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.
Putting money away for retirement is a habit we can all live with.
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.
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.
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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 PGA TOURNAMENT SCHEDULE
APR 3 - 6
APR 10 - 13
APR 17 - 20
APR 17 - 20
Valero Texas Open TPC San Antonio (Oaks Course) • San Antonio, TX • USA
Masters Tournament
APR 24 - 27
MAY 1 - 4
MAY 8 - 11
MAY 8 - 11
MAY 15 - 18
MAY 22 - 25
MAY 29 - JUN 1
* Schedule subject to change
Augusta National Golf Club • Augusta, GA • USA
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
THE CJ CUP Byron Nelson TPC Craig Ranch •McKinney, TX • USA
Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA
Myrtle Beach Classic Dunes Golf and Beach Club • Myrtle Beach, SC • USA
PENDRITH $1,710,000
PGA Championship Quail Hollow Club • Charlotte, NC • USA XANDER SCHAUFFELE $3,330,000
Charles Schwab Challenge
Colonial Country Club • Fort Worth, TX • USA DAVIS RILEY $1,638,000
The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA
+ Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
SCHEFFLER $4,000,000
2025 LPGA TOURNAMENT SCHEDULE
2025 LPGA TOURNAMENT
LOCAL EVENTS GUIDE LAS VEGAS
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 24 - 27 | FILM
FESTIVAL
Las Vegas Black Film Festival returns to celebrate the Black Impact on the Big Screen. Great films, special guests, awards, this event has it all. Plan to attend and get a chance to see the next generation of movers and shakers before the rest of the world. For more info visit: lasvegasblackfilmfestival.com
APRIL 23 - 25 | WHISKEY EXPERIENCE
This event will feature like-minded whiskey lovers, whiskey masters and a lineup of great tastings. Universal Whisky Experience is about providing the connoisseur, collector, enthusiast and premium spirits consumer, the most exclusive, luxurious and intimate whisky and spirits enjoyment at an elite luxury resort in the world capital of entertainment.
For more info visit: universalwhiskyexperience.com
MAY
MAY 16 - 17 |
SPRING FEVER
This event is open to all 1976 and older classic cars, pickup trucks, and emergency vehicles. There will be a car show, vendors, drag races, concerts, cruises, poker run, poker walk, and a parade.This upand-coming event sounds like a great time for car enthusiasts! For more info visit: hotaugustnights.net
MAY 23 - 24 | BARBECUE CHALLENGE
Ready to feel the thrill of the grill? Thousands of carnivores descend upon southern Nevada each spring to turn up the heat for one of Nevada’s most savory barbecue challenges. Set against Historic Downtown Boulder City, more than 40 teams go head to head for the title of best barbecue, while thousands of hungry visitors devour an eclectic lineup for barbecue samplings. For more info visit: https://tinyurl.com/4j9kam5a
LOCAL EVENTS GUIDE
LAS VEGAS
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 2 - 13 | RESTAURANT WEEK
Las Vegas Restaurant Week has always been about sharing amazing culinary experiences with friends and family while supporting a good cause. Participating restaurants will serve prix-fixe menus at price points with a fixed portion of the meal’s cost being donated to Three Square food bank. For more info visit: restaurantweeklv.org
JUNE 19 - 22 | FILM FEST
The Nevada Women’s Film Festival is an annual event to celebrate and support the fair representation of women in film. Our goal is to showcase films with a strong female presence, women at the helm, stories that depict women in a positive light and which display diversity of worldview, background and experience. For more info visit: nwffest.com
JUNE 19 - 28 | RENO RODEO
As modern as Reno feels these days, it still proudly marches cattle
up its main drag to the Livestock Events Center for ten days of PRCA-sanctioned bull riding, steer wrestling, barrel racing, and entertainment, as it has every June for more than a century. An authentic benchmark of summertime in the high desert, more than 140,000 rodeo fans descend upon the Biggest Little City in the World to watch ropers, riders, and racers go head to head in a series of action-packed events at one of Nevada’s largest and oldest rodeos. For more info visit: renorodeo.com
JULY
JULY 13 | LAVENDER & HONEY FESTIVAL
This “scent-sational” event features all things lavender and honey along with arts and crafts, food, demonstrations, music, entertainment and more. It’s a festival for all ages, so invite your friends and family to enjoy a beautiful day. For more info visit: lavenderandhoneyfest.com
LOCAL EVENTS GUIDE LAS VEGAS
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
AU 1 - 10 | HOT AUGUST NIGHTS
This event is open to all 1976 and older classic cars, pickup trucks, and emergency vehicles. There will be a car show, vendors, drag races, concerts, cruises, poker run, poker walk, and a parade.This upand-coming event sounds like a great time for car enthusiasts! For more info visit: hotaugustnights.net
AUG 22 - 24 | COUNTRY FAIR
This weekend-long festivity celebrates these specialty Fallon cantaloupes with all kinds of cantaloupe treats—from shakes, to ice cream, to juicy slices with decadent toppings and beyond—along with live local entertainment, carnival rides, livestock exhibits, and plenty of vendors and fair food treats. For more info visit: falloncantaloupefestival.com
AUG 27 - 30 | RIB COOK-OFF
Come and celebrate one of the tastiest barbecue festivals in the
country at the annual Nugget Rib Cook Off in Sparks, NV. Each Labor Day, Victorian Avenue in Sparks closes to traffic as hundreds of thousands of barbecue buffs mow down 125+ tons of ribs and rock out to big-name bands (for free!) at one of the largest grilling competitions in the nation. For more info visit: nuggetribcookoff.com
SEPTEMBER
SEPT 10 - 14 |
AIR SHOW
Experience aerial thrills like no other at the Reno Air Show! High-octane performances will fill the blue skies over Reno at this three-day event that’s a favorite for aviation aficionados, families, and everyone in between. For more info visit: renoairshow.org
SEPT
19
- 21 | BALLOON FEST
As many as 40 balloon pilots and crews from all over the United States converge on Elko to enjoy wide open balloon flying at the foot of the beautiful, majestic
LOCAL EVENTS GUIDE
LAS VEGAS
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.
Ruby Mountains in all its summer glory. For more info visit: https://tinyurl.com/4t6n2jcj
OCTOBER
OCT 1 - 5 |
FOOD & WINE FEST
This is a festival featuring the world’s top spirits & wines like no other! Escape the real world for a stylistic drama combining incredible wines. Experience your wildest fantasies at The Las Vegas Food & Wine Festival. Join us at this oneof-a-kind event which will be held at the legendary Tivoli Village in fabulous Las Vegas, Nevada. Food & Wine events showcase some of the World’s best culinary talent at events. For more info visit: vegasfoodandwine.com
OCT 16 - 18 |
MARK TWAIN DAYS
Writer and humorist Mark Twain may be from Missouri, but it’s the Silver State where his legend was forged. Celebrating his enduring legacy on American literature, the annual Mark Twain Days take place in two locales he was quite
familiar with: Carson City and Virginia City. For more info visit: https://tinyurl.com/4ah2w8sx
NOVEMBER
NOV 1 - 2 | TACO FESTIVAL
Get ready for the biggest, boldest, and most delicious taco festival in the nation. Viva Taco Fest 2025 is back with the best of the best taco vendors and taco trucks from all over the country, all competing for a $10,000 prize for the best tacos. But it’s more than just tacos—it’s a full-blown cultural celebration! For more info visit: vivatacofest.com
DECEMBER
DEC 1 - 31 | CHRISTMAS ON THE COMSTOCK
Lasting the entire month of December, the historic Nevada mining town’s Christmas on the Comstock brings a Victorian-era holiday celebration alive with special events happening all over town. From the official Christmas tree lighting to live music, holi-
LOCAL EVENTS GUIDE LAS VEGAS
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.
day saloon crawls, historic train rides, local craft fairs, and a visit from Santa Claus himself, be sure Christmas on the Comstock is on your December to-do list. For more info visit: https://tinyurl.com/bfdd9u6p
JANUARY
JAN TBA | DR. MARTIN LUTHER KING, JR. PARADE
The Annual Dr. Martin Luther King, Jr. Parade - starting at Fourth Street and Gass Ave. at 10 a.m.The festival features cultural booths; car, motorcycle, and truck shows; a wide range of delicious food and beverage options; an elaborate parade, with performance groups and local political figures and celebrities joining in the festivities.
For more info visit: dkingweeklasvegas.com
FEBRUARY
FEB 11 - 16 | FILM FESTIVAL
The Annual Dam Short Film Festival takes place at the fully restored
Boulder Theatre in nearby Boulder City, Nevada. Their goal is to present over 100 of the highest-quality short films for attending audiences to enjoy, and the Festival had over 140 short films to screen in all genres. Sounds like a great time. For more info visit: damshortfilm.org
FEB 17 | LUNAR NEW YEAR
Come celebrate as Chinese New Year begins in Las Vegas! Come celebrate the Year of the snake! For a city that enjoys celebrating cultural diversity, Chinese New Year in Las Vegas is a sight to see. Every Chinese New Year, Las Vegas resorts transform their properties with extravagant displays and elaborate décor. For more info visit: https://bit.ly/2DykAFH
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
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
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
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.
SKIN
