Orange County CA - 8

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ORANGE COUNTY CALIFORNIA | VOL. 8

TOP 10 WAYS TO PREPARE FOR RETIREMENT

Saving Matters! Remember

Financial security in retirement doesn’t just happen. It takes planning and commitment and, yes, money.

FACTS

✔ Only about half of Americans have calculated how much they need to save for retirement.

✔ The average American spends roughly 20 years in retirement.

Putting money away for retirement is a habit we can all live with.

1. START SAVING, KEEP SAVING, & STICK TO YOUR GOALS!

If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you’re not saving, it’s time to get started.

Start small if you have to and try to increase the amount you save each month. The sooner you start saving, the more time your money has to grow. Devise a plan, stick to it, and set goals. Remember, it’s never too early or too late to start saving.

(. . .continued on page 6)

2. KNOW YOUR RETIREMENT NEEDS!

Retirement is expensive. Experts estimate that you will need 70 to 90 percent of your preretirement income to maintain your standard of living when you stop working. Take charge of your financial future. The key to a secure retirement is to plan ahead.

3. CONTRIBUTE TO YOUR EMPLOYER’S RETIREMENT SAVINGS PLAN!

If your employer offers a retirement savings plan, such as a 401(k) plan, sign up and contribute all you can. Your taxes will be lower, your company may kick in more, and automatic deductions make it easy. Over time, compound interest and tax deferrals make a

big difference in the amount you will accumulate. Find out about your plan. For example, how much would you need to contribute to get the full employer contribution and how long would you need to stay in the plan to get the money.

4. LEARN ABOUT YOUR EMPLOYER’S PENSION PLAN!

If your employer has a traditional pension plan, check to see if you are covered by the plan and understand how it works. Ask for an individual benefit statement to see what your benefit is worth. Before you change jobs, find out what will happen to your pension benefit. Learn what benefits you may have from a previous employer. Find out if you will be entitled to benefits from your spouse’s plan.

5. CONSIDER BASIC INVESTMENT PRINCIPLES!

How you save can be as important as how much you save. Inflation and the type of investments you make play important roles in how much you’ll have saved at retirement. Know how your savings or pension plan is invested. Learn about your plan’s investment options and ask questions. Put your savings in different types of investments. By diversifying this way, you are more likely to reduce risk and improve return. Your investment mix may change over time depending on a number of factors such as your age, goals, and financial circumstances. Financial security and knowledge go hand in hand.

6. DON’T TOUCH YOUR RETIREMENT SAVINGS!

If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.

7. ASK YOUR EMPLOYER TO START A PLAN!

If your employer doesn’t offer a retirement plan, suggest that it start one. There are a number of retirement saving plan options available. Your employer may be able to set up a simplified plan that can help both you and your employer.

8. PUT MONEY INTO AN INDIVIDUAL RETIREMENT ACCOUNT!

You can put up to $6,500 a year into an individual Retirement Account (IRA); you can contribute even more if you are 50 or older. You can also start with much less. IRAs also provide tax advantages. When you open an IRA, you have two options – a traditional IRA or Roth IRA. The tax treatment of your contributions and withdrawals will depend on which option you select. Also, the after-tax value of your withdrawal will depend on

inflation and the type of IRA you choose. IRAs can provide an easy way to save. You can set it up so that an amount is automatically deducted from your checking or savings account and deposited in the IRA.

9. FIND OUT ABOUT YOUR SOCIAL SECURITY BENEFITS!

On average, Social Security retirement benefits replace 40 percent of pre-retirement income for retirement beneficiaries. The amount of your wages that Social Security retirement benefits replace varies depending on your earnings and the age you choose to start receiving benefits. You may be able to estimate your benefit by using the retirement estimator on the Social Security Administration’s website.

10. ASK QUESTIONS!

While these tips are meant to point you in the right direction, you’ll need more information. Talk to your employer, your bank, your union, or a financial adviser. Ask questions and make sure you understand the answers. Get practical advice and act now.

Courtesy of US Dept. of Labor

BANANA DATE NUT BREAD

• 3 ripe bananas mashed

• 2 eggs

• 1 stick butter

• 1 cup unbleached flour

• 1 cup whole wheat flour

• 1/2 cup shelled walnuts chopped

• 3/4 cup Medjool dates chopped and pitted blitzed with 1/4 cup water in a blender ( or 3/4 cup of sugar without water)

• 1 tsp baking soda

• 1/2 tsp salt

• 1 tsp vanilla extract

• Preheat the oven to 350 degrees

• Grease a 9x5x3 bread pan

• Cream butter and date mixture

• Add eggs one at a time, beating well

• Sift flour, baking soda, and salt and add to creamed mixture

• Fold in mashed bananas, vanilla and walnuts

• Pour mixture into the bread pan

• Bake for 50-60 minutes or until the toothpick comes out clean

• Cool for 10 minutes and then put on a rack

2025 PGA TOURNAMENT SCHEDULE

SCHEFFLER $3,600,000 * Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour

FEB 6 - 9

FEB 13 - 16

FEB 20 - 23

FEB 27 - MAR 2

MAR 6 - 9

WM Phoenix Open TPC Scottsdale (Stadium Course) • Scottsdale, AZ • USA

The Genesis Invitational + The Riviera Country Club • Pacific Palisades, CA • USA

Mexico Open at VidantaWorld VidantaWorld • Vallarta • MEX

Cognizant Classic in The Palm Beaches PGA National Resort (The Champion Course) • Palm Beach Gardens, FL • USA

Arnold Palmer Invitational presented by Mastercard + Arnold Palmer’s Bay Hill Club & Lodge • Orlando, FL • USA

MAR 6 - 9

MAR 13 - 16

MAR 20 - 23

MAR 27 - 30

APR 3 - 6

APR 10 - 13

Puerto Rico Open

Grand Reserve Golf Club • Rio Grande • PUR

THE PLAYERS Championship

TPC Sawgrass (THE PLAYERS Stadium Course) • Ponte Vedra Beach, FL • USA

Valspar Championship Innisbrook Resort (Copperhead Course) • Palm Harbor, FL • USA

Texas Children’s Houston Open Memorial Park Golf Course • Houston, TX • USA STEPHAN JAEGER $1,638,000

Valero Texas Open

TPC San Antonio (Oaks Course) • San Antonio, TX • USA

Masters Tournament

Augusta National Golf Club • Augusta, GA • USA

2025 PGA TOURNAMENT SCHEDULE

DATES TOURNAMENT

* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour

APR 17 - 20

APR 17 - 20

APR 24 - 27

RBC Heritage + Harbour Town Golf Links • Hilton Head Island, SC • USA

Corales Puntacana Championship

Puntacana Resort & Club (Corales Golf Course) Punta Cana • DOM

Zurich Classic of New Orleans TPC Louisiana • Avondale, LA • USA

MAY 1 - 4 THE CJ CUP Byron Nelson TPC Craig Ranch •McKinney, TX • USA

MAY 8 - 11 Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA

MAY 8 - 11

MAY 15 - 18

Myrtle Beach Classic Dunes Golf and Beach Club • Myrtle Beach, SC • USA

PGA Championship

Quail Hollow Club • Charlotte, NC • USA

MAY 22 - 25 Charles Schwab Challenge Colonial Country Club • Fort Worth, TX • USA DAVIS RILEY $1,638,000

MAY 29 - JUN 1

JUN 5 - 8

JUN 12 - 15

The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA

RBC Canadian Open TPC Toronto at Osprey Valley (North Course) • Caledon, Ontario • CAN

U.S. Open Oakmont Country Club • Oakmont, PA • USA BRYSON DECHAMBEAU $4,300,000

2025 LPGA TOURNAMENT SCHEDULE

2025 LPGA

LOCAL EVENTS GUIDE

ORANGE COUNTY

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.

FEBRUARY

FEB 10

- 16 | MUSIC FESTIVAL

The talented multi-hyphenate Caroline Shaw serves as Artistic Director for the 23rd Annual Laguna Beach Music Festival. The Laguna Beach Music Festival is a multi-day series of classical and contemporary concerts, community engagement programs, and dynamic special events.For more info visit: https://tinyurl.com/2bueyjyk

MARCH

MARCH 7 - 9 | FESTIVAL OF WHALES

The annual Dana Point Festival of Whales celebrates the return of the once-endangered California Gray Whale with a leviathan-size event. In addition to whale watching at the height of whale watching season, festival includes a kick-off parade, Sand Sculpting, musical entertainment, Art Shows, Pancake Breakfast, BBQs, Classic Car Exhibits, plus much more! For more info visit: festivalofwhales.com

MARCH 28 - 30 | BOYSENBERRY FESTIVAL

The Knott’s Boysenberry Festival is our annual food-inspired event that celebrates the park’s historic roots by highlighting the little berry that started it all, the boysenberry. Indulge in a tantalizing lineup of dishes ranging from savory foods with a boysenberry twist to one-of-a-kind specialty desserts and drinks that you can only find at Knott’s Berry Farm during this limited-time food festival. For more info visit: https://tinyurl.com/ycxttjjd

APRIL

APRIL 3 - 6 | SUGAR PLUM

We pride ourselves in offering the best in handcrafted items, and unique treasures in antiques and collectibles. We are one of the largest family-owned craft shows featuring the talents and imagination of over 175 artists, crafters, bakers, and candymakers. For more info visit: sugarplumfestivals.com

(. . .continued on page 20)

LOCAL EVENTS GUIDE

ORANGE COUNTY

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.

(. . .continued from 18)

APRIL 5 - 30 | RENAISSANCE FAIR

The Faire takes place in one of the most picturesque villages of California turning it into a real town of the Renaissance era. There are various performances and parades, knight tournaments, Celtic dances and folk music. There is also the participation of circus performers who demonstrate an exciting show of lights, throwing knives, and comedy shows. For more info visit: https://bit.ly/2SZ7NUf

APRIL 24 - 27 | GARDEN SHOW

Discover over 35 unique plant and garden vendors, as well as 7 inspiring display gardens designed by top Southern California landscape and horticulture organizations in collaboration with South Coast Plaza home boutiques to create one-of-a-kind outdoor living spaces and a dramatic 24-foot floral centerpiece. For more info visit: https://tinyurl.com/37y7rhru

MAY

MAY 3 - 5 | CITRUS FAIR

The La Habra Chamber of Commerce, the host of the La Habra Citrus Fair, is excited to announce we are returning with exciting new rides, a food experience, live entertainment, merchant shopping, and much more. For more info visit: https://tinyurl.com/8ewau7z3

MAY 17 | LOBSTERFEST

The annualTustin Lobsterfest is taking place this weekend — so if you’ve got an open calendar, treat yourself to this outdoor indulgence jubilee. Featuring live music entertainment ’50s, ’60s and ’70s cover bands. Lobsterfest serves up unlimited whole lobster with pools of melted golden butter on the side! For more info visit: tustinlobsterfest.com

MAY 23 - 26 | STRAWBERRY FEST

The Garden Grove Strawberry Festival started as a way to bring together the east and west sides

LOCAL EVENTS GUIDE

ORANGE COUNTY

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.

of Garden Grove. Garden Grove celebrates with an annual festival including a huge carnival with games and rides, a parade, arts and crafts, and lots of entertainment! For more info visit: strawberryfestival.org

JUNE

JUNE 1 | CHILI COOK OFF

The Tustin Street Fair & Chili Cook Off is held every year in Old Town Tustin. The World’s largest single-day chili cook-off features carnival rides and games, a salsa competition, a family plaza, family friendly contests, beer and wine booths, food booths, craft and vendor booths, entertainment, and music.The Street Fair and Chili Cook off is an exciting community event for the whole family! For more info visit: https://bit.ly/37mIh0c

JUNE 7 - 8 | CONCOURS

The Huntington Beach Concours is a fun event where car lovers and enthusiasts can come to enjoy

themselves, while knowing that they are also helping a worthy cause, The Huntington Beach Library Children’s Resource Center. It is rated # 1 in California, please help us keep it that way by attending this year’s event. For more info visit: hbconcours.org

JUNE 20 - 21 | WINE FESTIVAL

Guests are invited to sip on fine wines and taste a variety of delicacies at the beautiful Laguna Cliffs Marriott Resort & Spa. This is an elegant event for true fine wine lovers, located in one of Orange County’s most beautiful coastal cities! For more info visit: californiawinefestival.com

JULY

JULY 2 - 30 | FESTIVAL OF ARTS

As one of the nation’s oldest and most highly acclaimed juried fine art shows, the Laguna Beach Festival of Arts has offered a breathtaking showcase for artists and art lovers for 90 years. For more info visit: https://tinyurl.com/2xf5d9a6

LOCAL EVENTS GUIDE ORANGE COUNTY

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.

JULY 18 - 19 | WINE FESTIVAL

This romantic evening of rare wine tasting begins with a champagne reception under the stars at Santa Barbara’s charming old-world Carousel House. Extremely limited reserve level wines are matched with gourmet appetizers from top local chefs, artisan cheeses, fresh fruits, olive oils and more while live music keeps things super cool. For more info visit: https://tinyurl.com/4937fx7y

AUGUST

AUG 1 - 17 | COUNTY FAIR

OC Fair & Event Center in Costa Mesa, CA, hosts events, activities, festivals, family fun, music and entertainment of all kinds. With 157,000 square feet of venue space, the fairgrounds is ideal for meetings, parties, corporate events, cultural festivals, trade shows, fundraising runs and concerts. For more info visit: ocfair.com

AUG 29 - 31 | STREET FAIR

Inspired by the Orange Street Fair of 1910 it was decided that for their centennial celebration, Orange would have the Orange International Street Fair. The Fair was so successful that it has become an annual tradition. The Fair is located near Plaza Park in the historic downtown district. For more info visit: orangestreetfair.org

SEPTEMBER

SEPT 5 - 7 | LOBSTER FESTIVAL

The Long Beach Original Lobster Festival returns providing Fresh Live Maine Lobster, prepared to mouth-watering perfection in the World’s Largest Cooker. You can dance away the calories to a variety of popular artists throughout the day on the dance floor, enjoy tasty eats in the food court, check out the Arts & Crafts booths, sip on adult beverages, and sing a tune at the Karaoke Lounge. There is something for everyone! For more info visit: originallobsterfestival.com

LOCAL EVENTS GUIDE

ORANGE COUNTY

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.

OCTOBER

OCT 16 - 23 | FILM

FESTIVAL

As the West Coast’s fastest-growing film festival, NBFF offers films from 50 countries across multiple genres. We carefully curated a collection of short film programs. So grab your popcorn and enjoy the show! For more info visit: newportbeachfilmfest.com

NOVEMBER

NOV

22 -

30 | WINTER FEST

Celebrate the holiday season at Winter Fest with all the family. Glide around the ice rink, enjoy beautiful views from the Giant Wheel and warm up with coffee drinks including blended favorites and the popular WinterFest hot chocolate. Winter Fest provides the ideal location for a fun and exciting day out that everyone will enjoy! For more info visit: winterfestoc.com

DECEMBER

DEC TBA | BOAT PARADE

Watch beautifully decorated

yachts, boats, kayaks and canoes sail along the harbor in the 116th Newport Beach Christmas Boat Parade. For more info visit: christmasboatparade.com

JANUARY

JAN TBA | MANATEE FESTIVAL

Food, fun, and crafts all for a good cause! The Manatee Festival uses the funds raised through its annual festival to benefit friends of Blue Spring State Park, Dare Programs and other area organizations. For more info visit: themanateefestival.com

FEBRUARY

FEB 20 - 22 | TET

FESTIVAL

The Tet Festival of Southern California is recognized as the world’s largest Tet Festival outside of Vietnam. Helping preserve culture, visitors are immersed with a vibrant array of traditional foods, live entertainment, festive games, and customs celebrating the new year. For more info visit: sdtet.com

2025 GRAND SLAM TOURNAMENT SCHEDULE

2025 GRAND SLAM TOURNAMENT

SCHEDULE

* Schedule subject to change

MAY 25 - SUN 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 26 - MON 12:00 PM 1st Round Ladies’ & Gentlemen’s Single

MAY 26 - MON 8:15 PM 1st Round Ladies’ & Gentlemen’s Single

MAY 27 - TUE 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 27 - TUE 8:15 PM 1st Round Ladies’ & Gentlemen’s Single MAY 28 - WED 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 28 - WED 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 29 - THU 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single

MAY 29 - THU 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - SAT 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single

MAY 31 - SAT 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single

JUN 01 - SUN 11:00 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 01 - SUN 8:15 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 02 - MON 11:00 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 02 - MON 8:15 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 03 - TUE 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 03 - TUE 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 04 - WED 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 04 - WED 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 05 - THU 3:00 PM 1/2 Finals Singles Ladies’

JUN 06 - FRI 2:30 PM 1/2 Final Gentlemen’s Single

JUN 06 - FRI 5:30 PM 1/2 Final Gentlemen’s Single

JUN 07 - SAT 3:00 PM Final Women’s Single

JUN 08 - SUN 3:00 PM Final Gentlemen’s Single

DATE

2025 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

JUNE 30 - MON 11:00 AM Men's & Ladies' 1nd Round

JULY 1 - TUE 11:00 AM Men's & Ladies' 1nd Round

JULY 2 - WED 11:00 AM Men's & Ladies' 2nd Round

JULY 3 - THUR 11:00 AM Men's & Ladies' 2nd Round

JULY 4 - FRI 11:00 AM Men's & Ladies' 3rd Round

JULY 5 - SAT 11:00 AM Men's & Ladies' 3rd Round

JULY 6 - SUN 11:00 AM Men's & Ladies' 4th Round

JULY 7 - MON 11:00 AM Men's & Ladies' 4th Round

JULY 8 - TUE 11:00 AM

JULY 9- WED 11:00 AM

JULY 10 - THU 1:00 PM

Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals

Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals

Ladies' Singles Semifinals & Mixed Doubles Final

JULY 11 - FRI 1:00 PM Men's Singles Semifinals

JULY 12 - SAT 2:00 PM

JULY 13 - SUN 2:00 PM

Ladies' Singles Final & Men's Doubles Final

Men's Singles Final & Ladies’ Doubles Final

2025 GRAND SLAM TOURNAMENT SCHEDULE

TRAVELING TO ICELAND.

Iceland is a small Nordic country in Europe known for its dramatic landscape with volcanoes, geysers, hot springs, lava fields and massive glaciers. It is also known for its distinct Nordic culture based on folklore and mythology, dating back to the Vikings who were first to colonize the land. Later, it was

under Danish rule and gained its independence in 1944 and is a founding member of NATO. Despite having its own distinct language and being a country of only 384,000 people, English is spoken widely as it is taught in school as a second language.

The capital city is Reykjavik which is known for its lively nightlife, modern museums, excellent dining, galleries and shopping. It is the base from which to explore all that Iceland has to offer.

The best time to visit is May through October but those are also the busiest times. Iceland is an outdoor enthusiast’s paradise. There are so many adventures to choose from whether it is the natural wonders under the summer’s midnight sun or seeking the aurora borealis in winter months.

Spend a day touring the Golden Circle and see three incredible natural events. Starting in the capital, Reykjavik, drive into the southern uplands to Pingvellir National Park, onto the Geysir geothermal area and then the Gullfoss waterfall and end back in the city.

Pingvellir is a UNESCO world heritage site and the first place settled in south Iceland. See Iceland’s largest lake, the Langjokull glacier, hike the North American plate and see Game of Thrones scenery at Almannagja gorge and then view the amazing Oxarafoss waterfalls. If you are

really adventurous, snorkel at Silfra, one of the world’s top 10 dive sites.

Drive on to the Geysir Geothermal area in the Haukadalur Valley. See the volcanic landscape and arrive at Strokkur which is the geyser that erupts every 6-10 minutes shooting hot water as high as 130 feet into the air. Walking through the valley, view many hot springs, smaller geysers and bubbling mud spots.

The last stop is Gullfoss Waterfall which is famous for its 2 drops, falling 100 feet and view the rainbows that shoot from the spray. Finish the day with a leisurely drive back to Reykjavik allowing time for stops along the way.

The cold waters off the coast attract an abundance of sea life including over 20 species of whales, including dolphins and porpoises. Tours can be found all over the country but the best spot is in the seaside village of Dalvick in the north.

Caving is a popular and extraordinary experience. Because Iceland is one of the most active

and inactive volcanic regions. It has incredible rock formations above and below the earth’s surface. Tube caves inside glaciers form after magma flows underneath the earth’s surface and lava solidifies overhead. Tours operate safely year-round with geologists as guides. Be prepared with proper clothing and footwear as caves are chilly and there is often dripping water. Floors are

rugged, so sturdy boots are necessary. The caves are unexpectedly large and many have staircases and walkways for safe exploration. The most unique is Prihnukargigur (3 Peaks Crater) which takes you across lava fields to the cable car down 400 feet into a volcano that has been extinct for over 4500 years. The crater is the size of 3 basketball courts and as tall as the Statue of Liberty.

- a place like no other!

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