Cultivating Wealth Blog
Tips and ideas to simplify your financial life
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...
The Benefits of Benefits
"My new company gave me this big packet of benefits information. Should I sign up for the ..." Health Insurance? Company 401K? Group Life Insurance? Long Term Disability Insurance? Long Term Care Insurance? Transit Checks? Flexible Spending or Dependent Care Spending...
401K Options for Small Businesses
Too many small businesses skip offering a 401(k). They do this for a wide range of reasons, but more often than not fear is what’s getting in their way. Setting up a 401(k) is intimidating! Business owners who are already dealing with a full plate of to-do’s often...
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