WWW.JERRYCARTERLAW.COM January 2019 A MONTH FULL OF CHANGES What’s Happening in Our Firm?
The new year signals change, and here in our law office this month, the changes are abundant. My team and I have spent several hours brainstorming and preparing for 2019, and we would like to share the most important ones with you, our readers. First, we are moving to a new location. Packing boxes, hiring a moving company, and making a home for ourselves in a new building is a hectic way to start off the year, but the new space is needed to accommodate all the growth we experienced in the last year, as well as the continued growth that is coming in the new year, which is always positive news. We will have more room to meet with our new and existing clients, discuss early and comprehensive case management, and help small businesses proactively strengthen their legal policies, systems, and procedures. CHANGE NO. 1: A NEW HOME
firm’s name to Sierra Crest Business Law Group. There are several reasons for this change. Primarily, we want our name to emphasize our team-based approach to helping small business owners traverse rocky legal terrain. Also, this new name really just highlights how much we like the place we live. Through previous conversations with clients, I’ve learned that they all have issues that keep them up at night, but they are not always sure when they should consult with legal counsel about them. As a consequence, some concerns develop into serious and expensive problems before they are brought to legal counsel. To remedy this cycle, we have implemented a concierge legal protection plan for small business. The goal of the concierge legal protection plan for small businesses is to help clients save time and money by addressing potential issues proactively, before they grow into problems. It also puts small businesses in a position to make more money by taking advantage of business opportunities. In this protection plan, our attorneys CHANGE NO. 3: A NEW SERVICE
maintain regular contact with clients and help them build out their best practices for avoiding legal problems. We focus first on the areas that are of immediate priority to the individual client. We also conduct periodic risk assessments. In addition, we will be hosting quarterly workshops on proactively avoiding risk in areas of particular concern to small businesses. While anyone is invited to attend, clients who participate in our new concierge service will have priority scheduling for these workshops. My team and I understand that this is a lot of new information to take in, so if you have any questions about our new location, our new name, the Concierge Legal Protection Plan for small businesses, or want to sign up for our workshop this quarter, please don’t hesitate to reach out to us today!
CHANGE NO. 2: A NEW NAME
In addition to changing our office location, we will also be changing our
CHECK OUT OUR QUARTER ONE RISK ASSESSMENT WORKSHOP! Starting this quarter, we will be hosting quarterly risk assessments on different legal risk topics in order to help our clients to understand and build their best legal practices— which can save them a lot of time and loads of money! Our Quarter One Topic is: Fiduciary Liability Issues and Shareholder Agreements
Date: February 20, 2019 Time: Noon Location: Community Room of Plumas Bank
5050 Meadowood Mall Circle, Reno, NV 89502
If you would like to participate or have questions, please reach out to us as soon as possible!
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REUNITING BROTHERS IN ARMS Sgt. Fieldy Comes Home
There are around 2,500 military working dogs currently in service, and their efforts help save the lives of countless soldiers and civilians every day. One of these brave military dogs is Sgt. Fieldy, an 11-year-old black lab who was trained to locate the No. 1 threat in Afghanistan: IEDs. Sgt. Fieldy was deployed to Afghanistan with his handler, Cpl. Nicolas Caceres, in 2011. Early in their deployment, their vehicle struck a pressure plate while they were on patrol. Fieldy and Caceres were all right, but one of the other Marines in their company was badly injured in the explosion. The injured Marine could not be evacuated by helicopter until the landing zone was secured. Fieldy found another IED in the area and alerted Caceres. The bomb was quickly disarmed, and the injured soldier was taken to safety. This wasn’t the only IED Fieldy found. His sharp nose and dedication helped save thousands of lives. After his deployment, Caceres returned home, but Sgt. Fieldy served several more tours without him. While Fieldy continued to protect soldiers and civilians by tracking down IEDs, When it comes to retirement and finances, there’s enoughmaterial about saving to fill a library. You see commercials onTV showing one tiny domino gradually becoming a massive tower, you hear advice from coworkers and family members, and you read books and articles on the topic. Much less attention, however, is paid to how to spend those savings once you’re actually retired, even though it’s a significant part of the equation. After all, it doesn’t matter howmuch you save if you blow it all in a year. Here are a few considerations to keep inmind as you begin chipping away at that nest egg. The easiest way to budget for your retirement is with a level spending plan. In this system, you simply estimate how many years your retirement will last and divide your savings by that number. It’s better to make a generous estimate rather than a conservative one. A survey of financial planners conducted by the American Institute of Certified Public Accountants (AICPA) found that outliving savings is the No. 1 concern of those approaching retirement. Underestimating your life span is an easy way for this fear to come true. Of course, a level spending plan assumes that your financial needs won’t change over the course of your retirement. If you’re the type of person who regularly meets and exceeds your budgeting goals, you can probably make it work. If not, you may want to consider a plan that allocates more money with each passing year of retirement. In the event of increased medical costs or other later-life expenses, an escalating plan provides a financial safety net. HOW MUCH TO SPEND
Caceres worked tirelessly to make sure he could bring Fieldy home when his service was over. Military working dogs can be adopted by former handlers, law enforcement, or qualified civilians when they retire. After three years apart and a total of four tours served, Sgt. Fieldy was reunited with Caceres. In 2016, Fieldy received the K9 Medal of Courage Award, and in 2018, he won the American Humane Hero Dog Award for his service. “These dogs are out there with us,” said Caceres when he and Fieldy accepted the Hero Dog Award. “The dangers we face, they face them too. They deserve to be recognized. We ask so much of them, and all they want is to get petted or play with a toy. They’re amazing animals, and Fieldy is just an amazing dog. I can’t begin to express the gratitude I have for him.” If you are interested in supporting our nation’s working dogs or would like to adopt a retired working dog yourself, you can learn more at Missionk9rescue.org.
How to Spend Wisely in Retirement MAKE YOUR SAVINGS LAST
WHAT TO SPEND ON
Some of your spending choices will come down to personal preference and interests, but you might be surprised to learn that one category of spending consistently proves more fulfilling than others. Professor Michael Finke of The American College surveyed nearly 1,500 retirees and found that spending money on leisure activities and experiences caused the lowest rate of regret. Finke calls this “social spending” and surmises that it’s favored because it encourages older adults to get out into the world and enjoy their retirements. There is no perfect plan for how to spend your savings during retirement. But there is one very wrong way to go about it, and that’s mindlessly. However you choose to spend your savings, make sure you have a plan.
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TAKE A BREAK
Social Media Reminders for Parents SOCIALLY SECURE Social media has been making the world smaller than ever. The distance among cross-country relatives and friends shrinks with each post or Skype call. And instant updates from loved ones are particularly valuable during the holidays. That Christmas morning video call means Grandma and Grandpa get to see their grandkids in their new holiday outfits, but so can online predators. According to digital and safety experts, half of the photos filtered onto the darknet are stolen from parents’ social media accounts. If these predators are privy to your photos, they’re also able to snag your location and other sensitive information, putting you and your children at physical risk as well. On a less disturbing note, social media content is permanent. Even after you delete a post or a photo, it leaves a digital footprint that could follow your child throughout their education and could even affect job interviews or future relationships. It’s still possible for you to foster a sense of privacy in the digital age, but it’s important to respect what your child deems private information. After all, it’s their future. Consider these rules before you share. 1. Ask your child’s permission. If they can speak, then they can speak for themselves. Children love to see photos of themselves, but they may also be aware of what they are and aren’t comfortable with, even at a young age. 2. Limit the nudity. Everyone loves a beach day, but think twice before posting swimsuit or skinny-dipping pictures. Opt to post safer photos, like the family posing prior to fun in the sun. 3. Check your settings. Your privacy settings may be exposing your family to more people than you know, and if you feel the need to share every minute of your child’s day online, making these settings airtight will protect your children and their reputations. 1. Tinybeans.com is a secure photo-sharing website for parents of babies and young children. The digital photo album app allows you to share photos with only the people you choose. 2. Create a separate, secure group on Facebook. Family, friends, or coworkers in closed groups can still fawn over their little ones in a personal, safe setting. Despite the dangers your digital life can elicit, you don’t have to avoid the digital world completely. Social media is still a great tool for families to stay connected, as long as you take precautions. Go ahead and brag about your kids online — just be safe and considerate of your child’s wishes. Consider some of these safe alternatives to regular public posting:
CITRUS AND AVOCADO SALAD
Winter is the height of citrus season, so it’s a perfect time to experiment with oranges and lemons. Roasting the fruits concentrates their flavor and makes the skins edible, creating a blast of flavor for this winter salad.
• 1 blood, cara cara, or navel orange, sliced 1/8-inch thick and deseeded • 1 Meyer or regular lemon, sliced 1/8-inch-thick and deseeded • 4 tablespoons olive oil, divided • 1/4 small red onion, thinly sliced
• 2 tablespoons fresh lemon juice • 1 bunch arugula • 1/2 cup fresh mint leaves • 1 avocado, cut into wedges • • Salt and pepper, to taste
1. Heat oven to 425 F. 2. In a rimmed baking sheet, toss citrus slices with 1 tablespoon oil and season with salt and pepper. Roast citrus until lightly charred and caramelized, about 10–15 minutes. Let cool. 3. Meanwhile, in a large mixing bowl, combine onion and lemon juice. Season with salt and let sit for 5 minutes. 4. Add citrus, arugula, and mint to onion mixture. Drizzle with remaining oil,
season with salt and pepper to taste, and toss thoroughly. 5. Add avocado, combing very gently to not crush avocado.
Inspired by Bon Appétit
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INSIDE THIS ISSUE
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What’s Happening in Our Firm: A Month Full of Changes
What Happens to Military Service Dogs? Spending Tips for Older Adults Citrus and Avocado Salad Staying Safe on Social Media
Put MLK Jr.’s Message of Love Into Practice
A Message of Universal Love Commemorating MLK Jr.
In many of his speeches and sermons, Martin Luther King Jr. spoke about
historic events occurred. Our nation is full of opportunities to become better acquainted with the birth of the civil rights movement, from the King Center in Atlanta, Georgia, to Selma, Alabama, where protest marches were held in 1965. After all, if we don’t know our past, we are doomed to repeat it.
the Caged Bird Sings,” or Rebecca Skloot’s “The Immortal Life of Henrietta Lacks.”
3. SHARE THE MESSAGE OF NONVIOLENCE AND GIVE BACK TO YOUR COMMUNITY.
love. He wasn’t talking about the romantic kind, though. King often used the term“agape,” an Ancient Greek word used to refer to the unconditional love of God for man, to talk about universal love for all people, regardless of race, religion, or circumstance. We commemorate King on Jan. 21. It’s a celebration and a National Day of Service, so take the opportunity to honor King’s message of universal love. Here are three ways to put agape into practice.
At the center of King’s message was the principle of nonviolence. Consider how you can advocate for nonviolence in your community. You could donate your time or money to a local shelter for victims of abuse, or volunteer your home to foster abandoned pets. If you’re part of a PTA or another school organization, encourage students to put an end to bullying. The Mix It Up program has anti-bullying lessons and activities that support King’s message. Take some time to reflect on Martin Luther King Jr.’s vision this month and take part in the universal message of love. Don’t we all want more of that?
2. EDUCATE YOURSELF AND OTHERS ABOUT THE STRUGGLES PEOPLE HAVE FACED.
Learning about the experiences of others cultivates empathy. When you interact with someone across cultural or subcultural boundaries, it helps to reduce prejudice. Promote positive interactions in your community by hosting a film night or book club focused on the civil rights movement. You can feature a movie like “Selma” or “13th.” For a book club, select an autobiography or biography that puts yourself in someone else’s shoes, like Maya Angelou’s “I Know Why
1. PAY A VISIT TO A HISTORICAL SITE.
Immerse yourself in King’s message this month by visiting the places where these
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