Premier market --- affordable rates

5199 E. Pacific Coast Hwy. #608
Post Office Box 15679
Long Beach California, 90815-0679
Phone: (562) 597-8000
Fax: (562) 597-9410
Arts & Entertainment

Money Matters

From Issue: Volume XX - Number 22

Solar Seminars -- Learn how solar energy provides a hedge against inflation and rising utility prices as well as how rooftop solar can power your EV car for pennies at “Solar 101,” a drop-in breakfast, 90-minute seminar for homeowners on Saturday, Nov. 10, at 9 a.m. or 10:30 a.m. It’s at Grounds Café, 6277 E. Spring St. (at Palo Verde Ave.). Phone (562) 429-5661 or 420-8511.

HCVT LLP CPAs -- Due to significant tax rate increases for taxpayers making $200k+, HCVT’s tax professionals are beginning year-end tax planning for their clients to minimize 2012 and 2013 federal and state taxes. Federal “ordinary” rates will rise from 35% to as high as 43.4% in 2013, capital gain rates will jump from current 15% to as high as 23.8%, and California personal rates will rise from a maximum of 9.3% to 13.3% in 2013 if CA Proposition 30 passes. Visit or call (562) 590-9535.

Farmers & Merchants Bank’s MasterCard pre-paid debit cards make the perfect Christmas gift for everyone on your shopping list! Visit your local branch or to get a head start on your Christmas shopping! MasterCard pre-paid debit cards are available to F&M customers at all branch locations for $3 per card. A monthly maintenance fee of $2.95 begins assessing the 7th month after the card is purchased. F&M Bank is a Member FDIC.

HCVT LLP CPAs -- Likely 2013 federal and state tax changes tied to this week’s election. (1) End of Federal Bush Tax Cut: Increases maximum tax rate to 39.6% and Capital Gains rate to 20%, (2) Federal Obamacare: 3.8% tax on unearned income - $200k (S)/ $250k (MFJ) and 0.9% tax on wages and S/E income and (3) California Proposition 30 – If Passes: Increases sales tax by ¼% - 4 years and Increases personal tax up to 13.3% for wealthy taxpayers – 7 years. Visit visit or call (562) 590-9535