April 2009 E-CPA Newsletter

E-CPA – April 2009

BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update

2. Important Dates – Mark Your Calendar
3. Dealing with Debt Collectors
4. This Month’s Podcast: HSAs Versus FSAs
5. Helping Aging Relatives in Tough Economic Times
6. Financial Advice for New Parents
7. Three Scams to Avoid in Tough Times
8. How to Blow Your Credit Limit – Without Spending

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1. WARHAFTIG & ASSOCIATES, CPA UPDATE

On behalf of Deanna and myself, we would like to thank all of our clients
that used our services during this season.
We hope to see you all next season, but also if you need financial services
during the year, please do not hesitate to give us a call or drop us an e-mail.

Past e-Newsletters can be seen on our blog via our website at
www.warhaftigassociates.com

Also, as the mortgage crisis continues, I have heard a number of people say
that they are having trouble with their current mortgage. To help with this, I am
happy to refer you to Dione LeBlanc who is helping a lot of homeowners “modify”
their mortgages into a better situation.
You can call her at (732) 773-9330 or e-mail her at
dionneleblanc@certifiedmod.com

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2. IMPORTANT DATES – MARK YOUR CALENDAR
April 15th is pretty much here…if you have filed an extension and would like us
to prepare your return, please drop us a line.

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3. DEALING WITH DEBT COLLECTORS
It’s not uncommon to fall behind on debt payments,
particularly in a troubled economy. If you have missed
payments on your mortgage, credit card or other outstanding
debt, you may hear from a debt collector. Here’s some advice
on how to deal with collection agencies if you find yourself
in this situation.
http://www.moneymattersnj.com/story.cfm?SID=13795

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4. THIS MONTH’S PODCAST: HSAs VERSUS FSAs
Health Savings Accounts (HSAs) share some similarities with
Flexible Spending Accounts (FSAs) and other medical spending
accounts, but there are important differences. Hear from an
expert about how ownership, savings, spending and claims
differ across these accounts and learn the best option for
your situation.
http://www.moneymattersnj.com/story.cfm?sid=13803

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5. HELPING AGING RELATIVES IN TOUGH ECONOMIC TIMES
The downturn in the economy has taken a toll on everyone,
but senior citizens are often hardest hit. Here’s some
advice on how to help your parents or other aging relatives
weather a recession.
http://www.moneymattersnj.com/story.cfm?sid=13796

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6. FINANCIAL ADVICE FOR NEW PARENTS
A new baby is a joyous addition to any family. But children
also bring added financial responsibilities for new parents.
Here’s some advice on making the right financial choices for
your growing family.
http://www.moneymattersnj.com/story.cfm?sid=13797

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7. THREE SCAMS TO AVOID IN TOUGH TIMES
Many people have lost their jobs in the last few months as
the economy falters. Scam artists are still fully employed,
however, in good times and bad. Learn the tell-tale signs of
three common financial scams.
http://www.moneymattersnj.com/story.cfm?SID=13798

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8. HOW TO BLOW YOUR CREDIT LIMIT – WITHOUT SPENDING
If you haven’t had the credit limit cut on your credit card
recently, consider yourself lucky. Risk-averse card issuers
are increasingly cutting cardholder’s limits – sometimes to
amounts below what the cardholder currently owes.
http://www.smartmoney.com/spending/deals/card-issuers-will-not-hesitate-to-slash-your-credit-line/

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(732) 521-3694

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