28 THE COURIER SUN • BANKING & FINANCE • APRIL 11, 2013 FOR BREAKING NEWS VISIT www.couriersun.com banking & fi nance s 2013 Estate Tax Law Changes-Are You At Risk? Costly Mistakes You Cannot Afford to Make! Come to a Free Workshop on Wills Living Trusts & Medicaid Planning At the workshop, we will discuss several issues, including: -The advantages and disadvantage of Wills and Living Trusts -How to plan before you need Long Term Care -How to protect your children’s inheritance from future ex-spouses, lawsuits and other claims Seating is Limited. Refreshments Served. Call now to reserve your seat 718-275-7779 Tuesday- March 5th, 2013 Time: 1:00-3:00 pm Wednesday- March 20th, 2013 Time: 6:30-8:30 pm Presented By Monday- March 4th, 2013 Time: 6:30-8:30 pm Thursday-March 7th, 2013 Time: 1:00-3:00 pm Wednesday-March 6th, 2013 Time: 6:30 -8:30 p.m. Thursday- March 21st, 2013 Time: 11:00-1:00 pm Law Firm of Albert Cohen, P.C. 104-70 Queens Blvd., Suite 312, Forest Hills, NY 11375 718-275-7779 Adrian& Rocky’s Catering EXPERIENCE “The Original” “For The Very BesT In BuFFeT sTyle CaTerIng” CATERING FOR ALL OCCASIONS Planning a Party? Our Specialties • Business Meetings • Engagement Parties • Cocktail Parties • BBQ’s • Christenings • Communions • Anniversaries • Showers • Sweet 16’s • Graduations • Funerals Bartending & Waitress service availaBle! Call 718.845.5525 or Fax 718.845.5643 132-08 Cross Bay Boulevard • Ozone Park Visit us at www.adriansCaterers.Com All Major Credit Cards Accepted • DELIVERY IS FREE OF CHARGE WITH ALL CATERING PACKAGES Free And Open To The Public Serving QueenS for over 20 YearS www.cohenestateplanning.com The Annual Scott Joplin Memorial Concert and BBQ at St. Michael's Cemetery will be held this year on May 25 at 2 p.m. St. Michael’s is dedicated to the celebration of life. St. Michael’s continues to be an active participant in the lives of the citizens of New York as it has been since 1852. For further information contact Ed Horn, Director at (718) 278 3240. Refreshments provided by Gus Antonopoulos of Farenga Funeral Home, George Stamatiades of Thomas M. Quinn & Sons Funeral Home and David Funeral Home, Drago Funeral Home and John Golden of Martin Gleason Funeral Home. RSVP (718) 278-3240 72-02 Astoria Boulevard • East Elmhurst, NY • 718.278.3240 Established in 2000 BUDGETING 101: HOW NEW GRADUATES CAN CONQUER CHALLENGES Spring is the perfect time for young Americans to take a look at their budgets and become fi nancially fi t. Not only is April Financial Literacy Month, complete with nonprofi t organizations around the country offering free seminars and online resources, but millions of high school and college students are also preparing for graduation and the next phase of their lives. But are new grads ready for the fi nancial challenges that lay ahead? The average student loan debt for borrowers in the college class of 2011 was about $26,500, according to a report by the Institute for College Access and Success’s Project on Student Debt. While the National Association of Colleges and Employers projects that 2013 college graduate hiring will increase about 13 percent, budgeting for the start of a new career can be overwhelming. Budgeting money from that part-time job at the mall for movie tickets and other entertainment expenses is quickly replaced by rent, utilities, food and transportation costs as well as student loan payments. Fortunately, many tools and tips are available for new graduates to get started with budgeting and saving. Microsoft Offi ce offers a free personal budget worksheet to help track income and expenses each month. Several organizations offer free tips for saving money and budgeting on a lower income, which is typical for entry-level jobs. “Effective budgeting and saving is essential for young adults to reach their personal and professional goals,” says Matt Chevalier, senior vice president for TD Bank. “Being able to afford everyday living expenses, transportation to work, and essential insurance coverage all begins with understanding your income, your expenses and how and where to save money.” The not-so-obvious expenses Recent graduates must also prepare for those under-the-radar expenses, such as auto insurance premiums, health insurance contributions and banking costs. While in school, most students can stay on their parents’ or guardians’ auto and health insurance plans, but not long after graduation, they will be required to purchase their own plans, either independently or through their employer. Student bank accounts can also change soon after graduation, but many banks, such as TD Bank, feature a checking account selector tool that compares checking account options to best fi t customers’ needs and help them save money on fees. To help facilitate saving, new grads should set up direct deposit with their employer and connect a savings or money market account to their checking account, automatically transferring a manageable amount from each paycheck to build savings. Courtesy BPT
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