BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update
2. Important Dates – Mark Your Calendar
3. Talking to Your Aging Parents About Money
4. Podcast: What to Do with Your Tax Refund
5. When Generations Collide
6. What You Can Learn from Your Tax Return
7. Start Planning Now for Next Year’s Tax Return

===========================================================

1. WARHAFTIG & ASSOCIATES, CPA UPDATE.

Please remember, if you are in need of any financial and/or tax advice during the course of the year, feel free to call to make an appointment.

===========================================================

2. IMPORTANT DATES – MARK YOUR CALENDAR

If you had to pay additional taxes for your 2011 tax returns, it is highly probably that you will have to pay taxes again next year. Call to see what can be done to avoid this, either by increasing your withholding, or by making estimated payments.

Moving from one job to another, do you want to move your 401k but need some advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

===========================================================

3. Talking to Your Aging Parents About Money

If you’re like most people, talking to your aging parents about their financial situation ranks right up there with making your own will. Let’s face it, it’s awkward. But it’s important for adult children to know about and understand their parents’ finances.

http://www.moneymattersnj.com/story.cfm?SID=15638

============================================================

4. Podcast: What to Do with Your Tax Refund
You’ve finally settled up with Uncle Sam and have received a refund. So what should you do with the extra cash? Here are some suggestions.

http://www.moneymattersnj.com/story.cfm?sid=13907

============================================================

5. When Generations Collide
Most parents want to help their children, but there can be long-term financial implications and other challenges when adult children move home. Establishing ground rules up front will help everyone live as peacefully as possible.

http://www.moneymattersnj.com/story.cfm?sid=15639

============================================================

6. What You Can Learn from Your Tax Return
Tax time may be over, but before you store your return in the attic, take a moment to review it. You can discover a lot about your financial situation and identify changes that will improve your tax outlook before it’s time to file next year’s return.

http://moneymattersnj.com/story.cfm?sid=15641

============================================================

7. Start Planning Now for Next Year’s Tax Return
The tax deadline may have just passed, but planning for next year can start now. The IRS reminds taxpayers that being organized and planning ahead can save time, money and headaches in 2013. Here are eight things you can do now to make next April 15 easier.

http://www.moneymattersnj.com/story.cfm?SID=15642

============================================================

E-CPA is a monthly email publication provided by

Warhaftig & Associates, CPA

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar

2. Important Dates – Mark Your Calendar
3. Ten Tips for Saving Money on Health Care
4. Podcast: Refund Anticipation Loans
5. Free Answers to Your Tax Questions
6. Tax Concerns for the Unemployed
7. Health Care Funding Options
8. What You Should Know About Estate Tax Laws

===========================================================

1. WARHAFTIG & ASSOCIATES, CPA UPDATE.

Please remember, if you are in need of any financial and/or tax advice during the course
of the year, feel free to call to make an appointment.

===========================================================

2. IMPORTANT DATES – MARK YOUR CALENDAR

You can make an appointment for preparing your taxes by e-mailing or calling. If you
do not have time to stop by, you can simply drop off your taxes and we will call you
back with questions, concerns, and the results.

Moving from one job to another, do you want to move your 401k but need some
advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

===========================================================

3. Ten Tips for Saving Money on Health Care
Wouldn’t it be great if the Sunday newspaper contained coupons to save on your health care? Imagine $20 off your next prescription or $50 off your next doctor visit. Too good to be true? Maybe not. There are ways to save money on health care without compromising your health.
http://www.moneymattersnj.com/story.cfm?SID=15586

============================================================

4. Podcast: Refund Anticipation Loans
Tax season is in full swing, and many taxpayers are anxious to cash in on their refunds as soon as possible. Some may even consider accelerating the process with a refund anticipation loan. Learn why these loans should be approached with great caution.
http://www.moneymattersnj.com/story.cfm?sid=15349

============================================================

5. Free Answers to Your Tax Questions
The AMT; Form 1040EZ; W-2s; 1099s. How do you make sense of these tax forms and associated jargon to calculate your refund or – gulp – what you owe Uncle Sam? CPA experts are on hand through March 31 to answer your personal income tax filing questions.
http://moneymattersnj.com/resources/asktheexperts.cfm

============================================================

6. Tax Concerns for the Unemployed
What are your tax obligations if you lost your job during the last year? Here are answers to some common tax questions for those who are out of work.
http://moneymattersnj.com/story.cfm?sid=15589

============================================================

7. Health Care Funding Options
HRA. FSA. HSA. These “words” may seem like so much alphabet soup, but they could spell savings for you when you are paying for health care.
http://www.moneymattersnj.com/story.cfm?sid=15587

============================================================

8. What You Should Know About Estate Tax Laws
You may think that estate tax planning is only for the wealthiest taxpayers. However, recent changes in the estate tax laws have been so advantageous to those passing wealth to another generation that it is worth knowing about the basics of these laws to ensure you make the most of them.
http://www.moneymattersnj.com/story.cfm?SID=15588

============================================================

E-CPA is a monthly email publication provided by

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar

3. Free Answers to Your Tax Questions

4. Vacation Planning 101

5. What Is the Kiddie Tax?

6. Podcast: How to Get the Most for Your Auto Deduction

7. Keeping Your Small Business Finances in Order

8. Tax Tips for Military Personnel

===========================================================

1. WARHAFTIG & ASSOCIATES, CPA UPDATE.

Please remember, if you are in need of any financial and/or tax advice during the course of the year, feel free to call to make an appointment.

It is that time a year again…over the next few weeks, you will be receiving a number of tax documents in the mail for you to prepare your tax returns. Other than tax statements from stock and mutual fund companies, all other tax documents must be placed in the mail no later than January 31, 2012. Remember to wait until you have received everything before calling for an appointment. If you are unsure of what you had last year, please feel free to call.

===========================================================

2. IMPORTANT DATES – MARK YOUR CALENDAR

You can make an appointment for preparing your taxes by e-mailing or calling. If you do not have time to stop by, you can simply drop off your taxes and we will call you back with questions, concerns, and the results.

Did you have a “side job” during the course of the year? If so, you might owe taxes come tax season…find out if you need to make an estimated tax payment remember that they are due on January 15th. Also, if you paid someone more than $600 during the course of the year for your business, you will need to send them a 1099-MISC. If you need assistance in preparing this, please feel free to call. These must be sent out prior to January 31, 2012.

Moving from one job to another, do you want to move your 401k but need some advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

===========================================================

3. Free Answers to Your Tax Questions

The AMT; Form 1040EZ; W-2s; 1099s. How do you make sense of these tax forms and associated jargon to calculate your refund or – gulp – what you owe Uncle Sam?

Now through March 31, CPA experts are on hand to answer your personal income tax filing questions.

http://moneymattersnj.com/resources/asktheexperts.cfm

============================================================

4. Vacation Planning 101

The calendar says it’s winter, but many of us are dreaming of spring break or summer excursions. Have you been surfing the Internet for that next great trip idea or deal?

Travel doesn’t have to break the bank; there are ways to save while having an adventure and creating memories.

http://www.moneymattersnj.com/story.cfm?SID=15561

============================================================

5. What Is the Kiddie Tax?

We all know that everyone has to file a tax return and pay their taxes, but does that apply to children, too? Many people may have heard of what is often referred to as the kiddie tax.

Find out who is subject to it and what it may mean for your family’s tax planning.

http://www.moneymattersnj.com/story.cfm?sid=15563

============================================================

6. Podcast: How to Get the Most for Your Auto Deduction

Wondering if you can deduct any auto-related expenses this year? Find out when parking, tolls and/or mileage can qualify as deductible expenses.

http://www.moneymattersnj.com/story.cfm?sid=15568

============================================================

7. Keeping Your Small Business Finances in Order

Smart financial management plays a critical role in a business’ success or failure, and it doesn’t have to be complicated. Any small business owner can develop a sound plan.

Here are the experts’ top tips for success.

http://www.moneymattersnj.com/story.cfm?SID=15560

============================================================

8. Tax Tips for Military Personnel

Are you or a loved one serving in the military? If so, you should be aware that there are many tax laws designed to make it easier to meet your tax obligations while serving your country.

http://moneymattersnj.com/story.cfm?sid=15562

============================================================

E-CPA is a monthly email publication provided by

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar

3. Annual Financial Education Conference

4. Creating Financial Resolutions for the New Year

5. Podcast: Having a Tax Planning Checklist

6. Five Mistakes People Make in Choosing a Tax Preparer

7. Bank or Credit Union?

8. Tax and Other Financial Considerations After a Natural Disaster

===========================================================

1. WARHAFTIG & ASSOCIATES, CPA UPDATE.

Please remember, if you are in need of any financial and/or tax advice during the course of the year, feel free to call to make an appointment.

It is that time a year again…over the next few weeks, you will be receiving a number of tax documents in the mail for you to prepare your tax returns. Other than tax statements from stock and mutual fund companies, all other tax documents must be placed in the mail no later than January 31, 2012. Remember to wait until you have received everything before calling for an appointment. If you are unsure of what you had last year, please feel free to call.

===========================================================

2. IMPORTANT DATES – MARK YOUR CALENDAR

Did you have a “side job” during the course of the year? If so, you might owe taxes come tax season…find out if you need to make an estimated tax payment remember that they are due on January 15th. Also, if you paid someone more than $600 during the course of the year for your business, you will need to send them a 1099-MISC. If you need assistance in preparing this, please feel free to call. These must be sent out prior to January 31, 2012.

Moving from one job to another, do you want to move your 401k but need some advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

===========================================================

3. Annual Financial Education Conference

The annual “Do It Herself: A Journey to Financial Freedom” conference for women is being held on Saturday, January 28, at Caldwell College. Featuring CNBC’s Sharon Epperson, conference topics include Estate Planning, Budgeting, Investing, Understanding Your Credit Score, Tax Tips and more.

http://moneymattersnj.com/resources/event.cfm?eventid=107

============================================================

4. Creating Financial Resolutions for the New Year

With the New Year here, now is the perfect time to make some financial resolutions to help you ring in 2012 with confidence. While increasing savings and decreasing spending are always important goals and a great place to start, don’t feel like you have to stop there.

http://www.moneymattersnj.com/story.cfm?SID=15544

============================================================

5. Podcast: Having a Tax Planning Checklist

How many times have you asked yourself, “Have I got EVERYTHING I need to do my taxes?” This podcast covers all the data you might need and what you should do with it.

http://www.moneymattersnj.com/story.cfm?sid=14577

============================================================

6. Five Mistakes People Make in Choosing a Tax Preparer

It’s important to choose a tax preparer who really knows his or her stuff. Here are common mistakes people make along with some helpful solutions.

http://www.moneymattersnj.com/story.cfm?sid=15541

============================================================

7. Bank or Credit Union?

Before you move your money from one to another, it’s important to understand the differences between banks and credit unions.

http://www.moneymattersnj.com/story.cfm?SID=15543

============================================================

8. Tax and Other Financial Considerations After a Natural Disaster

If you were affected by a natural disaster in 2011, you should be aware of Internal Revenue Service rules on casualty losses, as well as other financial considerations.

http://www.moneymattersnj.com/story.cfm?sid=15542

=============================================================

E-CPA is a monthly email publication provided by

WARHAFTIG & ASSOCIATES, CPA

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar

3. 2012 Financial Fitness Calendar Now Available

4. How to Shop Online Safely This Holiday Season

5. Five Questions to Ask Your Favorite Charity

6. Podcast: Avoiding Tax Scams

7. How to Spend Your Money in Retirement

8. Understanding Medicare

===========================================================

1. WARHAFTIG & ASSOCIATES, CPA UPDATE.

Please remember, if you are in need of any financial and/or tax advice during the course of the year, feel free to call to make an appointment.

Are you prepared for tax season? Not only should your tax accountant prepare for the season, so should you…

===========================================================

2. IMPORTANT DATES – MARK YOUR CALENDAR

Did you have a “side job” during the course of the year? If so, you might owe taxes come tax season…find out if you need to make an estimated tax payment remember that they are due on January 15th.

Moving from one job to another, do you want to move your 401k but need some advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

===========================================================

3. 2012 Financial Fitness Calendar Now Available

The New Jersey Society of CPAs is offering its 2012 Financial Fitness Calendar. This FREE calendar is an easy-to-follow resource guide, complete with handy tips and tools for improving your financial health. Request your free copy today!

http://www.moneymattersnj.com/resources/calendar.cfm

============================================================

4. How to Shop Online Safely This Holiday Season

The 2011 holiday season is in full swing, and shoppers are making online purchases in record numbers. With credit card numbers flying through cyberspace, follow these tips to protect your security and prevent an online Grinch from ruining your holidays.

http://www.moneymattersnj.com/story.cfm?sid=15535

============================================================

5. Five Questions to Ask Your Favorite Charity

It’s very gratifying to make donations to a worthy charity and know you’re making a difference. But whenever you make a gift, you also want to be sure that your money will be used wisely. Here are some questions to ask before you give.

http://www.moneymattersnj.com/story.cfm?sid=15537

============================================================

6. Podcast: Avoiding Tax Scams

As we approach another income tax filing season, taxpayers are cautioned to watch out for any fraudulent activity that could result in identity theft. Here are some tips on protecting your personal information, avoiding the most common types of tax scams and taking the appropriate steps if you think you’ve fallen victim to any kind of tax fraud.

http://www.moneymattersnj.com/story.cfm?sid=15533

============================================================

7. How to Spend Your Money in Retirement

The good news: We’re living longer. The bad news: We’ll need a way to pay our living expenses for our longer lives. How do you make sure your retirement income lasts as long as you do?

http://www.moneymattersnj.com/story.cfm?SID=15534

============================================================

8. Understanding Medicare

There have been some important changes in laws affecting Medicare during the past year, but some other aspects of the program remain the same. With a new wave of Baby Boomers reaching age 65 each year, here is some information to ensure your coverage and minimize potential added costs.

http://www.moneymattersnj.com/story.cfm?SID=15536

=============================================================

E-CPA is a monthly email publication provided by

WARHAFTIG & ASSOCIATES, CPA

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar

3. Tax Planning Steps to Take Now

4. Make Your Credit Card Work for You

5. Podcast: Fraud and the Elderly

6. Five Ways to Teach Kids Important Lessons About Money

7. Writing a Small Business Plan

===========================================================

1. WARHAFTIG & ASSOCIATES, CPA UPDATE

Please remember, if you are in need of any financial and/or tax advice during the course of the year, feel free to call to make an appointment.

As the end of the year approaches, tax planning is just as important as filing your taxes.
Call if you need some guidance.

===========================================================

2. IMPORTANT DATES – MARK YOUR CALENDAR

Did you have a “side job” during the course of the year? If so, you might owe taxes come tax season…find out if you need to make an estimated tax payment remember that they are due on January 15th.

Moving from one job to another, do you want to move your 401k but need some advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

===========================================================

3. Tax Planning Steps to Take Now

There are less than two months left in 2011. Have you done everything possible to simplify your tax situation and take advantage of all tax breaks available to you?

http://www.moneymattersnj.com/story.cfm?sid=15525

============================================================

4. Make Your Credit Card Work for You

If you’re like most people, your mailbox is overflowing with credit card offers. Before you shred the next batch, see what the credit card companies are offering these days. You might find a deal that’s better than what you already have.

http://www.moneymattersnj.com/story.cfm?sid=15527

============================================================

5. Podcast: Fraud and the Elderly

Seniors repeatedly fall prey to financial fraud, the fastest growing form of elder abuse. Find out what you can do now to protect yourself or your aging loved ones.

http://www.moneymattersnj.com/story.cfm?sid=15529

============================================================

6. Five Ways to Teach Kids Important Lessons About Money

Are you happy with your child’s understanding of money? Many people want to ensure their children learn positive values when it comes to money, but they are not sure how to instill these values.

http://www.moneymattersnj.com/story.cfm?SID=15526

============================================================

7. Writing a Small Business Plan
It’s exciting when you come up with a creative business concept and are ready to launch a new commercial endeavor. Planning and analysis are important first steps to laying the groundwork for success.
http://www.moneymattersnj.com/story.cfm?SID=15528

=============================================================

E-CPA is a monthly email publication provided by

WARHAFTIG & ASSOCIATES, CPA

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar

3. Go Green, Save Green

4. Podcast: Home Equity Loans

5. Tips for Saving Money on the First Year of College

6. Save Money This Winter by Cutting Your Home Heating Bills

7. What College Students Need to Know About Credit Cards

===========================================================

1. WARHAFTIG & ASSOCIATES, CPA UPDATE

Please remember, if you are in need of any financial and/or tax advice during the course of the year, feel free to call to make an appointment.

If you were affected by the recent floods and you did not receive any insurance/FEMA aid or not the full amount, please keep all records and receipts as you may be entitled to a tax deduction.

===========================================================

2. IMPORTANT DATES – MARK YOUR CALENDAR

Did you have a “side job” during the course of the year? If so, you might owe taxes come tax season…find out if you need to make an estimated tax payment remember that they are due on January 15th.

Moving from one job to another, do you want to move your 401k but need some advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

===========================================================

3. Go Green, Save Green

You may never have thought of yourself as the environmentally friendly type, but what if going green meant saving cash? Don’t worry, you don’t have to live in a sod house and compost while wearing knee-high rubber boots to impact your budget’s bottom line.

There are many simple ways to make changes, save money and help the environment at the same time.

http://www.moneymattersnj.com/story.cfm?sid=15521

============================================================

4. Podcast: Home Equity Loans

If you’re a homeowner wondering if a home equity loan is right for you, you’ll want to hear the advice of New Jersey Society of CPAs member Jeffrey Christakos, CPA. Also find out the difference between a home equity loan and a home equity line of credit.

http://www.moneymattersnj.com/story.cfm?sid=15523

============================================================

5. Tips for Saving Money on the First Year of College

Everyone knows that college tuition and fees are very expensive, but what about the many other costs associated with higher education, such as books, travel, dorm accessories and other college necessities? Here are some tips for saving on college expenses.

http://www.moneymattersnj.com/story.cfm?SID=15518

============================================================

6. Save Money This Winter by Cutting Your Home Heating Bills

The leaves are falling and so is the temperature. Ready to break out your flannel pajamas? While bundling up is a great idea when the temperatures dip, you can take some steps to winterize your home that will not only keep you warm, but also save you some money on your heating bills.

http://www.moneymattersnj.com/story.cfm?sid=15520

============================================================

7. What College Students Need to Know About Credit Cards

Whether young adults get a credit card now or later, it’s a good idea for them to learn good credit habits early. Here are some tips to avoid credit pitfalls.

http://www.moneymattersnj.com/story.cfm?SID=15519
=============================================================

E-CPA is a monthly email publication provided by

WARHAFTIG & ASSOCIATES, CPA

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar

3. Keeping Calm in a Crazy Market

4. Hurricane Irene Tax Relief

5. Five Smart Questions to Ask When Starting a Business

6. Financial Fraud and the Elderly

7. Retirement Planning Options for the Self-Employed

===========================================================

1. WARHAFTIG & ASSOCIATES, CPA UPDATE

Please remember, if you are in need of any financial and/or tax advice during the course
of the year, feel free to call to make an appointment.

If you were affected by the recent floods and you did not receive any insurance/FEMA
aid or not the full amount, please keep all records and receipts as you may be entitled
to a tax deduction.

===========================================================

2. IMPORTANT DATES – MARK YOUR CALENDAR

If you need to make estimated payments, remember that they are due on September 15th and January 15th.

Moving from one job to another, do you want to move your 401k but need some
advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

===========================================================

3. Keeping Calm in a Crazy Market

The Dow’s recent ups and downs are enough to cause even the most confident investor

concern. And although it may be tempting to panic and pull out of the stock market

entirely, it’s important to stay cool, calm and collected despite the market’s

unpredictability.

http://www.moneymattersnj.com/story.cfm?sid=15505

============================================================

4. Hurricane Irene Tax Relief

The IRS has announced tax relief for individuals and businesses in New Jersey, New York,

North Carolina, Connecticut, Vermont and Massachusetts that have been severely

impacted by Hurricane Irene.

http://www.njscpa.org/news/topics/irene

============================================================

5. Five Smart Questions to Ask When Starting a Business

Entrepreneurs launch roughly 600,000 new small businesses in the United States each year.

If you dream of running your own shop, ask these questions to be sure you get off on the

right foot.

http://www.moneymattersnj.com/story.cfm?sid=15512

============================================================

6. Financial Fraud and the Elderly

Financial fraud affecting the nation’s elderly population isn’t merely a story you see on the

evening news. It’s a growing problem, and statistically, it could happen to you or someone

you know.

http://www.moneymattersnj.com/story.cfm?sid=15514

============================================================

7. Retirement Planning Options for the Self-Employed

More than 9 million self-employed people are not covered by a retirement plan. The New

Jersey Society of CPAs offers some perspective and explains some retirement savings

options for the self-employed.

http://www.moneymattersnj.com/story.cfm?sid=15511
=============================================================

E-CPA is a monthly email publication provided by

WARHAFTIG & ASSOCIATES, CPA

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar

3. How’s Your Financial Health?

4. Five Questions to Ask in Your Financial Tune Up

5. Podcast: Mutual Fund Expenses

6. Financing a College Education

7. What to Do When You’re Out of Financial Options

===========================================================

1. WARHAFTIG & ASSOCIATES, CPA UPDATE

Please remember, if you are in need of any financial and/or tax advice during the course
of the year, feel free to call to make an appointment.

===========================================================

2. IMPORTANT DATES – MARK YOUR CALENDAR

If you need to make estimated payments, remember that they are due on September 15th and January 15th.

Moving from one job to another, do you want to move your 401k but need some
advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

===========================================================

3. How’s Your Financial Health?

Many people forget to take stock of their financial situations during their busy schedules.

But you should have an annual financial check up to be sure that you’re making smart

money choices and staying on track to meet your short- and long-term financial goals.

http://www.moneymattersnj.com/story.cfm?sid=15489

============================================================

4. Five Questions to Ask in Your Financial Tune Up

Everyone knows that it’s important to get your oil changed regularly and keep your

tires properly inflated, but have you thought about performing maintenance on your

finances?

http://www.moneymattersnj.com/story.cfm?sid=15488

============================================================

5. Podcast: Mutual Fund Expenses

Despite a surge of withdrawals during the height of past market uncertainties, mutual funds

remain very popular investment options. However, it’s important to understand the costs

associated with this type of investment, many of which may not be immediately apparent.

http://www.moneymattersnj.com/story.cfm?sid=15498

============================================================

6. Financing a College Education

It’s easy to postpone saving for college, but getting started now will help ease the sticker

shock of tuition when the time comes.

http://www.moneymattersnj.com/story.cfm?sid=15490

============================================================

7. What to Do When You’re Out of Financial Options

While the economy is showing faint signs of life, many people aren’t seeing a recovery in

their personal finances. While filing bankruptcy may seem like the only option left, it may

not be right for everyone. Know what’s right for you.

http://www.moneymattersnj.com/story.cfm?sid=15493

=============================================================

E-CPA is a monthly email publication provided by

WARHAFTIG & ASSOCIATES, CPA

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar

3. Smart Financial Steps for Unmarried Couples

4. Podcast: Travel Insurance

5. Understanding Mutual Fund Expenses

6. Child Off to College? A Checklist for Packing Money Management Skills

7. Prepare for Hurricanes, Disasters by Safeguarding Tax Records

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1. WARHAFTIG & ASSOCIATES, CPA UPDATE

Please remember, if you are in need of any financial and/or tax advice during the course
of the year, feel free to call to make an appointment.

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2. IMPORTANT DATES – MARK YOUR CALENDAR

If you need to make estimated payments, remember that they are due on June 15th,
September 15th and January 15th.

Moving from one job to another, do you want to move your 401k but need some
advice on how to move it, or even where to move it to, call for a consultation.

Please call if you have any questions or concerns.

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3. Smart Financial Steps for Unmarried Couples

U.S. Census Bureau figures show a recent increase in unmarried couples living together,

possibly due in part to job loss or other consequences of an uncertain economy. No

matter what brings them together, cohabiting couples have unique financial considerations.

http://www.moneymattersnj.com/story.cfm?sid=15471

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4. Podcast: Travel Insurance

If you’re planning a get-away this summer, you’ll want to hear the advice New Jersey

Society of CPAs member Douglas Schwartz, CPA, has to offer on travel insurance.

http://www.moneymattersnj.com/story.cfm?sid=15478

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5. Understanding Mutual Fund Expenses

Despite a surge of withdrawals during the height of past market uncertainties, mutual funds

still remain a popular investment option. If you are selecting a fund, it’s important to

understand the costs of investing, which may not always be immediately apparent.

http://www.moneymattersnj.com/story.cfm?sid=15469

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6. Child Off to College? A Checklist for Packing Money Management Skills

Among the books, computer, pens, towels and sheets your college-bound child takes to

school, remember to tuck in money-management essentials, too.

http://www.moneymattersnj.com/story.cfm?sid=15470

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7. Prepare for Hurricanes, Disasters by Safeguarding Tax Records

The 2011 hurricane season started June 1, and the Internal Revenue Service encourages

individuals and businesses to safeguard themselves against natural disasters by taking a
few simple steps.

http://www.moneymattersnj.com/story.cfm?sid=15462

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E-CPA is a monthly email publication provided by

WARHAFTIG & ASSOCIATES, CPA

64 Hickory Court

Jamesburg, NJ 08831

(732) 521-3694