Cultivating Wealth Blog
Tips and ideas to simplify your financial life
Is it time to leave NYC?
When is the last time you asked yourself this question? If you often ask yourself this question, you aren’t the only one. In fact, according to the US Census, New York lost approximately 180,000 residents last year, more than any other state. Why did they...
Can You Afford Private School?
School! It’s a topic that many New Yorkers have spent way too much time researching, thinking about and discussing at cocktail parties. In New York, the sheer number of options can make “the school decision” especially daunting. Many of our clients are considering...
Looking for a New Accountant? What to Ask Now
Tax return is now due Tax season is here again, and for many of my clients, that means it’s time to reach out to your CPA – or to find one if you haven’t yet! But if you are looking for a (new) accountant, what should you ask him or her? Here are some questions to get...
Pros and Cons of Rising Interest Rates
The Fed raised the target interest rate four times in 2018, and another one to two raises could happen this year. Rising interest rates often make the news. But are they a good or a bad thing? It depends on your perspective. ...
The Difference Between Marginal and Average Tax Rates
You may have heard that the income tax rate on the highest earners is now 37%. Wow, does that mean if we make $500,000 we’ll pay $185,000 in federal income tax? Well, no. The rates you hear on the news are the top ...
Business and Personal: Keep ‘Em Separated
Are you running your personal and business expenses out of the same account? If so, you are not alone. I find that many freelancers, independent contractors, or entrepreneurs make the same financial mistake. Here are some of the benefits of separating your business...
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