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.
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
2025-26 PGA TOURNAMENT SCHEDULE
DATES TOURNAMENT
Sanderson Farms Championship
OCT 2 - 5
OCT 9 - 12
OCT 23 - 26
NOV 6 - 9
NOV 13 - 16
DEC 4 - 7
DEC 12 - 14
JAN 15 - 18
JAN 22 -25
JAN 29 - FEB 1
FEB 5 - 8
FEB 12 - 15
+ Signature Event
The Country Club of Jackson Jackson, MS • USA
Baycurrent Classic Yokohama Country Club Yokohama • JPN
Bank of Utah Championship
Black Desert Resort
Ivins, UT • USA
World Wide Technology Championship
El Cardonal at Diamante
Los Cabos • MEX
Butterfield Bermuda Championship
Port Royal Golf Course
Southampton • BER
Hero World Challenge
Albany GC Albany • BAH
Grant Thornton Invitational
Tiburón Golf Club
Naples, FL • 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
WM Phoenix Open
TPC Scottsdale (Stadium Course)
Scottsdale, AZ • USA
AT&T Pebble Beach Pro-Ann
Pebble Beach Golf Links
Pebble Beach, CA • USA
# Not PGA TOUR Co-sponsored
^ Co-sanctioned with DP World Tour
* Schedule subject to change
PREVIOUS WINNER
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
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
2025-26 PGA TOURNAMENT SCHEDULE
DATES TOURNAMENT
The Genesis Invitational
FEB 19 - 22
FEB 26 - MAR 1
MARCH 5 - 8
MARCH 5 - 8
MARCH 12 - 15
MARCH 19 - 22
MARCH 26 - 29
APRIL 2 - 5
APRIL 9 - 12
APRIL 16 - 19
APRIL 23 - 26
The Riviera Country Club
Pacific Palisades, CA • USA
Cognizant Classic
PGA National Resort (The Champion Course)
Palm Beach Gardens, FL • USA
Arnold Palmer Invitational
Arnold Palmer’s Bau Hill Club & Lodge
Orlando, FL • USA
Puerto Rico Open
Grand Reserve Golf Club
Rio Grande, Puerto Rico
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
Zurich Classic of New Orleans
TPC Louisiana
Avondale, LA • USA
+ Signature Event
# Not PGA TOUR Co-sponsored
^ Co-sanctioned with DP World Tour
* Schedule subject to change
PREVIOUS WINNER
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
CBS, NBC, GOLF, ESPN+, SXM
2025 LPGA TOURNAMENT
OCT 1 - 4 LOTTE Championship presented by Hoakalei Ewa Beach, Oahu, HI | Hoakalei Country Club
OCT 9 - 12 Buick LPGA Shanghai
OCT 16 - 19
* Schedule subject to change ** Purse subject to change
Minhang District, Shanghai, People’s Republic of China | Qizhong Garden Golf Club
Ladies Championship Republic of Korea | To be Confirmed
OCT 23 - 26 Hanwha LIFEPLUS International Crown Goyang, Republic of Korea | New Korea Country Club
OCT 30NOV 2
Championship
Lumpur, Malaysia | Kuala Lumpur Golf & Country Club, West Course
M
M NOV 6 - 9
Japan Classic Otsu-shi, Shiga, Japan | Seta Golf Course
NOV 13 - 16 The ANNIKA driven by Gainbridge at Pelican Belleair, FL | Pelican Golf Club
NOV 20 - 23 CME Group Tour Championship Naples, FL | Ritz Carlton Golf Resort, Tiburón Golf Club
DEC 12 - 14 Grant Thornton Invitational Naples, FL | Ritz Carlton Golf Resort, Tiburón Golf Club
M
M
LOCAL EVENTS GUIDE
SOUTHCENTRALPENNSYLVANIA
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.
NOVEMBER
NOV 28
- 30 | YULETIDE
The creators of the Pennsylvania Renaissance Faire warmly welcome you to a festive celebration like no other: Yuletide at the Pennsylvania Renaissance Faire! Prepare to be whisked away into a wondrous winter wonderland, where the magic of the holiday season comes alive amid a realm of fantastical characters, mouthwatering delicacies, and exquisite beverages. For more info visit: parenfaire.com
DECEMBER
DEC 1 - 31 | HOLIDAY LIGHTS
Enjoy the most wonderful time of the year at Kennywood, when the entire amusement park is transformed into a winter wonderland of dazzling lights. The best place to visit during the holidays in Pittsburgh is Kennywood, without a doubt! For more info visit: kennywood.com
JANUARY
JAN 10 - 11
| HOME SHOW
At the Home Show, our goal is simple: to inspire, motivate and excite you for your upcoming home improvement - whether it’s a minor renovation or a major remodel. Our events feature a wide selection of home improvement professionals in a fun, interactive environment. More importantly, we want you to be excited for all the fantastic possibilities that come with your project!
For more info visit: lancasterhomeshow.com
JAN 12 - 18 | RESTAURANT WEEK
Discover the most delicious spots in Pittsburgh during the annual Restaurant Week Celebrations. Find dates, participating restaurants, maps and more.
For more info visit: pittsburghrestaurantweek.com
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LOCAL EVENTS GUIDE
SOUTHCENTRALPENNSYLVANIA
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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FEBRUARY
FEB 27
- 28 | ROOTS & BLUES
Featuring over 70 concerts featuring artists from around the country playing at multiple venues all within walking distance of each other. For more info visit: lancasterrootsandblues.com
MARCH
MARCH 6 - 15 | HOME & GARDEN SHOW
Farm to Table Buy Local brings farms and food & beverage producers to the Pittsburgh Home and Garden Show! See our Buy fresh buy local stage to hear from local farms and gardeners who will provide tips and tricks on how to grow & prepare healthy fresh foods.For more info visit: pghhome.com
MARCH 14 | ST. PATRICK’S DAY PARADES
Whether you’re Irish or not, you’ll want to join the fun in Downtown Pittsburgh. Get ready to pull out your green and celebrate Ireland’s
patron saint at one of the largest St. Patrick’s Day Parades in the US. For more info visit: pittsburghstpatricksdayparade.com
APRIL
APRIL 19 - 28 | FRINGE FEST
This free, 22-hour long festival fills a gigantic warehouse location with art and performances from new and emerging artists. This inclusive and family-friendly event features live painting, interactive exhibits, films and 500+ participants. For more info visit: pittsburghfringe.org
MAY
MAY 15 - 16 | MUSIC FESTIVAL
There will be over 300 local bands and musicians, visual artists, comedians, spoken word performances, and food trucks at the festival.For more info visit: millvalemusic.org
LOCAL EVENTS GUIDE
SOUTHCENTRALPENNSYLVANIA
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.
MAY 16 - 17 | FIBER FESTIVAL
The Central Pennsylvania Fiber Festival is a non-profit organization that focuses on natural fibers and fiber arts such as spinning, weaving, felting, knitting and dyeing. For more info visit: centralpennfiberfest.com
MAY 23 - 25 | FOOD TRUCK FEST
Get ready to taste the best food on four wheels! Dozens of the region’s best food trucks will be in attendance, plus live music and entertainment, craft beer and wine, regional artisans and vendors, and lots more. For more info visit: pghfoodtruckfest.com
JUNE
JUNE TBA | THREE RIVERS ARTS FESTIVAL
One of the biggest festivals in Pittsburgh every year is the Three Rivers Arts Festival. This massive event runs for roughly 10 days and features artists from all over southwest Pennsylvania and the country at large plus musical acts,
unique art exhibits, and a whole lot more. For more info visit: traf.trustarts.org
JULY
JULY 4 | INDEPENDENCE DAY
The Union County Veterans’ 4th of July Committee produces a gala 4th of July celebration each year. The highlights of the celebration include a spectacular fireworks show on Friday evening and a patriotic themed parade on Saturday morning. The event also includes a big band concert, a monument ceremony, a picnic and more. For more info visit: ucveterans4thofjuly.org
LOCAL EVENTS GUIDE
SOUTHCENTRALPENNSYLVANIA
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 9 - 12 | PEOPLE’S CHOICE
FESTIVAL
It’s been over two decades since a handful of volunteers got together to create a homegrown arts festival. In 1993, there were 50 vendors, a couple food stands, and a few live bands. Now it’s one of the largest and most family-friendly arts festivals in central Pennsylvania! For more info visit: peopleschoicefestival.com
AUGUST
AUG
1 - 9
| MUSIKFEST
Founded in 1984, Musikfest is the nation’s largest free music festival and is an incredible 10-day celebration of performing and visual arts held every August in Bethlehem, Pennsylvania. For more info visit: artsquest.org
AUG 15 - 17 | BBQ & BREW MUSIC FESTIVAL
The BBQ & Brew Music Festival returns for its sixth year, at the Bloomsburg Fairgrounds. Family friendly. For more info visit: https://tinyurl.com/4rppj37s
AUG 21 - 29 | THE GRANGE FAIR
The Grange Fair is the nation’s most unique county fair with 1,000 tents, 1,500 RV’s, 300 concessions, amusement rides, over 8,000 exhibit items, livestock, tractor pulls, equine center, free grandstand featuring nationally-known entertainers and much more. For more info visit: grangefair.com
SEPTEMBER
SEPT
12 - 19 | HARVEST
FESTIVAL
For over 45 years, the Milton Harvest Festival has celebrated the bounty of the land and the camaraderie of families, friends and neighbors. The festival features a craft show, parade, pageants, bicycle race, concerts, 5K race and more. Enjoy the entertainment
LOCAL EVENTS GUIDE
SOUTHCENTRALPENNSYLVANIA
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.
and exhibits while browsing the arts and crafts and food vendors For more info visit: miltonharvestfestival.com
SEPT 13 - 19 | BEAN SOUP FEST
McClure Bean Soup Festival & Fair is held every September. The event features open show exhibits, various contests, a pageant program, rides and food. The fair derives its name from the bean soup that is made in kettles over open fire. For more info visit: https://tinyurl.com/433v39cv
SEPT 17 - 21 | JAZZ FESTIVAL
Don’t miss this soulful weekend with more than 140 jazz musicians.The event will continue the legacy of past festivals and feature legendary jazz musicians from around the world! For more info visit: pittsburghjazzfest.org
OCTOBER
OCT 1 - 3 | FAIR
The Bloomsburg Fair offers many exhibits such as agriculture, horticulture, needlework, livestock, poultry, rabbit, flowers, an Antique Farm Machinery Museum, Historical Restored One Room Schoolhouse, grandstand shows, lots of local food stands, games, rides and much more. The Bloomsburg Fair has been a Central PA staple for over 165 years! For more info visit: bloomsburgfair.com
OCT 3 - 11 | FALL FOLIAGE FEST
Bedford’s Fall Foliage has continually brought people together over crafts, art, music, and fellowship. Centered in the historic downtown, the Bedford Fall Foliage Festival brings the best local arts, crafts, and culture together in the crisp mountains of central Pennsylvania. For more info visit: bedfordfallfoliagefestival.com
2026 GRAND SLAM TOURNAMENT SCHEDULE
DATE
2026 GRAND SLAM TOURNAMENT SCHEDULE
* 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
2026 GRAND SLAM TOURNAMENT SCHEDULE
* 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
2026 GRAND SLAM TOURNAMENT SCHEDULE
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.
