November CPA eNewsletter

E-CPA – Novmeber 2011

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

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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.

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

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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.

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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

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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

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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

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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

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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

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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

October 2011 CPA eNewsletter

E-CPA – October 2011

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

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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.

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.

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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

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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

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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

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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

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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
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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

September 2011 CPA eNewsletter

E-CPA – September 2011

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

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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.

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

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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

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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

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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

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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
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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

August CPA eNewsletter

E-CPA – August 2011

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

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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.

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

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

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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

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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

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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

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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

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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

July 2011 CPA eNewsletter

E-CPA – July 2011

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

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

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 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.

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

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

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