Coachella Valley CA- 8 by The 55 Spotlight

COACHELLA

CALIFORNIA | VOL. 8

TOP 10 WAYS TO PREPARE FOR RETIREMENT

Saving Matters! Remember

Financial security in retirement doesn’t just happen. It takes planning and commitment and, yes, money. FACTS

✔ Only about half of Americans have calculated how much they need to save for retirement.

✔ The average American spends roughly 20 years in retirement.

1. START SAVING, KEEP SAVING, & STICK TO YOUR GOALS!

If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you’re not saving, it’s time to get started.

Putting money away for retirement is a habit we can all live with. (. . .continued on page 6)

Start small if you have to and try to increase the amount you save each month. The sooner you start saving, the more time your money has to grow. Devise a plan, stick to it, and set goals. Remember, it’s never too early or too late to start saving.

2. KNOW YOUR RETIREMENT NEEDS!

Retirement is expensive. Experts estimate that you will need 70 to 90 percent of your preretirement income to maintain your standard of living when you stop working. Take charge of your financial future. The key to a secure retirement is to plan ahead.

3. CONTRIBUTE TO YOUR EMPLOYER’S RETIREMENT SAVINGS PLAN!

If your employer offers a retirement savings plan, such as a 401(k) plan, sign up and contribute all you can. Your taxes will be lower, your company may kick in more, and automatic deductions make it easy. Over time, compound interest and tax deferrals make a

big difference in the amount you will accumulate. Find out about your plan. For example, how much would you need to contribute to get the full employer contribution and how long would you need to stay in the plan to get the money.

4. LEARN ABOUT YOUR EMPLOYER’S PENSION PLAN!

If your employer has a traditional pension plan, check to see if you are covered by the plan and understand how it works. Ask for an individual benefit statement to see what your benefit is worth. Before you change jobs, find out what will happen to your pension benefit. Learn what benefits you may have from a previous employer. Find out if you will be entitled to benefits from your spouse’s plan.

5. CONSIDER BASIC INVESTMENT PRINCIPLES!

How you save can be as important as how much you save. Inflation and the type of investments you make play important roles in how much you’ll have saved at retirement. Know how your savings or pension plan is invested. Learn about your plan’s investment options and ask questions. Put your savings in different types of investments. By diversifying this way, you are more likely to reduce risk and improve return. Your investment mix may change over time depending on a number of factors such as your age, goals, and financial circumstances. Financial security and knowledge go hand in hand.

6. DON’T TOUCH YOUR RETIREMENT SAVINGS!

If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.

7. ASK YOUR EMPLOYER TO START A PLAN!

If your employer doesn’t offer a retirement plan, suggest that it start one. There are a number of retirement saving plan options available. Your employer may be able to set up a simplified plan that can help both you and your employer.

8. PUT MONEY INTO AN INDIVIDUAL RETIREMENT ACCOUNT!

You can put up to $6,500 a year into an individual Retirement Account (IRA); you can contribute even more if you are 50 or older. You can also start with much less. IRAs also provide tax advantages. When you open an IRA, you have two options – a traditional IRA or Roth IRA. The tax treatment of your contributions and withdrawals will depend on which option you select. Also, the after-tax value of your withdrawal will depend on

inflation and the type of IRA you choose. IRAs can provide an easy way to save. You can set it up so that an amount is automatically deducted from your checking or savings account and deposited in the IRA.

9. FIND OUT ABOUT YOUR SOCIAL SECURITY BENEFITS!

On average, Social Security retirement benefits replace 40 percent of pre-retirement income for retirement beneficiaries. The amount of your wages that Social Security retirement benefits replace varies depending on your earnings and the age you choose to start receiving benefits. You may be able to estimate your benefit by using the retirement estimator on the Social Security Administration’s website.

10. ASK QUESTIONS!

While these tips are meant to point you in the right direction, you’ll need more information. Talk to your employer, your bank, your union, or a financial adviser. Ask questions and make sure you understand the answers. Get practical advice and act now.

Courtesy of US Dept. of Labor

2025 DESIGN TRENDS

EACH YEAR BRINGS NEW TRENDS IN INTERIOR DESIGN & 2025 IS NO DIFFERENT.

As the world changes, needs and desires change. Interior design can enhance your home environment with new ideas. We want our homes to appeal to all our sensesSensorial design. Vivid colors, environmentally friendly materials and luxury comfort are a few of the current trends.

Colors such as reds, oranges, purples, and maroons will be popular. These are called lucky colors in some cultures.

Accordingly they attract wealth and business success. No more plain walls - wallpapered and colored ceilings as well as textured walls are back. In addition, bold patterns and textures add drama, depth and visual interest to your room. Ceiling treatments also create visual interest. Beams or a coffered ceiling bring texture, depth and character to plain surfaces. They also reduce noise and add a bit of elegance.

Earth tones such as terracotta, ochre, rust and sage are always popular as they reflect nature and create a calm environment that makes a space feel warm and welcoming. To add a little luxury to any space, use gold, bronze, copper or silver finishes with small touches.

Furniture tends to be comfortable and relaxed without sacrificing style. Oversized sofas, comfortable chairs, lounge chairs and even daybeds are popular again. Curved and rounded furniture as well as accent pieces will be popular. They work with either traditional or modern design.

Dark warmer wood tones are back after years of light wood. To change the look of a piece of furniture or cabinet, stain it a walnut hue. Mix in modern with traditional. Darker

tones bring a warm, grounded feeling.

Lighting is an important part of any design project. Consider a layered lighting scheme that incorporates a mixture of overhead lighting, floor and table lamps and sconces. Think of fixtures as art and jewelry for your home. Lighting helps create a functional and welcoming home. Be sure to use dimmable lights as that enhances the mood in any room.

Small changes can reinvigorate your home in keeping with the 2025 design. Paint a wall, wallpaper a bathroom ceiling, add a colorful rug to a neutral room. It’s all about enjoying your home and feeling comfortable.

2025 PGA TOURNAMENT SCHEDULE

SCHEFFLER $4,000,000 * Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour

APR 3 - 6 Valero Texas Open TPC San Antonio (Oaks Course) • San Antonio, TX • USA

APR 10 - 13 Masters Tournament Augusta National Golf Club • Augusta, GA • USA

APR 17 - 20

APR 24 - 27

RBC Heritage + Harbour Town Golf Links • Hilton Head Island, SC • USA

Corales Puntacana Championship Puntacana Resort & Club (Corales Golf Course) Punta Cana • DOM

Zurich Classic of New Orleans TPC Louisiana • Avondale, LA • USA

MAY 1 - 4 THE CJ CUP Byron Nelson TPC Craig Ranch •McKinney, TX • USA

MAY 8 - 11 Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA

MAY 8 - 11 Myrtle Beach Classic

Dunes Golf and Beach Club • Myrtle Beach, SC • USA

MAY 15 - 18 PGA Championship Quail Hollow Club • Charlotte, NC • USA

MAY 22 - 25

Charles Schwab Challenge Colonial Country Club • Fort Worth, TX • USA

MAY 29 - JUN 1 The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA

2025 PGA TOURNAMENT SCHEDULE

Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour

JUN 5 - 8

RBC Canadian Open TPC Toronto at Osprey Valley (North Course) • Caledon, Ontario • CAN

JUN 12 - 15 U.S. Open

Country Club • Oakmont, PA • USA

JUN 19 - 22

JUN 26 - 29

Championship + TPC River Highlands • Cromwell, CT • USA

Mortgage Classic Detroit Golf Club • Detroit, MI • USA

JUL 3 - 6 John Deere Classic TPC Deere Run • Silvis, IL • USA

JUL 10 - 13

JUL 17 - 20

JUL 24 - 27

Scottish Open

Renaissance Club • North Berwick • SCO

Championship Hurstbourne Country Club (Championship Course) • Louisville, KY • USA

Open Championship Royal Portrush Golf Club • Portrush • NIR

Barracuda Championship Tahoe Mountain Club (Old Greenwood) • Truckee, CA • USA

Twin Cities • Blaine, MN • USA

JUL 31 - AUG 3 Wyndham Championship Sedgefield Country Club • Greensboro, NC • USA

AUG 7 - 10 FedEx St. Jude Championship TPC Southwind • Memphis, TN • USA

MATSUYAMA $3,600,000

2025 LPGA TOURNAMENT SCHEDULE

* Schedule subject to change ** Purse subject to change DATES TOURNAMENT

SEP 11 - 14

Kroger Queen City Championship presented by P&G Maineville, OH | TPC River’s Bend

SEP 19 - 21 Walmart NW Ark Championship presented by P&G Rogers, AR | Pinnacle Country Club

OCT 1 - 4

OCT 9 - 12

Championship presented by Hoakalei Ewa Beach, Oahu, HI | Hoakalei Country Club

Buick LPGA Shanghai Minhang District, Shanghai, People’s Republic of China | Qizhong Garden Golf Club

OCT 16 - 19 BMW Ladies Championship Republic of Korea | To be Confirmed

OCT 23 - 26

OCT 30 -

NOV 2

NOV 6 - 9

Hanwha LIFEPLUS International Crown Goyang, Republic of Korea | New Korea Country Club

NOV 13 - 16 The ANNIKA driven by Gainbridge at Pelican Belleair, FL | Pelican Golf Club

20 - 23

DEC 12 - 14 Grant Thornton Invitational

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COACHELLA VALLEY

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

APRIL 17 | VILLAGE FEST

We invite you to join the thousands of visitors and locals to beautiful downtown Palm Springs this Thursday for the Valley’s finest event. Enjoy a street fair featuring arts, crafts, food, and entertainment! For more info visit: villagefest.org

APRIL 25 - 27 | MUSIC FESTIVAL

The Stagecoach Festival is perhaps the best known country music festival anywhere in the world. Every year Stagecoach curates a lineup headlined by the biggest and brightest names in country music and also includes artists from related genres like rock, bluegrass, and folk. For more info visit: stagecoachfestival.com

MAY

MAY 15 - 18 | JOSHUA TREE

Joshua Tree Music Festival is: Supreme and diverse live music experiences to feed the body, mind and soul. Deep dive workshops to

uplift and inspire. Random acts of mindfulness inviting you to interact and connect. Spontaneous eruptions of gratitude. A friendly familial spirit. A community of music lovers. For more info visit: joshuatreemusicfestival.com

MAY 24 | STRAWBERRY FESTIVAL

Join us for a berry sweet time at the Strawberry Festival! Enjoy a day filled with live musical entertainment, exciting activities, and plenty of strawberry-themed treats. For more info visit: https://tinyurl.com/3dmkc9nj

MAY 31 | TACO & TEQUILA FEST

Get ready for the ultimate fiesta at the Taco & Tequila Festival! For more info visit: https://tinyurl.com/3ydx7tp4

JUNE

JUNE 7 | WINE & FOOD FEST

We are very excited to announce the Annual Palm Springs EQUALITY WINE & FOOD FEST! We will be

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COACHELLA VALLEY

taking over the entirety of the hotel’s stunning atrium, bringing an elevated atmosphere to this year’s event! Easy to find in the heart of downtown Palm Springs, with plenty of free parking! For more info visit: equalitywinefest.com

JUNE 20 - 22 | BALLOON & WINE FESTIVAL

The Temecula Valley Balloon & Wine Festival offers top-name entertainment, wine tasting in the Wine Garden, Kids Faire, Arts & Crafts and Commercial exhibits and the Food Court. Wine tasting features different premium wines from numerous Temecula Valley wineries as well as others from Southern California. This weekend is sure to be one you won’t forget! For more info visit: tvbwf.com

JUNE 24 - 30 | SHORTFEST

Short is king at ShortFest! The Palm Springs International ShortFest is one of the largest showcases of short-form cinema in North America, bringing together the

most innovative, boundary-pushing, and entertaining short films from around the world. This seven-day competitive festival is Academy Award, BAFTA, and Goya-qualifying, screening hundreds of shorts from 60+ countries. For more info visit: psfilmfest.org

JULY

JULY 4 | BLUES & ROCK CONCERT

Blue Mountain Tribe is back! If you missed them at their 2024 performance, don’t make the same mistake again. Kicking off the Idyllwild Blues Festival, they will be performing live on stage inside the Rustic Theatre. For more info visit: https://tinyurl.com/bd2tnvm7

JULY 4 | INDEPENDENCE DAY

The City of Palm Springs is delighted to offer a patriotic, fun-filled weekend of terrific family-friendly events that we hope everyone will enjoy as we celebrate America’s independence this Fourth of July,

LOCAL EVENTS GUIDE COACHELLA VALLEY

said City Manager Justin Clifton. Everyone is invited! For more info visit: https://tinyurl.com/365dsu4j

AUGUST

AUG 8 - 17 | SPLASH HOUSE

Splash House is a summer festival series for you and your friends. It’s your ticket to a house and disco escape with great people and great fun. The party takes place across three hotel resorts in Palm Springs, our favorite desert playground. Each resort is a full takeover hosting a poolside stage, rooms, and balconies that are all part of the fun. Desert days continue into the night for our After House series, where we dance aside the planes and stars at the Palm Springs Air Museum. For more info visit: splashhouse.com

AUG

9 - 10 | JAZZ FESTIVAL

Long Beach Jazz Festival is an old festival that is held every year, for more than 25 years. The festival hosts leading artists and compositions that play various styles

of jazz. Come and join us for an amazing weekend of music! For more info visit: longbeachjazzfestival.com

SEPTEMBER

SEPT 13 | ART FESTIVAL

Welcome to the Temecula Art & Street Painting Festival! Paintings, ceramics, jewelry, and photography set the stage for a weekend of creativity and talent through the outdoor Art Exhibition. This two-day event will also include various murals creating an asphalt gallery of chalk art masterpieces. The show will bring artists from all over Southern California!

For more info visit: https://bit.ly/39DDZVL

OCTOBER

OCT 2 - 5 | JAZZ FESTIVAL

Come enjoy the Desert Jazz Festival; it is a premier event on this year’s jazz calendar! For more info visit: desertjazzfestival.com

LOCAL EVENTS GUIDE COACHELLA VALLEY

OCT 11 | OKTOBERFEST

Do not miss our Annual Tradition at The Rustic. Oktoberfest 2025 has even more fun and games. Save the date! Beer, Brats, Lederhosen and some traditional German music! What a way to spend your Saturday out in beautiful Idyllwild under the Pine trees in the Rustic Back Lot. For more info visit: https://tinyurl.com/8b77ncbk

NOVEMBER

NOV 16 | FOOD & WINE FESTIVAL

The Palm Springs International Food and Wine Festival promises an extraordinary experience, unlike anything you’ve encountered before. Reflecting the hip,

cool, and bohemian vibe of Palm Springs, this innovative event showcases a vibrant celebration of flavor and creativity. Don’t miss out on this one-of-a-kind gastronomic extravaganza. For more info visit: palmspringsfoodandwine.org

DECEMBER

DEC 6 - 7 | TAMALE FESTIVAL

The world’s largest tamale festival will return this year. Over 100 vendors and booths will be set up for attendees to purchase a wide assortment of tamales, from the traditional chicken and beef to more outlandish flavors like chocolate and pineapple. Entry into the festival is free, and there are

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folkloric dance performances and traditional mariachi music played on multiple stages throughout the day. For more info visit: indiotamalefestival.com

JANUARY

JAN

2 | FILM AWARDS

Experience the Elegance and Excitement at the Palm Springs International Film Awards.Picture this: a radiant red carpet, shimmering gowns, sharp tuxedos, dazzling diamonds, the electrifying burst of flashbulbs, and the world’s most illustrious stars. The quintessential glamour and enchantment of the movies come alive here at the Palm Springs International Film Awards. For more info visit: https://tinyurl.com/bdek3v5z

FEBRUARY

FEB TBA | JAZZ FESTIVAL

The Palm Springs International Jazz Festival seeks to foster an appreciation for Jazz, the uniquely American art form, through performance and education. For more info visit: psjazzfest.org

FEB 7 | SOUL SPRINGS FESTIVAL

At Soul Springs Festival, magic happens when you least expect it! You never know who might step onto our stage to share their soul... Picture this: Your favorite artists surprising you with the classic soul songs that shaped their journey. Every performance tells a story of inspiration, paying tribute to the legends who paved the way. Be there when contemporary stars honor their musical heroes with fresh interpretations of timeless classics. Don’t miss out on this soul-stirring experience. For more info visit: soulspringsfest.com

2026 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

- 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

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

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