(MONEY Magazine) – TEE FOR FREE Refine your game--or start learning golf--during the PGA's Free Lesson Month. To find participating pros for a free 10-minute lesson, go to playgolfamerica.com.

ADD HARD ASSETS Wisely diversified portfolios have 5% in commodities. A good choice: Vanguard's Precious Metals fund, reopening in late May (800-851-4999; $10,000 minimum).

RESTRUCTURE YOUR ANNUITY New IRS rules let some annuitants change their payout options without a tax penalty. For full details on the rules, visit money.com/taxannuity.

PREP YOUR POOL As temperatures rise, so does demand for pool maintenance, so book your pool opening or cleanup now. Go to poolandspa.com/dealers for local names.

REBALANCE ASSETS The market's up 25% over the past year, so stocks may be overweighted in your portfolio. Review your mix with the asset allocator calculator at money.com.

UPDATE COVERAGE Hurricane season starts June 1 and insurance may take 30 days to kick in, so now's the time to check if your homeowners policy is up to snuff. Info at iii.org.