SUBURBAN PHILADELPHIA PENNSYLVANIA VOL.
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
* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
MAR 6 - 9
MAR 6 - 9
MAR 13 - 16
MAR 20 - 23
Arnold Palmer Invitational presented by Mastercard + Arnold Palmer’s Bay Hill Club & Lodge • Orlando, FL • USA
Puerto Rico Open Grand Reserve Golf Club • Rio Grande • PUR
THE PLAYERS Championship
TPC Sawgrass (THE PLAYERS Stadium Course) • Ponte Vedra Beach, FL • USA
Valspar Championship
Innisbrook Resort (Copperhead Course) • Palm Harbor, FL • USA
MAR 27 - 30 Texas Children’s Houston Open
Memorial Park Golf Course • Houston, TX • USA
GARNETT $720,000
APR 3 - 6
APR 10 - 13
APR 17 - 20
APR 17 - 20
APR 24 - 27
MAY 1 - 4
JAEGER $1,638,000
Valero Texas Open TPC San Antonio (Oaks Course) • San Antonio, TX • USA AKSHAY BHATIA $1,656,000
Masters Tournament Augusta National Golf Club • Augusta, GA • USA
RBC Heritage + Harbour Town Golf Links • Hilton Head Island, SC • USA SCOTTIE SCHEFFLER $3,600,000
Corales Puntacana Championship Puntacana Resort & Club (Corales Golf Course) Punta Cana • DOM BILLY HORSCHEL $720,000
Zurich Classic of New Orleans TPC Louisiana • Avondale, LA • USA
THE CJ CUP Byron Nelson
TPC Craig Ranch •McKinney, TX • USA
MCILROY, SHANE LOWRY $1,286,050
PENDRITH $1,710,000
2025 PGA TOURNAMENT
* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
MAY 8 - 11
MAY 8 - 11
TOURNAMENT
Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA
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
JUN 5 - 8
The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA
RBC Canadian Open TPC Toronto at Osprey Valley (North Course) • Caledon, Ontario • CAN
JUN 12 - 15 U.S. Open Oakmont Country Club • Oakmont, PA • USA
JUN 19 - 22
JUN 26 - 29
JUL 3 - 6
Travelers Championship + TPC River Highlands • Cromwell, CT • USA
Rocket Mortgage Classic Detroit Golf Club • Detroit, MI • USA
John Deere Classic TPC Deere Run • Silvis, IL • USA
JUL 10 - 13 Genesis Scottish Open The Renaissance Club • North Berwick • SCO
DECHAMBEAU $4,300,000
2025 LPGA TOURNAMENT SCHEDULE
2025 LPGA
LOCAL EVENTS GUIDE
SUBURBAN PHILADELPHIA
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
16
| ST. PATRICK’S DAY PARADE
The Irish began to celebrate Saint Patrick’s Day in Philadelphia during the colonial period. The first St. Patrick’s Day in Philadelphia was held in 1771, five years before the beginning of the American Revolutionary War. The first parade was organized by the Society of the Friendly Sons of St. Patrick for the relief of Emigrants from Ireland. By the way, George Washington was an honorary member of the society. For more info visit: philadelphiastpatsparade.com
APRIL
APRIL 5 - 6 | CHERRY
BLOSSOM FESTIVAL
Blooms of colorful cherry blossoms are a sure sign of the arrival of spring in the Philadelphia region. The annual Subaru Cherry Blossom Festival of Greater Philadelphia, which honors these beautiful flowering trees and the city’s deep Japanese cultural connec-
tions. The family-friendly festival expands to include a month of complementary programming. For more info visit: japanphilly.org
APRIL 6 - 12 | RESTAURANT WEEK
Dine Latino Restaurant Week is turning up the heat with Let’s Rallie for our 9th edition this Spring! Dine Latino Restaurant Week is a one-of-a-kind culinary celebration that honors local Latino-owned restaurants by showcasing their authentic flavors and time-honored traditions. Powered by GPHCC, this vibrant event elevates your restaurant’s profile, attracts new patrons, and promotes cultural diversity in our community. Join us and discover how your restaurant can shine as part of this exciting movement! For more info visit: https://tinyurl.com/y5r9d4bu
LOCAL EVENTS GUIDE
SUBURBAN PHILADELPHIA
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 27 | STREAT FOOD FEST
Grab everything from savory BBQ to sweet desserts as Philadelphia’s best food trucks and gourmet food vendors take on historic Main Street Manayunk. You’ll be able to taste test the best and enjoy festival shopping from a variety of local vendors and Manayunk merchants. The day will also bring live musical performances from six acts at two different stages. Come to StrEAT, and bon appétit! For more info visit: https://tinyurl.com/2p9aux4r
MAY
MAY 1 - 4 | DREAMGIRLS
Hopeful singing talents Deena Jones, Lorrell Robinson, and Effie White are performing as The Dreamettes when ambitious agent Curtis Taylor, Jr. discovers them. Landing them a job as backup singers for the soul and rock ‘n’ roll sensation James ‘Thunder’ Early, he smartly begins to mold their rising career. However Deena and Effie come to blows when the former is lauded as the
group’s star for her beauty, rather than the full-figured and vocally more talented Effie, and the dream threatens to unravel as fast as it began. For more info visit: https://tinyurl.com/2yzkh7t3
MAY 10 | FLEADH FESTIVAL
The Fleadh is the Philadelphia area’s biggest annual Irish-American Festival with multiple stages featuring live Celtic Rock, Traditional Irish music and dance, shopping, vendors, food, spirits, kids activities and more. Bring your dancing shoes to join the sessions with world renowned experts and jam with other like minded musicians. For more info visit: phillyfleadh.com
JUNE
JUNE 7 | CAR SHOW
The Destination Conshohocken team is excited to announce that the Annual Conshohocken Arts Festival and Car Show is planning to be live this year! For more info visit: conshohockenartsfestival.com
LOCAL EVENTS GUIDE
SUBURBAN PHILADELPHIA
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 21 - 22 | ARTS FESTIVAL
Since 1990, the show has built itself into being the tri-state area’s largest outdoor, juried art festival featuring approximately 300 different local and nationally known artists and crafters. Collectors, buyers, and designers will visit Main Street during the two-day, closed street event. The festival is free to the public and features artists from eight different disciplines: fiber, glass, ceramics, jewelry, mixed media, painting & drawing, photography, and wood & sculpture. For more info visit: https://tinyurl.com/m6f3a2p3
JULY
JULY 1 - 6 | FILM FESTIVAL
The Philadelphia Latino Film Festival showcases feature films, shorts, youth films, animations and documentaries by established and emerging Latino and Latin American filmmakers, screened in English or Spanish with subtitles. For more info visit: phlaff.org
JULY 9 - 13 | ARTS FESTIVAL
The Central Pennsylvania Festival of the Arts is an art lover’s dream! Whether shopping for a unique gift, or looking for something for yourself, our Sidewalk Sale and Exhibition is the place to be. You’ll find over 300 of the country’s best artists selling a wide variety of fine art and fine craft. For more info visit: arts-festival.com
AUGUST
AUG 16 | DOG DAY OF SUMMER
This one has gone to the dogs! Celebrate our four-legged friends Saturday, August 16th, 2025 11AM-4PM with an afternoon of pet-friendly vendors and activities. Don’t have a dog? Don’t fret! This is a family-friendly event for four and two-legged guests! For more info visit: https://tinyurl.com/2pspuumv
LOCAL EVENTS GUIDE
SUBURBAN PHILADELPHIA
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.
AUG 23 - 30 | RENAISSANCE FEST
Take a magical tour through time and legend at the Renaissance Festival..As you wander down the village streets and pathways, experience a A 16th Century Medieval Amusement Park! Ready thyself to revel with master revelers, watch artisans create original works of their ancient craft and be taken in by the tantalizing aromas of roast turkey legges, steak on a stake, fresh baked goods and much more. Featuring a cast of hundreds of authentically costumed merrymakers living and working throughout the village and performing, continuously, upon the Festival’s stages, the illusion of a rollicking 16th Century festival day is created. For more info visit: pittsburghrenfest.com
SEPTEMBER
SEPT
6
- 7 | MUSHROOM FEST
Mushroom lovers across the nation converge in historic Kennett Square each year on the weekend after Labor Day. Over past years, festival events have included the
National Fried Mushroom Eating Championship, an Antique and Classic Car Show, a Mushroom 5k Run/2-mile Walk winding past local mushroom farms, an Amateur Mushroom Cook-off and more!
For more info visit: mushroomfestival.org
OCTOBER
OCT TBA | HALLOWEEN
Come for the thrill of it! Halloween in Manayunk offers a fun and safe way to celebrate Halloween. The Pretzel Park Farmers Market will host spooky vendors and a costume parade. Stop by to enjoy a safe spooky night!
For more info visit: https://tinyurl.com/cvhs678r
NOVEMBER
NOV 21 - 23 | A CHRISTMAS STORY
Ralphie Parker’s one Christmas wish is pretty simple - he wants an air gun. And he’s going to make sure he gets it! A Christmas Story is based on the beloved 1983 mov-
LOCAL EVENTS GUIDE
SUBURBAN PHILADELPHIA
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.
ie, which has become a perennial holiday classic. Adapted faithfully for the stage by Joseph Robinette, the funny and witty songs are provided by the songwriting duo of Benj Pasek and Justin Paul. Sure to appeal to all the family, this musical is a whimsical, nostalgic portrait of 1940s America and a stone-cold holiday classic. Why watch it on TV when you can see it live?. For more info visit: https://tinyurl.com/mr3kzf75
DECEMBER
DEC 1 - 31 | HOLIDAYS
IN MANAYUNK
While shopping and dining around town, get in the holiday spirit by joining us at one of our many holiday events and take a tour of our wonderful holiday light displays on our FREE Jolly Trolley rides Thursday, Fridays, and Saturdays throughout the season. For more info visit: https://tinyurl.com/yc6aak5p
JANUARY
JAN 1 | MUMMERS PARADE
Each Mummers division plays a special role in the parade. The Comics and Wench Brigades satirize issues, institutions and people; the Fancies impress with glamorous outfits that rival those of royalty; the String Bands gleefully play banjoes, saxophones, percussion and other reed and string instruments; and the Fancy Brigades produce tightly choreographed theatrical extravaganzas. For more info visit: https://tinyurl.com/f3s88w5a
FEBRUARY
FEB 20 - 22 | HOME SHOW
The Philly Home Show is a vibrant marketplace where you can shop for home-related products and services, experience stunning displays to help inspire your next home project, connect with industry experts, and enjoy informative presentations from renowned local and international home professionals. For more info visit: phillyhomeshow.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 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
TRAVELING TO ICELAND.
Iceland is a small Nordic country in Europe known for its dramatic landscape with volcanoes, geysers, hot springs, lava fields and massive glaciers. It is also known for its distinct Nordic culture based on folklore and mythology, dating back to the Vikings who were first to colonize the land. Later, it was
under Danish rule and gained its independence in 1944 and is a founding member of NATO. Despite having its own distinct language and being a country of only 384,000 people, English is spoken widely as it is taught in school as a second language.
The capital city is Reykjavik which is known for its lively nightlife, modern museums, excellent dining, galleries and shopping. It is the base from which to explore all that Iceland has to offer.
The best time to visit is May through October but those are also the busiest times. Iceland is an outdoor enthusiast’s paradise. There are so many adventures to choose from whether it is the natural wonders under the summer’s midnight sun or seeking the aurora borealis in winter months.
Spend a day touring the Golden Circle and see three incredible natural events. Starting in the capital, Reykjavik, drive into the southern uplands to Pingvellir National Park, onto the Geysir geothermal area and then the Gullfoss waterfall and end back in the city.
Pingvellir is a UNESCO world heritage site and the first place settled in south Iceland. See Iceland’s largest lake, the Langjokull glacier, hike the North American plate and see Game of Thrones scenery at Almannagja gorge and then view the amazing Oxarafoss waterfalls. If you are
really adventurous, snorkel at Silfra, one of the world’s top 10 dive sites.
Drive on to the Geysir Geothermal area in the Haukadalur Valley. See the volcanic landscape and arrive at Strokkur which is the geyser that erupts every 6-10 minutes shooting hot water as high as 130 feet into the air. Walking through the valley, view many hot springs, smaller geysers and bubbling mud spots.
The last stop is Gullfoss Waterfall which is famous for its 2 drops, falling 100 feet and view the rainbows that shoot from the spray. Finish the day with a leisurely drive back to Reykjavik allowing time for stops along the way.
The cold waters off the coast attract an abundance of sea life including over 20 species of whales, including dolphins and porpoises. Tours can be found all over the country but the best spot is in the seaside village of Dalvick in the north.
Caving is a popular and extraordinary experience. Because Iceland is one of the most active
and inactive volcanic regions. It has incredible rock formations above and below the earth’s surface. Tube caves inside glaciers form after magma flows underneath the earth’s surface and lava solidifies overhead. Tours operate safely year-round with geologists as guides. Be prepared with proper clothing and footwear as caves are chilly and there is often dripping water. Floors are
rugged, so sturdy boots are necessary. The caves are unexpectedly large and many have staircases and walkways for safe exploration. The most unique is Prihnukargigur (3 Peaks Crater) which takes you across lava fields to the cable car down 400 feet into a volcano that has been extinct for over 4500 years. The crater is the size of 3 basketball courts and as tall as the Statue of Liberty.
- a place like no other!
