Coachella Valley

CALIFORNIA | VOL. 7

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TRAVEL • LIVING • HEALTH • DINING

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

JULY 1 - 7

JULY 8 - 14

John Deere Classic TPC Deere Run, Silvis, Illinois

* Schedule subject to change

Genesis Scottish Open ^ The Renaissance Club, North Berwick, Scotland

CBS, GOLF, ESPN+, SXM

JULY 8 - 14 TBA Event TBA, TBA GOLF

JULY 15 - 21

JULY 22 - 28

JUNE 29 - AUG 4

AUG 5 - 11

Barracuda Championship Tahoe Mountain Club (Old Greenwood), Truckee, California GOLF

3M Open TPC Twin Cities, Blaine, Minnesota

CBS, GOLF, ESPN+, SXM

Olympic Men’s Golf Competition # Le Golf National, Paris, France GOLF

Wyndham Championship Sedgefield Country Club, Greensboro, North Carolina

CBS, GOLF, ESPN+, SXM

AUG 12 - 18

AUG 19 - 25

AUG 26 - SEP 1

EDEX CUP PLAYOFFS

FedEx St. Jude Championship TPC Southwind, Memphis, Tennessee

BMW Championship Castle Pines Golf Club, Castle Rock, Colorado

TOUR Championship East Lake Golf Club, Atlanta, Georgia

NBC, GOLF, ESPN+, SXM

+ Signature Event

# Not PGA TOUR Co-sponsored

^ Co-sanctioned with DP World Tour

2024 LPGA

2024 LPGA TOURNAMENT

LOCAL EVENTS GUIDE

COACHELLA VALLEY

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

JULY 4 | INDEPENDENCE

DAY

Also called the Fourth of July, Independence Day is a national holiday that celebrates America’s declared independence from Great Britain on July 4, 1776. American cities across the country celebrate by hosting festivals, parades, and, most importantly, fireworks shows.We have a list of great places to experience this truly American Holiday! For more info visit: https://tinyurl.com/3hj2rwkt

JULY 27 - 28 | ART & WINE FAIRE

Enjoy the summer sun and island breeze at Alameda’s biggest free street event of the year, featuring over 200 arts, crafts and food vendors; local beer and wine; continuous live music on three stages; and a kids’ area. For more info visit: https://tinyurl.com/3aj229ma

AUGUST

AUG 9 - 11 | JAZZ FESTIVAL

Long Beach Jazz Festival is an old festival that is held every year, for

more than 25 years. The festival hosts leading artists and compositions that play various styles of jazz. Come and join us for an amazing weekend of music! For more info visit: longbeachjazzfestival.com

SEPTEMBER

SEPT

14 | STREET PAINTING FEST

Welcome to the Temecula Art & Street Painting Festival! Paintings, ceramics, jewelry, and photography set the stage for a weekend of creativity and talent through the outdoor Art Exhibition. This two-day event will also include various murals creating an asphalt gallery of chalk art masterpieces. The show will bring artists from all over Southern California! For more info visit: https://bit.ly/39DDZVL

OCTOBER

OCT 3 - 6 | JAZZ FESTIVAL

Come enjoy the Desert Jazz Festival; it is a premier event on this year’s jazz calendar!For more info visit: desertjazzfestival.com

LOCAL EVENTS GUIDE

COACHELLA VALLEY

OCT 10 - 13 | JOSHUA TREE

Joshua Tree Music Festival is: Supreme and diverse live music experiences to feed the body, mind and soul. Deep dive workshops to uplift and inspire. Random acts of mindfulness inviting you to interact and connect. Spontaneous eruptions of gratitude. A friendly familial spirit. A community of music lovers. For more info visit: joshuatreemusicfestival.com

NOVEMBER

NOV 11 | TURKEY TROT

Join us for the Annual LA Classic Turkey Trot! Our run offers a 5K run/walk through beautiful Griffith Park in Los Angeles as well as a 15K for those looking to challenge themselves!. This event starts and finishes across from the Griffith Park Visitor Center, near the Merry-Go-Round area! For more info visit: https://tinyurl.com/c7rywxjw

NOV 23 | CRAFT BEER FESTIVAL

Join the Palm Springs Air Museum for the Props & Hops Craft Beer

Festival, a fun afternoon of local craft beer tastings surrounded by vintage aircraft. Shining a light on Southern California craft beer, the annual Props and Hops Festival in Palm Springs will feature dozens of West Coast breweries and food vendors with a DJ and live music, all amid awesome vintage planes. For more info visit: palmspringspropsandhopsfestival.com

DECEMBER

DEC 7 | WINTER MARKET

Celebrate the season with sparkle & fun! The Downtown Alameda Winter Market will welcome local vendors, entertainment, festive sips and delicious bites. For more info visit: downtownalameda.com

DEC 7 | SANTA PAWS 5K

This one-of-a-kind 5K event where every participant can be Santa Claus! Each participant receives a Santa suit that can be worn during the event and is then yours to keep. All participants run, walk or stroll the 5K route. Strollers and

LOCAL EVENTS GUIDE

COACHELLA VALLEY

doggies are welcome! For more info visit: https://tinyurl.com/frx6taaw

DEC 7 - 8 | TAMALE FESTIVAL

The world’s largest tamale festival will return this year. Over 100 vendors and booths will be set up for attendees to purchase a wide assortment of tamales, from the traditional chicken and beef to more outlandish flavors like chocolate and pineapple. Entry into the festival is free, and there are folkloric dance performances and traditional mariachi music played on multiple stages throughout the day. For more info visit: indiotamalefestival.com

JANUARY

JAN 2 - 13 | FILM FESTIVAL

Its culturally diverse program of 180+ films from over 60 countries represents the best in international cinema. The Festival presents a large selection of films submitted for consideration in the Best International Feature Film category

for the Academy Awards, as well as a large number of American independent and international features and documentaries. For more info visit: psfilmfest.org

JAN 25 | HEALTH RUN

Participants will experience the incredibly scenic neighborhoods of Palm Springs in one of the largest events of its kind in Southern California.More than 100 health and wellness booths provide giveaways and services, nationally recognized fitness experts, Rock Climbing Wall, Walk on Water and much, much more. Fun for the entire family! For more info visit: palmspringshealthrun.com

FEBRUARY

FEB 10 | CAR SHOW

The annual Dr. George Charity Car Show is one of the preeminent car shows in the Coachella Valley. On display are cars, trucks and motorcycles from all over the country. There will be a raffle, silent auction and live entertainment! On site

LOCAL EVENTS GUIDE

COACHELLA VALLEY

will be various food and specialty vendors all intended to make your visit enjoyable and fun for the entire family. For more info visit: palmspringscruisinassociation.com

FEB 28 - 29 | COUNTY FAIR

The annual Riverside County Fair & National Date Festival features lots of unique entertainment, special events, and culinary experiences. Amazing music performances gather crowds each evening. Food vendors offer traditional modern fair food and special treats like creamy date shakes and sweet fruits of all varieties from the local date palms.The fair is perfect for you to have fun in the great outdoors! For more info visit: datefest.org

MARCH

MARCH 20 - 23 | FOOD & WINE

APRIL

APRIL 25 - 27 | STAGECOACH

The Stagecoach Festival is perhaps the best known country music festival anywhere in the world. Every year Stagecoach curates a lineup headlined by the biggest and brightest names in country music and also includes artists from related genres like rock, bluegrass, and folk. For more info visit: stagecoachfestival.com

MAY MAY TBA | BALLOON & WINE FESTIVAL

The Temecula Valley Balloon & Wine Festival offers top-name entertainment, wine tasting in the Wine Garden, Kids Faire, Arts & Crafts and Commercial exhibits and the Food Court. Wine tasting features different premium wines from numerous Temecula Valley wineries as well as others from

Calling all food and wine lovers: The annual Palm Desert Food & Wine, will feature a diverse selection of mouth-watering eats, premium wines, hands-on cooking demonstrations, and much more! For more info visit: palmdesertfoodandwine.com

LOCAL EVENTS GUIDE COACHELLA VALLEY

Southern California. This weekend is sure to be one you won’t forget! For more info visit: tvbwf.com

JUNE

JUNE TBA | ROCK & ROLL BEER STROLL

It’s back! Sip and stroll your way through our historic downtown district tasting local craft beer selections during our 3rd Annual Rock & Roll Beer Stroll. Enjoy an afternoon filled with craft beer, live music and a few tasty bites while learning about the unique styles of Northern California breweries. For more info visit: alamedastrolls.com

JUNE 4 - 5 | FILM FESTIVAL

New Media Film Festival, celebrates global stories, technology, and platforms. We continually implement new opportunities outside the norm to bolster creators in media. Through our boundary pushing ideology, we create an environment for creators to thrive. New Media Film Festival is an infinite catalyst for story and technology. Not just any stories, but the stories worth telling. For more info visit: newmediafilmfestival.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

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

2024 GRAND SLAM TOURNAMENT SCHEDULE

TRAIN EXPERIENCES Wonderful

If you haven’t traveled by train, you might like to try it. There are so many fantastic train trips available across the world. They offer opportunities not available any other way. There’s never the hassle of driving and missing the beautiful and scenic countryside. They are eco-friendly,

comfortable, relaxing and also offer refreshments. Trains start and end their journeys in cities and will transport you through diverse and incredible landscapes.

Here are a few amazing train trip options:

JACOBITE TRAIN

If you are traveling in Scotland, be sure to check out the Jacobite. This journey is often described as the greatest rail journey in the world. It takes you 84 miles in total from Fort Williams in the highlands of Scotland to the most westerly stop in Arisaig. It passes by lakes and rivers including Lake Nevis, the deepest in Europe and through charming villages. There is a stop in Glenfinnan which was made famous as the site of the Harry Potter films. Then it is on to Mallaig which was founded in 1840 and is now a busy fishing port. It is a great spot for a walk or some shopping and dining. Try the fish and chips! Then take the return trip or consider taking the ferry to Skye and the Small Isles.

BERNINA EXPRESS

In Switzerland, be sure to check out the Bernina Express which is a 90 mile journey from Tirano in northern Italy to Chur in southeastern Switzerland. Highlights include unparalleled panoramic views of the steep peaks of the Swiss Alps, charming villages and shimmering lakes. With 55 tunnels through the mountains and numerous bridges and viaducts, the vistas are stunning. Chur is the oldest city in Switzerland and the old town is actually car-free. The train has earned UNESCO World Heritage Designation due to its architectural features and long history.

SKAGWAY RAILROAD RAILROAD MUSEUM

In Alaska, don’t miss the Bennett Lake Scenic Journey. A trip through history that began with the gold rush of 1898 when men sought routes to the Klondike and the White Pass. It began in Skagway and continued to British Columbia and the Yukon Territory. The train climbs from sea level to 3,00ft - a true marvel of engineering. Travel in a vintage train from Skagway to Carcass in the Yukon Territory. See snow capped peaks, forests, sparkling lakes, and amazing waterfalls. Visit Bennett Station and the White Pass Museum. You can do a walk through an old gold rush town. Then ride through remote sections of the lake that are otherwise only available by hiking the Chilkoot Trail.

In Parrish, Florida, visit the Museum and see the historic trains of the old South. Or take the 6-mile ride on an early 1900s train from Parrish to Willow to see a rail collection and exhibition. Also they host special train events including a train robbery experience.