Cultivating Wealth Blog
Tips and ideas to simplify your financial life
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...
What is Socially Responsible Investing?
Would you like to invest in companies which share your social or environmental goals? Are you concerned about indirectly supporting a industry or company you disagree with? If so, you may be interested in a movement known as “socially responsible investing”, also...
Smart Saving for School
If you have kids, you know that education is going to cost serious money. In fact: Daycare & Preschool can cost $1500-2500 per month. Private Primary and Secondary school in New York City can cost almost $40,000 per year. College expenses have increased at...
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