• “Failing to Save for Bad Times: ...New York is being forced to increase payroll taxes by $300 million a year so the unemployment fund does not go dry.” New York Times, February 6, 2002 •  Join Unemployment Services Trust -- a service for not-for-profits:     -Earn 50% savings from NY State rates in      year 1;     -Begin earning experience credits after year       3.     -Stop paying high rates and begin earning an       investment. •  Unemployment Services Trust is a Grantor Trust, created, managed, and owned by its 1,900+ member nonprofit agencies. Its sole purpose is to lower unemployment costs for its members. •  A Federal law passed in 1972 allows 501(c)(3)s to opt out of the state tax-rated unemployment system and by joining the Trust, save 30-50% on unemployment costs.