WHAT ARE ANNUITIES?
An annuity is an investment vehicle that can provide a guaranteed income for an individual or their spouse. It is a contract with an insurance company or financial institution where you contribute money upfront and at a specific time receive payments back over the course of your lifetime. There are several advantages to investing in an annuity. First, it is tax deferred which means no taxes until you begin taking the income. Second, you can choose a fixed rate annuity where you will always receive the
same amount regardless of market conditions. Third, you will receive payment even if you receive more than your original investment. Fourth, there are annuities with death benefits for heirs.
There are many different types of annuities, all of which have different features, benefits and costs but they fall into three main categories: fixed, fixed index and variable. There are two types of payout options- deferred and immediate.
FIXED ANNUITY
A fixed annuity is based on a set interest rate and can increase in value over time. It guarantees income payments over your lifetime with the possibility of death benefits for heirs. There are two ways to purchase - either through a lump sum payment or a series of payments that increase the value of your annuity and therefore the total payout.
VARIABLE ANNUITY
A variable annuity’s value will depend on market conditions and will rise and fall with the stock market. This means the possibility of a higher interest rate when the market is strong but in a weak market, the annuity could even lose value.
INDEXED ANNUITY
An indexed annuity is based on the performance of a particular market index and the value of the annuity will be based on that particular index. Interest will be based on the index’s interest rate.
WHY BUY AN ANNUITY?
It is a good opportunity to be sure you have the resources to cover your essential monthly expenses such as mortgage or rent, insurance, utilities , travel, etc. The best thing about an annuity is that it does not run out no matter your age or the value of the investment. Start by analyzing your monthly expenses to figure out how much
income you need to cover basic bills. Don’t forget to consider and plan for inflation. When considering an annuity, the most important thing is to be sure to understand what you are investing in. They are complicated investments. Work with a trusted financial adviser to ensure your understanding of the risks and potential returns.
2024 PGA TOURNAMENT SCHEDULE
DATES TOURNAMENT
NOV 7 - 10
NOV 14 - 17
NOV 21 - 24
DEC 5 - 8
DEC 12 - 15
DEC 12 - 15
World Wide Technology Championship
El Cardonal at Diamante • Los Cabos • MEX
Butterfield Bermuda Championship
Port Royal Golf Course • Southampton • BER
The RSM Classic
* Schedule subject to change
GOLF, SXM
GOLF, SXM
Sea Island Golf Club • St. Simons Island, GA • USA GOLF, SXM
Hero World Challenge
Albany GC • Albany • BAH
Grant Thornton Invitational
Tiburón Golf Club • Naples, FL • USA
PGA TOUR Q-School presented by Korn Ferry
Dye’s Valley Course •
Ponte Vedra Beach, FL • USA
+ Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
NBC, GOLF
NBC, GOLF
2024 LPGA TOURNAMENT
LOCAL EVENTS GUIDE TREASURE COAST
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
NOVEMBER
NOV 9 - 10 |
ART FESTIVAL
Artists will be jury-selected to exhibit in this outdoor fine art show. It’s one of the top shows in the area, drawing outstanding master artists from throughout the United States and beyond. So come and enjoy all the beautiful sights, maybe you’ll even bring some art home with you! For more info visit: spacecoastartfestival.com
NOV 16 - 17 | SEAFOOD FESTIVAL
The festival is a seafood enthusiast’s dream come true featuring a wide variety of seafood. Rounding out this family-oriented event, nautical vendors will offer unique merchandise and services, artists and craftsmen will display and sell their original works, live music will entertain on stage all three days, kids will enjoy rides and a kid’s zone just for them, and local businesses and nonprofit organizations will provide information on services available. For more info visit: treasurecoastseafoodfest.com
DECEMBER
Dec 1 - 29 |
GARDEN
of LIGHTS
Garden of Lights visitors will enjoy enchanted gardens that feature favorite light displays from last year, as well as new additions to dazzle audiences. This year an amazing light waterfall will grace the main lawn. In addition, our secret garden will be open for the public our newest feature at Heathcote. Make sure you come prepared to grab your photo in the Secret Garden. For more info visit: https://tinyurl.com/28ft9j4a
DEC 1 - 31 | FESTIVAL OF LIGHTS
A seasonal favorite, a new tradition, spreading Joy to the World! Enjoy a drive-thru Holiday Lights experience complete with Santa’s Village. For more info visit: https://tinyurl.com/yda5ff99
JANUARY
SEPT 18 - 19 |
HOME SHOW
At the Port St. Lucie Home Show find everything for your home improvement projects. View and
LOCAL EVENTS GUIDE TREASURE COAST
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
interact with the industry’s hottest home and garden products. Here you will find professional exhibitors with fabulous ideas for your home. Most importantly you will also have the opportunity to speak directly with experts and receive advice and inspiration.
For more info visit: portstluciehomeshow.com
JAN 25 - 26 | SEAFOOD FESTIVAL
A two-day outdoor pet-friendly festival with great seafood, arts & crafts vendors, exhibitors & tasty cocktails. Enjoy a delicious variety of seafood and tropical drinks while you browse an amazing collection of arts & craft and nautical vendors, exhibitors and artists. Come for a Seafood Adventure!
For more info visit: portsaintlucieseafoodfestival.com
FEBRUARY
FEB
15
- 16 | PIRATE FEST
Treasure Coast Pirate Fest will feature pirate themed attractions such as a living history pirate en-
campment, pirate ships, costume contests, treasure hunts, live mermaids, pirate weapon demonstrations, historical reenactors, artists and live performances by some of the best pirate bands. Shop a large assortment of pirate and nautical themed arts & crafts vendors, enjoy some great food and drink and listen to live music as you spend your day in a family friendly setting amongst pirates, wenches and mermaids!
For more info visit: treasurecoastpiratefest.com
Feb 15 - 16 | BLUES FESTIVAL
Come enjoy an unique 2 day music festival experience combining the love of Blues & Blues Rock music talent on stage along with delicious foods, beer & full liquor bars and an amazing weekend to remember with friends and family. 10 bands on the blues stage with professional sound and lighting. For more info visit: verobluesfest.com
LOCAL EVENTS GUIDE TREASURE COAST
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
MARCH
MARCH 1 - 9 | COUNTY FAIR
Saint Lucie County Fair promotes agriculture, horticulture, industrial, creative arts and crafts and sciences and educational opportunities while providing quality entertainment for the people of the Treasure Coast. Come on by for some fair food! For more info visit: stluciecountyfair.org
MARCH 2 | MARATHON
The Marathon of the Treasure Coast is a USATF certified Boston-Qualifying Marathon (FL21049JK) designed to offer race opportunities for all levels of runners and activities for onlookers. Our mission is to make sure all runners, walkers, and relay teams will find a race and course they will enjoy. You can also earn your medal from anywhere in the world with the Virtual Race. For more info visit: treasurecoastmarathon.com
APRIL
APRIL 5 | CRAFT SPIRITS FEST
Sample the finest Florida craft distilled spirits and purchase bottles of your favorites to take home! Engage with passionate Florida craft distillers as they delve into the artistry and dedication behind each bottle expanding both your palate and knowledge! For more info visit: treasurecoastspiritsfestival.com
APRIL 10 - 13 | FILM FEST
Welcome back for another weekend of Films, Food, and Fine Wines as the Vero Beach Film Festival celebrates our eighth Festival on April 10 – 13, 2025, pairing independent filmmakers and audiences seeking new voices and fresh perspectives. Meet the artists behind the screen, enjoy a vintner dinner, and explore Vero Beach, our hidden gem, “Where The Tropics Begin,” along Florida’s eastern coast. For more info visit: vbfilmfest.org
LOCAL EVENTS GUIDE TREASURE COAST
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
APRIL 27 | CARS & COFFEE
We have been passionate about providing an automotive lifestyle and entertainment brand that is focused on the pursuit of speed, sound, and style. Our motor-driven collection varies from classic to exotic and we are so thankful we can bring our community together through this unique experience. For more info visit: treasurecoastcarsandcoffee.com
MAY
MAY TBA | AIR SHOW
The Blue Angels are returning to Vero Beach! The elite US Navy Flight Demonstration Squadron will perform at the Vero Beach Air Show for a spectacular event that all will enjoy. For more info visit: veroairshow.com
JUNE
JUNE 14 | WATERLILY FESTIVAL
Featuring plant sales, repotting demonstrations, plein air artists, and waterlily photo contest. For more info visit: mckeegarden.org
JUNE 28 | BURGERFEST
Live performances will entertain the crowd all day along with vendors, a kids zone, breweries, car show, food trucks and delicious burgers. One of the highlights at Burgers & Brews is the “Best Burger in Indian River County Competition”. Have a chance to vote for your favorite burger! For more info visit: burgersandbrews.org
JULY
JULY TBA | CHRISTMAS IN JULY
At Christmas in July Port St. Lucie, you’ll find vendors from all over the state with a large variety of products to choose from including fine art, jewelry, handcrafted items, clothing, baked goods, chocolates, unique gifts, soap, candles, Christmas décor, and so much more. There will also be Food and Beverage vendors onsite along with Plenty of Tasty Treats. For more info visit: christmasinjulypsl.com
LOCAL EVENTS GUIDE TREASURE COAST
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
(. . .continued from 16)
JULY 4 | INDEPENDENCE DAY
Enjoy a day of fun at Commons Park with the Village of Royal Palm Beach with our Star Spangled Spectacular! The festivities begin at 4pm and run to 10pm and will feature some exciting activities which include a Free Kids’ Fun Zone, Arts & Craft and merchandise vendors, and a nice selection of food vendors that will surely satisfy your appetite. Let’s celebrate America’s birthday the right way! For more info visit: https://bit.ly/35UQmI4
AUGUST
AUG 16 | WING FEST
Who serves up the best wings in Florida!? Attendees will stop by each booth to sample what each Competitor is servin’ up... And then continue to enjoy unlimited wing samplings, alcohol, Game Area, and live music all night long! For more info visit: https://tinyurl.com/yx9am9fw
2025 GRAND SLAM TOURNAMENT SCHEDULE
2025 GRAND SLAM TOURNAMENT
SCHEDULE
* Schedule subject to change
MAY 25 - SUN 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 26 - MON 12:00 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 26 - MON 8:15 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 27 - TUE 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 27 - TUE 8:15 PM 1st Round Ladies’ & Gentlemen’s Single MAY 28 - WED 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 28 - WED 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 29 - THU 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single
MAY 29 - THU 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - SAT 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - SAT 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single
JUN 01 - SUN 11:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 01 - SUN 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 02 - MON 11:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 02 - MON 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 03 - TUE 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 03 - TUE 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 04 - WED 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 04 - WED 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 05 - THU 3:00 PM 1/2 Finals Singles Ladies’
JUN 06 - FRI 2:30 PM 1/2 Final Gentlemen’s Single
JUN 06 - FRI 5:30 PM 1/2 Final Gentlemen’s Single
JUN 07 - SAT 3:00 PM Final Women’s Single
JUN 08 - SUN 3:00 PM Final Gentlemen’s Single
DATE
2025 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
JUNE 30 - MON 11:00 AM Men's & Ladies' 1nd Round
JULY 1 - TUE 11:00 AM Men's & Ladies' 1nd Round
JULY 2 - WED 11:00 AM Men's & Ladies' 2nd Round
JULY 3 - THUR 11:00 AM Men's & Ladies' 2nd Round
JULY 4 - FRI 11:00 AM Men's & Ladies' 3rd Round
JULY 5 - SAT 11:00 AM Men's & Ladies' 3rd Round
JULY 6 - SUN 11:00 AM Men's & Ladies' 4th Round
JULY 7 - MON 11:00 AM Men's & Ladies' 4th Round
JULY 8 - TUE 11:00 AM
JULY 9- WED 11:00 AM
JULY 10 - THU 1:00 PM
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Ladies' Singles Semifinals & Mixed Doubles Final
JULY 11 - FRI 1:00 PM Men's Singles Semifinals
JULY 12 - SAT 2:00 PM
JULY 13 - SUN 2:00 PM
Ladies' Singles Final & Men's Doubles Final
Men's Singles Final & Ladies’ Doubles Final
2025 GRAND SLAM TOURNAMENT SCHEDULE
TRAIN EXPERIENCES Wonderful
If you haven’t traveled by train, you might like to try it. There are so many fantastic train trips available across the world. They offer opportunities not available any other way. There’s never the hassle of driving and missing the beautiful and scenic countryside. They are eco-friendly,
comfortable, relaxing and also offer refreshments. Trains start and end their journeys in cities and will transport you through diverse and incredible landscapes.
Here are a few amazing train trip options:
JACOBITE TRAIN BERNINA EXPRESS
If you are traveling in Scotland, be sure to check out the Jacobite. This journey is often described as the greatest rail journey in the world. It takes you 84 miles in total from Fort Williams in the highlands of Scotland to the most westerly stop in Arisaig. It passes by lakes and rivers including Lake Nevis, the deepest in Europe and through charming villages. There is a stop in Glenfinnan which was made famous as the site of the Harry Potter films. Then it is on to Mallaig which was founded in 1840 and is now a busy fishing port. It is a great spot for a walk or some shopping and dining. Try the fish and chips! Then take the return trip or consider taking the ferry to Skye and the Small Isles.
In Switzerland, be sure to check out the Bernina Express which is a 90 mile journey from Tirano in northern Italy to Chur in southeastern Switzerland. Highlights include unparalleled panoramic views of the steep peaks of the Swiss Alps, charming villages and shimmering lakes. With 55 tunnels through the mountains and numerous bridges and viaducts, the vistas are stunning. Chur is the oldest city in Switzerland and the old town is actually car-free. The train has earned UNESCO World Heritage Designation due to its architectural features and long history.
SKAGWAY RAILROAD RAILROAD MUSEUM
In Alaska, don’t miss the Bennett Lake Scenic Journey. A trip through history that began with the gold rush of 1898 when men sought routes to the Klondike and the White Pass. It began in Skagway and continued to British Columbia and the Yukon Territory. The train climbs from sea level to 3,00ft - a true marvel of engineering. Travel in a vintage train from Skagway to Carcass in the Yukon Territory. See snow capped peaks, forests, sparkling lakes, and amazing waterfalls. Visit Bennett Station and the White Pass Museum. You can do a walk through an old gold rush town. Then ride through remote sections of the lake that are otherwise only available by hiking the Chilkoot Trail.
In Parrish, Florida, visit the Museum and see the historic trains of the old South. Or take the 6-mile ride on an early 1900s train from Parrish to Willow to see a rail collection and exhibition. Also they host special train events including a train robbery experience.
ACUPUNCTURE
Phillip Kostantas- Wells Fargo Bank 5
Pfeffers Custom Aluminum Products Inc 5
