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Mind Your Own Business
November, 2014 - Issue #121
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Relationships at the Core of Mission Valley's Business Banking
Mission Valley Bank is a full-service, independent community business bank locally owned, community minded and relationship driven. Offering financial solutions many community banks don't - SBA financing, accounts receivable lending, merchant bankcard processing and equipment financing, just to name a few - Mission Valley Bank has grown to more than $255 million in assets since its founding in 2001.
What sets Mission Valley Bank apart from other banks is the dedication to customers' success.

Business bankers work with clients to build long-term relationships and workable solutions. In fact, the MVB Team has earned the reputation as Most Trusted Advisors - Business Banking by the San Fernando Valley Business Journal for four years in a row (2011, 2012, 2013 and 2014).

As a Preferred SBA Lender, Mission Valley Bank has access to capital and money to lend. Their business bankers have a keen understanding of funding options available to businesses in today's market, as well as extensive knowledge of the local business climate.

Mission Valley Bank's local roots run deep. The management team is actively involved as volunteers within the community - both economic development and charitable organizations - to help enhance quality of life and business opportunities throughout the Santa Clarita Valley.

If you have questions about SBA Lending, accounts receivable financing, equipment financing, merchant bankcard processing, commercial real estate lending or full-service business banking, or just curious as to how a different banking relationship could positively impact your bottom line, call an MVB Business Banker today.

Mission Valley Bank Valencia and Centre Pointe Business Banking Offices
775-4113


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Safe Driving Means being
Extra Cautious for Pedestrians

Santa Clarita was recently touched by another tragic passing of a pedestrian. This is another heartbreaking reminder to drive sober, without distraction, never when over-tired and with your cell phone in a place where it won't be tempting to text.

Pedestrians are most vulnerable to serious injuries, including catastrophic injuries, including brain injuries and spinal cord injuries; broken bones, fractures and contusions; traumatic neck, back, and spine injuries; paralysis or quadriplegia; loss of limbs; fatality.

We currently live in an age in which drivers are constantly barraged with technology and distractions. Although there are strict laws that forbid the use of hand-held devices while driving, many drivers still use cell phones or send texts. Fatalities can happen in a split second, and it is this type of careless behavior that legal teams set out to correct by seeking justice for the victim.

At The Law Offices of Gerald L. Marcus, they bring something different to the table. Their entire legal team is comprised of skilled litigators who have decades of trial experience in courts throughout Southern California.

Additionally, each of their trained support staff works collaboratively with each other to strengthen your case and maximize your compensation. Because their support staff is employed with both field and personal investigators, they know how to represent their clients to the fullest extent of the law. Together, their team strives to make certain that their clients receive the most money possible.

The Law Offices of Gerald L. Marcus 296-2992

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Courtesy of Shutterstock
Life Insurance that can Refund your Money
You know you should carry life insurance to protect the ones you love from financial hardship if you should die. But what if that policy could refund money to you and your family while you're alive? That's the premise behind Return of Premium life insurance. Here's what to know about this coverage.

What is Return of Premium Life Insurance?
Return of Premium life insurance is a term policy with a level premium period of either 20 or 30 years. At the end of the term, if the death benefit has not been paid and you've made regular premium payments, you'll be refunded the money you've paid over the level premium period less any loan and accrued loan interest on the policy. The return of premiums typically amount to tens of thousands of dollars - and you can use that money however you wish.

What are the Benefits?
In addition to the protection that the policy affords your loved ones:

•The money you get back from a Return of Premium policy is generally tax-free.

•You can use the refund any way you choose - to help pay off a mortgage, fund college tuition, boost your retirement savings or something else.

•Over the level premium period, your policy will build cash value and you can borrow against that during the initial term period.*

•The death benefit of your policy is generally income-tax free.

•If you have one or more other policies with your insurer, adding this coverage may make you eligible for discounts.

What Else should You Consider?
To keep the policy from lapsing, you'll need to make regular premium payments for 20 to 30 years.

*Unpaid loans and withdrawals will reduce the guaranteed death benefit, and policy cash value and any Return of Premium benefits. Loans also accrue interest. Please consult your tax or legal advisor regarding your specific circumstances.

Adjustable Premium Level Term Life Insurance policy series 08025 in all states except MT, NY, WI; 08075 in MT, A08025 in NY & WI. Insurance policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state. This is only a general description of coverage. A complete statement of coverage is found only in the policy.


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Courtesy of Shutterstock
Desert Drug Pharmacy
Helping Small Business Owners Fight the Flu
Moazzem H. Chowdhury, R.Ph. is taking a stand to fight the flu! Every year, influenza, or "flu," affects employers and businesses.

Flu costs the US approximately $10.4 billion in direct costs for hospitalizations and outpatient visits for adults.

To fight the flu this year, Moazzem H. Chowdhury, pharmacist and owner of Desert Drug Pharmacy, is offering 250 free flu shots to people who are small business owners or employees of small businesses in the Santa Clarita Valley.

This offer is on a first come, first serve basis. There will be a nominal fee of $10 after the first 250 flu shots. Log onto www.insidescv.com/flushot for a simple, downloadable form. Then send it in by fax or e-mail. All the info you need is online! You will then be contacted by a Desert Drug Pharmacy representative with further details.

Desert Drugs Pharmacies 298-3135
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