Law Office of Jeffrey B. Kelly June Edition

Law Office of Jeffrey B. Kelly

107 E. 5th Ave., Rome, GA 30161

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(678) 568-2276

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KellyCanHelp.com

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June 2017

this father’s day THINKING ABOUT MY DAD

This Father’s Day, I wanted to share a little bit about my own father with you all. I feel very lucky to have had him in my life, because my dad was a great guy. A pharmacist who worked long hours, he was never afraid to show that he loved me, or tell me to my face. In fact, he always said, “I love you.” One time, when I was a teenager, I got pretty embarrassed. “Come on, Dad,” I said. “We’re guys. We’re not supposed to say that we love one another!” At that moment, my dad really knocked being a father out of the park. He grabbed me by the shoulders and shook me. “I never heard those words from my father,” he said, “and I wish that I had. I never want you to doubt that you had a father who loved you.” I may have been an embarrassed teenager, but his words made an impact on me — all the more so because he died just a few years later, when I was 16. Although his passing was a tragedy, I never doubted that he’d loved me every single day. And he knew that I loved him, too. Dad taught me a lot of things. An Atlantan, born and bred from a long line of proud Atlantans, he’d worked hard his entire life. He went to Grady High in downtown Atlanta, attended the Atlanta Pharmacy School, and lived in the area until he passed. All that work paid off in the form of a Mark V Lincoln Continental, a car that he loved so much he wrote songs about it. I’m not kidding! One day, I wanted to move the car into the garage, so I could play basketball in the driveway. To this day, I don’t know what I was thinking —

I wasn’t even old enough to drive yet! Need I say more? I totally messed up the fender, and I called my dad practically in tears. When I told him what happened, I think he

was practically in tears as well! But that didn’t stop him from imparting a lesson about forgiveness: “I love you,” he said. “I forgive you. But you’re still going to spend all summer working in the pharmacy to pay for the damage!”

I never doubted that he’d loved me every single day. And he knew that I loved him, too.

Who was I to argue? I worked all summer, and he ended up getting in an accident later that year, so he never fixed the fender. One time I brought it up and asked if I could get the money back, since he’d never fixed it. “Son,” he said, “that’s not the way the world works.” That was another valuable lesson from my dad. But most of all, my dad taught me how important it is to appreciate the ones we love while we have them, because we never know how much time we really have. This Father’s Day, I hope we can savor the moments we have — or had — with our dads. Those moments are incredibly precious.

And tell your kids you love them, over and over again.

– Jeff Kelly

Break Free From Your Debt • (678) 568-2276 • 1

DIY FOODS THAT SAVE MONEY

How to Cut Out Expensive Pre-Made Staples

Granola - Savings per box: $5

Food is one of the biggest expenses for every family. An easy way to cut down on costs is to make items you normally buy premade. Here are some of the biggest offenders when it comes to an inflated grocery bill.

It’s a great breakfast option, and one that comes with a steep markup, but granola doesn’t even require cooking. Combine oats, dried fruit, and nuts, and you’re done.You can also add honey and bake the mixture, and then you have homemade granola bars.

Salad Dressing - Savings per bottle: $3

Breadcrumbs and Croutons - Savings per jar: $2.50

Not only is bottled dressing expensive, but it’s often packed with additives you want to avoid. Dressing is a simple formula: oil, plus acid (vinegar or lemon juice), plus other added flavors. You’ll be shocked how easy and delicious it is to make.

The price of breadcrumbs is outrageous. When your loaf of sourdough goes stale, don’t throw it out. Cube it, toss in some olive oil, and bake it into croutons. Alternately, crush it up and use it to bread meats or make stuffing. The next time you’re at the market, ask yourself which items in your basket can just as easily be made at home. Put in the effort to do it yourself, and your checkbook and taste buds will thank you.

Hummus - Savings per tub: $3.50

Hummus pairs with nearly everything, but can cost $5 per tub. Canned chickpeas and tahini paste? They are a lot cheaper. And making hummus couldn’t be easier. Place one can of chickpeas, ¼ cup of tahini, the juice of one lemon, and two tablespoons of olive oil in a blender. Mix until smooth and add salt to taste.

JUNE TESTIMONIAL “It is never a pleasing moment when you have to tell someone you are counseling that bankruptcy is an option they need to consider. But to know that there is someone out there who provides the legal counsel necessary to assist through such a difficult time is very relieving. Jeffrey Kelly is a very knowledgeable attorney with a heart for the people he is serving. I thank him often for the help he has provided to my close friends and family.” — RANDY L.

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CLEANING FOR A NEW START BANKRUPTCY AND SPRING

Could bankruptcy help you with your spring cleaning? Springtime is a great time to go through your house and clean up all the garbage you have allowed to pile up over the past year. Flowers are popping up. Birds are chirping. The weather is awesome. Now is a great time to roll up your sleeves and get cleaning. I love springtime! It is also a great time to do some financial spring cleaning, as well. For many people, their credit report looks a lot like this picture. Garbage piles up over the years. Tax liens, car repossessions, medical bills, and on and on. Life Happens and Garbage Piles Up Sometimes, bad things happen to good people through no fault of their own. Divorce happens. People lose jobs. People have medical issues and miss work for extended periods of time. Things can just come at you from out of the blue. You have a choice. You can either lie down and wallow in agony or stand back up and fight. You don’t have to let bad history keep you from having a good future. Attack the problem. Chapter 13 and Chapter 7 bankruptcy can help you get a new start.

Georgia Has Harsh Consequences for Ignoring Credit Problems The scary part of a messy credit report is that it can really sneak up behind you and take you down. When you ignore stuff on your credit report long enough, eventually, you will get sued. In Georgia, that means a creditor can garnish up to 25 percent of your take-home income. Worse yet, they can completely clean out your checking account. Why wait for disaster to strike? Chapter 7 and Chapter 13 bankruptcy can help you clean up the past so that you can move on to a better future. Get a Free Copy of Your Credit Report If you want to see what your credit report currently looks like, go to annualcreditreport.com . Under Georgia law, you are entitled to one free credit report per year from each credit reporting agency. We offer a free consultation to anyone considering bankruptcy. Call us today at 770-881-8449.

SENSATIONAL

SUMMER SALAD

It’s officially the season of salads, and fruit salads are summer’s specialty! Enjoy this tasty dish as a side or main course. For some added protein, toss in a handful of slivered almonds or chopped pecans.

Ingredients: •

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2 tablespoons lemon juice

1 pound strawberries, thinly sliced

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1 tablespoon maple syrup

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3 medium peaches, thinly sliced

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2 teaspoons balsamic vinegar

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1 cup blueberries

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1 heaping tablespoon fresh basil or mint, chopped

Directions: 1. In a medium serving bowl, combine the strawberries, peaches, blueberries, and basil.

2. Drizzle lemon juice, maple syrup, and balsamic vinegar on top.

3. Gently toss to combine.

4. Serve immediately, or chill for later.

Break Free From Your Debt • (678) 568-2276 • 3 ENJOY!

Recipe inspired by CookieAndKate.com.

107 E. 5th Ave. Rome, GA 30161 (678) 568-2276 KellyCanHelp.com

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This Issue

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Father’s Day

DIY Foods That Save Money June Testimonial

Bankruptcy and Spring Cleaning for a New Start Sensational Summer Salad

Work Out on the Road

Work Out on the Road The No-Equipment Workout To dedicated athletes, the thought of laying on a beach for a week during vacation sounds absurd. So what should you do when you have to leave your workout routine behind? Luckily, there’s a workout for you. The Sore Legs, No Equipment Workout was created by Bobby Maximus, author of “Maximus Body.”While this workout is especially beneficial for endurance and strength athletes, anyone up a creek without a paddle — or in a hotel room without gym access — will find this workout helpful. Maximus’ Sore Legs, No Equipment Workout involves a series of repeated lunges and wall-sits. Not only will this give you more stamina during a long run or ride, but you’ll also get rid of aches and pains. Even if you don’t have issues running now, you’ll prevent these issues down the road thanks to this workout. Most strength athletes find themselves in a rut because they don’t do enough repetitions. This workout solves that problem. The number of repetitions increases your lower body strength and challenges you mentally, too.

The Sore Legs, No Equipment Workout involves 40 alternating bodyweight lunges, followed by a 30-second wall-sit. Then, 38 alternating lunges, followed by another 30-second wall-sit. You reduce the number of lunges by two until you are down to two alternating lunges and a 30-second wall-sit. To get the most out of this workout, it’s recommended that you make it through the workout without resting. You’ll find that a few reps into this Sore Legs, No Equipment Workout, your legs will be just that — sore. But it’s a great way to add variety into your normal workout routine and keep you at your strongest all summer long.

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