TUCSON ARIZONA | 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.
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 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
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
LOCAL EVENTS GUIDE
TUCSON
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 4 - 6 | FOLK FESTIVAL
The Tucson Folk Festival is a free and accessible Festival celebrating Americana and Folk Music traditions and all their wonderful variations, including bluegrass, blues, country, jazz, Celtic, zydeco, and various Latin and Mexican styles of music! This annual family-friendly Festival occurs in some of Tucson’s most historic sections. For more info visit: tucsonfolkfest.org
APRIL 10 - 15 | AGAVE FESTIVAL
After getting started as a tequila lover’s Cinco de Mayo celebration in 2008, Agave Heritage Festival has evolved into a unique event rooted in the historical and cultural significance of the agave plant. With seminars, trade shows, field trips, world-class culinary events, tastings of fine spirits unavailable in the United States, and an art exhibit, the festival is realizing its true potential. There are opportunities to learn about the plant’s inextricable role in the culture and history of the Arizona-Mexico
borderlands and beyond. For more info visit: agaveheritagefestival.com
MAY
MAY 2 - 4 | BULL RUN
A weekend event that brings people together from across the country to participate in a thrill-seeking challenge of running ¼ of a mile in front of 12 raging bulls! For over 400 years adrenaline junkies from around the world have traveled to Pamplona, Spain to experience this special opportunity. Now you don’t have to travel to Spain anymore. You can experience the adrenaline rush of running with real bulls in Tucson, AZ USA. For more info visit: bullrunfestival.com
MAY 3 | CRAWFISH FESTIVAL
Bring the whole family and join for a fun, relaxed evening full of great food, good music, and awesome company!For more info visit: tucsonfoodie.com
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LOCAL EVENTS GUIDE TUCSON
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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MAY
9 - 10 | JAZZ
UNDER THE STARS
Join us on Friday and Saturday evenings for cocktails, brews, and a locally sourced menu of tasty bites while you soak up the smooth sounds of local jazz artists in a beautiful garden atmosphere. For more info visit: https://tinyurl.com/wxvexvwr
JUNE
JUNE 14 | MARGARITA CHAMPIONSHIP
Get ready for a spirited evening of flavor, creativity, and friendly competition at the World Margarita Championship—an annual showdown where Tucson’s top chefs and mixologists battle it out for the ultimate margarita and culinary crown! For more info visit: https://tinyurl.com/yk3v6xva
June 14 | Juneteenth
Let’s bring together people of all backgrounds in promoting the education, advocacy, and celebration of Juneteenth in Tucson.To
cultivate a community of people of all backgrounds in a day of unity to commemorate and celebrate Juneteenth and African American culture with musical performances, inspiring speakers, storytelling, cultural exhibits, religious observances, kid-zone, food vendors, and more! For more info visit: tucsonjune19.org
JULY
JULY 4 | INDEPENDENCE DAY
Tucson, its suburbs, and other cities all over Southern Arizona annually host dozens of the 4th of July events to help you have an unforgettable Independence Day. You’ll definitely catch some live concerts, restaurant dining, patriotic runs, and firework displays. The fun-packed program has something for everyone, but the problem is it differs yearly too. Still, you can always count on the iconic “A” Mountain Fireworks Celebration in Downtown Tucson.For more info visit: https://bit.ly/3xAzDqe
LOCAL EVENTS GUIDE TUCSON
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.
JULY 5 | ARTWALK
We are celebrating 1st Thursday on Friday the 5th this month! On the July 5th ArtWalk, we invite you to join us for great art, light refreshments, and live music by harpist Vannessa Myers. For more info visit: https://tinyurl. com/3u94hzn4
AUGUST
AUG 6 - 10 | BIRDING FESTIVAL
Join us and experience Tucson Audubon’s Southeast Arizona Birding Festival during our beautiful monsoon season with professionally led field trips, programs, keynote speakers, photography workshops, and extensive Nature Expo. For more info visit: https://bit.ly/3y3PrTM
AUG 29 - 31 | GEM & JEWELRY SHOW
The JOGS Gem & Jewelry Show, one of the largest trade shows in the Americas. This highly anticipated event is the perfect opportunity for manufacturers, whole-
salers, and brands to showcase their latest designs and products during a critical buying and restocking season. For more info visit: https://tinyurl.com/3cha3tdf
SEPTEMBER
SEPT TBA | STATE FAIR
For 140 years, the Arizona State Fair has been a gathering place for our diverse residents from the far corners of the state, to honor the past, celebrate the now and explore the future. Come add some excitement into your day and immerse yourself in a wonderland of amusement right in your own backyard. For more info visit: azstatefair.com
OCTOBER
OCT 17 - 19 | FOLKLIFE FESTIVAL
The festival has been held annually in Downtown Tucson, Arizona since 1974.FA’s mission is to build more equitable and vibrant communities by celebrating the everyday expressions of culture, heritage and diversity in the Greater
LOCAL EVENTS GUIDE TUCSON
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.
Southwest. Its work helps support, honor, and promote the traditional arts and heritage practices of the region and that complement the festival year-round. For more info visit: tucsonmeetyourself.org
OCT 24 - 26 | CELTIC FESTIVAL
The Tucson Celtic Festival Association is dedicated to the preservation and celebration of the rich heritage of customs and traditions of all Celtic peoples. The festival provides a gathering place for those interested in Celtic Culture where they may participate in and enjoy various Celtic arts, traditional dress, crafts, foods, vendors, music, dance, literature, language and athletics in the form of demonstrations, reenactments, performances and competitions. For more info visit: tucsoncelticfestival.org
NOVEMBER
NOV 1 | DÍA DE LOS MUERTOS
Celebrate the rich and beautiful musical traditions of Día de los Muertos in this collaboration between the TSO and the Tucson International Mariachi Conference. Internationally recognized Tlen Huicani, the most iconic representatives of the beautiful Son Jarocho, join the TSO, and special guests Mariachi Aztlán de Pueblo High School and Grupo Folklórico Los Guerreros de Pueblo High School for a one-night-only concert filled with emotion and excitement. For more info visit: https://tinyurl.com/4fk726fj
DECEMBER
DEC 14 | TUCSON MARATHON
The Tucson Marathon, Half-Marathon & Marathon Relay event is a popular annual event that attracts around 4,000 runners in December. The Tucson Marathon follows an incredibly beautiful USATF-certified course, from the rural town of Oracle to the hamlet of Catalina, just north of Tucson suburb Oro
LOCAL EVENTS GUIDE TUCSON
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.
Valley. This run is a Boston Marathon qualifier that attracts local and visiting runners from as many as 48 states and five foreign countries in recent years. For more info visit: aravaiparunning.com
JANUARY
JAN 16 - 24 | JAZZ FESTIVAL
Jazz lovers! Welcome to Tucson for Jazz in January! Marking its ninth year, the Tucson Jazz Festival promises a lineup that’s not to be missed. For more info visit: tucsonjazzfestival.org
FEBRUARY
FEB 15 - 23 | RODEO
Join the fun during the Centennial Celebration! Don’t miss riding the Mechanical bull this year! Enjoy watching over 750 contestants compete in the Centennial Rodeo! For more info visit: tucsonrodeo.com
MARCH
MARCH TBA | FESTIVAL OF BOOKS
The Tucson Festival of Books arrives in March when the sun is beaming, desert wildflowers are blooming and University of Arizona students are gone bye-bye on spring break. It’s Tucson’s annual gift to bookworms -- a two-day bestseller for all ages. For more info visit: tucsonfestivalofbooks.org
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
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!
