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.
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.
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.
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.
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, 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
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.
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
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
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.
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 DENTITY T HEFT . GOV
Courtesy of Federal Trade Commission
DATES TOURNAMENT
SEP 15 - 18, 2022
Fortinet Championship Silverado Resort and Spa (North Course), Napa, CA
SEP 22 - 25, 2022 Presidents Cup Quail Hollow Club, Charlotte, NC
SEP 29 - OCT 2, 2022
OCT 6 - 9, 2022
OCT 13 - 16, 2022
OCT 20 - 23, 2022
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
OCT 27 - 30, 2022 tter e er h io hi Port Royal Golf Course, Southampton, BER
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
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 e i iera untr lu a ifi alisades
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
DEFENDING CHAMPION
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
DATES TOURNAMENT
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 illage l lu u lin
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 untr lu reens r
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
change
DEFENDING CHAMPION
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
subject to change
SEP 23-25, 2022
Walmart NW Arkansas Championship presented by P&G Pinnacle Country Club, Rogers, Arkansas
SEP 29 - OCT 2, 2022 Volunteers of America Classic Old American G.C., The Colony, Texas
OCT 6-9, 2022
LPGA MEDIHEAL Championship The Saticoy Club, Somis, California
$2.3M
$1.5M
$1.8M
OCT 20-23, 2022 BMW Ladies Championship Korean location to be announced $2M
OCT 27-30, 2022 Taiwan Swinging Skirts LPGA Miramar G.C., New Taipei City, Chinese Taipei
TOTO Japan Classic
NOV 3-6, 2022
NOV 10-13, 2022
$2.2M
Seta Golf Course, Shiga, Japan $2M
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
JAN 27-30, 2023
FEB 3-5, 2023
MAR 3-6, 2023
$1.5M
Gainbridge LPGA at Boca Rio Boca Rio Golf Club, Boca Raton, Florida $2M
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
MAR 10-13, 2023 Honda LPGA Thailand Siam Country Club, Pattaya Old Course, Chonburi, Thailand
MAR 24-27, 2023
MAR 31-APR 3, 2023
APR 13-16, 2023
$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 Palos Verdes Championship presented by Bank of America Palos Verdes Golf Club, Palos Verdes Estates, CA $1.5M
MAY 12-15, 2023
Cognizant Founders Cup Upper Montclair Country Club, Clifton, NJ $3M
MAY 25-29, 2023 Bank of Hope LPGA Match-Play presented by MGM Rewards Shadow Creek, Las Vegas, NV $1.5M
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
U.S. Women’s Open Presented by ProMedica Pine Needles Lodge and Golf Club, Southern Pines, NC $10M
ShopRite LPGA Classic Presented by Acer eaview, Bay Course, Galloway, NJ $1.75M
Meijer LPGA Classic for Simply Give l t efield untr lu elm nt M $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
The Amundi Evian Championship Evian Resort Golf Club, Evian-les-Bains, France
Trust Golf Women’s Scottish Open Dundonald Links, Ayrshire, Scotland
$2.5M
$6.5M
$2M
AIG Women’s Open Muirfield ast L t ian S tland $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
1 Mon, 28 Aug Day 11.00am
2 Mon, 28 Aug Night 7.00pm
Men’s / Women’s 1st Round
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
5 Wed, 30 Aug Day 11.00am
Men’s / Women’s 1st Round
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
13 Sun, 3 Sep Day 11.00am
Men’s / Women’s 3rd Round
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
16 Mon, 4 Sep Night 7.00pm
17 Tue, 5 Sep Day 12.00pm
Men’s / Women’s Round of 16
Men’s / Women’s Round of 16
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 men’s Semifinals
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
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
21Thu,January26,202311:00am
22Thu,January26,20237:30pm
23Fri,January27,20233:00pm
24Sat,January28,20234:00pm
25Sun,January29,20234:00pm
Men’s and Women’s Quarterfinals
Men’s and Women’s Quarterfinals
Men’s and Women’s Quarterfinals
Men’s and Women’s Quarterfinals
Women’s Semifinals
Men’s Semifinal
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
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
Sun, July 16 2:00 PM
Ladies' Singles Final, Men's Doubles Final,
Men's Singles Final, Ladies’ Doubles Final
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.
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 is the process of designating who will manage and distribute assets after death or incapacitation. It is a more intensive process and includes a variety of documents including the last will and testament. While it may be overwhelming to contemplate, a well-designed estate plan will ensure that assets are distributed according to one’s wishes. In addition to the last
will and testament, an estate plan might include a living will, a financial power of attorney, a living trust, and beneficiary designations. An estate plan can be particularly helpful in the case of multiple marriages, business ownership, specific charitable donations, or specific requests for health or property. It can also ensure wishes are carried out and that assets are distributed as designated.
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.
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.
After staying in the house, wearing sweats and other assorted quarantine gear, it is time for a change. Many are now finally ready to dress up, even while still wearing masks and social distancing. Break out all of those accessories that piled up from months of online shopping. Nobody will judge if you overaccessorize.
The new year brings changing trends in jewelry, both traditional and avant-garde. Pearls have always been in, but we are now seeing more of the freshwater variety. They have a more contemporary look. From pearl drop earrings to layered necklaces that mix
pearls with other materials, pearls work for all occasions. There are also personalized extra-long pendant necklaces and charm bracelets. Colorful beads are always a hit, whether worn as earrings, necklaces, or bracelets. Chain link necklaces and bracelets with attached charms are also hot at the moment. And feel free to
stack rings on a couple fingers while you’re at it!
A brand new trend is mismatched earrings or simply wearing one dramatic shoulder grazing earring. Of course two shoulder length earrings also work. Mixing and matching different textures is also very popular. Instead of smooth gold hoops, go for a textured pair in silver; silver has made a huge comeback.
Several top designers have moved towards mini handbags recently, often on long chains. They can even be worn as a necklace. And of course, let’s not forget about diamonds. They remain at the top of the food chain. Just ask Marilyn Monroe -“Diamonds Are A Girl’s Best Friend”.
Hair ornaments of all sizes
can make a powerful fashion statement. There are a multitude of choices from traditional headbands to pearl hairpins or hair clips, barrettes, and even scrunchies. They come in a variety of fabrics from velvet to fur to leather. Most popular are headbands embellished with pearls, rhinestones or feathers. You’ll always look chic with a headband!
Regardless of individual style, all can agree – now is the time to shine!
