BROUGHT TO YOU BY WARHAFTIG & ASSOCIATES, CPA

INSIDE THIS ISSUE:

1. WARHAFTIG & ASSOCIATES, CPA Update
2. Important Dates – Mark Your Calendar
3. Refinancing Your Home
4. Don’t Be Swamped by Student Loan Debt
5. Financial Planning for Same-Sex Couples After the DOMA Decision
6. College Student Budgeting 101

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

1. WARHAFTIG & ASSOCIATES, CPA UPDATE.

Now that tax season is done and over with, it is never too early to review your tax position

for 2013.

If you are interested in creating a financial budget, please call or e-mail to set up a time to

review. It is never too early to get yourself on the right financial path.

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

2. IMPORTANT DATES – MARK YOUR CALENDAR

Please remember, if you need to make estimated payments, they are due by

September 15th and January 15th. Don’t get caught with taxes due when preparing

your returns.

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

3. Refinancing Your Home
Your home is your most valuable asset, so it’s smart to consider refinancing if the numbers work out. In the short term, you may be able to reduce your payment. But the real benefit may be in the long term with a lower interest rate.
http://www.moneymattersnj.com/story.cfm?SID=15808

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

4. Don’t Be Swamped by Student Loan Debt
It’s common knowledge that the cost of higher education has skyrocketed over the years and that many students end up struggling with a mountain of student loan debt once they graduate. If you’re concerned about runaway college costs, here’s some advice.
http://www.moneymattersnj.com/story.cfm?SID=15810

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5. Financial Planning for Same-Sex Couples After the DOMA Decision
In June, the U.S. Supreme Court declared the Defense of Marriage Act (DOMA) unconstitutional, a decision that has sweeping financial implications for same-sex couples who were married in states that recognize same-sex marriage. These couples should consider both the immediate and long-term impacts of the ruling. Here are some of the questions they should be asking.
http://www.moneymattersnj.com/story.cfm?SID=15809

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6. College Student Budgeting 101
College students are heading back to campus, their bank accounts replenished with summer job money and possibly student loan funds. Will it be enough to last all year? There are ways to improve the odds.
http://moneymattersnj.com/story.cfm?SID=15807

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

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. Planning a Budget-Friendly Vacation
4. The Rising Cost of Day Care
5. How Much Is Technology Costing You?
6. Job Search Expenses May Lower Your Taxes

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

1. WARHAFTIG & ASSOCIATES, CPA UPDATE.

Now that tax season is done and over with, it is never too early to review your tax position

for 2013.

If you are interested in creating a financial budget, please call or e-mail to set up a time to

review. It is never too early to get yourself on the right financial path.

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

2. IMPORTANT DATES – MARK YOUR CALENDAR

Please remember, if you need to make estimated payments, they are due by

September 15th and January 15th. Don’t get caught with taxes due when preparing

your returns.

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

3. Planning a Budget-Friendly Vacation

Whether you’re heading to the beach, the mountains or even abroad, you’ll want to find the best bang for your vacation buck.
http://www.moneymattersnj.com/story.cfm?SID=15799

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

4. The Rising Cost of Day Care

The cost of childcare in the U.S. has climbed dramatically over the last three decades. Unfortunately, wages aren’t keeping pace with the skyrocketing increases, and working parents are struggling to keep up.
http://www.moneymattersnj.com/story.cfm?SID=15798

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5. How Much Is Technology Costing You?

How much do you spend on technology each month? Technology, and mobile devices in particular, can definitely make your life easier, but they also add to your regular expenses. Here are some insights on technology spending and how to keep it in check.
http://www.moneymattersnj.com/story.cfm?SID=15797

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

6. Job Search Expenses May Lower Your Taxes

If you’re looking for a new job in your same line of work, you may be able to claim a tax deduction for some of your job hunting expenses. http://moneymattersnj.com/story.cfm?SID=15802

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

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. Give the Gift of Financial Planning
4. Using an Allowance to Teach Financial Lessons
5. Tax Tips for Newlyweds
6. Growing Your Small Business

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

1. WARHAFTIG & ASSOCIATES, CPA UPDATE.

Now that tax season is done and over with, it is never too early to review your tax position

for 2013.

If you are interested in creating a financial budget, please call or e-mail to set up a time to

review. It is never too early to get yourself on the right financial path.

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

2. IMPORTANT DATES – MARK YOUR CALENDAR

Please remember, if you need to make estimated payments, they are due by June 15th,

September 15th and January 15th. Don’t get caught with taxes due when preparing

your returns.

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

3. Give the Gift of Financial Planning

June means longer days, the start of summer and invitations to weddings, graduation parties and maybe a baby shower or two. Stuck for gift ideas for newlyweds, graduates or new parents? Consider something nontraditional that will last a lifetime and never go out of style: a visit with a financial planner.

http://www.moneymattersnj.com/story.cfm?SID=15793

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

4. Using an Allowance to Teach Financial Lessons

An allowance for kids is a fact of life in most American households. There are steps parents can take to ensure that their children are learning some financial lessons when they get their allowances to make the whole experience much more valuable.

http://www.moneymattersnj.com/story.cfm?SID=15794

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

5. Tax Tips for Newlyweds

June is traditionally a time when couples tie the knot and, as is the case with many of life’s milestones, all newlyweds should be aware of the tax considerations of marriage. If you or a loved one are planning nuptials, here’s some advice on addressing the tax

http://www.moneymattersnj.com/story.cfm?SID=15795

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6. Growing Your Small Business

Small businesses are the backbone of America’s economy. But many successful small businesses make the leap and become big businesses. Opportunities for growth await small business owners who are ready to take their companies to the next level. Planning and preparation are keys to growing your business the right way.

http://moneymattersnj.com/story.cfm?SID=15792
============================================================

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. The American Taxpayer Relief Act: What It Means to Your Wallet
4. What to Do When Friends or Family Ask for Money
5. Need Help Sticking to Your Financial New Year’s Resolutions?
6. Avoiding Scams When a Disaster Strikes

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

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

Tax season is now in full swing, please call or e-mail to make an appointment.

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

3. The American Taxpayer Relief Act: What It Means to Your Wallet
The American Taxpayer Relief Act contains provisions that impact nearly every taxpayer, not just the high earners. Don’t miss out on some now-permanent deductions that could help lower your tax liability.
http://moneymattersnj.com/story.cfm?SID=15712

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

4. What to Do When Friends or Family Ask for Money
It’s natural to want to help friends or family members when they need financial assistance. But be careful. Money can drive a wedge into friendships and family relationships. And there are tax-related considerations.
http://www.moneymattersnj.com/story.cfm?sid=15711

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5. Need Help Sticking to Your Financial New Year’s Resolutions?
Over the past five years, 43 percent of those who set finance-related New Year’s resolutions failed to achieve them or to sustain their success. If you have broken some of your financial resolutions, or are worried you will, here are some practical tips. http://www.moneymattersnj.com/story.cfm?sid=15714

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

6. Avoiding Scams When a Disaster Strikes
Many people come forward to help the victims of a disaster. Unfortunately, however, these emergencies also bring out con artists who seek to exploit the situation using illegal scams. Here are some steps to take to avoid being conned whenever a disaster strikes. http://www.moneymattersnj.com/story.cfm?sid=15713

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

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. Dealing with Tax Filing and Payment Problems
4. Protecting Your Financial Life in Case of Disaster
5. All About Audits

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

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

The IRS has indicated that they will begin to accept returns as of January 30, 2013. Tax returns are due as of April 15, 2013. Once you have received all of your tax documents, please feel free to contact us to make an appointment to have your taxes prepared.

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

3. Dealing with Tax Filing and Payment Problems
Tax season is just around the corner. Few people look forward to it, but those who are concerned they may owe taxes approach this time with particular apprehension. There are options for those who need more time to file their returns or who are having trouble paying what they owe.

http://www.moneymattersnj.com/story.cfm?sid=15705

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

4. Protecting Your Financial Life in Case of Disaster
Would you be prepared to keep your financial life on an even keel in the event of an emergency? Hurricane Sandy and other recent disasters underscore the importance of planning ahead. Here are some tips to help ensure you have your bases covered in case a crisis occurs.

http://www.moneymattersnj.com/story.cfm?sid=15704

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5. All About Audits
Few words in the English language set off alarm bells like the word “audit.” The good news is there are ways to reduce the likelihood the Internal Revenue Service will select you for an audit. But if a letter from the IRS does appear in your mailbox, don’t panic. \

http://www.moneymattersnj.com/story.cfm?sid=15706
============================================================

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. Have You Had the (Financial) Talk with Your Kids?
4. Life After Bankruptcy
5. Don’t Make These Three Common Small Business Mistakes
6. Avoiding Family Business Conflicts

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

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

Estimated Payments might be required by the IRS and the State if you owed money in the previous year. Don’t get caught with penalties and interest on your next year’s return when you don’t need to.

Please call if you have any questions or concerns.

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

3. Have You Had the (Financial) Talk with Your Kids?
Back-to-school time is here. Your kids will take part in the annual spend-a-thon for school supplies and new clothes, so take this opportunity to talk to them about important financial matters.
http://moneymattersnj.com/story.cfm?SID=15680

SEE ALSO:
* Podcast: Teaching Your Children About Money –
http://www.moneymattersnj.com/story.cfm?sid=13251

* Money As You Grow – 20 Things Kids Need to Know to Live Financially Smart Lives – http://www.moneyasyougrow.org

* Survey Reveals What Parents Pay Kids for Allowance, Grades – http://www.moneymattersnj.com/story.cfm?sid=15672

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

4. Life After Bankruptcy
If you’ve filed for bankruptcy, it may feel like your financial future is doomed. While you will face challenges, you can chart a new financial course with a commitment to educating yourself, becoming more disciplined with your money and credit, and learning a few lessons along the way.
http://www.moneymattersnj.com/story.cfm?sid=15681

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

5. Don’t Make These Three Common Small Business Mistakes
If you are a small business owner or have plans to be one, read these critical tips for avoiding three common mistakes.
http://www.moneymattersnj.com/story.cfm?sid=15679

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

6. Avoiding Family Business Conflicts
If you’re involved in a family business, learn how to sidestep some of the common internal squabbles that can affect your company.
http://www.moneymattersnj.com/story.cfm?sid=15677
============================================================

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. Don’t Miss Out on Free Stuff (and Great Bargains)
4. NJ Property Tax Reimbursement Checks on the Way
5. Credit Cards 101
6. Live Well in Retirement
7. It’s College Textbook Time

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

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

Estimated Payments might be required by the IRS and the State if you owed money in the previous year. Don’t get caught with penalties and interest on your next year’s return when you don’t need to.

Please call if you have any questions or concerns.

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

3. Don’t Miss Out on Free Stuff (and Great Bargains)

Are you taking advantage of offers for discounts or free merchandise? Many people are watching their spending these days, and your dollar will go a lot farther if you can get more for less money. Here are some tips on how to do it.

http://moneymattersnj.com/story.cfm?SID=15664

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4. NJ Property Tax Reimbursement Checks on the Way

The New Jersey Division of Taxation has mailed Senior Freeze checks worth $195 million to 163,000 senior and disabled homeowners around the state. This year’s Senior Freeze checks average almost $1,200 per recipient.

http://www.moneymattersnj.com/story.cfm?sid=15662

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5. Credit Cards 101

On-campus credit card offers are tempting, and it may seem like free money, but they can spell disaster. Used correctly, credit cards can help build a solid credit report. Used incorrectly, credit cards can leave students with a financial burden that can last long after graduation.

http://www.moneymattersnj.com/story.cfm?sid=15665

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6. Live Well in Retirement

Are you concerned about being able to pay for a secure and happy retirement? You can make some smart choices in order to live well on a fixed retirement budget.

http://www.moneymattersnj.com/story.cfm?sid=15663

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

7. It’s College Textbook Time

The average estimated cost per student for textbooks for the 21012/13 academic year is $1,121. To save money, there are many different options for students to consider, including renting rather than purchasing.

http://www.moneymattersnj.com/story.cfm?sid=15666

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

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. Buying or Renting Your Next Home
4. Financial Tips for Single People
5. Podcast: Financial Advice for Couples
6. Avoiding an Early-Withdrawal Penalty on Retirement Plans

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

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

Estimated Payments might be required by the IRS and the State if you owed money in the previous year. Don’t get caught with penalties and interest on your next year’s return when you don’t need to.

Please call if you have any questions or concerns.

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

3. Buying or Renting Your Next Home
You’ve seen for sale signs on houses around town, and they’ve got you thinking. Maybe now is the time to declare independence from your landlord and purchase your own home. Buying a house will be the largest investment most people ever make. Before you look for a house, analyze whether renting or buying makes the most sense.

http://moneymattersnj.com/story.cfm?SID=15652

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

4. Financial Tips for Single People
Almost half of all adult Americans — nearly 100 million people — either have never been married or are divorced or widowed. Many of these people incorrectly decide that financial planning is something that only married people do, but it’s always advisable for everyone to make sound financial decisions that will pay off now and in the future.

http://www.moneymattersnj.com/story.cfm?sid=15653

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

5. Podcast: Financial Advice for Couples
Couples need to learn how to handle money situations together — from paying for their wedding to tax planning to maintaining a household budget. But men and women often find it difficult to talk honestly about their financial goals. Try following these steps to get the conversation started.

http://moneymattersnj.com/story.cfm?sid=13284

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6. Avoiding an Early-Withdrawal Penalty on Retirement Plans
The money that you’ve accumulated in a retirement savings account can look awfully tempting at times. If you feel you have no choice but to withdraw from a retirement account, you may find that it’s a costly option because of the potential taxes and penalties involved. Be sure you understand the price you’ll have to pay and the exceptions to the rules.

http://www.moneymattersnj.com/story.cfm?sid=15649

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

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. Webinar: Understanding Your Credit Score and Credit Report
4. Podcast: Travel Insurance
5. Long-Term Care Insurance
6. Home Parties and Direct Sale

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

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

Estimated Payments might be required by the IRS and the State if you owed money in the previous year. Don’t get caught with penalties and interest on your next year’s return when you don’t need to.

Please call if you have any questions or concerns.

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

3. Webinar: Understanding Your Credit Score and Credit Report

Your FICO score: one simple three-digit number between 300 and 850 that could stand between you and a car loan or home mortgage. At this free webinar at June 21, learn how your score is calculated, where you can access it and how to interpret it.

http://moneymattersnj.com/resources/event.cfm?eventid=113

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4. Podcast: Travel Insurance

If you’re planning a getaway 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. Long-Term Care Insurance

Long-term care insurance pays for your care in many settings, such as at a home, nursing home, assisted living facility or adult day care, should you suffer from an illness or injury. Sounds like something only older people need to worry about, right? Wrong.

http://www.moneymattersnj.com/story.cfm?sid=15646

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6. Home Parties and Direct Sales

We’ve all been invited to home parties. It’s a fun way to hang out with friends, drink some wine and shop in a relaxed environment. Are you thinking about selling something, too? What will you sell? How do you know a business is legitimate so that you and your party guests won’t get ripped off?

http://moneymattersnj.com/story.cfm?SID=15645

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

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. 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

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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

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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

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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

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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