Cincinnati OH

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.

FENG SHUI

IN COLOR & DESIGN

Feng Shui, which literally means wind and water, is an ancient Chinese practice rooted in the theory of Yin and Yang. It is the ancient Chinese practice of using energy forces to harmonize individuals with their surrounding environment by organizing furniture, art, plants, and other objects within any given space or room to create peace and harmony.

It has been used for centuries to determine building sites such as the Forbidden City in Beijing, which is built on a north-south axis with the main entrance facing south. It was believed to be the most propitious direction according to the feng shui masters. Additionally, the pyramid addition to the Louvre in Paris, Trump Tower in Manhattan, and the Sydney Opera House in Sydney have all been influenced by feng shui principles.

In interior design, feng shui is a tool to help design a room that makes you feel good and enhances health, prosperity, harmony and balance for a joyful life.

Chinese philosophy is all about opposites - masculine and feminine, dark and light, warm and cold. Additionally, there is a focus on the 5 elements which are wood, fire, earth, metal and water. These symbolize qualities such as stability, wisdom, growth and creativity. Decorating with the five elements is meant to bring joy and balance to your life.

According to Better Homes and Gardens, you can feng shui your home with a few simple tips:

Clear your home of clutter and open up the flow of traffic. This will create an atmosphere of calm by creating a welcoming entryway. Adding feng shui plants and positioning furniture in relation to the door will give a feeling of

control and empowerment, creating balance. And don’t forget to use feng shui with your color selections.

The bedroom is the most important room for applying the principles of feng shui since we all spend so much time there. It is important to have the bed face the door but not straight-on. It is preferable to have a wall behind the bed so that you are aware if anyone is entering your space. This is referred to as command position. Use soft and muted pastel colors or earthen tones that you’d find in nature. Plants are not recommended for the bedroom as they are active and produce energy which is not conducive to the calm environment required in the bedroom. However, they are desirable throughout the rest of the home. Some of the best plants include lucky bamboo, orchids, jade, snake or rubber plants.

Although there is no scientific basis for the use of feng shui in design, it is about making your environment a healthy and happy one for your family, so why not give it a try.

2024 PGA TOURNAMENT SCHEDULE

DATES TOURNAMENT

JUNE 3 - 9

JUNE 10 - 16

JUNE 17 - 23

JUNE 24 - 30

JULY 1 - 7

JULY 8 - 14

JULY 8 - 14

JULY 15 - 21

JULY 22 - 28

JUNE 29 - AUG 4

AUG 5 - 11

The Memorial Tournament presented by Workday + Muirfield Village Golf Club, Dublin, Ohio

U.S. Open #

AUG 12 - 18

AUG 19 - 25

AUG 26 - SEP 1

+ Signature Event

* Schedule subject to change

Pinehurst Resort & Country Club (Course No. 2), Village of Pinehurst, North Carolina

Travelers Championship + Highlands, Cromwell, Connecticut

Rocket Mortgage Classic Detroit Golf Club, Detroit, Michigan

John Deere Classic TPC Deere Run, Silvis, Illinois

Genesis Scottish Open ^ The Renaissance Club, North Berwick, Scotland

CBS, GOLF, ESPN+, SXM

NBC, USA NETWORK, PEACOCK

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

TBA Event TBA, TBA GOLF

Barracuda Championship Tahoe Mountain Club (Old Greenwood), Truckee, California GOLF

3M Open

TPC Twin Cities, Blaine, Minnesota

CBS, GOLF, ESPN+, SXM

Olympic Men’s Golf Competition # Le Golf National, Paris, France GOLF

Wyndham Championship Sedgefield Country Club, Greensboro, North Carolina

EDEX CUP PLAYOFFS

FedEx St. Jude Championship TPC Southwind, Memphis, Tennessee

BMW Championship Castle Pines Golf Club, Castle Rock, Colorado

TOUR Championship East Lake Golf Club, Atlanta, Georgia

# Not PGA TOUR Co-sponsored

^ Co-sanctioned with DP World Tour

CBS, GOLF, ESPN+, SXM

NBC, GOLF, ESPN+, SXM

NBC, GOLF, ESPN+, SXM

NBC, GOLF, ESPN+, SXM

2024 LPGA TOURNAMENT SCHEDULE

2024 LPGA TOURNAMENT

LOCAL EVENTS GUIDE CINCINNATI

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.

JUNE

JUNE 1 - 15

| CINCY FRINGE

A 14-day celebration of theater, art, music, film, dance, and everything between — it’s Cincinnati’s Summer Theatre Party! Heading into our 21st year, Cincy Fringe presents over 170 performances of 35+ theater productions, plus art galleries, screenings, concerts, workshops, classes, and nightly parties. For more info visit: cincyfringe.com

JUNE 13 - 16 | ITALIANFEST

Originating from a vision by Mayor Thomas Guidugli and Commissioner Jerry Peluso in 1991, this family-oriented event celebrates the region’s cultural heritage and community pride. Organized by dedicated volunteers, Italianfest has grown from modest beginnings to become one of the liveliest festivals in the area, expecting over 120,000 visitors this year. For more info visit: italianfestnewport.com

JULY

JULY 5 - 6 | PARADISE ON THE POINT

The array of craft beer selections will be brought to you by a selection of top local breweries which will be available for purchase to those of legal drinking age and during hours of operation. A variety of local food vendors will be firing up their grills and setting up shop for the weekend, so no need to pack a lunch! For more info visit: paradise-fest.com

JULY 12 - 14 | CELTIC FESTIVAL

The Guinness Cincinnati Celtic Festival takes place directly in front of the Great American Ballpark on Freedom Way. Join us to celebrate Celtic Heritage with family fun, great food, Celtic music and more For more info visit: cincycelticfest.com

LOCAL EVENTS GUIDE CINCINNATI

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.

AUGUST

AUG 1 - 31 | MUSIC AT THE

ESPLANADE

Experience the ultimate Saturday evening at Smale Park’s Music at the Esplanade concert series! Visit Smale Riverfront Park every Saturday this summer for a vibrant blend of live music, delectable food, refreshing drinks, captivating art and more. For more info visit: https://tinyurl.com/38rnkj2x

AUG 10 | WATER LANTERN FEST

The Water Lantern Festival is filled with fun, happiness, hope, and great memories that you’ll cherish for a lifetime. This is a family friendly event that can be shared by everyone. Friends, families, neighbors, and lots of people that you haven’t met can come together to create a peaceful, memorable experience. For more info visit: waterlanternfestival.com

AUG 15 - 18 | SEAFOOD FESTIVAL

Are you ready to “Party Like a Lob-star?” Don’t be “Shellfish” and

bring all your friends down to the Great Inland Seafood Festival! For more info visit: https://tinyurl.com/4e3krwss

SEPTEMBER

SEPT 1 - 30 | RENAISSANCE FEST

We welcome you to step away from the mundane and into a world of fantasy and history at this year’s Ohio Renaissance Festival. We feature over 100 shows daily. Hold your breath watching the dueling swordsmen, daring fire jugglers, or the joust. Enjoy dozens of savory offerings at the Ohio Renaissance Festival! Turkey legs, burgers, pulled pork and of course beer! For more info visit: renfestival.com

SEPT 19 - 22 | OKTOBERFEST

We’re thrilled to announce that the 2024 Oktoberfest will be held at Sawyer Point Park. The park location will help create a more European-style festival feel with plenty of space to spread out, relax and enjoy the scenery. It will

LOCAL EVENTS GUIDE CINCINNATI

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.

also include a 300-foot long beer tent that can accommodate up to 1,000 people and new experiences that will extend along the river front area. True to Oktoberfest Zinzinnati custom, this year’s event will feature the annual running of the weiners, stein-hoisting competition and the traditional fest kick off tapping of the keg. For more info visit: oktoberfestzinzinnati.com

OCTOBER

OCT 25 | BREW BASH

This Halloween season, have a haunting good time while enjoying craft beers during the HallowEve Brew Bash at Ault Park! Each ticket includes 10 five-ounce tastings from some of Cincinnati’s top microbreweries. While sampling craft beers, dance to ‘70s hits — including Halloween tunes — from the band Gee Your Band Smells Terrific. For more info visit: https://tinyurl.com/mr2xp4py

NOVEMBER

NOV 23 | THE O.F.F. MARKET

The vast and diverse, Summit Park, serves as home to The Off Market and offers a plethora of amenities that the whole family can enjoy. Here you’ll find multiple playgrounds, walking trails, splash and nature scapes, fishing ponds, bars and restaurants, as well as plenty of free parking and a centralized location to boot. We can’t wait for you to spend a day with us. For more info visit: theoffmarket.org

DECEMBER

DEC 1 | ARTISANFEST

Explore the diverse offerings of ArtisanFest513’s Small Business Flea at Washington Park, where local artisans proudly display their handcrafted creations. From exquisite handmade jewelry to tantalizing homemade treats, you’ll discover one-of-a-kind treasures at every turn. Whether you’re an art enthusiast, a food lover or simply eager to support local talent, this event is a must-visit.

LOCAL EVENTS GUIDE

CINCINNATI

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.

For more info visit: https://tinyurl.com/7tmxwe65

DEC 1 - 31 | FESTIVAL OF LIGHTS

The Cincinnati Zoo is shining bright for the annual PNC Festival of Lights! Come early to see more animals and stay for the lights! In addition to admiring the beauty of 4 million LED lights, visitors can find the 5 Fiona fairies in Fairyland, take in a blacklight puppet show, marvel at the spectacular Wild Lights show on Swan Lake, or snack at one of our S’mores-nMore stands. For more info visit: https://tinyurl.com/49b3cvns

JANUARY

JAN TBA | CHILI FEST

The hottest event in town is back! It’s our hottest tasting event of the year! No matter how chilly it is outside, you’ll be warm from the inside out as you eat your way through the Market, sampling spicy dishes from Merchants left and right.For more info visit: https://tinyurl.com/2v84t4ww

JAN 7 - 19 | LES MISÉRABLES

Set against the backdrop of 19th century France, LES MISÉRABLES tells an enthralling story of broken dreams and unrequited love, passion, sacrifice, and redemption – a timeless testament to the survival of the human spirit. This epic and uplifting story has become one of the most celebrated musicals in theatrical history. For more info visit: https://tinyurl.com/458w6ssd

FEBRUARY

FEB TBA | BEER FEST

Come enjoy Cincinnati’s largest craft beer celebration. Sample more than 150 local and craft brews, as well as new craft wineries and distilleries! For more info visit: cincybeerfest.com

LOCAL EVENTS GUIDE CINCINNATI

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 TBA | WINE FEST

Admission ticket to the Grand Tasting includes wine sampling, a keepsake Riedel wine glass, food samplings, and access to wine industry representatives and experts from around the globe. For more info visit: winefestival.com

APRIL

APRIL TBA | FOOD FEST

Back again, this 2-day food extravaganza celebrating Asian culture and cuisine attracts nearly 100,000 attendees and is one of the Cincinnati region’s fastest growing and most culturally diverse events. Find the details you need to enjoy the Asian Food Fest experience!For more info visit: asianfoodfest.org

MAY

MAY 10 - 11 | APPALACHIAN FEST

Step back in time as you wander through the mountain village, where you can experience what life was like in the Appalachian Mountains. As you stroll along the Ohio River the walkways will be lined with artisan shops, mouthwatering food, and Pickin’ Porches. Share in the powerful rhythm and deep resonance of the drum as our Native American dancers share their culture and music with us. For more info visit: appalachianfestival.org

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

2024 GRAND SLAM TOURNAMENT SCHEDULE

JULY 1 - MON 11:00 AM Men's & Ladies' 1nd Round

JULY 2 - TUE 11:00 AM Men's & Ladies' 1nd Round

JULY 3 - WED 11:00 AM Men's & Ladies' 2nd Round

JULY 4 - THUR 11:00 AM Men's & Ladies' 2nd Round

JULY 5 - FRI 11:00 AM Men's & Ladies' 3rd Round

JULY 6 - SAT 11:00 AM Men's & Ladies' 3rd Round

JULY 7 - SUN 11:00 AM Men's & Ladies' 4th Round

JULY 8 - MON 11:00 AM Men's & Ladies' 4th Round

JULY 9 - TUE 11:00 AM

JULY 1- WED 11:00 AM

JULY 11 - 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 12 - FRI 1:00 PM Men's Singles Semifinals

JULY 13 - SAT 2:00 PM

JULY 14 - SUN 2:00 PM

Ladies' Singles Final & Men's Doubles Final

Men's Singles Final & Ladies’ Doubles Final * Schedule subject to change

2024 GRAND SLAM TOURNAMENT SCHEDULE

BANANA DATE NUT BREAD

• 3 ripe bananas mashed

• 2 eggs

• 1 stick butter

• 1 cup unbleached flour

• 1 cup whole wheat flour

• 1/2 cup shelled walnuts chopped

• 3/4 cup Medjool dates chopped and pitted blitzed with 1/4 cup water in a blender ( or 3/4 cup of sugar without water)

• 1 tsp baking soda

• 1/2 tsp salt

• 1 tsp vanilla extract

• Preheat the oven to 350 degrees

• Grease a 9x5x3 bread pan

• Cream butter and date mixture

• Add eggs one at a time, beating well

• Sift flour, baking soda, and salt and add to creamed mixture

• Fold in mashed bananas, vanilla and walnuts

• Pour mixture into the bread pan

• Bake for 50-60 minutes or until the toothpick comes out clean

• Cool for 10 minutes and then put on a rack

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APPLIANCE REPAIR & MAINTENANCE

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BOAT TOURS

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BUSINESS VALUATIONS

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CONSTRUCTION COMPANY

Bossed Drywall Inc Back Inside Cover

CONTRATOR

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DRYWALL CONTRACTOR

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EVENT VENUE

The Prickel Barn ................ Front Cover, Back Cover

FINANCIAL MANAGEMENT

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MERGERS & ACQUISITIONS

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SLEEP APNEA TREATMENT

Sleep Apnea Solutions of Cincinnati ..................5

WEDDING VENUE

The Prickel Barn Front Cover, Back Cover