North East Florida 3 by The 55 Guide

NORTH EAST FLORIDA | VOL. 3

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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CO NTE NT S FEATURES 2

Philanthropy or Charity

Interior Design Trends

Estate Planning

Local Event Guide

24 Looking for Volunteers 26 Travel Destinations 30 Fashion Trends

2021 SCHEDULES 11

PGA Tournaments

LPGA Tournaments

Grand Slam Tennis Tournaments - Australian

Grand Slam Tennis Tournaments - French

Grand Slam Tennis Tournaments - Wimbledon

Grand Slam Tennis Tournaments - US Open

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NORTH EAST | FLORIDA | VOL . 3

PHILANTHROPY OR CHARITY

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.

NORTH EAST | FLORIDA | VOL . 3

also may offer some additional advantages. For example, a qualified charity may receive your IRA with no tax consequences since charities do not pay taxes. Appreciated assets are also beneficial as a gift to a charity, as capital gains tax can be avoided.

Both charity and philanthropy possess the same goals of addressing needs and making the world a better place but with different approaches. One deals with direct relief and the other with root causes and finding solutions. Is one better than the other? Of course not! They are just two different ways of solving problems and both are essential to the functioning of a decent society. Recently, there have been changes to the tax code regarding charitable giving. 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

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.

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r o f s d Tren

INTERIOR DESIGN

2021

Due to the events of 2020, people have more interest than ever in the design of their home environment. Being at home more means lots of lifestyle adjustments and being able to use space for multiple reasons is now imperative. It also makes us more aware of our surroundings. Whether it’s more comfort for all that zoom time, a functioning home office, craft room or remote learning space, adjustments need to be made. Zoom has become an integral part of most peoples’ lives as a way to maintain businesses and family relationships which means the right space for it is needed. It might be the office, dining room or even a comfortable

NORTH EAST | FLORIDA | VOL . 3

couch, but it’s recommended that the space faces a window for natural lighting. Try to avoid the bedroom. Have the camera slightly above eye level and consider the background. Bookshelves are nice as well, or a favorite painting – and the background color should complement one’s skin tone as well. If a designated office is now needed, a bedroom or extra closet can be converted with the installation of a built-in desk and shelves. The garage may be available for a craft room. In the end, it’s all about flexibility in these stay-at-home times. One simple way to make changes is thru the use of color. This year Pantone has named two colors to its yearly color of the year award - Ultimate Gray and Illuminating Yellow.

These are certainly appropriate choices for the year as they complement each other. Gray represents neutrality and balance and yellow represents the sun and sunflowers and is a happy color full of hope and positivity which is surely needed right now. It is easy to use these colors to brighten up a room without major expense. Accessories also are an easy way to add color and change an area’s vibe. New pillows, area rugs, throw blankets, or wall art will also freshen up any space. Start small and if the change is pleasing, continue on. Another easy change is adding selfadhesive removable wallpaper. It is great for a bathroom or closet and if it gets tiresome, it is easily removed.

NORTH EAST | FLORIDA | VOL . 3

Living walls are a new concept for residential use. Bring nature indoors with a wall of edible or decorative plants. They contribute to improved indoor air quality and people are happier, healthier and less stressed when surrounded by plants. If not quite ready for a living wall, just adding some plants or native orchids can make a huge difference. The most important design trends for 2021 are to make one’s home environment functional and comfortable for all the activities happening there.

NORTH EAST | FLORIDA | VOL . 3

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, 8

NORTH EAST | FLORIDA | VOL . 3

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.

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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.

NORTH EAST | FLORIDA | VOL . 3

2020-2021 PGA

TOURNAMENT SCHEDULE DATES

DEC 3 - 6 DEC 3 - 6 DEC 11 - 13 JAN 7 - 10 JAN 14 - 17 JAN 21 - 24 JAN 28 - 31 FEB 4 - 7 FEB 11 - 14 FEB 18 - 21 FEB 25 - 28 FEB 25 - 28 MAR 4 - 7 MAR 11 - 14 MAR 18 - 21 MAR 24 - 28 MAR 25 - 28 APR 1 - 4 APR 8 - 11 APR 15 - 18 APR 22 - 25

* Schedule subject to change

TOURNAMENT

DEFENDING CHAMPION

Mayakoba Golf Classic

Brendon Todd

Hero World Challenge

Henrik Stenson

QBE Shootout

Tiburon GC, Naples, FL

Rory Sabbatini, Kevin Tway

Sentry Tournament of Champions

Justin Thomas

Sony Open in Hawaii

Cameron Smith

The American Express

Andrew Landry $1,206,000

El Camaleon GC, Playa del Carmen, MEX Albany, New Providence, BAH

Plantation Course at Kapalua, Kapalua, Maui, HI Waialae Country Club, Honolulu, HI PGA WEST (Stadium), La Quinta, CA

Farmers Insurance Open Torrey Pines (South), San Diego, CA

$1,296,000 $1,000,000

$435,000

$1,340,000 $1,188,000

Marc Leishman $1,350,000

Waste Management Phoenix Open TPC Scottsdale, Scottsdale, AZ

Webb Simpson

AT&T Pebble Beach Pro-Am

Nick Taylor

The Genesis Invitational

Adam Scott

Puerto Rico Open

Viktor Hovland

World Golf Championships-Mexico Championship

Patrick Reed

Arnold Palmer Invitational presented by Mastercard

Tyrrell Hatton

Pebble Beach Golf Links, Pebble Beach, CA The Riviera Country Club, Pacific Palisades, CA Grand Reserve Country Club, Rio Grande, PUR Club de Golf Chapultepec, Mexico City, MEX Bay Hill Club & Lodge, Orlando, FL

$1,314,000 $1,404,000 $1,674,000 $540,000

$1,820,000 $1,674,000

THE PLAYERS Championship TPC Sawgrass, Ponte Vedra Beach, FL

The Honda Classic

PGA National (Champion), Palm Beach Gardens, FL

Sungjae Im $1,260,000

World Golf Championships-Dell Technologies Match Play Austin Country Club, Austin, TX

Corales Puntacana Resort & Club Championship Corales Golf Course, Punta Cana, DOM

Valero Texas Open

TPC San Antonio (AT&T Oaks), San Antonio, TX

Masters Tournament

Augusta National Golf Club, Augusta, GA

RBC Heritage

Harbour Town Golf Links, Hilton Head, SC

Webb Simpson $1,278,000

Zurich Classic of New Orleans TPC Louisiana, Avondale, LA

NORTH EAST | FLORIDA | VOL . 3

2020-2021 PGA

TOURNAMENT SCHEDULE DATES

TOURNAMENT

APR 29 MAY 2

Valspar Championship

MAY 6 - 9 MAY 13 - 16 MAY 20 - 23 MAY 27 - 30 JUN 3 - 6 JUN 10 - 13 JUN 17 - 20 JUN 24 - 27 JUL 1 - 4 JUL 8 - 11 JUL 15 - 18 JUL 15 - 18 JUL 22 - 25 JUL 29 AUG 1 AUG 5 - 8 AUG 5 - 8 AUG 12 - 15 AUG 19 - 22 AUG 26 - 29 SEP 2 - 5 12

* Schedule subject to change

DEFENDING CHAMPION

Innisbrook Resort (Copperhead), Palm Harbor, FL

Wells Fargo Championship Quail Hollow Club, Charlotte, NC

AT&T Byron Nelson

TPC Craig Ranch, McKinney, TX

PGA Championship

Collin Morikawa

Charles Schwab Challenge

Daniel Berger

The Memorial Tournament presented by Nationwide

Jon Rahm

KI Golf Rsrt. - Ocean Course, Kiawah Island, SC Colonial Country Club, Fort Worth, TX

Muirfield Village Golf Club, Dublin, OH

$1,980,000 $1,350,000 $1,674,000

RBC Canadian Open

St. George's G&CC, Toronto, ON, CAN

U.S. Open

Torrey Pines (South), San Diego, CA

Travelers Championship

Dustin Johnson

Rocket Mortgage Classic

Bryson DeChambeau

TPC River Highlands, Cromwell, CT

Detroit Golf Club, Detroit, MI

$1,332,000

$1,350,000

John Deere Classic TPC Deere Run, Silvis, IL

Barbasol Championship

Keene Trace Golf Club, Nicholasville, KY

The Open Championship

Royal St. George's GC, Sandwich, Kent, ENG

3M Open

TPC Twin Cities, Blaine, MN

Michael Thompson $1,188,000

Olympic Men's Golf Competition Kasumigaseki Country Club, Saitama, JPN

Barracuda Championship

Richy Werenski

World Golf Championships-FedEx St. Jude Invitational

Justin Thomas

Wyndham Championship

Jim Herman

THE NORTHERN TRUST

Dustin Johnson

BMW Championship

Jon Rahm

Tahoe Mt. Club (Old Greenwood), Truckee, CA TPC Southwind, Memphis, TN

Sedgefield Country Club, Greensboro, NC Liberty National Golf Club, Jersey City, NJ Caves Valley Golf Club, Owings Mills, MD

TOUR Championship

East Lake Golf Club, Atlanta, GA

$630,000

$1,820,000 $1,152,000

$1,710,000 $1,710,000

Dustin Johnson

NORTH EAST | FLORIDA | VOL . 3

2021 LPGA

TOURNAMENT SCHEDULE DATES

TOURNAMENT Diamond Resorts Tournament of Champions JAN 21-24 Four Seasons Orlando - Lake Buena Vista, FL FEB 25-28 Gainbridge Championship Drive On Championship at Golden Ocala pres. by MAR 4-7 JTBC Golden Ocala Golf and Equestrian Club - Ocala, FL Kia Classic MAR 25-28 Aviara Golf Club - Carlsbad, CA ANA Inspiration APR 1-4 Mission Hills Country Club - Rancho Mirage, CA LOTTE Championship APR 14-17 Ko Olina Golf Club - Kapolei, HI Hugel-Air Premia LA Open APR 22-25 Wilshire Country Club - Los Angeles, CA HSBC Women's World Championship APR 29-MAY2 Sentosa Golf Club (Serapong Course) - Singapore, Singapore Honda LPGA Thailand MAY6-9 Siam Country Club Pattaya Old Course - Pattaya City, Thailand Blue Bay LPGA MAY13-16 Jian Lake Blue Bay Golf Course - Hainan Island, China Pure Silk Championship MAY20-23 Kingsmill Resort Golf Course - Williamsburg, VA MAY26-30 Match Play Event TBD U.S. Women's Open JUN 3-6 Olympic Club (Lake Course) - San Francisco, CA LPGA MEDIHEAL Championship JUN 10-13 Lake Merced Golf Club - San Francisco, CA Meijer LPGA Classic JUN 17-20 Blythefield Country Club - Belmont, MI KPMG Women's PGA Championship JUN 24-27 Atlanta Athletic Club, The Highlands Course - Johns Creek, GA Volunteers of America Classic JUL1-4 Old American Golf Course - The Colony, TX Marathon LPGA Classic presented by Dana JUL8-11 Highland Meadows GC - Sylvania, OH Dow Great Lakes Bay Invitational JUL14-17 Midland CC (MI) - Midland, MI The Evian Championship JUL22-25 Evian Resort Golf Club - Évian-les-Bains, France

* Schedule subject to change

PURSE

DEFENDING CHAMPION

$1,200,000

Gaby Lopez

$2,000,000 $1,500,000

Danielle Kang

$1,800,000 $3,100,000

Mirim Lee

$2,000,000 $1,500,000 $1,600,000

$1,600,000 $2,100,000 $1,300,000 $1,500,000 $5,500,000

A Lim Kim

$1,800,000 $2,300,000 $4,300,000

Sei Young Kim

$1,500,000

Angela Stanford

$2,000,000

Danielle Kang

$2,300,000 $4,100,000

NORTH EAST | FLORIDA | VOL . 3

2021 LPGA

TOURNAMENT SCHEDULE DATES JUL29-AUG 1 AUG 12-15 AUG 19-22 AUG 26-29 SEP 4-6 SEP 16-19 SEP 24-26 OCT1-3 OCT7-10 OCT14-17 OCT21-24 OCT28-31 NOV4-7 NOV11-14 NOV18-21

TOURNAMENT Event TBD Ladies Scottish Open AIG Women's Open Carnoustie Golf Links - Carnoustie, Scotland CP Women's Open Shaughnessy G&CC - Vancouver, BC Solheim Cup Inverness Club - Toledo, OH Cambia Portland Classic Columbia Edgewater Country Club - Portland, OR Walmart NW Arkansas Championship pres. by P&G Pinnacle Country Club - Rogers, AR ShopRite LPGA Classic pres. by Acer Seaview Hotel and Golf Club - Galloway, NJ Founders Cup Mountain Ridge C.C. - West Caldwell, NJ Buick LPGA Shanghai Qizhong Garden Golf Club - Shanghai, China BMW Ladies Championship LPGA International Busan - Busan, South Korea Taiwan Swinging Skirts LPGA Miramar Golf Country Club - Taipei, Taiwan TOTO Japan Classic Seta Golf Course - Shiga, Japan Pelican Women's Championship Pelican G.C. - Belleair, FL CME Group Tour Championship Tiburon Golf Club - Naples, FL

* Schedule subject to change

PURSE

DEFENDING CHAMPION

$1,100,000 $1,500,000

Stacy Lewis

$4,500,000

Sophia Popov

$2,350,000

$1,400,000

Georgia Hall

$2,300,000

Austin Ernst

$1,750,000

Melissa Reid

$1,500,000 $2,100,000 $2,000,000 $2,200,000 $2,000,000 $1,750,000 $5,000,000

Sei Young Kim

LOCAL EVENTS GUIDE NORTH EAST FLORIDA PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

JUNE

JUNE 12 - 13 | BLUE ANGELS AIR SHOW A Blue Angels flight demonstration exhibits choreographed refinements of skills possessed by all naval aviators. You will see the graceful aerobatic maneuvers of the four-jet Diamond Formation, in concert with the fast-paced, high-performance maneuvers of its two Solo pilots. It’s an exciting weekend for the whole family! For more info visit: https://bit.ly/3kZvMLp JUNE 19 | RIVERSIDE ARTS MARKET At the Riverside Arts Market, enjoy the harvest of the agricultural arts by supporting Florida farmers. Pick up the freshest local produce of the week, Jacksonville! To remain sustainable, farmers depend on your weekly purchases, so come for the freshest produce and stay for the fun. Our community benefits from all of us staying “loyal to locals!” For more info visit: riversideartsmarket.com

JULY

JULY 3 | BBQ CHALLENGE The Florida BBQ Challenge is a live cooking competition and BBQ festival featuring live entertainment, vendors, and a kids play area. This family friendly event is fun for all ages while raising funds for the Child Cancer Fund. Come on by for some competition level BBQ! For more info visit: eatdrinkjacksonville.com JULY 4 | INDEPENDENCE DAY Enjoy live music, food vendors and spectacular free firework displays. Whether you are looking for a riverfront fireworks show in the heart of Downtown Jacksonville or in Jacksonville Beach at the Stars and Stripes at the Sea Walk Pavilion July 4th Celebration Jacksonville is where you’ll want to be this summer. For more info visit: https://bit.ly/33zQpbn

JULY 12 - 17 | KINGFISH TOURNAMENT & FESTIVAL Reel in a big one! This is the largest kingfish tournament in the country. Anglers of all experience levels are welcome. For more info visit: kingfishtournament.com

AUGUST

AUG 7 - 15 | CARIBBEAN CARNIVAL Come visit the Jacksonville Caribbean Carnival, to enjoy new experiences, get to know a new and diverse culture, and spoil yourself in our weekend’s festivities. For more info visit: jacksonvillecarnival.com AUG 20 - 21 | FL ANIMATION FILM FESTIVAL FL Animation Film Festival is Florida’s newest and coolest animated film festival. The festival will be screening a diverse selection of animation throughout the festival, from short films, music videos to new TV pilots. We strive to show the best original animated films by artists from our fair peninsula and around the world!For more info visit: flanimationfest.com

SEPTEMBER

SEPT 10 - 18 | COUNTY FAIR The biggest little fair in florida. Livestock shows, live entertainment, awesome midway, and some of the best fair food in town. Come on by with the whole family to enjoy all the fair has to offer! For more info visit: bakercountyfair.com SEPT 29 | JACKSONVILLE JAZZ FESTIVAL For 40 years, the Jacksonville Jazz Festival has brought music lovers together to enjoy an incredible weekend of food, drinks, community and of course music. What started from humble beginnings has grown into one of the largest and beloved Jazz Festivals in the country. Known for our distinguished lineups, magnificent riverfront stages and our one-of-a-kind premium experiences, there is no better way for you to experience the Festival! For more info visit: jacksonvillejazzfest.com

OCTOBER

OCT 3 - 10 | JAZZ FESTIVAL The Amelia Island Jazz Festival provides a rich, diverse cultural offering to the Amelia Island area by exposing people of all ages and backgrounds to the sounds, excitement and vitality of great jazz. For more info visit: ameliaislandjazzfestival.com OCT 15 - 17 | RHYTHM & RIBS Mark your calendars for the Annual Rhythm & Ribs Festival! This annual event includes award-winning BarB-Que from 7 regional and national BBQ Champions as well as continuous live music, arts & craft vendors, kids games, rides, and activities. The festival is hosted at Francis Field in St. Augustine and features amazing BBQ, outstanding live music, and fun activities for the whole family! For more info visit: rhythmandribs.net OCT 22 - 24 | SONGWRITERS FEST The St. Augustine Songwriters Festival will feature today’s hottest hit songwriters, legends of yesterday and the shining stars of tomorrow.

All the fantastic stages scattered about the beautiful town of St. Augustine.For more info visit: staugustinesongwritersfestival.com

NOVEMBER

NOV 2 - 7 | FIDDLER ON THE ROOF The original production won ten Tony Awards, including a special Tony for becoming the longest-running Broadway musical of all time.A wonderful cast and a lavish orchestra tell this heartwarming story of fathers and daughters, husbands and wives, and the timeless traditions that define faith and family. For more info visit: https://bit.ly/2RFL3Ii NOV 6 - 7 | RIGHT WHALE FEST The Right Whale Festival celebrates the annual return of endangered North Atlantic Right Whales to the warm coastal water off northeast Florida, where they give birth to and nurse their young. The festival highlights local efforts to protect these whales, as well as family fun, live music, arts and crafts, food, and so much more! For more info visit: rightwhalefestival.com 17

DECEMBER

DEC 1 - 31 | NIGHTS OF LIGHTS Nights of Lights has been listed among the top ten holiday light displays in the world by National Geographic. During Nights of Lights, St. Augustine glows with holiday magic – from the ground to the rooftops. St. Augustine’s Nights of Lights features millions of tiny white lights that create a magical atmosphere in the Nation’s Oldest City, and best of all it’s free of charge. For more info visit: https://bit.ly/2GjYqrN DEC 1 - 24 | CHRISTMAS CAROLE Everyone loves Charles Dickens’ holiday classic story about Ebenezer Scrooge and the ghosts that visit him and his miraculous transformation from an old, miserly curmudgeon to a new man bursting with joy and filled with Christmas spirit. For more info visit: alhambrajax.com

JANUARY

JAN 25 - 30 | DEAR EVAN HANSEN A letter that was never meant to be seen, a lie that was never meant to 18

be told, a life he never dreamed he could have. Evan Hansen is about to get the one thing he’s always wanted: a chance to finally fit in. Dear Evan Hansen is the deeply personal and profoundly contemporary musical about life and the way we live it. For more info visit: https://bit.ly/3goPkbt JAN 27 - 29 | BOAT SHOW The Jacksonville Marine Association invites you to join us at the Jacksonville Spring Boat Show! There will be a large variety of boats on display, from skiing, fishing, cruisers, personal water-crafts and more! For more info visit: boatjax.com

FEBRUARY

FEB 22 - 27 | CATS CATS, the record-breaking musical spectacular by Andrew Lloyd Webber that has captivated audiences from all over. Audiences and critics alike are rediscovering this beloved musical with breathtaking music, making this production a new CATS for a new generation! For more info visit: https://bit.ly/3csbcBF

FEB 25 - 26 | SPANISH WINE FEST The mission of the festival is to connect St. Augustine to our city’s Spanish history through a series of special events that feature Spanish wine, cuisine and culture. Remember to save the dates for the St. Augustine Spanish Wine Festival, as this year we have more than 100 Spanish wines available to taste! For more info visit: spanishwinefestival.com

MARCH

MARCH 5 - 6 | STRAWBERRY FEST Enjoy a weekend full of family fun and festivities, delicious food, art and crafts, live entertainment, everything strawberry that you can imagine and so much more! For more info visit: https://bit.ly/3czEtu2 MARCH 12 - 13 | CELTIC MUSIC & HERITAGE FESTIVAL Join us for the St. Augustine Celtic Music & Heritage Festival in the Nation’s Oldest City. This annual, threeday event begins with an ‘early-bird’ whiskey tasting followed by two

days of live music by the top Celtic performers in the world as well as authentic Celtic food, and highland games! For more info visit: celticstaugustine.com

APRIL

APRIL 1 - 3 | SPRINGING THE BLUES The Springing The Blues presented by Sawgrass Asset Management is one of the world’s finest blues music events. Please join us for three great days of blues on the beach!For more info visit: springingtheblues.com APRIL 30 - 31 | ST. JOHNS RIVER FESTIVAL OF THE ARTS Historic Downtown Sanford, Florida as the brick streets get transformed into an artist mecca for the annual St. Johns River Festival of the Arts – A Fine Arts & Fine Crafts Event with artwork from some of the best artists in the country. Come spend the day in beautiful Historic Downtown Sanford and take home a beautiful piece of art to add to your art collection. For more info visit: stjohnsriverartfest.com 19

NORTH EAST | FLORIDA | VOL . 3

2021 GRAND SLAM

TOURNAMENT SCHEDULE Date

Session

Wed - Fri 1/13-15

Rod Laver

Margaret Court

Outside Courts

11:00am

10:00am

Sat / Sun 1/16-17 Mon 1/18

Tue 1/19

Wed 1/20

Thu 1/21

Fri 1/22

Sat 1/23

Sun 1/24

Mon 1/25

Tue 1/26

Wed 1/27

Featured Matches Qualifying Rounds

NO PLAY Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

11:00am –

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

Day

11:00am

Night

7:00pm

–

1st round

2nd round

3rd round

4th round

Quarterfinals

Day

11:00am

Night

7:00pm

–

Thu 1/28

Day

11:00am

Night

7:00pm

–

1st Men’s Semifinals

Fri 1/29

Twilight

3:00pm

4:00 pm

3:00pm

2nd Men’s Semifinals

–

Twilight

11:00am

7:30pm

11:15am

–

Twilight

2:00pm

4:00pm

no play

–

Sat 1/30

Sun 1/31

* Schedule subject to change

Quarterfinals

Women’s Semifinals

Women’s Finals

Men’s Finals

NORTH EAST | FLORIDA | VOL . 3

2021 GRAND SLAM

TOURNAMENT SCHEDULE DATE

PLAY START

SESSION

SUN - MAY 23

Day - 11:00 AM

1st Round

MON - MAY 24

Day - 11:00 AM

1st Round

MON - MAY 24

Evening - 9:00 PM

1st Round

TUE - MAY 25

Day - 11:00 AM

1st Round

TUE - MAY 25

Evening - 9:00 PM

1st Round

WED - MAY 26

Day - 11:00 AM

2nd Round

WED - MAY 26

Evening - 9:00 PM

2nd Round

THU - MAY 27

Day - 11:00 AM

2nd Round

THU - MAY 27

Evening - 9:00 PM

2nd Round

FRI - MAY 28

Day - 11:00 AM

3rd Round

FRI - MAY 28

Evening - 9:00 PM

3rd Round

SAT - MAY 29

Day - 11:00 AM

3rd Round

SAT - MAY 29

Evening - 9:00 PM

3rd Round

SUN - MAY 30

Day - 11:00 AM

4th Round

SUN - MAY 30

Evening - 9:00 PM

4th Round

MON - MAY 31

Day - 11:00 AM

4th Round

MON - MAY 31

Evening - 9:00 PM

4th Round

* Schedule subject to change

TUE - JUNE 1

Day - 12:00 PM

Quarterfinals

TUE - JUNE 1

Evening - 5:00 PM

Quarterfinals

WED - JUNE 2

Day - 12:00 PM

Quarterfinals

WED - JUNE 2

Evening - 9:00 PM

Quarterfinals

THU - JUNE 3

Day - 2:00 PM

Semifinals

FRI - JUNE 4

Day - 3:00 PM

Semifinals

SAT - JUNE 5

Day - 3:00 PM

Women's Singles Final, Men's Doubles Final

SUN - JUNE 6

Day - 3:00 PM

Men's Singles Final

NORTH EAST | FLORIDA | VOL . 3

2021 GRAND SLAM

TOURNAMENT SCHEDULE

* Schedule subject to change

PLEASE NOTE: The Main Board of the All England Club (AELTC) and the Committee of Management of The Championships have decided to cancel the 2020 Wimbledon Championships due to COVID-19 and a concern for public health. The 2021 Wimbledon Championships will take place from June 28 – July 11, 2021. DATE

PLAY START

SESSION

Mon Jun 28

11:00 AM

First Round

Tues Jun 29

11:00 AM

First Round

Wed Jun 30

11:00 AM

Second Round

Thu Jul 1

11:00 AM

Second Round

Fri Jul 2

11:00 AM

Third Round

Sat Jul 3

11:00 AM

Third Round

Sun Jul 4

–

Mon Jul 5

11:00 AM

Round of 16

Tue Jul 6

11:00 AM

Womens Quarterfinals

Wed Jul 7

11:00 AM

Mens Quarterfinals

Thu Jul 8

11:00 AM

Womens Semifinals

Fri Jul 9

11:00 AM

Mens Semifinals

Sat Jul 10

11:00 AM

Womens Finals

Sun Jul 11

11:00 AM

Mens Finals

No Play

NORTH EAST | FLORIDA | VOL . 3

2021 GRAND SLAM

TOURNAMENT SCHEDULE SESSION

DATE

SCHEDULE

PLAY START

* Schedule subject to change ** Start Times Listed in EST

MATCHES

Sun 30 Aug

Day

11.00am

Men’s / Women’s 1st Round

Sun 30 Aug

Night

7.00pm

Men’s / Women’s 1st Round

Mon 31 Aug

Day

11.00am

Men’s / Women’s 1st Round

Mon 31 Aug

Night

7.00pm

Men’s / Women’s 1st Round

Tue 1 Sep

Day

11.00am

Men’s / Women’s 2nd Round

Tue 1 Sep

Night

7.00pm

Men’s / Women’s 2nd Round

Wed 2 Sep

Day

11.00am

Men’s / Women’s 2nd Round

Wed 2 Sep

Night

7.00pm

Men’s / Women’s 2nd Round

Thu 3 Sep

Day

11.00am

Men’s / Women’s 3rd Round

Thu 3 Sep

Night

7.00pm

Men’s / Women’s 3rd Round

Fri 4 Sep

Day

11.00am

Men’s / Women’s 3rd Round

Fri 4 Sep

Night

7.00pm

Men’s / Women’s 3rd Round

Sat 5 Sep

Day

11.00am

Men’s / Women’s Round of 16

Sat 5 Sep

Night

7.00pm

Men’s / Women’s Round of 16

Sun 6 Sep

Day

11.00am

Men’s / Women’s Round of 16

Sun 6 Sep

Night

7.00pm

Men’s / Women’s Round of 16

Mon 7 Sep

Day

11.00am

Men’s / Women’s Quarterfinals

Mon 7 Sep

Night

7.00pm

Men’s / Women’s Quarterfinals

Tue 8 Sep

Day

11.00am

Men’s / Women’s Quarterfinals

Tue 8 Sep

Night

7.00pm

Men’s / Women’s Quarterfinals

Wed 9 Sep

Night

7.00pm

Women’s Semifinals

Thu 10 Sep

Day

12.00pm

Mixed Doubles Final / Men’s Semifinals

Fri 11 Sep

Day

12.00pm

Men’s Doubles Final / Women’s Final

Sat 12 Sep

Day

1.00pm

Women’s Doubles Final / Men’s Final

NORTH EAST | FLORIDA | VOL . 3

ELDERSOURCE IS

LOOKING FOR VOLUNTEERS ElderSource, a nonprofit organization that works to empower elders and their caregivers age with dignity and independence, is currently recruiting volunteers in Duval and St. Johns counties to help people understand their Medicare benefits. Volunteers are vital part of ElderSource’s SHINE program (Serving Health Insurance Needs of Elders), which helps seniors make informed decisions about their Medicare health benefits and other health insurance issues. Leon King, a Duval resident living in Mandarin, has been a SHINE volunteer for two years and touts how this program is not only important to seniors, but a fulfilling volunteer opportunity. “I enjoy guiding them through the many choices they have when signing up for Medicare,” he explained. King has assisted approximately 500 people with their questions and problems about Medicare

Leon King “Being a SHINE volunteer has allowed me to help others while working from home. You can spend as little or as lot of time as you wish helping people with problems and answering questions. I would encourage anyone that enjoys learning and helping others to volunteer with the SHINE program,” said King.

and related programs. He gets the greatest satisfaction finding someone that qualifies for the Extra Help program from Social Security or the Medicare Savings Program from Medicaid. “These programs can make a huge difference in the life of a person with low income,” King said. “When I can tell someone that they will have an extra $148 in their monthly Social

NORTH EAST | FLORIDA | VOL . 3

Security check because the Medicare Savings Program will be paying their Part B premium or tell someone that the Extra Help program will be paying for that prescription drug that they cannot afford, that makes all the training and effort worthwhile.” SHINE is the only program of its kind that offers free and unbiased counseling on Medicare and health insurance issues. Volunteers receive basic training on Medicare, Medicare Part D (prescription drug program), Medicare Supplement Insurance and Medicaid, and in turn, serve as counselors to their peers on how to understand and capitalize on these insurance benefits. Computer experience is helpful, but not necessary, to be a volunteer.

Upon completion of the training, volunteers provide much-needed counseling with seniors to secure these complicated health insurance benefits. While SHINE volunteers are very busy during Open Enrollment (the period of time from October 15 to December 5 when Medicare beneficiaries can make changes to their plans), they counsel people year-round. Thousands of people turn 65 every day, making SHINE volunteers an invaluable resource to the community.

ElderSource is a nonprofit organization that provides information and resources to seniors, adults with disabilities and their caregivers so they can live well and independently. ElderSource, funded by the Department of Elder Affairs through state and federal grants, impacts the lives of over 12,000 seniors living in Baker, Clay, Duval, Flagler, Nassau, St. Johns and Volusia counties. SHINE is a program of the Florida Department of Elder Affairs, funded through a grant from the federal Centers for Medicare and Medicaid Services, and operated in partnership with the state’s 11 area agencies on aging.

To become a SHINE Volunteer or to receive more information call ElderSource at 904-391-6644. 25

NORTH EAST | FLORIDA | VOL . 3

TRENDING LOCATIONS TO VISIT THIS YEAR

TRAVEL IN 2021

2021 may be the time to “see the USA”, as international air travel will be determined by individual countries’ rules and re-openings. One can avoid airports and air travel by simply hitting the road. Vans and recreational vehicles have achieved widespread use in the last year and there is no shortage of great domestic destinations. See the Great Lakes Region in the north or explore the music cities of New Orleans, Memphis and Nashville in the south!

NORTHERN ROAD TRIP The Great Lakes area is an excellent place to start. From east to west, these lakes (Ontario, Erie, Huron, Michigan and Superior) span the states of New York, Pennsylvania, Ohio, Michigan, Indiana, Illinois, Wisconsin and Minnesota. The Great Lakes are the five largest interconnected lakes in the US and contain the largest freshwater supply in the

world supplying water to more than 40 million people. Unique to these lakes are rolling waves, strong currents, miles of sandy and rocky beaches and distant horizons. Attractions include great beaches, Niagara Falls, wildlife areas, charming small towns, large cities and many National parks. And for sports fans, there are magnificent stadiums and arenas for all major sports

NORTH EAST | FLORIDA | VOL . 3

leagues as well as for the Big Ten universities. Lake Erie, in New York is known for its reputed Loc-Ness-like sea monster which has reportedly been seen many times over the years. The US side of Niagara Falls is not to be missed either with breathtaking waterfalls and rapids. Michigan, which touches four of the five Great Lakes and possesses the longest fresh water coastline in the world, is host to Sleeping Bear Dunes National Lakeshore on Lake Michigan’s western shore. It is home to the largest freshwater sand dunes in the world. The tallest sand dune

at Sleeping Bear stands at 450 feet above the shore. In addition to sand dunes, Lake Michigan has a “Bermuda Triangle” where many strange occurrences have been reported: unexplained ship disappearances and missing planes as well as a Stonehengelike rock formation underwater near Traverse City. With some luck, one might even see a few black bears. Chicago, which is located on the shore of Lake Michigan, has it all - a big city with museums, restaurants and nightlife as well as Lake Shore Drive, a 15 mile urban parkway of green spaces and beaches along the lake. A road trip would provide a 27

NORTH EAST | FLORIDA | VOL . 3

fascinating and fun packed trip for any age group. Do the entire route from one end to the other or pick a particular lake area to concentrate on. With so many historic sights and national park areas, there are opportunities to appreciate all the diversity of our great country.

SOUTHERN ROAD TRIP New Orleans, on the Mississippi River, which is the “jazz capital of the world” and nicknamed the “Big Easy”. Visit the French Quarter and walk along Bourbon Street with its colorful buildings with cast iron balconies, fine Cajun restaurants, antique shops, and art galleries. Enjoy the street performers at Jackson Square in front of the famous Saint Louis Cathedral. From there, take the trolley out to the Garden District with its well preserved collection of historic homes from the 18th century. In addition, there is the New Orleans Zoo and Aquarium and be sure to visit the World War ll Museum. There is much to see and learn in New Orleans. Memphis Tennessee, which is known as the “Home of the Blues and Birthplace of Rock ‘n’ Roll” and famous for gospel, jazz, R&B, rap and soul as well. A must stop is Graceland, Elvis Presley’s mansion. In addition, there is the Rock ‘n’ Soul Museum, Blues Hall of Fame, and the Stax Museum of Soul Music. And for foodies, Memphis has a vibrant and diverse restaurant scene but

NORTH EAST | FLORIDA | VOL . 3

is best known for its slow-cooked dry rib barbecue ribs, maple bacon doughnuts and local coffee roasters. Nashville, which is the capital of Tennessee, and home to Vanderbilt University. It is often referred to as Music City. Visit the Grand Ole Opry, The Country Music Hall of Fame and Museum, and Ryman Auditorium. All are well known for Country Music. Besides the live music scene, there are interesting historic neighborhoods with boutiques, restaurants, and coffee shops. For some history, visit the home of President Andrew Jackson, considered to be the best preserved of all presidential homes, or Belle Meade Plantation which was part of the Battle for Nashville during the Civil War. There are so many choices for travel - whether looking for great views, live entertainment, or cultural and historic sites, we can find it all here in the USA.

NORTH EAST | FLORIDA | VOL . 3

r o f s Trend

AC C E S

S O RY

2021

After a year of 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

NORTH EAST | FLORIDA | VOL . 3

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

NORTH EAST | FLORIDA | VOL . 3

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!

RECOMMENDED SERVICE DIRECTORY

AGING RESOURCE CENTER Elder Source .................................................................5 SHINE ..............................................................................5 DISABILITY RESOURCE CENTER Elder Source .................................................................5 SHINE ..............................................................................5 EYEWEAR & CONTACT LENSES St. Johns Eye Associates.................. Front Cover, 1

RETIREMENT PLANNING Bill Cutler North Florida Financial .........................Back Cover Mary Cutler North Florida Financial .........................Back Cover VOLUNTEER PROGRAM Elder Source .................................................................5 SHINE ..............................................................................5

FINANCIAL PLANNING Bill Cutler North Florida Financial .........................Back Cover Mary Cutler North Florida Financial .........................Back Cover INSURANCE Chaz Adams - CMA Benefits ...............................10 MEDICARE Chaz Adams - CMA Benefits ...............................10 OPTOMETRY St. Johns Eye Associates.................. Front Cover, 1

North East Florida 3

Articles inside

Local Event Guide

Travel Destinations

Looking for Volunteers

Interior Design Trends

Fashion Trends

Philanthropy or Charity