Tag Archive for: Camas

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Protect Your Profits: Don’t Gamble on Business Insurance

Being a business owner can be incredibly rewarding. It feels great to see an idea become a reality, increase your revenue, and create a job for someone who needs one. But, as all business owners know, with reward comes risk. There’s not much you can do to eliminate risk from your business, but you can get pretty close with the right systems.

A complete insurance system is one of the most essential systems your business can have. With the right policies and guidance, you can safeguard your personal and business assets against unexpected threats like lawsuits, property damage, and employee injuries, providing you with a sense of security and peace of mind.

In this article, we’ll look at the different types of business insurance, what’s legally required, and how to choose the best coverage for your needs. Read to the end, and I’ll show you how to get the proper support to protect your business.

Understanding Your Legal Obligations

Before you start exploring the different types of business insurance, understanding what’s required by law can provide a sense of relief. Depending on where you live and the nature of your business, you may be legally obligated to carry certain types of insurance. 

Federal law mandates that employers carry workers’ compensation, unemployment insurance, and disability insurance. These coverages are essential in protecting your employees and ensuring they receive the necessary support if they’re injured or unable to work due to a job-related issue.

Workers’ Compensation. This insurance covers medical expenses and lost wages for employees who get injured or sick due to their work. It’s a must-have if you employ three or more workers, whether they’re full-time or part-time.

Unemployment Insurance. This coverage provides financial support to employees who lose their jobs through no fault of their own. It helps them bridge the gap while they search for new employment.

Disability Insurance. Disability insurance protects employees who can’t work due to a non-work-related injury or illness. It’s another layer of protection that’s crucial for both you and your employees.

Beyond federal requirements, each state has its own rules regarding business insurance. For example, if you use vehicles for business purposes, you may be required to carry commercial auto insurance. This is only one example; state laws can vary widely and be complicated. So, working with a lawyer is essential to ensure you comply with the law. As your Business Advisor, I can help. Keep reading, and I’ll show you how to book a call with me to learn more.

Exploring Common Types of Business Insurance

Once you’ve covered the basics of what’s required by law, it’s time to think about additional insurance that can help protect your business from unexpected risks. As a general rule, you should consider insuring against risks that you wouldn’t be able to cover out of pocket. Here are some of the most common types of business insurance:

General Liability Insurance. General liability insurance is a must for any business. It covers many potential risks, including bodily injury, property damage, medical expenses, and legal costs if someone sues your business. For example, if a customer slips and falls in your store, general liability insurance can help cover their medical bills and legal fees if they sue.

This insurance also covers claims of libel, slander, and other personal injuries that might arise from your business operations. General liability insurance acts as a safety net, protecting you from financial loss due to unforeseen accidents and legal challenges.

Product Liability Insurance. You’ll want to consider product liability insurance if your business involves manufacturing, wholesaling, distributing, or selling products. This coverage protects you from financial loss if a product you sell causes injury or harm. For example, if you sell a toy that ends up being a choking hazard, product liability insurance can cover the costs of a lawsuit or any settlements that arise.

Even with the best quality control, defects can happen. Product liability insurance ensures that one mistake doesn’t financially ruin your business.

Professional Liability Insurance. Professional liability insurance is vital for businesses that provide services rather than products. Also known as errors and omissions insurance, this coverage protects you from financial loss due to malpractice, errors, or negligence in your services.

For instance, if you’re an accountant and make a mistake on a client’s tax return, leading to penalties from the IRS, professional liability insurance can help cover the cost of any legal action or settlements. This insurance is essential for service-based businesses where even a tiny error can have significant financial consequences.

Choosing the Right Insurance

Now that you know about the different types of business insurance, how do you choose the right one for your business? Here are four steps you can take:

Step 1: Assess Your Risks

The first step in choosing the right insurance is assessing your business’s risks. Consider the accidents, natural disasters, or lawsuits that could impact your business. For example, if your business is in an area prone to flooding, you’ll want to consider commercial property insurance covering flood damage.

Step 2: Find a Reputable Licensed Agent

Once you’ve assessed your risks, it’s time to find a reputable commercial insurance agent. A good agent will take the time to understand your business and recommend coverage that fits your needs. They will guide you through the complex world of insurance, ensuring you make informed decisions.

Step 3: Understand the Policy Terms

Insurance policies can contain complicated language, but understanding the terms can empower you. Don’t be afraid to ask questions and take the time to understand the terms of each policy, so you’re clear on how coverage works in different scenarios. 

Step 4: Reassess Your Coverage Every Year. As your business evolves, so do your risks. It’s important to review your insurance coverage annually to ensure it still adequately protects your business.

As your business grows and evolves, so will your insurance needs. Each year, review your coverage to ensure it will work when you need it to. For instance, if you’ve purchased new equipment, expanded your operations, or hired more employees, it’s time to update your insurance. Regularly reassessing your coverage with a trusted advisor ensures that you’re always protected, no matter how your business changes. And as your Business Advisor, I’m here to help. 

Business insurance is an investment in the future of your company. By understanding your legal obligations, exploring the various types of insurance available, and following the steps to choose the right coverage, you can protect your business from unexpected risks. Whether it’s a slip-and-fall accident, a product defect, or a professional error, the right insurance policy can be the difference between weathering a storm and facing financial disaster.

Secure Your Business’s Future with the Right Guidance

As your Business Advisor, I know how crucial it is to shield your business from these unexpected risks. That’s why I offer a comprehensive Business Breakthrough Session, where we’ll evaluate your current coverage, identify gaps, and create a strategy to ensure your business is fully protected. Together, we’ll build a safety net that allows you to grow your business confidently, knowing you’re well-equipped to handle anything that comes your way.

Book a call to get started and secure the future of your business. Contact us today!

This article is a service of Res Nova Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning™ Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning™ Session.

The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

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What Exactly is Travel Insurance and Why Do You Need It?

Planning a big trip is exciting. If you’re considering overseas travel to a destination wedding or to a cruise port, you and your luggage will go through a variety of steps. If your luggage ends up chasing you on a long tour, you’re going to need replacement clothing and toiletries.

What Travel Insurance Is and What it Normally covers

Travel insurance is a great investment if you’re planning to travel outside the country. Your health insurance may not cover all costs of an accident or illness overseas, but travel insurance can. If you’re injured before a trip, such as a cruise, you can get a full refund even if the cruise line or airline company doesn’t allow it.

If you get to your destination but your luggage doesn’t, you can get that loss covered while you’re out without waiting for the 21 day loss period. If you need to replace more than basic vacation wear and toiletries, extra coverage is a great idea.

Benefits of Having Travel Insurance

If you’re planning a big trip after retirement, travel insurance can actually protect your budget before and after your trip. Should you start the trip with no troubles and find that an emergency back home requires you to cut your trip short, travel insurance may allow you to gain a partial reimbursement.

Your ultimate destination may have a weather event that causes travel delays. If you need an extra night of hotel coverage or a bit more room in your budget for restaurant meals, your travel insurance can cover it.

Use All the Travel Insurance Services

Travel insurance policies often come with perks that your regular insurance company would never need to offer. Review your policy to see if there’s a concierge contact number. Your travel insurance may offer an app that includes support specific to being away from home.

Those planning to travel overseas may also be worried about a language barrier. There are many travel insurance plans that offer multilingual support. Those planning the trip of a lifetime may be ready to commit to a travel insurance that will cost 10% of their total travel costs. If language is a big concern for you, take the time to check out travel insurance providers online and over the phone. In the event of an injury or illness, you want to be confident that you can easily communicate your needs.

Cases Where Travel Insurance May Not Be Necessary

If your auto insurance offers coverage for your rental car, you may not need to use the secondary coverage provided by your travel insurance. Similarly, if your medical insurance will completely cover the cost of an accident or illness away from home, you won’t benefit from making a claim against your travel insurance.

For those planning a long road trip, travel insurance may not be necessary. If you’re doing the driving and using your own car, you may want to purchase a different form of insurance, such as a thorough car check-up or new tires. However, if you’re planning a road trip that includes booking multiple hotel rooms and putting down deposits, trip insurance may be a worthwhile investment.

Your trip is worth protecting with travel insurance. As a general rule, travel insurance is worth the money if you’re putting down a deposit on your travels. If you have any health concerns that can impact your travels, buy the insurance. If you’re traveling during a season of weather uncertainty or to a region with questionable weather events, travel insurance is a good investment.

By: Katherine Robinson, a writer for Generali Travel Insurance

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The Secret to Effective Networking: It’s Not About You

By Res Nova Law Firm

As a business owner, networking may be a necessary evil. You have to get your name out there by meeting other people, but does it have to be so uncomfortable? Making small talk and figuring out how to promote yourself and your business without sounding cringy is challenging for most of us. 

If you’ve felt this way before, you’re not alone. A recent Forbes article discusses the discomfort in the American networking style and contrasts the American way with how Italians network. The American approach to networking often seems forced and self-serving. However, the Italians network in a way that allows business connections to form naturally, based on genuine relationships and a desire to help others, which is easier and more satisfying. So, let’s explore how you can promote your business by networking more effectively with a few strategies from our friends across the Atlantic. 

The Problem with American-Style Networking

You’ve probably been there. You walk into a crowded room, name tag slapped on your chest, and immediately feel the pressure to “work the room.” Everyone around you is on a mission to collect as many business cards as possible, and it feels superficial or like a waste of time.

But here’s the thing: this approach rarely leads to meaningful connections. You might walk away with a stack of cards, but how many people will you remember? And more importantly, how many of them will remember you?

The American style of networking often focuses on quantity over quality. You’re taught to elevator pitch through conversations, always looking for what others can do for you. It’s exhausting, and frankly, it doesn’t work as well as you might hope. 

The Italian Approach: Building Relationships, Not Contact Lists

Now, picture this: You’re at a small café in Italy. You strike up a conversation with the owner about the local olive harvest. Before you know it, he’s introducing you to his cousin, who runs an import-export business. You’re not trying to network – just having a pleasant conversation. Yet somehow, you’ve made a valuable business connection.

This is the essence of Italian-style networking. It’s not about collecting contacts; it’s about building relationships. Italians don’t see networking as a separate business activity. Instead, it’s woven into the fabric of daily life. They help others because it’s the right thing to do, not because they expect something in return.

The phrase “I’ve got a guy” is common in Italy. Need a plumber? Your neighbor has one. Looking for the best local wine? The shopkeeper has one. This network of personal recommendations is built on trust and genuine connections. And guess what? It’s incredibly effective for business, too.

How to Network Effectively 

How can you bring this Italian flair to your networking efforts? Here are some key strategies to keep in mind:

Focus on Giving, Not Getting. The next time you’re in a networking situation, flip the script. Instead of thinking about what others can do for you, ask yourself how you can help them. You may know someone who’d be perfect for their project, or you have experience that could solve a problem they’re facing.

Offer Something of Value, Deliver it, Then Follow Up. In the same vein, offer something of value to someone else. Then, deliver the thing of value immediately and follow up after. The value should be related to your business or your services and could be a free book, report, or service. Then, once you’ve delivered the valuable offer, continue to add value until they are ready to take the following steps. One example may be including them on your house list and sending a weekly email newsletter. But make sure your newsletter is chock-full of exciting and valuable content people want to read!

By focusing on giving value first, you create a positive impression. People remember those who helped them and are likely to return the favor. Plus, it just feels good to help others!

Take Your Time and Build Genuine Connections. In the Italian approach, relationships aren’t built in a single conversation. Take the time to get to know people beyond their job titles. Ask about their interests, their families, and their dreams. Share your own stories and experiences.

This doesn’t mean you must become best friends with everyone you meet. But by showing genuine interest in others as people, not just potential business contacts, you create more profound, meaningful connections. These are the relationships that lead to long-term business opportunities and partnerships.

Expand Your Network Organically. Instead of limiting your networking to formal business events, look for opportunities to connect with people in everyday situations. Join a local sports league, volunteer for a community project, or become a regular at your neighborhood café.

As you build relationships in these settings, you’ll naturally expand your network. And because these connections are based on shared interests or experiences, they’re often more substantial and genuine than those formed at traditional networking events.

The Long-Term Benefits of Effective Networking

Adopting this approach might feel slow at first. You won’t walk away from every interaction with a new client or business deal. But over time, you’ll build a network of people who know, like, and trust you. And that’s incredibly valuable in business.

Think about it: when you need a service or product, who will you choose? A company you found through a Google search or one recommended by a friend you trust? Effective networking puts you in the position to be that trusted recommendation.

Moreover, this style of networking is more sustainable and enjoyable. You’re not constantly “on,” trying to sell yourself. Instead, you’re building authentic relationships and helping others. It’s a more natural and less stressful way to grow your business connections.

So, it’s time to ditch the aggressive, self-serving approach to networking. Instead, take a page from the Italian playbook. Focus on building genuine relationships, helping others without expecting immediate return, and letting your network grow organically. You might collect fewer business cards, but you’ll create something far more valuable: a network of people who want to see you succeed.

The Advisor You Need When You’re Ready to Build Your Business

As your Business Advisor, I know your marketing and networking strategies are crucial to your business success. I also understand that when you’re trying to build a business, you may be so busy networking that you neglect the other important parts of your business, like your essential legal, insurance, financial, and tax systems. But without these systems, your business can suffer, making your networking efforts fruitless.

That’s why I offer a comprehensive Business Breakthrough session. In this Session, we’ll analyze your current business foundations and develop a plan to address gaps. Together, we’ll ensure that your business is built on a solid foundation so you’re free to do what you do best—focus on growing your business.

Contact us today!

Res Nova Law

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Camas Public Library to Host Annual Saturday Spooktacular October 19

Camas, WA — The Camas Public Library is thrilled to announce the return of its highly anticipated annual Saturday Spooktacular, October 19 from 6 pm to 8 pm.

All ages are invited to participate in this free two-hour event. Activities include crafts, Boo Bingo, scary stories, and a Haunted Library. Little ghouls and goblins can hunt for a limited-edition Reading Dragon card, visit the preschool Pumpkin Playground, or stop by the puppet show.

“The community is in for a treat with an array of activities designed for all ages. Whether you’re looking for a classic scare in the Haunted Library or for festive crafts, this year’s celebration is set to be a fantastic blend of spooky and fun.” said Connie Urquhart, Library Director.

The Library will close at 5 p.m., in preparation for the event. The Haunted Library is recommended for older school-aged children and teens. Costumes and flashlights are encouraged for all ages.

Camas Public Library’s Saturday Spooktacular is funded by the Friends & Foundation of the Camas Library. No registration is required to attend.

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Camas-Washougal Community Chest Begins 2025 Fundraising Campaign

Camas, WA — With the goal of raising $126,000 for their 2025 grants, the Camas-Washougal Community Chest has begun their annual fundraising drive. The non-profit group is continuing their partnership with the Camas–Washougal Rotary Foundation and the Camas Lions Foundation to provide additional grant funds. The combined monies are to fund grants to local non-profit organizations that serve Camas and Washougal residents in need; at-risk youth programs, address natural resource conservation, foster education, and enhance diversity, equity and inclusivity.

The Camas-Washougal Community Chest 2024 Grant Highlights:

CWCC, CWRF and CLC joint 2024 campaign raised $134,000 and distributed 34 grants including:

  • Inter-Faith Treasure House, a local food bank
  • AKIN (formerly Children’s Home Society of WA), family support programs
  • Family Promise, help needy families keep their home or find a new one
  • Lower Columbia Estuary Partnership, habitat improvements
  • IMPACT, funding grocery gift cards for distribution to low-income families
  • Washougal’s Songcraft Festival, provide funding to participating artists
  • Watershed Alliance of SW WA, three Cottonwood beach cleanups funded

2024 FUNDRAISING MAJOR DONORS:

  • Georgia Pacific employees
  • Georgia Pacific Foundation
  • HP employees
  • HP Corporation
  • Camas & Washougal School District employees
  • City of Camas & Washougal employees
  • Port of Camas-Washougal employees
  • Watercare Industrial Services
  • Columbia Rock Products (Sauer Holdings LLC)
  • Windermere Foundation,
  • Tidland Christian Development Fund
  • Hinds Charitable Fund
  • Many other individuals and businesses

For more details, visit: camaswashougalcommunitychest.org

APPLICATIONS FOR GRANT FUNDING:

  • Must be a 501(c)(3) non-profit organization
  • Must provide services in Camas and/or Washougal
  • Provide service in one or more of the following areas:
    • education, youth activities
    • aid to people with special needs
    • natural resource conservation
    • health and welfare programs
    • crisis and emergency services
    • diversity, equity and inclusivity
  • Fill out the 2025 application form on CWCC’s website after October 15, 2024
  • 2025 grant applications due December 15, 2024
  • Applicants notified in March 2025 regarding level of grant funding, if any
  • Quarterly Grant payments begin in March 2025

Mailing Address

PO Box 960, Camas, WA 98607

[email protected]

CamasWashougalCommunityChest.org

facebook.com/camaswashougalcommunitychest/

Community Chest
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Strategies to Bounce Back After Business Failure

Starting a business is tough; sometimes, despite all your best efforts, things don’t go as planned. When your business fails, it can feel like the end of the road. But here’s the good news: failure isn’t the end. It’s an opportunity to learn, grow, and come back stronger. Many successful entrepreneurs now at the top of their game have failed before finding their winning formula. If your last business didn’t work out, don’t lose hope. Here are five essential strategies to bounce back and set yourself up for success.

Strategy 1: Reflect and Learn From Your Mistakes

Understanding what went wrong is the first step to getting back on your feet. It’s easy to get caught up in the blame game, but this is the time to take a hard, honest look at your business. What mistakes did you make? Were there signs you ignored? Maybe the market wasn’t right, the timing wasn’t right, or perhaps you overspent on things that didn’t matter. Whatever the case, reflecting on what happened can help you avoid making the same mistakes in the future, empowering you to take control of your next venture.

What we see most often is that business owners fail because they need to understand the best ways to manage their time, energy, attention, and money. You can always make more money with the right offer to the right people at the right time. So inventory your failure now: did you have the right offer? Were you making it to the right people? And, if not, how can you solve that before your next business venture?

Strategy 2: Rebuild Your Confidence and Mindset

After a failure, your confidence might take a hit. You might start doubting your abilities, wondering if you’re cut out for business. Feeling this way is normal, but you can’t let it hold you back. Rebuilding your confidence is crucial for your next steps. 

Confidence comes from systems and structure. Do you need to learn to use your calendar to focus on what’s most important? Do you need to learn sales, cash flow management, or marketing? Dial in the clarity around the foundations of great business and commit to understanding what you can do differently next time to generate what you need, when you need it, in alignment with your values.

Your mindset is critical. Instead of seeing failure as an end, view it as a stepping stone. It’s also not a reflection of who you are. Failure is just a thing; it’s neutral. It doesn’t say anything about you or necessarily means you don’t have the temperament or skills required to succeed. So stay optimistic and believe that success is possible with the right approach. Reading books or listening to podcasts by successful entrepreneurs who’ve bounced back from failure can be an excellent focus, filling you with hope and optimism for your next venture.

Strategy 3: Plan Your Next Move Carefully

With lessons learned and confidence restored, planning your next move is time. This isn’t about jumping into another business immediately. It’s about taking the time to think things through and set yourself up for success.

If you don’t know what business you want to create next, research different business ideas. What’s in demand? What are people willing to pay for? Consider your passions and strengths—what do you enjoy doing, and how can that be turned into a business? Look for gaps in the market where you can offer something unique.

Once you have a solid idea, create a detailed business plan. This should include your target market, pricing strategy, marketing plan, and financial projections. A well-thought-out plan can help you avoid the pitfalls of your last venture and give you a clear roadmap. If you need help with this, read to the end of this article, and I’ll show you how to book a call with me for support.

Strategy 4: Secure the Right Support and Resources

No one succeeds in business alone. One of the biggest lessons from a failed venture is realizing the importance of support and resources. This time, ensure you have the right people and tools in place.

Start by building a solid network of advisors, mentors, and fellow entrepreneurs. These connections can provide guidance, open doors to new opportunities, and offer emotional support when things get tough. Don’t be afraid to ask for help—successful people always do it. 

I can be a trusted advisor through all stages of your business. When you work with me, I will support you, whether with your legal, insurance, financial, or tax-related systems. I’m also here for counseling and advice. And if I don’t know the answer to your question, I will guide you to the right people who can.

Speaking of financial systems, evaluating which financial resources you need is essential. Do you need to secure outside funding? If so, explore different options, such as loans, grants, or investors. Be realistic about how much money you need and have a clear plan for using it. Remember, having the proper support and resources can make all the difference in whether your next business thrives or struggles.

Strategy 5: Stay Resilient and Keep Moving Forward

Success doesn’t happen overnight, and challenges will come along the way. This is entirely normal. The key is staying resilient and moving forward, even when things get tough.

Setbacks are expected for business, but how you respond to them will determine your success. If something isn’t working, don’t be afraid to pivot or try a new approach. Stay flexible and open-minded, and always be willing to learn and adapt.

It’s also important to celebrate small wins along the way. Acknowledge your progress, no matter how small, and use it as motivation to keep going. Remember why you started first and keep your eyes on the prize.

Finally, take care of yourself. Running a business can be stressful, and it’s easy to burn out if you’re not careful. Ensure you take time to rest, recharge, and maintain a healthy work-life balance. Burning the candle at both ends is a 

Bouncing back after a business failure isn’t easy, but it’s possible. By reflecting on your mistakes, rebuilding your confidence, planning carefully, securing the right support with my help, and staying resilient, you can set yourself up for success. Failure isn’t the end—it’s just the beginning of a new chapter. With the right mindset and approach, your next business venture could be the one that takes off. Keep moving forward, and don’t give up on your dreams.

Your Trusted Advisor For All Business Ups and Downs

I understand the damaging impact setbacks can have on you and your business. That’s why I offer a comprehensive Business Breakthrough Session, during which we’ll analyze your business foundations and ensure they have the right foundations to succeed. 

Remember, bouncing back from failure is not just about avoiding past mistakes; it’s about building a more substantial, more resilient business that can thrive in the face of challenges. Working together can turn your setbacks into valuable lessons and create a roadmap for long-term success.

Book a call to learn more. Contact us today!

This article is a service of Res Nova Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning™ Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning™ Session.

The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

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Camas City Council Member Svilarich Arrested, Faces Felony, Misdemeanor Charges

Camas, WA — Camas Police records reveal the details that led to the September 13th arrest of Camas City Council member, John Svilarich. The City of Camas is directing questions on the incident to the police report and county prosector’s office.

Svilarich, 66, according to the police records, was charged with two crimes (reckless endangerment and aiming/discharging a firearm) following a verbal altercation with a fisherman and a pedestrian that occurred on August 31 along the Washougal River Greenway trail in Camas.

The Camas Police Department said the charges against Svilarich stem from a disturbance that “began as a verbal argument between a fisherman along the river, and a pedestrian who was walking along the greenway trail and over the pedestrian footbridge.”

In a document filed by Camas Police detective Gary Manning, Camas Police were dispatched to the scene at the trail just before 8 am on Saturday, August 31 following a 911 call. Daniel Beaudoin, 46, of Portland, reported that a man — allegedly Svilarich — threw a rock at him from a pedestrian bridge and “pointed a firearm at him soon after.”

Police say Beaudoin was fishing when Svilarich, who was walking the trail with John Neumann, allegedly confronted Beaudoin because he threw a cigarette butt on the ground.

“They both yelled and cussed at each other,” police said, adding that Svilarich and Neumann “continued on the trail, north of the bridge” following the verbal altercation . The police report said that when Svilarich and Neumann returned heading south over the pedestrian bridge, Beaudoin told police that Svilarich threw a rock in his direction.

“During this pass (over the bridge), Svilarich was observed, by another witness, looking over the bridge railing two times,” the police report said. “A rock, approximately 5 to 8 inches was thrown or dropped by Svilarich off the bridge, which is at a height of approximately 50 feet above the river” and landed “in close proximity to Beaudoin.”

Beaudoin walked to the trail and “verbally confronted Svilarich for throwing the rock.”

And the arguing continued with both men standing at least 40 feet from one another. The police report said Svilarich allegedly “pulled out a black firearm pistol and pointed it in the direction of Beaudoin.”

The fisherman told police he ran back to the river’s edge and that “Svilarich moved down the main trail path in the direction towards where Beaudoin had been standing, shifting the firearm between having the firearm pointed at Beaudoin and pointing at the ground.”

Camas Police confirmed that Svilarich was carrying a black Walther 9mm semi-automatic handgun “concealed in his back right waistband of his pants.” 

Svilarich does have a concealed-carry license.

In the report, Camas police said “originally [Svilarich] denied having a firearm, then stated he had one but did not display it.”  Svilarich later told police he had pulled his firearm but had not pointed it at Beaudoin but, instead, “had it at ‘low ready’ to protect himself.”

Svilarich also admitted to throwing the rock off the pedestrian bridge “but stated he did not know Beaudoin was in the vicinity of where it landed.”

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The Role of Education in the Future of Agriculture

Today, when facing challenges associated with food insecurity, climate change, and sustainable development, education will play a major role in the future of agriculture. From implementing new technologies to promoting sustainable practices, education is the backbone behind people making advancements to ensure we have food, our environment stays healthy, and the economy continues to grow. Education will be the key as we unfold the future of agriculture.

Agriculture And Our Future

By 2050, there will be 9 billion mouths to feed worldwide. However, due to urban expansion and problems caused by climate change, agricultural land is suffering reductions. That is why sustainable agriculture is vital to our future.

Benefits of Sustainable Agriculture

Sustainable agriculture is a continuous learning process. Farmers and others need to change their methods to reduce their role in harming the environment. At the same time, they need to ramp up food production. This is where sustainable agriculture enters the picture.

There are many benefits to sustainable agriculture. One benefit is the reduction of fuel consumption by planting more perennials. Using crops that come up each year reduces the amount of machinery used. No-tilling farming is a technique that enables the needed carbon in the soil instead of releasing it into the environment. Reducing the number of chemicals and fertilizers to kill pests and weeds through crop rotation is also a benefit. The best part about these practices is they are inexpensive to implement. Farmers in the United States and developing nations worldwide can do it.

Education And The Future Of Agriculture

Agriculture has a long history in the United States, filled with ups and downs. In the 1800s, agricultural education was part of most people’s daily lives. Children raised on farms. The school calendar revolved around the farming schedule. Children did not attend school in the fall and spring because they worked on their families’ farms.

Throughout the early years, the emphasis on agricultural education began to decline. By the 1920s, it was no longer part of the educational curriculum. It did not return to the classroom until 40 years later. Schools began receiving new materials. The United States Department of Agriculture started to help schools create programs relevant to their communities in the early 1980s.

Why Is It Important?

If we do not take the time to teach today’s children about agriculture, what happens to future generations? Teaching children where their food comes from leads to self-awareness.

My teaching children how to grow a vegetable garden or raise chickens for eggs gives them a sense of power. They may not stop the problem of food insecurity, but they can do something to ensure that their families have food.

How do future farmers learn about agriculture jobs if they do not know they exist? Securing the next generation of agriculturalists is necessary. If there are not enough farmers and others within the industry, the price of food will soar. Education is needed to continue to keep food costs reasonable.

Our economy depends on agriculture. The agriculture industry plays a role in sustaining our economy. The more people understand how the industry works and how to maintain it, the more it will continue to benefit our economy.

Learning About Sustainability Is Not Just For Kids

Educating children on agriculture and sustainability is vital to our planet’s future. However, adults can certainly do their share, too. Major changes do not have to happen all at once. Start with some simple changes. For example, stop using single-use plastics. Instead, purchase reusable water bottles, coffee cups, bags, and reused plates and utensils. One reusable water stops approximately 1500 plastic bottles from being tossed away.

Recycling is a fun way to get the whole family involved. Check locally for recycling centers. Consider upcycling; it can lead to a lot of fun. For example, an empty paper towel tube can be the start of a caterpillar art project.

Conserve Water And Energy

Simple things like washing full loads of laundry, turning lights off, unplugging stuff, and adjusting the thermostat can help to conserve energy. It can save you money, too. To conserve water, take shorter showers and turn off the water when shaving and brushing your teeth.

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LDS Church Releases Vancouver WA Temple Exterior Rendering

Salt Lake City, UT — The Church of Jesus Christ of Latter-day Saints released a rendering of the Vancouver Washington Temple Tuesday.

The architectural rendering release comes less than a year after the church announced a temple would be built in the area, and just six months after the site location was announced. The temple is designed to serve the needs of church members in the Vancouver area in and around Southwest Washington.

Projected as a multistory temple of approximately 43,000 square feet, the Vancouver temple will sit on a 15.11-acre site at the northwest corner of the intersection of SE 20th Street and SE Bybee Road in Camas, Washington, just east of Vancouver.

More information on the new temple — including a date for its groundbreaking — will be released at a later date.

Washington is home to more than 281,000 Latter-day Saints in nearly 490 congregations and four operating temples — the Seattle Washington Temple (dedicated in 1980), the Spokane Washington Temple (1999), the Columbia River Washington Temple (2001) in Richland in the south-central Tri-Cities area, and the recently dedicated Moses Lake Washington Temple (2023). A temple for Tacoma was announced at the faith’s October 2022 General Conference.

Vancouver Temple

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Celebrity Estate Plans Series, Part 4 of 4: Elvis and the Scammers

For the last few weeks, we’ve discussed celebrities and how they planned for their deaths. We started with the King of Pop, Michael Jackson, so ending our 4-part series with the King of Rock, Elvis Presley, seems fitting. 

Why discuss a man who’s been deceased since 1977? A recent case involving Graceland serves as a stark reminder of the audacity of scammers. This case is a wake-up call for property owners and potential heirs. Let’s delve into this unusual tale to understand how you can assert control over your assets and protect them from unscrupulous actors.

How It Went Down

You might think that a well-known property like Graceland would be untouchable, but that didn’t stop a mysterious company from trying to steal it. A group calling itself Naussany Investments and Private Lending claimed that Graceland’s owners owed them millions from an old loan. They even set a date to auction the property to the highest bidder. But there was just one problem – the whole thing was a scam.

Riley Keough, Elvis’s granddaughter and the current owner of Graceland, quickly fought back. She filed a lawsuit, saying her mother, Lisa Marie Presley, never borrowed money from this company or put Graceland up as collateral. The courts agreed, stopping the sale just in time. Keough’s swift action got the attention of the Tennessee Attorney General’s office, which then turned over the case to the FBI, and a federal investigation is pending.

Unfortunately, there’s been a rise in these types of scams, and they aren’t just targeted at the rich and famous. Scammers can take advantage of those who have never had a top-10 hit. A Wall Street Journal article published on June 3, 2024, breaks down a typical scenario, which is on point:

“Here’s how it works: A fraudster targets your house and assumes your identity, using tactics similar to identity thieves to acquire your personal information and create fake IDs. He or she then tries to sell it to an unsuspecting buyer by executing a forged deed in your name. An alternative scam is to submit a mortgage application in your name to get cash out of the house.”

Often, people don’t find out this has happened until the sale is complete, and by then, it may be too late to get the property back—or at least it would be very time-consuming and costly. Some people cannot fight back because they don’t have the financial resources to do so, and the results can be utterly heartbreaking.

If it can happen to Graceland, it can happen to anyone. So, how can you identify these scams before they escalate? The key is knowledge. Equip yourself with the right information to spot these scams before they become a threat.

Red Flags You Can’t Ignore

When you’re dealing with property, loans, and estate planning, keep your eyes peeled for these warning signs:

Paperwork problems: The documents in the Graceland case had many issues. The dates didn’t match up, the signatures looked fishy, and the notary said she never met Lisa Marie Presley. Always read the fine print and question anything that looks off. You should also consult with a lawyer immediately if you suspect something fishy. A lawyer can confirm your suspicions and help you take action right away. 

Ghost companies: According to the news articles, Naussany Investments was hard to pin down. They had no actual address, just P.O. boxes, and weren’t registered as a business anywhere. Do your homework before you deal with any company, especially for something as important as a loan. Look them up online, check with the Better Business Bureau, and be bold and ask probing questions.

Timing: The scammers waited until after Lisa Marie Presley passed away to make their move. Be extra cautious about any claims against a deceased person’s estate – fraudsters often target families when they’re most vulnerable. 

Steps You Can Take to Protect Yourself

Understand that you can take proactive steps to safeguard yourself and your loved ones before any warning signs appear. Here are some practical measures to ensure the protection of your property.

Keep good records: Make sure all your important documents are organized and easy to find. This includes property deeds, mortgage papers, and any loans you’ve taken out. If someone makes a false claim, you’ll have the proof to fight back as quickly as Riley did. Regular review and updates of these documents are crucial.

Be skeptical: It is if something sounds too good to be true. Be wary of unsolicited offers or demands, especially if they come with pressure to act quickly. 

Stay in the loop: If you’re inheriting or managing property for someone else, know what’s happening. Are the taxes paid? Is there a mortgage? The more you know, the harder it is for scammers to pull a fast one. Riley Keough was able to take action quickly enough to stop the sale because she was paying attention. 

You also want to make sure someone else is paying attention to your affairs in case you become incapacitated. In last week’s article, we discussed what can happen if you become incapacitated and you haven’t planned for it. If you missed it, here’s a sneak peek: it took months for Jay Leno to be able to manage his wife’s financial affairs once she was unable to herself. And as we’ve seen with the Graceland case, months could mean the difference between keeping your property and losing it. If you haven’t planned for your incapacity, book a call with me using the scheduling link below, and let’s talk about how we can get that taken care of for you.

This brings us to the most important thing you can do to protect yourself. Incapacity planning isn’t enough. You need a solid and thorough Life & Legacy Plan.

A Solid Estate Plan is the Key

A solid estate plan creates a legal framework that’s much harder for fraudsters to penetrate. The type of planning I do, called Life & Legacy PlanningⓇ, is solid and thorough. It covers all possible scenarios so you and your family are prepared for anything that can happen after your death or during your incapacity. It includes an inventory of all your properties and other assets, so you know exactly what you have, and your loved ones will also know if they need to step in and help. A Life & Legacy Plan also includes regular reviews and updates so your plan stays current with changing laws and circumstances, closing potential loopholes that scammers might exploit. 

Finally, we can help you ensure your loved ones are aware of these risks and familiar with your estate plan. As we’ve learned from Elvis’s estate, the more eyes watching out for fraud, the better.

How We Help You Not Fall Victim to a Scam

Scams are rising, and the best time to protect yourself is now. We help you create a Life & Legacy Plan so that your loved ones stay out of court and conflict and have a plan that works when you (and they) need it to. Once you’ve created your plan, you can rest easy knowing your wishes will be honored, your loved ones cared for, and your property protected. 

Schedule a complimentary 15-minute consultation to learn more.

Contact us today!

This article is a service of Res Nova Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning™ Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning™ Session.

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