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Law Office of Jeffrey B. Kelly
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July 2017
the Greatest Country in History BANKRUPTCY HAS MADE THE UNITED STATES
Bankruptcy has helped make the United States the greatest country in history. How is this possible? It has given people a second chance and allowed them to become productive again. Many famous people have filed bankruptcy and recovered. Many people in the history of this country have suffered financial disasters, filed bankruptcy, and recovered in amazing fashion. People like Walt Disney, Henry Ford, Larry King, and Kim Basinger have had to file for bankruptcy and later recovered. Before creating his world-renowned mouse, Walt Disney had a company called Laugh-O-Grams. It did not make it. Walt Disney filed for bankruptcy in 1922. After filing bankruptcy, Disney moved from Missouri to California, and the rest is history. Can you imagine a world without Disney? What if Walt Disney had been thrown into a debtor’s prison? What if he had never been given a second chance? There would be no Disney World! Henry Ford’s first two car companies did not work out. His third try, Ford Motor Company, revolutionized the world. Ford’s creation of the assembly line changed not only the auto industry but almost all industries. What if Henry Ford had been thrown in debtor’s prison? What if he had never been given a second chance? I don’t want to think of a world without my car. Both Larry King and Kim Basinger had to file bankruptcy. After filing bankruptcy, Larry King went on to a successful career at CNN. Kim Basinger has had successful movie career since she filed in 1993.
For a longer list of famous people who have filed for bankruptcy, check out Oklahoma bankruptcy attorney Dan Nunley’s blog at oklahoma- bankruptcy-attorney.com/ stories-of-real-people/ famous-people-who-have- filed-bankruptcy.
Henry Ford’s first two car companies did not work out. His third try, Ford Motor Company, revolutionized the world.
Where did bankruptcy come from? Where did this idea of bankruptcy come from? In the United States, it started with the Constitution, in Article 1, Section 8, clause 4. Our founding fathers did not want a nation
of economic slaves. Therefore, they gave Congress the right to establish “Laws on the subject of Bankruptcies.” Where did the founding fathers get the idea for bankruptcy? The answer to this question may really shock you. They got the idea from the Bible — Deuteronomy, Chapter 15. As authorized by the U.S. Constitution and as shown through these and many other famous examples, Chapter 13 and Chapter 7 can help you recover from a disaster to get a new start. As Dan Nunley says, “Bankruptcy is not permanent dead end on the road to success, just a curve along the way.” I’m thankful I live in a country that will give people a second chance.
– Jeff Kelly
Break Free From Your Debt • (678) 568-2276 • 1
HUSTLING FOR THE FAMILY
How to Balance a Side Hustle and Family Life
A side hustle — whether it’s maintaining a blog, freelancing for local publications, or driving for Uber or Lyft — can be a substantial boon to your family’s finances. But it can also cause tension and change family dynamics. Luckily, it is possible to balance a side hustle, keep your sanity, and maintain healthy relationships with your spouse and kids. Here are some tips on how to make a little extra cash without overly disrupting your family life. ORGANIZE YOUR LIFE. Regardless of how meticulously you’ve organized your life, after a few weeks of extra work, your world is sure to seem a little more complex. One excellent way to synchronize with your family — and ensure you don’t miss anything important — is to have every family member streamline their busy schedules into one of many family calendar-sharing applications, whether it’s Google Calendar, Hub Family Organizer, or Cozi. This way, you’ll be able to quickly and visually determine the best times to take breaks, and easily make sure your work schedule doesn’t overlap with picking up your kids from school or seeing the school orchestra perform.
TAKE BREAKS. There is no person on earth who can work 18-plus-hour days every day of the week. Everybody needs a little R & R. Regular breaks will allow you to spend quality time with your spouse and children, reduce the risk of burning out, and enable you to enjoy your life outside of the daily grind. Honestly, though, breaks aren’t enough. If you’re really making time for everything, you’re going to be working some long days, and you’ll need the energy to match. Make sure you are eating healthy and making time for regular exercise.This way you won’t pass out the next time you try to watch “Trolls” with the kiddos. MAKE TIME. It’s likely time already feels like a scarce resource, and with an added side hustle, you’ll find it’s a true luxury. Make a list of your usual daily activities and cut down on those that don’t mesh with your goals.TV, social media, and extra day-job responsibilities probably need to fall by the wayside if you’re going to fit everything you want to accomplish into each day. Check out the book “StopWasting Your Life And Start DoingWhat Matters Most” by Jeffrey L. Krug for some tips on doing just that.
“Our attorney is the brightest, smartest, most compassionate, wonderful man on the planet Earth. Mr. Kelly rescued my husband and myself just as we were going under for the third and final time. We were retirement age, and both of us had worked two jobs for over 40 years each. We took care of our mothers which allowed both to live comfortably until their deaths, we educated our daughter through graduate school, and we managed to build a home on some acreage. Just right before we had everything paid off, I fell down at work and broke my knee, and then I had a stroke. Jeffrey Kelly saved us!” — DEBORAH G. JULY TESTIMONIAL
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march “The Stars and Stripes Forever” became a Fourth of July standard. “Stars and Stripes” may have been the first song associated with the holiday, but it certainly isn’t the only one. “God Bless America,” “This Land is Your Land,” and “America the Beautiful” are all Independence Day classics. Another integral part of Fourth of July celebrations is, without question, the food. From hot dogs and hamburgers to watermelon, there’s no better day to enjoy some all- American fare — and there’s no more food more American than barbecue. Barbecue has been a Fourth of July tradition, especially in the South, for over a century.When the great American ornithologist John J.Audubon visited Kentucky in the early 19th century to research the local birds, he was treated to an Independence Day barbecue. He never forgot, and wrote of the event, “Although more than 20 years have elapsed since I joined a Kentucky Barbecue, my spirit is refreshed every Fourth of July by the recollection of that day’s merriment.” The Fourth of July, though, isn’t just about food and festivities — it’s also a day to remember the ideals our country was created to embody.Thomas Jefferson, the writer of the Declaration of Independence, certainly felt that the holiday was a time to reflect on these values. In the last letter he ever wrote, from his home at Monticello on June 24, 1826, he advocated that annual celebrations “forever refresh our recollections of these rights, and an undiminished devotion to them.” AMERICAN VALUES FOOD, FIREWORKS, AND
Every American child is taught that we celebrate Independence Day to commemorate the signing of the Declaration of Independence on July 4, 1776. On that day, we have cookouts, wear patriotic garb, and gather to watch the night sky lit up by fireworks. Like all traditions, these events can seem like a matter of course, but they have a fascinating historical origin. One of our founding fathers, John Adams, had ideas for what the celebration would look like even before the document had officially been ratified. In a letter to his wife Abigail written on July 3, 1776, he spoke of celebrations “with pomp and parade, with [shows], games, sports, guns, bells, bonfires, and illuminations from one end of this continent to the other, from this time forward forever more.” It was only one year later the first Fourth of July fireworks display was held in Philadelphia. Of course, the Revolutionary War was still raging at this point, so celebrations were by no means extravagant or widespread. Once the war ended in 1783, Independence Day began to be recognized as a holiday in many parts of the country. It replaced March 5, the date of the Boston Massacre, as the major patriotic holiday in Massachusetts.Around this time, fireworks also became commercially available all over the young nation.
After theWar of 1812 ended and American independence was solidified further, celebrations reached even greater heights. During this time, John Philip Sousa’s 1897
Looking for a summer dessert you don’t have to feel guilty about indulging in? Try this easy, low-fat frozen treat! FROZEN YOGURT PIE SUMMERTIME
Ingredients •
1 premade graham cracker pie crust
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1 cup frozen or fresh mixed berries (strawberries, blueberries, and blackberries) 3 (6-ounce) containers regular yogurt (berry flavors work best)
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1 (8-ounce) container Cool Whip
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Directions 1. Combine Cool Whip, mixed
3. Cover pie with foil or plastic lid.
berries, and yogurt in a bowl. Mix with a spatula until well- blended.
4. Store in freezer for at least 3 hours, or until frozen through.
5. Serve frozen or slightly thawed.
2. Pour yogurt mixture into pie crust.
Break Free From Your Debt • (678) 568-2276 • 3 ENJOY!
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This Issue
1 2 3 4
Bankruptcy Has Made the United States the Greatest Country in History
Hustling for the Family July Testimonial
Food, Fireworks, and American Values Summertime Frozen Yogurt Pie
Spelunking 101
Spelunking 101
Get Ready to Brave the Cave According to the National Caves Association, there are more than 100 caves open to the public for guided tours and expeditions. Some caving clubs offer organized excursions and teach basic spelunking (caving) skills. While spelunking can be exciting and adrenaline-filled, there are important safety precautions each explorer must take before starting an adventure. As a basic rule, never go caving alone. A small group of four to six people is preferable, and if you’re not hiring a guide, make sure that at least two people in your group are experienced cavers. Most importantly, let several people know where you are going, who is going with you, and when you plan on being back home. Equipment The single most important piece of caving equipment is your light, and experts recommend bringing three sources, including your headlamp. You should also carry a few extra bulbs and batteries for each light source. Wear a helmet at all times. Because your headlight only illuminates a certain view plane, you might miss low- hanging stalactites. Many caves are cold, so dressing in layers is ideal. The National Speleological Society recommends nylon and polyester over cotton, because synthetics tend to dry faster and are more resistant to scrapes and snags. If there’s a chance you’ll get very wet, you’ll want to bring a change of clothing.
Also pack items like waterproof hiking boots, gloves, thermal underwear, and knee and elbow pads. You’ll need to bring enough food and water for the day and a map of the cave you’ll be exploring. Pack a small first-aid kit for cuts and bruises. You’ll also need enough large plastic garbage bags or crush-proof containers to hold any food waste, dirty clothing, or human waste. Don’t leave anything behind! Also, you can pack a disposable camera, a magnifying glass, pen and paper, and duct tape.
Spelunking can be a great adventure. Using the safety precautions and checklist above, you can ensure that your experience is safe and enjoyable. Happy caving!
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