DuPont Wealth - March 2021

DuPont Wealth - March 2021

WHEN LIFE GIVES YOU LEMONS ...

Lemons don’t just add a tart flavor to your favorite desserts or cool you down in a refreshing drink on a hot summer day. In addition to bold flavors, lemons also have powerful cleaning properties. Their acidity and oils cut through grease and can sanitize many of your household items. The best place to clean with a lemon is in the kitchen. For the microwave, simply juice a whole lemon into a bowl of water, then plop the used peels into the bowl. Microwave the mixture for a few minutes, let the bowl cool before removing it, then wipe away the grease in the microwave. You can also use this method for your oven. For odor-blocking properties, you can use a lemon as an air freshener. Leave half of a lemon in your refrigerator to trap and block potential smells and toss old lemon rinds down the garbage disposal. Run the disposal to clean the blades and freshen up the sink. As for your kitchen tools, don’t toss them out without trying this lemon trick first. Start by sprinkling salt on a wooden cutting board, then slice a lemon in half. Using half the lemon (flesh-side down) like a sponge, scrub the board really well. Wipe and remove the leftover lemon juice and rinse the board before using it again. Not only will the board appear cleaner, but it also won’t smell as bad, and the bacteria will be

gone. You can also use this method to polish dining ware, spruce up copper, and even remove stuck-on food from plates.

Now, here’s the real secret: Once you master kitchen cleaning a la lemon, you can use these same principles to clean other parts of your house. For example, salt and lemon can be used to scrub grimy sinks and faucets, while a few squeezes of lemon juice in a cup of water makes an excellent cleaning solution for mirrors and windows. You can even make your own reusable cleaning spray by fermenting lemon peels — and the peels of other citrus fruits — in white vinegar for two weeks. Remove the peels after two weeks and spritz the mixture over surfaces you need to clean! EPISODE 10 Taking Out The Trash - Getting Out Of Your Own Way EPISODE 9 Biden Our Time - The Impact Of The Change Of Administration EPISODE 8 Let’s Go Back To Basics: Part 3 Estate Planning EPISODE 7 Setting Financial Goals That Will Change Your Future EPISODE 6 Let’s Go Back To Basics - Part 2 Annuity Basics WHAT HAVE WE BEEN TALKING ABOUT IN THE PODCAST?

WE APPRECIATE YOU

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DID YOU KNOW?

SOCIAL SECURITY BENEFITS CAN ADAPT TO INFLATION — BUT IT STILL PAYS TO PLAN

Inflation may not always be top of mind when you think about planning for retirement. Of course, you will likely consider your current expenses, but you need to account for what the costs of those expenses could be over time. None of us can predict the future, but we can plan. Inflation diminishes purchasing power over the years and increases the costs of services that retirees and pre-retirees need. Given that more Americans are living longer, it can pay dividends to include inflation risk in your overall planning. The other issue we have to contend with when it comes to inflation is that we may be lulled into a false sense of security since government measures of inflation have been very low in recent years. In addition, safer investments like money market funds, CDs, and government bonds generally yield

less than the cost of goods and services many of us need. This makes it difficult for our safe money investments to keep pace with our expenses. Lower government inflation measures also have an impact on Social Security benefits. One of the features of Social Security is that benefits are generally adjusted each year for inflation in what is known as a cost-of-living adjustment, or COLA. On Oct. 13, the Social Security Administration announced the COLA will increase by 1.3% for 2021 for the more than 70 million recipients. The average monthly benefit in 2020 was $1,514 per month, so the increase for 2021 with the COLA is $19.68 per month. The cost-of-living adjustment of 1.6% for 2020 is lower than that of 2019, which was 2.8%, and 2018, which was 2.0%.

Nearly 9 out of 10 individuals age 65 and older receive Social Security benefits. Social Security benefits represent about 33% of the income of the elderly. Getting the most out of your Social Security benefit is extremely important for your retirement, and it’s nice to have a feature that steps up with inflation. However, adjustments tracking official government statistics likely won’t cover the higher expenses you will face throughout retirement, such as health care, so make sure to plan accordingly!

WORD SEARCH

GREEN GODDESS SMOOTHIE

Inspired by AmbitiousKitchen.com

If you’re looking to get your green on, why not try this light smoothie?

INGREDIENTS

1 1/4 cup unsweetened vanilla almond milk

1 1/2 cups fresh organic spinach

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1 organic apple, peeled and chopped

1 tbsp chia seeds

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1/2 medium avocado

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1 medium banana, frozen

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DIRECTIONS

1. In a large, high-powered blender, add in all ingredients.

2. Blend on high for 1–2 minutes or until all ingredients are well combined.

AQUAMARINE BASKETBALL BUTTERFLY CLOVER

DAFFODIL GREEN IDES LEPRECHAUN

MADNESS SPRING TANGERINE WOMEN

3. If necessary, add more almond milk to thin the smoothie.

Serve immediately and enjoy!

4.

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INSIDE

March — The Month With an Identity Crisis PAGE 1

The Best Cleaning Tool Can Be Found in Your Kitchen Podcast Info We Appreciate You PAGE 2 Don’t Forget About Inflation in Your Retirement Plans Green Goddess Smoothie PAGE 3

3 Irish Travel Destinations for Your Bucket List PAGE 4

3 IRISHTRAVEL DESTINATIONS FORYOUR BUCKET LIST

DON’T MISS THESE HISTORIC SPOTS!

Traveling to Ireland might not be an option for you right now, but like a leprechaun hoarding gold, you can still fill up your bucket list with all of the pubs, rolling hills, and lucky sites you’d love to see. This month when you’re planning your trip to Dublin, Galway, or Cork, add these spots to your itinerary. THE OLDEST BAR INTHEWORLD – ATHLONE, COUNTYWESTMEATH When Sean’s Bar closed because of the COVID-19 pandemic, the entire country of Ireland groaned. The pub is famous for its Irish whiskey, music, and history, which stretches back to 900 A.D., far enough to earn it the title of “Oldest Bar in the World.” As of this writing, Sean’s is slated to reopen when it’s safe again, and considering it has already survived the bubonic plague and the Spanish flu, odds are good that it will make it through this, too! Soon, you’ll be able to raise a glass in the same rooms where the noblemen of nearby Athlone Castle shared drinks in the 12th century. Find more historical tidbits at SeansBar.ie. IRELAND’S SPOOKIEST CASTLE – COOLDERRY, COUNTY OFFALY If you’re a fan of thrillers and true crime podcasts, you won’t want to leave Ireland without visiting Leap Castle. This 16th-century haunt was built by the fierce O’Bannon clan, who famously ordered

two brothers to throw themselves off a rocky cliff as a test of strength. The survivor was named clan chief, and later Leap Castle was built on that very site — beginning its long and bloody history. Read more about its haunted priest’s house, murder hole room, and bloody chapel at LeapCastle.net and meet the many ghosts that haunt its halls. A FAMOUS

SMUGGLERS’ SHORTCUT – NEWCASTLE, COUNTY DOWN Get ready to tie up your hiking boots! This roughly 2-mile hike, called Hare’s Gap, is one of the

most famous and beautiful routes in Ireland. When you climb through this pass in the Mourne Mountains, you’ll be rewarded with views of glacial cliffs, boulder fields, and ancient-looking stone walls. Legend has it that the pass was part of the Brandy Pad smuggling route, used to ferry goods like soap, leather, spices, and coffee.

Safe travels, and ádh mór (good luck)!

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