Dallas
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2022
Club Member Magazine
Dallas
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Important Dates in Golf History Seven New Wedding Traditions Amazing Facts About Dogs PGA Tour Schedule Day Trip From Dallas Home Improvement Travel & Leisure LPGA Tour Schedule Health & Wellness ATP Tour Schedule Wealth & Finance Champions Tour Schedule Index
2022
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Club Member Magazine
The Most Important Dates In Golf History
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f you play golf, you know that it is a unique sport that requires skill, focus and strategy and perhaps you have some idea that golf has a lengthy history. However, what you may not know is that golf is an ancient sport with roots deep in Scotland. Unlike other sports such as football which are quite recent developments, early golf dates as far back as the year 1296. Back then, the sport didn’t even share the same name. Instead, the Dutch near Scotland were reported to have played a stick game called “colf.”
Thankfully, the name changed as the Scottish adopted the sport and even founded the first rules of golf in 1744. Though the original version was not as detailed as modern golf, the Scottish approached the sport with the same level of seriousness we do today. Rule No. 4 clearly illustrates this strictness by stating that “no golfer shall remove stones, bones or any break club except upon the fair green and even then, only within a club’s length of the ball”. Sound somewhat familiar to today’s rules? Though golf is undeniably a very old sport, the most important dates in Golf History occur during the 1800’s when the sport’s popularity really took off. This popularity could be traced to the 1840s when a new method of making golf balls was discovered. Using the coagulated milk of the Malayan gum tree instead of stuffing the balls with feathers, golf balls were cheaper and easier to make which allowed them to be bought by anyone, even the working man. As golf became a common activity for leisure, it naturally became more competitive. As a result, 1860 ushered in the first Open Championship. One of the most notable names among these original champions was Old Tom Morris who, in 1868 at age 46, won the Open Championship making him the oldest victor of the title. From this point forward, the Championships multiplied, and the stakes grew higher as more and more skilled masters vied for the same title. As the history of golf evolved, the list of true masters only grows longer. One great golfer, Ben Hogan, is renowned for winning the Masters, the U.S. Open and the Open Championship consecutively in 1953. In 1960, Arnold Palmer predicted his score of 65 before winning his only U.S. Open at Cherry Hills Country Club in Denver, Colorado. Some other giants in the sport are Jack Nicklaus, a golfer credited with the most major victories in history. And Tiger Woods, the youngest man and first African-American to win The Masters in 1997. All of these historical insights highlight the fact that golf has a long legacy of accomplished, highlyskilled athletes that would rival any other sport’s Hall of Fame. If you haven’t researched golf’s background, read up on it and discover what had to happen to shape the golf we know and love playing today. Better yet, hit the green and simply enjoy golfing!
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Club Member Magazine
Seven New Wedding Traditions Every Modern Couple
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hen it comes to planning a wedding, much goes into consideration – including the wedding day traditions that come along with the ceremony and reception. For years, it’s always been customary for the bride to wear white, with a veil covering her face and for the father of the bride to give the woman away (as well as foot the bill). However, as time has passed, things have been changing and the matrimony customs of the past don’t necessarily work for the contemporary couple.
1. Toss out the bouquet toss. Traditional wedding games like tossing the bridal bouquet and removing the garter belt are being done less in favor of more dancing time.
Will Love
overlays – specifically for their wedding day, to tie in their theme for branding purposes.
4. Ask guest to check their cell phones at the ceremony While social media is on the rise for the reception, asking guests to limit their use of their cellphones during the ceremony is also becoming a growing request. Limiting guest interaction with their cell phones during the nuptials is on the rise. You’ve hired a professional photographer to capture your guests’ faces, not a sea of cell phones.
5. Focus on the guest experience
The wedding may be a big deal for the bride and groom, but it’s also a time for the guests to have fun. Some couples are booking performers 2. Keep your bridal party intimate – singers, dancers, bands, acrobats, live painters Couples are shying away from large bridal – all for the sake of giving their guests a night parties and opting for a small group of friends to they’ll never forget. . stand by their side as they exchange vows. Large 6. Find music that speaks to you bridal parties have their own set of logistics that can be difficult to navigate, including booking When it comes to ceremony music, couples are hair appointments, makeup schedules, fittings, choosing songs that speak to their relationship, clothing pick up and drop off and stretch limos. rather than the traditional bridal chorus of Keeping it intimate will save you time, money ‘Here Comes The Bride’ or a wedding march of classical music. and frustration.
3. Socialize guests with social media A growing tradition among soon to be newlyweds is using social media during the big day with hashtags and filters. Snapchat is a big trend on the rise with weddings this year. Couples are creating custom geofilters – location based
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Event Planning
7. Don’t forget to keep some of the classics
While there may be a few changes here and there, when it comes to the style of décor or the overall look and feel of the occasion, it’s always good to keep some of the classic concepts.
Amazing Facts You Probably Didn’t Know About Dogs Do you think you know everything there is to know about canines? Think again! Check out these interesting facts you may have never heard. 1. Your dog is as smart as a two-year old! Ever wonder why children around this age seem to have a special bond with the family dog? It could be because they speak the same language, roughly 250 words and gestures in fact. 2. A study at UCSD claims that your dog can genuinely get jealous when they see you display affection for another creature. 3. The United States has the highest pet dog population in the world, approximately 75.8 million. 4. Man’s best friend? Petting a dog and gazing into their eyes releases oxytocin (the love hormone) not only for you, but for them as well. 5. Dachshunds were originally bred to fight badgers. 6. Dogs that have been spayed or neutered live longer than dogs who are intact. 7. More than half of all U.S. presidents have owned dogs. 8. Stray dogs in Russia have learned how to ride the complex subway system, and get off at specific stops in search of food. 9. Your dog can smell your feelings. In fact, your dog’s sense of smell is approximately 100,000 times better than yours. So it shouldn’t be shocking that they can in fact smell things such as fear. When a human is fearful, they perspire, and a dog is easily able to pick up on this change. 10. Dogs have wet noses because it helps to absorb scent chemicals. 11. Dogs can be trained to detect cancer and other diseases in humans. Cancerous cells release different metabolic waste products than healthy cells in the human body. Dogs may even be able to sniff out cancer cells simply through smelling someone’s breath. 12. When your dog is carefully choosing the perfect place to do his business, it is because they prefer to poop in alignment with the Earth’s magnetic field. 13. Have you ever wondered why your dog curls up in a ball when they sleep? It’s actually an ageold instinct to keep themselves warm and to protect vital organs while they sleep. 14. Your dog can help you get a date! One study showed that a man’s chances of getting a girl’s phone number went from 10% to 33% just by having a dog with them. In the study, a staggering 66% of men and women would not date someone who didn’t like pets. 15. Labradors have been the most popular breed in the United States for the last 26 years. 16. Scientists believe that the world’s first known dog lived 31,700 years ago. This prehistoric dog resembled a large Siberian Husky. 17. There are approximately 600 million dogs in the world. It is estimated that nearly 400 million of those dogs are strays.
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Club Member Magazine
PGA TOUR SCHEDULE JAN 6-9 Sentry Tournament of Champions Maui, HI JAN 13-16 Sony Open in Hawaii Honolulu, HI JAN 20-23 The American Express La Quinta, CA JAN 27-30 Farmers Insurance Open San Diego, CA FEB 3-6 AT&T Pebble Beach Pro-Am Pebble Beach, CA FEB 10-13 Waste Management Phoenix Open Scottsdale, AZ FEB 17-20 The Genesis Invitational Pacific Palisades, CA FEB 24-27 The Honda Classic Palm Beach Gardens, FL MAR 3-6 Puerto Rico Open Rio Grande, Puerto Rico MAR 3-6 Arnold Palmer Invitational Orlando, FL MAR 10-13 The Players Championship Ponte Vedra Beach, FL MAR 17-20 Valspar Championship Palm Harbor, FL MAR 23-27 World Golf Championships Austin, TX 10
2022
Club Member Magazine
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PGA TOUR SCHEDULE MAR 24-27 Corales Puntacana Championship Punta Cana, Dominican Republic MAR 31-APR 3 Valero Texas Open San Antonio, TX APR 7-10 Masters Tournament Augusta, GA APR 14-17 RBC Heritage Hilton Head, SC APR 21-24 Zurich Classic of New Orleans Avondale, LA APR 28-MAY 1 Mexico Championship MAY 5-8 Wells Fargo Championship Potomac, MD MAY 12-15 AT&T Byron Nelson McKinney, TX MAY 19-22 PGA Championship Tulsa, OK MAY 26-29 Charles Schwab Challenge Fort Worth, TX JUN 2-5 The Memorial Tournament Dublin, OH JUN 9-12 RBC Canadian Open Toronto, Canada JUN 16-19 US Open Brookline, MA 12
2022
PGA TOUR SCHEDULE JUN 23-26 Travelers Championship Cromwell, CT JUN 30-JUL 3 John Deere Classic Silvis, IL JUL 7-10 Barbasol Championship Nicholasville, KY JUL 7-10 Genesis Scottish Open North Berwisck, Scotland JUL 14-17 Barracuda Championship Truckee, CA JUL 14-17 The Open Championship Fife, Scotland JUL 21-24 3M Open Blaine, MN JUL 28-31 Rocket Mortgage Classic Detroit, MI AUG 4-7 Wyndham Championship Greensboro, NC AUG 11-14 FedEx St. Jude Championship Memphis, TN AUG 18-21 BMW Championship Wilmington, DE AUG 25-28 TOUR Championship Atlanta, GA
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2022
DAY TRIP FROM DALLAS - FORT WORTH STOCKYARDS HISTORY OF THE FORT WORTH STOCKYARDS Just a short drive from Dallas you will find Fort Worth Stockyards, the historical district built on the original stockyards site, celebrating the area’s proud tradition as part of the cattle industry in America. The Stockyards is known as “where the west begins” and is actually the last standing Stockyards in the United States. Between 1866 and 1890 drovers trailed more than 4 million cattle through Fort Worth, giving the city its nickname Cowtown. When the railroad arrived in 1876, Fort Worth became a major shipping point for livestock, so the city built the Union Stockyards in 1887. These days, thousands of visitors from all over the world head to the Stockyards to experience Cowtown and a real western experience. Local volunteers still run the world’s only daily cattle drives through the Stockyards, to the delight of the kids and tourists, and thousands of cattle are still sold from the Exchange Building by satellite video. Plus a town full of entertainment venues, shopping and dining, all dripping in cowboy theme, there’s no reason not to go.
THINGS TO DO AT THE FORT WORTH STOCKYARDS STOCKYARDS CHAMPIONSHIP RODEO Fort Worth Stockyards is home to the world’s only year round rodeo – with the action taking place every single Friday and Saturday night at 8:00pm in the historic Cowtown Coliseum. The two hour Championship Rodeo features bull riding, tie down roping, team roping, barrel racing, bronc riding and break away roping, as well as a calf and mutton scramble with prizes for the kids!
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HERD CATTLE DRIVE When you think of the wild west, the first thing that comes to mind is the Texas Longhorn and an American Cowboy. Fort Worth brings the tradition of cowboys and cattle drives back to life, offering authentic cattle drives of the Texas Longhorns, driven by genuine Texas cowhands, twice daily through the main center of Fort Worth Stockyards at 11:30am and 4:00pm. HISTORIC WALKING TOURS Take a walking tour through the Stockyards to visit the historic locations of the area, offering interesting facts, culture and stories about the olden days from extremely knowledgeable personal guides. LIVESTOCK EXCHANGE BUILDING Built in 1902, the Livestock Exchange Building was once an office for cattle traders, and known as “The Wall Street of the West”, taking care of all the business that occurred in the Stockyards. These days the building is mainly used as offices, but you can still find the North Fort Worth Historical Society Museum inside, as well as satellite cattle auctions every other Friday on the first floor. MECHANICAL BULL If you want to test your skills on a mechanical bull and pretend you’re a cowboy, you can find one across the road from Stockyards Station. STOCKYARDS GHOST TOURS Interested in ghosts, hauntings and paranormal activity?! Well, the Historic Fort Worth stockyards are the perfect place to go – the paranormal activity is some of the most active and written about in the United States! The Ghost Tour takes about 90 minutes, and walks you through the active paranormal areas of the Fort Worth Stockyards, sharing the detailed history of the Stockyads, Bordello’s, the shoot outs, the hangings and so much more!
FILTHY MCNASTY’S SALOON Found one block west of Main Street, Filthy McNasty’s is the place to go for live entertainment and dancing, and to be a part of the history of the west in the place where it began!
There are so many things to see and do in the Fort Worth Stockyards, these lists are barely scraping the surface! Check out the upcoming EVENTS on their website, as live entertainment changes often and big names are often found in the Stockyards. Visit fortworthstockyards.org for more information.
Club Member Magazine
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»6» Surefire Ways To Make Your Home Sell Faster
1. TAKE GREAT PHOTOS If your listing photos don’t show off the features of your home, prospective buyers may reject it without even taking a tour or going to the open house. Hiring a professional photographer and posting at least 30 photos of your home, inside and out, is a good way to attract buyers. 2. CLEAN EVERYTHING Nothing turns off buyers like a dirty house. Hire a company to deep clean it if you can’t do it yourself. Key places to clean while your home is on the market include kitchen countertops, inside cabinets and appliances, floors and room corners where dust collects, shelves, bathroom counters, toilets, tubs and showers, inside closets, windows inside and out, scuffed walls, baseboards and doors, basement and garage. 3. LET THE LIGHT IN People love light and bright, and the best way to show off your house is to let the sunshine in. Open all the curtains, blinds and shades, and turn lights on in any dark rooms. If the natural light situation is lacking in any room, strategically place lamps or light sources throughout to set the mood. 4. MAKE YOUR HOME AVAILABLE Buyers like to see homes on their schedules, which often means evenings and weekends. Plus, they want to be able to tour a home soon after they find it online, especially in a hot market where they’re competing with other buyers. If your home can be shown with little or no notice, more prospective buyers will see it. If you require 24 hours notice, they may choose to skip your house altogether. 5. SET THE RIGHT PRICE No seller wants to leave money on the table, but the strategy of setting an unrealistically high price with the idea you can come down later doesn’t work in real estate. Buyers and their agents have access to more information on comparable homes than ever, and they know what most homes are worth before viewing them. A home that is overpriced in the beginning tends to stay on the market longer, even after the price is cut, because buyers think there must be something wrong with it. 6. SPREAD THE WORD Your neighbors are often the best salespeople for your home because they love the neighborhood. Make sure they know your home is for sale and are invited to your open house. Also share your listing on social media and ensure your real estate agent does the same. Share the news on neighborhood e-mail lists, Facebook groups and other social media outlets. Collaborate with your real estate agent to promote your home’s listing information throughout multiple accounts.
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JAPANDI
ONE OF THIS YEAR’S HOTTEST DECORATING STYLES
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he newest trend in home decorating is the Japandi style. Japandi is a harmonious fusion of the rustic natural charm of Scandinavian design and the traditional elegance of Japanese décor. It blends the Scandi hygge principles of creating rustic, cozy, warm spaces that foster togetherness with the Japanese “wabi-sabi” aesthetic which is rooted in appreciating the imperfections inherent in natural materials. Both Scandinavian and Japanese furniture feature clean lines and functionality. The beauty of the blending lies in the lighter colors of the Scandinavian style contrasted with the darker shades and more elegant shapes of the Japanese style. Japandi typically uses muted color palettes with subtle pops of color used sparingly and judiciously. Traditionally both Nordic and Japanese styles feature limited accessories, as they both emphasize functionality. With Japandi, a few well- chosen statement accessories using natural elements, such as plants on a stone pedestal, will give your space the perfect finishing touch. Some of the key elements of Japandi are the use of different stained colored woods, natural materials like stone, living finish metals and bamboo, combined with simple low-profile furnishings. The natural beauty, comfort and sustainability of the style ensures its popularity will continue to grow and will bring lovely warmth to your home for years to come.
Club Member Magazine
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Secret Charter Destinations
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The Bahamas
he Bahamas are a staple on the charter yacht scene, but -wait? We’re talking about summer charters and the Bahamas are only good for winter charters, right?
Wrong. Not only are the Bahamas absolutely delightful in the summer, they’re also close enough to use for a long weekend getaway. Even better, the tourists are going elsewhere so you’ll find the streets quiet, restaurants with empty tables, and quiet anchorages. While there are a multitude of cruising destinations from Nassau, you might want to think outside the box and meet your charter yacht at one of the outer islands. You can make the hop in a small aircraft and spend all the saved hours snorkeling. Smaller yachts have the shallow draft needed to explore areas like the Abacos and you can find an ever-growing charter fleet of 70 to 90 footers that are now based in the Bahamas year-round rather than making the usual trek north to New England in the summer.
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Tips: If you’re in the Abacos, take a business card to stick on the wall of Miss Emily’s Blue Bee Bar on Green Turtle Cay. For great diving, don’t miss Exuma Cays Land and Sea Park off Staniel Cay.
Secret Charter Destinations
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Monaco Historic Grand Prix
ome destinations are actually events, like Lotus, Tyrell and Maserati may bring back the Monaco Grand Prix. But unless you’re a memories. Since there was a Monaco Grand Prix Grand Prix insider, a celebrity well known for sports cars in 1952, there’s also a class for cars in Europe or you have impeccable contacts, it’s like C-type Jags and Talbot Lagos. tough to get one of the coveted (and expensive) Tip: If you stay ashore, ask for a harbor view at The moorings overlooking the track. Hermitage and you may get a room in which scenes The fun of having a yacht at the Monaco Grand from the classic movie, Grand Prix, were filmed. Prix is being able to Med-moor and watch the cars howl past just off your stern while you sip Krug Clos du Mesnil and nibble Tsar Imperial caviar, so finding yourself stuck out at anchor in mid-harbor is going to be disappointing. Here’s an insider’s tip for the best race-watching ever: Go a week early. The Monaco Historic Grand Prix is held every two years on the weekend before the Formula One Grand Prix and if you go then you will have more fun for several reasons. First, the older cars are more open, so you can actually see the driver in the cockpit wrestling the wheel on the narrow streets. Second, it’s more relaxed so you can get closer to the pits. Most important, it is much easier (and less expensive) to get a prime mooring. If you are of a certain age, the names Connaught,
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Travel & Leisure
LPGA TOUR SCHEDULE JAN 20-23
Hilton Grand Vacations Tournament of Champions Orlando, FL
JAN 27-30
Gainbridge LPGA at Boca Rio Boca Raton, FL
FEB 4-6 OR 11-13 MAR 3-6
HSBC Women’s World Championship Singapore Honda LPGA Thailand Chonburi, Thailand
MAR 24-27
JTBC Classic presented by Barbasol Carlsbad, CA The Chevron Championship Rancho Mirage, CA
APR 13-16
LOTTA Championship TBA in HI
APR 21-24
JTBC LA Open Los Angeles, CA
APR 28-MAY 1
JTBC Championship at Palos Verdes Palos Verdes Estates, CA
MAY 12-15
Cognizant Founders Cup TBA in NJ
MAY 25-29
Bank of Hope LPGA Match-Play Hosted by Shadow Creek Las Vegas, NV
JUN 2-5
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LPGA Drive On Championship TBA in FL
MAR 10-13
MAR 31-APR 3
2022
U.S. Women’s Open Southern Pines, NC
JUN 10-12
ShopRite LPGA Classic presented by Acer Galloway, NJ
JUN 16-19
Meijer LPGA Classic for Simply Give Grand Rapids, MI
JUN 23-26
KPMG Women’s PGA Championship Bethesda, MD
JUL 13-16
Dow Great Lakes Bay Invitational Midland, MI
Club Member Magazine
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LPGA TOUR SCHEDULE JUL 21-14
Amundi Evian Championship Evian-les-Bains, France
JUL 28-31
Trust Golf Women’s Scottish Open Ayrshire, Scotland
AUG 4-7
ISPS Handa World Invitational Antrim, Northern Ireland
AUG 25-28
CP Women’s Open Ontario, Canada
SEP 8-11
Dana Open presented by Marathon Sylvania, OH Kroger Queen City Championship presented by P&G Cincinnati, OH
SEP 15-18
Portland Classic TBA in OR
SEP 23-25
Walmart NW Arkansas Championship presented by P&G Rogers, AR
SEP 29-OCT 2 OCT 6-9
Volunteers of America Classic The Colony, TX LPGA MEDIHEAL Championship Somis, CA
OCT 13-16
Buick LPGA Shanghai Shanghai, People’s Republic of China
OCT 20-23
BMW Ladies Championship TBA in Korea
OCT 27-30
Taiwan Swinging Skirts LPGA New Taipei City, Chinese Taipei
NOV 3-6
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AIG Women’s Open East Lothian, Scotland
AUG 11-14
SEP 1-4
2022
TOTO Japan Classic Shiga, Japan
NOV 10-13
Pelican Women’s Championship Belleair, FL
NOV 17-20
CME Group Tour Championship Naples, FL
Club Member Magazine
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Five Benefits of Yoga That Are Supported By Science
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erived from the Sanskrit work “Yuji”, meaning yoke or union, yoga is an ancient practice that brings together mind and body. It incorporates breathing exercises, meditation and poses designed to encourage relaxation and reduce stress. Practicing yoga is said to come with many benefits for both mental and physical health, though not all of these benefits have been backed by science. Here are five evidencebased benefits.
1. CAN DECREASE STRESS: Yoga is known for its ability to ease stress and promote relaxation. In fact, multiple studies have shown that it can decrease the secretion of cortisol, the primary stress hormone. One study demonstrated the powerful effect of yoga on stress by following 24 women who perceived themselves as emotionally distressed. After a three month yoga program, the women had significantly lower levels of cortisol. They also had lower levels of stress, anxiety, fatigue and depression. Another study of 131 people had similar results, showing that 10 weeks of yoga helped reduce stress and anxiety. It also helped improve quality of life and mental health. When used alone or along with other methods of alleviating stress, such as meditation, yoga can be a powerful way to keep stress in check. 2. MAY REDUCE INFLAMMATION: In addition to improving your mental health, some studies suggest that practicing yoga may
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reduce inflammation as well. Inflammation is a normal immune response, but chronic inflammation can contribute to the development of pro-inflammatory diseases, such as heart disease, diabetes and cancer. A
2015 study divided 218 participants into two groups, those who practiced yoga regularly and those who didn’t. Similarly, a small 2014 study showed that 12 weeks of yoga reduced inflammatory markers in breast cancer survivors with persistent fatigue. Although more research is needed to confirm the beneficial efforts of yoga on inflammation, these findings indicate that it may help protect against certain diseases caused by chronic inflammation.
of the major contributors to heart disease. 4. COULD REDUCE CHRONIC PAIN:
Chronic pain is a persistent problem that affects millions of people and has a range of possible causes, from injuries to arthritis. There is a growing body of research demonstrating that practicing yoga could help reduce many types of chronic pain. In one study, 42 individuals with carpal tunnel syndrome either received a wrist splint or did yoga for eight weeks. At the end of the study, yoga was found to be 3. COULD IMPROVE HEART HEALTH: more effective in reducing pain and improving From pumping blood throughout the body to grip strength than wrist splinting. Another supplying tissues with important nutrients, study in 2005 showed that yoga could help the health of your heart is an essential decrease pain and improve physical function component of overall health. Studies show in participants with osteoarthritis of the knees. that yoga may improve heart health and 5. CAN INCREASE STRENGTH: reduce several risk factors for heart disease. In addition to improving flexibility, yoga is One study found that participants over 40 a great addition to an exercise routine for its years of age who practiced yoga for five years strength-building benefits. In fact, there are had a lower blood pressure and pulse rate specific poses in yoga that are designed to than those who didn’t. High blood pressure increase strength and build muscle. In one is one of the major causes of heart problems, study, 70 adults performed 24 cycles of sun such as heart attacks and stroke. Lowering salutations – a series of foundational poses your blood pressure can help reduce the often used as a warm-up – six days a week risk of these problems. Some research also for 24 weeks. They experienced a significant suggests that incorporating yoga into a healthy increase in upper body strength, endurance lifestyle could help slow the progression of and weight loss. Women had a decrease heart disease. One study followed 113 patients in body fat percentage as well. A 2015 study with heart disease, looking at the effects of a had similar findings, showing that 12 weeks lifestyle change that included one year of yoga of practice led to improvement in endurance, training combined with dietary modifications strength and flexibility in 173 participants. and stress management. Participants saw Based on these findings, practicing yoga a 23% decrease in total cholesterol and a can be an effective way to boost strength 26% reduction in “bad” LDL cholesterol. and endurance, especially when used in Additionally the progression of heart disease conjunction with regular exercise. stopped in 47% of patients. It’s unclear how much of a role yoga may have had versus other factors like diet. Yet it can minimize stress, one
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ATP TOUR SCHEDULE JANUARY
FEBRUARY
MARCH
APRIL
MAY
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2022
Tips For Stock Market Investing Set Long-Term Goals Why are you considering investing in the stock market? Will you need your cash back in six months, a year, five years or longer? Are you saving for retirement, for future college expenses, to purchase a home, or to build an estate to leave to your beneficiaries? Before investing, you should know your purpose and the likely time in the future you may have need of the funds. If you are likely to need your investment returned within a few years, consider another investment; the stock market with its volatility provides no certainty that all of your capital will be available when you need it. By knowing how much capital you will need and the future point in time when you will need it, you can calculate how much you should invest and what kind of return on your investment will be needed to produce the desired result. Remember that the growth of your portfolio depends upon three interdependent factors: The capital you invest, the amount of net earnings on your capital, the number of years or period of your investment. Ideally, you should start saving as soon as possible, save as much as you can, and receive the highest return possible consistent with your risk philosophy. Understand Your Risk Tolerance Risk tolerance is a psychological trait that is genetically based, but positively influenced by education, income and wealth (as these increase, risk tolerance appears to increase slightly) and negatively by age (as one gets older, risk tolerance decreases). Your risk tolerance is how you feel about risk and the degree of anxiety you feel when risk is present. In psychological terms, risk tolerance is defined as “the extent to which a person chooses to risk experiencing a less favorable outcome in the pursuit of a more favorable outcome.” In other words, would you risk $100 to win $1,000? Or $1,000 to win $1,000? All humans vary in their risk tolerance, and there is no “right” balance. Risk tolerance is also affected by one’s perception of the risk. For example, flying in an airplane or riding in a car would have been perceived as very risky in the early 1900s, but less so today as flight and automobile travel are common occurrences. Conversely, most people would feel that riding a horse might dangerous with a good chance of falling or being bucked off because few people are around horses. The idea of perception is important, especially in investing. As you gain more knowledge about investments – for example, how stocks are bought and sold, how much volatility (price change) is usually present, and the difficulty or ease of liquidating an investment – you are likely to consider stock investments to have less risk than you thought before making your first purchase. As a consequence, your anxiety when investing is less intense, even though your risk tolerance remains unchanged because your perception of the risk has evolved. By understanding your risk tolerance, you can avoid those investments which are likely to make you anxious. Generally speaking, you should never own an asset which keeps you from sleeping in the night. During periods of financial uncertainty, the investor who can retain a cool head and follows an analytical decision process invariably comes out ahead.
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Club Member Magazine
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CHAMPIONS TOUR SCHEDULE JAN 20-23 Mitsubishi Electric
Championship at Hualalai Ka’upulehu-Kona, HI FEB 18-20 Chubb Classic
Naples, FL FEB 25-27 Cologuard Classic
Tucson, AZ MAR 3-6 Hoag Classic
Newport Beach, CA MAR 18-20 Trophy Hassan II
Rabat, Morocco APR 1-3 Rapiscan Systems Classic
Biloxi, MS APR 22-24 ClubCorp Classic
Irving, TX APR 29-MAY 1 Insperity Invitational
The Woodlands, TX MAY 6-8 Mitsubishi Electric Classic
Duluth, GA MAY 12-15 Regions Tradition
Birmingham, AL MAY 26-29 KitchenAid Senior PGA
Championship Benton Harbor, MI JUN 3-5 Principal Charity Classic
Des Moines, IA JUN 10-12 American Family Insurance
Championship Madison, WI JUN 23-26 U.S. Senior Open
Championship Bethlehem, PA JUL 7-10 Bridgestone SENIOR PLAYERS
Championship Akron, OH
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2022
JUL 21-24 The Senior Open Championship
presented by Rolex Bethesda, MD AUG 5-7 Shaw Charity Classic
Calgary, AB, Canada AUG 12-14 Boeing Classic
Snoqualmie, WA AUG 19-21 DICK’S Sporting Goods Open
Endicott, NY AUG 26-28 The Ally Challenge
Grand Blanc, MI SEP 9-11 Ascension Charity Classic
St. Louis, MO SEP 16-18 Sanford International
Sioux Falls, SD SEP 23-25 PURE Insurance Championship
Monterey Peninsula, CA OCT 7-9 Constellation FURYK & FRIENDS
Jacksonville, FL OCT 14-16 SAS Championship
Cary, NC OCT 21-23 Dominion Energy Charity Classic
Richmond, VA NOV 4-6 TimberTech Championship
Boca Raton, FL NOV 10-13 Charles Schwab Cup
Championship Phoenix, AZ DEC 4-9 2023 PGA TOUR Champions
Qualifying Tournament-Final Stage Scottsdale, AZ DEC 16-18 PNC Championship
Orlando, FL
Anti-Aging Hello Hydration.................................................................... 9
Wedding Photography Nicholas Sanders Photography......................................... BIC
Event Planning Alexa Kay Events................................................................. 11
Wedding Planning Alexa Kay Events................................................................. 11
Family Portraits Haynsworth Photography.................................................. 11
Weddings & Events Lydia Luxe Beauty............................................................... 25
Furniture Retail ZBR Design........................................................................ BIC Home Health Care Mountain..................................................................... 5 Interior Design ZBR Design........................................................................ BIC IV Hydration Hello Hydration.................................................................... 9 Life Coach E&R Life Coaching.............................................................. 27 Luxury Properties Briggs Freeman Sotheby’s International Realty Staci Alexander Lyon................................................. 7 & BOC Compass Real Estate Gianna Cerullo................................................................... 13 Luxury, Family, and Group Travel Joy Ride Travel, Inc.............................................................. 31 Makeup Artist Lydia Luxe Beauty............................................................... 25 Mobile Detailing Hughes AutoSpa................................................................ 33 Personal Care Care Mountain..................................................................... 5 Residential Real Estate Briggs Freeman Sotheby’s International Realty Staci Alexander Lyon................................................. 7 & BOC Compass Real Estate Gianna Cerullo................................................................... 13 Senior Portraits Nicholas Sanders Photography......................................... BIC Travel Agent Joy Ride Travel, Inc.............................................................. 31 Tree Removal Lorenzo’s Tree Services......................................................... 3 Tree Services Lorenzo’s Tree Services......................................................... 3
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