Utah 1

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

MAR 11 - 17

APRIL 8 - 14

APRIL

APRIL 15 - 21

* Schedule subject to change

Palmer’s Bay Hill Club & Lodge, Orlando, Florida

Rico Open

Reserve Golf Club, Rio Grande, Puerto Rico

PLAYERS Championship

Sawgrass (THE PLAYERS Stadium Course), Ponte Vedra Beach, Florida

Championship

Resort (Copperhead Course), Palm Harbor, Florida

Children’s Houston Open

Park Golf Course, Houston, Texas

Texas Open

San Antonio (Oaks Course), San Antonio, Texas

Tournament #

National Golf Club, Augusta, Georgia

Town Golf Links, Hilton Head Island, South Carolina

Corales Puntacana Championship Puntacana Resort & Club (Corales Golf Course), Punta Cana, Dominican Republic

APRIL 22 - 28 Zurich Classic of New Orleans

APRIL 29 - MAY 5

MAY 6 - 12

MAY 6 - 12

Louisiana, Avondale, Louisiana

AT&T Byron Nelsons TPC Craig Ranch, McKinney, Texas

Wells Fargo Championship

Quail Hollow Club, Charlotte, North Carolina

Myrtle Beach Classic

Dunes Golf & Beach Club, Myrtle Beach, South Carolina

MAY 13 - 19 PGA Championship #

Valhalla Golf Club, Louisville, Kentucky

ESPN+

+ Signature Event

# Not PGA TOUR Co-sponsored

^ Co-sanctioned with DP World Tour

2024 PGA TOURNAMENT SCHEDULE

Charles Schwab Challenge

MAY 20 - 26

MAY 27 - JUNE 2

JUNE 3 - 9

JUNE 10 - 16

* Schedule subject to change

Colonial Country Club, Fort Worth, Texas CBS, GOLF, ESPN+,

RBC Canadian Open

Hamilton Golf & Country Club, Hamilton, Ontario, Canada

The Memorial Tournament presented by Workday +

Muirfield Village Golf Club, Dublin, Ohio

U.S. Open #

Pinehurst Resort & Country Club (Course No. 2), Village of Pinehurst, North Carolina

JUNE 17 - 23 Travelers Championship +

JUNE 24 - 30

JULY 1 - 7

JULY 8 - 14

JULY 8 - 14

JULY 15 - 21

JULY 22 - 28

JUNE 29 - AUG 4

AUG 5 - 11

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

NBC, USA NETWORK, PEACOCK

Highlands, Cromwell, Connecticut CBS, GOLF, ESPN+,

Rocket Mortgage Classic Detroit Golf Club, Detroit, Michigan CBS, GOLF, ESPN+,

John Deere Classic

TPC Deere Run, Silvis, Illinois

Genesis Scottish Open ^

The Renaissance Club, North Berwick, Scotland

TBA Event

TBA, TBA

Barracuda Championship

CBS, GOLF, ESPN+,

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

3M Open TPC Twin Cities, Blaine, Minnesota

Olympic Men’s Golf Competition #

Le Golf National, Paris, France

Wyndham Championship

Sedgefield Country Club, Greensboro, North Carolina

CBS, GOLF, ESPN+, SXM

CBS, GOLF, ESPN+, SXM

+ Signature Event

# Not PGA TOUR Co-sponsored

^ Co-sanctioned with DP World Tour

2024 LPGA

TOURNAMENT SCHEDULE

* Schedule subject to change

** Purse subject to change

2024 LPGA TOURNAMENT SCHEDULE

* Schedule subject to change ** Purse subject to change

LOCAL EVENTS GUIDE UTAH

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.

MARCH

MARCH 29 - 30 | ART FEST

The St. George Art Festival prides itself on being a world-class family-friendly event. In the City of St. George you can find live music, theater, dance performances, art shows, and countless museums. At the Art Festival these arts areas come together for a truly unforgettable weekend. For more info visit: sgartfestival.com

APRIL

APRIL 5 - 7 | RIVER ROCKS

Join us for a weekend of free field trips with Utah’s finest geologists, paleontologists, and archaeological conservationists. Meet the organizations that preserve and protect our public lands while discovering a bounty of rocks and minerals from vendors at our popup market outside the John Wesley Powell River History Museum. For more info visit: greenriverrocks.com

APRIL 10 - 30 | TULIP FESTIVAL

Over 750,000 spring flowers, including tulips, daffodils, hyacinths, poppies, and more create the award-winning Tulip Festival – an unforgettable display of color and design through the 50-acre Ashton Gardens. You won’t want to miss Utah’s favorite flower festival, only at Thanksgiving Point. For more info visit: https://tinyurl.com/25r88dwj

MAY

MAY 4 | MURAL FEST

Artists from all over Utah and from across the country have brought an exciting vibe to the streets and alleyways of South Salt Lake’s Creative Zone. For more info visit: themuralfest.com

MAY 17 - 19 | TRADITIONS FEST

The Living Traditions Festival supports the diverse artistic traditions and perspectives through the presentation of both historical and contemporary customs, facilitating thoughtful conversations

LOCAL EVENTS GUIDE

UTAH

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.

about the unique qualities of various cultures, and the similarities of the human experience, while creating bonds among community members. By preserving the cultural traditions of their community, Living Traditions artists make a great contribution to our sense of place and help demonstrate Salt Lake City as a diverse and vibrant place to live. Admission is free for all event attendees, which brings together over 90 cultures that have made Salt Lake City their home. For more info visit: https://tinyurl.com/8a3a8e6k

JUNE

JUNE 1 - 2 | MUSIC FESTIVAL

The Ogden Music Festival is our signature event that brings together friends and fans of acoustic music from Ogden and beyond, and is the perfect way to start your summer on a high note, whether it’s high, lonesome bluegrass or some hot licks on the fiddle. For more info visit:

https://tinyurl.com/ymv7dd4j

JUNE 8 | ASIAN FESTIVAL

This year’s festival will honor our communities through traditional and modern performances, children’s activities, and spotlights on cultural, nonprofit, and commercial organizations. As always, food trucks and food booths featuring local businesses will be on site serving delicious food and refreshments. For more info visit: utahasianfestival.org

JULY

JULY 24 | THE DAYS OF ’47

We have exciting things planned for the 2024 version of The Days of ’47 celebration, from the Royalty Competition and Parade, to the Rodeo and all the other colorful events. Our celebration will be full of thrills and spills. Schedule your summer plans to take advantage of our many activities — most` of which are free to the public. Grab your hat, pull on those boots and c’mon down! For more info visit: daysof47.com

LOCAL EVENTS GUIDE UTAH

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 27 - 28 | URBAN ARTS FEST

Rooted in the social and cultural life of the community, Urban Arts Festival provides a platform for cultural art, music, and performance. For more info visit: https://tinyurl.com/5h26ntjj

AUGUST

AUG 1 - 2 | GUYS & DOLLS

In a bustling fictionalized Manhattan, Nathan Detroit challenges high-rolling Sky Masterson to a bet: Sky must take a woman of Nathan’s choosing on a dinner date to Havana, Cuba. Nathan and Sky embark on parallel romantic journeys with Nathan’s fiancé Adalaide and Sky’s target, the pious missionary Sarah Brown. As Sky falls for Sarah Brown and Nathan’s love for Adalaide burns anew, the two men discover what a guy must do to win over the woman he loves. For more info visit: https://tinyurl.com/3hurc88v

AUG 23 - 25 | HOT AIR BALLOON FESTIVAL

You don’t want to miss this epic event! Join us for a weekend-long festival. Look to the skies for dozens of colorful hot-air balloons. From music to balloons, craft fairs to craft beers, this event has something for the whole family. Take a stroll down Main Street to see the hand-painted windows. Look out for sidewalk sales from local shops and look down for epic sidewalk chalk art. For more info visit: dinahdays.com

SEPTEMBER

SEPT TBA | BEER FESTIVAL Attendees will have the opportunity to sample beer flavors and styles, including full-strength selections. Expect to see local producers like Offset Bier and Park City Brewing, as well as nationally recognized brewers, Squatters and Uinta, who kick-started Utah’s craft brew scene. Book lodging at Deer Valley for special rates and up to two general admission tickets. Don’t miss this celebration

LOCAL EVENTS GUIDE UTAH

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.

of Utah’s brewing culture amidst Deer Valley’s mountains! For more info visit: https://tinyurl.com/ypsu9pjz

OCTOBER

OCT TBA | OKTOBERFEST

The annual festival includes a biergarten offering an array of traditional German-style beers and those made by local Utah breweries, including Shades Brewing, Moab Brewery, Bohemian, Uinta and Squatters. For other libation options, visit the outdoor bar at The Forklift. Oktoberfest food choices include select German favorites such as bratwurst, weisswurst, sauerkraut, apple strudel, spaetzle, beef rouladen, pretzels and Bavarian roasted almonds. Beer and food are purchased à la carte.For more info visit: https:// tinyurl.com/yc3bn3hn

OCT 3 - 5 | WINE FEST

Explore all that the Park City Wine Festival presented by Canyons Village Management Association has

to offer. Sip wines from the West Coast to France with 100+ wineries featured at the Grand Tastings. Immerse yourself in the world of wine during expertly paired dinners and lunches throughout the weekend. The adventure continues with paired wine hikes and lifestyle events. Elevate your wine knowledge during classroom-style seminars hosted by winemakers and sommeliers. For more info visit: parkcitywinefest.com

NOVEMBER

NOV 1 - 3 | FOLK FEST

Our mission is to promote community building through music appreciation, education, and environmental stewardship. Based in the small, rural community of Moab, Utah, Friends strives to bring diverse Folk Music talents and educational opportunities from around the country to the area for the entertainment and enjoyment of the local community and visitors. For more info visit: moabfolkfestival.com

LOCAL EVENTS GUIDE UTAH

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.

NOV 8 - 9 | ILLUMINATE

ILLUMINATE is a free celebration of innovation and imagination for the community, art lovers, and families. Artists working with technology and using light as their medium will use Downtown Salt Lake CIty’s Library Square as a canvas to create projection-mapped artwork, 3D Sculptures and exhibits inspired by the theme Mother Nature in Light. For more info visit: illuminatesaltlake.org

DECEMBER

DEC TBA | ZOOLIGHTS

ZooLights will return for its 18th year in December 2024! While the animals slumber, immerse yourself in a wonderland of brilliant light displays featuring animal and holiday scenes throughout the zoo. Explore a holiday walkthrough event filled with your favorite animals in a nature-focused lighting experience. ZooLights only runs throughout December so bring your family, friends, and your special someone for a magi-

cal night out.. For more info visit: https://tinyurl.com/42zsve2d

JANUARY

JAN 23 - 30 | SUNDANCE

The Sundance Institute’s artist programs provide dynamic support at every step of the creative journey for individuals with distinct voices in film and episodic storytelling. Each program consists of labs, grants, intensives, sessions, and ongoing resources for artists to nurture their projects and sustain their careers. Through year-round activities, we provide the space for artists to create and share their stories with the world. Since our inception, the Institute’s programs have supported more than 11,000 artists and fostered a community for independent storytellers to learn, grow, connect, and give back. For more info visit: festival.sundance.org

2024 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

2024 GRAND SLAM TOURNAMENT

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

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.

ADDICTION TREATMENT CENTER

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COUPLES COUNSELING

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INVESTMENTS

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MENTAL HEALTH TREATMENT

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RESTROOM TRAILER RENTALS

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