DuPont Wealth - April 2019

Take a look at our newsletter this month.

LIFESTYLE ADVOCACY FAMILY FINANCE LAFF is a publication of DuPont Wealth Solutions and the 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.

19 APR

COMING TO A SCREEN NEAR YOU! At the time of writing, I just got back from taking this proverbial show on the road! I had the honor of addressing a Broadway theater full of entrepreneurs as a featured speaker on the “Success Live Tour.” Getting to take my message to the big stage was an incredible experience. The energy of the crowd was infectious, and it got me thinking about exploring other mediums through which to share my holistic approach to finance. Of course, this was far from my first speaking event. I’ve done plenty of seminars over the years and have no intention of stopping. But a thought occurred to me recently: Would I have the time to attend an educational or dinner seminar as an audience member? If I can’t find the time in my busy work and family life to attend a lecture on something I’m interested in, why should I expect any different from my own audience? This got me thinking. How would I most enjoy learning something new? What time or setting would be the most convenient and comfortable for me to listen to an expert’s advice? The answer (as it is with most things) was to be at home with a martini in hand. Now, I may not be able to invite the entire DuPont Wealth Solutions community over for cocktails, but I can certainly give you the power to attend my seminars from wherever you feel most at home! DUPONT LIVE

lunchtime, in the evening — whenever you like — and have a front-row seat for these cutting-edge webinars! These won’t be stuffy, finger- wagging lectures on fiscal theory, either; they’ll be a holistic look at how you can improve your life and your finances. My profession has given me the opportunity to explore a wide range of avenues for personal growth. I’ve spoken with experts and mentors in fields ranging from lifestyle to finance and brought their teachings back into my own wheelhouse to create a more holistic view. After all, what’s the point of building wealth if you never actually get to enjoy it? Of course, I won’t just be sharing what I’ve learned from these experts; I’ll be connecting you directly! One of the best aspects of offering these webinars is that it gives us the flexibility to bring in guest speakers from my nationwide network. This allows me to stick to the subjects I know best while providing you with a broad array of useful information. My team and I have some amazing programming lined up, and we can’t wait to share it with you. For a peek at what’s ahead, check out the next page! You’ll find our upcoming seminar topics and when to tune in. From the beginning, education has been a founding principle in our firm. We can’t think of a more perfect benefit to bring to our community!

“ONCE A MONTH, I’LL BE COMINGTOYOU LIVE WITHTIPS, TRICKS, AND ADVICE ONYOUR MOST PRESSING FINANCE AND LIFESTYLE QUESTIONS."

So, without further ado, I’m excited to

announce the launch of my new webinar series! Once a month, I’ll be coming to you live with tips, tricks, and advice on

See you on the air,

your most pressing finance and lifestyle questions. You’ll be able to tune in from Facebook live, at

Wealth Solutions www.DuPontWealth.com | Law Office www.DandBlaw.com | 1 Published by The Newsletter Pro . www.TheNewsletterPro.com

WORLDSWITHIN PAGES

Books to Engage the Whole Family

Learning to read opens up a world of possibilities. When your child walks through the back of the wardrobe into Narnia with Lucy Pevensie or rides with Harry Potter on the train to Hogwarts, they connect to something beyond their own experiences. In the U.S., April 23 is World Book Day, and the date commemorates the deaths of legendary authors Cervantes, Shakespeare, and Garcilaso de la Vega, as well as the birth of author Vladimir Nabokov. World Book Day is the perfect time to sit down with your family and let yourself be transported to new worlds. So, here are three great stories to help you take young readers on brand-new adventures.

Written in prose and rhyming poems, this book showcases sprawling landscapes — savannahs, jungles, and oceans — and features the wildlife living there. It’s worth a read simply to appreciate the colorful depictions of each animal. This book was written by Nicola Davies and illustrated by Petr Horácek.

FOR THE MIDDLE SCHOOLER: ‘THE NIGHT DIARY’

12-year-old Nisha navigates her world after the partition of India creates the new country of Pakistan and her family is forced to leave their home. Her mother may be gone, but Nisha finds solace in writing nightly letters to her in her diary as she discovers what the future holds. Based on author Veera Hiranandani’s memories of her own family, this moving tale lets readers experience life through someone else’s eyes. FOR TEENS: ‘BRAZEN: REBEL LADIES WHO ROCKED THE WORLD’ While some might not think of comics as proper reading, Penelope Bagieu’s graphic novel forces reconsideration. Her clever, colorful artwork and engaging narrative take the reader through the biographies of 30 women, from Bette Davis and Mae Jemison to lesser-known but equally intriguing ladies like Giorgina Reid. All in all, this book provides a great way to get kids excited about history in an entertaining form.

FOR THE ELEMENTARY READER: ‘SONG OF THE WILD: A FIRST BOOK OF ANIMALS’ “Song of the Wild” makes a great read-aloud book for beginner readers because they can get lost in the beautiful artwork while you read the text.

INTRODUCING THIRD THURSDAY 30

THIRD THURSDAY

JUNE 20, 2019; NOON: ARE YOUWORKING FORYOUR MONEY, OR IS YOUR MONEY WORKING FORYOU? Forget about work-life balance. How do we balance our current financial needs with our future financial needs and desires? We are excited to be able to bring this information to our friends, their families, and their friends. After much consideration, we have decided to keep this program open to the public through Facebook Live instead of behind a barrier so that you can freely and easily share the event with anyone you feel may enjoy or need the information.

Third Thursday 30 is our monthly program to inform, entertain, and engage. Think of it as a video L.A.F.F. with some more in-depth content. Each episode is designed to be less than 30 minutes and will feature a central theme and a special drawing … but more on that next month. Here is the initial schedule. APRIL 18, 2019; NOON: AVOIDINGTHE RETIREMENTTAXTRAP Learn how the IRS and the Wall Street marketing machine have combined to jeopardize your retirement, and what to do about it.

MAY 16, 2019; NOON: THE ALLOCATION MYTH Expose the lie that is driving your retirement savings plan.

Now, about that special drawing …You will have to tune in or wait until next month’s L.A.F.F. to find out more.

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SMALL STEPS WITH A BIG IMPACT

They are the seemingly inconsequential financial decisions we face every day: Should I go out for lunch with my coworkers rather than eat the sandwich I packed? Is a pair of jeans that is 50 percent off worth buying? Do I get (another) fancy cappuccino? While it’s easy to dismiss these decisions as a matter of pocket change, the truth is, they add up. Mastering your money starts with holding yourself to a budget — a difficult task for many. While we may not be able to be there to advise you on each of these everyday decisions, we can share some good rules of thumb for managing your finances. PUT PEN TO PAPER Now that even street vendors are equipped with card readers, spending money has become easier and more abstracted than ever. So rather than simply swiping and forgetting, why not inscribe every purchase in your memory? Forbes contributor Thomas Dichter is a big believer in writing down every purchase he makes, even if he’s only paying a few cents. This practice, according to the finance writer, has helped him stay within 1 percent of his personal budget from year to year. Whether you keep a notebook with you or type up your expenditures on your phone, this extra act of bookkeeping will help illustrate just how far small purchases can swing your budget in the long run. USE DIGITAL TOOLS One advantage of our digital age is that there are plenty of apps available to help us keep track of our spending habits, down to the smallest expenditures. Often a simple spreadsheet can do the trick, but there are

more purpose-built tools out there for those less inclined toward all things tech. Free apps like Mint, Wally, and Pocket Guard bring budgeting into the 21st century. They are each geared toward slightly different experiences, so do some research to find the software that’s right for you! ACCEPT THAT IGNORANCE IS NOT BLISS The simple truth is that many of us avoid tracking these purchases because we’re afraid of what we might find. Behind our unwillingness to become “penny pinchers” or “pencil pushers,” there’s an idea that not knowing about a budgeting issue is the same as not having one. The journey to a secure retirement is not made in a single bound. Controlled, measured steps in the right direction will get you farther than burying your head in the sand.

SUDOKU

OPENING DAY HAMBURGERS

Inspired by Saveur Magazine

With no fancy sauces, no frills, and no cheese, these all-American burgers are perfect for the start of baseball season.

INGREDIENTS

1 pound ground chuck, 80 percent lean 4 soft, white hamburger buns, split 4 1/4-inch thick tomato slices

4 small leaves iceberg lettuce

4 1/4-inch thick yellow onion slices 1 teaspoon vegetable oil Salt and pepper, to taste Condiments of your choice

• •

• • •

12–16 pickle rounds

DIRECTIONS

1. Lightly grease a small nonstick skillet with oil. Heat over medium-high. 2. While heating, gently shape meat into four patties 3 1/2 inches in diameter. Be careful to handle the meat as little as possible to prevent tough burgers. Season liberally with salt and pepper. 3. Sear patties on each side, about 1 minute per side. Reduce heat to medium-low and continue cooking until desired doneness, about 1 more minute per side for medium-rare, 2 more per side for medium-well. 4. Let meat rest for a minimum of 3 minutes. 5. To assemble, place patty on bottom bun and top with tomato, pickles, lettuce, and onion (in that order). Spread condiments on top half of bun and place on top of onion. Serve.

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INSIDE

DuPont Live! PAGE 1

Books to Engage the Whole Family PAGE 2

Managing Your Micro Finances

Opening Day Hamburgers PAGE 3

3 Travel Myths Debunked PAGE 4

PARIS ON A BUDGET? 3 TRAVEL MYTHS YOU SHOULD STOP BELIEVING Traveling has many social and educational benefits, but some people have hesitations that prevent them from jetting off on new adventures. Below are three debunked travel myths to give you some ease as you plan your summer vacation! MYTH: VACATIONS ARE EXPENSIVE. Fact: You can travel anywhere on a budget. Tracking flights to score the best deal, setting spending limits, and packing meals are a few ways to save money. Hostels and Airbnbs are great alternatives to spendy hotel stays. Additionally, you don’t have to cross the country to have a great trip. Every state has museums, unique roadside attractions, historical sites, and a booming nightlife. When you know your price limits and what you want to do, traveling can be a fun and inexpensive venture. MYTH: TRAVELING IS DANGEROUS. Fact: If you’re smart about what you do and where you go, traveling can be safe. Go with your gut and only stay somewhere that is approved by travel guides. Visit places you feel comfortable in, and do your research by reading travel blogs, websites, and books to find places that have been vetted by others. Traveling in groups can also be a great way to lower your risk of danger. As long as you plan ahead, you will have a safe trip.

MYTH: JET LAG IS CAUSED BY A LACK OF SLEEP. Fact: While jet lag can make you sleepy, it’s actually caused by a disruption in your circadian rhythm. Our bodies are cyclical, and the circadian rhythm is set by both a natural need for your body to reset and outside forces, such as your job, time zone, and diet. Travel can disrupt this rhythm and routine, which leaves you lethargic during and after your vacation. Sticking to water before and during your flights and staying physically active during and after traveling are great ways to fight jet lag and get back into your normal rhythm. Don’t let these travel myths keep you from seeing the world. Set a budget, go with your gut, and prepare for a shifting rhythm to make your next adventure the best one yet.

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