Columbus OH

INTERIOR DESIGN IDEAS

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.

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.

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.

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

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

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.

TOURNAMENT SCHEDULE

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

* Schedule subject to change

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

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

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

TOURNAMENT SCHEDULE

DATES TOURNAMENT

MAR 23 - 26, 2023

MAR 30 - APR 2, 2023

APR 6 - 9, 2023

APR 13 - 16, 2023

APR 20 - 23, 2023

* Schedule subject to change

DEFENDING CHAMPION

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

APR 27 - 30, 2023 Mexico Open at Vidanta Vidanta Vallarta, Vallarta, MEX

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

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

JUN 22 - 25, 2023 Travelers Championship TPC River Highlands, Cromwell, CT

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

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

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

DATES TOURNAMENT

SEP 23-25, 2022

SEP 29 - OCT 2, 2022

Walmart NW Arkansas Championship presented by P&G Pinnacle Country Club, Rogers, Arkansas

PURSE

$2.3M

Volunteers of America Classic Old American G.C., The Colony, Texas $1.5M

OCT 6-9, 2022 LPGA MEDIHEAL Championship The Saticoy Club, Somis, California $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 $2.2M

NOV 3-6, 2022 TOTO Japan Classic Seta Golf Course, Shiga, Japan $2M

NOV 10-13, 2022 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 $1.5M

JAN 27-30, 2023 Gainbridge LPGA at Boca Rio Boca Rio Golf Club, Boca Raton, Florida

FEB 3-5, 2023 LPGA Drive On Championship Crown Colony Golf & Country Club, Fort Myers, Florida

$2M

$1.5M

MAR 3-6, 2023 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 $1.6M

MAR 24-27, 2023

MAR 31-APR 3, 2023

APR 13-16, 2023

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

APR 21-24, 2023 DIO Implant LA Open Wilshire Country Club, Los Angeles, CA

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

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

$2M

$1.5M

$1.5M

$3M

$1.5M

$10M

$1.75M

$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 $2.5M

The Amundi Evian Championship Evian Resort Golf Club, Evian-les-Bains, France

Trust Golf Women’s Scottish Open Dundonald Links, Ayrshire, Scotland

$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

AUG 25-28, 2023 CP Women’s Open Ottawa Hunt and Golf Club, Ottawa, Canada

SEP 1-4, 2023

Dana Open presented by Marathon Highland Meadows Golf Club, Sylvania, OH

SEP 8-11, 2023 Kroger Queen City Championship presented by P&G Kenwood Country Club, Kendale Course, Cincinnati, OH

$2.35M

$1.75M

$1.75M

GRAND SLAM TOURNAMENT SCHEDULE

PLAY START MATCHES

*

to change

Times Listed in

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 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

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

TOURNAMENT SCHEDULE

DATE PLAY START SESSION

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

TOURNAMENT SCHEDULE

* Schedule subject

Session Date TimeFeatured Matches

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

/Women’s

Men’s Singles Semifinal

Women’s Singles

Mixed

/Men’s

TOURNAMENT SCHEDULE

* Schedule subject to change

DATE PLAY START SESSION

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 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.

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:

Courtesy of Federal Trade Commission

DO YOU HAVE AN UP-TO-DATE

ESTATE PLAN?

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

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.

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.

PHILANTHROPY OR

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.

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.

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.

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.

Whether one chooses charity or philanthropy, the ultimate goal is to help the community by using personal skills and resources to make a difference.

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-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 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

Trends forACCESSORY

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!