Investing in oil and gas is a game changer. It draws people down a bracket or two depending on their investment. At the end of the year, if you’re looking at yourself and you need a deduction and you want the investment at the same time, take a look at this. Get educated about oil and gas as an investment and learn about the phenomenal tax laws that very few people know about that allow us to make a major tax deduction. On the same note, if you’re just looking for a deduction and you want to make a donation to a nonprofit, you might just want to check out Kelvin Kelly. Kelvin he runs a nonprofit called Nomads & Nobles. He talks a little bit about how he built up Nomads & Nobles and shares why making a donation to a nonprofit actually benefits you.
Listen to the podcast here:
The Benefits Of Donating To Nonprofits with Kelvin Kelly
How is your portfolio doing? For the most part, it has been a roller coaster ride and I would think you would agree with me that the stock market overall is volatile. It has a lot of volatility. If you have a family member or friend that’s volatile, you probably don’t want to hang around with them too much. The word volatile is tending or threatening to break out into open violence, changeable, flighty, evaporating rapidly, passing off readily in the form of vapor. Basically, it’s a roller coaster and that’s what the market is. A lot of people don’t get worried about it. I don’t worry about it because I don’t have a penny in the market. The whole thing over the course of time is going to average. People who are retired and are pulling out money every month every quarter, it’s absolutely devastating to pull money out of the market when it’s down.
If you’re going through that and if you’re looking for something a bit more consistent with your money, I can help you. If you’re looking for a tax deduction as we approach the end of the year, people are looking for tax deductions. As I worked for the oil and gas company, I’m a salaried employee for them and I help them raise capital. There are some magnificent tax advantages for investing money in oil and gas. A direct participation in oil and gas well project and most of your traditional financial planners don’t have access to this because everything those guys do, they have to run to Wall Street so Wall Street can get their fee. This is going straight to an oil and gas company who drill wells, who put the drill bits in the ground 4,000, 5,000 feet deep to try to extract oil. There are some tremendous tax savings for doing that.
In fact, the law has always been that you can deduct up to 85% of the amount of your investment. With the current tax law overhaul, it’s even sweeter now. You can deduct up to 100%. Tell me another investment where you can put money in and deduct up to 100% of the investment of your taxable income so your taxable income will go down because of this. Then on top of that, the first 15% of income into ownership of the wells is tax-free into perpetuity of the wells. Every year you own these wells and the first 15% is tax-free. It’s not taxable. Yes, there’s absolutely risk involved when you’re drilling for oil and gas but our company does a great job of mitigating that risk. We’re dropping it down to a level or two, the technology and oil and gas has changed tremendously has increased for the better. It’s a great way to look at an end of the year deduction. People I’ve met with January through November are now taking the next step to get their deduction and to become an investor in oil and gas.
I encourage you to get educated about oil and gas as an investment, as a portion of what you do and learn about the phenomenal tax laws that very few people know about that are out there that allow us to make a major deduction. It’s a game-changer. It drops people down a bracket or two depending on their investment. If you’re looking at yourself at the end of the year and you need a deduction and you want the investment at the same time, you take a look at this. On the same note, if you’re just looking for a deduction and you want to make a donation to a nonprofit, I also have a suggestion. I have my good friend with me, Mr. Kelvin Kelly, and he runs a nonprofit. Kelvin, welcome to Sage Money Radio.
Thank you for having me on.
I will tell you how we met. I was asking our baseball coach here in town for someone to help my son with some speed for baseball and he gave me Kelvin’s name. It’s been an absolute honor to meet him. He’s a brother in Christ with me. He’s an outspoken Christian like me in everything he does. He and my son run together and they pray. I pray with them when I’m there at the end of the session and getting to know Kelvin. He runs a nonprofit called Nomads & Nobles and that website is NomadsAndNobles.com. Kelvin, tell us a little about yourself. I know you’re a local resident from this area. We graduated from high school in the same year. Tell our audience a little bit about yourself.
I grew up in a small city called Baton Rouge, Louisiana. I transitioned to Scotlandville, Louisiana. I was talking to a friend of mine and he said, “You came a long way from Avenue E from Scotlandville. After that, I ended up going to high school at Baker High School. I ran track and field and I got a scholarship to the University of Arkansas to run. I was a part of four national championships while I was there. I broke the school record. I had some tremendous success but I also had some tremendous failures. One thing I learned is that I had to succeed because I knew many people that had failed. One of the things I also learned from that is I would fail if I forgot why I succeeded. There are a lot of the things that I experienced over the course of that and then from there, I ran with a great organization called Nike for a couple of years. I had the opportunity to run.
Your paycheck came from Nike to run for them and represent them.
Yes. It was a great experience. Then after that, I came back to Louisiana around Hurricane Katrina time to help in the shelters. When I came back, I met a beautiful young lady who’s now my wife. We had the privilege of now parenting four beautiful kids. One named Noble and another one named Justice and another named Valore and our baby girl is named Honor.
I would say it’s a safe comment to say that you are knee-deep in children like I am.Influence without purpose accidentally leads to forgetfulness. Click To Tweet
Jim Gaffigan said, “When you’ve got three kids, it’s like you’re in the pool drowning and then someone throws you a baby to make sure that you actually drown.”
There’s a lot of fun at our house. My wife is a teacher so I always say she’s amazing at what she does keeping us going. Our calendars change daily in what is called organized chaos because it’s chaos but somewhat organized. Tell us a little about Nomads & Nobles. The mission statement Is, “We seek to become a global voice through athletics and the arts while we unite, inspire and invest in people locally nationally and around the world.”
Nomads & Nobles started years ago. I had the privilege of going to South Africa for a mission trip. I was going to minister to pastors. The great 2016 flood hit Louisiana and I was there for ten days afterwards. When I got back, the name became one of those things that we had the opportunity to step into an arena where people needed us. With that, me and my wife decided that during that time I stepped away from a position of a youth pastor that I was doing for the last twelve years of my life. When I got back, we had lost our house, our car, and I had no position or salary.
While you were in South Africa, the flood hits. I guess you are communicating with your wife through FaceTime. It would be pretty tough to know that your wife and four kids and your home have taken in water and you are literally halfway across the globe, helpless.
It was one of the most difficult experiences. I grew up without my father and now I’m a dad and that has become my identity. I wanted to be a great dad. Before I left, my little boy said, “I’m worried about you getting on the plane.” When I got back I said, “I should have been worried about you. I’m concerned about you.” We had the wonderful experience of watching God’s hand in the midst of everything that we went through. When I got back, my wife said they went through three evacuations, one in Zachary, one in Central and one in Prairieville. When we got back things began to fall into place. We moved to St. Francisville. In 2017, I chose three schools that I would totally invest in. One was Central, one was Zachary, and one was West Feliciana. In 2017, I had the privilege of being a part of two state championships. One of the things I’ve learned over the last several years of being an athlete that influence without purpose accidentally leads to forgetfulness. As an athlete but also after I finished running, I saw a lot of my friends who struggle. We have friends who are highly unbelievably gifted athletes and academically astute but they struggled with identity and purpose.
I’m 42 and it’s easier to look back. For some people, you want your identity to be in sports. For me, I get my identity from, number one, in Christ. Number two is dad and husband. It’s easier to see at 42 than it is at 22. Not that I’m wise but I’m wiser than when I was twenty years ago.
That gap continues to increase when you don’t have a father. We watch TV and we see a guy taking a knee on the NFL field and the culture that has been surrounding him has developed something that he can’t see because he hasn’t had someone to walk him through the process on how to honor. That’s one of the things that Nomads & Nobles have been a big catalyst in different high schools of being able to help the young men honor the previous people and the generation that came before them.
If you’re reading this right now and you want to get Kelvin, his phone number is area code (225) 772-4995. I’m going to put you on the spot here because I’m going to make a donation. Tell our audience why make a donation to a nonprofit such as Nomads & Nobles? What does it benefit? They sound like they’re buying something. They’re making a donation. What good will come from it?
One of the things that we have on our website is our product is people. Any time that you invest in people, you always have a great return. Teachers do it all the time, coaches do it all the time and also fathers do it. Nomads & Nobles have had the privilege of investing in individuals and helping them to succeed when generationally some of them haven’t won anything in life. One of the things that we’ve had the privilege of is watching people succeed who had never experienced that in any facet of their life. One guy, in particular, is from Cameroon, Africa. He now lives in Los Angeles. He’s now a book writer. He got commissioned by the Congress because of some of the good things and talent that he has brought forth from Los Angeles. There’s another kid who’s now with the New Orleans Saints. He was a walk-on at Louisiana Tech.
We can say his name. It’s a public relation. I talked about him before because there’s a connection with a client of mine who called me from this show and him. His name is Boston Scott. It’s phenomenal for a young man. He was drafted in the seventh round by the Saints. I don’t know what’s going down but he’s always on Twitter and publicly talking about God and Jesus and seems like a phenomenal young man. I’ve only met him one time after a game. I used to say, “Good game,” but I have never spent time with him but I know you have. He’s a phenomenal young man. Kelvin, is there anything else going on? I know sometimes you guys will go to a local shop here in town, like for example the last one that I and my wife went to. Where was that at?Any time that you invest in people, you always have a great return. Click To Tweet
We do it when we can and Altar’d State has been doing it since October.
You go there on a certain day and they give you a little bit of their profit to your organization, correct?
Yes, Altar’d State and Mission Monday and they’ve been doing that since October for Nomads & Nobles. Lululemon did something on our behalf as well. They invited me out because they wanted to honor me for shaping young men around the city of Baton Rouge in the local area.
Even as a dad, I’m connected with my two sons and the things that we do. I’m always on them to make sure they tighten up a little bit. It’s always great to have great influences around young men. One of the best guys that I know here is a guy named Neil Weiner, the football coach. He’s a phenomenal person. He’s definitely the kind of football coach you want your kids to have. Just everything that he does, the way he plans, retreats, and just spins football like you do with track and running. It’s not just a track lesson. There’s a little life lesson there too. There’s some scripture involved and if you’re grounded in life in the Bible like me, like you are, we get energy from there as well. Plus, I love history and the Bible is full of history. Anything else you want to tell our audience in Baton Rouge. Are there any events going on between now and Christmas time that you know?
No, you bring up Coach Weiner. That’s where I first began doing a lot of the stuff that I do now. He gave me the privilege to work with him at Zachary and now coach Bru gives me the same opportunity to work with the kids at Zachary. It’s easy for me to have faith when I’m not up on the authority so I’m not like a smoking gun that I just do my own thing. I get the privilege to partner with other people who allow me to help shape and mold the men that they’re helping shape and mold as well.
Make your end of the year tax. Make your donation and get your tax deduction. Reach out to me and I can put you in touch with Kelvin if you want to sit down with him or talk to him on the phone. Call me at 202-SAGE, that’s 202-7243. The website is SageMoneyRadio.com, you can send me an email from there. Going back to the website and his mission, it reminds me of the school my kids go to. They’re phenomenal in academics and arts but also through athletics and you say right here your mission, “We seek to become a global voice through athletics and the arts, while we unite, inspire and invest in people locally, nationally and around the world.” It’s a great mission statement. Tell us a little bit about the Nomads & Nobles and how the name came about.
When we were in transition and trying to figure out, “What are we going to do now?” We weren’t the only one. It was people all over the world, from refugees to people in my very hometown and people all over the state of Louisiana. I found out that about 85% of Louisiana was under water when I was in South Africa. The Nomads part came about because there were so many people in transition and the Noble part came because of my twelve-year-old son. His name is Noble and a lot of times as men or as people, we have a difficult time doing things that are difficult. His name has been the thing that I have learned to capitalize on when I think about why I do what I do. Growing up without a dad, he had become a clear call to me that this is my focus that for the rest of my life I would be helping people who had gaps. I would be one of those people who would fill in those gaps, whether it’s spiritually or whether if I found out that they were poor in the area. My thing is to spend the rest of my life making deposits in those areas. That’s why we came up with Nomads & Nobles.
How is life in Fayetteville?
Fayetteville, Arkansas was unbelievable. It’s a great community to not only be developed as a young man but also a great spiritual community. A lot of people there are still my friends and we keep in contact and being part of the Razorback community is unbelievable as well for ten years of my life. That’s where I spent the majority of my time. Being a part of the Razorback track and field during that time, we had four national championships. It’s amazing, it’s back-to-back. The coach there taught me how to win and a lot of it didn’t depend on me. He surrounded us with great people and built the community around this that will help us to develop into men and also be able to know why we succeed.
Kelvin Kelly is my guest with me. He runs a nonprofit called Nomads & Nobles. NomadsAndNobles.com, if you get a chance and you’re looking for a place to make a year-end tax deduction to benefit a great organization that’s helping people locally, is a place to look at. Take another look and see if it’s something you want to do.
Kelvin Kelly was talking about what he does and how he does it. He runs a nonprofit. It’s getting back to the community and it has that impact on my family for sure. I think the bigger impact is we’ll know each other a little bit better as the years go by. He’s a phenomenal guy when he runs, he looks so natural and amazing. He’s worked with my son on some running and it’s awesome. Talking about taxes and talking about how to decrease your tax burden, how to decrease the amount of money you owe to the government. There are only a few things out there that give a good tax deduction. I am no CPA but I am married to an elementary school teacher that’s pretty sharp. There are very few things out there where you can get a deduction and an investment together. I meet people all the time. I met with somebody and he goes, “Hollis, are you sure about these tax deductions for oil and gas?” I said, “Yes, I am 100% positive,” because when you’re with your retail financial planner, those guys are only allowed to offer with what the broker-dealer has to offer.I would fail if I forgot why I succeeded. Click To Tweet
If you want to invest in oil and gas, you have to go through a stock which you could buy that to be Ameritrade. You could do a partnership but very few probably will let you invest directly in a company who is drilling for oil and gas. I’m a salaried employee for these guys and I educate people in the Baton Rouge area on what they do. There are some major tax advantages for putting money in oil and gas. There’s risk involved. Once you do a little educational research yourself and learn how the risks are mitigated, it could be a good fit for you. The law used to read, it still does, up to 85% but the president and his administration when they did the tax changes a tax overhaul, they changed it where you can. It used to be 85% was the limit but now it’s 100%. Whatever amount you put in, whatever amount you contribute/invest, you could get up to a 100% deduction. It’s a straight-line deduction but it decreases your taxable income.
For a lot of people, it can drop them down a tax bracket. The way I look at taxes, any time I can keep more of my own money in my pocket and give less to the government, I’m happy. You have until December 31st to look at this to help yourself or to make a deduction at anything. A lot of people are getting bonuses and want to wait at the last minute to invest. I understand that because I’m a control freak with my money. You want to hang on to it as long as you can and then make the investment. With this investment in oil and gas, you could potentially write off up to 100% of the investment amount. If you don’t need a deduction this year, you have three years to carry it forward.
When you do make the investment and you are an owner you own a portion of wells, the first 15% of income every year into perpetuity is tax-free of income. There are a lot of advantages. These laws go back to the ‘80s when Ronald Reagan was president and he was trying to encourage American independence from foreign oil. Drilling in oil and gas is still risky but back in the ‘80s, it was very risky. There had to be an incentive for people to put their money into these oil and gas companies to explore. That’s why these laws come into effect and they haven’t changed. They’re still in the books the same way, in fact, they got sweeter. This is a great place to look. That is one place to look for an investment for a tax deduction, the income is monthly, the income is going to somewhat be different every month because number one, they have to hit oil. Number two, your monthly income depends on the price of oil per barrel. Number three, how many barrels are being pumped per day?
The checks that were received for November 25th, that was August oil that was pumped out of the ground. It was a 90-day lag time between from when you extracted it out of the ground to when you put money in your pocket. It’s the way the system is. Even the check for December should be good because prices weren’t $55 a barrel like they are now. Even when the prices go down, you still get checks, it’s just a little bit less. If you’re looking for consistent income, this company also has a note you can put money in, you’re called a lender. You lend them your money and they, in turn, pay you a rate of return. It’s a one, two or three-year choice you make. One-year simple interest is 8% and they pay that monthly. It’s a yield of 8% a year but it’s paid monthly. Do the math, you take $100,000. That would be $8,000 you would receive over the course of a year divided by twelve, that’s around $667 monthly income.
There is a compounding yield where if you don’t want monthly income, this is what all people do with their IRA money. The compelling yield is 8.3% for one year. That is like a CD, you put your money in, you do nothing, you get nothing. At the end of the one year, you get your basis and your profit back. The two-year simple interest is 8.5%. The two-year compounding yield is 9.23%. In terms of baseball, that’s not a home run investment but that is a very solid return on your money. The last option is a three-year simple interest yield of 9% and then a 3-year compounding yield of 10.28%. If you have an old 401(k) or money in your 401(k) and you want to put it in a self-directed IRA, you can do this now. As a lender, they’re taking your money. These people will say, “Hollis, where is the money going into?” They’re taking your money and they are going leasing up land before they drill the wells. Think about all the activity going on right now in beautiful East and West Feliciana parishes and Wisconsin and Amite County in Mississippi.
There’s a lot of oil and gas activity going on right now. There’s a lot of leasing land going on. Those companies are in that and those companies are targeting the Austin Chalk formation. It’s even going on in North and East Baton Rouge Parish. A lot of activity going to Pointe Coupee Parish as well. Those companies that are doing that, ConocoPhillips, Marathon and EOG, that’s the three main players right now. Where are those companies getting the funds? Where are they getting the money to pay the landowners for the leases? Those are publicly traded companies. I could go put money in ConocoPhillips right now if I want to. I could only portion that company and own stock. The company that I work for, we’re on a much smaller scale. We’re doing the same thing they’re doing in only a much smaller scale. Our wells are mostly in the Permian Basin. We do have some in East Texas. I encourage you to get educated on this.
If you’re going to talk about in terms of sports and everything, this 8%, 8.5%, 9% rate of return is not a homerun investment. It’s a good solid rate of return. Even the compounding yields of 8.3%,9.23%, or 10.28% could be a place for a portion of your money, depending on what your needs are. For this it’s a boring deal, there’s nothing to look at every day. It’s mailbox money. It’s a place to put your money where your basis does not decrease. It’s a place where you earn interest every month and you get paid at the end of one, two, or three years. If you want, you’re out then you get your basis back. I talk about the word bases all the time when I’m talking in front of people. It still amazes me and it perplexes me how many people don’t know what their basis is into their 401(k). How much money is in your 401(k)? “I have $527,000.” How much have you contributed to that? Most people’s answer is, “I’ve been putting in 6%, 3%.” Do the math, how much have you put in? With the way, the market is pretty much flat for the year and people think they’re doing okay because their 401(k) is up in value. Your 401(k) is up in value because of your contributions, not because of the performance of the market.
It’s not all about beating up annuities, beating the market. There are smarter places where you can put your money and not lock it up as so long as an annuity. You avoid the volatility of the market and get an 8%, 8.5% rate of return. It’s not a home run. It’s a good investment, a potential home run. When you’re looking and again, this is being a lender on the land side. There are no tax advantages or tax deductions for doing this side of it. If you want to become an investor in the wells, it’s a little bit different deal, a little bit riskier. Even though I think the risk is mitigated a lot. There’s still risk involved. It’s for accredited investors only but when you look at this and you see the history of the company and you see what they do and how they do it. When you look at the tax deduction and then there is potential for a nice triple maybe home run. This company’s goal is to drill these wells, prove their reserves and then sell them three to five years from now. When you drill, you receive the tax deduction, which is very nice.
That could be all you get if they drill wells and hit no oil or they do not hit oil, we’re done. Invest your money, get that deduction, and drill the wells. Get monthly income from the oil that’s being extracted from the ground every day. We sell that, turns in the monthly income. Three to five years down the road, the company wants to sell the wells to another company and they do. That’s where you come in and get a big rate of return on your investment. We just exited the project. The profit was around 20% just on the basis of what you put in. Once you factor in the monthly income for the sixteen months that we receive monthly income and the tax deduction, it was over 50% return when you factor all that in. There’s risk involved and you have to know that going in. We have a website that you can go look at. You email me, call me. I will pass along the information and you do a lot of educating yourself and ask a lot of questions and we answer them.
You have until December 31st to make an investment, to make a contribution, to get a deduction for 2018. All the people I’ve been meeting with this whole year are doing that now. We have some eBooks and white papers on the website, that I encourage you to take the tax benefits of oil and gas investments. I’m still amazed and I get passionate about it because very few people know about this and it’s awesome to know about. It’s awesome to learn that you can put money in something and get a major deduction for it as well. You would think the IRS would want people to know about this but I’m not sure they do. I’m not sure the IRS wants people to know about paying taxes on their Social Security. You have to do the education yourself and learn how to do this. Some people do this and “Hollis, my CPA didn’t know how to do a K-1.” I’m not a CPA, I don’t give tax advice but it’s not very hard.
Investing in oil and gas, you will have to extend to filing your taxes because they get that K-1 out at the very last minute and they’re trying to maximize the deduction. Like some of the stuff here, investment in domestic oil and gas industry represents a significant US policy priority to encourage less dependence on foreign oil with unparalleled tax incentives offered by the US government. To illustrate this point, the tax shelters of oil and gas investment were some of the only incentives to provide the Tax Reform Act of 1986. The IRS has an oil and gas handbook and in that handbook, it states, “The importance of the petroleum industry to the economy of the United States has led Congress to pass specialized tax laws that are unique to the oil and gas industry. The information presented here provides an overview of the significant tax benefits of oil and gas investment which allow 100% lowering of tax to write off intangible drilling costs, 100% depreciation of equipment cost, reduction in taxable income by 15%, which is the depletion allowance and almost full deduction of investment made late in the tax year. Income derived from oil and gas investments is subject to federal taxes and in some jurisdictions state taxes.
Tax law also varies depending upon whether investments were made by an individual or a business entity such as a corporation or partnership. The specific areas which largely impact oil and gas investment taxation, intangible drilling and development cost, it is called IDCS.” That’s why it’s very important to get the K-1 to file your taxes. For example, you make an investment between now and December 31st, you will get your K-1 at some point in time probably in September of 2019. You would want to file an extension of your 2018 taxes. To me, that’s not a big deal. I don’t think that’s a deal breaker for some people but going in you need to know that. You can still pay estimated quarterly taxes and all that but you won’t get your K-1 until late September or maybe even early October.
It’s very important to know, if you don’t need it for this year, the federal government lets you carry this deduction forward for up to three years that you can carry it forward and use it. It’s cool to do that because I’ve met people before that, they have other deductions going on and maybe a business took a loss so they can take this and carry it forward two years from now. Get educated about this. It’s cool to learn about this. Talking about intangible drilling and development costs deductions. IDCs are certain drilling and development cost for oil and gas wells in the United States in which you hold an operating or working interest. The US tax code treats favorably those costs related to oil and gas exploration, drilling and development by providing this beneficial write off of IDC related cost.
The US allows oil and gas investors to freely invest in exploration, extraction, and development. Knowing startup risk can be offset against any future tax liability. Specifically, to take advantage of the IDC deduction, investors must have a working interest in the oil and gas property, either directly or through an entity which does not limit the liability of the taxpayer with respect to such interest. As such the investment is not considered passive which is exposed to risk as the owner of a working interest oil and gas investors are deemed to be engaging in a trader business wherein losses or deductions can offset other self-employment income. The types of drilling and development activities which are deductible include costs of drilling, wages, supplies, drilling mud, cementing, logging, crop damage, survey and seismic to locate well sites, repairs, fuel, site preparation and road construction.
As an example, if a person invests $100,000 to drill a well, 80% of the investment will be deductible as an IDC resulting in the current deduction of $80,000. With the tax law overhaul, tax law changes, tax code changes, each package is different but potentially you could write off up to 100% of the deduction. The timing of the deduction is another benefit found on the IDC deduction regulation is the cushion of time between drilling and production. If the well is not productive immediately as long as it begins productive operation by March 31st of the following year the deductions will be allowed. Paraphrasing the IRS, the IDCs are ordinarily capital expenditures and were covered through depreciation or depletion. One can however elect to deduct intangible drilling costs, IDCs, as a current business expense. Further according to the IRS, an investor may deduct IDCs as a current business expense by subtracting it from your income in either the year you incur it or the year you pay it. It’s all about education.
As I get older, I realized the more I like to read. I wish I had been more like this in high school and college, more like to read and learn about different things. I am no CPA by trade. I am no tax expert but I’m affiliated with a company who knows the tax laws very well and they do a phenomenal job of getting investors the maximum deduction under the law and getting educated. Learning what else is out there besides what Wall Street’s teaching you about. Learning what else is out there, the alternative investment world. When you speak an alternative, there’s something called the alternative minimum tax liability. It’s something else to learn about as you’re doing this. If you want a nice cup of coffee to learn, you can look at the website.
There are so many stories. I’ve got a guy who owns land in Northern East Baton Rouge parish. He cut some timber off his land and received money on the lease. He’s looking for a deduction in taxes and this is a way for him to make an investment to lower what he owes Uncle Sam for sure and that is always great. If the government, which is better at spending money the government, can do such a terrible job of wasting money might be as bad. I like to show people how to keep more of their own cash in their pocket. I hope you enjoyed the show. God bless you. God bless the USA.
About Kelvin Kelly
From sportsmanship to the greatest Mission, Kelvin and Amber have discovered a way where both of their passions can come together to unite a collective group of influencers. Kelvin’s passion for Athletics has taken him all around the world. It has also given him the heart to mentor other athletes to help them reach their goals. Amber’s love for her children has given her a heart for the arts and other artists. Together, they have devoted their lives to this cause and the purpose of connecting Inspiration and Influence, to reach the greatest Investment of all: people, one life at a time.