CENTRAL COAST | FL | VOL. 5
FE AT URES 6
Interior Design Ideas
10 Time To Travel 36 Identity Theft 38 Estate Planning 42 Accessory Trends 46 Private Club Weddings 48 Recommended Business Directory
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TOURNAMENT SCHEDULES 18
PGA Tournaments
22
LPGA Tournaments
28
Grand Slam Tennis Tournaments - US Open
30
Grand Slam Tennis Tournaments - French
32
Grand Slam Tennis Tournaments - Australian
34
Grand Slam Tennis Tournaments - Wimbledon
48
Recommended Service Directory
22
INTERIOR DESIGN
I D E A S
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. 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. 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.
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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 piece. The 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.
CHOOSING COLORS IS AN IMPORTANT ELEMENT FOR THE DESIGN OF ANY HOME. 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.
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These are transformative times and “Very Peri is a symbol of the global zeitgeist of the moment and the transition we are going through.” 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.
THE CHOICE IS
yours!
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TIME TO
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.
MACHU PICCHU PERU 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
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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
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 fauna. There 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 watching.
YUCATAN PENINSULA MEXICO Along the Yucatan 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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Descending God or explore the underground caverns of LabnaHa Eco Park and consider snorkeling in the caves of Cenote Dos Ojos. 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
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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 stay Cancun for a city feel and Playa del Carmen for a small-town vibe and there is no shortage of allinclusive beach resorts.
2022-2023 PGA TOURNAMENT SCHEDULE
18
* Schedule subject to change
DATES
TOURNAMENT
DEFENDING CHAMPION
SEP 15 - 18, 2022
Fortinet Championship Silverado Resort and Spa (North Course), Napa, CA
Max Homa $1,260,000
SEP 22 - 25, 2022
Presidents Cup Quail Hollow Club, Charlotte, NC
SEP 29 - OCT 2, 2022
Sanderson Farms Championship The Country Club of Jackson, Jackson, MS
Sam Burns $1,260,000
OCT 6 - 9, 2022
Shriners Children’s Open TPC Summerlin, Las Vegas, NV
Sungjae Im $1,260,000
OCT 13 - 16, 2022
ZOZO CHAMPIONSHIP Accordia Golf Narashino Country Club, Chiba, JPN
Hideki Matsuyama $1,791,000
OCT 20 - 23, 2022
THE CJ CUP in South Carolina Congaree Golf Club, Ridgeland, SC
Rory McIlroy $1,755,000
OCT 27 - 30, 2022
tter e er h io hi Port Royal Golf Course, Southampton, BER
Lucas Herbert $1,170,000
NOV 3 - 6, 2022
World Wide Technology Championship at Mayakoba El Camaleón Golf Course at Mayakoba, Riviera Maya, MEX
Viktor Hovland $1,296,000
NOV 10 - 13, 2022
Cadence Bank Houston Open Memorial Park Golf Course, Houston, TX
Jason Kokrak $1,350,000
NOV 17 - 20, 2022
The RSM Classic Sea Island Golf Club (Seaside Course), St. Simons Island, GA
Talor Gooch $1,296,000
DEC 1 - 4, 2022
Hero World Challenge Albany, New Providence, BAH
Viktor Hovland $1,000,000
DEC 9 - 11, 2022
QBE Shootout Qu Tiburón Golf Course, Naples, FL
Kevin Na, Jason Kokrak $447,500
JAN 5 - 8, 2023
Sentry Tournament of Champions Plantation Course at Kapalua, Kapalua, Maui, HI
Cameron Smith $1,476,000
JAN 12 - 15, 2023
Sony Open in Hawaii Qu Waialae Country Club, Honolulu, HI
Hideki Matsuyama $1,350,000
JAN 19 - 22, 2023
The American Express Pete Dye Stadium Course, La Quinta, CA
Hudson Swafford $1,368,000
JAN 25 - 28, 2023
Farmers Insurance Open Torrey Pines Golf Course (South Course), San Diego, CA
Luke List $1,512,000
FEB 2 - 5, 2023
AT&T Pebble Beach Pro-Am Pebble Beach Golf Links, Pebble Beach, CA
Tom Hoge $1,566,000
FEB 9 - 12, 2023
WM Phoenix Open TPC Scottsdale (Stadium Course), Scottsdale, AZ
Scottie Scheffler $1,476,000
FEB 16 - 19, 2023
The Genesis Invitational e i iera untr lu
Joaquin Niemann $2,160,000
FEB 23 - 26, 2023
The Honda Classic PGA National Resort (The Champion), Palm Beach Gardens, FL
Sepp Straka $1,440,000
MAR 2 - 5, 2023
Puerto Rico Open Grand Reserve Golf Club, Rio Grande, PUR
Ryan Brehm $666,000
MAR 2 - 5, 2023
Arnold Palmer Invitational presented by Mastercard Arnold Palmer’s Bay Hill Club & Lodge, Orlando, FL
Scottie Scheffler $2,160,000
MAR 9 - 12, 2023
THE PLAYERS Championship The Country Club of Jackson, Jackson, MS
Cameron Smith $3,600,000
MAR 16 - 19, 2023
Valspar Championship Innisbrook Resort (Copperhead Course), Palm Harbor, FL
Sam Burns $1,404,000
MAR 22 - 26, 2023
World Golf Championships-Dell Technologies Match Play Austin Country Club, Austin, TX
Scottie Scheffler $2,100,000
a ifi
alisades
(. . .continued on page 20)
2022-2023 PGA TOURNAMENT SCHEDULE
20
* Schedule subject to change
DATES
TOURNAMENT
DEFENDING CHAMPION
MAR 23 - 26, 2023
Corales Puntacana Championship Puntacana Resort & Club (Corales Golf Course), Punta Cana, DOM
Chad Ramey $ 666,000
MAR 30 - APR 2, 2023
Valero Texas Open TPC San Antonio (Oaks Course), San Antonio, TX
J.J. Spaun $1,548,000
APR 6 - 9, 2023
Masters Tournament Augusta National Golf Club, Augusta, GA
Scottie Scheffler $2,700,000
APR 13 - 16, 2023
RBC Heritage Harbour Town Golf Links, Hilton Head Island, SC
Jordan Spieth $1,440,000
APR 20 - 23, 2023
Zurich Classic of New Orleans Harbour Town Golf Links, Hilton Head Island, SC
P. Cantlay/X. Schauffele $1,199,350
APR 27 - 30, 2023
Mexico Open at Vidanta Vidanta Vallarta, Vallarta, MEX
Jon Rahm $1,314,000
MAY 4 - 7, 2023
Wells Fargo Championship Quail Hollow Club, Charlotte, NC
Max Homa $1,620,000
MAY 11 - 14, 2023
AT&T Byron Nelson TPC Craig Ranch, McKinney, TX
K.H. Lee $1,638,00
MAY 18 - 21, 2023
PGA Championship Q Oak HIll Country Club, Rochester, NY
Justin Thomas $2,700,000
MAY 25 - 28, 2023
Charles Schwab Challenge Colonial Country Club, Fort Worth, TX
Sam Burns $1,512,000
JUN 1 - 4, 2023
The Memorial Tournament presented by Workday Muirfield illage l lu u lin
Billy Horschel $2,160,000
JUN 8 - 11, 2023
RBC Canadian Open Oakdale Golf & Country Club, Toronto, Ontario, CAN
Rory McIlroy $1,566,000
JUN 15 - 18, 2023
U.S. Open The Los Angeles Country Club (North Course), Los Angeles, CA
Matt Fitzpatrick $3,150,000
JUN 22 - 25, 2023
Travelers Championship TPC River Highlands, Cromwell, CT
Xander Schauffele $1,494,000
JUN 29 - JUL 2, 2023
Rocket Mortgage Classic. Detroit Golf Club, Detroit, MI
Tony Finau $1,512,000
JUL 6 - 9, 2023
John Deere Classic PC Deere Run, Silvis, IL
J.T. Posto $1,278,000
JUL 13 - 16, 2023
Barbasol Championship Keene Trace Golf Club (Champions Course), Nicholasville, KY
Trey Mullinax $666,000
JUL 13 - 16, 2023
Genesis Scottish Open The Renaissance Club, North Berwick, SCO
Xander Schauffele $1,400,000
JUL 20 - 23, 2023
Barracuda Championship Tahoe Mountain Club (Old Greenwood), Truckee, CA
Chez Reavie $666,000
JUL 20 - 23, 2023
The Open Championship Royal Liverpool, Hoylake, Wirral, ENG
Cameron Smith $2,500,000
JUL 27 - 30, 2023
3M Open TPC Twin Cities, Blaine, MN
Tony Finau $1,350,000
AUG 3 - 6, 2023
Wyndham Championship Sedgefield untr lu reens
AUG 10 - 13, 2023
FedEx St. Jude Championship TPC Southwind, Memphis, TN
Will Zalatoris $2,700,000
AUG 17 - 20, 2023
BMW Championship Olympia Fields Country Club (North Course), Olympia Fields, IL
Patrick Cantlay Patrick Cantlay
AUG 24 - 27, 2023
TOUR Championship East Lake Golf Club, Atlanta, GA
Rory McIlroy
Tom Kim $1,314,000
r
(. . .continued on page 22)
2022-2023 LPGA TOURNAMENT SCHEDULE DATES SEP 23-25, 2022 SEP 29 - OCT 2, 2022 OCT 6-9, 2022 OCT 20-23, 2022 OCT 27-30, 2022 NOV 3-6, 2022 NOV 10-13, 2022 NOV 17-20, 2022 JAN 20-23, 2023 JAN 27-30, 2023 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 APR 21-24, 2023 APR 28- MAY 1, 2023 MAY 12-15, 2023 MAY 25-29, 2023 JUN 2-5, 2023 JUN 10-12, 2023 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
22
* Schedule subject to change ** Purse subject to change
TOURNAMENT
Walmart NW Arkansas Championship presented by P&G Pinnacle Country Club, Rogers, Arkansas Volunteers of America Classic Old American G.C., The Colony, Texas LPGA MEDIHEAL Championship The Saticoy Club, Somis, California BMW Ladies Championship Korean location to be announced Taiwan Swinging Skirts LPGA Miramar G.C., New Taipei City, Chinese Taipei TOTO Japan Classic Seta Golf Course, Shiga, Japan Pelican Women's Championship Pelican G.C., Belleair, Florida CME Group Tour Championship Tiburon G.C., Naples, Florida Hilton Grand Vacations Tournament of Champions Lake Nona Golf and Country Club, Orlando, Florida Gainbridge LPGA at Boca Rio Boca Rio Golf Club, Boca Raton, Florida LPGA Drive On Championship Crown Colony Golf & Country Club, Fort Myers, Florida HSBC Women’s World Championship Sentosa Golf Club, Tanjong Course, Singapore Honda LPGA Thailand Siam Country Club, Pattaya Old Course, Chonburi, Thailand JTBC Classic presented by Barbasol Aviara Golf Club, Carlsbad, CA The Chevron Championship Mission Hills Country Club, Dinah Shore Tournament Course, Rancho Mirage, CA LOTTE Championship presented by Hoakalei Hoakalei Country Club, Ewa Beach, Oahu, HI DIO Implant LA Open Wilshire Country Club, Los Angeles, CA Palos Verdes Championship presented by Bank of America Palos Verdes Golf Club, Palos Verdes Estates, CA Cognizant Founders Cup Upper Montclair Country Club, Clifton, NJ Bank of Hope LPGA Match-Play presented by MGM Rewards Shadow Creek, Las Vegas, NV U.S. Women’s Open Presented by ProMedica Pine Needles Lodge and Golf Club, Southern Pines, NC ShopRite LPGA Classic Presented by Acer eaview, Bay Course, Galloway, NJ Meijer LPGA Classic for Simply Give l t efield untr lu elm nt M KPMG Women’s PGA Championship Congressional Country Club, Blue Course, Bethesda, MD Dow Great Lakes Bay Invitational Midland Country Club, Midland, MI The Amundi Evian Championship Evian Resort Golf Club, Evian-les-Bains, France Trust Golf Women’s Scottish Open Dundonald Links, Ayrshire, Scotland AIG Women’s Open Muirfield ast L t ian S tland ISPS Handa World Invitational presented by AVIV Clinics Galgorm Castle Golf Club / Massereene Golf Club, Antrim, Northern Ireland CP Women’s Open Ottawa Hunt and Golf Club, Ottawa, Canada Dana Open presented by Marathon Highland Meadows Golf Club, Sylvania, OH Kroger Queen City Championship presented by P&G Kenwood Country Club, Kendale Course, Cincinnati, OH
PURSE $2.3M $1.5M $1.8M $2M $2.2M $2M $2M $7M $1.5M $2M $1.5M $1.7M $1.6M $1.5M $5M $2M $1.5M $1.5M $3M $1.5M $10M $1.75M $2.5M $9M $2.5M $6.5M $2M $7.3M $1.5M $2.35M $1.75M $1.75M
(. . .continued on page 28)
2023 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change ** Start Times Listed in EST
SESSION
28
DATE
SCHEDULE
PLAY START
MATCHES
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
Tue, 5 Sep
Day
12.00pm
Men’s
men’s Quarterfinals
18
Tue, 5 Sep
Night
7.00pm
Men’s
men’s Quarterfinals
19
Wed, 6 Sep
Day
12.00pm
Men’s
men’s Quarterfinals
20
Wed, 6 Sep
Night
7.00pm
Men’s
men’s Quarterfinals
21
Thu, 7 Sep
Day
12.00pm
22
Fri, 8 Sep
Day
12.00pm
Men’s Doubles Final or Mixed Doubles inal Men’s Semifinal
23
Fri, 8 Sep
Night
7.00pm
Men’s Semifinal
24
Sat, 9 Sep
Day
12:00pm
Mixed Doubles Final or Men’s Doubles Final / Women’s Final
25
Sun, 10 Sep
Day
1:00pm
Women’s Doubles Final / Men’s Final
men’s Semifinals
(. . .continued on page 30)
2023 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
DATE
30
PLAY START
SESSION
MAY 29 - SUN
Day - 11:00 AM
Men’s & Women’s 1st Round
MAY 30 - MON
Day - 11:00 AM
Men’s & Women’s 1st Round
MAY 30 - MON
Evening - 9:00 PM
Men’s & Women’s 1st Round
MAY 31 - TUE
Day - 11:00 AM
Men’s & Women’s 2nd Round
MAY 31 - TUE
Evening - 9:00 PM
Men’s & Women’s 2nd Round
MAY 31 - WED
Day - 11:00 AM
Men’s & Women’s 3rd Round
MAY 31 - WED
Evening - 9:00 PM
Men’s & Women’s 3rd Round
JUN 01 - THU
Day - 11:00 AM
Men’s & Women’s 4th Round
JUN 01 - THU
Evening - 9:00 PM
Men’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 - SAT
Evening - 9:00 PM
3rd Round
JUN 04 - SUN
Day - 11:00 AM
4th Round
JUN 04 - SUN
Evening - 9:00 PM
4th Round
JUN 05 - MON
Day - 11:00 AM
4th Round
JUN 05 - MON
Evening - 9:00 PM
4th Round
JUN 06 - TUE
Day - 12:00 PM
Quarterfinals
JUN 06 - TUE
Evening - 5:00 PM
Quarterfinals
JUN 07 - WED
Day - 12:00 PM
Quarterfinals
JUN 07 - WED
Evening - 5:00 PM
Quarterfinals
JUN 08 - THU
Day - 2:00 PM
Semifinals
JUN 09 - FRI
Day - 3:00 PM
Men’s Semi Finals 1
JUN 09 - FRI
Evening - 7:00 PM
Men’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 PM
Men's Singles Final
(. . .continued on page 32)
2023 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
Session
32
Date
Time
Featured Matches
1
Mon, January 16, 2023
11:00 am
Men's and Women's 1st Round
2
Mon, January 16, 2023
7:00 pm
Men's and Women's 1st Round
3
Tue, January 17, 2023
11:00 am
Men’s and Women’s 1st Round
4
Tue, January 17, 2023
7:00 pm
Men’s and Women’s 1st Round
5
Wed, January 18, 2023
11:00 am
Men’s and Women’s 2nd Round
6
Wed, January 18, 2023
7:00 pm
Men’s and Women’s 2nd Round
7
Thu, January 19, 2023
11:00 am
Men’s and Women’s 2nd Round
8
Thu, January 19, 2023
7:00 pm
Men’s and Women’s 2nd Round
9
Fri, January 20, 2023
11:00 am
Men’s and Women’s 3rd Round
10
Fri, January 20, 2023
7:00 pm
Men’s and Women’s 3rd Round
11
Sat, January 21, 2023
11:00 am
Men’s and Women’s 3rd Round
12
Sat, January 21, 2023
7:00 pm
Men’s and Women’s 3rd Round
13
Sun, January 22, 2023
11:00 am
Men’s and Women’s 4th Round
14
Sun, January 22, 2023
7:00 pm
Men’s and Women’s 4th Round
15
Mon, January 23, 2023
11:00 am
Men’s and Women’s 4th Round
16
Mon, January 23, 2023
7:00 pm
Men’s and Women’s 4th Round
17
Tue, January 24, 2023
11:00 am
Men’s and Women’s Quarterfinals
18
Tue, January 24, 2023
7:00 pm
Men’s and Women’s Quarterfinals
19
Wed, January 25, 2023
11:00 am
Men’s and Women’s Quarterfinals
20
Wed, January 25, 2023
7:30 pm
Men’s and Women’s Quarterfinals
21
Thu, January 26, 2023
11:00 am
Women’s Semifinals
22
Thu, January 26, 2023
7:30 pm
Men’s Semifinal
23
Fri, January 27, 2023
3:00 pm
Mixed Doubles Semi /Women’s Doubles Final / Men’s Singles Semifinal
24
Sat, January 28, 2023
4:00 pm
Women’s Singles Final /Men’s Doubles Final
25
Sun, January 29, 2023
4:00 pm
Mixed Doubles Final /Men’s Singles Final
(. . .continued on page 34)
2023 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
DATE
34
PLAY START
SESSION
Mon, July 03
11:00 AM
Men's & Ladies' 1st Round
Tues, July 04
11:00 AM
Men's & Ladies' 1st Round
Wed, July 05
11:00 AM
Men's & Ladies' 2nd Round
Thurs, July 6
11:00 AM
Men's & Ladies' 2nd Round
Fri, July 07
11:00 AM
Men's & Ladies' 3rd Round
Sat, July 08
11:00 AM
Men's & Ladies' 3rd Round
Sun, July 09
11:00 AM
Men's & Ladies' 4th Round
Mon, July 10
11:00 AM
Men's & Ladies' 4th Round
Tues, July 11
11:00 AM
Men's Singles Quarterfinals Ladies’ Singles Quarterfinals
Wed, July 12
11:00 AM
Men's Singles Quarterfinals Ladies’ Singles Quarterfinals
Thurs, July 13
1:00 PM
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
Men's Singles Final, Ladies’ 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.
36
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 .I DENTITY T HEFT . GOV
Courtesy of Federal Trade Commission 37
DO YOU HAVE AN UP-TO-DATE
E S TATE PL AN?
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
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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. 39
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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SORY
r o f s d Tren
ACCES
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
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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 headband! Regardless of individual style, all can agree – now is the time to shine!
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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-honored 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 wedding. A country club also provides a familiar, picturesque venue. Expansive green spaces pair up with a stately ballroom to offer a magazine-worthy setting for a large indoor-outdoor wedding. Not a member of a nearby club? Some clubs are open to the public for events, while some private clubs will allow non-member weddings if the couple is “sponsored” by a member—meaning you just have to know someone who can connect you with the club’s in-house wedding planner. 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. Two words: lawn games 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
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