Palm Beaches FL - 8 by The 55 Spotlight

PALM BEACHES

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.

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

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

Presidents Cup

* Schedule subject to change

The Royal Montreal GC • Montreal, Quebec • CAN NBC, GOLF, PEACOCK, SXM

Sanderson Farms Championship

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

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 NBC, GOLF

PGA TOUR Q-School presented by Korn Ferry

Dye’s Valley Course • Ponte Vedra Beach, FL • USA

+ Signature Event

# Not PGA TOUR Co-sponsored

^ Co-sanctioned with DP World Tour

2024 LPGA

LOCAL EVENTS GUIDE PALM BEACHES

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.

SEPTEMBER

SEPT 14 | BREWFEST

FemAle Brew Fest is a craft beer festival for ALL beer lovers... the festival is not just about serving beers. This beer festival is a platform highlighting and featuring female beer experts and brewers in the beer industry, offering an opportunity to learn about and taste the different types of beers brewed by them. For more info visit: femalebrewfest.com

OCTOBER

OCT 3 - 31 | FRIGHT NIGHTS

Fright Nights is the premier haunted house attraction in South Florida, bringing you bone chilling haunted houses, creepy characters, live entertainment, scare zones, and more! For more info visit: myfrightnights.com

OCT 11 - 13 | OKTOBERFEST

One of the largest in the country. Two bands over the course of two weekends and one band we brought in from Munich! We

offer authentic German cooking, domestic wine and imported beer, a carnival and much more. Mark your calendars for our annual Oktoberfest the second and third weekends of every October. We hope to see you there! For more info visit: oktoberfestflorida.com

OCT 26 - 27 | PIRATE

FEST

Ahoy Mateys - Join Us at Boynton Beach Pirate Fest! Experience the excitement of Boynton Beach Pirate Fest with live Pirate Battles, Enchanted Market, Cannon Firing & more! For more info visit: bbpiratefest.com

NOVEMBER

NOV 15 | CARD SHOW

Located less than 2 miles from the beautiful beaches of West Palm Beach, and minutes from the Palm Beach International Airport, World Champion Sports Cards brings one of the largest card & collectible shows to the state of Florida. For more info visit: palmbeachcardshow.org

LOCAL EVENTS GUIDE PALM BEACHES

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DECEMBER

FEB 7 | WINE, BEER, & SPIRITS FEST

Enjoy a session at Huizenga Plaza with your favorite local brew, exotic wine & craft spirit. Guests will enjoy beer, wine and spirit samples for the session paired with live entertainment, food and interactive games. For more info visit: floridasummerfest.com

DEC

- 15 | FOOD & WINE FEST

This gastronomic experience hosts an unprecedented collection of talent for this four-day foodie festival. Residents and visitors alike will savor the many culinary creations, as master chefs mix, blend and create culinary magic in an unmatched resort destination. For more info visit: pbfoodwinefest.com

JANUARY

JAN 11 - 12 | ART

FESTIVAL

The Downtown Delray Beach Festival of the Arts, consistently ranked as one of the best art

affairs in the U.S. by Sunshine Artist Magazine, blends long-time favorites with the most buzz-worthy names on the contemporary arts scene. This juried art festival of hand-crafted artwork includes glass, photography, painting, mixed media, fiber, jewelry and much more. For more info visit: https://tinyurl.com/ced7ed8y

JAN 17 - 30 | SOUTH FLORIDA FAIR

Over a half million visitors have enjoyed 17 fun-filled days at the South Florida Fair, one of Florida’s oldest and largest community events. Fairgoers are entertained by first class stage shows, concert performances, sensational midway rides, unique shopping and the best of fair food. Visitors experience educational and interactive experiences at historic Yesteryear Village, our award winning Agriplex, and each year are presented with a different themed exposition in the 128,000-square foot Exposition Center. For more info visit: southfloridafair.com

LOCAL EVENTS GUIDE PALM BEACHES

FEBRUARY

FEB

- 2 | GARLIC FEST

Still Stinkin’ After All These Years! The “Best Stinkin’ Party in South Florida” returns for garlicky goodness! Join us as this Internationally Award Winning Event continues the tradition of being the signature food and entertainment event in South Florida. Eat, drink & STINK with us! For more info visit: garlicfestfl.com

FEB 14 - 16 | CRAFT SHOW

The prestigious Palm Beach Fine Craft Show makes its triumphant return to the Palm Beach County Convention Center. This elegant showcase features the nation’s top contemporary craft artists, offering their latest celebrated works in a comfortable, indoor setting. For more info visit: palmbeachfinecraft.com

MARCH

MARCH 1 - 23 | RENAISSANCE FESTIVAL

Travel back in time to the 16th century at the Annual Florida Renaissance Festival at Quiet Waters Park in Deerfield Beach. You’ll meet sword fighters, magicians, heroic knights and over 100 performers ready to entertain you. Feast on a cornucopia of food fit for a king or queen. Visit the Enchanted Artisan Marketplace where merchants will demonstrate and sell their wares. For more info visit: ren-fest.com

MARCH 15 - 16 | FESTIVAL OF THE ARTS

Come and enjoy this fantastic weekend of art, culture and entertainment! The Annual Festival Of The Arts will highlight some of America’s finest artisans and contemporary crafters. There will also be exciting performing arts events including fine dance, theatrical, and literary presentations. For more info visit: csfoa.org

LOCAL EVENTS GUIDE PALM BEACHES

APRIL

APRIL 25 | WINE & FOOD FEST

Over 20 years ago the first Las Olas Wine & Food Festival took place to benefit the American Lung Association. Come together to enjoy the fantastic culinary talents of South Florida, while raising money for a good cause. You will sip, sample and enjoy dishes from 50+ of South Florida’s finest restaurants and more than 40 wineries and breweries and the event is infused with more fun. For more info visit: lasolaswff.com

APRIL 27 | JAZZ FESTIVAL

The Palm Beach International Jazz Festival is a full, one-day music event which will feature highly acclaimed, award winning jazz artists. The festival will honor the many wonderful facets of jazz including the Great American Songbook, jazz standards, Bebop, Brazilian and Latin jazz. A true feast for the ears. For more info visit: palmbeachinternationaljazzfestival.org

MAY

MAY TBA | SUNFEST

SunFest is a large waterfront music and art festival where people are hanging out with good friends, listening to good tunes. Exhibitor will showcase Florida’s largest waterfront music and art festival where people are Hanging out with good friends, listening to good tunes. For more info visit: sunfest.com

JUNE

JUNE 13 -14 | BOAT SHOW

Come and join the West Palm Beach Summer Boat Show at the South Florida Fairgrounds Expo Center. 128,000 square feet showcasing powerboats up to 40’ including center consoles, walkarounds, cruisers, deck boats, pontoons, bass, personal watercraft, and accessories. Insurance and financing will be available onsite; trades are accepted. For more info visit: .southflaboatshow.com

LOCAL EVENTS GUIDE PALM BEACHES

JULY

JULY 4 | INDEPENDENCE DAY

Celebrate America’s Independence Day at the City of Fort Lauderdale’s free 4th of July Spectacular! The Independence Day Celebration will feature a patriotic extravaganza on and along Fort Lauderdale Beach featuring live bands, a kids zone, beach games, contests, family activities and a dazzling fireworks display. For more info visit: https://tinyurl.com/yhfw4jx8

JULY 6 - 23 | SHAKESPEARE BY THE SEA

Palm Beach County’s longest-running, summertime cultural tradition returns when The Palm Beach Shakespeare Festival and Palm Beach County Parks & Recreation present the Shakespeare by the Sea. For more info visit: pbshakespeare.org

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

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.