BAY
AREA CALIFORNIA | VOL. 2
WHAT ARE ANNUITIES?
An annuity is an investment vehicle that can provide a guaranteed income for an individual or their spouse. It is a contract with an insurance company or financial institution where you contribute money upfront and at a specific time receive payments back over the course of your lifetime. There are several advantages to investing in an annuity. First, it is tax deferred which means no taxes until you begin taking the income. Second, you can choose a fixed rate annuity where you will always receive the
same amount regardless of market conditions. Third, you will receive payment even if you receive more than your original investment. Fourth, there are annuities with death benefits for heirs.
There are many different types of annuities, all of which have different features, benefits and costs but they fall into three main categories: fixed, fixed index and variable. There are two types of payout options- deferred and immediate.
FIXED ANNUITY
A fixed annuity is based on a set interest rate and can increase in value over time. It guarantees income payments over your lifetime with the possibility of death benefits for heirs. There are two ways to purchase - either through a lump sum payment or a series of payments that increase the value of your annuity and therefore the total payout.
VARIABLE ANNUITY
A variable annuity’s value will depend on market conditions and will rise and fall with the stock market. This means the possibility of a higher interest rate when the market is strong but in a weak market, the annuity could even lose value.
INDEXED ANNUITY
An indexed annuity is based on the performance of a particular market index and the value of the annuity will be based on that particular index. Interest will be based on the index’s interest rate.
WHY BUY AN ANNUITY?
It is a good opportunity to be sure you have the resources to cover your essential monthly expenses such as mortgage or rent, insurance, utilities , travel, etc. The best thing about an annuity is that it does not run out no matter your age or the value of the investment. Start by analyzing your monthly expenses to figure out how much
income you need to cover basic bills. Don’t forget to consider and plan for inflation. When considering an annuity, the most important thing is to be sure to understand what you are investing in. They are complicated investments. Work with a trusted financial adviser to ensure your understanding of the risks and potential returns.
FENG SHUI
IN COLOR & DESIGN
Feng Shui, which literally means wind and water, is an ancient Chinese practice rooted in the theory of Yin and Yang. It is the ancient Chinese practice of using energy forces to harmonize individuals with their surrounding environment by organizing furniture, art, plants, and other objects within any given space or room to create peace and harmony.
It has been used for centuries to determine building sites such as the Forbidden City in Beijing, which is built on a north-south axis with the main entrance facing south. It was believed to be the most propitious direction according to the feng shui masters. Additionally, the pyramid addition to the Louvre in Paris, Trump Tower in Manhattan, and the Sydney Opera House in Sydney have all been influenced by feng shui principles.
In interior design, feng shui is a tool to help design a room that makes you feel good and enhances health, prosperity, harmony and balance for a joyful life.
Chinese philosophy is all about opposites - masculine and feminine, dark and light, warm and cold. Additionally, there is a focus on the 5 elements which are wood, fire, earth, metal and water. These symbolize qualities such as stability, wisdom, growth and creativity. Decorating with the five elements is meant to bring joy and balance to your life.
According to Better Homes and Gardens, you can feng shui your home with a few simple tips:
Clear your home of clutter and open up the flow of traffic. This will create an atmosphere of calm by creating a welcoming entryway. Adding feng shui plants and positioning furniture in relation to the door will give a feeling of
control and empowerment, creating balance. And don’t forget to use feng shui with your color selections.
The bedroom is the most important room for applying the principles of feng shui since we all spend so much time there. It is important to have the bed face the door but not straight-on. It is preferable to have a wall behind the bed so that you are aware if anyone is entering your space. This is referred to as command position. Use soft and muted pastel colors or earthen tones that you’d find in nature. Plants are not recommended for the bedroom as they are active and produce energy which is not conducive to the calm environment required in the bedroom. However, they are desirable throughout the rest of the home. Some of the best plants include lucky bamboo, orchids, jade, snake or rubber plants.
Although there is no scientific basis for the use of feng shui in design, it is about making your environment a healthy and happy one for your family, so why not give it a try.
2024 PGA TOURNAMENT SCHEDULE
DATES TOURNAMENT
SEPT 26 - 29
OCT 3 - 6
OCT 10 - 13
OCT 17 - 20
OCT 24 - 27
NOV 7 - 10
NOV 14 - 17
NOV 21 - 24
DEC 5 - 8
DEC 12 - 15
DEC 12 - 15
Presidents Cup
* Schedule subject to change
The Royal Montreal GC • Montreal, Quebec • CAN
Sanderson Farms Championship
NBC, GOLF, PEACOCK, SXM
The Country Club of Jackson • Jackson, MS • USA GOLF, SXM
Black Desert Championship
Black Desert Resort Golf Course • Ivins, UT • USA GOLF, SXM
Shriners Children’s Open
TPC Summerlin • Las Vegas, NV • USA
ZOZO CHAMPIONSHIP
ACCORDIA GOLF • Chiba • JPN GOLF
World Wide Technology Championship
SXM
El Cardonal at Diamante • Los Cabos • MEX GOLF, SXM
Butterfield Bermuda Championship
Port Royal Golf Course • Southampton • BER GOLF, SXM
The RSM Classic
Sea Island Golf Club • St. Simons Island, GA • USA GOLF, SXM
Hero World Challenge
Albany GC • Albany • BAH NBC, GOLF
Grant Thornton Invitational
Tiburón Golf Club • Naples, FL • USA
PGA TOUR Q-School presented by Korn Ferry
Dye’s Valley Course • Ponte Vedra Beach, FL • USA
GOLF
+ Signature Event
# Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
2024 LPGA
LOCAL EVENTS GUIDE BAY AREA
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 13 | ITALIAN HERITAGE
PARADE & FESTIVAL
San Francisco is home to the country’s oldest Italian American Parade, which takes place every year as part of the Columbus Day celebration. Follow the parade of floats, bands, and traditional Italian musicians from Fisherman’s Wharf to the heart of North Beach, where it will conclude at a small festival in Washington Square Park. It’s one of the top family-friendly San Francisco events in October. For more info visit: sfitalianheritage.org
OCT 17 - 27 | FILM FESTIVAL
The Green Film Festival of San Francisco is interested in exploring all aspects of “environmental film” whether they be compelling documentaries, adventure films or narrative fiction films and midnight movies with environmental themes. Through this experience the festival hopes audiences can begin to engage with sustainable solutions to the problems facing
the planet. For more info visit: https://tinyurl.com/5n7zc79b
OCT 18 - 20 | FILM FESTIVAL
Celebrate the Annual SF International South Asian Film Festival! This year’s festival showcases edgy narratives, fun Indie films, and inspiring documentaries from South Asia and its Diaspora, including stories from India, Pakistan, Bangladesh, France, Italy, UK, Canada and the USA. For more info visit: thirdi.org
NOVEMBER
NOV 2 - 3 | CRAFT FAIR
Shop from over 250 artists at Renegade San Francisco ~ featuring the best artist-made gifts, creative small bizz goods, and handmade treasures, all in time for the holidays! For more info visit: renegadecraft.com
LOCAL EVENTS GUIDE BAY AREA
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.
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NOV 9 - 10 | COFFEE FESTIVAL
This is the perfect festival for those that are in love with coffee! Sample unique flavors from a large variety of exhibitors. You can also listen to live music as you savor your coffee samples. For more info visit: sfcoffeefestival.com
DECEMBER
DEC TBA | BOAT PARADE
The Lighted Boat Parade has been a holiday tradition and one of the popular San Francisco events in December since 1994. It is a unique event that brings the holiday spirit out onto the bay and invites everyone to enjoy San Francisco’s waterfront. Watch the decorated boats parade pass Pier 39, Fisherman’s Wharf, Fort Mason, and Crissy Field. For more info visit: https://tinyurl.com/yab3ptrv
DEC 1 - 22 | DICKENS FAIR
Celebrate the holiday season at this unique festival. The Great Dickens Fair is a recreation of Victorian London and includes
costumed characters, lively entertainment, and food and drink. It’s a great place to also pick up some interesting holiday gifts for those on your list. For more info visit: dickensfair.com
JANUARY
JAN 16 - 31 | SKETCHFEST
One of the largest comedy festivals and San Francisco events in January is SF Sketchfest. It features two and a half weeks of comedy sketches and performances by well known comedians. There are also a handful of workshops, panels, and other fun activities. Each day, you will find three to four shows at venues all around SF. For more info visit: sfsketchfest.com
JAN 17 - 20 | TRUFFLE FESTIVAL
This is a milestone year in which we anticipate being able to showcase ultra fresh Napa/Sonoma harvested Périgord black truffles for the very first time in our festival history! Considering that truffles have a freshness half life of only
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LOCAL EVENTS GUIDE BAY AREA
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.
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5 days, this becomes a game changer because you’ll be able to taste for yourself how much more potent and aromatic these locally harvested truffles are, compared to those imported from Europe. For more info visit: napatrufflefestival.com
FEBRUARY
FEB 15 -16 | LUNAR NEW YEAR
The Chinese New Year celebration in San Francisco is one of the largest in the world. The parade includes several floats, the largest and most popular of which is the 28-foot-long Golden Dragon. It takes a team of more than 100 people to operate and move it through the streets of San Francisco. For more info visit: chineseparade.com
MARCH
MARCH 15 | SAINT PATRICK’S DAY
It’s that time of year again, when SF turns green! Whether you’re looking for parties, pub crawls, cultural festivals, or family fun, you’ll
find plenty of ways to celebrate Saint Patrick’s Day in the city. For more info visit: https://tinyurl.com/mr3bncfu
APRIL
APRIL TBA | CHERRY BLOSSOM FESTIVAL
This event takes place over two weekends, and is a celebration of springtime and the blossoms all over Japantown. During the festival, you can enjoy traditional music, dance, and food. You can also sample gourmet treats and learn more about these gorgeous blossoms. For more info visit: sfcherryblossom.org
APRIL 11 - 13 | FILM FESTIVAL
One of the top San Francisco events in April is the International Ocean Film Festival. It features dozens of ocean-themed independent films from around the world. The festival is designed to raise awareness about the environmental, social, and cultural significance of the sea. For more info visit:
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LOCAL EVENTS GUIDE
BAY AREA
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.
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intloceanfilmfest.org
MAY
MAY 3 | SPRING FEST
We’re delighted to announce our 3rd annual Bay Area SpringFest is coming to Todos Santos Plaza in charming, historic Downtown Concord, celebrating spring in the Bay Area with music, food, beer & wine garden benefitting Sustainable Contra Costa, children’s activities and exhibitors featuring arts & crafts, jewelry, art, plants, apparel and much more. For more info visit: https://tinyurl.com/36mrz5es
JUNE
JUNE TBA | NORTH BEACH FEST
Spend the weekend in San Francisco’s North Beach District at their annual festival and street fair. This year’s event includes live music, plenty of street food, local vendors, and more. For more info visit: northbeachfestival.org
JUNE
13 - 15 | BBQ COMPETITION
Free outdoor family festival. Three Days of Music, Arts & Crafts, Kids Activities, Carnival Rides, and the Best BBQ Food in Contra Costa. For more info visit: https://tinyurl.com/mt5vmmem
JULY
JULY TBA | FOLK FESTIVAL
The annual San Francisco Folk Festival is free and offers a variety of dance and music shows, as well as workshops. Guitar, ukulele, waltz, Irish step, and Argentine tango are just a few of the genres you will hear and dance to. In addition, there will be crafts, vendors, and it’s one of the San Francisco events in July with fun activities for the whole family. For more info visit: sffolkfest.org
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LOCAL EVENTS GUIDE BAY AREA
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.
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JULY 5 - 6 | JAZZ FESTIVAL
The largest jazz festival on the west coast takes place on the weekend after Fourth of July in San Francisco. This is one of the fun San Francisco events in July that offers free live jazz music all weekend long. For more info visit: fillmorejazzfest.com
AUGUST
AUG TBA | COUNTRY FAIR
This year’s Napa Town & Country Fair runs for three days. It’s a great place to find the best meat, fruits, vegetables, and wines from local growers and producers. In addition, you will find find plenty of fun activities for the entire family. For more info visit: napafair.org
SEPTEMBER
SEPT TBA | A TASTE OF GREECE
This annual event showcases the cultural and culinary diversity of SF’s Mission District. Get your fill of delicious Greek treats such as spanakopita, mousaka, kotopoulo, and gyros. And of course, the festival wouldn’t be complete without Greek wine, Greek pastries, and live Greek music and dance! For more info visit: https://tinyurl.com/4s5enk6z
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
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
HEALTH & FOOD
Eating healthy and having a holistic approach to wellness focuses on mind, body and soul. Foods that enhance energy, heart health, improve sleep and increase muscle strength are growing in popularity. High protein, low calorie, and low carbohydrate meals are the way to go. The movement towards plant-based items for health and environmental reasons is here to stay.
Sugar intake is a concern for many.
A popular sugar alternative is dates which are very sweet and have been used for thousands of years. They are high in nutrients, antioxidants and fiber. Some say they are good for brain health as well as digestion. Eaten whole or used in baked treats, they provide all the sweetness needed.
To lose weight or simply to eat a little bit healthier, there are several different approaches you can take.
The Whole Food Diet is probably the most recommended diet. It is about avoiding or limiting processed foods, preservatives or artificial ingredients while sticking to lots of fresh fruits and vegetables, whole grains, nuts, beans, fish, shellfish and eggs. Limiting meat is a part of this diet as well. Not only is this diet healthy for you, but it is healthy for the planet as processed foods require more resources such as water and energy, thus creating more pollution.
The PALEO Diet is based on foods eaten in the Paleolithic period of hunter gatherer societies thousands of years ago, before farming.
The KETO Diet is a low carbohydrate, high fat diet that helps burn fat for energy rather than carbs, thus triggering weight loss. According to Healthline, the foods to eat on this diet are: meat, fatty fish,eggs, butter and cream, cheese, nuts and seeds, olive or avocado oil, avocados, and low carb vegetables and condiments.
The Vegetarian Diet is made up of plant-based foods which include fruits and vegetables, grains, legumes and nuts. No meat or dairy products including eggs and other milk products are consumed. There is a trend to eat more fruits and vegetables and new products are continually coming to the market. Non-dairy milk alternatives like oat, soy and almond are popular replacements for milk. New plantbased pasta alternatives like chickpea or zucchini pasta help us eat more vegetables and additional options are continually being introduced.
