SAN DIEGO CALIFORNIA | VOL. 8
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RECOMMENDED SERVICE DIRECTORY FEATURED ARTICLES
TRAVEL • LIVING • HEALTH • DINING
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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.
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.
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
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
NOV 7 - 10
NOV 14 - 17
NOV 21 - 24
DEC 5 - 8
DEC 12 - 15
DEC 12 - 15
World Wide Technology Championship
El Cardonal at Diamante • Los Cabos • MEX
Butterfield Bermuda Championship
Port Royal Golf Course • Southampton • BER
The RSM Classic
* Schedule subject to change
GOLF, SXM
GOLF, SXM
Sea Island Golf Club • St. Simons Island, GA • USA GOLF, SXM
Hero World Challenge
Albany GC • Albany • BAH
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
NBC, GOLF
NBC, GOLF
+ Signature Event
# Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
2024 LPGA TOURNAMENT
LOCAL EVENTS GUIDE
SAN DIEGO
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.
NOVEMBER
NOV 1 - 2 | DIA
DE LOS MUERTOS
Dia De Los Muertos honors the dead through multiple festivals and events around the city. On the first weekend of November, you can head to downtown San Diego’s Gaslamp, for a weekend of family friendly festivities. Expect live music, artisan makers, loads of dining options, and amazing margarita selections. For more info visit: oldtownsandiego.org
NOV 1 - 10 | CRAFT
BEER WEEK
This 10-day celebration of all things craft beer brings together the best breweries and venues across the city. Expect delicious tastings, special releases, and food pairings. It’s a fantastic opportunity to explore the thriving local craft beer scene. For more info visit: sdbeer.com
DECEMBER
DEC 8 | CHILI
FEST
A fundraiser for McKinley Elementary with local chili, live music,
arts & crafts, indie goods and lots of good vibes! 100% of the proceeds go to the McKinley School Foundation to support the Dance, Art, music, Spanish and Ceramic Programs at McKinley Elementary School. For more info visit: sonofestchilicookoff.com
DEC
6
- 15 | YULETIDE FEST
Hear ye, hear ye! Lords and Ladies, we’re thrilled to invite you to the enchanting Yuletide Medieval Festival! Immerse yourself in the festive spirit with a medieval twist! Feast like kings and queens with scrumptious food vendors, discover treasures from our artisan craft vendors, witness the thrill of battle with live battle reenactments and jousting tournaments, and more! For more info visit: https://tinyurl.com/2p8zy877
JANUARY
JAN 11 | BREW FEST
The annual San Diego Brew Festival finally returns! The event will feature over 70 breweries, 200
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LOCAL EVENTS GUIDE SAN DIEGO
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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beers, 10 of San Diego’s best food trucks as well as cover bands and lawn games. The 2025 SD Brew Fest will take place at NTC park from noon to 4pm. For more info visit: sandiegobeerfest.com
JAN 24 - 26 | LUNAR NEW YEAR FESTIVAL
SD Lunar New Year Festival is a 3-day celebration of the most important holiday in many Asian cultures. The festival will include folk and traditional performances, arts and cultural exhibitions, lion dances and firecrackers, and plenty of family fun activities for the kids. More importantly, the festival is inclusive and free.For more info visit: sdlunarnewyearfestival.com
FEBRUARY
MARCH 1 - 2 | BIRD FEST
Join the premier celebration of the wild birds, habitats, and bird-friendly people at the San Diego Bird Festival. We support the mission of the San Diego Bird Alliance to defend our region’s
birds, wild habitats, and unique biodiversity. For more info visit: sandiegobirdfestival.org
MARCH
MARCH 8 | CALIENTÉ FEST
This fun Festival features the best of Latin Music, Food, and Spirits. Enjoy an endless sampling of Spirit brands with Tequila, Wine, Whiskey, Vodka, and Gin! Sampling is included in the entry ticket! Mixed beverages and other samplings are all included in your ticket! For more info visit: https://tinyurl.com/3ahmb76y
MARCH 13 - 16 | CHERRY BLOSSOM FESTIVAL
The Japanese Friendship Garden is proud to announce that Cherry Blossom Week returns to welcome the spring season! The celebration will continue to combine both cultural education with family fun and will offer various special daily programs. From kendo demonstrations to week-long vendors, there’s something for everyone to
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LOCAL EVENTS GUIDE SAN DIEGO
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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enjoy! For more info visit: niwa.org
MARCH 19 - 23 | FILM FESTIVAL
The San Diego Latino Film Festival is a celebration of Latino Cinema, Arts & Culture. The festival will present films from Latin America, the United States, all the way to Spain as well. Audiences will have the rare opportunity to meet filmmakers and actors from all over the world. For more info visit: sdlatinofilm.com
APRIL
APRIL 5 | WRITERS FESTIVAL
Storytelling matters! Your story matters, which is why all of our events are FREE and open to the public. If you have joined us in previous years, you are now part of our storytelling family. For more info visit: sandiegowritersfestival.com
APRIL 5 | FESTIVAL OF BEERS
All tickets include: beer sampling from 50+ craft breweries, live music on stage, food and craft vendors and a great Saturday afternoon in North Park! For more info visit: northparkbeerfest.com
MAY
MAY 8 - 11 | GATOR BY THE BAY
Largest, authentic Louisiana-themed festival this side of the bayou. Features 4 days of live music - more than 100 performances on 7 stages, dancing, delicious Southern food - including beignets, gumbo, jambalaya & 10,000 lbs of crawfish. The Most Fun You’ll Find This Side of the Bayou! For more info visit: gatorbythebay.com
MAY 15 - 25 | FRINGE FESTIVAL
Theater lovers from all over the West Coast and across the United States are attracted by this great festival, celebrating performing arts in all forms from street performers to cabaret, comedy, circus,
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LOCAL EVENTS GUIDE SAN DIEGO
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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and dance. The mission of the San Diego International Fringe Festival is to provide a platform for artists and boost the culture scene. For independent artists, San Diego International Fringe Festival is an encouraging environment to communicate and display their work. Fringe is the only festival where 100% of the profits go to artists. For more info visit: sdfringe.org
JUNE
JUNE 1 | WINE FESTIVAL
Enjoy unlimited wine tasting, a personal charcuterie plate, music, silent auction and plenty of sunshine with your all-inclusive ticket. Buy your tickets today! Also, participating wineriies wines will be available for purchase in the Bernardo Winery tasting room on the day of the event.Drink Local, San Diego, and thank you for supporting our local wineries! For more info visit: bernardowinery.com
JUNE 28 - 30 | HIGHLAND GAMES
Join us for the annual San Diego Scottish Highland Games. Experience the wonder, and traditions of Scotland. Guests will enjoy action with our Heavy Athletics competition, where men and women participate in a series of challenges, throwing heavy objects in a show of strength and grit.Be sure to also check out our Highland Dance competition, Bagpipe & Drum bands, whisky tasting, and the Sheepdog Trials. For more info visit: sdhighlandgames.org
JULY
JULY 4 | INDEPENDENCE DAY
Get ready to stretch out on an inviting expanse of sand and watch some extraordinary pyrotechnics against a balmy night sky. Here’s our list of favorite beachside viewpoints, spectacular fireworks shows and other places to go “Fourth” and enjoy the festivities around San Diego.For more info visit: https://tinyurl.com/rkbuydcx
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LOCAL EVENTS GUIDE SAN DIEGO
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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AUGUST
AUG 5 - 10 | DEL MAR
SUMMER FESTIVAL
HITS Del Mar welcomes equestrians for eleven weeks of top-level hunter/jumper competitions including two weeks of FEI 2* showjumping and National and Premier Hunters! For more info visit: https://tinyurl.com/ph4y9dup
SEPTEMBER
SEPT 10
- 11
| PLUMERIA FEST
Presented by the Southern California Plumeria Society, our annual Plumeria Festival offers live entertainment, an amazing Flower Show, along with one of Southern California’s largest and most extensive potted Plant Sale. This event is free and open to the public in the Casa del Prado, Balboa Park, San Diego, CA. Thousands of people visit us every year! For more info visit: https://tinyurl.com/2jsxcwya
OCTOBER
OCT TBA | BEACHFEST
Come see what all the excitement is about. pacific beachfest is san diego’s premier beach festival located in the heart of beach town: pacific beach. Enjoy this free, fullday, family-friendly, music-packed event. For more info visit: pacificbeachfest.org
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
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 BERNINA EXPRESS
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.
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.
