10 minute read
Accessory Trends9
from Tucson AZ
2022 GRAND SLAM TOURNAMENT SCHEDULE * Schedule subject to change
Session Date Time Featured Matches
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1 Mon, January 17, 2022 11:00 AM Men's and Women's 1st Round 2 Mon, January 17, 2022 7:00 PM Men's and Women's 1st Round 3 Tue, January 18, 2022 11:00 AM Men's and Women's 1st Round 4 Tue, January 18, 2022 7:00 PM Men's and Women's 1st Round 5 Wed, January 19, 2022 11:00 AM Men's and Women's 2nd Round 6 Wed, January 19, 2022 7:00 PM Men's and Women's 2nd Round 7 Thu, January 20, 2022 11:00 AM Men's and Women's 2nd Round 8 Thu, January 20, 2022 7:00 PM Men's and Women's 2nd Round 9 Fri, January 21, 2022 11:00 AM Men's and Women's 3rd Round 10 Fri, January 21, 2022 7:00 PM Men's and Women's 3rd Round 11 Sat, January 22, 2022 11:00 AM Men's and Women's 3rd Round 12 Sat, January 22, 2022 7:00 PM Men's and Women's 3rd Round 13 Sun, January 23, 2022 11:00 AM Men's and Women's 4th Round 14 Sun, January 23, 2022 7:00 PM Men's and Women's 4th Round 15 Mon, January 24, 2022 11:00 AM Men's and Women's 4th Round 16 Mon, January 24, 2022 7:00 PM Men's and Women's 4th Round 17 Tue, January 25, 2022 11:00 AM Men's and Women's Quarterfi nals 18 Tue, January 25, 2022 7:00 PM Men's and Women's Quarterfi nals 19 Wed, January 26, 2022 11:00 AM Men's and Women's Quarterfi nals 20 Wed, January 26, 2022 7:30 PM Men's and Women's Quarterfi nals 21 Thu, January 27, 2022 11:00 AM Women's Semifi nals 22 Thu, January 27, 2022 7:30 PM Men's Semifi nal
23 Fri, January 28, 2022 3:00 PM
Mixed Doubles Semi / Women's Doubles Final / Men's Singles SemiFinal 24 Sat, January 29, 2022 4:00 PM Men's Doubles Final / Women's Singles Final 25 Sun, January 30, 2022 4:00 PM Mixed Doubles Final / Men's Singles Final
2022 GRAND SLAM TOURNAMENT SCHEDULE * Schedule subject to change
DATE PLAY START SESSION
Mon, Jun 27 11:00 AM Men's & Ladies' 1st Round Tues, Jun 28 11:00 AM Men's & Ladies' 1st Round Wed, Jun 29 11:00 AM Men's & Ladies' 2nd Round Thurs, Jun 30 11:00 AM Men's & Ladies' 2nd Round Fri, July 01 11:00 AM Men's & Ladies' 3rd Round Sat, July 02 11:00 AM Men's & Ladies' 3rd Round Sun, July 03 11:00 AM Men's & Ladies' 4th Round Mon, July 04 11:00 AM Men's & Ladies' 4th Round Tues, July 05 11:00 AM Ladies' Singles Quarterfi nals Wed, July 06 11:00 AM Men's Singles Quarterfi nals Thurs, July 07 1:00 PM Ladies' Singles Semifi nals Fri, July 08 1:00 PM Men's Singles Semifi nals
Sat, July 09 2:00 PM Ladies' Singles Final, Men's Doubles Final, Ladies' Doubles Final
Sun, July 10 2:00 PM Men's Singles Final, Mixed Doubles Final
Identity theft is when someone uses your personal or financial information without your permission. They might steal your name and address, credit card or bank account numbers, Social Security number or medical insurance account numbers. The information could then be used to make purchases, get new cards in your name, open a phone, electricity, or gas account, or even steal your tax refund or medical benefits
No one wants to be the subject of identity theft. If it happens to you, there are steps you can take, and the government is there to help at Identitytheft.com.
The important thing is to take all the necessary steps to prevent it.
Keep your financial records, Social Security and Medicare cards and any other documents that have personal information in a secure place. If getting rid of them, be sure to shred them.
Do not give out your Social Security number other than to the IRS, your bank, and your employer without asking why they need it. If they have a valid reason, try offering just the last 4 digits.
If you are logging in to an online account, use a strong password.
Do not give your personal information to someone who calls, emails, or texts you. They could be a scammer trying to steal your information.
In addition to taking steps to protect your information, there are things to do to detect identity theft.
Track what bills you owe and when they are due. If you stop getting a bill, that could be a sign someone changed your address or other information
Review your bills for charges that don’t belong to you
Check your bank account for withdrawals not made by you
Get and review your credit reports, as accounts you don’t recognize could be a sign of identity theft. Many companies sell identity theft protection services that may include credit monitoring, identity monitoring, identity recovery services, and identity theft insurance. These services may be offered by your bank or credit union, credit card provider, employer’s benefits program, or insurance company. Also, there are credit monitoring services like Equifax, Experian, and TransUnion that offer these services as well.
Identity monitoring services may notify you of a change of address request, court or arrest records, orders for new utility, cable or wire services, application for a payday loan, information on websites that sell stolen identity information.
Most will not notify you if someone uses your information to file a tax return and collect your refund, get Medicare benefits, get Medicaid benefits, get welfare benefits, claim Social Security benefits, or even claim unemployment benefits.
If you discover that someone is misusing your personal information visit:
www.IdentItytheft.gov
Courtesy of Federal Trade Commission
DO YOU HAVE AN UP-TO-DATE
ESTATE PLAN?
The first thing to understand is that writing a will and having an estate plan are actually two different processes, even though an estate plan will include a will.
Wills
Creating a will can be a fairly simple process. It will address who will take care of your children, who will take over your business, and who receives your assets and other personal property. A will requires the naming of an executor responsible for fulfilling the deceased’s wishes. Having one’s wishes defined in a will ensures privacy, helps avoid family disputes and saves money by avoiding probate and the expense of attorneys and public trustees to determine the distribution of assets which then becomes public information.
EstatE Planning
Estate planning is the process of designating who will manage and distribute assets after death or incapacitation. It is a more intensive process and includes a variety of documents including the last will and testament. While it may be overwhelming to contemplate, a well-designed estate plan will ensure that assets are distributed according to one’s wishes. In addition to the last
will and testament, an estate plan might include a living will, a financial power of attorney, a living trust, and beneficiary designations. An estate plan can be particularly helpful in the case of multiple marriages, business ownership, specific charitable donations, or specific requests for health or property. It can also ensure wishes are carried out and that assets are distributed as designated.
living Will
A living will is a document that describes the type of care one would want if incapacitated and cannot speak for themself. This can assist the family with difficult decisions and avoid confusion. A financial power of attorney allows for a designated appointee to handle financial affairs in the event of incapacitation. They can make financial decisions in accordance with the instructions defined in the estate plan.
living trust
A living trust is a document created during one’s life where a designated person, the trustee, is given responsibility for managing that individual’s assets for the benefit of the eventual beneficiary. It is designed to allow for the easy transfer of assets, thereby avoiding probate. A living revocable trust allows someone to be their own trustee and allows for changes in beneficiary at any time. An irrevocable living trust is restrictive, and beneficiaries may not be changed but there are certain beneficial tax consequences.
Beneficiary designations explain who receives which assets such as an IRA, insurance policy, savings account, or other financial instruments.
A well-executed estate plan can minimize gift, estate and generation skipping transfer taxes to ensure that the family receives as much of the deceased’s estate as possible. Everyone’s plan is different and requires the right team of professionals to implement. It is also important to update the plan regularly as personal circumstances, legislation, and tax laws change frequently.
This article is for informational purposes only. Please consult a professional.
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• EARN NEW CLIENTS
• GROW YOUR BUSINESS
Trends forACCESSORY
After staying in the house, wearing sweats and other assorted quarantine gear, it is time for a change. Many are now finally ready to dress up, even while still wearing masks and social distancing.
Break out all of those accessories that piled up from months of online shopping. Nobody will judge if you overaccessorize.
The new year brings changing trends in jewelry, both traditional and avant-garde. Pearls have always been in, but we are now seeing more of the freshwater variety. They have a more contemporary look. From pearl drop earrings to layered necklaces that mix
pearls with other materials, pearls work for all occasions. There are also personalized extra-long pendant necklaces and charm bracelets. Colorful beads are always a hit, whether worn as earrings, necklaces, or bracelets. Chain link necklaces and bracelets with attached charms are also hot at the moment. And feel free to stack rings on a couple fingers while you’re at it!
A brand new trend is mismatched earrings or simply wearing one dramatic shoulder grazing earring. Of course two shoulder length earrings also work. Mixing and matching different textures is also very popular. Instead of smooth gold hoops, go for a textured pair in silver; silver has made a huge comeback.
Several top designers have moved towards mini handbags recently, often on long chains. They can even be worn as a necklace. And of course, let’s not forget about diamonds. They remain at the top of the food chain. Just ask Marilyn Monroe -“Diamonds Are A Girl’s Best Friend”.
Hair ornaments of all sizes
can make a powerful fashion statement. There are a multitude of choices from traditional headbands to pearl hairpins or hair clips, barrettes, and even scrunchies. They come in a variety of fabrics from velvet to fur to leather. Most popular are headbands embellished with pearls, rhinestones or feathers. You’ll always look chic with a headband!
Regardless of individual style, all can agree – now is the time to shine!
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HOSPICE Casa de le Luz Hospice.............................................................................................................11
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MEMORY CARE Brookdale Senior Living .............................................................................................................1
MORTGAGES Altitude Home Loans........................................................................................ Front Cover, 16-17
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REAL ESTATE John Hallcock- Coldwell Banker Realty...................................................................................25
REMODELING SPECIALISTS Holland Construction LLC ..........................................................................................................9
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SUBSTANCE ABUSE TREATMENT Turn Your Life Around................................................................................................................9
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• EARN NEW CLIENTS
• GROW YOUR BUSINESS
