CHICAGO | IL | VOL. 6
FE AT URES 2
Interior Design Ideas
8
Travel Destinations
24 Identity Theft 26 Estate Planning 30 Food Trends 34 Philanthropy or Charity
TOURNAMENT SCHEDULES 12
PGA Tournaments
14
LPGA Tournaments
18
Grand Slam Tennis Tournaments - US Open
20
Grand Slam Tennis Tournaments - French
21
Grand Slam Tennis Tournaments - Australian
22
Grand Slam Tennis Tournaments - Wimbledon
36
Recommended Service Directory
INTERIOR DESIGN TRENDS FOR 2023
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. (. . .continued on page 4)
2
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
4
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
5
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
clients wanting jewel tones in blues,
can improve mood, focus and sleep
greens and even rust, which creates a
patterns which will improve one’s
cozier environment. This is part of the
health.
eco-friendly trend of the last few years which incorporates elements of nature.
It looks like 2023 may bring with
Gold will also be popular as an accent
it the end of the white wall trend.
color.
Currently,
6
designers
are
reporting
- TRAVEL TO -
If you haven’t been to Africa and are looking for an amazing experience, consider a safari. The only question is where to start, as there are many African countries with amazing national parks and various wildlife, all of which can provide a once-in-alifetime vacation. The top countries for safaris are Tanzania, Kenya, South Africa, Namibia and Botswana.
MASAI MARA JUNE - OCTOBER Masai Mara National Reserve is the most famous. It is known for its herds of plains’ game which include Masai lions, African leopards and Tanzanian cheetahs. The park is also home to the annual migration of zebra, gazelle and wildebeest to and from the Serengeti in Tanzania. (. . .continued on page 10)
8
LAKE NAKURU
AMBOSELI
ANYTIME
JUNE & OCTOBER
Lake Nakuru National Park is known for pink flamingos flocking along the shore of the lake. Also notable are the park’s white rhinos, warthogs, giraffes, zebras, hippos, ostriches and lions.
TSA-
SAMBURU
MAY - OCTOBER
ANYTIME
Tsavo National Park, which is made up of two smaller parks, is the largest in Kenya and also the most remote. Famous for elephants playing in the Galana River, you will also find 500 species of birds and also giraffes, gazelles, lions, antelopes, impalas, hyenas and oryx.
10
Amboseli National Park is best known for its view of Mount Kilimanjaro and over 300 species of birds. You will also see zebras, wildebeests, hyenas, lions, cheetahs, buffalo, jackals, giraffes and leopards.
Samburu Game Reserve is known for rare species such as Grevy’s zebra, Somali ostrich, and the Beisa Oryx. It is also home to around 900 elephants as well as lions, leopards, cheetahs and over 450 bird species. It is also famous for Kamunyak, the lioness that adopted 6 baby oryx.
Tanzania There are 22 national parks in Tanzania, making it difficult to decide where to go. Serengeti, which is a UNESCO world heritage site, and Ngorongoro are the largest and most popular destinations and are often toured together along with Lake Manyara National Park. You will spot the big five mammals buffaloes, elephants, rhinos, leopards and lions as well as giraffes, zebras, hippos and 500 species of birds on your nature walk, game drive, or in a hot air balloon.
NGORONGORO APRIL - MAY
LAKE MANYARA JUNE - OCTOBER Lake Manyara Park was established to protect large herds of elephants and is also famous for tree-climbing lions. With its beautiful setting on the lake, it is perfect for viewing pink flamingos and over 400 species of birds.
The Ngorongoro Conservation Centre (world heritage site) is known for the Crater which was formed when an ancient volcano exploded and collapsed on itself, creating vast plains that attracted wild life. The big five can be viewed here as well as black rhino. The Massai tribe still grazes their livestock here. Also, the Olduval Gorge is found here. This is where the Leakeys, in 1959, discovered evidence of human origins, fossilized bones, and stone tools dating back millions of years.
11
2022-2023 PGA TOURNAMENT SCHEDULE
12
* 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
2022-2023 PGA TOURNAMENT SCHEDULE
* 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
r
Tom Kim $1,314,000
13
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
14
* Schedule subject to change ** Purse subject to change
TOURNAMENT
PURSE
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
$2.3M $1.5M $1.8M $2M $2.2M $2M $2M $7M $1.5M $2M $1.5M $1.7M $1.6M $1.5M
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
$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 18)
2023 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change ** Start Times Listed in EST
SESSION
18
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 20)
2023 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
DATE
20
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
2023 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
Session
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
21
2023 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
DATE
22
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.
24
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 25
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. (. . .continued on page 28)
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A COMPLETE ESTATE PLAN
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POWER OF ATTORNEY
MEDICAL CARE DIRECTIVE
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 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.
REVOCABLE LIVING TRUST
WILL
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 trust is that your assets avoid time consuming and expensive probate.
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 other personal items.
d o o F Health
TRENDS FOR 2023 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
30
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
31
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
32
• PROMOTE YOUR BRAND • EARN NEW CLIENTS • GROW YOUR BUSINESS
W W W . P R I V AT E C L U B F O C U S . C O M
PHILANTHROPY OR CHARIT Y
According to the Dictionary, charity and philanthropy are two different things. CHARITY 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.
34
PHILANTHROPY 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.
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.
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.
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.
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 35
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