Mahwah December 7, 2011 THE VILLADOM TIMES IV • Page 21 The Mahwah Branch of the Valley Hospital Auxiliary welcomes new members. The auxiliary, an active group of volunteers, combine social functions with fundraisers to benefit The Valley Hospital. This year’s auxiliary’s pledge will go the Maternal Fetal Medicine and the Maternal Child Health programs at Valley Hospital. Call (201) 684-1230. Members wanted Credit cards (continued from page 13) Avoid unnecessary fees. Make sure you understand any late payment or over-the-limit fees. You may also incur fees for cash advances and balance transfers. Some companies may even charge a fee if you pay by phone or online. Know the terms of your card and stick to them. Don’t just make the minimum payment. It may look great on paper that you only owe $25 for last month’s shopping spree, but ideally you will pay your bill off each month or pay as much of the total as you can so you are not incurring interest charges, which can really accumulate and are not generally tax deductible. Pay on time. Know when your payment is due and get that bill paid on time, allowing plenty of time for the mail to get there or for online transfers to take effect. On-time payments will keep you from incurring late fees, keep your interest to a minimum and keep your credit score looking good. Much has been written about the perils of credit cards and the debt people can amass by using them. However, credit cards can also provide some excellent benefits that can help you achieve your goals, whether that is travel or a little cash back in your pocket at the end of the month. If you need assistance from a CPA, you can easily locate one online using the NJSCPA’s free, online Find-A-CPA service. Just go to findacpa.org, and in a few clicks you can locate a highly qualified professional. The Mahwah Regional Chamber of Commerce’s 2011 Humanitarian of the Year, David Alai of Sharp Electronics Corporation, recently presented the Center for Food Action with a donation in support of CFA’s community efforts. Funds were raised at this year’s annual MRCC Golf Outing. Pictured at the presentation are: Sharon Rounds, MRCC executive director; Martha Harvey, MRCC assistant vice president of public relations; Peter Fenzel, MRCC senior vice president and golf co-chair; Stuart Rosenberg, MRCC golf vice president; David Alai, Sharp Electronic senior vice president and MRCC Humanitarian of the Year; Patricia Espy, Center for Food Action executive director; and Susan Lord, MRCC president. Founded in 1957, the Mahwah Regional Chamber of Commerce is a dynamic organization of more than 500 businesses, representing over 95 communities in the region. The Chamber’s membership includes retail, professional, service, and corporate businesses, both large and small. Chamber helps CFA help others