Take a look at our October newsletter!
MALLOY LAW OFFICES, LLC
OUR CLIENTS DESERVE FIGHTERS WHO NEVER QUIT Kicking Butt, Seeking Justice, Changing Lives
Some mornings you wake up knowing it’s time to get up, push past doubt, and face the world head-on. Life doesn’t wait for anyone. It rewards the people who get out there, take action, and kick butt. That mindset, the determination to do more than simply “get by,” is what drives progress. Whether it’s chasing personal goals, supporting your family, or standing up for what’s right, kicking butt means showing up with grit, confidence, and the willpower to keep moving forward no matter the challenge. That spirit is exactly what we do at Malloy Law Offices. Every day, our attorneys and staff embrace the call to push harder, fight smarter, and go the extra mile for our clients. We know the stakes are high. People come to us in the most difficult moments of their lives, and we’re committed to making
That’s why Oct. 13, National Kick Butt Day, resonates so deeply with us. It’s a reminder to never stop pushing and striving, and never let obstacles hold you back. It’s not just about celebrating victories; it’s about embracing the mindset that makes those victories possible. At Malloy Law, we carry that mindset into everything we do. We know every client who walks through our doors deserves more than legal guidance. They deserve advocates who will fight fiercely for them and who won’t quit until justice is served. Every case is a chance to stand up for what’s right, and every challenge is an opportunity to show resilience. So, how do we all carry this mindset beyond National Kick Butt Day? First, by staying grateful. Gratitude fuels determination. We’re grateful for our clients, our community, and the trust people place in us, and that drives us to work harder. Second, by focusing on growth. Growth isn’t just about getting bigger; it’s about getting better, sharpening our skills, and being ready for the next challenge. And finally, by staying connected to our purpose. For Malloy Law, that purpose is to serve, fight, and help our clients move forward with strength. Oct. 13 may officially be National Kick Butt Day, but at our firm, every single day is about kicking butt, for our clients, for our community, and for the future we’re building together. And when we do that, we don’t just win cases. We help people find the confidence and power to kick butt in their own lives, too.
Malloy Monthly
Serving You In: Bethesda, MD Clinton, MD Alexandria, VA Baltimore, MD Washington, DC Wheaton, MD Frederick, MD Manassas, VA Ellicott City, MD Germantown, MD Herndon, VA
a real difference. Through excellent personalized service, strong legal knowledge, and relentless dedication, we work to secure the justice and compensation our clients deserve. As I look at how much our firm has grown, I feel nothing but pride. From Maryland to Virginia to Washington, D.C., including Montgomery County, Prince George’s County, Arlington County, Fairfax County, and beyond, we’ve expanded our reach and strengthened our impact. Every new office, every new client, and every successful case proves that when you put in the work, growth follows. We didn’t get here by chance. We got here by kicking butt, day after day, on behalf of the people who need us most.
July 2025
October 2025
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Target Shallow Waters As temperatures drop, baitfish like shad move into the backs of creeks and embayments. Predatory fish such as bass and crappie follow, making these areas hotspots. Focus your efforts on these shallow zones to increase your catch rate. Experiment With Depths Fall turnover can scatter fish throughout various depths. Don’t hesitate to try different depths until you locate active fish. Using a fish finder can help you identify these productive zones. Fish Throughout the Day Unlike summer, when fish are most active during dawn and dusk, fall fish feed more consistently throughout the day. This allows for flexible fishing schedules without the need for early starts.
and targeting them can lead to successful catches.
Where, When, and How to Hook Fish This Fall AUTUMN ANGLING
Match the Catch In fall, baitfish grow larger. Adjust your lure size and color to mimic the prevalent forage in your fishing area. This increases the likelihood of enticing bites. Explore Stocked Waters Many lakes and streams are stocked with trout and catfish in the fall. These fish are often eager to bite, providing excellent opportunities for anglers. Utilize Live Bait Live bait can be particularly effective in cooler temperatures. Minnows, nightcrawlers, and shad can more effectively entice sluggish fish than artificial lures. Monitor Water Conditions Fall often brings changes in water levels due to drawdowns. Stay informed about these conditions, as they influence fish locations and behavior.
As cooler temperatures, golden leaves, and holidays roll in, fall is one of the best-kept secrets in fishing. While many pack up their rods after summer, savvy anglers know autumn is when the real magic happens. Fish feed aggressively as they prepare for winter, and the crowds of people enjoying the water have thinned out. A few tweaks can level up your fishing game this season, whether you’re chasing bass, crappie, or trout.
Focus on Structure Fish gravitate toward structures like
submerged wood and rocky banks during fall. These areas provide shelter and warmth,
In many cities, walking can feel like a challenge. City planners often design streets and intersections with only cars in mind, leaving pedestrians to navigate inconvenient crosswalks and poorly marked streets. Despite the risks, people still jaywalk and cross streets outside of designated areas or ignore pedestrian signals. It’s easy to see why: The nearest crosswalk might be out of the way, or waiting for the signal feels like a waste of time. While this behavior is common, it carries serious legal and safety implications. Jaywalking Isn’t Just Risky: It Could Cost You Legally
Though often treated as a minor offense with a small fine, jaywalking can have major consequences in the event of an accident.
Consider the liability and legal risk. Even if a driver strikes a jaywalker, pedestrians are not automatically entitled to compensation. Most of the U.S. uses comparative negligence rules, which can reduce a person’s recovery based on their share of fault. However, Maryland, D.C., and Virginia take a stricter approach with contributory negligence. In these jurisdictions, even being 1% at fault can prevent injured pedestrians from recovering damages. Insurance companies are well aware of this and may use a technicality like jaywalking to deny or minimize a claim.
Understand all types of jaywalking. Jaywalking isn’t limited to mid-block crossings. It also includes:
• Stepping into a crosswalk when the pedestrian signal says “Don’t Walk” • Ignoring pedestrian signals • Crossing outside marked crosswalks, even on quiet streets
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MAKE ROOM FOR LIFE WITHOUT DITCHING WORK COMPLETELY Who says slowing down means stopping? While your 60s used to signal retirement was on the horizon, more and more people are using this time as a launchpad for a new kind of freedom: semi- retirement. Whether dialing back your 9-to-5, chasing long-held dreams, or turning a passion project into a new hustle, semi- retirement allows you to remain connected and do what you love while providing financial security. Scaling back and continuing to work can give you a sense of flexibility and safety. to abruptly make a huge change in your routines or suddenly lose the job-related identity you’ve possibly built over many years. Many people who opt for semi- retirement like the sense of purpose that continuing to work part time gives them. It allows you to continue fulfilling work and gives you a social outlet. Not Done Yet? Try Semi-Retirement
How to Stretch Your Retirement Dollars One of the main perks of holding off from fully retiring is the money. Though you will earn less income working part time, what you make allows you to build a larger nest egg, and even delay when you collect your Social Security benefits. You can continue contributing to your retirement accounts and 401(k). Workers 50 or older also get additional contribution options, like catch-up contributions. Purpose Beyond the Paycheck You may still enjoy your job or love the social setting of your office. Scaling back your hours rather than retiring completely has numerous emotional and mental health benefits. It can be difficult
Factors to Consider Semi-retirement isn’t for everyone, and you have various factors to consider when deciding whether to stay in the workforce. If you are thinking of going part time out of necessity, look over your finances to determine how much you need to earn to cover your savings gap. It could also be a solid strategy to build more savings so you have a buffer for the unexpected or big plans like travel in the future. If you simply enjoy your work or want to pursue another passion, like freelance writing or running a small home business, semi-retirement could give you a flexible schedule to work with as you plan this exciting new time.
Take a Break
Right of way matters. Pedestrian safety laws are clear, but they require compliance:
• At crosswalks with signals, follow the pedestrian light. • At marked crosswalks without signals, drivers must yield. • In Virginia, pedestrians cannot step into traffic too close for vehicles to stop safely. • In D.C., drivers must yield to lawful pedestrians, even with a green light.
Following these rules isn’t about avoiding fines. It’s essential to protect your health, legal rights, and potential compensation if an accident occurs.
Get help after an accident. Our team serves clients across Maryland, Virginia, and D.C., advocating for your rights and
helping ensure insurance companies honor their responsibilities. Don’t let a moment of risk-taking cost you your recovery! Reach out to us today for guidance and support!
CANDY GOURD HAUNTING LEAVES
LIBRA MARIGOLD MOON OPAL
PUMPKIN SOUP TEACHERS TOUCHDOWN
For more information on jaywalking and liabilities, scan the QR code!
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MALLOY LAW OFFICES, LLC
7910 Woodmont Ave. #1250 Bethesda, MD 20814
(202) 933-7277 Malloy-Law.com
Inside This Issue
1
Every Day Is National Kick Butt Day at Malloy Law Offices
2
Reel in More Fish This Autumn
2
The Hidden Legal Consequences of Ignoring Pedestrian Signals
3
Slow Down Without Stopping Cold
Take a Break
4
The Making of Halloween
In the 19th century, Halloween crossed the Atlantic Ocean. During the Irish Potato Famine, Irish and Scottish immigrants brought their customs, like carving turnips into lanterns (from tales of “Stingy Jack”) and guising, where people dressed up and went door to door, sometimes reciting verses for food. In the U.S., pumpkins quickly replaced turnips for carving since they were more plentiful and easier to hollow out. From there, we got jack-o’-lanterns! By the 1920s–1930s, communities tried to tame Halloween’s mischievous side. Well-organized costume parties, neighborhood gatherings, and supervised trick-or-treating replaced prank-filled nights. The phrase “trick or treat,” which has roots in Scotland and Ireland, as well as medieval “souling,” was first documented in Ontario in 1917, and spread widely afterward.
How Halloween Evolved Across Centuries 2,000 Years of Spooks
Once upon a chilly autumn night, over 2,000 years ago, Celtic communities in what is now Ireland, the U.K., and northern France celebrated Samhain, which marked the end of the harvest and the start of winter. On the night of Oct. 31, they believed the veil between the living and the dead became thin, inviting spirits to visit. To honor, shield, or spook these visitors, they lit bonfires, wore animal skins, and made offerings, sometimes even reading each other’s fortunes by the fire. Fast forward to the 8th century, the growing influence of Christianity led Pope Gregory III to designate Nov. 1 as All Saints’ Day, bringing earlier pagan traditions into a Christian framework. The night before became known as All Hallows’ Eve, which, through centuries of friendly mispronunciation, evolved into Halloween. These early Christian traditions also included All Souls’ Day on Nov. 2, a time to honor the departed with costumes, parades, and soul cakes, representing some of today’s Halloween customs.
Then came the post-World War II boom, when Halloween became fully commercialized. The culture ushered in beloved media icons: "The Friendly Ghost" featuring Casper (1945–1959) and "It's the Great Pumpkin, Charlie Brown" (1966), and schools began hosting pumpkin- carving contests with prizes of candy corn.
By the 1970s, Halloween finally took off as the holiday we know and love today. Happy Halloween!
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