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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

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 PGA TOURNAMENT SCHEDULE

* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour

MAR 20 - 23

MAR 27 - 30

APR 3 - 6

APR 10 - 13

APR 17 - 20

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

National Golf Club • Augusta, GA • USA

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

MAY 1 - 4 THE CJ CUP Byron Nelson TPC Craig Ranch •McKinney, TX • USA

MAY 8 - 11

MAY 15 - 18

Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA

Myrtle Beach Classic

Dunes Golf and Beach Club • Myrtle Beach, SC • USA

Championship

Quail Hollow Club • Charlotte, NC • USA

2025 LPGA TOURNAMENT SCHEDULE

2025 LPGA TOURNAMENT

LOCAL EVENTS GUIDE TAMPA BAY

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 22 - 23 | HOME SHOW

Tampa Home Show is an international trade show and exhibition on Custom cabinets, kitchens & baths, sunrooms, awnings & decks. Tampa Home Show will feature elite contractors from all categories including irrigation, garden displays, tree experts, pools & spas, interior design specialists along with outdoor design consultants, and so much more. For more info visit: tampahomeshow.com

MARCH 29 | EMPANADA FEST

A festival that brings together a tantalizing array of flavors and fillings, uniting people in the joy of this beloved Latin American pastry. For more info visit: tampaempanadas.com

APRIL

APRIL 5 | HIGHLAND GAMES

Take a day trip to Scotland via Dunedin’s Highland Games. The annual festival that taps into this Florida town’s Scottish roots

features pipe bands, dancing and competitive games and sports, like the tossing of the caber. For more info visit: dunedinhighlandgames.com

APRIL 8 - 12 | WINE & FOOD FEST

The Tampa Bay Wine and Food Festival will take place annually in the spring to celebrate the culinary talents of the incredible chefs and gastronomic masters in the Tampa Bay area over four days of events presented by Breakthru Beverage Fl. For more info visit: tampabaywff.com

APRIL 11 - 13 | BLUES FESTIVAL

Each year since 1995, some of the biggest names in blues music have taken the stage at the Tampa Bay Blues Festival. With acres of plush grass and palm trees, Vinoy Park is the perfect tropical setting for one of the world’s biggest and best blues concerts. For more info visit: tampabaybluesfest.com

LOCAL EVENTS GUIDE TAMPA BAY

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MAY

MAY 2 - 3 | RIVERFEST

Riverfest is a public, two-day, free event that is held the first weekend in May each year. The festival spans the entire length of the Riverwalk including several parks and features family-friendly activities and events showcasing Tampa’s cultural institutions, local musicians and restaurants. For more info visit: thetampariverwalk.com

JUNE

JUNE 11 - 22 | FRINGE FESTIVAL

Tampa Fringe is an international festival of indie performance: From stand up and improv, to theater and dance, to weird performance art — at reasonable rates, so you can enjoy all this year’s offerings!For more info visit: festival.tampafringe.org

JUNE 16 - 21 | JUNETEENTH FEST

The Annual Juneteenth Festival is back! Join us as we produce another family-friendly Cultural Extravaganza. Get ready to enjoy

entertaining live DJ’s, slingshot car shows, artistic dance performances, musical guests, KidsZone, and so much more! All of this entertainment was wrapped up by retail vendors, community resource booths, and a variety of food vendors! For more info visit: roctheblockinc.com

JULY

JULY 4 | INDEPENDENCE DAY

Tampa goes big for the 4th of July celebration every year. People gather to commemorate Independence Day and create unforgettable moments. We know how complicated it may be to choose a worthy destination in such a city full of events. That’s why we compiled a list of the best-in-class events you might want to visit to have the time of your life. For more info visit: https://tinyurl.com/3pzdh4fm

LOCAL EVENTS GUIDE TAMPA BAY

JULY 12 | ROMANCE BOOK BASH

Join us for a sizzling day filled with your favorite romance authors! Get ready to feel the heat as you meet and mingle with writers who will sweep you off your feet with their captivating stories. Whether you’re into sweet romance or steamy love tales, this event has something for everyone. Don’t miss out on the chance to discover new books, chat with authors, and maybe even find your next book crush. Mark your calendar for this romantic rendezvous! For more info visit: https://tinyurl.com/yrkzz2z2

AUGUST

AUG 29 - 31 | THEATRE FESTIVAL

The Tampa Bay Theatre Festival (TBTF), is back! The mission is to unite artists and theatre lovers within and beyond the Tampa Bay Area for an amazing weekend of education and entertainment. Attendees will experience powerful, informative workshops led by trained professionals, in addition to scene, monologue, and short play competitions, and theatrical

entertainment that will leave audiences with a memorable experience. For more info visit: tampabaytheatrefestival.com

SEPTEMBER

SEPT 13 - 14 | CRAFT FESTIVAL

Craft Festival in Historic Tarpon Springs Sponge Docks. More than 90 of the nation’s top artists and crafters with Made in the USA creations. From jewelry to ceramics to plants to photography to paintings and homemade soap, something to please everyone. For more info visit: https://tinyurl.com/mr3ejk2j

SEPT 27 | FAMILY FEST

Free fun for the whole family! Come and celebrate the start of Fall in Tampa Bay! Tickets not needed to attend. For more info visit: https://tinyurl.com/2xhxuv63

LOCAL EVENTS GUIDE TAMPA BAY

OCTOBER

OCT 10

- 12 | OKTOBERFEST

Get your lederhosen ready as the annual German beer festival Oktoberfest returns. This multi-day event is filled with beer, dancing and German food. It’s the perfect time to enjoy the wide range of craft breweries the “Gulp Coast” has to offer. For more info visit: oktoberfesttampa.com

OCT 6 - 19 | JAZZ HOLIDAY

Four days of swinging jazz surrounded by warm breezes and wafts of sea-salty air. At the Clearwater Jazz Holiday, you’ll not only be treated to a warm atmosphere, you’ll also take in the sounds of top musical performers. For more info visit: clearwaterjazz.com

NOVEMBER

NOV 1

| AUTO SHOW

The Tampa Bay International Auto Show, which is held at the Florida State Fairgrounds, not the Tampa Convention Center, is a three-day event showcasing new cars and

trucks, with test drive opportunities and kid-friendly activities. For more info visit: autoshowtampa.com

NOV 22 - 23 | THE ODDITIES & CURIOSITIES EXPO

The Oddities & Curiosities Expo is the world’s largest traveling oddities event showcasing hand selected vendors, dealers, artists and small businesses with all things weird. You’ll find items such as: taxidermy, original artwork, horror/halloween inspired pieces, antiques, handcrafted oddities, quack medical devices, funeral collectibles & much more. We truly have something weird for everyone at our shows. For more info visit: https://tinyurl.com/47cw2bm

LOCAL EVENTS GUIDE TAMPA BAY

DECEMBER

DEC 18 | STREET FOOD FEST

Featuring more than 15 unique Food Trucks, Live Music and Cocktails in the courtyard. 6-10pm, 2hr free parking at Grand Central at Kennedy.For more info visit: https://tinyurl.com/535szktz

DEC 21 | WATER STREET MARKET

Tampa Bay Markets is home to a number of incredible outdoor markets that bring together our local communities and local businesses. Read on to find your local market––we hope to see you there! For more info visit: https://tinyurl.com/363wvjea

JANUARY

JAN 31 | PIRATE FEST

For more than a century, the bold buccaneers of Ye Mystic Krewe of Gasparilla have sailed the seas in relentless pursuit of the treasures nestled in the heart of Tampa. They’ve reappeared year after year, much to the delight of local souls and visiting adventurers alike. For more info visit: gasparillapiratefest.com

FEBRUARY

FEB 5 - 16 | STATE FAIR

If you like animals, exciting rides, live music or delicious food, the Florida State Fair has something for you. Featuring an agricultural exhibit that holds more than 6,000 animals and more than 100 rides, there’s a good reason that this state fair has been going on for more than one hundred years. Come visit the Florida State Fair for its family-friendly atmosphere and delightful attractions! For more info visit: floridastatefair.com

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

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

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

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!