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Have you ever thought about or heard about sustainable investing?
If not, here is some information about what it means and how one can approach it. First, sustainable investing refers to socially responsible investing (SRI) as well as environmental, social and governance data investment (ESG).
A sustainable investment strategy considers environmental, social and corporate governance criteria to generate long-term competitive financial returns as well as a positive social impact.
There are two ways to look at these investment strategies. Do you want to eliminate from your portfolio certain industries because of what they do (SRI) or are you more interested in investing in
companies that do good which is called (ESG)?
SRI, or Impact Investing, generally refers to making investments based on one’s values - avoiding companies that don’t fit your morals. Some companies that are often excluded are those that make their profits from tobacco, fossil fuel, firearms, and alcohol but at the end of the day, you are the judge.
ESG investing is focused on how the company operates. Does the company have a positive or negative impact on climate change, what is the company culture, and what is the corporate structure in relation to its stakeholders?
To accomplish your goals, consider an asset manager’s history and whether they have dedicated the
necessary resources to provide ongoing research and analysis.
To maintain returns while investing sustainably, seek out a fund that is benchmarked to a broad-based index. This shows the manager’s goal is to provide market-like or better than market returns.
Research has shown that companies that best manage their environmental and social impact and follow good governance practices (ESG) are more profitable in the medium and long term. The growth in sustainable investment opportunities has been substantial as individuals choose to find investments that align with their goals.

The Global Sustainable Investment Alliance reports a 34 per cent increase in these investments over the last two years.




HAVE YOU EVER THOUGHT OF CREATING A LIBRARY IN YOUR HOME?

Home libraries are a dedicated space to relax and enjoy reading time. If you love books and have a lot of them, it is a great way to
enjoy your collection. It is also a personal statement about what you’re interested in; books and mementos can serve as a history
of your life.
It is wonderful if you have a room that can be designated as the library but that really isn’t necessary. What’s most important is to create a cozy space for your collection. A library can be created in many different spaces since a room can be multi-functional. Sometimes there is space under a staircase or in a quiet nook, maybe a wall in the dining room or the hall. A fireplace can often be surrounded by bookshelves to create a library. Even a bedroom can be an interesting place to create your library; it could even be used as a wall unit above your headboard. All it takes is a little imagination.
Your personal library isn’t necessarily just for books. It is a place to show off collections, photos, albums, plants and even art. It can all be incorporated in the design. It is really about your own interests, which is what makes it personal.
You might want to include a desk in your library wall or a hidden space to hide games and other important knick-knacks.
Keep in mind that a library should feel like a cozy retreat for reading. Depending on the space, consider


the color palette. Deep rich colors are relaxing in a library, but it all depends on the library’s location and the design of your home. Wood paneled libraries are traditional but there are many ways to create a relaxing space, depending on your own individual aesthetic. If you have a window with surrounding bookshelves, a window seat makes the perfect addition. Add a comfortable oversized chair if you have space.
Don’t forget to consider lighting, which depends on the size and location of your library. Use picture lights mounted at the top of the shelves to illuminate books and add a dramatic effect. For a traditional look, use wall sconces.
For actual reading, recessed lighting is appropriate as it can be dimmed by preference. Table lamps are always appropriate as are floor lamps depending on the location and available space in your own library.
Whether your home is large or small, there is always a space for a personal library.



Valero Texas Open
APRIL 2 - 5
APRIL 9 - 12
APRIL 16 - 19
APRIL 23 - 26
APRIL 30 - MAY 3
MAY 7 - 10
MAY 7 - 10
MAY 14 - 17
MAY 21 - 24
MAY 28 - 31
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
Zurich Classic of New Orleans
TPC Louisiana
Avondale, LA • USA
Miami Championship
Trump National Doral (Blue Monster)
Miami, FL • USA
Truist Championship
Quail Hollow Club
Charlotte, NC • USA
ONEflight Myrtle Beach Classis
Dunes Golf and Beach Club
Myrtle Beach, SC • USA
PGA Championship
Aronimink Golf Club
Newton Square, PA • USA
THE CJ CUP Byron Nelson
TPC Craig Ranch
McKinney, TX • USA
Charles Schwab Challenge
Colonial Country Club
Fort Worth, TX • USA
+ Signature Event
# Not PGA TOUR Co-sponsored
^ Co-sanctioned with DP World Tour
* Schedule subject to change
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM






SEPT. 11-13
Cup Bernardus Golf | s’-Hertogenbosch (Den Bosch), Netherlands



PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS ARE UNCERTAIN. DUE TO THE CURRENT SITUATIONS, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
The Maryland Film Festival (MdFF) is an annual multi-day international film festival. North Arts & Entertainment District each May. The festival screens approximately 40 feature films and 100 short films of all varieties, and the audience members get opportunities to meet and mingle with the creative minds behind the movies. For more info visit: mdfilmfest.com
The Eastern Shore Sea Glass & Coastal Arts Festival offers fun for the whole family with fantastic shopping, great food and drinks, live music on two stages, and more. This edition will highlight more than 90 exhibitors from around the country. These artisans and craftspeople will be selling an array of unique coastal and sea-glass related goods, including jewelry, home décor, art, and more. For more info visit: seaglassfestival.com
Kinetic Sculptures are amphibious, human powered works of art custom built for the race. Each May, the American Visionary Art Museum (AVAM) produces and hosts the East Coast Kinetic Sculpture Race Championship on the shore of Baltimore’s Harbor in central Maryland. The eight-hour race covers 15 miles—mostly on pavement, but also including a trip into the Chesapeake Bay and through mud and sand. For more info visit: kineticbaltimore.com
There’s something for everyone at the Arbutus Arts Festival. Whether you’re in the mood to browse handmade arts & crafts, savor delicious food and drink, listen to great local music, or just relax in the beer garden, you can do it all at the Baltimore area’s premier one-day arts & crafts show. Mark the day on your calendar now! We’re looking for-
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS ARE UNCERTAIN. DUE TO THE CURRENT SITUATIONS, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

ward to seeing everyone there! For more info visit: arbutusartsfestival.com
Capital Jazz Fest is a musical culture and art fiesta that is held every year at the start of June. Local and tourists reach the town to enjoy quality music shows and lots of surprises. The festival is not about concerts alone but it is an event that brings together jazz and soul lovers who reach the place from all over the US. They come to enjoy quality music, good food and drinks, parties and festive atmosphere. For more info visit: capitaljazz.com
Let us introduce you to new drinks and cocktails that are soon to become your favorites. The Annual Baltimore Wine & Food Festival offers fun, food & spirits in a day-drinking party that will have you bubbling as much as the
champagne. For more info visit: baltimore.uncorkthefun.com
The Baltimore Office of Promotion & The Arts, Baltimore Symphony Orchestra and Waterfront Partnership of Baltimore are excited to announce that 4th of July festivities are returning to the Harbor! After the concert, there will be street performers and activities along the promenade. For more info visit: https://bit.ly/3g5XEAv
Put on your party hat and join your neighbors to celebrate Baltimore’s 297th birthday at Baltimore’s Birthday Bash! For more info visit: livebaltimore.com

PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS ARE UNCERTAIN. DUE TO THE CURRENT SITUATIONS, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
AUG 6 - 8
The Baltimore Festival started 30 years ago. It came from an idea of the festivals hosted in the past, and the current firefighter’s fish fry. Officers were selected from a very large attendance, and the festival started and has continued to this day. For more info visit: baltimorefestival.org
There is plenty of delicious food from the food trucks at the event and beverages including adult beverages. So grab a lawn chair and blanket and come out and enjoy this event at The Vortex! For more info visit: https://tinyurl.com/yc4ecvya
Get ready for a one-of-a-kind celebration of handcrafted instruments, roots music, and community spirit at the Maryland Cigar Box Guitar Festival at Union Craft Brewing in Baltimore! This free, all-ages event brings together players, makers, and fans of cigar box guitars and other DIY stringed instruments for an unforgettable day of tunes, brews, and creative culture. For more info visit: https://tinyurl.com/2jx4fv73
A free, one-day festival at War Memorial Plaza featuring national artists, local food, and vendors. For more info visit: https://tinyurl.com/3v4zkcsn

PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS ARE UNCERTAIN. DUE TO THE CURRENT SITUATIONS, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
OCT 2 - 4 |
What began as a festival to protect the neighborhood from development and preserve its historic integrity is now one of the city’s largest community celebrations. Across six blocks in Fell’s Point, explore tasty bites from local vendors, craft cocktails and beers, one-of-a-kind products from area artisans and energetic live music performances—all with a spectacular view of the harbor. For more info visit: fellspointfest.com
Join us at the event that many are calling one of the best races on the East Coast. With five distances to choose from, and all runners snagging a great Under Armour shirt for participating, this event is for you! You won’t want to miss the Baltimore Running Festival!. For more info visit: thebaltimoremarathon.com
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This season, Christmas Village in Baltimore partners with Kennedy Krieger Institute to bring a special Festival of Trees inside the Baltimore Visitor Center at the Inner Harbor. Explore a curated showcase of 13 themed, decorated trees, make a donation to support Kennedy Krieger, and use a snowflake ballot to vote for your favorite. Free to visit and steps away from our Santa experience - perfect for photos and festive vibes. For more info visit: baltimore-christmas.com
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Christmas Village in Baltimore returns to the Inner Harbor for another season. The waterfront along the Baltimore Visitor Center through the Maryland Science Center will transform into a magical winter wonderland, bringing over 60 local and international vendors with unique holiday giftware. Don’t miss the famous vendor
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS ARE UNCERTAIN. DUE TO THE CURRENT SITUATIONS, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

Käthe Wohlfahrt with authentic German ornaments and Christmas gifts. For more info visit: baltimore-christmas.com
JAN TBA | ICE FESTIVAL
Experience a fun-filled day for the whole family at the Harbor Point Ice Festival! This free-to-attend festival on Harbor Point’s idyllic Central Plaza will feature live ice carving demonstrations throughout the day, plus interactive ice sculptures, delicious food and drinks, and much more! For more info visit: harborpoint.com
FEB TBA | AMERICAN CRAFT
The American Craft Made Baltimore brings together 400 artists, 10,000 attendees, and dozens of local partner organizations from across the East Coast for shopping, demonstrations, hands-on experiences, and connection through craft. For more info visit: craftcouncil.org
Leave the cold winds of March behind! Tour landscapers’ beautiful indoor gardens bursting with cheerful blooms and demonstrating new trends. Get tips and check out products from more than 400 home improvement exhibitors. Take home artwork and unique creations from juried artists and crafters. For more info visit: mdhomeandgarden.com


DATE
* Schedule subject to change
MAY 24 - SUN 12:00 PM First Round
MAY 24 - SUN 8:15 PM First Round
MAY 25 - MON 12:00 PM First Round
MAY 25 - MON 8:15 PM First Round
MAY 26 - TUE 12:00 PM First Round
MAY 26 - TUE 8:15 PM First Round
MAY 27 - WED 12:00 PM Second Round
MAY 27 - WED 8:15 PM Second Round
MAY 28 - THU 10:00 AM Second Round
MAY 28 - THU 8:15 PM Second Round
MAY 29 - FRI 12:00 PM Third Round
MAY 29 - FRI 8:15 PM Third Round
MAY 30 - SAT 12:00 PM Third Round
MAY 30 - SAT 8:15 PM Third Round
MAY 31 - SUN 12:00 PM Fourth Round
MAY 31 - SUN 8:15 PM Fourth Round
JUNE 1 - MON 12:00 PM Fourth Round
JUNE 1 - MON 8:15 PM Fourth Round
JUNE 2 - TUE 12:00 PM Quarterfinals
JUNE 2 - TUE 8:15 PM Quarterfinals
JUNE 3 - WED 12:00 PM Quarterfinals
JUNE 3 - WED 8:15 PM Quarterfinals
JUNE 4 - THUR 2:30 PM Ladies Semifinals
JUNE 5 - FRI 2:30 PM Mens Semifinals
JUNE 5 - FRI 8:15 PM Mens Semifinals
JUNE 6 - SAT 3:00 PM Ladies Singles Final, Mens Double Final
JUNE 7 - SUN 3:00 PM Mens Singles Final, Ladies Doubles Final

DATE
* Schedule subject to change
JUNE 29 - MON 11:00 AM Men's & Ladies' 1st Round
JUNE 30 - TUE 11:00 AM Men's & Ladies' 1st Round
JULY 1 - WED 11:00 AM Men's & Ladies' 2nd Round
JULY 2 - THU 11:00 AM Men's & Ladies' 2rd Round
JULY 3 - FRI 11:00 AM Men's & Ladies' 3rd Round
JULY 4 - SAT 11:00 AM Men's & Ladies' 3rd Round
JULY 5 - SUN 11:00 AM Men's & Ladies' 4th Round
JULY 6 - MON 11:00 AM Men's & Ladies’ 4th Round
JULY 7- TUE 11:00 AM Ladies' and Gentlemen's Quarterfinals
JULY 8 - WED 11:00 AM Ladies’ and Gentlemen’s Quarterfinals
JULY 9 - THU 11:00 AM Ladies’ Semifinals
JULY 9 - THU 11:00 AM Gentlemen’s Semifinals
JULY 10 - FRI 11:00 AM Ladies’ Singles Final & Men’s Doubles and Mixed Doubles
JULY 11 - SAT 11:00 AM Gentlemen’s Singles Final & Ladies’ Doubles


If you happen to be driving through Florida, there are several interesting and historic towns worth visiting. St. Augustine, the oldest town in America, is located on the northeast coast of the state, just south of Jacksonville. Then head south to enjoy the Lake Wales Ridge, which includes the towns of Sebring, Lake Placid and Avon.
First settled in 1565 by the Spanish and predating both Jamestown and Plymouth Rock, St Augustine was first seen by Admiral Pedro Menendez de Aviles. Visit Castillo de San Marcos, a 17th century Spanish stone fortress, and the cobblestoned historic downtown that includes over 30 historic houses. Remember, this is the city known for the Fountain of Youth, so be sure to see the Fountain of Youth Archaeological Park where
visitors can drink from the spring. Next, head south to Lake Wales, which has an ‘old Florida” vibe and is one of the most scenic areas in the state. Known for its cypress trees, citrus groves and abundance of freshwater lakes, Lake Wales can’t be missed! Enjoy the history of these towns and don’t miss Highlands State Park for hiking, biking, birding and a variety of rare and native plants.
Sebring has undergone a major restoration of its historic downtown. There is a lot to see and do, particularly if you are a history buff. Sebring was founded in 1912 by Ohio pottery manufacturer George E. Sebring and is now designated as a 1920’s Historic District on the National Register of Historic Places. Known as “The City on the Circle” because of its design
which is based on the ancient Egyptian city of Heliopolis. With a circular park, all roads radiate from there which makes Sebring very distinctive.
Lake Placid was founded in 1927 and has two nicknames: the “Town of Murals” and “The Caladium Capital of the World”. It is known for its art scene with over 50 murals throughout the town, it is a sight to behold. Some of the murals are as large as 175 feet
wide and 30 feet tall and depict the town’s history including the town’s Native American heritage. There is also the Historical Society Depot Museum located in the original railroad depot. And don’t miss the interesting boutiques and restaurants in the downtown area.
Avon Park is known as the “City of Charm” because of its historic downtown and small town feel. It was founded in 1886 and is the oldest town in the region, It was named after Stratford-upon-Avon, England. Visit the Avon Park Depot Museum and the Museum of Florida Arts and Culture. Babe Ruth and Clark Gable stayed at the historic Hotel Jacarinda downtown.




