LIFESTYLE ADVOCACY FAMILY FINANCE LAFF is a publication of DuPontWealth Solutions andThe Law Offices of DuPont and Blumenstiel, blending original and curated content, and is intended to educate the general public about investing, finance, estate planning, personal injury, and small-business issues. It is not intended to be legal or financial advice. Every situation is different. The information in this newsletter may be freely copied and distributed as long as the newsletter is copied in its entirety.
20 JUN
THE SHIFTING TOUCHSTONES OF OUR LIVES
Hi, June friends. How’s it going? Is it over yet?
As I write this, I have no idea what the next few weeks will have in store for us leading up to this newsletter’s publication date. There’s so much to talk about, isn’t there? You might even be tired of talking about all the changes we’ve experienced in our lives so far. There are just too many to list in one conversation, so we talk about it with everyone: “When do we reschedule weddings and reunions?” “How do we plan for groceries now?” “How will we celebrate my daughter graduating high school?” Recently, the latter has been a topic in the DuPont household. My daughter won’t be walking among friends in her cap and gown when she graduates high school this year. I remember the day I found out her graduation ceremony was canceled: I was on a call with my wife, and I could hear her wailing in the background as I talked with my wife about the news. With many of the changes related to the COVID-19 crisis, it seems like people aren’t sure what to focus on: the good or the bad. The sacrifices of front line health care workers, grocery and delivery workers, and many other essential workers during this time cannot be understated; we’ve never been more aware of the way these people risk themselves for the safety of others. But no matter what your profession is, it’s healthy to admit it: This sucks! Like my daughter, we should accept our emotions about missing graduation, concerts, dine-in restaurants, or celebrating Father’s Day as we normally do this June. Your grievances during this time are important, too. I know the bad news, no matter how big or small it may seem, can hit us hard.
Many touchstones of our lives have changed — maybe forever. When I think about Father’s Day, many will not be hugging, shaking hands, or performing other typical greetings we’d expect while celebrating family. Also, communicating through voice alone is truly a lost art that’s being recovered in these times. We forget how much information regarding peoples’ thought processes and attitudes can come through in just their voice. The massive increase of virtual interactions has put a spotlight on that. But we’ll keep celebrating each other and getting the job done like we always have. I don’t know what June has in store, but if you’re still worried about the future, find comfort in the fact that our progress, victories, and work ethics haven’t changed. I already know COVID-19 is going to change the way we (and many other attorneys) provide services to others.
The silver lining? While the touchstones of our lives are changing, they’re still there. They will always be there.
It’s surreal meeting clients in masks and letting them sign wills on the hood of their car. Of course, we’ll change the format of those quick, safe meetings, but I never thought I’d have to do that in the first place. But, in the end, we still got the job done. My daughter, too, will graduate and that accomplishment can’t be taken away from her. We’re going to celebrate as a family in every way we can, and I’m sure bigger celebrations with her friends are bound to happen in the healthier future.
Whatever comes, we’re ready to adapt. I hope your June is happy, safe, and healthy, friends.
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3 Ways to Replace a Canceled Vacation TURNYOUR VACATION INTO A STAYCATION
Vacations provide opportunities for families to spend time together in a relaxed environment, get away from the routines of everyday life, and create meaningful memories. If you’ve recently had to cancel a trip but still want to create the experience of a vacation for your family, then a staycation is just what you need. TRANSFORMYOUR BACKYARD When you’re trying to recreate a vacation, the outdoor areas of your home present a variety of possibilities. You can turn a sandbox into a relaxing beach, complete with a kiddie pool “ocean.” If you have trees, then set up a zip line or obstacle course. You can even stimulate summer brains with a scavenger hunt around the backyard with hidden clues in the dirt or bushes. The ultimate prize can be something you would have purchased on your original vacation, like a souvenir you can find online. CREATE A ‘FAMILY MUSEUM’ Many vacations include an educational aspect in order to enrich our understanding of the place we’re visiting, and museums are a great way to accomplish that. If you’re confined to the house, then teach your kids about your own knowledge and interests and encourage them to get creative and make their own contributions, too. Have everyone create art, take photos, or write about their prized possessions. Display these masterpieces around your home and let their creators take you on a tour. Learning more about one another builds meaningful bonds.
BRINGYOUR TRIP HOME You probably chose your original vacation destination in order to experience new and different cultures and activities. But just because you’re no longer traveling to that location doesn’t mean you can’t experience some of what it has to offer! Research popular local cuisine, activities, and history of the area, then create ways to experience them with your family. Cook a traditional meal, recreate a scenic location through photographs, or share a story about local lore and history. Your changed plans will no longer feel like a missed opportunity. Staying at home doesn’t mean your family can’t have the fun of a vacation. All it takes is a little creativity and innovation to build an experience that will bring your family closer together.
JUNE 25 Special Guest Appearance THIRD THURSDAY
JULY 16 Summertime Blues
With Carl in custody, Greg DuPont is tempted to take a few days off, but he has appointments scheduled the very next morning, and as always, his clients’ interests come before his own fatigue. Once again, unannounced, he’s paid another visit from Special Agent Fine, who helps to fill in the last details of the case and comes as close as an FBI agent can to apologizing. But, there’s one detail over which he has no control: the ultimate fate of Arturo de Modelo.
AUG. 20 Back-to-School Special
Join us at noon on Facebook Live or catch the podcast at ThirdThursday30.com.
Check out the entire chapter, catch up on prior chapters, and perhaps learn a few things at DandBLaw.com.
MARCH TO 1 MILLION UPDATE Current count for the March to 1 Million: 344,612
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WHEN IS IT A GOOD TIME TO INVEST?
Whether you’re a veteran to the stock market or only now becoming interested in buying and trading stocks, you might be wondering the same question: How much should I be investing right now? It seems like nobody knows what the future holds, especially with the current health crisis. However, expert investors agree on a few things, one of which is undeniable: We’re in a bear market environment. Now, the NewYork Stock Exchange building doesn’t put up a sign that says “bear market” when we begin experiencing one. Bear market is a much more flexible term (and has varying definitions among investors). It can apply to individual securities or commodities, and it is often applied when they experience a prolonged decline of 20% or more from “widespread pessimism and negative investor sentiment,” as Investopedia explains. This decline can be temporary or long term, and we say “bear market environment” when it seems like everyone’s going through it, such as during a recession. That is to say, until the widespread pessimism changes, the market is going to be very unpredictable — and you already know that, but hear us out! That might be good enough when determining how to invest. In bear markets, you can still turn a profit as prices fall. However, here’s the trick: You shouldn’t invest all at once.
Short selling, put options, and inverse ETFs can potentially turn a profit during bear markets, but let’s take short selling, for example. Short selling is when you make gains by selling borrowed shares and buy them back at lower prices. Let’s say you have an expensive stock — if you know the prices are going to drop, you could sell at the higher price, and buy again at the lower price. Of course, this is extremely risky. If you sell and the market rises instead of drops, then you lose money. That’s why it’s important to pace your investments. Invest in small amounts over time, and you won’t be as worried. Keep in mind that certain industries, such as airlines, may take awhile to see returns. From everyone at DuPont Wealth Solutions, we hope this advice helps you understand the bear market just a little bit better. Happy investing!
WORD SEARCH
WATERMELON AND TOMATO SALAD WITH TURMERIC OIL
Inspired by BonAppetit.com
INGREDIENTS
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1/4 cup virgin coconut oil
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4 cups seedless watermelon, diced into 1/2-inch pieces
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1 tsp peppercorns, coarsely crushed
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2 medium heirloom tomatoes, diced into 1/2-inch pieces
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1 tsp coriander seeds, coarsely crushed
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8 oz mild feta, diced into 1/2- inch pieces
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1/2 tsp cumin seeds
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Flaked sea salt
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1/2 tsp ground turmeric
DIRECTIONS
1. In a small saucepan, heat coconut oil, peppercorns, coriander seeds, cumin seeds, and turmeric for about 3 minutes or until fragrant. Let cool slightly but do not let coconut oil solidify.
SUMMER BARBECUE SUNSHINE GEMINI
FATHER’S DAY BEACH HOT PEARL
ROSE SOLSTICE
GRILL PRIDE
2. In a large bowl, place diced watermelon, tomatoes, and feta. Drizzle with oil mixture and finish with a dash or two of salt.
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INSIDE
The Shifting Touchstones of Our Lives PAGE 1
3 Enriching Staycation Ideas ‘Third Thursday 30’ Schedule PAGE 2
When Is It a Good Time to Invest? Watermelon and Tomato Salad With Turmeric Oil PAGE 3
Botanical Gardens in the US PAGE 4
LIVING MUSEUMS OUR NATION’S BOTANICAL GARDENS In 1842, the Wilkes Expedition returned from its trek across the Pacific Ocean on behalf of the United States government, having visited parts of Portugal, Brazil, Antarctica, and Fiji. Among the specimens the explorers brought back from their travels were collections of plants gathered from around the world — just what the young nation needed to start its very first botanical garden. George Washington, Thomas Jefferson, and John Adams had a shared dream of creating a national botanical garden, but the idea didn’t really get off the ground until the Wilkes Expedition brought back the garden’s first plants. The United States Botanic Garden (USBG) was established in Washington, D.C., and four of the plants on display there today are part of the original collection brought back from the expedition. Since it’s not always possible to go on vacation and visit far-off gardens, many botanical gardens around the world have started bringing the flora right to you with virtual tours. In addition to the USBG, which offers virtual tours at USBG.gov/take-virtual-tour, check out these other gardens that allow you to explore without having to leave your home. CHICAGO BOTANIC GARDEN In the spring, the Chicago Botanic Garden staff invited virtual visitors to join them for a nature moment.
Garden staff shared images from around the 17 gardens kept there. The Chicago Botanic Garden continues to wow with virtual tours that, thanks to Google’s technology, make you feel as if you’re really there. Start your tour at ChicagoBotanic.org. WADDESDON MANOR AND GARDENS This historic site across the pond in England gives visitors detailed virtual views of the Waddesdon Manor and its stunning gardens. Each day at Waddesdon Gardens, the staff designates a specific area as a “Silent Space,” where visitors can go to disconnect and find peace. The Gardens also created a special message for their virtual visitors that we can all take to heart: “We encourage you to find a space in your garden or in your home that feels peaceful and designate a time each day to enjoy a quiet moment of reflection.” To see this historic site for yourself, visit Waddesdon.org.uk.
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