Safely Dispose of (Old) Private and Confidential Paper Without Breaking Your Shredder – Northern California

From Patelco Credit Union:

Protect your identity and un-clutter your living space!

Bring your old paper and electronic files (CDs and other discs) and we’ll dispose of them for you, free of charge. Our next shred days will take place at these branches:

  • Citrus Heights: Saturday, May 4 – 10:00 a.m. to 2:00 p.m. Map it >
  • Danville: Saturday, May 4 – 10:00 a.m. to 2:00 p.m. Map it >
  • Concord: Saturday, May 11 – 10:00 a.m. to 2:00 p.m. Map it >
  • Castro Valley: Saturday, May 18 – 9:00 a.m. to 1:00 p.m. Map it >
  • Roseville: Saturday, May 18 – 10:00 a.m. to 2:00 p.m. Map it >

Patelco – Patelco Shred Days

Organizational Assistance for Small Businesses in Northern Nevada

Generally, what you do within your own organization and market forces will determine how well your business performs and generates profits for the owners.  Typically, there are business tips to be found on any street corner, from Main Street, Wall Street or “Easy Street” (which is an actual street in Stateline, Nevada, believe it or not).

Can outside organizations help your business succeed?  Maybe.  Maybe not.  The Old Testament of the Bible advises, “Without counsel purposes are disappointed: but in the multitude of counselors they are established”.  (Proverbs, chapter 15, verse 22).  Along with consulting with your own family, mentors who know you well, and other individually-retained professionals, you may want to check out some of the offerings by some of the business start-up organizations, both private and publicly-funded.

For Northern/Western Nevada, most of these are based out of Reno, and some Carson City.  Without personal recommendation, we provide a list of some of these outfits:

Nevada’s Center for Entrepreneurship and Technology  Hosts mixers, seminars, issues awards and assists startups with an interface to angel investors.  Reno and Las Vegas chapters exist.

Nevada’s Procurement Outreach, or “POP” will educate the contracting business through seminars and workshops (sponsored or co-sponsored) and one-on-one discussions of a specific or general nature, will brainstorm for specific targets and mechanics of how the purchases are executed and provide bid information to its’ clients with buying offices and prime contractors.  The place to start to get in the state and federal bidding game.

Small Business Administration HUBZone program HUB means “historically underutilized business”.  Several rural counties in Nevada are HUBZone certified, including Douglas, Lyon, Mineral, Esmeralda, Nye and Lincoln.  Certain federal contracts give preferential treatment to businesses operating out of the HUBZone areas.

For more resources, check out this resource page built by Nevada’s Center for Entrepreneurship and Technology.  If you have any other suggested organizations, please let us know on our contact page.

Easiest Way to Hear U.S. Supreme Court Arguments

The IIT Chicago-Kent College of Law maintains an online database of arguments made before the United States Supreme Court since the Court started keeping audio back in 1955.  The site is called Oyez, which is French for “all of you listen”, a phrase repeated three times at the commencement of the session of the court.

A review of the website, indicates that all of the current opinions are archived, and the site itself says that it goes back to 1955.  The way the opinions are set up in tables and categorized according to justices on the court at the time, attorney advocates presenting arguments, year argued or decided, and legal issue, makes it manageable to search.

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Business Start-Up Orientation, by SCORE – 10/11/12 | Nevada Small Business Development Center

For Northern Nevada folks interested in starting their own business, to work at full-time or to supplement their income, SCORE is providing a free orientation in Carson City on October 11.  Pre-registration is required.

Business Start-Up Orientation, by SCORE – 10/11/12

Event: Business Start-Up Orientation, by SCORE – 10/11/12

Presenter: Tom Jablonski, SCORE Mentor – Northern Nevada SCORE Chapter 415

Description:

Target Audience: Individuals who want to start a business but don’t know how to get started.

  • Your Personal Goals – Having the Right Attitude
  • Testing and Evaluating Your Idea
  • Legal Structures and Issues
  • Marketing Your Product/Services
  • Financial Planning
  • Funding Your Business
  • Putting a Business Plan Together
  • Launching Your Business

Date: October 11, 2012

Time: 7:00pm-9:00pm

Location: Northern Nevada Development Authority office – 704 W Nye Lane, Suite 201

City: Carson City

Fee: Free

Registration: Online or (775) 784-4436 or (775) 784-1717

Business Start-Up Orientation, by SCORE – 10/11/12 | Nevada Small Business Development Center

After participating in the orientation, if you wish to explore incorporation Ballard Law Practice offers a half-hour, no fee consultation.

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Difference Between a Tax Lien Sale and a Special Assessment Tax Lien Certificate of Sale in Douglas County, Nevada

Often the term “tax lien” and “tax lien certificate” are used interchangeably.  However these are different types of legal instruments that convey different rights.  Douglas County, Nevada sells both types. Douglas County Nevada (which includes the southeastern portion of Lake … Continue reading

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How Much Can Investors Earn on Tax Lien Certificates in Nevada?

Douglas County Nevada (which includes the southeastern portion of Lake Tahoe , Stateline and Zephyr Cove and Minden/Gardnerville/Carson Valley) is one of very few Nevada counties that sells tax lien certificates. The Treasurer of Douglas County represents that, if the Certificate … Continue reading

Buying Tax Liens in Nevada – Storey County

Why are tax liens sold?

According to the Storey County Treasurer, “Storey County’s tax lien sales follow the guidelines set forth by the Nevada Revised Statutes (Chapter 361). All [real] property [] taxes must be collected in order to meet the budget of the county. Therefore, Tax Lien Sales are held to collect any unpaid taxes.”

The main population area and county seat is historic Virginia City.  However, the county is very sparsely populated.

How does Storey County calculate the Delinquent Payment Penalty? 

Penalties for delinquent property taxes are calculated at:

  • 4% for one installment that is delinquent
  • 5% for any two installments that are delinquent
  • 6% for any three installments that are delinquent
  • 7% for any four installments that are delinquent
  • Prior year’s delinquent property taxes are penalized at 10% annual interest.

At What Point does a delinquent tax turn into a tax lien?

Storey County indicates that “[a]ny property that continues to have delinquent taxes due at the end of April each year will be advertised as delinquent in the local newspaper. Should a property have continuing delinquent outstanding taxes at the end of three years the Treasurer will take a trustee deed to the property and begin the process to sell the property at a tax sale, according to the County Treasurer.

Tax sales are scheduled at least four months prior to being held, in order to allow property owners ample notice. The Commissioners then meet regarding these proposed properties for tax sale. Generally, once there are 10 or more properties, the county will hold a tax sale.

Therefore, the County treasurer indicates it will not hold a sale if there are only 1 or 2 properties that are delinquent.

As of July 17, 2012, Storey County does not have any lien auctions pending for real estate tax liens.

If you need further legal counsel on buying and perfecting real property tax liens in Storey County, Northern Nevada or elsewhere in Nevada and California, please contact our office to set up a brief complimentary consultation at (888) 838-1991.

Tax Liens in California – Tax-Defaulted Land Sales

According to the California State Controller’s office, “[p]roperty becomes tax-defaulted land if property taxes remain unpaid at 12:01 a.m. on July 1st.  Property that is tax-defaulted after five years (or three years in the case of property also subject to a nuisance abatement lien) becomes subject to the county tax collector’s power to sell that property in order to satisfy the defaulted property taxes. The county tax collector must attempt to sell the property within four years of becoming subject to sale.

So, in essence, the property could have been in default for 9 years before it goes up for sale.  With California municipalities begging for money, the need to sell these sooner, as allowed by statute, rather than later, is pressing more than ever.  However, certain political forces are at work to slow these down, which would be a wreck for cash-strapped municipalities.

Note that the sale is conducted by counties and not by the State of California.  This makes sense because county tax assessors and clerk/recorders are the ones responsible for the property rolls of each county.  This is not a function of the State.

The California State Controller’s office indicates that the county tax collector may offer the property for sale at public auction, a sealed bid sale, or a negotiated sale to a public agency or qualified nonprofit organization.

However, public auctions are the most common way of selling tax-defaulted property.  The auction is conducted by the county tax collector, and the property is sold to the highest bidder states the California State Controller’s office.

Pursuant to California Revenue and Taxation Code section 3700.5, the county tax collectors are required to notify the State Controller’s Office “not less than 45 days nor more than 120 days before the proposed sale.”

If you are seeking legal counsel about buying and perfecting tax liens in California, please contact Ballard Law Practice at (888) 838-1991.

What Happens When the Storage Space Bill is Not Paid, Part II

Many renters (meaning storage space occupants) wonder how long they can go without paying the bill before something negative happens.  The answer is 14 days from the day it is due, in Nevada.  Nevada law provides:

NRS 108.476  Unpaid charges: Termination of occupant’s right to use storage space; notice; imposition of lien.

    1.  If any charges for rent or other items owed by the occupant remain unpaid for 14 days or more, the owner may terminate the occupant’s right to use the storage space at the facility, for which charges are owed, not less than 14 days after sending a notice by verified mail and if available, electronic mail to the occupant at his or her last known address and to the alternative address provided by the occupant in the rental agreement…  .

So, there is not a large grace period here.  Really, it’s two weeks.  At that time the storage facility owner can send out a notice by verified mail and email, if the owner has one, notifying the renter of the issue.

The law provides that the right to use the storage space is terminated another 14 days after the owner sends the notice.

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What Happens When The Storage Space Bill Is Not Paid–Part I

Nevadans have seen some tough financial times.  Record numbers of defaults on houses have resulted in record numbers of foreclosures and property devaluation.  This also happens in the world of private property.  Homes and land are referred to as “real property”, and objects we keep are referred to as “private property”.

Someone storing private property such as antiques, files, photos, furniture, collectibles, antiques, cars, boats, RVs, clothing and more has to pay the monthly bill just like one has to do with the monthly mortgage, or else someone will take the property away.

Nevada statutes and the contracts renters fill out with the storage facility outline the respective rights, duties and obligations of both the storage facility and the renter.  If the renter does not pay the storage unit payment, a series of things occur.  Ultimately, if after the storage facility owner gives the proper notices, it can sell the contents of the storage unit to pay off the bill that continues to accrue for the term of the contract.

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