TOP 10 WAYS TO PREPARE FOR RETIREMENT
Saving Matters! Remember
Financial security in retirement doesn’t just happen. It takes planning and commitment and, yes, money.
FACTS
✔ Only about half of Americans have calculated how much they need to save for retirement.
✔ The average American spends roughly 20 years in retirement.
Putting money away for retirement is a habit we can all live with.
1. START SAVING, KEEP SAVING, & STICK TO YOUR GOALS!
If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you’re not saving, it’s time to get started.
Start small if you have to and try to increase the amount you save each month. The sooner you start saving, the more time your money has to grow. Devise a plan, stick to it, and set goals. Remember, it’s never too early or too late to start saving.
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2. KNOW YOUR RETIREMENT NEEDS!
Retirement is expensive. Experts estimate that you will need 70 to 90 percent of your preretirement income to maintain your standard of living when you stop working. Take charge of your financial future. The key to a secure retirement is to plan ahead.
3. CONTRIBUTE TO YOUR EMPLOYER’S RETIREMENT SAVINGS PLAN!
If your employer offers a retirement savings plan, such as a 401(k) plan, sign up and contribute all you can. Your taxes will be lower, your company may kick in more, and automatic deductions make it easy. Over time, compound interest and tax deferrals make a
big difference in the amount you will accumulate. Find out about your plan. For example, how much would you need to contribute to get the full employer contribution and how long would you need to stay in the plan to get the money.
4. LEARN ABOUT YOUR EMPLOYER’S PENSION PLAN
If your employer has a traditional pension plan, check to see if you are covered by the plan and understand how it works. Ask for an individual benefit statement to see what your benefit is worth. Before you change jobs, find out what will happen to your pension benefit. Learn what benefits you may have from a previous employer. Find out if you will be entitled to benefits from your spouse’s plan.
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5. CONSIDER BASIC INVESTMENT PRINCIPLES
How you save can be as important as how much you save. Inflation and the type of investments you make play important roles in how much you’ll have saved at retirement. Know how your savings or pension plan is invested. Learn about your plan’s investment options and ask questions. Put your savings in different types of investments. By diversifying this way, you are more likely to reduce risk and improve return. Your investment mix may change over time depending on a number of factors such as your age, goals, and financial circumstances. Financial security and knowledge go hand in hand.
6. DON’T TOUCH YOUR RETIREMENT SAVINGS!
If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.
7. ASK YOUR EMPLOYER TO START A PLAN!
If your employer doesn’t offer a retirement plan, suggest that it start one. There are a number of retirement saving plan options available. Your employer may be able to set up a simplified plan that can help both you and your employer.
8. PUT MONEY INTO AN INDIVIDUAL RETIREMENT ACCOUNT!
You can put up to $6,500 a year into an individual Retirement Account (IRA); you can contribute even more if you are 50 or older. You can also start with much less. IRAs also provide tax advantages. When you open an IRA, you have two options – a traditional IRA or Roth IRA. The tax treatment of your contributions and withdrawals will depend on which option you select. Also, the after-tax value of your withdrawal will depend on
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inflation and the type of IRA you choose. IRAs can provide an easy way to save. You can set it up so that an amount is automatically deducted from your checking or savings account and deposited in the IRA.
9. FIND OUT ABOUT YOUR SOCIAL SECURITY BENEFITS!
On average, Social Security retirement benefits replace 40 percent of pre-retirement income for retirement beneficiaries. The amount of your wages that Social Security retirement benefits replace varies depending on your earnings and the age you choose to start receiving benefits. You may be able to estimate your benefit by using the retirement estimator on the Social Security Administration’s website.
10. ASK QUESTIONS!
While these tips are meant to point you in the right direction, you’ll need more information. Talk to your employer, your bank, your union, or a financial adviser. Ask questions and make sure you understand the answers. Get practical advice and act now.
Courtesy of US Dept. of Labor
2025 DESIGN TRENDS
EACH YEAR BRINGS NEW TRENDS IN INTERIOR DESIGN & 2025 IS NO DIFFERENT.
As the world changes, needs and desires change. Interior design can enhance your home environment with new ideas. We want our homes to appeal to all our sensesSensorial design. Vivid colors, environmentally friendly materials and luxury comfort are a few of the current trends.
Colors such as reds, oranges, purples, and maroons will be popular. These are called lucky colors in some cultures.
Accordingly they attract wealth and business success. No more plain walls - wallpapered and colored ceilings as well as textured walls are back. In addition, bold patterns and textures add drama, depth and visual interest to your room. Ceiling treatments also create visual interest. Beams or a coffered ceiling bring texture, depth and character to plain surfaces. They also reduce noise and add a bit of elegance.
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Earth tones such as terracotta, ochre, rust and sage are always popular as they reflect nature and create a calm environment that makes a space feel warm and welcoming. To add a little luxury to any space, use gold, bronze, copper or silver finishes with small touches.
Furniture tends to be comfortable and relaxed without sacrificing style. Oversized sofas, comfortable chairs, lounge chairs and even daybeds are popular again. Curved and rounded furniture as well as accent pieces will be popular. They work with either traditional or modern design.
Dark warmer wood tones are back after years of light wood. To change the look of a piece of furniture or cabinet, stain it a walnut hue. Mix in modern with traditional. Darker
tones bring a warm, grounded feeling.
Lighting is an important part of any design project. Consider a layered lighting scheme that incorporates a mixture of overhead lighting, floor and table lamps and sconces. Think of fixtures as art and jewelry for your home. Lighting helps create a functional and welcoming home. Be sure to use dimmable lights as that enhances the mood in any room.
Small changes can reinvigorate your home in keeping with the 2025 design. Paint a wall, wallpaper a bathroom ceiling, add a colorful rug to a neutral room. It’s all about enjoying your home and feeling comfortable.
2025 PGA TOURNAMENT SCHEDULE
SCHEFFLER $3,600,000 * Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
FEB 6 - 9
FEB 13 - 16
FEB 20 - 23
FEB 27 - MAR 2
MAR 6 - 9
WM Phoenix Open TPC Scottsdale (Stadium Course) • Scottsdale, AZ • USA
The Genesis Invitational + The Riviera Country Club • Pacific Palisades, CA • USA
Mexico Open at VidantaWorld VidantaWorld • Vallarta • MEX
Cognizant Classic in The Palm Beaches PGA National Resort (The Champion Course) • Palm Beach Gardens, FL • USA
Arnold Palmer Invitational presented by Mastercard + Arnold Palmer’s Bay Hill Club & Lodge • Orlando, FL • USA
MAR 6 - 9
MAR 13 - 16
MAR 20 - 23
MAR 27 - 30
APR 3 - 6
APR 10 - 13
Puerto Rico Open
Grand Reserve Golf Club • Rio Grande • PUR
THE PLAYERS Championship
TPC Sawgrass (THE PLAYERS Stadium Course) • Ponte Vedra Beach, FL • USA
Valspar Championship Innisbrook Resort (Copperhead Course) • Palm Harbor, FL • USA
Texas Children’s Houston Open Memorial Park Golf Course • Houston, TX • USA STEPHAN JAEGER $1,638,000
Valero Texas Open
TPC San Antonio (Oaks Course) • San Antonio, TX • USA
Masters Tournament
Augusta National Golf Club • Augusta, GA • USA
2025 LPGA TOURNAMENT SCHEDULE
LOCAL EVENTS GUIDE ATLANTA
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.
JANUARY
JAN 9 - 12 | BOAT SHOW
Georgia’s biggest boating extravaganza returns to downtown Atlanta’s Georgia World Congress Center. The Show is a must-see for boating enthusiasts of all ages, with 600+ of the newest boats available, along with the latest advancements in marine accessories, technology and gear. Don’t miss a thing at this year’s show! For more info visit: atlantaboatshow.com
JAN 24 - 25 | ANTIQUES
SHOW
Visit the Cathedral of St. Philip to explore the worlds of antiques, architecture, art, florals and design. This event offers attendees first choice of fine period furniture, art, jewelry and accessories and a viewing of the beautiful Flower Festival. Enjoy wine and delicious food and stroll the Cathedral! For more info visit: cathedralantiques.org
FEBRUARY
FEB 8 | CHILI
SHOWDOWN
It’s our annual Chili Showdown! Seeking contestants to enter their favorite chili recipe; contestants will need to make a large 10 qt. serving and bringing in a crockpot; with ladle and optional garnishes. Attendees pay $10 to taste a sampling of each chili and vote for your favorite! Live music on the main stage; blazing fires and cold beer & cocktails! it’s a fun day at The Garden! For more info visit: https://tinyurl.com/aj9ahs8d
FEB 22 | BEER, BOURBON, & BBQ FESTIVAL
Enjoy all those pleasures that true Southerners live by – Beer, Bourbon, Barbeque, Boots, Bacon, Biscuits, Bluegrass and Smoked Beasts! It’s a great day of beer sippin’, bourbon tastin’, music listenin’, cigar smokin’, and barbeque eatin’. For more info visit: atlanta.beerandbourbon.com
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LOCAL EVENTS GUIDE ATLANTA
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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MARCH
MARCH 14 - 16 | FOOD & WINE FESTIVAL
A three-day food and wine festival in Georgia featuring over 200 wines from vintners across the globe as well as the most sought-after international liquors for your tasting pleasure. The festival highlights our region’s most creative chefs and culinary talent and includes an eclectic mix of performers and visual artists. Lake Oconee provides a scenic backdrop for this fabulous lakeside food and wine festival. For more info visit: lakeoconeefoodandwine.com
MARCH 15 | ST. PATRICK’S PARADE
Atlanta’s St. Patrick’s Day parade dates back to 1858, making it one of the country’s oldest. Participation in the parade is not just an “Irish thing”. The parade attracts individuals and groups from around the city and the South including clowns, floats, bands, Bagpipe & Drum Corps, children,
dancers, drill teams, and more! For more info visit: atlantastpats.com
APRIL
APRIL 11 - 13 | DOGWOOD FEST
The Atlanta Dogwood Festival is Atlanta’s annual celebration of the blooming of its native dogwood trees. The Dogwood arts festival has filled Midtown Atlanta’s Piedmont Park with live music, arts and crafts, food booths and family-friendly activities. For more info visit: dogwood.org
APRIL 24 - 30 | FILM FESTIVAL
The Atlanta Film Festival is one of the largest and longest-running film festivals in the country. It showcases a variety of genres, among them documentaries, narratives, foreign films, experimental film, animation and local production. Come join us for this 7 day film spectacular! For more info visit: atlantafilmfestival.com
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LOCAL EVENTS GUIDE ATLANTA
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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MAY
MAY 1 - 30 | RENAISSANCE FEST
The Georgia Renaissance Festival brings a 16th-century European country fair to the Atlanta area. The renaissance festival offers visitors a variety of activities from jousting tournaments to glass-blowing demonstrations to sword-swallowing shows. So come travel back in time with us for some fun fantasy action! For more info visit: garenfest.com
MAY 17 | PORCHFEST
Celebrating community through music on the front porches. Get ready to rock the picturesque porches of Virginia Highland. Porchfest will kick off with a Rock n Run jog starting at 11 am, followed by local bands playing live music on porches for 1-hour slots between 12 and 6 pm, with a finale performance in John Howell Park from 6 to 7 pm. For more info visit: https://tinyurl.com/bdfrr8nw
JUNE
JUNE 6 - 7 | BLUEBERRY FEST
The Georgia Blueberry Festival is a locally organized festival. Its goal is to honor and recognize the importance of the blueberry crop to Alma and Bacon County and to thank those who are involved in the production of the blueberries. The Festival provides entertainment, activities, and food to local residents and visitors. For more info visit: georgiablueberryfestival.org
JUNE 6 - 8 | SUMMERFEST
Set in the beautiful Virginia-Highland neighborhood of Atlanta, Summerfest celebrates community and all things summer. Kick off your summer with live bands, shop great art, eat good food, run the 5K, and enjoy everything this neighborhood festival has to offer. For more info visit: vahi.org/summerfest
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LOCAL EVENTS GUIDE ATLANTA
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. (. . .continued from 26)
JULY
JULY 4 | INDEPENDENCE DAY
Fourth of July in Atlanta offers a host of traditional activities through which visitors and residents alike can celebrate the nation’s birthday! Along with a burgeoning slate of barbecue and concert options, fireworks remain the marquee attraction on Independence Day, and Atlanta offers no shortage of locales that wow. For more info visit: https://bit.ly/2SBbuzx
JULY 19 - 20 | BUTTERNUT CREEK FESTIVAL
The Butternut Creek Festival is one of the finest juried arts and crafts shows in the southeast. The two day festival showcases the work of 70 to 75 artists and craftsmen in categories from basketry, candles & soap, fine art, fabric art, and decorative painting, to glass, jewelry, pottery, scrimshaw, and woodturning. Join us to explore all of these great artist works! For more info visit: butternutcreekfestival.com
AUGUST
AUG 30 - 31 | TASTE OF SOUL
Soul in the City is Taste of Soul Atlanta’s ticketed Weekend Concert, both Saturday & Sunday concerts are set outside in West Downtown across from the Mercedes Benz stadium. This line up of hot R&B and Soul Artist will raise your body heat. Sunday’s Soul in the City line up is a Soulful concert where guests enjoy an evening of live performances at elegant tables that can be paired with global Soul Food selections and drinks. For more info visit: tasteofsoulfest.com
SEPTEMBER
SEPT TBA |
SWEET AUBURN
Are you looking for a weekend with Fun-Filled EntertainmentLive Music, Good Food, National Artists, and Celebrities - all free… The Sweet Auburn Music Fest is what you have been waiting for! For more info visit: sweetauburnmusicfest.com
LOCAL EVENTS GUIDE ATLANTA
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.
SEPT
19
- 21 | SHAKY KNEES
With more than 60 bands each year Shaky Knees is a rock-lover’s dream. While enjoying live music, explore food from all over, from good ol’ southern BBQ to vegetarian friendly corn dogs, the food trucks at Shaky Knees have something for even the pickiest eater. Shaky Knees is more than just a music festival it’s a whole experience! For more info visit: shakykneesfestival.com
OCTOBER
OCT 1 - 29
| PUMPKIN FESTIVAL
Play by day as you enjoy family-friendly park attractions and special fall entertainment featuring some of your favorite classic storybook characters. Then, after the sun goes down, you’ll glow by night in a whole new light with plenty of not-so-spooky outdoor experiences! For more info visit: https://bit.ly/3kdBLMg
NOVEMBER
NOV 21 - 30 |
FESTIVAL OF TREES
There is something for everyone at the Georgia Festival of Trees! This experience is fun for all ages and includes a forest of fully-decorated Christmas trees, children’s activities, lying entertainment, boutique gift shops, sugar cookie decorating, a Christmas Gingerbread competition… and so much more! For more info visit: gafestivaloftrees.org
DECEMBER
DEC
12 - 13
| WINTERFEST
The Winterfest weekend will kick off with the Tour of Lights Block Party! This ticketed event will feature safe streets to enjoy festive holiday lights, food trucks, s’mores, and drinks for purchase, as well as live music. For more info visit: https://tinyurl.com/5n8n6v6w
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
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
TRAVELING TO ICELAND.
Iceland is a small Nordic country in Europe known for its dramatic landscape with volcanoes, geysers, hot springs, lava fields and massive glaciers. It is also known for its distinct Nordic culture based on folklore and mythology, dating back to the Vikings who were first to colonize the land. Later, it was
under Danish rule and gained its independence in 1944 and is a founding member of NATO. Despite having its own distinct language and being a country of only 384,000 people, English is spoken widely as it is taught in school as a second language.
The capital city is Reykjavik which is known for its lively nightlife, modern museums, excellent dining, galleries and shopping. It is the base from which to explore all that Iceland has to offer.
The best time to visit is May through October but those are also the busiest times. Iceland is an outdoor enthusiast’s paradise. There are so many adventures to choose from whether it is the natural wonders under the summer’s midnight sun or seeking the aurora borealis in winter months.
Spend a day touring the Golden Circle and see three incredible natural events. Starting in the capital, Reykjavik, drive into the southern uplands to Pingvellir National Park, onto the Geysir geothermal area and then the Gullfoss waterfall and end back in the city.
Pingvellir is a UNESCO world heritage site and the first place settled in south Iceland. See Iceland’s largest lake, the Langjokull glacier, hike the North American plate and see Game of Thrones scenery at Almannagja gorge and then view the amazing Oxarafoss waterfalls. If you are
really adventurous, snorkel at Silfra, one of the world’s top 10 dive sites.
Drive on to the Geysir Geothermal area in the Haukadalur Valley. See the volcanic landscape and arrive at Strokkur which is the geyser that erupts every 6-10 minutes shooting hot water as high as 130 feet into the air. Walking through the valley, view many hot springs, smaller geysers and bubbling mud spots.
The last stop is Gullfoss Waterfall which is famous for its 2 drops, falling 100 feet and view the rainbows that shoot from the spray. Finish the day with a leisurely drive back to Reykjavik allowing time for stops along the way.
The cold waters off the coast attract an abundance of sea life including over 20 species of whales, including dolphins and porpoises. Tours can be found all over the country but the best spot is in the seaside village of Dalvick in the north.
Caving is a popular and extraordinary experience. Because Iceland is one of the most active
and inactive volcanic regions. It has incredible rock formations above and below the earth’s surface. Tube caves inside glaciers form after magma flows underneath the earth’s surface and lava solidifies overhead. Tours operate safely year-round with geologists as guides. Be prepared with proper clothing and footwear as caves are chilly and there is often dripping water. Floors are
rugged, so sturdy boots are necessary. The caves are unexpectedly large and many have staircases and walkways for safe exploration. The most unique is Prihnukargigur (3 Peaks Crater) which takes you across lava fields to the cable car down 400 feet into a volcano that has been extinct for over 4500 years. The crater is the size of 3 basketball courts and as tall as the Statue of Liberty.
- a place like no other!
Smith
