Federal Benefits Made Simple - June 2024

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Insurance products are offered through the insurance businesses Federal Benefits Made Simple and E.A. Buck Financial Services. Federal Benefits Made Simple is an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor and Buck Wealth Strategies, a Registered Investment Advisor. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC (MAS), member FINRA/SIPC. AEWM does not offer insurance products. The insurance products offered by Federal Benefits Made Simple and E.A. Buck Financial Services are not subject to Investment Advisor requirements. AEWM is not affiliated with Federal Benefits Made Simple, E.A. Buck Financial Services, or Buck Wealth Strategies. In California, we are known only as E.A. Buck Insurance Services in all solicitations of insurance. Federal Benefits Made Simple, an E.A. Buck Company is not affiliated with or endorsed by the US government or any governmental agency. E. A. Buck Financial Services, Buck Wealth Strategies, Federal Benefits Made Simple, An E.A. Buck Company are affiliated by common ownership. 02442600 - 5/24

Fixing Things and Building Bonds With My Dad PAGE 1 Hot Water Is Phenomenal for Your Health? Your Ultimate Guide to 2024’s Thrift Savings Plan Changes PAGE 2 How a Pet Husky Prevented Disaster Baked Sweet Potato Fries PAGE 3 The Appeal and Evolution of Scrabble PAGE 4

the game did not become the surefire hit he expected it to be. It wasn’t until fellow New Yorker James Brunot discovered the game that things changed for the better. Brunot offered to mass-produce the game and, in exchange, would provide Butts with a portion of the profits, which Butts happily agreed to. BRUNOT’S BARGAIN As soon as Brunot secured the rights to the game, he began making significant changes to it. These included redesigning the board, its color, players’ starting position, and the location of various score multiplier tiles. But his most important contribution was changing its name to Scrabble! The owner of Macy’s then discovered the game and offered to carry it in his stores. Brunot went from creating 12 copies of the game an hour when he first acquired the rights to 2,000 sets per week by 1952. By 1954, millions of copies were sold. Today, the game has been translated into over 20 languages and has sold over 100 million copies. People play the game worldwide, in tournaments and living rooms alike, and it has allowed millions to share in the joy initially envisioned by a down-on-his-luck architect in a time when hope was a distant prospect.

MY WORD! Exploring the Rich History of Scrabble

In 1931, the Great Depression — the worst economic crisis in American history — had thoroughly dampened the country’s spirit. Amidst the crisis, Alfred M. Butts, an out-of- work New York architect, decided to create a game to take his mind off the economy. Aspiring to develop a classic to join the ranks of other timeless card and board games, Butts came up with the idea for a board-and- tile game he non-committedly named “Criss Cross,” which we now know as Scrabble. THE ARCHITECT’S PLAN At its core, Scrabble was inspired by crossword puzzles and always featured

the iconic lettered tiles, each with separate quantities and point values. Butts determined the point values by surfing through his collection of local newspapers and counting how often each letter appeared. To prevent players from creating too many cheap plurals, he included only four “S” tiles in each box and assigned the letter a measly 1 point. Butts was eager to share his idea with the world, but the world was not as eager to receive it. He pitched the game to several publishers and retailers, but all rejected it. Butts had to retail it on a small scale, and

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