In life there are constant changes, so too in the world of interior design. Trends are always shifting. The themes for 2023 seem to be: Sustainable living and health & wellness designs. There has been a move away from minimalism to individualism which has created more personalized and decorative styles. In this new, post-Covid world, there have been many changes to the way we live, both inside and outside of the home. Many of us spend much more time in the house, so people have adjusted their priorities in the way the home is used.
With a new focus on wellness and healthy living, more attention is paid to comfort and overall well-being.
Kitchens are central to this new lifestyle and the open kitchen is an important aspect of this new trend. Most desirable are large islands that seat the family comfortably and provide lots of workspace. Upper and lower cabinets of different colors are in fashion as are stainless steel cabinetry and fixtures. To update a kitchen, a coat of paint can completely change the feel and be extremely cost effective. Lighting is also a key component, particularly if natural light is not available. A growing number of homeowners are installing led lights underneath their cabinets to illuminate the kitchen counter top.
With so many people still working at home, a designated office is often a necessity and needs to be incorporated into the design of your home. First of all, it should be comfortable and functional. It is desirable to have natural light and natural materials wherever possible. Try colors that are inspired by nature for a calming environment. For a more dramatic approach, an interesting background wall color can be useful for
all of your zoom meetings.
Furnishings will feel more organic with the use of cotton, wool, and velvet fabrics. Of course fabric decisions can depend on the location within the home; it’s recommended that the home match its natural environment. There is still a movement toward coordinating the indoor and outdoor environments. Arches and architectural details are in as are soft edges, curved sofas, and personal pieces.
Multi-function rooms that cater to entertainment and exercise are in vogue. More people will want media rooms for movies and games as well as gyms and saunas.
Mud rooms and laundry rooms are no longer just utilitarian spaces. Today, homeowners want these spaces to coordinate with the rest of the home. Sometimes they even want to accommodate a pet with a special tub. Think about maximizing natural light throughout your home. Big open
The focus of home design in 2023 is a calm, comfortable environment in harmony with nature that incorporates work, entertainment and relaxation spaces.
windows which bring in natural light can improve mood, focus and sleep patterns which will improve one’s health.
It looks like 2023 may bring with it the end of the white wall trend. Currently, designers are reporting
clients wanting jewel tones in blues, greens and even rust, which creates a cozier environment. This is part of the eco-friendly trend of the last few years which incorporates elements of nature. Gold will also be popular as an accent color.
Many people have always had Africa on their bucket list. But Africa is a big continent, the size of three United States with mountains, deserts, forests, villages and urban meccas. So where do you go? When do you go? What is there to do?
Actually I prefer to say where do you start -- because you will be back!
Most travelers go to Africa for the wildlife, but what else can you do? As a company owner who creates custom safaris for our clients, I have catered to stargazers, fishermen, photographers, birders, climbers, music lovers, divers, kayakers and golfers. You can climb Mt. Kilimajaro, track gorillas, fly on a hot air balloon, go wine or coffee tasting, have culinary experiences and classes, enjoy cultural experiences, dive into the history of the continent or visit Victoria Falls – the possibilities are endless!
You can’t see everything in one safari. If wildlife is what you want, then Eastern and Southern Africa are your two best bets, and 1 to 2 countries are enough for a great 2 week trip. If you want to see the Great Wildebeest Migration, then you are going to Kenya or Tanzania. Want to climb Mt. Kilimanjaro? Then it is off to Tanzania. Gorillas? Then it’s Rwanda or Uganda. Visiting majestic Victoria Falls calls for a trip to Zambia or Zimbabwe. Botswana has incredible game areas and the amazing Okavango Delta. Want to see where the desert meets the ocean? Then choose Namibia (and visit the Cheetah Conservation Fund where I am on the board of directors). Unspoiled beaches can be found in Zanzibar or Mozambique. Great food and wine? A round of golf? South Africa is your destination.
One of the most common questions is when to go. An easier way is to look at it is the best time not to go. March/ April and November is typically rainy in Eastern Africa, but the weather is wonderful in Southern Africa. In Southern Africa the DecemberFebruary period can be uncomfortably hot as it is summer there when it is winter in the U.S. Though there is wildlife all year long May- October is a great time to visit the Southern African countries of Botswana, Namibia, Zambia, Zimbabwe and South Africa.
The answer to this final question would fill a book. Africa is truly like nowhere else on this planet. Where else can you go and see elephants walk by as you are having breakfast, a pride of Lions with their cubs, a leopard lounging in a tree, gorillas interact with their children, herds of wildebeest spread out over the plains of the Serengeti or a cheetah running faster than a car to catch a gazelle? But more important than wildlife and beautiful views are the people of Africa. They are warm, friendly helpful and always proud to share their culture with you.
Everybody
says they someday want to go to Africa. Well… “Someday” Is Now! ®
* Schedule subject to change
SEP 15 - 18, 2022
SEP 22 - 25, 2022
SEP 29 - OCT 2, 2022
OCT 6 - 9, 2022
OCT 13 - 16, 2022
OCT 20 - 23, 2022
OCT 27 - 30, 2022
NOV 3 - 6, 2022
NOV 10 - 13, 2022
NOV 17 - 20, 2022
DEC 1 - 4, 2022
DEC 9 - 11, 2022
JAN 5 - 8, 2023
JAN 12 - 15, 2023
JAN 19 - 22, 2023
JAN 25 - 28, 2023
FEB 2 - 5, 2023
FEB 9 - 12, 2023
FEB 16 - 19, 2023
FEB 23 - 26, 2023
MAR 2 - 5, 2023
MAR 2 - 5, 2023
MAR 9 - 12, 2023
MAR 16 - 19, 2023
MAR 22 - 26, 2023
Fortinet Championship Silverado Resort and Spa (North Course), Napa, CA
Presidents Cup Quail Hollow Club, Charlotte, NC
Sanderson Farms Championship The Country Club of Jackson, Jackson, MS
Shriners Children’s Open
TPC Summerlin, Las Vegas, NV
ZOZO CHAMPIONSHIP
Accordia Golf Narashino Country Club, Chiba, JPN
THE CJ CUP in South Carolina
Congaree Golf Club, Ridgeland, SC
Butterfield Bermuda Championship
Port Royal Golf Course, Southampton, BER
World Wide Technology Championship at Mayakoba
El Camaleón Golf Course at Mayakoba, Riviera Maya, MEX
Cadence Bank Houston Open
Memorial Park Golf Course, Houston, TX
The RSM Classic Sea Island Golf Club (Seaside Course), St. Simons Island, GA
Hero World Challenge Albany, New Providence, BAH
QBE Shootout Qu Tiburón Golf Course, Naples, FL
Sentry Tournament of Champions
Plantation Course at Kapalua, Kapalua, Maui, HI
Sony Open in Hawaii Qu Waialae Country Club, Honolulu, HI
The American Express
Pete Dye Stadium Course, La Quinta, CA
Farmers Insurance Open
Torrey Pines Golf Course (South Course), San Diego, CA
AT&T Pebble Beach Pro-Am Pebble Beach Golf Links, Pebble Beach, CA
WM Phoenix Open
TPC Scottsdale (Stadium Course), Scottsdale, AZ
The Genesis Invitational
The Riviera Country Club, Pacific Palisades, CA
The Honda Classic PGA National Resort (The Champion), Palm Beach Gardens, FL
Puerto Rico Open Grand Reserve Golf Club, Rio Grande, PUR
Arnold Palmer Invitational presented by Mastercard Arnold Palmer’s Bay Hill Club & Lodge, Orlando, FL
THE PLAYERS Championship
The Country Club of Jackson, Jackson, MS
Valspar Championship Innisbrook Resort (Copperhead Course), Palm Harbor, FL
World Golf Championships-Dell Technologies Match Play Austin Country Club, Austin, TX
Max Homa $1,260,000
Sam Burns $1,260,000
Sungjae Im $1,260,000
Hideki Matsuyama $1,791,000
Rory McIlroy $1,755,000
Lucas Herbert $1,170,000
Viktor Hovland $1,296,000
Jason Kokrak $1,350,000
Talor Gooch $1,296,000
Viktor Hovland $1,000,000
Kevin Na, Jason Kokrak $447,500
Cameron Smith $1,476,000
Hideki Matsuyama $1,350,000
Hudson Swafford $1,368,000
Luke List $1,512,000
Tom Hoge $1,566,000
Scottie Scheffler $1,476,000
Joaquin Niemann $2,160,000
Sepp Straka $1,440,000
Ryan Brehm $666,000
Scottie Scheffler $2,160,000
Cameron Smith $3,600,000
Sam Burns $1,404,000
Scottie Scheffler $2,100,000
* Schedule subject to change
MAR 23 - 26, 2023
MAR 30 - APR 2, 2023
APR 6 - 9, 2023
APR 13 - 16, 2023
APR 20 - 23, 2023
APR 27 - 30, 2023
MAY 4 - 7, 2023
MAY 11 - 14, 2023
MAY 18 - 21, 2023
MAY 25 - 28, 2023
JUN 1 - 4, 2023
JUN 8 - 11, 2023
JUN 15 - 18, 2023
JUN 22 - 25, 2023
JUN 29 - JUL 2, 2023
JUL 6 - 9, 2023
JUL 13 - 16, 2023
JUL 13 - 16, 2023
JUL 20 - 23, 2023
JUL 20 - 23, 2023
JUL 27 - 30, 2023
AUG 3 - 6, 2023
AUG 10 - 13, 2023
AUG 17 - 20, 2023
AUG 24 - 27, 2023
Corales Puntacana Championship
Puntacana Resort & Club (Corales Golf Course), Punta Cana, DOM
Valero Texas Open
TPC San Antonio (Oaks Course), San Antonio, TX
Masters Tournament
Augusta National Golf Club, Augusta, GA
RBC Heritage Harbour Town Golf Links, Hilton Head Island, SC
Zurich Classic of New Orleans
Harbour Town Golf Links, Hilton Head Island, SC
Mexico Open at Vidanta
Vidanta Vallarta, Vallarta, MEX
Wells Fargo Championship
Quail Hollow Club, Charlotte, NC
AT&T Byron Nelson
TPC Craig Ranch, McKinney, TX
PGA Championship
Q Oak HIll Country Club, Rochester, NY
Charles Schwab Challenge
Colonial Country Club, Fort Worth, TX
The Memorial Tournament presented by Workday Muirfield Village Golf Club, Dublin, OH
RBC Canadian Open Oakdale Golf & Country Club, Toronto, Ontario, CAN
U.S. Open
The Los Angeles Country Club (North Course), Los Angeles, CA
Travelers Championship TPC River Highlands, Cromwell, CT
Rocket Mortgage Classic. Detroit Golf Club, Detroit, MI
John Deere Classic PC Deere Run, Silvis, IL
Barbasol Championship Keene Trace Golf Club (Champions Course), Nicholasville, KY
Genesis Scottish Open
The Renaissance Club, North Berwick, SCO
Barracuda Championship
Tahoe Mountain Club (Old Greenwood), Truckee, CA
The Open Championship Royal Liverpool, Hoylake, Wirral, ENG
3M Open TPC Twin Cities, Blaine, MN
Wyndham Championship Sedgefield Country Club, Greensboro, NC
FedEx St. Jude Championship TPC Southwind, Memphis, TN
BMW Championship Olympia Fields Country Club (North Course), Olympia Fields, IL
TOUR Championship East Lake Golf Club, Atlanta, GA
Chad Ramey $ 666,000
J.J. Spaun $1,548,000
Scottie Scheffler $2,700,000
Jordan Spieth $1,440,000
P. Cantlay/X. Schauffele $1,199,350
Jon Rahm $1,314,000
Max Homa $1,620,000
K.H. Lee $1,638,00
Justin Thomas $2,700,000
Sam Burns $1,512,000
Billy Horschel $2,160,000
Rory McIlroy $1,566,000
Matt Fitzpatrick $3,150,000
Xander Schauffele $1,494,000
Tony Finau $1,512,000
J.T. Posto $1,278,000
Trey Mullinax $666,000
Xander Schauffele $1,400,000
Chez Reavie $666,000
Cameron Smith $2,500,000
Tony Finau $1,350,000
Tom Kim $1,314,000
Will Zalatoris $2,700,000
Patrick Cantlay Patrick Cantlay
Rory McIlroy
* Schedule subject to change
** Purse subject to change
SEP 23-25, 2022
SEP 29 - OCT 2, 2022
OCT 6-9, 2022
Walmart NW Arkansas Championship presented by P&G Pinnacle Country Club, Rogers, Arkansas $2.3M
Volunteers of America Classic Old American G.C., The Colony, Texas $1.5M
LPGA MEDIHEAL Championship The Saticoy Club, Somis, California $1.8M
OCT 20-23, 2022 BMW Ladies Championship Korean location to be announced $2M
OCT 27-30, 2022
NOV 3-6, 2022
Taiwan Swinging Skirts LPGA Miramar G.C., New Taipei City, Chinese Taipei $2.2M
TOTO Japan Classic Seta Golf Course, Shiga, Japan $2M
NOV 10-13, 2022 Pelican Women's Championship Pelican G.C., Belleair, Florida $2M
NOV 17-20, 2022 CME Group Tour Championship Tiburon G.C., Naples, Florida $7M
JAN 20-23, 2023
Hilton Grand Vacations Tournament of Champions Lake Nona Golf and Country Club, Orlando, Florida $1.5M
JAN 27-30, 2023 Gainbridge LPGA at Boca Rio Boca Rio Golf Club, Boca Raton, Florida $2M
FEB 3-5, 2023
MAR 3-6, 2023
MAR 10-13, 2023
MAR 24-27, 2023
MAR 31-APR 3, 2023
APR 13-16, 2023
LPGA Drive On Championship Crown Colony Golf & Country Club, Fort Myers, Florida $1.5M
HSBC Women’s World Championship Sentosa Golf Club, Tanjong Course, Singapore $1.7M
Honda LPGA Thailand Siam Country Club, Pattaya Old Course, Chonburi, Thailand $1.6M
JTBC Classic presented by Barbasol Aviara Golf Club, Carlsbad, CA $1.5M
The Chevron Championship Mission Hills Country Club, Dinah Shore Tournament Course, Rancho Mirage, CA $5M
LOTTE Championship presented by Hoakalei Hoakalei Country Club, Ewa Beach, Oahu, HI $2M
APR 21-24, 2023 DIO Implant LA Open Wilshire Country Club, Los Angeles, CA $1.5M
APR 28- MAY 1, 2023
MAY 12-15, 2023
MAY 25-29, 2023
Palos Verdes Championship presented by Bank of America Palos Verdes Golf Club, Palos Verdes Estates, CA $1.5M
Cognizant Founders Cup Upper Montclair Country Club, Clifton, NJ $3M
Bank of Hope LPGA Match-Play presented by MGM Rewards Shadow Creek, Las Vegas, NV $1.5M
JUN 2-5, 2023 U.S. Women’s Open Presented by ProMedica Pine Needles Lodge and Golf Club, Southern Pines, NC $10M
JUN 10-12, 2023 ShopRite LPGA Classic Presented by Acer eaview, Bay Course, Galloway, NJ $1.75M
JUN 16-19, 2023
JUN 23-26, 2023
JUL 13-16, 2023
JUL 21-24, 2023
JUL 28-31, 2023
AUG 4-7, 2023
AUG 11-14, 2023
AUG 25-28, 2023
SEP 1-4, 2023
SEP 8-11, 2023
Meijer LPGA Classic for Simply Give Blythefield Country Club, Belmont, MI $2.5M
KPMG Women’s PGA Championship Congressional Country Club, Blue Course, Bethesda, MD $9M
Dow Great Lakes Bay Invitational Midland Country Club, Midland, MI $2.5M
The Amundi Evian Championship Evian Resort Golf Club, Evian-les-Bains, France $6.5M
Trust Golf Women’s Scottish Open Dundonald Links, Ayrshire, Scotland $2M
AIG Women’s Open Muirfield, East Lothian, Scotland $7.3M
ISPS Handa World Invitational presented by AVIV Clinics Galgorm Castle Golf Club / Massereene Golf Club, Antrim, Northern Ireland $1.5M
CP Women’s Open Ottawa Hunt and Golf Club, Ottawa, Canada $2.35M
Dana Open presented by Marathon Highland Meadows Golf Club, Sylvania, OH $1.75M
Kroger Queen City Championship presented by P&G Kenwood Country Club, Kendale Course, Cincinnati, OH $1.75M
* Schedule subject to change
** Start Times Listed in EST
1 Mon, 28 Aug Day 11.00am Men’s / Women’s 1st Round
2 Mon, 28 Aug Night 7.00pm Men’s / Women’s 1st Round
3 Tue, 29 Aug Day 11.00am Men’s / Women’s 1st Round
4 Tue, 29 Aug Night 7.00pm Men’s / Women’s 1st Round
5 Wed, 30 Aug Day 11.00am Men’s / Women’s 2nd Round
6 Wed, 30 Aug Night 7.00pm Men’s / Women’s 2nd Round
7 Thu, 31 Aug Day 11.00am Men’s / Women’s 2nd Round
8 Thu, 31 Aug Night 7.00pm Men’s / Women’s 2nd Round
9 Fri, 1 Sep Day 11.00am Men’s / Women’s 3rd Round
10 Fri, 1 Sep Night 7.00pm Men’s / Women’s 3rd Round
11 Sat, 2 Sep Day 11.00am Men’s / Women’s 3rd Round
12 Sat, 2 Sep Night 7.00pm Men’s / Women’s 3rd Round
13 Sun, 3 Sep Day 11.00am Men’s / Women’s Round of 16
14 Sun, 3 Sep Night 7.00pm Men’s / Women’s Round of 16
15 Mon, 4 Sep Day 11.00am Men’s / Women’s Round of 16
16 Mon, 4 Sep Night 7.00pm Men’s / Women’s Round of 16
17
18
19
20
21
Tue, 5 Sep Day 12.00pm
Men’s / Women’s Quarterfinals
Tue, 5 Sep Night 7.00pm Men’s / Women’s Quarterfinals
Wed, 6 Sep Day 12.00pm Men’s / Women’s Quarterfinals
Wed, 6 Sep Night 7.00pm Men’s / Women’s Quarterfinals
Thu, 7 Sep Day 12.00pm Women’s Semifinals /
22 Fri, 8 Sep Day 12.00pm
23
Men’s Doubles Final or Mixed Doubles Final / Men’s Semifinal 1
Fri, 8 Sep Night 7.00pm Men’s Semifinal 2
24 Sat, 9 Sep Day 12:00pm
25
Sun, 10 Sep Day 1:00pm
Mixed Doubles Final or Men’s Doubles Final / Women’s Final
Women’s Doubles Final / Men’s Final
MAY 29 - SUN Day - 11:00 AMMen’s & Women’s 1st Round
MAY 30 - MONDay - 11:00 AMMen’s & Women’s 1st Round
MAY 30 - MONEvening - 9:00 PMMen’s & Women’s 1st Round
MAY 31 - TUE Day - 11:00 AMMen’s & Women’s 2nd Round
MAY 31 - TUEEvening - 9:00 PMMen’s & Women’s 2nd Round
MAY 31 - WEDDay - 11:00 AMMen’s & Women’s 3rd Round
MAY 31 - WEDEvening - 9:00 PMMen’s & Women’s 3rd Round
JUN 01 - THU Day - 11:00 AMMen’s & Women’s 4th Round
JUN 01 - THUEvening - 9:00 PMMen’s & Women’s 4th Round
JUN 02 - FRI Day - 12:00 PM 3rd Round
JUN 02 - FRI Evening - 9:00 PM 3rd Round
JUN 03 - SAT Day - 12:00 AM 3rd Round
JUN 03 - SATEvening - 9:00 PM 3rd Round
JUN 04 - SUN Day - 11:00 AM 4th Round
JUN 04 - SUNEvening - 9:00 PM 4th Round
JUN 05 - MONDay - 11:00 AM 4th Round
JUN 05 - MONEvening - 9:00 PM 4th Round
JUN 06 - TUE Day - 12:00 PM Quarterfinals
JUN 06 - TUEEvening - 5:00 PM Quarterfinals
JUN 07 - WED Day - 12:00 PM Quarterfinals
JUN 07 - WEDEvening - 5:00 PM Quarterfinals
JUN 08 - THU Day - 2:00 PM Semifinals
JUN 09 - FRI Day - 3:00 PMMen’s Semi Finals 1
JUN 09 - FRI Evening - 7:00 PMMen’s Semi Finals 2
JUN 10 - SAT Day - 3:00 PM
Women's Singles Final, Men's Doubles Final
JUN 11 - SUN Day - 3:00 PMMen's Singles Final
1Mon,January16,202311:00amMen'sandWomen's1stRound
2Mon,January16,20237:00pmMen'sandWomen's1stRound
3Tue,January17,202311:00amMen’sandWomen’s1stRound
4Tue,January17,20237:00pmMen’sandWomen’s1stRound
5Wed,January18,202311:00amMen’sandWomen’s2ndRound
6Wed,January18,20237:00pmMen’sandWomen’s2ndRound
7Thu,January19,202311:00amMen’sandWomen’s2ndRound
8Thu,January19,20237:00pmMen’sandWomen’s2ndRound
9Fri,January20,202311:00amMen’sandWomen’s3rdRound
10Fri,January20,20237:00pmMen’sandWomen’s3rdRound
11Sat,January21,202311:00amMen’sandWomen’s3rdRound
12Sat,January21,20237:00pmMen’sandWomen’s3rdRound
13Sun,January22,202311:00amMen’sandWomen’s4thRound
14Sun,January22,20237:00pmMen’sandWomen’s4thRound
15Mon,January23,202311:00amMen’sandWomen’s4thRound
16Mon,January23,20237:00pmMen’sandWomen’s4thRound
17Tue,January24,202311:00am
18Tue,January24,20237:00pm
19Wed,January25,202311:00am
20Wed,January25,20237:30pm
Men’s and Women’s Quarterfinals
Men’s and Women’s Quarterfinals
Men’s and Women’s Quarterfinals
Men’s and Women’s Quarterfinals
21Thu,January26,202311:00am Women’s Semifinals
22Thu,January26,20237:30pm Men’s Semifinal
23Fri,January27,20233:00pm
24Sat,January28,20234:00pm
25Sun,January29,20234:00pm
Mixed Doubles Semi /Women’s Doubles Final / Men’s Singles Semifinal
Women’s Singles Final /Men’s Doubles Final
Mixed Doubles Final /Men’s Singles Final
* Schedule subject to change
Mon, July 03 11:00 AMMen's & Ladies' 1st Round
Tues, July 04 11:00 AMMen's & Ladies' 1st Round
Wed, July 05 11:00 AMMen's & Ladies' 2nd Round
Thurs, July 6 11:00 AMMen's & Ladies' 2nd Round
Fri, July 07 11:00 AMMen's & Ladies' 3rd Round
Sat, July 08 11:00 AMMen's & Ladies' 3rd Round
Sun, July 09 11:00 AMMen's & Ladies' 4th Round
Mon, July 10 11:00 AMMen's & Ladies' 4th Round
Tues, July 11 11:00 AM
Wed, July 12 11:00 AM
Thurs, July 13 1:00 PM
Men's Singles Quarterfinals Ladies’ Singles Quarterfinals
Men's Singles Quarterfinals Ladies’ Singles Quarterfinals
Ladies' Singles Semifinals Mixed Doubles Final
Fri, July 14 1:00 PM Men's Singles Semifinals
Sat, July 15 2:00 PM
Ladies' Singles Final, Men's Doubles Final,
Sun, July 16 2:00 PM
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 employ er 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 pass word.
Do not give your personal in formation 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 .I dent I ty t heft . gov
Rarely do we think about what is trending in the world of food and drink, but there are organizations that study this issue constantly, including Whole Foods, Innova Market Insights and even Martha Stewart herself. The current trend seems to be towards a focus on healthier eating due to an interest in sustainable agriculture, climate change and possibly as a result of correcting those bad habits acquired during Covid lock down.
In the drink space, mocktails, or virgin cocktails, have become more and more popular for health reasons, even spawning a number of new establishments devoted exclusively to alcohol-free night life. This trend expands well beyond Shirley Temples and there is an emphasis on alcohol free cosmopolitans, margaritas, mojitos
and other more original creative drinks. As an example, Whole Foods points to yaupon, a caffeinated plant, to be brewed for tea and also used in new mocktail creations. Also growing in popularity are milk substitutes like oat, soy, almond, and even potato. They are typically lower in fat, sugar and are also cholesterol free.
In the world of foods, there has been significant and growing interest in nutrition and sustainability. We will be interested in more natural less processed foods as well as more traditional ethnic menus. Plant based foods will be a growth area as the number of vegans has increased significantly and most of us have cut down on meat consumption for health and environmental concerns. We will want more locally produced ingredients due to interest in climate change. There is actually a new word for this - glocal. Think global and eat local!
Plant based pasta made from chickpeas, cauliflower and zucchini are already popular but new ones made from hearts of palm and green
and other more original creative drinks.
As an example, Whole Foods points to yaupon, a caffeinated plant, to be brewed for tea and also used in new mocktail creations. Also growing in popularity are milk substitutes like oat, soy, almond, and even potato. They are typically lower in fat, sugar and are also cholesterol free.
In the world of foods, there has been significant and growing interest in nutrition and sustainability. We will be interested in more natural less processed foods as well as more traditional ethnic menus. Plant based foods will be a growth area as the number of vegans has increased significantly and most of us have cut down on meat consumption for health and environmental concerns. We will want more locally produced ingredients due to interest in climate change. There is actually a new word for this - glocal. Think global and eat local!
Plant based pasta made from chickpeas, cauliflower and zucchini are already popular but new ones made from hearts of palm and green
It is important to revisit one’s estate planning periodically, as both circumstances and laws can change without notice. If you do not have an estate plan, it is time to create one. You probably have more assets than you think.
First of all, estate planning is an opportunity to designate who will receive your assets upon death or incapacitation. It will also allow you to designate a guardian for your children. With the advice of counsel, your plan will manage assets to minimize estate
taxes, gift taxes and any other tax issues. And most importantly, a good estate plan will avoid disagreements between heirs and probate which can be time consuming and expensive.
Begin with an assessment of all your assets, including your home and other real estate, art, collections, vehicles, and jewelry. List your checking and savings accounts, investment accounts, life insurance policies, IRA or 401 accounts and ownership interests in any businesses. Estimate the value in order to divide among your heirs.
A durable power of attorney allows a person of your choosing to handle financial, legal and other matters if you are otherwise incapacitated. It remains in effect until death or revocation.
A revocable living trust is an instrument that allows the owner (grantor) of assets to establish a trust for beneficiaries with the help of a trustee. You can be your own trustee with an alternate upon death or incapacity. This document can be amended or revoked as needed. The most important aspect of a
A living will specifies your wishes for medical care. A medical power of attorney gives authority to a trusted person to make decisions if you are unable.
A will, though desirable, is not essential if you have a revocable trust. The main reason to write a will is to include assets which may not be included in one’s trust. A will is meant to simplify things. You can designate child custody and also the recipients of your most valuable possession, such as cars, jewelry or
According to the Dictionary, charity and philanthropy are two different things.
Charity is the voluntary giving of help, typically money, to those that are suffering or in need. It tends to address an immediate problem and is a compassionate response to a natural disaster, or a token of support for the victim of crime or violence, for example. Charity can also address immediate needs for food, shelter or medical care. It is a short term response, although one may give frequently to a particular cause.
Philanthropy is more strategic in that it seeks to root out causes of the problem and to develop long term solutions. Striving for long term solutions to problems such as addiction, housing shortages, or hunger takes time, study, and planning. This is where charity comes in, providing direct relief for people in immediate need.
Both charity and philanthropy possess the same goals of addressing needs and making the world a better place but with different approaches. One deals with direct relief and the other with root causes and finding solutions.
Is one better than the other? Of course not! They are just two different ways of solving problems and both are essential to the functioning of a decent society. Recently, there have been changes to the tax code regarding charitable giving.
Three Acts have been passed recently - The Tax Cuts and Jobs Act of 2017 (TCJA), the Setting Every Community Up for Retirement Enhancement Act (SECURE) and the Corona Virus Aid, Relief and Economic Security Act (CARES). All have some impact on deductibility of charitable contributions. They
also may offer some additional advantages. For example, a qualified charity may receive your IRA with no tax consequences since charities do not pay taxes. Appreciated assets are also beneficial as a gift to a charity, as capital gains tax can be avoided.
Another way to contribute is through a community foundation, which is a grant making public charity that is dedicated to improving lives in a particular community. Individuals, families, businesses and non-profit groups establish funds within the foundation in which they can contribute assets for charitable purposes. The foundation manages the assets and takes suggestions from those that set up the fund on how and where to distribute the resources. There are over 700 community foundations in the United States.
Whether one chooses charity or philanthropy, the ultimate goal is to help the community by using personal skills and resources to make a difference.
Looking for an elegant and classic wedding venue to celebrate your big day? Country clubs are ideal for a variety of reasons.
Here are some reasons why country club wedding venues are among our favorites.
It’s a classic venue. A country club wedding has long been a time-hon ored tradition for couples with family ties to a members-only venue. Childhood memories of playing tennis or learning to expertly hit 18 holes can add sentimental meaning to a country club wed ding. A country club also provides a familiar, pictur esque venue. Expansive green spaces pair up with a stately ballroom to offer a magazine-worthy setting for a large indoor-outdoor
to the public for events, while
couple is “sponsored” by a member—meaning
connect you with the club’s in-house wedding
It offers a one-stop-shop. Like a hotel, a country club often has many wedding services on-site. Catering, flowers, linen rentals and even the wedding planner may all be available for one package price that can reduce planning time and stress. All you have to do is worry about finding the perfect country club-appropriate wedding attire for you and your wedding party.
It’s a great place to have a rain backup plan. Maybe you’ve always dreamed of getting married in an outdoor ceremony—but then the skies open up right before you walk down the outdoor aisle. A country club offers the peace of mind of a rain plan with multiple ballrooms, dining rooms and other suitable indoor venues that can work as a stand-by on your big day.
It can accommodate many sizes of weddings. Those aforementioned outdoor spaces, ballrooms and dining rooms also mean a country club can accommodate a variety of wedding sizes. Want an intimate wedding for 20? That gazebo in the formal gardens might make a great place for your I Do’s. Is a wedding for 250 of your friends and family more your style? Many country clubs can host very large weddings in their wow-worthy ballrooms, too.
Those green spaces can do a lot more than hold chairs for your wedding ceremony. The large swaths of grass at a country club are a great space to entertain your guests with classic games like croquet, bocce ball and corn hole. And don’t let the golf course go to waste! A round of golf for your guests should definitely be in order at some point during the wedding weekend.
Bianco, Katie (2017, March 8). 5 Reasons to Get Married ... at a Country Club [Web log post]. Retrieved from https://www.weddingwire.com/wedding-ideas/5-reasons-to-get-married-at-a-country-club
wedding. Not a member of a nearby club? Some clubs are open some private clubs will allow non-member weddings if the you just have to know someone who can planner.
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