Austin TX 4 by The 55 Spotlight

AUSTIN

TEXAS | VOL. 4

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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CO NTE NT S FEATURES 4

Philanthropy or Charity

Interior Design Trends

Estate Planning

Local Event Guide

28 Travel Destinations

32 Fashion Trends 35 Identity Theft 37

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CO NTE NT S 2022 SCHEDULES 16

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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| TEX AS | VOL . 4

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.

(. . .continued on page 6) 4

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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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INTERIOR DESIGN TRENDS FOR 2022 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. (. . .continued on page 10)

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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

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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 palette for the year 2022 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.

THE CHOICE IS

yours! 11

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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 welldesigned estate plan will ensure that assets are distributed according to one’s wishes. In addition to the last will and testament, an estate plan

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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.

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2022 PGA

TOURNAMENT SCHEDULE DATES

TOURNAMENT

2022 PGA

JAN 6 - 9, 2022 JAN 13 - 16, 2022 JAN 20 - 23, 2022 JAN 27 - 30, 2022 FEB 3 - 6, 2022 FEB 10 - 13, 2022 FEB 17 - 20, 2022

Sentry Tournament of Champions Plantation Course at Kapalua, Kapalua, Maui, HI Sony Open in Hawaii Waialae Country Club, Honolulu, HI The American Express PGA WEST (Stadium), La Quinta, CA Farmers Insurance Open Torrey Pines (South), San Diego, CA AT&T Pebble Beach Pro-Am Pebble Beach Golf Links, Pebble Beach, CA Waste Management Phoenix Open TPC Scottsdale, Scottsdale, AZ The Genesis Invitational The Riviera Country Club, Pacific Palisades, CA The Honda Classic PGA National (Champion), Palm Beach Gardens, FL Puerto Rico Open Grand Reserve Country Club, Rio Grande, PUR

Harris English $1,340,000 Kevin Na $1,188,000 Si Woo Kim $1,206,000 Patrick Reed $1,350,000 Daniel Berger $1,404,000 Brooks Koepka $1,314,000 Max Homa $1,674,000

FEB 24 - 27, 2022 MAR 3 - 6, 2022 MAR 3 - 6, 2022

Arnold Palmer Invitational presented by Mastercard Bay Hill Club & Lodge, Orlando, FL

MAR 10 - 13, 2022

MAR 31 APR 3, 2022

THE PLAYERS Championship TPC Sawgrass, Ponte Vedra Beach, FL Valspar Championship Innisbrook Resort (Copperhead), Palm Harbor, FL 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 (Oaks Course), San Antonio, TX

APR 7 - 10, 2022

Masters Tournament Augusta National Golf Club, Augusta, GA

MAR 17 - 20, 2022 MAR 23 - 27, 2022 MAR 24 - 27, 2022

* Schedule subject to change

Matt Jones $1,260,000 Branden Grace $540,000 Bryson DeChambeau $1,674,000 Justin Thomas $2,700,000 Sam Burns $1,242,000 Billy Horschel $1,820,000 Joel Dahmen $540,000 Jordan Spieth $1,386,000 Hideki Matsuyama $2,070,000

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2021 LPGA

TOURNAMENT SCHEDULE DATES 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 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

$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

Sei Young Kim

$5,000,000

LOCAL EVENTS GUIDE AUSTIN 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 6 | CHILI COOK-OFF Join us for a day of live music, cold beer and chili as we host our Annual Chili Cook-Off. Taste different types of chili from some of Austin’s best restaurants and amateur culinary talent. For more info visit: joscoffee.com FEB 26 - 27 | OYSTER FESTIVAL This is one tasty festival you don’t want to miss! The Oyster Festival is an annual hit among locals and visitors alike. Not sure which kind of oyster you prefer? Try ‘em all while enjoying a little live Cajun and “newgrass” music on the lawn! For more info visit: austinoysterfestival.com

MARCH

MARCH 4 - 5 | BBQ AUSTIN BBQ Austin is a sanctioned BBQ Cook Off where teams from all over Texas come to compete. BBQ Austin is also excited to offer a petting zoo, pony rides, shopping, a fireworks show, and Austin’s largest carnival. This event has a little something

for everybody and we hope you will come and join us! For more info visit: https://bit.ly/3clrWdS MARCH 5 - 6 | AUSTIN CRAWFISH Nothing is as unique to Cajuns as eating crawfish during festival weekend. You’ll enjoy tasting crawfish prepared in every imaginable way—fried, boiled, in an étouffée, pie or jambalaya, along with other Cajun favorites. While you’re in the festival you’ll be able to purchase food from non-seafood vendors as well. So come enjoy this amazing festival of food! For more info visit: austincrawfishfest.com MARCH 12 - 26 | RODEO AUSTIN Over the years, Rodeo Austin has grown from a show featuring 16 animals into one of Austin’s premier events, featuring pro rodeo events, daily concerts, livestock shows and more. For more info visit: rodeoaustin.com

APRIL

APRIL 13 - 17 | FUSEBOX FESTIVAL Fusebox is a hybrid arts festival that champions adventurous works of art in theater, dance, film, music, literature, visual and culinary arts. The festival takes place over 5 days in venues and locations all over the city. Hundreds of local, national and international artists across all disciplines converge for one of the most unique cultural events in the country. For more info visit: fuseboxfestival.com APRIL 21 - 24 | MUSIC FESTIVAL Central Texas’ signature music event featuring Grammy-winning Americana, arts and crafts, camping, food and libations. Acoustic jazz, blues and bluegrass are all performed by old-time local favorites and award-winning artists from around the world. For more info visit: oldsettlersmusicfest.org

MAY

MAY 26 - 29 | HOT LUCK FESTIVAL The Hot Luck: Live Food & Music

festival returns to honor the soul, sweat and DIY diversity of the food and music world. The festival is an eat-with-your-fingers picnic and party experience that highlights open-pit feats of culinary knowhow, and music in your ears that is as thoughtfully created as the food on your plate. Come hungry, thirsty, and bring your dancing boots. For more info visit: hotluckfest.com MAY 30 | MEMORIAL DAY Camp, hike, barbecue, tube and chill – whatever you do, get out and make the most of this long holiday weekend in Austin. Check out all the fun things you can do around Austin this weekend! For more info visit: https://bit.ly/3rXdiBD

JUNE

JUNE 2 - 5 | TELEVISION FESTIVAL ATX Festival is the first festival devoted to Television’s history and future. It functions like a traditional film festival with premieres of new series, current hits and cult favorites. ATX Television Festival also offers access to the industry’s

leading professionals with cast and creator Q&A’s and panels focusing on innovation in both production and content delivery. For more info visit: atxfestival.com JUNE 4 | STREET FESTIVAL The streets of Old Town Leander fill with local and national artisans offering handcrafted creations. Texas bands and artists bring the stage to life, and family-friendly activities delight both adults and children. Food vendors provide both healthy and indulgent choices, and local and regional wineries and breweries bring a special flair to Old Town. There really is something for everyone here! For more info visit: oldtownstreetfestival.com JUNE 8 - 12 | FILM FESTIVAL The festival showcases contemporary films and videos from Latin America and the Iberian Peninsula. Films and videos made by or about Latinxs in the U.S. or the rest of the world, as well as films and videos by or about Indigenous groups of the Americas are also invited to partic-

ipate. So grab some popcorn and enjoy! For more info visit: cinelasamericas.org

JULY

JULY 4 | INDEPENDENCE DAY Shopping, music, barbecue, fireworks and fun for the whole family, including the dogs. For more info visit: hillcountrygalleria.com JULY 23 -24 | FLOAT FEST It’s never too early to start thinking about summer music festivals. After five years of float party – the very Texas tradition of floating down the Guadalupe River between twenty full-fledged gigs – music lovers and dedicated floaters usually know what to expect. It’s the best place to relax, float, enjoy music and celebrate the rich history of the birthplace of Texas. For more info visit: floatfest.net

AUGUST

AUG 2 - 7 | MEAN GIRLS Cady Heron may have grown up

on an African savanna, but nothing prepared her for the wild and vicious ways of her strange new home: suburban Illinois. How will this naïve newbie rise to the top of the popularity pecking order? By taking on The Plastics, a trio of lionized frenemies led by the charming but ruthless Regina George. But when Cady devises a plan to end Regina’s reign, she learns the hard way that you can’t cross a Queen Bee without getting stung. For more info visit: https://bit.ly/3GZM9SR AUG 27 | BAT FEST What will you see at Bat Fest this year? 1.5 million Mexican free-tailed bats emerging from under the bridge at dusk, 2 stages with live music, more than 50 arts & crafts vendors, delicious food and drinks, fun children’s activities, a bat costume contest and other bat activities. Enjoy this one of a kind festival with family and friends! For more info visit: https://bit.ly/3wUnR88

SEPTEMBER

SEPT 17 - 18 | PECAN STREET FEST The Pecan Street Festival is one of the largest, and longest-running, arts & crafts and music festivals in the nation. The festival will feature 300 national artisan vendors, food concessions, 50 bands on three stages, a family friendly rides section and street performers. Enjoy a family friendly weekend to start off this fall season! For more info visit: pecanstreetfestival.org

OCTOBER

OCT 7 - 9 | AUSTIN CITY LIMITS MUSIC FESTIVAL ACL Festival features a diverse lineup of acts every year with 8 stages with over 100 performances.. The ACL Eats Food Court at ACL Fest offers the most delicious festival food, drinks and sweets from Austin and the surrounding area’s favorite restaurants. There’s plenty to do in between sets, including a mini-fest for kids, photogenic spaces, sponsored giveaways and merch to bring home with you. For more info visit: aclfestival.com

OCT 27 - 31 | FILM FESTIVAL Recognized as one of the top film festivals in the country, this cinematic event shines the spotlight on both top-billed films and indies alike. For more info visit: austinfilmfestival.com

NOVEMBER

NOV TBA | FOOD & WINE FEST All weekend long you’ll explore rows of renowned Texas chefs from top-rated restaurants, serving up their signature bites. Along the way sample sips from an array of wine and spirits exhibitors. This will certainly be a festival for your tastebuds! For more info visit: austinfoodandwinefestival.com

NOV 5 - 6 | CELTIC FESTIVAL See Celtic dancing, hear Celtic music, and watch as strongmen compete in traditional Scottish Highland games in the heart of Texas at the Austin Celtic Festival.This unique event offers plenty of fun and activities for the whole family! For more info visit: austincelticfestival.com

DECEMBER

DEC 1 - 31 | TRAIL OF LIGHTS The Annual Trail of Lights is part of the essential Austin experience, lighting up the season with a celebration of community, memories and fun. Grab your family and some hot coco and enjoy a night full of great lights! For more info visit: austintrailoflights.org

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2022 GRAND SLAM

TOURNAMENT SCHEDULE

* Schedule subject to change

Session

Date

Time

Mon, January 17, 2022

11:00 AM

Men's and Women's 1st Round

Featured Matches

Mon, January 17, 2022

7:00 PM

Men's and Women's 1st Round

Tue, January 18, 2022

11:00 AM

Men's and Women's 1st Round

Tue, January 18, 2022

7:00 PM

Men's and Women's 1st Round

Wed, January 19, 2022

11:00 AM

Men's and Women's 2nd Round

Wed, January 19, 2022

7:00 PM

Men's and Women's 2nd Round

Thu, January 20, 2022

11:00 AM

Men's and Women's 2nd Round

Thu, January 20, 2022

7:00 PM

Men's and Women's 2nd Round

Fri, January 21, 2022

11:00 AM

Men's and Women's 3rd Round

Fri, January 21, 2022

7:00 PM

Men's and Women's 3rd Round

Sat, January 22, 2022

11:00 AM

Men's and Women's 3rd Round

Sat, January 22, 2022

7:00 PM

Men's and Women's 3rd Round

Sun, January 23, 2022

11:00 AM

Men's and Women's 4th Round

Sun, January 23, 2022

7:00 PM

Men's and Women's 4th Round

Mon, January 24, 2022

11:00 AM

Men's and Women's 4th Round

Mon, January 24, 2022

7:00 PM

Men's and Women's 4th Round

Tue, January 25, 2022

11:00 AM

Men's and Women's Quarterfinals

Tue, January 25, 2022

7:00 PM

Men's and Women's Quarterfinals

Wed, January 26, 2022

11:00 AM

Men's and Women's Quarterfinals

Wed, January 26, 2022

7:30 PM

Men's and Women's Quarterfinals

Thu, January 27, 2022

11:00 AM

Women's Semifinals

Thu, January 27, 2022

7:30 PM

Men's Semifinal

Fri, January 28, 2022

3:00 PM

Mixed Doubles Semi / Women's Doubles Final / Men's Singles SemiFinal

Sat, January 29, 2022

4:00 PM

Men's Doubles Final / Women's Singles Final

Sun, January 30, 2022

4:00 PM

Mixed Doubles Final / Men's Singles Final

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| TEX AS | VOL . 4

2022 GRAND SLAM

TOURNAMENT SCHEDULE DATE MAY 22 - SUN

PLAY START Day - 11:00 AM

SESSION 1st Round

MAY 23 - MON

Day - 11:00 AM

1st Round

MAY 23 - MON

Evening - 9:00 PM

1st Round

MAY 24 - TUE

Day - 11:00 AM

1st Round

MAY 24 - TUE

Evening - 9:00 PM

1st Round

MAY 25 - WED

Day - 11:00 AM

2nd Round

MAY 25 - WED

Evening - 9:00 PM

2nd Round

MAY 26 - THU

Day - 11:00 AM

2nd Round

MAY 26 - THU

Evening - 9:00 PM

2nd Round

MAY 27 - FRI

Day - 11:00 AM

3rd Round

MAY 27 - FRI

Evening - 9:00 PM

3rd Round

MAY 28 - SAT

Day - 11:00 AM

3rd Round

MAY 28 - SAT

Evening - 9:00 PM

3rd Round

MAY 29 - SUN

Day - 11:00 AM

4th Round

MAY 29 - SUN

Evening - 9:00 PM

4th Round

MAY 30 - MON

Day - 11:00 AM

4th Round

MAY 30 - MON

Evening - 9:00 PM

MAY 31 - TUE

Day - 12:00 PM

* Schedule subject to change

4th Round Quarterfinals

MAY 31 - TUE

Evening - 5:00 PM

Quarterfinals

JUN 01 - WED

Day - 12:00 PM

Quarterfinals Quarterfinals

JUN 01 - WED

Evening - 9:00 PM

JUN 02 - THU

Day - 2:00 PM

Semifinals

JUN 03 - FRI

Day - 3:00 PM

Semifinals

JUN 04 - SAT

Day - 3:00 PM

Women's Singles Final, Men's Doubles Final

JUN 05 - SUN

Day - 3:00 PM

Men's Singles Final

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2022 GRAND SLAM

TOURNAMENT SCHEDULE DATE

PLAY START

* Schedule subject to change

SESSION

Mon, Jun 27

11:00 AM

Men's & Ladies' 1st Round

Tues, Jun 28

11:00 AM

Men's & Ladies' 1st Round

Wed, Jun 29

11:00 AM

Men's & Ladies' 2nd Round

Thurs, Jun 30

11:00 AM

Men's & Ladies' 2nd Round

Fri, July 01

11:00 AM

Men's & Ladies' 3rd Round

Sat, July 02

11:00 AM

Men's & Ladies' 3rd Round

Sun, July 03

11:00 AM

Men's & Ladies' 4th Round

Mon, July 04

11:00 AM

Men's & Ladies' 4th Round

Tues, July 05

11:00 AM

Ladies' Singles Quarterfinals

Wed, July 06

11:00 AM

Men's Singles Quarterfinals

Thurs, July 07

1:00 PM

Ladies' Singles Semifinals

Fri, July 08

1:00 PM

Men's Singles Semifinals

Sat, July 09

2:00 PM

Ladies' Singles Final, Men's Doubles Final, Ladies' Doubles Final

Sun, July 10

2:00 PM

Men's Singles Final, Mixed Doubles Final

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2021 GRAND SLAM

TOURNAMENT SCHEDULE SESSION

DATE

SCHEDULE

PLAY START

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

MATCHES

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

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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, 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

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ceremonial shrine built into a cave with niches that most likely held mummies. There is also a museum which explains how and why Machu Picchu was built. Located 8000 feet above sea level and deep in the tropical forest, it offers amazing architecture, incredible scenery and an abundance of unusual flora and fauna. There are 2 ways to arrive at Machu Picchu. One can travel by train from either Cusco or the Sacred Valley. Cusco is the easiest and the voyage takes 3.5 hours along the Urubamba River in the Sacred Valley. There is a hotel on site with a restaurant as well as luxury hotels in Cusco. Cusco is filled with historic sites from Incan and colonial times as well as restaurants, shopping and people watching.

Along the Yucatan Peninsula, there are many historic sites built by the ancient Mayan people. One of the most popular is Tulum which is a well-preserved 13th century walled city situated on tall cliffs overlooking the Caribbean Sea. It is easily accessed from Cancun. Visit El Castillo, the

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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.

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.

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

Along with the historic sites on the Yucatan Peninsula, there are wonderful places to stay - Cancun for a city feel and Playa del Carmen for a small-town vibe and there is no shortage of all-inclusive beach resorts.

This is how you say it’s going to be okay. Every 8 minutes the American Red Cross responds to a disaster and makes this promise. You can help us keep it.

Donate today at redcross.org

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r o f s Trend

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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

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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

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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”.

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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!

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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.

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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 employer 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 on-line account, use a strong password. Do not give your personal information to someone who calls, emails, or texts you. They could be a scammer trying to steal your information.

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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, claim unemployment benefits.

If you discover that someone is misusing your personal information visit:

www.IdentityTheft.gov Courtesy of Federal Trade Commission

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This is how you say it’s going to be okay. Every 8 minutes the American Red Cross responds to a disaster and makes this promise. You can help us keep it.

Donate today at redcross.org

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Interior Design Trends

Fashion Trends

Identity Theft

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Estate Planning