NASHVILLE TENNESSEE | VOL. 2
TOP 10 WAYS TO PREPARE FOR RETIREMENT
Remember
Saving Matters!
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.
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.
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
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.
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
* Schedule subject to change
JAN 2 - 5
JAN 9 - 12
JAN 16 - 19
JAN 22 - 25
JAN 30 - FEB 2
FEB 6 - 9
FEB 13 - 16
FEB 20 - 23
FEB 27 - MAR 2
MAR 6 - 9
The Sentry + Plantation Course at Kapalua • Kapalua, Maui, HI • USA
Sony Open in Hawaii Waialae Country Club • Honolulu, HI • USA
The American Express Pete Dye Stadium Course • La Quinta, CA • USA
Farmers Insurance Open Torrey Pines Golf Course (South Course) • San Diego, CA • USA
AT&T Pebble Beach Pro-Am + Pebble Beach Golf Links • Pebble Beach, CA • USA
WM Phoenix Open TPC Scottsdale (Stadium Course) • Scottsdale, AZ • USA
The Genesis Invitational + The Riviera Country Club • Pacific Palisades, CA • USA
CLARK $3,600,000
MAR 6 - 9
Mexico Open at VidantaWorld VidantaWorld • Vallarta • MEX JAKE KNAPP $1,458,000
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
Puerto Rico Open
Grand Reserve Golf Club • Rio Grande • PUR
+ Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
ECKROAT $1,620,000
2025 PGA TOURNAMENT SCHEDULE
DATES TOURNAMENT
* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
MAR 13 - 16
MAR 20 - 23
MAR 27 - 30
APR 3 - 6
APR 10 - 13
APR 17 - 20
APR 17 - 20
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
Valero Texas Open TPC San Antonio (Oaks Course) • San Antonio, TX • USA
Masters Tournament
Augusta National Golf Club • Augusta, GA • USA
RBC Heritage + Harbour Town Golf Links • Hilton Head Island, SC • USA
Corales Puntacana Championship
Puntacana Resort & Club (Corales Golf Course) Punta Cana • DOM
APR 24 - 27
Zurich Classic of New Orleans TPC Louisiana • Avondale, LA • USA
MCILROY, SHANE LOWRY $1,286,050
MAY 1 - 4
MAY 8 - 11
MAY 8 - 11
THE CJ CUP Byron Nelson TPC Craig Ranch •McKinney, TX • USA
Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA
Myrtle Beach Classic
Dunes Golf and Beach Club • Myrtle Beach, SC • USA CHRIS GOTTERUP $720,000
2024 - 2025 LPGA TOURNAMENT SCHEDULE
2025 LPGA
LOCAL EVENTS GUIDE NASHVILLE
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 1 - 31 | FESTIVAL OF LIGHTS
With all new designs and over a thousand colorful lanterns, this walkthrough experience is sure to delight all ages. Chinese artists have reimagined Chinese folklore in bright and colorful scenes throughout the Zoo. For more info visit: nashvillezoo.org
JAN 24 - 25 | CHOCOLATEFEST
Totally Delicious! ChocolateFest offers a day full of sweets and gifts from area chocolatiers, bakeries, restaurants, caterers, and various other non-food type vendors! Get the VIP treatment with a tasting ticket! For more info visit: mychocolatefest.com
FEBRUARY
FEB 15 | CHOCOLATE, WINE, & WHISKEY FESTIVAL
Enjoy Chocolate in a multitude of decadent presentations – from sweet hand-rolled truffles to oooey goooey melted chocolate fondue and an amazing selection
of bean-to-bar artisan chocolates – Quench your thirst with Champagne, Prosecco and premium wines and a sip of fine whiskies! Cupcakes, cookies, cakes, candies, Macarons, cake pops, bean-to-bar chocolates, popcorn, donuts and more! For more info visit: https://tinyurl.com/3eyywypw
FEB 22 | BEER FEST
Who’s coming to Tennessee Winter Beer Fest this year? Here’s who will be joining us! Are you excited? Because we are! For more info visit: tennesseewinterbeerfest.com
MARCH
MARCH 1 | PIE FEST
Pizza Pies. Dessert Pies. We love them all! If you’re a fine of pies too, then join us for our inaugural Pie Town Pie Fest. Nashville’s finest restaurant purveyors are gathering together to bring you a taste of their finest pizzas & dessert pies. Your ticket includes 15 samples of both dessert & pizza pies from Nashville’s beloved bakeries, pizza
LOCAL EVENTS GUIDE NASHVILLE
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.
parlors and Italian eateries participating in the festival. Sample your way across Nashville on a single plate. For more info visit: https://tinyurl.com/33udee7e
MACH 13 - 16 | ELVIS FESTIVAL
Join fans from around the world for the 9th annual Nashville Elvis Festival - March 13-16, 2025. Nashville Elvis Festival is a premier Elvis event unlike any other, celebrating the music and legacy of Elvis Presley. Join us for a weekend of live music performances, special guests, Graceland’s Ultimate Elvis Tribute Artist competition and much more! For more info visit: https://tinyurl.com/4d54b3uc
APRIL
APRIL 3 - 13 | COMEDY
FESTIVAL
Experience Nashville with a laugh. The annual Nashville Comedy Festival features some of the funniest comedians in the world. The comedians perform at various venues throughout Nashville and bring non-stop laughter to
all attendees. For more info visit: https://tinyurl.com/mpdd4mef
APRIL 12 | BEER FESTIVAL
Enjoy the annual East Nashville Beer Festival is Saturday Attendees can expect dozens of local and regional craft breweries, food trucks, and live music. For more info visit: eastnashvillebeerfest.com
APRIL 26 - 27 | NASHVILLE MARATHON
Marathon, half marathon, and 5k race held in April with runners from around the world. In 2012, participation surpassed 30,000 runners. For more info visit: runrocknroll.com
MAY
MAY TBA | ROSÉ FEST
Pink isn’t just a color for wine. It’s a powerful statement supporting the Tennessee Breast Cancer Coalition! Help us raise funds for them while you sip on some rosé!
LOCAL EVENTS GUIDE NASHVILLE
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.
For 2024, we are increasing the selection of amazing Rosé wines, expanding our cocktail program, and as always, featuring a variety of local craft beer plus RTD’s. We will have DJs spinning all day, live performance art, craft vendors, and delicious food trucks. For more info visit: nashvillerosefestival.com
JUNE
June 5 - 8 | Music festival
CMA Fest is the longest-running Country Music festival in the world and your attendance allows CMA to give back! A portion of proceeds from CMA Fest will support the CMA Foundation and their mission to shape the next generation through high quality music education. For more info visit: cmafest.com
JUNE 13 - 25 | BLUEGRASS NIGHTS
Springer Mountain Farms “Bluegrass Nights at the Ryman” returns to Nashville’s historic Ryman
Auditorium for its 30th year this summer. Ryman Auditorium has celebrated the distinction as the birthplace of bluegrass music with a six show series featuring incredible performances by the biggest names in bluegrass. For more info visit: https://tinyurl.com/3d4drvfp
JULY
JULY 4 | LET FREEDOM SING!
Held every Fourth of July at Riverfront Park, featuring a street festival and live music, and culminating in one of the largest fireworks shows in the country. For more info visit: https://tinyurl.com/3vkxc49z
AUGUST
AUG 8 - 9 | TOMATO ART FEST
Held each August in East Nashville, this event celebrates the Tomato as a Unifier.
The 2-day festival and concert are free to attend, welcoming to all, and costumes are encouraged. The annual festival attracts people from all over with fun-themed art,
LOCAL EVENTS GUIDE NASHVILLE
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.
local music, delicious food, costumes, wacky contests, shopping, kids activities, & more. For more info visit: tomatoartfest.com
AUG 14 - 23 | STATE FAIR
The State Fair is held in September at the State Fairgrounds, which lasts nine days and includes rides, exhibits, rodeos, tractor pulls, and numerous other shows and attractions. For more info visit: wilsoncountytnstatefair.com
SEPTEMBER
SEPT TBA | PILGRIMAGE MUSIC FESTIVAL
Pilgrimage Music & Cultural Festival was inspired by friendship, history, experience and the desire to create an authentic music festival. Considering Franklin’s music and cultural history, Kevin wanted the community to further appreciate combining this with the beauty and rustic quality of Middle Tennessee in the fall, and with the blessing of the City, began to dream up a music festival
to do it justice. For more info visit: pilgrimagefestival.com
SEPT 18 - 24 | FILM FESTIVAL
A weeklong festival with hundreds of independent films! It is one of the largest film festivals in the Southern United States.The Nashville Film Festival features premium in-person screening events, incredible interactive audiences, and a myriad of accompanying special events including after parties, live music performances, panels and workshops. For more info visit: nashvillefilmfestival.org
OCTOBER
OCT 4 | CULTURAL FESTIVAL
A free event held the first Saturday in October at Centennial Park, it is Middle Tennessee’s largest multicultural festival and includes music and dance performances, ethnic food court, children’s area, teen area, and marketplace. For more info visit: celebratenashville.org
LOCAL EVENTS GUIDE NASHVILLE
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.
OCT 18 - 19 | FESTIVAL OF BOOKS
The Southern Festival of Books: A Celebration of the Written Word is among the oldest literary festivals in the country, annually welcoming hundreds of authors and thousands of visitors to downtown Nashville each October. The Festival, a program of Humanities Tennessee, is free and includes performance stages, food trucks, and loads of publishers and booksellers. For more info visit: sofestofbooks.org
NOVEMBER
NOV 21 - 22 | BOOK FAIR
A book fair is a display or sale of books that can be held by publishers, booksellers, or other organizations. Book fairs can be used to promote books, raise money for a cause, or celebrate authors and book lovers. For more info visit: https://tinyurl.com/2tjusju7
DECEMBER
DEC 2 - 31 | FESTIVAL OF LIGHTS
Join us the month of December for our Holiday Festival of Lights! The 0.75-mile greenway at the Cove at Concord Park features a sparkling light display coordinated to music with a number of fire pits to enjoy. Each night there will be a variety of holiday activities designed for the whole family. For more info visit: https://tinyurl.com/3xbz7hum
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!
RETIREMENT
