TRI VALLEY | CA | VOL. 5
FEATURES 6 Interior Design Ideas 12 T ime To Travel 32 Identity Theft 34 Estate Planning 40 Accessory Trends 46 Recommended Service Directory 6 2
DirectoryRecommendedTournamentsGrandTournamentsGrandTournamentsGrandTournamentsGrandTournamentsLPGATournamentsPGASlamTennis-USOpenSlamTennis-FrenchSlamTennis-AustralianSlamTennis-WimbledonService TOURNAMENT SCHEDULES 46302824221816 18 4
Another noted concern is on climate change; many are now considering sustainability and which materials are best to use for the health of our planet.
Homeowners want spaces that reflect their personalities, interests, hobbies, and history. Outdoor spaces are being treated as integral parts of the home, creating additional rooms to expand a family’s living and entertainment spaces. Stylish furniture is being chosen to be compatible with the indoor space.
INTERIOR DESIGN IDEAS (. . .continued on page 8) 6
An emphasis on natural light, good ventilation, and biophilic (connection with nature) design have gained in popularity. This is accomplished with the use of indoor plants, skylights, and open indoor-outdoor floorplans.
After the last eighteen months, many people are now seriously considering updating their homes - creating new spaces, changing color schemes, furniture and even artwork. It’s become clear that home décor has an impact on emotions and well-being.
CHOOSING COLORS IS AN IMPORTANT ELEMENT FOR THE DESIGN OF ANY HOME.
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Vintage and antique furniture are also making a comeback due to the widespread interest in sustainability. Lamps are important, not just for lighting, but also as art or a statement Thepiece.styles of the 70’s have made a resurgence, but with a twist. More muted and earthy tones have replaced bright orange, along with rounded furniture and multiple patterned fabrics.
This year Pantone has named “Very Peri” its color of the year. “Very Peri” is a bold blue with violet-red undertones, often called periwinkle. Periwinkle represents serenity and calmness as well as vibrancy and excitement. According to Pantone, “Veri Peri” helps us embrace this altered landscape of possibilities, opening us up to a new vision as we re-write our lives: rekindling gratitude for some of the qualities that blue represents complemented by a new perspective that resonates today, Very Peri places the future ahead in a new light.
Expect to see Very Peri in many different shades and uses. It can be used as an accent color for pillows, glassware, accent chairs, area rugs or art. Or one can try periwinkle patterned wallpaper to create excitement on walls, ceilings or even cabinets. Etsy has named Emerald Green their color of the year. It is a reminder of nature and works well on walls, bedding, pillows, and art. Other paint companies have chosen a more neutral color palettethis year in the belief that calm is needed after the uncertainty of the last two years. Either way, bright cheerful colors are sometimes exactly what we need. yours!
These are transformative times and “Very Peri is a symbol of the global zeitgeist of the moment and the transition we are going through.”
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THE CHOICE IS
PERU 12
TIME
Machu Picchu, or the lost city as it is often referred to, is a bucketlist type of destination. As a world heritage site and one of the new Seven Wonders of the world, it is often considered to be the most spectacular urban creation of the Incan civilization. It was built as a sacred site around 1430 by the 9th Incan king without the use of mortar. The stonework for the buildings is so well put together that there are no gaps in the joins. Instead, stones were cut to fit together. The stones can weigh as much as 50 tons and were transported without wheels. Rather, they were pushed up the hill by hundreds of men. Visit the semi-circular Temple of the Sun which is built around an enormous boulder. See the Temple of the Moon and its It is time to start thinking about traveling again. Why not go somewhere historic and fun. Learn about Incan civilization at Machu Picchu in Peru or Mayan civilization in Mexico. TO (. PICCHU
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Alongwatching.theYucatan Peninsula, there are many historic sites built by the ancient Mayan people. One of the most popular is Tulum which is a well-preserved 13th century walled city situated on tall cliffs overlooking the Caribbean Sea. It is easily accessed from Cancun. Visit El Castillo, the temple of the Frescoes and the Temple of the (.
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ceremonial shrine built into a cave with niches that most likely held mummies. There is also a museum which explains how and why Machu Picchu was built. Located 8000 feet above sea level and deep in the tropical forest, it offers amazing architecture, incredible scenery and an abundance of unusual flora and Therefauna. are 2 ways to arrive at Machu Picchu. One can travel by train from either Cusco or the Sacred Valley. Cusco is the easiest and the voyage takes 3.5 hours along the Urubamba River in the Sacred Valley. There is a hotel on site with a restaurant as well as luxury hotels in Cusco. Cusco is filled with historic sites from Incan and colonial times as well as restaurants, shopping and people
YUCATAN PENINSULA MEXICO
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A day trip from Tulum takes you to the city of Chichen Itza, another of the new Seven Wonders of the World. It is one of the largest and best preserved architectural sites in the world. There are many ancient Mayan structures including the famous El Castillo pyramid which dominates the center of the site. It is 98 feet tall. There is also an ancient sports arena, the Osario Pyramid and the Temple of the Warriors. The city was built over centuries going back as far as 600 ad and grew until the 1600’s when it was conquered by the Spanish. Along with the historic sites on the Yucatan Peninsula, there are wonderful places to stayCancun for a city feel and Playa del Carmen for a small-town vibe and there is no shortage of allinclusive beach resorts.
Descending God or explore the underground caverns of LabnaHa Eco Park and consider snorkeling in the caves of Cenote Dos Ojos.
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2022 PGA TOURNAMENT SCHEDULE DATES TOURNAMENT DEFENDING CHAMPION JAN 6 - 9, 2022 Sentry Tournament of Champions Plantation Course at Kapalua, Kapalua, Maui, HI Harris English $1,340,000 JAN 13 - 16, 2022 Sony Open in Hawaii Waialae Country Club, Honolulu, HI Kevin Na $1,188,000 JAN 20 - 23, 2022 The American Express PGA WEST (Stadium), La Quinta, CA Si Woo Kim $1,206,000 JAN 27 - 30, 2022 Farmers Insurance Open Torrey Pines (South), San Diego, CA Patrick Reed $1,350,000 FEB 3 - 6, 2022 AT&T Pebble Beach Pro-Am Pebble Beach Golf Links, Pebble Beach, CA Daniel Berger $1,404,000 FEB 10 - 13, 2022 Waste Management Phoenix Open TPC Scottsdale, Scottsdale, AZ Brooks Koepka $1,314,000 FEB 17 - 20, 2022 The Genesis Invitational The Riviera Country Club, Pacific Palisades, CA Max Homa $1,674,000 FEB 24 - 27, 2022 The Honda Classic PGA National (Champion), Palm Beach Gardens, FL Matt Jones $1,260,000 MAR 3 - 6, 2022 Puerto Rico Open Grand Reserve Country Club, Rio Grande, PUR Branden Grace $540,000 MAR 3 - 6, 2022 Arnold Palmer Invitational presented by Mastercard Bay Hill Club & Lodge, Orlando, FL Bryson DeChambeau $1,674,000 MAR 10 - 13, 2022 THE PLAYERS Championship TPC Sawgrass, Ponte Vedra Beach, FL Justin Thomas $2,700,000 MAR 17 - 20, 2022 Valspar Championship Innisbrook Resort (Copperhead), Palm Harbor, FL Sam Burns $1,242,000 MAR 23 - 27, 2022 World Golf Championships-Dell Technologies Match Play Austin Country Club, Austin, TX Billy Horschel $1,820,000 MAR 24 - 27, 2022 Corales Puntacana Resort & Club Championship Corales Golf Course, Punta Cana, DOM Joel Dahmen $540,000 MAR 31 - APR 3, 2022 Valero Texas Open TPC San Antonio (Oaks Course), San Antonio, TX Jordan Spieth $1,386,000 APR 7 - 10, 2022 Masters Tournament Augusta National Golf Club, Augusta, GA Hideki Matsuyama $2,070,000 APR 14 - 17, 2022 RBC Heritage Harbour Town Golf Links, Hilton Head, SC Stewart Cink $1,278,000 APR 21 - 24, 2022 Zurich Classic of New Orleans TPC Louisiana, Avondale, LA M. Leishman / C. Smith $1,069,300 APR 28 - MAY 1, 2022 Mexico Championship MAY 5 - 8, 2022 Wells Fargo Championship TPC Potomac at Avenel Farm, Potomac, MD Rory McIlroy $1,458,000 * Schedule subject to change (. . .continued on page 18) 16
2022 PGA TOURNAMENT SCHEDULE DATES TOURNAMENT DEFENDING CHAMPION MAY 12 - 15, 2022 AT&T Byron Nelson TPC Craig Ranch, McKinney, TX K.H. Lee $1,458,000 MAY 19 - 22, 2022 PGA Championship Southern Hills CC, Tulsa, OK Phil Mickelson $2,160,000 MAY 26 - 29, 2022 Charles Schwab Challenge Colonial Country Club, Fort Worth, TX Jason Kokrak $1,350,000 JUN 2 - 5, 2022 the Memorial Tournament presented by Workday Muirfield Village Golf Club, Dublin, OH Patrick Cantlay $1,674,000 JUN 9 - 12, 2022 RBC Canadian Open St. George's G&CC, Toronto, ON, CAN Rory McIlroy $1,368,000 JUN 16 - 19, 2022 U.S. Open The Country Club, , Jon Rahm $2,250,000 JUN 23 - 26, 2022 Travelers Championship TPC River Highlands, Cromwell, CT Harris English $1,332,000 JUN 30 - JUL 3, 2022 John Deere Classic TPC Deere Run, Silvis, IL Lucas Glover $1,116,000 JUL 7 - 10, 2022 Barbasol Championship Keene Trace Golf Club, Nicholasville, KY Seamus Power $630,000 JUL 7 - 10, 2022 Genesis Scottish Open JUL 14 - 17, 2022 Barracuda Championship Tahoe Mt. Club (Old Greenwood), Truckee, CA Erik van Rooyen $630,000 JUL 14 - 17, 2022 The Open Championship St. Andrews Links (Old Course), Fife, SCO Collin Morikawa $2,070,000 JUL 21 - 24, 2022 3M Open TPC Twin Cities, Blaine, MN Cameron Champ $1,188,000 JUL 28 - 31, 2022 Rocket Mortgage Classic Detroit Golf Club, Detroit, MI Cam Davis $1,350,000 AUG 4 - 7, 2022 Wyndham Championship Sedgefield Country Club, Greensboro, NC Kevin Kisner $1,152,000 AUG 11 - 14, 2022 FedEx St. Jude Championship TPC Southwind, Memphis, TN Dustin Johnson $1,710,000 AUG 18 - 21, 2022 BMW Championship Wilmington Country Club, Wilmington, DE Jon Rahm $1,710,000 AUG 25 - 28, 2022 TOUR Championship East Lake Golf Club, Atlanta, GA Dustin Johnson * Schedule subject to change (. . .continued on page 20) 18
Oct. 27-30
Oct. 13-16 Buick LPGA Shanghai Qizhong Garden G.C., Shanghai, People's Republic of China $2.1M
July 13-16
Feb. 4-6 / 11-13
Nov. 17-20 CME Group Tour Championship Tiburon G.C., Naples, Florida $7M SCHEDULE
Dow Great Lakes Bay Invitational Midland C.C., Midland, Michigan $2.5M
March 31 - April 3 The Chevron Championship Mission Hills C.C., Rancho Mirage, California $5M
Portland Classic Oregon location to be announced $1.4M
Hilton Grand Vacations Tournament of Champions Lake Nona G. and C.C., Orlando, Florida $1.2M
June 10-12
Cognizant Founders Cup New Jersey location to be announced $3M
Jan. 20-23
Aug. 25-28
Walmart NW Arkansas Championship presented by P&G Pinnacle Country Club, Rogers, Arkansas $2.3M
LPGA Drive On Championship Florida location to be announced $1.5M
Dana Open presented by Marathon Highland Meadows G.C., Sylvania, Ohio $1.75M
May 12-15
Aug. 4-7 AIG Women's Open Muirfield, East Lothian, Scotland $6.8M
Sept. 29 - Oct. 2 Volunteers of America Classic Old American G.C., The Colony, Texas $1.5M
Taiwan Swinging Skirts LPGA Miramar G.C., New Taipei City, Chinese Taipei $2.2M
2022 LPGA TOURNAMENT
Nov. 3-6 TOTO Japan Classic Seta Golf Course, Shiga, Japan $2M
ShopRite LPGA Classic presented by Acer Seaview, A Dolce Hotel (Bay Course), Galloway, New Jersey $1.75M
Oct. 20-23 BMW Ladies Championship Korean location to be announced $2M
Sept. 1-4
July 21-24
March 3-6
Nov. 10-13
March 10-13 Honda LPGA Thailand Siam C.C., Pattaya, Chonburi, Thailand $1.6M
Amundi Evian Championship Evian Resort G.C., Evian-les-Bains, France $4.5M
CP Women's Open Ottawa Hunt and G.C., Ottawa, Ontario, Canada $2.35M
June 23-26 KPMG Women's PGA Championship Congressional C.C., Bethesda, Maryland $4.5M
July 28-31
HSBC Women's World Championship Sentosa G.C., Singapore $1.7M
Aug. 11-14 ISPS Handa World Invitational Galgorme Castle G.C., and Massereene G.C., Antrim, Northern Ireland $1.5M
* Schedule subject to change ** Purse subject to change (. . .continued on page 22)20
June 16-19
May 25-29 Bank of Hope LPGA Match-Play Hosted by Shadow Creek Shadow Creek, Las Vegas, Nevada $1.5M
June 2-5 U.S. Women's Open Pine Needles Lodge and G.C., Southern Pines, North Carolina $5.5M**
Oct. 6-9 LPGA MEDIHEAL Championship The Saticoy Club, Somis, California $1.8M
Sept. 15-18
Pelican Women's Championship Pelican G.C., Belleair, Florida $2M
March 24-27 JTBC Classic presented by Barbasol Aviara G.C., Carlsbad, California $1.5M
DATES TOURNAMENT PURSE
Meijer LPGA Classic for Simply Give Blythefield C.C., Grand Rapids, Michigan $2.5M
Sept. 8-11
April 28 - May 1 JTBC Championship at Palos Verdes Palos Verdes G.C., Palos Verdes Estates, California $1.5M
LOTTE Championship Hawaii location to be announced $2M
Sept. 23-25
April 13-16
Trust Golf Women's Scottish Open Dundonald Links, Ayrshire, Scotland $2M
Kroger Queen City Championship presented by P&G Kenwood Country Club, Cincinnati, Ohio $1.75M
April 21-24 JTBC LA Open Wilshire C.C., Los Angeles, California $1.5M
Jan. 27-30 Gainbridge LPGA at Boca Rio Boca Rio G.C., Boca Raton, Florida $2M
SESSIONDATE SCHEDULE PLAY START MATCHES 1 Sun 29 Aug Day 11.00am Men’s / Women’s 1st Round 2 Sun 29 Aug Night 7.00pm Men’s / Women’s 1st Round 3 Mon 30 Aug Day 11.00am Men’s / Women’s 1st Round 4 Mon 30 Aug Night 7.00pm Men’s / Women’s 1st Round 5 Tue 31 Aug Day 11.00am Men’s / Women’s 2nd Round 6 Tue 31 Aug Night 7.00pm Men’s / Women’s 2nd Round 7 Wed 1 Sep Day 11.00am Men’s / Women’s 2nd Round 8 Wed 1 Sep Night 7.00pm Men’s / Women’s 2nd Round 9 Thu 2 Sep Day 11.00am Men’s / Women’s 3rd Round 10 Thu 2 Sep Night 7.00pm Men’s / Women’s 3rd Round 11 Fri 3 Sep Day 11.00am Men’s / Women’s 3rd Round 12 Fri 3 Sep Night 7.00pm Men’s / Women’s 3rd Round 13 Sat 4 Sep Day 11.00am Men’s / Women’s Round of 16 14 Sat 4 Sep Night 7.00pm Men’s / Women’s Round of 16 15 Sun 5 Sep Day 11.00am Men’s / Women’s Round of 16 16 Sun 5 Sep Night 7.00pm Men’s / Women’s Round of 16 17 Mon 6 Sep Day 12.00pm Men’s / Women’s Quarterfinals 18 Mon 6 Sep Night 7.00pm Men’s / Women’s Quarterfinals 19 Tue 7 Sep Day 12.00pm Men’s / Women’s Quarterfinals 20 Tue 7 Sep Night 7.00pm Men’s / Women’s Quarterfinals 21 Wed 8 Sep Day 12.00pm Women’s Semifinals Men’s / Women’s Doubles Semifinals 22 Thu 9 Sep Day 12.00pm Men’s / Mixed Doubles Finals Men’s Semifinal 1 23 Thu 9 Sep Night 7.00pm Men’s Semifinal 2 24 Fri 10 Sep Day 12:00 PM Mixed / Men’s Doubles Finals Women’s Final 25 Sat 11 Sep Day 1:00 PM Men's Women’sFinalDoubles Final 2022 GRAND SLAM TOURNAMENT SCHEDULE * Schedule subject to change ** Start Times Listed in EST (. . .continued on page 24)22
2022 GRAND SLAM TOURNAMENT SCHEDULE DATE PLAY START SESSION MAY 22 - SUN Day - 11:00 AM1st Round MAY 23 - MONDay - 11:00 AM 1st Round MAY 23 - MONEvening - 9:00 PM 1st Round MAY 24 - TUE Day - 11:00 AM 1st Round MAY 24 - TUEEvening - 9:00 PM 1st Round MAY 25 - WEDDay - 11:00 AM 2nd Round MAY 25 - WEDEvening - 9:00 PM 2nd Round MAY 26 - THU Day - 11:00 AM 2nd Round MAY 26 - THUEvening - 9:00 PM 2nd Round MAY 27 - FRI Day - 11:00 AM 3rd Round MAY 27 - FRI Evening - 9:00 PM 3rd Round MAY 28 - SAT Day - 11:00 AM 3rd Round MAY 28 - SATEvening - 9:00 PM 3rd Round MAY 29 - SUN Day - 11:00 AM 4th Round MAY 29 - SUNEvening - 9:00 PM 4th Round MAY 30 - MONDay - 11:00 AM 4th Round MAY 30 - MONEvening - 9:00 PM 4th Round MAY 31 - TUE Day - 12:00 PM Quarterfinals MAY 31 - TUEEvening - 5:00 PM Quarterfinals JUN 01 - WED Day - 12:00 PM Quarterfinals JUN 01 - WEDEvening - 9:00 PM Quarterfinals JUN 02 - THU Day - 2:00 PM Semifinals JUN 03 - FRI Day - 3:00 PM Semifinals JUN 04 - SAT Day - 3:00 PM Women's Singles Final, Men's Doubles Final JUN 05 - SUN Day - 3:00 PMMen's Singles Final * Schedule subject to change (. . .continued on page 28) 24
1Mon,January17,202211:00AMMen'sandWomen's1stRound 2Mon,January17,20227:00PMMen'sandWomen's1stRound 3Tue,January18,202211:00AMMen'sandWomen's1stRound 4Tue,January18,20227:00PMMen'sandWomen's1stRound
2022 GRAND SLAM TOURNAMENT SCHEDULE Session Date TimeFeatured Matches
17Tue,January25,202211:00AM Men's and Women's Quarterfinals 18Tue,January25,20227:00PM Men's and Women's Quarterfinals 19Wed,January26,202211:00AM Men's and Women's Quarterfinals 20Wed,January26,20227:30PM Men's and Women's Quarterfinals 21Thu,January27,202211:00AM Women's Semifinals 22Thu,January27,20227:30PM Men's Semifinal 23Fri,January28,20223:00PM Mixed Doubles Semi / Women's Doubles Final / Men's Singles SemiFinal 24Sat,January29,20224:00PM Men's Doubles Final / Women's Singles Final 25Sun,January30,20224:00PM Mixed Doubles Final / Men's Singles Final * Schedule subject to change (. . .continued on page 30) 28
5Wed,January19,202211:00AMMen'sandWomen's2ndRound 6Wed,January19,20227:00PMMen'sandWomen's2ndRound 7Thu,January20,202211:00AMMen'sandWomen's2ndRound 8Thu,January20,20227:00PMMen'sandWomen's2ndRound 9Fri,January21,202211:00AMMen'sandWomen's3rdRound 10Fri,January21,20227:00PMMen'sandWomen's3rdRound 11Sat,January22,202211:00AMMen'sandWomen's3rdRound 12Sat,January22,20227:00PMMen'sandWomen's3rdRound 13Sun,January23,202211:00AMMen'sandWomen's4thRound 14Sun,January23,20227:00PMMen'sandWomen's4thRound 15Mon,January24,202211:00AMMen'sandWomen's4thRound 16Mon,January24,20227:00PMMen'sandWomen's4thRound
Sun,
Wed,
July 08 1:00 PM Men's Singles Semifinals 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 * Schedule subject to change 30
July 03 11:00 AMMen's & Ladies' 4th Round
2022 GRAND SLAM TOURNAMENT SCHEDULE DATE PLAY START SESSION Mon, Jun 27 11:00 AMMen's & Ladies' 1st Round Tues, Jun 28 11:00 AMMen's & Ladies' 1st Round Wed, Jun 29 11:00 AMMen's & Ladies' 2nd Round Thurs, Jun 30 11:00 AMMen's & Ladies' 2nd Round Fri, July 01 11:00 AMMen's & Ladies' 3rd Round Sat, July 02 11:00 AMMen's & Ladies' 3rd Round
Tues,
July 06 11:00 AM Men's Singles Quarterfinals Thurs, July 07 1:00 PM Ladies' Singles Semifinals
July 04 11:00 AMMen's & Ladies' 4th Round
Fri,
Mon,
July 05 11:00 AM Ladies' Singles Quarterfinals
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.
The important thing is to take all the necessary steps to prevent it.
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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.
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 otherReviewinformationyourbills 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 Mostinformation.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 Courtesy of Federal Trade Commission 33
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ESTATE PLAN?
DO YOU HAVE AN UP-TO-DATE
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.
Wills 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. 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
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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.
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. 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 trust
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Beneficiary designations explain who receives which assets such as an IRA, insurance policy, savings account, or other financial Ainstruments.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. 38
Trends forACCESSORY 40
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 overTheaccessorize.newyear 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
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(. . .continued on page 44) 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
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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 toisagreestyle,ofRegardlessheadband!individualallcan–nowthetimeshine! 44
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