The Day John F Kennedy Met the Beatles – the Story Behind the Short Story

Announcing my first frenetic foray into fiction

I’ve been writing fiction since I was a kid in grade school. I love writing as much as I love reading but getting my stories published has always been frustrating.

Alas, I am writing in an age where fewer and fewer publishers are … publishing.  Were that this be the early twentieth century when newsstands were lined with magazine after magazine filled with fiction of every genre in all their pulpy goodness!

Those days are gone, but now cyberspace has replaced the old newsstand. You can still read stories of any genre and of any length online.

I have published three books online with some success. Regular readers know the titles by heart as I hype them with the frequency of a carnival barker: Abby’s Road, the Long and Winding Road to Adoption, Toddler TV and The Brave & the Bold: from Silent Knight to Dark Knight. All non-fiction.

I have not published any fiction – novels, novelettes or short stories.  Until now!

(trumpet fanfare)

“The Day John F Kennedy Met the Beatles” is a short story (just over 5000 words) available through Amazon.

Wait, you say, John F Kennedy never met the Beatles. True.

All fiction starts with “What if…?”  What if elves and dragons were real? What if man could sail among the stars? What if vampires and zombies roamed the earth? What if three penniless sisters move to Kent, England during the Regency Period and experience love, romance, sense and …

What if Kennedy had lived? Either by surviving the assassination or by it not having occurred at all? What if he lived to see Beatlemania invade American shores? What if he asked them to perform at the White House?

Why would he ask them? Would the Beatles and their management agree? Would they say, “Stuff it”?

As a history buff, my recycling bin is filled with issues ofHistory Channel Magazine (now defunct), Colonial Williamsburg Magazine (name and format now changed), Smithsonian Magazine and Renaissance Magazine.

I wrote “The Day John F Kennedy Met the Beatles” as if it came from such a magazine. It is very fact-driven – even with faux-footnotes.  Remember the old writing trope “show don’t tell”?  This is filled to the brim with “tells”. Think of it as a piece of fiction that thinks it is a piece of non-fiction.

And I like it! But then I say that about everything I’ve written.

But it’s true – I do like this story! It’s the kind of piece I would enjoy reading. I loved doing the research on the Beatles’ history and melding them with a fictional history of Kennedy’s second term.

I’ve also included quotes from the involved parties. Sometimes it was hard getting the voice correct – but I think I succeeded. I am particularly pleased with the quotes from George Reedy (LBJ’s advisor) and the humor in the press conference (“Did you vote for Kennedy?” Lennon: “I didn’t even vote for the queen.”)

I hope you enjoy it. Look for it on Amazon. It is available for viewing on Kindle and only costs $0.99.  You can enjoy it at lunchtime, before bed, or as one of many stories you can enjoy during a lazy summer.

Here is the link to the short story available through Amazon:

https://www.amazon.com/Day-John-Kennedy-Met-Beatles-ebook/dp/B01HQQ7F8K/ref=sr_1_1?ie=UTF8&qid=1467304185&sr=8-1&keywords=beatles+kennedy+curry#nav-subnav

More fiction to come!

Copyright 2016 Michael Curry

What Bankruptcy Can't Do ... Part One: Taxes

WHAT BANKRUPTCY CAN’T DO

Part 1: Taxes

For over twenty years, I have helped thousands of people file bankruptcy. I enjoy helping people get out from under crushing debt and to stave off cruel collection agencies.

But there are times when bankruptcy will not help. There are certain kinds of debts that are not affected by filing for bankruptcy.  They are not dischargeable – which means they will survive the bankruptcy. When the smoke clears – these debts will still have to be paid.

State and Federal Taxes are these kinds of debts.

Personal income taxes due can be discharged in either of the individual bankruptcies available – Chapter 7 liquidation and Chapter 13 consolidation or repayment. But your taxes can be discharged only if they can make it over four hurdles:

1. The taxes had to have been due at least three years before you file for bankruptcy. Earlier this year taxes were due for 2015. Counting backwards that means any taxes owed for 2015, 2014 and 2013 are not discharged if you file for Chapter 7.

When does the clock start ticking? That is an important question that will affect whether or not the taxes will discharge. When is the exact date? Good question. When you file Chapter 7 bankruptcy the IRS will fight like a tiger to have your taxes ruled non-discharged. They have a lot of weapons at their disposal.

Remember that Tax Day is April 15^th. If someone filed on April 14^th of this year, their 2012 are not yet three years old.

Did you file for an extension for that year? Then the deadline is three years from the extension, not April 15^th.

2. You will have had to file your tax returns for the years in question at least two years before you file your bankruptcy. If you owe for 2012 but you just filed them this past spring, they will survive the bankruptcy.

The key words are “you” and “file”. If you owe for 2010, but Substitute for Return was filed by the state or the IRS and NOT by you directly, that doesn’t count. Always check to make sure it is not a Substitute for Return. This is the most successful trap in the government’s bag. “I think I filed in 2010,” is not going to help – make sure YOU filed your tax returns.

3. The taxes you owe will have to have been assessed against you for over 240 days. You just found out you owe for 2010 taxes last week? They will survive if you file now. This is rarely a problem for my clients - by the time they come to see me they will have been fighting the IRS for years.

4. No tax fraud. This is also rarely a problem for my clients. As I tell them, “If you are being accused of tax fraud you would know about it and have a lot more problems than you have now!” If there is any tax fraud I send them to a tax attorney. Then they can come back for the bankruptcy.

***

Some clients do not have a problem with their tax debt surviving their bankruptcy. “I can handle the taxes if you can get these credit cards off my back.” That has been the case many times, but occasionally I see someone that only needs to wait a few months.

“It’s July, but if you wait until September it’s possible your taxes will discharge too. Would you like to wait?”

“Yes!”

***

These rules apply to income taxes ONLY. Sales tax from your business, employment tax, use tax, etc. are NOT subject to these four criteria. Those kinds of tax debt WILL NOT discharge if you file a Chapter 7.

***

However, ANY non-dischargeable taxes (income, sales, employment, use, etc.) owed can be paid in a Chapter 13. In some jurisdictions (like mine), taxes are not allowed to be paid interest. Interest continues to accrue in the three-to-five years you are paying into your Chapter 13 Plan. Depending on the amount owed, you may owe MORE at the end of the Plan than at the beginning - because of interest.

As said above, I have had clients say, “I can deal with that, as long as they stop collecting it in the meantime. If I can get the credit cards, the medical bills AND the IRS off my back for five years and all I’ll have is the IRS when it’s done, that okay.” I still have them sign an acknowledgment advising them about the interest.

Can the IRS or state still take your tax refund while you are in a Chapter 13? Tricky question. And it depends on the district in which you live. In my practice, the answer is “No, they are not supposed to”. Usually the Chapter 13 Trustee takes the refund, so there is not much to be gained by fighting over it – let the Trustee and IRS duke it out instead. If you live in an area where you are allowed to keep some of your refund, it is worth the fight. In my district we are very lucky – the IRS and Illinois Department of Revenue are wonderful to work with and tax return captures are rarely a problem.

As always, if you have tax issues and wonder if bankruptcy will help, consult a local skilled bankruptcy attorney. Consider this a guideline only.

I’ll discuss more debts that are non-dischargeable next time.

Copyright 2016 Michael Curry

My name is Michael Curry and I have practiced law in Mount Vernon, Fairfield, Flora and throughout Southern Illinois since 1992. During that time, I have helped more than 5,000 people (and businesses) overcome their financial difficulties by filing for bankruptcy. As a solo practitioner, I will also be happy to help protect you and your family’s future with estate planning, wills, powers-of-attorney, real estate transactions and other legal services.

Please call or text me at 618-246-0993, email me at michael.curry.law@gmail.com  or send me a letter:     123 South 10th Street, Suite 507, PO Box 93, Mount Vernon, IL 62864