The La Quinta Gem Hunger Action Month Coral Mountain Addresses Community NEVERConcernsFORGET SEPTEMBER 2022
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The Greater Coachella Valley Chamber of Commerce (GCVCC) was created in 2016 in cooperation with the former Coachella, La Quinta, Cathedral City and Indio Chambers, along with the Cabazon Band of Mission Indians and Twenty-Nine Palms Band of Mission Indians. It enhances and significantly improves the way businesses interact with each other and the community in the entire Coachella Valley. As a Regional Chamber, the GCVCC delivers services and benefits to its members on a scope not seen before in the area. GCVCC LA QUINTA CHAMBER BOARD OF DIRECTORS Jeff Fishbein, Chair | Coldwell Banker / Fishbein Real Estate Group Mike Chapa, Secretary | Fairway Independent Mortgage Alison Hendrix | Entrevision Angelique Ontiveros | Desert Arc Chris Little | Desert Jet Doug Motz | Motz-Rusin Insurance Agency Eric Mosser | Charles Schwab Mike Williams | Capitis Real Estate Steve Weiner | Coldwell Banker Mickey Jumapao | iServe Lending THE GEM PRODUCTION TEAM The La Quinta Gem is an official publication of the Greater Coachella Valley Chamber of Commerse. Circulation: Approximately 23,000. Distributed free to all residents, Chamber members and businesses in La Quinta. Please Note: The opinions and views expressed in all editorial material are those of the writer or person interviewed and are not necessarily those of the GCVCC, its Board of Directors, or the advertisers in The Gem. The GCVCC endorses no person, political candidate or opinion unless specifically stated. The Gem reserves the right to reject certain advertising submissions. For a list of advertising standards, please contact staff. The Gem reserves the right to edit all submissions for grammar, length, and questionable content. Advertisers please notethat colors may look slightly darker, or slightly lighter due to variables in the printing process. TO ADVERTISE PLEASE CALL (760) 347-0676 Questions or comments? Email us at info@GCVCC.org or call (760) 347-0676. CG V LAQUINTA CHAM B RE EST 1950 TABLE OF CONTENTS 2022 MID-YEAR PLANNING FOR CAPITAL GAINS AND LOSSES 9/11 CANDLELIGHT VIGIL LA QUINTA RECYCLING CORAL MOUNTAIN ADDRESSES THE COMMUNITYCITYPAGES • City Manager’s Message ° 9/11 Candlelight Vigil ° La Quinta High School Homecoming Parade ° Pillars, Athletes & Artists Event ° Concert in the Park • It’s Your Library • La Quinta Museum • Community Services WHAT’S HAPPENING IN OLD TOWN 2220 2022 MEDICARE DRUG PLAN CHANGES FOR 2023 DRUG PLAN 08061014-1912-13The La Quinta Gem THANK YOU FOR THE MAJOR SPONSORSHIP PROVIDED BY 4
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Join us and attend the Ultimate BMW Event at the LaQuinta Resort & Spa in Palm Springs BMW Car Club of America’s member-exclusive O’Fest 2022, presented by Michelin, has events and experiences for every BMW enthusiast! Car Show
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Join us and attend the Ultimate BMW Event at the LaQuinta Resort & Spa in Palm Springs
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Join us and attend the Ultimate BMW Event at the LaQuinta Resort & Spa in Palm Springs BMW Car Club of America’s member-exclusive O’Fest 2022, presented by Michelin, has events experiences for every BMW
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R e s i d e n t i a l SB 1383: Short Lived Climate Pollutants State W i d e Goal Events Corner October 22, 2022 (10 am) November 5, 2022 (7 am 11 am) November 19, 2022 (9 am 2 pm) SB 1383 Webinar & Workshop Shred Day & Compost Give-a-way Household Hazardous Waste For more information on the above events please visit: www.laquintaca.gov/about us/going green/waste recycling SCAN ME!
to
SB 1383 is the most aggressive waste reduction law to be adopted in California in the past 30 years. This new law establishes statewide efforts to reduce greenhouse gas emissions like methane. By directing food scraps, soiled paper, yard trimmings and other organic materials to compost sites. The City of La Quinta is working closely with Burrtec to ensure our implementation is welcoming and informative to our community. How can I be an active steward of SB 1383?
organics recycling program for residents in October 2022
this
please do not place food waste in your green barrel When will the Organics Program begin? 6
The City of La Quinta is expecting launch its At time
SB 1383 requires that clean streams of organic material be collected, recovered, and recycled into new end products like Acomposttworkand at home, we will need to keep all our recycling and compost materials separate from our trash in the appropriate colored carts (coming soon!) Burrtec will provide residents with three carts and a kitchen pail Multi family communities will have a centralized organics program. a gated or multifamily community? Burrtec Waste and Recycling Services. They are happy to hear from you and learn more about your community and how can all work together to implement SB 1383 programs and educate La Quinta residents. Please call Burrtec's customer service center at (760) 340 2113 or email MunicipalServices@burrtecdesert com Ask for a waste assessment for Organics in your community
LandfillGOALDiversionby2025
La Quinta Recycling
W H A T R E S I D E N T S N E E D T O K N O W Are you
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S u p e r m a r k e t s w i t h a n a n n u a l r e v e n u e o f $ 2 m i l l i o n o r g r e a t e r G r o c e r y s t o r e s w i t h a t o t a l f a c i l i t y s i z e o f 1 0 , 0 0 0 s q u a r e f e e t o r m o r e . F o o d s e r v i c e p r o v i d e r s State Senate Bill (SB) 1383 requires commercial edible food generators to donate all leftover or unsold food that would otherwise be disposed of, by donating the food to a food recovery organization or service such as a food bank or local soup kitchen. Luckily, La Quinta businesses can benefit from our local partner, FIND food bank! To learn more visit www.findfoodbank.org S T A T E L A W R E Q U I R E S E D I B L E F O O D D O N A T I O N C o m m e r c i a l What Businesses Need To Know Edible Food Generators SB 1383 sets a statewide goal to recover 20% of edible food waste by 2025 to address food insecurity in California and reduce food waste TIER 1 Commercial and Edible Food Generators must contract with a food recovery organization or service for the collection or drop off of edible food starting January 1, 2022. Is My Business a Tier 1? Tier 1 Commercial Edible Food Generators Include: W H A T D O E S M Y B U S I N E S S N E E D T O D O T O C O M P L Y ? Recover Edible Food: Save edible food so it can be used to feed people instead of sending it to a landfill. Help is Available Burrtec's District Environmental Coordinators will assist your food establishment in participating with local food agencies to begin a food rescue program Contact us at (760) 340 2113 to schedule a free assessment 11.2 Billion Pounds of Food Sent to Landfills bwCalifornianssend112billionpoundsoffoodtolandfillseachyear,someofhichisstillfreshenoughtoerecoveredtofeedpeopleinneed(CalRecyclecagov) www.laquintaca.gov Contract: Have a contract or written agreement with food recovery organizations that picks up or receives edible food from your business. Track and Report: Maintain records of food recovered each month. Chula Artisan Eatery - Locally sourced and made from scratch H2O Closet - Go see what they have discovered Visit one of our local environmentally friendly businesses L A Q U I N T A E C O B U S I N E S S S P O T L I G H T
The Coral Mountain resort in the south part of town is introducing a new twist on lifestyle communities. Features include a boutique hotel, luxury homes, dining, and recreational activities, including a surfable wave. I recently reached out to John Gamlin, President of CM Wave Development LLC, to find out more.
CORAL MOUNTAIN RESORT ADDRESSES COMMUNITY CONCERNS
First, the Wave Basin will NOT use drinking water. Non-drinking water sources will be treated to Health Department standards, saving drinking water for household use. The Basin uses 1/10th of the water of the currently approved golf course. The size of the Wave Basin has been reduced by 1/3 and ornamental water bodies eliminated. Finally, Coral Mountain is funding a program to eliminate 2 million square feet of grass in La Quinta, saving an estimated 68 million gallons of drinking water currently being pumped from the aquifer annually. This cancels the Wave Basin’s water demand almost three times over.
What about buildings obstructing mountain views and lights illuminating the night sky?
How are you addressing concerns that a Wave Basin will waste water?
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To address concerns, maximum building heights have been reduced to 40’. Basin light fixtures have been cut from 80’ to 40’. The ‘Dark Skies’ compliant lights will not be visible from outside the project.
By Jeff Fishbein, Board Chair, La Quinta Chamber of Commerce
What benefits will the project bring to La Quinta? Public benefits are many: • $3.5 million for the City’s General Fund • Public hiking trail connections • Community market with outdoor gathering spaces • Minimum 1,000 hours Wave access for local non-profits and City for public benefit; in addition to funding for health and social programs • Improvements to IID’s infrastructure to help solve capacity issues affecting economic development and improve grid stability. Will noise and traffic create problems for neighbors? The main noise associated with the Wave is moving water sounds, not equipment and speakers. The project meets all City noise standards. Impacts have been determined to be less than significant. In addition, a full traffic study proves that impacts will be less than significant, with all improvements paid for by the Thedeveloper.LaQuinta
City Council is scheduled to discuss the Coral Mountain project at a special meeting on September 21.
Undoubtedly, Andrew’s project more than a decade ago continues to be meaningful to La Quinta and local troops to this day. La Quinta’s scouts – from Troop 1701 (Boys) and Troop 451 (Girls) – participate in and help lead the City’s 9/11 Candlelight Vigil each September. Mark your calendar for this year’s event, which will be held on Sunday, September 11th at 7:00 p.m.
Daniel Chico, Manuel Belandres, Andrew Nelson and Julian Chico
Perhaps the most poignant event held in the City of La Quinta each year is the 9/11 Candlelight Vigil at Civic Center Park – which features a very special memorial that rests at the north side near the La Quinta Library and Calle Tampico. The memorial incorporates a piece of steel from Ground Zero, and was the vision of Andrew Davis as part of his Eagle Scout Project. When Andrew was 15, he began raising money for the memorial – which took nearly 3 years from 2010 to 2013. Andrew was part of Scouts BSA’s Troop 50 however; Andrew was a resident of La Quinta. The Eagle Scout rank is the highest honor a scout can achieve . The scout must come up with a project that will benefit the community, raise money for it, and lead scouts to complete it.
“It’s extremely important that people remember 9/11 and the sense of community that people felt right after it happened.”
Troops 1701 & 451 Continue the Vision of Eagle Scout’s Project
LA CANDLELIGHTTOSCOUTSQUINTA-BASEDBSATROOPSHELPLEAD9/11VIGIL
Submitted by: GCVCC Staff
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District of the CaliforniaInl and Empire Council of Scouts BSA – shares more about the involvement of local scouts.
“Attendees will be greeted by scouts as they walk in that evening,” said Pam. “As the vigil begins, the scouts will solemnly march the flags forward and do the flag ceremony along with the Pledge of Allegiance. Then, towards the end, the scouts will hand out the flameless candles everyone will light for a moment of silence.”
According to Suzanne Potter, Assistant Scoutmaster for Troops 1701 and 451, part of the Scouts BSA mission is to foster patriotism and leadership – and citizenship is another important part of their focus. “We are honored to be a part of this ceremony each year for love of country because that’s what Scouts BSA is all about,” Suzanne added. Troop 1701 has roughly 50 boy scouts from 6th grade and up, and Troop 451 has 12 girl scouts from 6th grade and up. Both troops are highly involved with the City of La Quinta, including another initiative that is currently in the works. with Other La Quinta Initiatives
9/11 C i v i c C e n t e r P a r k P l a y I n L a Q u i n t a . c o m C A N D L E L I G H T V I G I L S U N D A Y , S E P T E M B E R 1 1 | 7 : 0 0 P M 11
“The flag is the symbol of our nation, and the stars and stripes get the respect they deserve through an official retirement ceremony,” Suzanne said. In addition, the troops put flags on veterans’ graves on MemorialDay. “We have a specific merit badge that each Eagle Scout is required to pass – the Citizenship in the Nation badge,” Suzanne explained. “All of these activities we take part in reinforce the importance of patriotism. It’s extremely important that people remember 9/11 and the sense of community that people felt right after it happened. It brings back the focus on our collective responsibility to be vigilant against terrorist attacks in the future.”
Taking the spirit of 9/11 and moving it forward, Troops 1701 and 451 are helping to create drop-off locations for used flags so that they can receive a proper retirement.
The 9/11 Candlelight Vigil is happening Sunday, September 11th at Civic Center Park, beginning at 7:00 p.m. This is an evening of remembrance that commemorates the anniversary of the 9/11 attacks. It is free and open to the public, and all are invited to attend and pay their respects.
Scouts BSA is training the leaders of tomorrow – and a critical part of leading is knowing American history and lessons of the past – especially events like 9/11, which changed our country forever.
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To stay updated on news and events in La Quinta, sign up for “Quail Mail” by going to LaQuintaCA.gov.
By: Jon McMillen, La Quinta City Manager
It may not feel quite like fall yet, but it won’t be long before we are back to the ideal weather that draws people to our charming City while the rest of the country is enduring chillier conditions. Our neighborhoods are more active now that schools are back in session, and you may notice several enhancements in various La Quinta communities that have received some landscaping upgrades over the summer.
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National Preparedness Month
Saturday, September 24 | 6:30 - 8:30pm Enjoy Sean Oliu and The Coastline Cowboys against the stunning backdrop of the Santa Rosa Mountains in one of the City’s newest parks.
Thursday, September 22 | 4:00pm Location: City Council Chambers Join us in recognizing members of our community who have made an impact in the City through various volunteer opportunities, artistic endeavors and athletic accomplishments. Concert in the Park
CITY SPONSORED SECTION
November 8 is Election Day
HERE ARE SOME UPCOMING EVENTS YOU’LL WANT TO ADD TO YOUR CALENDAR:
Wednesday, September 21 | 4:30pm Location: Old Town La Quinta Be a part of the homecoming festivities in La Quinta by attending this fun parade organized by the Blackhawks and stay for dinner at one of the many incredible restaurants in the La Quinta Village.
Pillars, Athletes & Artists Event
La Quinta High School Homecoming Parade
MESSAGEMANAGER’SCITY
9/11 Candlelight Vigil Sunday, September 11 | 7:00pm Location: Civic Center Park This is an evening of remembrance that commemorates the anniversary of the 9/11 attacks. It is open to the public, and all are invited to attend and pay their respects.
La Quinta and the City of Indio will begin working together this month on Jefferson Street slurry seal improvements. This project will improve the intersection of Jefferson and Highway 111 for motorists and is expected to be completed by end of next month.
OTHER CITY UPDATES
Jefferson Street Slurry Seal Improvements
In addition to Mayor and City Council candidates, La Quinta residents will be voting on whether to phase out and permanently ban non-hosted short-term vacation rentals in the City by December 31, 2024, except in exempted areas. Measure A Initiative is a ballot initiative submitted by a group of residents who appear to be affiliated with an organization called “Neighbors for Neighborhoods,” or N4N. In accordance with state elections law, the City Council took official action to oppose the ballot initiative, which, if passed, would mean a loss of general fund revenues estimated to be at least $6 million annually. This loss of revenue would impact the funding of services paid by the City from general fund revenues, including law enforcement, roadwork, landscaping and other capital improvements. More information about Measure A will be coming in the next edition of The Gem. For information visit www.laquinta. gov/MeasureA. XPark Landscaping This project entails completing the landscape improvements at the XPark with a desert oasis palette. Both natural and artificial turf will be used at standing and resting areas. There will also be a “board yard” installed to allow participants to leave portions of skateboards no longer useable. The landscaping component was purposely delayed to assess the natural uses and areas where artificial and natural turf would be best utilized by skaters and bikers.
National Preparedness Month is an observance each September to raise awareness about the importance of preparing for disasters and emergencies that could happen at any time. The theme for 2022 is “A Lasting Legacy: The life you’ve built is worth protecting. Prepare for disasters to create a lasting legacy for you and your family.” Talk with your family about how you will communicate during a disaster and start building your emergency kit today. Sign up for public safety notifications with Alert LQ (Nixle 360) by texting 92253 to 888-777 from your cell phone.
CITY SPONSORED SECTION FEATURED PROGRAMS College Prep Office Hours with Anne Heine of College Made Clear | Ages 13-17 Wednesdays in September | 3:30pm to 5:30pm Discord: bit.ly/LAQTeensDiscord High School Juniors and Seniors: Join us on the LAQLibraryTeens Discord server Wednesdays in September from 3:30-5:30 for tips and tricks to know when filling out college applications and to ask questions and feedback on your applications. Page Turners Book Club | Ages 18+ Thursday, September 15 | 10:30am In-Person or Zoom Join our newest traditional book club where we’ll read a wide variety of titles throughout the year. In September, we’ll discuss The Family Chao by Lan Samantha Chang. See the Adult Reference Desk to register. Copies are limited. ONGOING PROGRAMS Read the World | Ages 18+ Tuesday, September 20 | 5:30pm In-Person or Zoom Travel the world with this immersive* book club! In September, we’ll visit Vietnam by discussing Paradise of the Blind by Duong Thu Huong. See the Adult Reference Desk to register and for more info. *Immersive goodies available while supplies last. LA QUINTA CREATION STATION PROGRAM Creation Station Closure Saturday, September 10 The Creation Station will be closed for a staff professional development day. Normal hours will resume Sunday, September 11 at 12:00pm. Sewing Workshop: Keychain Wristlet | Ages 8+ Thursday, September 15 | 10:00am - 6:00pm In-Person | FREE The Creation Station will be offering a 1-hour sewing workshop on creating a keychain wristlet. There are 2 spots available per hour. Call or email to RSVP. More program info can be found on the Events Page at www.rivlib.net, La Quinta Library’s Facebook Page, or by visiting the Library. WELLNESS CENTER Creative Wellness - Indoors Ballroom Dancing Beginning 5:30 –6:30pm T Physical Wellness Gentle Yoga 11am – 12pm T Yoga 4pm – 5pm M/W Pilates 11am – 12pm M/TH Stretch & Restore (Fitness Members) 5:30pm – 6pm Tai Chi Yang 3pm – 4pm T/TH Physical Wellness - Outdoors Pickleball 101 Beginners 6pm – 7pm W Social Wellness Social Bridge (fee: $4) 12:30pm - 4pm M Call Julie (760) 342-8580 Mah Jongg (Fee: $2) 12:30pm – 3:30pm T Quilting for Good Times 2pm – 4pm TH Food(Volunteers)forThought Program FREE 10:30am – 12pm W Chuck Jones Center for Creativity (October 12 – November 2) Health & Wellness Day October 20 | 9:00am – 12pm We hope you join us for this healthy event. Open Court Time at La Quinta Boys & Girls Club Thanks to the partnership of Desert Recreation District (DRD), the Boys & Girls Club, and the City of La Quinta the following activities are offered: Volleyball on Tuesdays and Thursdays Basketball on Wednesdays Enrollment: September 1 – December 22 Time: 7 – 9pm (doors open at 6:45pm) Ages: All ages (13 years of age and under must be accompanied by an adult) Fee: $5 daily drop-in, or $30 for an 8-visit Express Pass. For more information, please call DRD 760.564.9921 IT’S YOUR LIBRARY La Quinta Public Library is located at 78-275 Calle Tampico. Enjoy FREE programs for all ages! COMMUNITY SERVICES Online registration available https://laqwebtrac.laquintaca.govatFormoreinformation,pleasecall(760) 564-0096. 15
PROGRAMS As programs are subject to change, please find the latest information on our FREE programs at facebook.com/ LaQuinta Museum/events Sketchbook Journaling Friday, Sept 2 & 16 | 1-3 pm
The La Quinta Museum is open Tuesday- Saturday, 10am-4pm. Admission and programs are FREE NEW EXHIBITS
Get in touch with your inner artist with sketchbook journaling—the no-rules, playful approach to creativity. Join us each month to create bite-sized bits of drawing, painting, lettering, collage, and mixed media. Basic sup plies provided.
Genealogy Meet-Up Saturday, Sept 10 | 1-3 pm Are you interested in your family tree? Are you a beginner or an expert in all things Genealogy? Come join us for discussion and collaboration.
LA QUINTA MUSEUM 77885 Avenida Montezuma
STITCH Fiber Arts Group Tuesday, Sept 13 & 27 | 1-3pm
Quinta,
TED Talk Hangout Wednesday, Sept 14 | 1pm Let’s enjoy a TED talk on the big screen, and then discuss! This month, we’ll watch “What’s missing from the American immigrant narrative” by Elizabeth Camarillo Gutierrez. Take a Break with Huell Tuesday, Sept 20 | 11am Join us for an episode of Huell Howser’s California’s Gold on the big screen. This month we’ll watch “Hearst Castle Landscape” as Huell tours the gardens of the world-fa mous Hearst Castle on our state’s central coast. Good Books in the Gallery Thursday, Sept 29 | 3pm This month, we’re reading Lincoln in the Bardo, by George Saunders. A limited number of free copies are available for book club participants, call 760.777.7170 to request one. Club de Lectura: Spanish Book Club Friday, Sept 30 | 3pm Únete a nuestro club de lectura y conversemos sobre diferentes historias y títulos de interés cultural. Este mes hablaremos sobre eltítulo “Umami” por Laia Jufresa. Este programa es para jóvenes y adultos! Cada último viernes de mes en el Museo de La Quinta. Copias del libro disponibles en el museo, llama al (760) 777-7170 para apartar uno. La CA 92253 (760) 777-7170
CITY SPONSORED SECTION16
Bring your fiber project to work on while you meet with friends old and new, share what you’ve been working on, and get inspired for your next project.
Lincoln’s Scout: Diary of Horatio Cooke, Soldier, Spy, Escape Artist The year was 1981, and author M. R. Cannon was performing a magic show in nearby Yucaipa, Cali fornia, when things took an unexpected and fasci nating turn. An 85-yearold audience member, Clara Louise Wasem, took over his show and captivated the audience with tales of her father, Professor Horatio G. Cooke, the American Wizard, who had been a Special Scout for Abraham Lincoln, an escape artist and Spiritual ism debunker, and a mentor and friend to Harry Houdini. Clara Louise gave the author Cooke’s diary and meticu lously kept scrapbook with a charge to share her father’s amazing story. Experience Cooke’s extraordinary life in this new exhibit! La Quinta History Galleries, featuring Making A City Learn about of the grassroots movement that turned a small corner of the desert into the official City of La Quinta in our new exhibit, Making a City. This 40th Anniversary exhibit recounts the events of 1982 in the words of the City’s first mayor, Fred Wolff. Visitors will experience the Incorporation of the City through photos, memorabilia, newspapers, and video featuring Kay Wolff reminiscing on the movement that started in her living room.
La Mejor Tienda de Segunda Mano del Valle The Valley’s Best Thrift Store Support the Community You Want to Create.100%ofRevivalsProfits fund comprehensive care at DAP Health. Now open in Indio at the Corner of Monroe & Hwy 11 Schedule a convenient donation pick-up at your home in La Quinta revivalsstores.com
Buy tickets laquintaartcelebration.orgnow Premier Sponsor November 10-13, 2022 #1 Fine Art & Craft Event in the Nation 2022 – Art Fair SourceBook Erin JonathanHansonStopper Patty Roberts
Submitted by: GCVCC Staff
The COVID Pandemic created the ultimate perfect storm for hunger relief; proving that no matter who you are and what the square footage of your home is, you may have to rely on a food bank to survive and feed you and your family!
What does this mean for many of our valley residents? What does this mean for you? While we struggle through this economic downfall, remember that there is hope when it comes to these various organizations. The FIND food bank works closely with many of the shelters, senior housing groups, low-income households, mobile markets, school programs, etc. FIND food bank ensures that NO ONE is without food!
Debbie does what many economists have done through the years, and turn to our basic staple foods to gauge the social impact that the recession is having on our wallets… “We used to walk into the store and buy eggs for $1.99… now $4.99 for a dozen. It’s a 150%+ percent increase… Milk did the same thing!... Did people double their income in the last six months? No.”
For more information on how you can get involved with FIND Food Bank in our Desert, visit their website at findfoodbank.org
FIND food bank has increased its number of visitors by more than 50% since the pandemic, and there is more need for the food bank than ever before. People didn’t just take a mental and economical hit from the pandemic, but within the past six months, the Food Bank has been in a disaster mode with the severity of inflation and not being able to keep up with those in need.
This regional food bank is a staple to our community, starting from bread delivery to the homeless, with a vision to feed all who are need of a meal, paving the road to end hunger in America. It may seem like an unattainable goal, yet the FIND food bank is now one of the largest food banks, serving over 20 million meals, with massive trucks packed for food distribution going out nearly every week!
According to CEO Debbie Espinosa, there is no economic boundary when it comes to walking into a food bank. The
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There are a few key points to keep in mind. Stock losses in your retirement account (IRA, 401K or other qualified retirement accounts) are not allowed as a tax deduction on your personal tax return. If you sell stock for a loss and buy back that stock (or similar investment) within 30 days of the sale, you cannot take a deduction of the loss. This is called the “wash sale” rule. You must sell the stock to realize a loss. A simple decline in value of your portfolio does not result in tax a loss.
Submitted by: Bruce J. Legawiec, Osborne Rincon CPAs 2022 MID-YEAR PLANNING FOR CAPITAL GAINS AND LOSSES
On an annual basis when a tax return is filed, capital gains and losses are netted against one another to determine if there is a net gain or net loss. If the netting results in a short-term gain, the gain is taxed at ordinary tax rates. If the netting results in a long-term gain, the gain is taxed at preferred long-term rates. It is entirely possible the result is both a net short-term gain and net long-term gain. If the result is a net loss (short-term or long-term), the amount that can be used for the current year to offset other income is limited to $3,000. Any loss in excess of $3,000 is not lost, but rather carried forward to future years. When to Take a Loss When might it make sense to realize a loss on investments?
There are essentially two classes of capital gains and loss: short-term and long-term. Short-term is a security or other asset held for one year or less before it is sold. To be treated as long-term, an asset must be held more than one year. The benefit of a long-term gain is that the gain is taxed at a lower federal tax rate than ordinary income. However, California does not differentiate – short-term or long-term gains are taxed at the same rate as ordinary income.
Short-term & Long-term Capital Gains and Losses
Assume that you sold stocks early in the year and realized a gain. If you are just sitting on losses and do not sell the stock before the end of the year, the loss is of no tax benefit. So, consideration of selling the stock and “realizing” the loss may be of benefit. What if you sold real estate (or another asset, perhaps a business) in an earlier year for a gain on an installment basis and are still collecting on the note? Each note collection installment received carries with it a portion that is treated as a taxable capital gain. If you are in this situation, it would make sense to review your portfolio to determine realizing an investment loss to offset the installment gain. Even though we are only just past mid-year, it is still a good time to consider tax planning. Your investment decisions should be reviewed with your financial advisor and CPA before you take action.
All over the news these days are the headlines of significant declines in the stock markets, and as a result, many people have seen a decline in their personal net worth. If you are someone that has experienced a decline in your portfolio value, it may be a good time to review your situation and assess if it makes sense (from a tax planning standpoint) to sell losers and “realize” stock losses for tax purposes.
Bruce J. Legawiec, CPA, is a Partner with Osborne Rincon CPAs and has over 30 years of diverse public accounting experience. Osborne Rincon is one of the oldest and most respected fullservice accounting firms in the Coachella Valley. To learn more, call (760) 777-9805 or go to www.OsborneRincon.com.
T H E I R O N M A N 7 0 3 I N D I A N W E L L S L A Q U I N T A S T A R T S A T 7 A M A T L A K E C A H U I L L A A N D F I N I S H E S A T T H E I N D I A N W E L L S T E N N I S G A R D E N V I S I T U S O N L I N E T O S T A Y U P D A T E D O N R A C E D A Y D E T A I L S T H E R A C E I S O N T! H E R A C E I S O N ! D E C E M B E R 4 , 2 0 2 2 C O U R S E M A P T R A F F I C D E T O U R S S I G N U P F O R T E X T A L E R T S W A Z E M A P C O M M U N I T Y H O T L I N E L A Q U I N T A C A . G O V / I R O N M A N A "Yes" vote is in favor of adopting the Measure's STVR phase out and ban by December 31, 2024. A "No" vote is against the Measure's STVR phase-out and ban by December 31, 2024. Measure "A" was placed on the ballot by initiative petition and submitted to the electorate of the City of La Quinta. More information on Measure "A" can be found by visiting www.laquintaca.gov/MeasureA and in next months issue of The Gem MEASURE "A" INITIATIVE (SHORT-TERM VACATION RENTALS)
The Congressional Budget Office estimates that a senior collecting Social Security benefits spends on average 25% of those benefits on medical care over their lifetime. These changes should reduce that somewhat, or at a minimum, stop the large increases in the future.
Catastrophic coverage copay of 5% will be eliminated in 2024, but the out of pocket limit will remain high at over $7,000 per person. In 2025, this will be reduced to $2,000, which is probably the most significant action of this new law.
In 2023, insulin prices will be capped at $35 per month for Medicare recipients, however some manufacturers claim they can charge more if the insulin is sold in a pen or cartridge, not a vial. How this gets resolved remains to be seen.
Submitted by: Randy Foulds Foulds Health Insurance Agency
With the Medicare Annual Enrollment period (October 15 through December 7) just days away, it will be important for all Medicare beneficiaries to check their drug coverage and take advantage of these changes for 2023. You can compare all available drug plans at Medicare.gov. This is provided for informational purposes only and is not intended to substitute for professional advice. Randy Foulds of Foulds Health Insurance Agency is an independent broker and Medicare specialist in La Quinta. license #0G69218. You can reach him at 760-346-6565.
This is good news since the average premium for a Medicare drug plan actually decreases in 2023 to $31.50. Not a big decrease, only 1.8% but that is still better than an increase.
MEDICARE DRUG PLAN CHANGES FOR 2023 AND BEYOND
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Sweeping new legislation hopes to contain high costs of medications for seniors on Medicare. Some of the actions will take place in 2023, but most will be in future years. Much of what is proposed in the new law was anticipated by insurers, so plan premiums that were already approved for next year and not expected to change.
Beginning in 2025, Medicare will negotiate pricing for 10 of the most common, high-priced medications. Xarelto, Januvia, Prolia and Jardiance are the most likely to see price reductions initially. In following years, medicare will be able to negotiate pricing on more medications as well.
Most Part D plan premiums in Riverside county will not change more than 3%. In 2024, premium increases will be limited to 6%. The other big change for 2023 is that vaccines will now available at no cost, including shingles vaccines, which were previously not covered at all under traditional Medicare.
At Desert Care Network’s La Quinta Medical Center Campus you’ll discover an intimate setting for hospital outpatient services. Our services include: • Desert Regional Medical Center’s Comprehensive Cancer Center satellite facility offers consultations, infusion services, and screening mammography • Desert Care Network’s Advanced Wound Healing Center offers care for chronic wounds, including diabetic foot ulcers. We are a member of the Amputation Prevention Centers of America. • La Quinta Imaging provides a wide array of medical imaging, including X-ray, CT and MRI scans • Our Neurology Specialty Clinic treats movement disorders, epilepsy and a host of neurological conditions • Desert Care Network Primary & Specialty Care, where patients can schedule appointments with physicians in a variety of primary and specialty services Discover La Quinta Medical Center La Quinta Medical Center | 47647 Caleo Bay Drive | La Quinta, CA 92253 DesertCareNetwork.com/LaQuinta
