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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 MAR
BREAKING THE MADNESS
REVELATIONS OF A ONCE RABID FAN
I’ll be honest. I’m not feeling the madness this year. At a time when it seems like all anyone talks about is the NCAA tournament about to dominate the airwaves, I’m sitting here with a profound sense of disinterest. I can’t help but ask myself, “What’s changed?” I didn’t used to be this way. For decades, I was a rabid March Madness viewer like any graduate of a big basketball school. Although reasonable minds can argue over whether OSU has that pedigree, we have had our share of excitement and loss. Rooting on OSU was a priority in those days, and I’d live and die with every shot. And, of course, I took it beyond just watching. I got into the bracket-making craze for a while — we’d even have an office competition to see whose predictions would win. I tried my best to apply all my knowledge of the sport, but ultimately, basketball is a very different beast from estate planning. It has too many variables and moments of pure chance to account for. After losing out to my administrative staff year after year, I hung up that particular tradition — but that’s not what pulled me out of the madness. Victory, in the end, was what shook me from the throes of fandom. My indifference toward the sport didn’t come from throwing in the towel after a bitter loss, but instead, it was a lesson learned from football. We Buckeye football fans have been blessed (spoiled?) with national championship teams. On each of those occasions, I celebrated along with the rest of this town. But the next day, I woke up, and nothing had changed. I wasn’t taller, stronger, or celebrated for bravely rooting on my team from the sofa. It was just another day.
This was less a complaint and more a realization. Here I’d been pouring so much of my emotions, time, and energy into something I literally had no control over or say in! I didn’t recruit the players who won that game, I didn’t do any of the coaching, and I certainly didn’t get out there on the field myself — yet there I was, getting riled up over every game as if I had a sports scholarship on the line. If victory itself didn’t make it worth it, what was the point? This isn’t to say I’ve quit watching sports cold turkey. In fact, I think I enjoy watching games now more than ever. I’ll even tune in and catch a game or two of the tournament despite the fact it falls right in the middle of my busy travel season. The difference now is I can view these matches from a more detached perspective. Not having my emotions so intensely tied up in the matter has let me appreciate the excitement of every game and the hard work these talented athletes bring to the court. At the risk of reviving an old cliche, I’ve realized that being a sports fan is about the journey, not some trophy waiting at the end. I guess those OSU victories gave me something after all. Having said all that, I am pretty sure that if the Buckeyes make a deep run into the tournament, I may loose a bit of this perspective and get wrapped up again. After all, that is what being a sports fan is all about: the engagement, the passion, and the high blood pressure.
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Natural Supplements to Increase Your Energy NEED A BOOST?
As spring kicks off, many people will be tempted to grab a Monster, Red Bull, or Rockstar to get through the day. Energy drinks may give you a quick boost, but the high levels of caffeine and sugar can lead to migraines and increased anxiety. If over-consumed, these drinks can even lead toType 2 diabetes. To avoid these health hazards, try out a few of these natural energy boosters instead. ASHWAGANDHA Ashwagandha is an evergreen shrub found mostly in India. As part of the Ayurveda system, an alternative medicine practice from India, it’s also known as “Indian ginseng.” The Alternative Medicine Review published a study indicating ashwagandha increases the body’s resilience to physical and mental stress by lowering levels of the stress hormone cortisol by 28%. Ashwagandha can also help you through long workouts and the 9-to-5 grind because it may also improve brain function, including memory. You can get ashwagandha in pill form at most convenience stores around the world. CREATINE Many people don’t realize creatine is a natural energy booster because they get it mostly in processed, high-sugar energy drinks. However, in doses less than 5 grams, creatine provides impressive benefits during high-intensity activities, short-duration exercises, and sports, including football, shot put, and weightlifting. This compound is found in red meat, pork, poultry, and fish, and when consumed, it releases phosphates that give your body a quick burst of energy. Ingesting more than 5 grams, though, will leave you feeling bloated with a lot of stomach discomfort. Creatine powder can be found at most wellness stores.
BEETROOT POWDER Beetroot powder is made from the roots of the beet plant and is rich in nitrate. Nitrate relaxes blood vessels, creating increased blood flow and oxygen delivery. This enables your body to produce energy more efficiently and maintain energy levels, making beetroot powder a great aid for endurance sports like running, soccer, and biking. In the International Journal of Sports Nutrition and Exercise Metabolism, a study reported that athletes could work out for 25% longer when they used beetroot powder. Fatigue didn’t set in until much later in their workout, which improved their training and performance.
This spring, say goodbye to energy drinks and get the boost you need with one of these natural energy supplements.
THIRD THURSDAY
MARCH 19 Tackling the Cost of Long-Term Care
APRIL 16 The Tax Man Cometh
After hearing Jeremy and Jackson’s account of their attack by the river, Greg DuPont feels a strong sense of déjà vu; their kidnappers sound all too familiar, and the pieces start fitting together in his mind. Having called in reinforcement from Mike and Carl, he somewhat reluctantly teams up with the de Modelo boys, going on the offensive to try and trap the abductors — and possibly Arturo’s would-
MAY 21 Special Guest Appearance
Join us at noon on Facebook Live or catch the podcast at ThirdThursday30.com.
be murderers, as well. But is he really putting all the pieces together correctly, or are they missing something and walking into a trap? Check out the entire Chapter, catch up on prior chapters, and perhaps learn a few things at DandBlaw.com or http://bit.ly/PilotMysteryCh10.
MARCH TO 1 MILLION UPDATE
Current count for the March to 1 Million: 260,766
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NAVIGATING INTELLECTUAL PROPERTY RIGHTS
THE LAY OF THE LAND Charting the way toward transferring any form of intellectual property requires an assessment of all the factors involved. This will largely depend on the specific type of intellectual property you are looking to pass on. For example, copyrights and patents will have an inherent renewal or termination rights attached to them, putting them at risk of slipping into the public domain. On top of these case-by-case considerations, valuation is also an issue. MAPS, NOT TERRITORY Getting an accurate valuation of intellectual property will always be a perilous undertaking. That’s largely because the IRS guidelines on such valuations lack specificity, and methods can get abstract quickly. For example, a novel you wrote might be valued for its “future earnings potential.” But how far into the future does this valuation extend? The wrong methodology might saddle your loved ones with quite a tax burden. Needless to say, for experts like us, puzzling out
In the age of the internet, estates just aren’t as tangible as they used to be. Digital assets, nebulous resources, vaguely defined rights — these shapeless valuables all fall under the umbrella of one of the most important aspects of modern estate planning: intellectual property. This has caused many in the field to confront some important questions, namely, how do you pass on what you can’t touch? A SHIFTING SPACE One of the main issues with intellectual property law is that it’s constantly in motion. The field is still new enough that authoritative commentary is generally lacking on how things like copyrights, patents, and trade secrets can be made part of an estate. Contradictory precedents, new legislation, and evolving understandings of how we value intellectual property make this one of the most difficult areas to navigate in our line of work. But as with all navigation, it all comes down to getting your bearings.
these questions is an exciting and challenging part of our job. If you are looking to transfer any sort of intellectual property as part of your estate plan, we can help you chart the course.
SUDOKU
RATATOUILLE
Inspired by Bon Appétit
INGREDIENTS
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1 eggplant, peeled and chopped 1 large zucchini, sliced into 1/4-inch-thick rounds
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5 sprigs thyme
1 large onion, halved and sliced 1/2-inch thick 1 red bell pepper, chopped 2 garlic cloves, sliced 2 pints cherry tomatoes
•
• • •
• •
2 tsp salt
3/4 cup olive oil, divided
DIRECTIONS
1. Heat oven to 400 F. 2. In a colander, toss eggplant, zucchini, and salt. Let sit for 30 minutes and pat dry. 3. In an ovenproof pot, heat 1/2 cup olive oil. Add half of eggplant mixture, stirring constantly for 5 minutes. Remove vegetables from pot. 4. Tie thyme sprigs together with kitchen twine. 5. In the same pot, heat remaining 1/4 cup olive oil, and cook onion, pepper, garlic, and thyme for 8–10 minutes. 6. Add half the tomatoes and cook for 5 minutes. 7. Stir in original eggplant and zucchini mixture and top with remaining tomatoes. Do not stir. 8. Transfer pot to oven and bake mixture for 15–20 minutes. 9. Remove pot from oven and remove thyme bundle before serving.
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INSIDE
Greg Talks March Madness PAGE 1
Ditch the Energy Drinks
Pilot Mysteries Synopsis PAGE 2
How Do You Pass On Intellectual Property?
Ratatouille PAGE 3
Stay Stateside With These Little-Known St. Patrick’s Day Celebrations PAGE 4
STAYING STATESIDE FOR ST. PADDY’S?
CELEBRATE WITH THESE LITTLE-KNOWN FESTIVITIES
There’s no place quite like Ireland on St. Patrick’s Day. What was once a purely religious holiday to honor the legend of St. Patrick chasing all the snakes out of the country has turned into a global celebration. But if a trip to Ireland isn’t in the budget, check out these three little-known stateside destinations that are just as festive. SHORT AND SWEET IN ARKANSAS Thanks to the clever thinking of some Irish friends meeting for a pint at a bar on one of the shortest streets in the world, Bridge Street in Hot Springs, Arkansas, the First Ever 17th Annual World’s Shortest St. Patrick’s Day Parade will travel 98 feet once again this year. Don’t assume the turnout isn’t robust just because the distance is staggeringly low. The parade lasts for hours, drawing thousands of people to watch celebrities, musicians, bands, floats, and Miss Arkansas glide by. The event also features a Blarney stone kissing contest and a parade king and queen. A LITTLE LUCK IN AMERICA’S HEARTLAND O’Neill, Nebraska, is home to the world’s largest shamrock and more unique St. Patrick’s Day traditions. This Irish community doubles down on its heritage every March with a traditional parade, music, and Irish dancing. But the town also hosts a popular dodgeball tournament and donkey basketball. What could be better than pummeling your opponents in dodgeball and
outpacing the competition while riding a donkey in the school gymnasium? Perhaps enjoying a pint or two with your teammates afterward. And O’Neill is just the spot to do it. OHIO’S LITTLE PIECE OF IRELAND You may not be able to fly to Ireland, but you can visit a little piece of it right in the U.S. Head to Dublin, Ohio, this St. Patrick’s Day for a traditional celebration sure to put a wee bit o’ pep in your step. Partake in a traditional Irish breakfast or enjoy a parade complete with bagpipers and Irish dancers. Boasting one of the largest celebrations in the U.S., Dublin is an affordable alternative for those looking to celebrate the Irish way.
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