Mind your Own Business
December, 2013 - Issue #110
Courtesy of Shutterstock
Courtesy of Shutterstock

Products and Services to Keep Business Going Strong
Keep Business Operations Running Smoothly:
Full Service Business Banking at Mission Valley Bank
We're more than a community bank. We're a full-service, independent commercial bank that is locally owned, community minded and relationship driven. We offer an impressive list of financial products and services to operate and grow your business. Decisions are made at the local level by experienced business bankers.
Keeping Small Business Growing: SBA Financing
An SBA loan may be the perfect business move to assist with the growth and success of your business, offering a variety of financing options. As an SBA Preferred Lender, Mission Valley Bank knows how to "uncomplicate" your SBA loan experience.

Keeping Business on the Cutting Edge: Accounts Receivable Lending
Put the flow back into your cash flow. Accounts Receivable Financing provides unique benefits to bridge the cash gap between payables due today and money you'll receive in 30 days or more.

Keeping Business Humming: Equipment Financing
When purchasing new or used long-term assets or leasehold improvements, Equipment Financing helps your business expand or modernize. Mission Valley Bank offers competitive fixed rates and up to 100-percent financing with a variety of repayment schedules available.

Keeping Cash Flowing: Merchant Bankcard
Mission Valley Bank understands many businesses rely upon card-based transactions. That's why we have a division dedicated to the service and support of our Merchant Bankcard clients. Working directly with one of the largest credit card processors in the country, we provide businesses with extremely competitive pricing, the latest industry innovations plus outstanding customer service and support.
Mission Valley Bank Valencia Office 775-4112
Centre Pointe Business Banking Office 753-5680

Watch Out for Distracted Drivers during the
Busy Holiday Season

According to the US Department of Transportation, distracted driving is a dangerous epidemic on America's roadways. In 2010 alone, over 3,000 people were killed in distracted driving crashes.

Distracted driving is anything that takes a driver's hands, eyes or their mind off of the situation at hand.

Distracted driving can include anything from eating while driving to changing the radio station. Even talking to other passengers in the vehicle can be considered distracted driving. Although many of these practices are not against the law, they may constitute negligence if the actions result in a collision and injuries.

The leading type of distracted driving is cell phone use. Not all states have made regulations against talking on cell phones and texting while driving, but the State of California has. According to the California Vehicle Code (CVC), there is a ban on handheld cell phone use for all drivers and a ban on texting for all drivers. Still, hundreds of people continue to drive through Santa Clarita while they are texting or using their cell phones in some other way.

"Sending or receiving a text takes a driver's eyes from the road for an average of 4.6 seconds, the equivalent - at 55 miles per hour - of driving the length of an entire football field, blind."
~ US Department of Transportation (DOT)

While there are no formal laws against specific distractions such as eating or touching up makeup in the car, drivers have a duty while driving. Engaging in such activities behind the wheel is considered negligent driving because it reflects a blatant disregard for the safety of people and property surrounding. While the offense is not criminal, negligent driving does call for legal action if someone is injured due to another person's distracted driving. The ten most common, and most dangerous, distractions while driving in the United States include:

Talking on the Phone | Daydreaming/Lack of Focus
Texting and Social Media | Watching Roadside Diversions (Rubbernecking)
Onboard Entertainment and Electronics | Lack of Sleep
Giving Attention to Young Children | Tending to Pets
Applying Makeup/Grooming | Eating and Drinking

Not only does distracted driving heighten the risk of a collision, it can also increase the severity of the crash. When drivers are not paying attention to the situation at hand, they are not as readily able to take corrective action to avoid the accident or lessen the severity of the impact by swerving or putting on their brakes. If you were injured by a driver who was not paying attention, get in touch with a Santa Clarita car accident lawyer at our firm.
The Law Offices of Gerald L. Marcus 661-296-2992
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