WESTERN MI | MI | VOL. 5
FEATURES 6 Interior Design Ideas 12 T ime To Travel 18 Private Club Weddings 32 Identity Theft 34 Estate Planning 40 Philanthropy or Charity 44 Accessory Trends 48 Recommended Service Directory 6
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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.
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. 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.
CHOOSING COLORS IS AN IMPORTANT ELEMENT FOR THE DESIGN OF ANY HOME.
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.
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.
(. . .continued on page 10) 8
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.
These are transformative times and “Very Peri is a symbol of the global zeitgeist of the moment and the transition we are going through.”
yours!THE CHOICE IS 10
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.
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.
Or one can try periwinkle patterned wallpaper to create excitement on walls, ceilings or even cabinets.
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.
Visit the semi-circular Temple of the Sun which is built around an enormous boulder. See the Temple of the Moon and its
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.
(. . .continued on page 14) MACHU PICCHU PERU 12
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.
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.
TIME TO
(. . .continued on page 16) YUCATAN PENINSULA
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
Alongwatching.theYucatan
14
Therefauna.
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 MEXICO
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
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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 stayCancun for a city feel and Playa del Carmen for a small-town vibe and there is no shortage of allinclusive beach resorts.
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
Descending God or explore the underground caverns of LabnaHa Eco Park and consider snorkeling in the caves of Cenote Dos Ojos.
It’s a classic venue. A country club wedding has long been a time-hon ored tradition for couples with family ties to a members-only venue. Childhood memories of playing tennis or learning to expertly hit 18 holes can add sentimental meaning to a country club wed ding. A country club also provides a familiar, pictur esque venue. Expansive green spaces pair up with a stately ballroom to offer a magazine-worthy setting for a large indoor-outdoor
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 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.
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
Here are some reasons why country club wedding venues are among our favorites.
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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.
Two words: lawn games
Looking for an elegant and classic wedding venue to celebrate your big day? Country clubs are ideal for a variety of reasons.
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.
Xander Schauffele $1,400,000
Rory McIlroy
MAR 23 - 26, 2023
Augusta National Golf Club, Augusta, GA
Billy Horschel $2,160,000
Valero Texas Open
J.T. Posto $1,278,000
Max Homa $1,620,000
TPC San Antonio (Oaks Course), San Antonio, TX
DATES TOURNAMENT
MAY 11 - 14, 2023
AUG 10 - 13, 2023
PGA Championship
Will Zalatoris $2,700,000
J.J. Spaun $1,548,000
JUN 8 - 11, 2023
Xander Schauffele $1,494,000
TOUR Championship East Lake Golf Club, Atlanta, GA
Wyndham Championship Sedgefield Country Club, Greensboro, NC
JUN 15 - 18, 2023
P. Cantlay/X. Schauffele $1,199,350
JUL 13 - 16, 2023
Chad Ramey $ 666,000
TPC Craig Ranch, McKinney, TX
JUN 29 - JUL 2, 2023
2022-2023 PGA
Mexico Open at Vidanta Vidanta Vallarta, Vallarta, MEX
RBC Canadian Open Oakdale Golf & Country Club, Toronto, Ontario, CAN
The Los Angeles Country Club (North Course), Los Angeles, CA
Jon Rahm $1,314,000
MAY 4 - 7, 2023
Barbasol Championship Keene Trace Golf Club (Champions Course), Nicholasville, KY
Genesis Scottish Open
Chez Reavie $666,000
Puntacana Resort & Club (Corales Golf Course), Punta Cana, DOM
Matt Fitzpatrick $3,150,000
Zurich Classic of New Orleans Harbour Town Golf Links, Hilton Head Island, SC
3M Open
Tom Kim $1,314,000
FedEx St. Jude Championship
Q Oak HIll Country Club, Rochester, NY
* Schedule subject to change
DEFENDING CHAMPION
APR 13 - 16, 2023
AT&T Byron Nelson
JUL 13 - 16, 2023
Wells Fargo Championship Quail Hollow Club, Charlotte, NC
Corales Puntacana Championship
JUL 27 - 30, 2023
Patrick Cantlay Patrick Cantlay
20
APR 20 - 23, 2023
MAY 25 - 28, 2023
U.S. Open
Justin Thomas $2,700,000
Barracuda Championship Tahoe Mountain Club (Old Greenwood), Truckee, CA
JUN 1 - 4, 2023
Tony Finau $1,512,000
PC Deere Run, Silvis, IL
BMW Championship Olympia Fields Country Club (North Course), Olympia Fields, IL
AUG 24 - 27, 2023
JUL 20 - 23, 2023
AUG 3 - 6, 2023
John Deere Classic
Charles Schwab Challenge Colonial Country Club, Fort Worth, TX
Scottie Scheffler $2,700,000
Cameron Smith $2,500,000
JUL 20 - 23, 2023
Tony Finau $1,350,000
The Renaissance Club, North Berwick, SCO
JUL 6 - 9, 2023
AUG 17 - 20, 2023
The Open Championship Royal Liverpool, Hoylake, Wirral, ENG
Rory McIlroy $1,566,000
K.H. Lee $1,638,00
Rocket Mortgage Classic. Detroit Golf Club, Detroit, MI
Travelers Championship TPC River Highlands, Cromwell, CT
TOURNAMENT SCHEDULE
(. . .continued on page 22)
MAY 18 - 21, 2023
The Memorial Tournament presented by Workday Muirfield Village Golf Club, Dublin, OH
Masters Tournament
APR 6 - 9, 2023
Trey Mullinax $666,000
APR 27 - 30, 2023
Sam Burns $1,512,000
MAR 30 - APR 2, 2023
RBC Heritage Harbour Town Golf Links, Hilton Head Island, SC
Jordan Spieth $1,440,000
JUN 22 - 25, 2023
TPC Twin Cities, Blaine, MN
TPC Southwind, Memphis, TN
* Schedule subject to change
AUG 10 - 13, 2023
Xander Schauffele $1,494,000
RBC Heritage Harbour Town Golf Links, Hilton Head Island, SC
J.J. Spaun $1,548,000
DATES TOURNAMENT
Jordan Spieth $1,440,000
Zurich Classic of New Orleans Harbour Town Golf Links, Hilton Head Island, SC
The Memorial Tournament presented by Workday Muirfield Village Golf Club, Dublin, OH
John Deere Classic
Trey Mullinax $666,000
JUL 20 - 23, 2023
TPC San Antonio (Oaks Course), San Antonio, TX
AUG 3 - 6, 2023
3M Open TPC Twin Cities, Blaine, MN
JUN 8 - 11, 2023
Barbasol Championship Keene Trace Golf Club (Champions Course), Nicholasville, KY
Corales Puntacana Championship
TOURNAMENT SCHEDULE
APR 6 - 9, 2023
Mexico Open at Vidanta Vidanta Vallarta, Vallarta, MEX
Barracuda Championship Tahoe Mountain Club (Old Greenwood), Truckee, CA
MAR 30 - APR 2, 2023
Scottie Scheffler $2,700,000
Will Zalatoris $2,700,000
Tony Finau $1,350,000
Rory McIlroy
Puntacana Resort & Club (Corales Golf Course), Punta Cana, DOM Chad Ramey $ 666,000
Matt Fitzpatrick $3,150,000
Genesis Scottish Open
JUL 27 - 30, 2023
AUG 17 - 20, 2023
RBC Canadian Open Oakdale Golf & Country Club, Toronto, Ontario, CAN
PC Deere Run, Silvis, IL
The Los Angeles Country Club (North Course), Los Angeles, CA
Valero Texas Open
APR 13 - 16, 2023
Sam Burns $1,512,000
The Renaissance Club, North Berwick, SCO
BMW Championship Olympia Fields Country Club (North Course), Olympia Fields, IL
(. . .continued on page 24)
Justin Thomas $2,700,000
JUN 22 - 25, 2023
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JUL 6 - 9, 2023
Wells Fargo Championship Quail Hollow Club, Charlotte, NC
Jon Rahm $1,314,000
Max Homa $1,620,000
APR 20 - 23, 2023
K.H. Lee $1,638,00
Billy Horschel $2,160,000
DEFENDING CHAMPION
FedEx St. Jude Championship TPC Southwind, Memphis, TN
AUG 24 - 27, 2023
JUL 20 - 23, 2023
Charles Schwab Challenge Colonial Country Club, Fort Worth, TX
JUN 15 - 18, 2023
Rocket Mortgage Classic. Detroit Golf Club, Detroit, MI
APR 27 - 30, 2023
AT&T Byron Nelson
Cameron Smith $2,500,000
The Open Championship Royal Liverpool, Hoylake, Wirral, ENG
Chez Reavie $666,000
MAY 25 - 28, 2023
Xander Schauffele $1,400,000
MAY 4 - 7, 2023
2022-2023 PGA
MAR 23 - 26, 2023
PGA Championship
Masters Tournament
TOUR Championship East Lake Golf Club, Atlanta, GA
JUN 29 - JUL 2, 2023
Tom Kim $1,314,000
Augusta National Golf Club, Augusta, GA
P. Cantlay/X. Schauffele $1,199,350
Patrick Cantlay Patrick Cantlay
U.S. Open
Tony Finau $1,512,000
TPC Craig Ranch, McKinney, TX
Travelers Championship TPC River Highlands, Cromwell, CT
JUL 13 - 16, 2023
Wyndham Championship Sedgefield Country Club, Greensboro, NC
MAY 18 - 21, 2023
JUN 1 - 4, 2023
JUL 13 - 16, 2023
MAY 11 - 14, 2023
Q Oak HIll Country Club, Rochester, NY
Rory McIlroy $1,566,000
J.T. Posto $1,278,000
MAY 12-15, 2023
Volunteers of America Classic Old American G.C., The Colony, Texas $1.5M
Dana Open presented by Marathon Highland Meadows Golf Club, Sylvania, OH $1.75M
Pelican Women's Championship Pelican G.C., Belleair, Florida $2M
NOV 10-13, 2022
APR 21-24, 2023
DIO Implant LA Open Wilshire Country Club, Los Angeles, CA $1.5M
JUL 13-16, 2023
AUG 11-14, 2023
** Purse subject to
LPGA MEDIHEAL Championship
AIG Women’s Open Muirfield, East Lothian, Scotland $7.3M
MAR 31-APR 3, 2023
KPMG Women’s PGA Championship Congressional Country Club, Blue Course, Bethesda, MD $9M
The Saticoy Club, Somis, California $1.8M
JAN 27-30, 2023
The Chevron Championship Mission Hills Country Club, Dinah Shore Tournament Course, Rancho Mirage, CA $5M
The Amundi Evian Championship Evian Resort Golf Club, Evian-les-Bains, France $6.5M
MAR 24-27, 2023
JUN 23-26, 2023
CP Women’s Open Ottawa Hunt and Golf Club, Ottawa, Canada $2.35M
U.S. Women’s Open Presented by ProMedica Pine Needles Lodge and Golf Club, Southern Pines, NC $10M
OCT 20-23, 2022
SEP 8-11, 2023
FEB 3-5, 2023
APR 28- MAY 1, 2023
CME Group Tour Championship Tiburon G.C., Naples, Florida $7M
HSBC Women’s World Championship Sentosa Golf Club, Tanjong Course, Singapore $1.7M
JUL 28-31, 2023
Hilton Grand Vacations Tournament of Champions Lake Nona Golf and Country Club, Orlando, Florida $1.5M
TOTO Japan Classic
* Schedule subject to
JUL 21-24, 2023
Taiwan Swinging Skirts LPGA Miramar G.C., New Taipei City, Chinese Taipei $2.2M
SEP 29 - OCT 2, 2022
SEP 23-25, 2022
Siam Country Club, Pattaya Old Course, Chonburi, Thailand $1.6M
BMW Ladies Championship Korean location to be announced $2M
Palos Verdes Championship presented by Bank of America Palos Verdes Golf Club, Palos Verdes Estates, CA $1.5M
OCT 27-30, 2022
JUN 16-19, 2023
2022-2023 LPGA
change
ShopRite LPGA Classic Presented by Acer eaview, Bay Course, Galloway, NJ $1.75M
Dow Great Lakes Bay Invitational Midland Country Club, Midland, MI $2.5M
JAN 20-23, 2023
SEP 1-4, 2023
MAR 3-6, 2023
Walmart NW Arkansas Championship presented by P&G Pinnacle Country Club, Rogers, Arkansas $2.3M
ISPS Handa World Invitational presented by AVIV Clinics Galgorm Castle Golf Club / Massereene Golf Club, Antrim, Northern Ireland $1.5M
OCT 6-9, 2022
TOURNAMENT SCHEDULE
Cognizant Founders Cup Upper Montclair Country Club, Clifton, NJ $3M
APR 13-16, 2023
Bank of Hope LPGA Match-Play presented by MGM Rewards Shadow Creek, Las Vegas, NV $1.5M
LPGA Drive On Championship Crown Colony Golf & Country Club, Fort Myers, Florida $1.5M
Kroger Queen City Championship presented by P&G Kenwood Country Club, Kendale Course, Cincinnati, OH $1.75M
JUN 10-12, 2023
AUG 4-7, 2023
DATES TOURNAMENT PURSE
NOV 17-20, 2022
MAR 10-13, 2023
Gainbridge LPGA at Boca Rio Boca Rio Golf Club, Boca Raton, Florida $2M
Honda LPGA Thailand
Meijer LPGA Classic for Simply Give Blythefield Country Club, Belmont, MI $2.5M
change 24
Trust Golf Women’s Scottish Open Dundonald Links, Ayrshire, Scotland $2M
(. . .continued on page 28)
AUG 25-28, 2023
Seta Golf Course, Shiga, Japan $2M
LOTTE Championship presented by Hoakalei Hoakalei Country Club, Ewa Beach, Oahu, HI $2M
MAY 25-29, 2023
JUN 2-5, 2023
JTBC Classic presented by Barbasol Aviara Golf Club, Carlsbad, CA $1.5M
NOV 3-6, 2022
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8 Thu, 31 Aug Night 7.00pm Men’s / Women’s 2nd Round
** Start Times Listed in EST
2 Mon, 28 Aug Night 7.00pm Men’s / Women’s 1st Round
13 Sun, 3 Sep Day 11.00am Men’s / Women’s Round of 16
19 Wed, 6 Sep Day 12.00pm Men’s / Women’s Quarterfinals
21 Thu, 7 Sep Day 12.00pm Women’s Semifinals /
SESSIONDATE SCHEDULE PLAY START MATCHES
2023 GRAND SLAM TOURNAMENT SCHEDULE
24 Sat, 9 Sep Day 12:00pm
5 Wed, 30 Aug Day 11.00am Men’s / Women’s 2nd Round
14 Sun, 3 Sep Night 7.00pm Men’s / Women’s Round of 16
6 Wed, 30 Aug Night 7.00pm Men’s / Women’s 2nd Round
Men’s Doubles Final or Mixed Doubles Final / Men’s Semifinal 1
23 Fri, 8 Sep Night 7.00pm Men’s Semifinal 2
28
17 Tue, 5 Sep Day 12.00pm Men’s / Women’s Quarterfinals
10 Fri, 1 Sep Night 7.00pm Men’s / Women’s 3rd Round
16 Mon, 4 Sep Night 7.00pm Men’s / Women’s Round of 16
Mon, 28 Aug Day 11.00am Men’s / Women’s 1st Round
Sun, 10 Sep Day 1:00pm Women’s Doubles Final / Men’s Final
11 Sat, 2 Sep Day 11.00am Men’s / Women’s 3rd Round
7 Thu, 31 Aug Day 11.00am Men’s / Women’s 2nd Round
* Schedule subject to change
15 Mon, 4 Sep Day 11.00am Men’s / Women’s Round of 16
4 Tue, 29 Aug Night 7.00pm Men’s / Women’s 1st Round
20 Wed, 6 Sep Night 7.00pm Men’s / Women’s Quarterfinals
12 Sat, 2 Sep Night 7.00pm Men’s / Women’s 3rd Round
1
9 Fri, 1 Sep Day 11.00am Men’s / Women’s 3rd Round
3 Tue, 29 Aug Day 11.00am Men’s / Women’s 1st Round
18 Tue, 5 Sep Night 7.00pm Men’s / Women’s Quarterfinals
Mixed Doubles Final or Men’s Doubles Final / Women’s Final
22 Fri, 8 Sep Day 12.00pm
JUN 03 - SATEvening - 9:00 PM 3rd Round
DATE
JUN 05 - MONDay - 11:00 AM 4th Round
MAY 30 - MONDay - 11:00 AMMen’s & Women’s 1st Round
JUN 06 - TUE Day - 12:00 PM Quarterfinals
MAY 31 - WEDDay - 11:00 AMMen’s & Women’s 3rd Round
JUN 04 - SUNEvening - 9:00 PM 4th Round
MAY 29 - SUN Day - 11:00 AMMen’s & Women’s 1st Round
MAY 31 - WEDEvening - 9:00 PMMen’s & Women’s 3rd Round
TOURNAMENT SCHEDULE
MAY 31 - TUE Day - 11:00 AMMen’s & Women’s 2nd Round
JUN 07 - WEDEvening - 5:00 PM Quarterfinals
2023 GRAND SLAM
JUN 08 - THU Day - 2:00 PM Semifinals
MAY 31 - TUEEvening - 9:00 PMMen’s & Women’s 2nd Round
JUN 01 - THU Day - 11:00 AMMen’s & Women’s 4th Round
JUN 02 - FRI Evening - 9:00 PM 3rd Round
JUN 07 - WED Day - 12:00 PM Quarterfinals
JUN 09 - FRI Day - 3:00 PMMen’s Semi Finals 1
PLAY START SESSION
JUN 02 - FRI Day - 12:00 PM 3rd Round
JUN 06 - TUEEvening - 5:00 PM Quarterfinals
JUN 04 - SUN Day - 11:00 AM 4th Round
* Schedule subject to change 29
JUN 09 - FRI Evening - 7:00 PMMen’s Semi Finals 2
JUN 03 - SAT Day - 12:00 AM 3rd Round
JUN 05 - MONEvening - 9:00 PM 4th Round
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
JUN 01 - THUEvening - 9:00 PMMen’s & Women’s 4th Round
MAY 30 - MONEvening - 9:00 PMMen’s & Women’s 1st Round
Mixed Doubles Semi /Women’s Doubles Final / Men’s Singles Semifinal
TOURNAMENT SCHEDULE
2Mon,January16,20237:00pmMen'sandWomen's1stRound
6Wed,January18,20237:00pmMen’sandWomen’s2ndRound
16Mon,January23,20237:00pmMen’sandWomen’s4thRound
1Mon,January16,202311:00amMen'sandWomen's1stRound
2023 GRAND SLAM
19Wed,January25,202311:00am
22Thu,January26,20237:30pm
15Mon,January23,202311:00amMen’sandWomen’s4thRound
Men’s and Women’s Quarterfinals
14Sun,January22,20237:00pmMen’sandWomen’s4thRound
11Sat,January21,202311:00amMen’sandWomen’s3rdRound
Men’s Semifinal
Mixed Doubles Final /Men’s Singles Final
17Tue,January24,202311:00am
Men’s and Women’s Quarterfinals
21Thu,January26,202311:00am
23Fri,January27,20233:00pm
*
12Sat,January21,20237:00pmMen’sandWomen’s3rdRound
7Thu,January19,202311:00amMen’sandWomen’s2ndRound
5Wed,January18,202311:00amMen’sandWomen’s2ndRound
13Sun,January22,202311:00amMen’sandWomen’s4thRound
10Fri,January20,20237:00pmMen’sandWomen’s3rdRound
3Tue,January17,202311:00amMen’sandWomen’s1stRound
25Sun,January29,20234:00pm
Schedule subject to change 30
18Tue,January24,20237:00pm
Men’s and Women’s Quarterfinals
Session Date TimeFeatured Matches
9Fri,January20,202311:00amMen’sandWomen’s3rdRound
24Sat,January28,20234:00pm
8Thu,January19,20237:00pmMen’sandWomen’s2ndRound
Women’s Singles Final /Men’s Doubles Final
4Tue,January17,20237:00pmMen’sandWomen’s1stRound
Men’s and Women’s Quarterfinals
Women’s Semifinals
20Wed,January25,20237:30pm
Wed, July 05 11:00 AMMen's & Ladies' 2nd Round
Tues, July 04 11:00 AMMen's & Ladies' 1st Round
Tues, July 11 11:00 AM Men's Singles Quarterfinals Ladies’ Singles Quarterfinals
Thurs, July 13 1:00 PM Ladies' Singles Semifinals Mixed Doubles Final
Fri, July 07 11:00 AMMen's & Ladies' 3rd Round
Ladies' Singles Final, Men's Doubles Final,
Men's Singles Final, Ladies’ Doubles Final
* Schedule subject to change
Sat, July 15 2:00 PM
Sun, July 16 2:00 PM
31
Thurs, July 6 11:00 AMMen's & Ladies' 2nd Round
TOURNAMENT SCHEDULE
Mon, July 10 11:00 AMMen's & Ladies' 4th Round
DATE PLAY START SESSION
2023 GRAND SLAM
Sun, July 09 11:00 AMMen's & Ladies' 4th Round
Wed, July 12 11:00 AM Men's Singles Quarterfinals Ladies’ Singles Quarterfinals
Fri, July 14 1:00 PM Men's Singles Semifinals
Sat, July 08 11:00 AMMen's & Ladies' 3rd Round
Mon, July 03 11:00 AMMen's & Ladies' 1st Round
The important thing is to take all the necessary steps to prevent it.
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.
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
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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.
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.
Check your bank account for withdrawals not made by you
In addition to taking steps to protect your information, there are things to do to detect identity theft.Track
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.
Courtesy of Federal Trade Commission
If you discover that someone is misusing your personal information visit: www .I dent I ty t heft . gov
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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
Get and review your credit reports, as accounts you don’t recognize could be a sign of identity theft.
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.
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Wills
ESTATE PLAN?
DO YOU HAVE AN UP-TO-DATE
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
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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
living trust
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.
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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.
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This article is for informational purposes only. Please consult a professional.
Ainstruments.well-executed
Beneficiary designations explain who receives which assets such as an IRA, insurance policy, savings account, or other financial
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CHARITY
PHILANTHROPY
PHILANTHROPYORCHARITY
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.
According to the Dictionary, charity and philanthropy are two different things.
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.
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.
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
also may offer some additional advantages. For example, a qualified charity may receive your IRA with no tax consequences since charities do not pay taxes. Appreciated assets are also beneficial as a gift to a charity, as capital gains tax can be avoided.
Another way to contribute is through a community foundation, which is a grant making public charity that is dedicated to improving lives in a particular community. Individuals, families, businesses and non-profit groups establish funds within the foundation in which they can contribute assets for charitable purposes. The foundation manages the assets and takes suggestions from those that set up the fund on how and where to distribute the resources. There are over 700 community foundations in the United States.
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Recently, there have been changes to the tax code regarding charitable giving.
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.
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Trends forACCESSORY
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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 over-
Theaccessorize.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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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.
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!
Hair ornaments of all sizes
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”.
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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!
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