Puget Sound WA 3

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 PUGET SOUND

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 8

- 16 | DANCE FEST

In 2024, SIDF resumes its mission at full steam delighting audiences by reaching across the globe and throughout the Pacific Northwest to present contemporary dance artists who bring creativity and vitality to our community. In this rare coupling of local and global contemporary dance, Seattle residents are invited to experience the festival’s creative hotbed of world-defining dance-making. For more info visit: seattleidf.org

JULY

JULY 4 | INDEPENDENCE DAY

Every year, the Seattle area offers plenty of activities during July 4th weekend, including parties, exhibitions, parades, shows, and, of course there, is no shortage of fireworks! Whatever neighborhood you are in, you will find something to do, and the firework displays will illuminate the darkest night. For more info visit: https://tinyurl.com/4jkzbdru

JULY 13 | POLISH BAZAAR

Eat pierogi, sausage, cabbage rolls, and desserts served by waiters in Polish folk costumes downstairs, and then browse Polish crafts for sale upstairs at the Spring Polish Bazaar at the Polish Cultural Center! For more info visit: polishhome.org

JULY 19 - 21 | BITE OF SEATTLE

The festival kicks off today at noon on Friday with Live Music venues from talented Northwest musicians scheduled throughout the festival. Enjoy food from over 60 restaurant booths, live cooking demonstrations and 5 live music stages! For more info visit: https://tinyurl.com/f5tedwbe

AUGUST

AUG 2 - 4 | SUMMER FESTIVAL

Magnolia Summerfest is a 3-day festival that focuses on volunteerism, fun family activities and giving back to local needs. The festival includes a parade, live music, food vendors, a beer & wine

LOCAL EVENTS GUIDE PUGET SOUND

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.

garden, and an art fair! For more info visit: magnoliasummerfest.org

AUG 22 - 31 | STATE FAIR

The Evergreen State Fair is a 12day fair which is held each year from late August through Labor Day. It is the largest county fair in the Pacific Northwest region of the United States. So come grab some great fair food and enjoy some rides! For more info visit: evergreenfair.org

SEPTEMBER

SEP 1 - 2 | BLACKBERRY FEST

Walk aboard a ferry to the free Bremerton Blackberry Festival. Hear music on two entertainment stages, visit the beer & wine garden, and shop the waterfront for art, jewelry, fair food, and blackberry pie. For more info visit: blackberryfestival.org

SEPT 20 - 22 | MELTDOWN FEST

Beautiful Darrington, Washington welcomes this annual convergence of great music, glorious views, delicious eats, film screenings, trippy light shows, a fashion show, and a multitude of activities for the little ones. Ample camping space is also available, so make this a weekend jaunt. For more info visit: summermeltdown.com

SEPT 28 - 29 | ITALIAN FESTIVAL

Since 1988, we have been celebrating the cultural roots of Italians and Italian-Americans in the Pacific Northwest by promoting the arts, the food and the culture that are uniquely Italian.For more info visit: festaseattle.com

OCTOBER

OCT 6 | CROATIAFEST

CroatiaFest is able to present Croatian culture, history, cuisine, music, original traditional costumes and dance to the thousands of festival attendees! For more info visit: https://tinyurl.com/y72ku3r4

LOCAL EVENTS GUIDE

PUGET SOUND

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.

OCT 12 - 13 | WATER LANTERN FESTIVAL

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

NOVEMBER

NOV 10 | SLACK KEY FESTIVAL

The Seattle Slack Key Festival features the mainland’s largest lineups of Hawaiian Master Musicians. For more info visit: slackkeyfest.com

DECEMBER

DEC 1 - 31 | WINTERFEST

Wander the winding alleys of Seattle’s newest – and largest –outdoor holiday Market! Hop on the Christmas Carousel, delight in live music and festive light dis-

plays, and find the perfect artisan gift before warming up with Bratwurst, Pretzels, and Glühwein in the heated Alpen Haus! For more info visit: https://tinyurl.com/839y72f7

DEC 22 | SLEIGH THAT 5K

The best of both worlds - a pre-turkey run and a ugly sweater run! Grab your friends & family and join us for a fun 5k to start the holiday season! For more info visit: https://tinyurl.com/4acrvr3j

JANUARY

JAN 1 | POLAR BEAR PLUNGE

Jump into the new year with both feet! Every January 1st at 12 noon, hundreds of people line up along the beach for the first dunk in the lake of the new year. We provide lifeguards at this free event, so come earn your courage badge. For more info visit: https://tinyurl.com/3f76uhth

LOCAL EVENTS GUIDE PUGET SOUND

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.

FEBRUARY

FEB 20 - 23 | WINTERGRASS FESTIVAL

We’re exploring the world of Torch and Twang - featuring great singers and players exuding the soul of Bluegrass, the Blues and a special focus on the rich heritage of Cajun/Louisiana music. The festival will feature 5 stages, dances, jamming and new this year, tickets to single shows. For more info visit: wintergrass.com

MARCH

MARCH TBA | IRISH FESTIVAL

Immerse yourself and celebrate the Irish heritage of the Pacific Northwest with traditional music, step-dancing, art exhibits, genealogy workshops and Celtic handcrafts at Irish Festival Seattle. For more info visit: irishclub.org

APRIL

APRIL TBA | JAPANESE CULTURAL FESTIVAL

The Seattle Cherry Blossom & Japanese Cultural Festival deepens

the understanding and serves as a vehicle for sharing Japanese and Japanese American culture and heritage through hundreds of performing and martial arts, exhibits and demonstrations, hands-on children’s activities, culinary treats, and more. For more info visit: cherryblossomfest.org

MAY

MAY 1 - 3 | BACON & BEER FEST

The Bacon and Beer Classic pairs two foodie favorites: Northwest micro brews, and the irresistible bacon. The Bacon and Beer event, brings together over fifty restaurants and breweries each, with their own unique beer and bacon-inspired gourmet dishes for thousands of brew and bacon fans to devour. For more info visit: https://tinyurl.com/eup5zud6

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

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.

COUNSELING

Angels Psychiatry Back Cover

FINANCIAL ADVISOR

Doug Esterly - Edward Jones ...............................5

FURNITURE STORE

Terris Draheim Outdoor.............Back Inside Cover

HOME CARE

Peninsula Homecare Cooperative Front Cover, 7 HOME HEALTH CARE ABOVE Home Health 3

MORTGAGES

PAINTING

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PSYCHIATRIC TREATEMENT

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SENIOR LIVING

Franke Tobey Jones ...................Front Inside Cover

MENTAL HEALTH CLINIC Angels Psychiatry ....................................Back Cover