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FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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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

SEPT 26 - 29

OCT 3 - 6

OCT 10 - 13

OCT 17 - 20

OCT 24 - 27

NOV 7 - 10

NOV 14 - 17

NOV 21 - 24

DEC 5 - 8

DEC 12 - 15

DEC 12 - 15

Presidents Cup

* Schedule subject to change

The Royal Montreal GC • Montreal, Quebec • CAN NBC, GOLF, PEACOCK, SXM

Sanderson Farms Championship

The Country Club of Jackson • Jackson, MS • USA GOLF, SXM

Black Desert Championship

Black Desert Resort Golf Course • Ivins, UT • USA

Shriners Children’s Open

GOLF, SXM

TPC Summerlin • Las Vegas, NV • USA GOLF, SXM

ZOZO CHAMPIONSHIP

ACCORDIA GOLF • Chiba • JPN

World Wide Technology Championship

El Cardonal at Diamante • Los Cabos • MEX GOLF, SXM

Butterfield Bermuda Championship

Port Royal Golf Course • Southampton • BER GOLF, SXM

The RSM Classic

Sea Island Golf Club • St. Simons Island, GA • USA GOLF, SXM

Hero World Challenge

Albany GC • Albany • BAH NBC, GOLF

Grant Thornton Invitational

Tiburón Golf Club • Naples, FL • USA NBC, GOLF

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

2024 LPGA TOURNAMENT

LOCAL EVENTS GUIDE UTAH

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.

SEPTEMBER

SEPT 24 - 29 | FILM FESTIVAL

Red Rock Film Festival offers a serene environment for incredible film.The festival accepts entries of all genres from shorts to fulllength features, and is held in Southern Utah in Cedar City by the majestic red mountains of Zion Canyon and Cedar Breaks. To encourage the independent spirit, Red Rock strives to find a home for all films that qualify for competition. This gives the filmmaker a chance to give their work exposure even if they may not make the festival finals. For more info visit: redrockfilmfestival.com

OCTOBER

OCT

1 - 13 | OKTOBERFEST

The annual festival includes a biergarten offering an array of traditional German-style beers and those made by local Utah breweries, including Shades Brewing, Moab Brewery, Bohemian, Uinta and Squatters. For other libation options, visit the outdoor bar at

The Forklift. Oktoberfest food choices include select German favorites such as bratwurst, weisswurst, sauerkraut, apple strudel, spaetzle, beef rouladen, pretzels and Bavarian roasted almonds. Beer and food are purchased à la carte. For more info visit: https://tinyurl.com/5925p7e7

OCT 3 - 5 | WINE FEST

Explore all that the Park City Wine Festival presented by Canyons Village Management Association has to offer. Sip wines from the West Coast to France with 100+ wineries featured at the Grand Tastings. Immerse yourself in the world of wine during expertly paired dinners and lunches throughout the weekend. The adventure continues with paired wine hikes and lifestyle events. Elevate your wine knowledge during classroom-style seminars hosted by winemakers and sommeliers. For more info visit: parkcitywinefest.com

LOCAL EVENTS GUIDE UTAH

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 1

- 3 | FOLK FEST

Our mission is to promote community building through music appreciation, education, and environmental stewardship. Based in the small, rural community of Moab, Utah, Friends strives to bring diverse Folk Music talents and educational opportunities from around the country to the area for the entertainment and enjoyment of the local community and visitors. We encourage environmental stewardship by engaging in and advocating for sustainable and low-impact practices in all of our activities. For more info visit: moabfolkfestival.com

NOV 8 - 9 | ILLUMINATE

ILLUMINATE is a free celebration of innovation and imagination for the community, art lovers, and families. Artists working with technology and using light as their medium will use Downtown Salt Lake CIty’s Library Square as a canvas to create projection-mapped artwork, 3D Sculp-

tures and exhibits inspired by the theme Mother Nature in Light. For more info visit: illuminatesaltlake.org

DECEMBER

Dec 1 - 31 | TITLEHERE

While the animals slumber, immerse yourself in a wonderland of brilliant light displays featuring animal and holiday scenes throughout the zoo. Explore a holiday walk-through event filled with your favorite animals in a nature-focused lighting experience. ZooLights only runs throughout December so bring your family, friends, and your special someone for a magical night out. For more info visit: hoglezoo.org

DEC 4 - 7 | FESTIVAL OF TREES

A magical holiday tradition celebrating children’s health in our Utah community, the 2024 Festival of Trees will take place December 4 through December 7 at the Mountain America Exposition Center. Incredible community

LOCAL EVENTS GUIDE UTAH

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.

volunteers create and donate the most beautiful holiday decorations including extravagant trees, stunning wreaths, hand-crafted gingerbread houses, and much more to be bid on in a silent auction. For more info visit: festivaloftreesutah.org

JANUARY

JAN 23 - 30 | SUNDANCE

The Sundance Institute’s artist programs provide dynamic support at every step of the creative journey for individuals with distinct voices in film and episodic storytelling. For more info visit: sundance.org

JAN 25 | BIGFOOT SNOWSHOE FESTIVAL

Go ahead ... you can do it ... yea that’s right ... sign up for the only ultra 50K Snowshoe race in the country!!! Or if that sounds like a bit much there is a distance for everybody in the whole family from a marathon on down to a 25K a 10K and a 5K! If you love to

run then you will love to do this. For more info visit: https://tinyurl. com/2wsd3aw5

FEBRUARY

FEB 21 | FILM FESTIVAL

Every year, the Banff Mountain Film Festival showcases the best outdoor films from around the world. Come experience the beauty and awe of the outdoors through exotic locations and adrenaline-inducing adventure! For more info visit: https://tinyurl.com/4xnmmvnn

MARCH

MARCH 1 | DAISY BOUTIQUE

Shop from over 65 local vendors offering everything from handcrafted items, jewelry, clothes, home décor, to delicious treats & more! As always there will be huge giveaways! It’s easy to enter the giveaway, just come to the boutique and stop by the entry table. For more info visit: https://tinyurl.com/mr3nmu7t

LOCAL EVENTS GUIDE UTAH

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.

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APRIL

APRIL 3 - 5 | WINE FESTIVAL

Explore all that the Park City Wine Festival has to offer. Sip wines from the West Coast to France with 100+ wineries featured at the Grand Tastings. Immerse yourself in the world of wine during expertly paired dinners and lunches throughout the weekend. The adventure continues with paired wine hikes and lifestyle events. Elevate your wine knowledge during classroom-style seminars hosted by winemakers and sommeliers. For more info visit: parkcitywinefest.com

APRIL 4 - 6 | GREEN RIVER ROCKS

Join us for a weekend of free field trips with Utah’s finest geologists, paleontologists, and archaeological conservationists. Meet the organizations that preserve and protect our public lands while discovering a bounty of rocks and minerals from vendors at our popup market outside the John Wesley Powell River History Museum.

For more info visit: greenriverrocks.com

APRIL 18 - 19 | ART FEST

The St. George Art Festival prides itself on being a world-class family-friendly event. In the City of St. George you can find live music, theater, dance performances, art shows, and countless museums. At the Art Festival these arts areas come together for a truly unforgettable weekend. For more info visit: sgartfestival.com

MAY MAY TBA | MURAL FEST

Artists from all over Utah and from across the country have brought an exciting vibe to the streets and alleyways of South Salt Lake’s Creative Zone. For more info visit: themuralfest.com

MAY 1 - 18 | TULIP FESTIVAL

Over 750,000 spring flowers, including tulips, daffodils, hyacinths, poppies, and more create the

LOCAL EVENTS GUIDE UTAH

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.

award-winning Tulip Festival – an unforgettable display of color and design through the 50-acre Ashton Gardens. You won’t want to miss Utah’s favorite flower festival, only at Thanksgiving Point. For more info visit: https://tinyurl.com/yc42b6ku

JUNE

JUNE TBA | ASIAN FESTIVAL

This year’s festival will honor our communities through traditional and modern performances, children’s activities, and spotlights on cultural, nonprofit, and commercial organizations. As always, food trucks and food booths featuring local businesses will be on site serving delicious food and refreshments. For more info visit: utahasianfestival.org

JULY

JULY 4 | INDEPENDENCE DAY

July 4th celebrations in Utah are planned to be bigger and better than ever. For more info visit: https://tinyurl.com/433pwdv7

AUGUST

AUG TBA | HOT AIR BALLOON FESTIVAL

You don’t want to miss this epic event! Join us for a weekend-long festival. Look to the skies for dozens of colorful hot-air balloons. From music to balloons, craft fairs to craft beers, this event has something for the whole family. Take a stroll down Main Street to see the hand-painted windows. Look out for sidewalk sales from local shops and look down for epic sidewalk chalk art. For more info visit: dinahdays.com

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

- 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

2025 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

DATE PLAY START SESSION

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

Ladies' Singles Final & Men's Doubles Final

JULY 13 - SUN 2:00 PM Men's Singles Final & Ladies’ Doubles Final

2025 GRAND SLAM TOURNAMENT SCHEDULE

HEALTH & FOOD

Eating healthy and having a holistic approach to wellness focuses on mind, body and soul. Foods that enhance energy, heart health, improve sleep and increase muscle strength are growing in popularity. High protein, low calorie, and low carbohydrate meals are the way to go. The movement towards plant-based items for health and environmental reasons is here to stay.

Sugar intake is a concern for many.

A popular sugar alternative is dates which are very sweet and have been used for thousands of years. They are high in nutrients, antioxidants and fiber. Some say they are good for brain health as well as digestion. Eaten whole or used in baked treats, they provide all the sweetness needed.

To lose weight or simply to eat a little bit healthier, there are several different approaches you can take.

The Whole Food Diet is probably the most recommended diet. It is about avoiding or limiting processed foods, preservatives or artificial ingredients while sticking to lots of fresh fruits and vegetables, whole grains, nuts, beans, fish, shellfish and eggs. Limiting meat is a part of this diet as well. Not only is this diet healthy for you, but it is healthy for the planet as processed foods require more resources such as water and energy, thus creating more pollution.

The PALEO Diet is based on foods eaten in the Paleolithic period of hunter gatherer societies thousands of years ago, before farming.

The KETO Diet is a low carbohydrate, high fat diet that helps burn fat for energy rather than carbs, thus triggering weight loss. According to Healthline, the foods to eat on this diet are: meat, fatty fish,eggs, butter and cream, cheese, nuts and seeds, olive or avocado oil, avocados, and low carb vegetables and condiments.

The Vegetarian Diet is made up of plant-based foods which include fruits and vegetables, grains, legumes and nuts. No meat or dairy products including eggs and other milk products are consumed. There is a trend to eat more fruits and vegetables and new products are continually coming to the market. Non-dairy milk alternatives like oat, soy and almond are popular replacements for milk. New plantbased pasta alternatives like chickpea or zucchini pasta help us eat more vegetables and additional options are continually being introduced.

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

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

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.

BERNINA EXPRESS

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.

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