Is a High Deductible Health Plan Right for You?

It’s open enrollment season!  Benefits enrollment periods typically run from late October to Mid-November for employees at many companies.  Your company may have many benefits to choose from, but the one I get the most questions about is High Deductible Health Plans, or HDHPs. What is a High Deductible Health Plan (HDHP)? A high deductible […]

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Divorce & Your Money: How is Child Support Calculated?

This is the eighth post in my “Divorce & Your Money” series. Child support is an important issue for any divorcing couple with children.  Parents need to know what to expect so they may plan for the future.   Here are the basic questions I hear from couples (in my state, New York) surrounding this issue:  […]

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Set a Fun Financial Goal

Financial planning can be kind of a drag.  Save for retirement.  Buy more insurance.  Save for college.  Pay off debt. Planning for death or disability is not exactly uplifting.  Wouldn’t it be nice if financial goals were a little more fun? Staying motivated is important so you don’t lose momentum in reaching your financial goals.  […]

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Divorce & Your Money: Real Estate

This is the eighth post in my “Divorce & Your Money” series.  “Who gets the house?” is the biggest question for many divorces.  Your answer comes down to three options:  Sell it now.  The couple could agree to put the house or apartment on the market, sell it, and split the proceeds 50/50 or otherwise.  […]

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Building Financial Confidence (My Video Debut!)

I was thrilled to recently be a part of “The Karen Walrond Show,” a web TV show with episodes at CafeMom.com. The topic of our discussion was “building financial confidence”.  Karen made the point – which I often find to be true – that many women handle their family’s day to day finances (like balancing […]

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Divorce & Your Money: Tax Issues

This is the seventh post in my “Divorce & Your Money” series. Taxes are never fun, but there are new things to consider when it comes to divorce. Filing Status If your divorce is final by the end of the year, you are considered unmarried for the entire year.  Your tax filing status would be […]

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September Garden Report

Just as I did for June, July and August, it’s time for another garden update.  Here’s what was happening in September: Tomatoes, tomatoes, tomatoes.  Finally some are starting to die off.  We pulled a half dozen and trimmed out the rest, but there’s still a bowlful of sungolds every morning and more on the vine.  […]

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Divorce & Your Money: Retirement Assets

This is the sixth post in my “Divorce & Your Money” series. Also watch this podcast interview on retirement assets and divorce.  For many, retirement savings in a 401(k) or IRA may be their biggest financial asset.  Here is a summary of retirement account basics and how they may be divided in the event of […]

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Company Stock in a Retirement Plan? Consider NUA

If you are changing jobs or retiring, and shares in your company stock are part of your retirement plan, you have an additional option to consider when you transfer this asset out of the company plan.  Net Unrealized Appreciation (NUA) is a strategy which may significantly reduce the tax liability on your retirement plan. What […]

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Divorce & Your Money: Liabilities

This is the fifth post in my “Divorce & Your Money” series. In addition to their assets, a divorcing couple must identify their financial debts or liabilities.  Division and responsibility for each will be part of their divorce settlement. Debt may have been part of the marriage, but hopefully it won’t be part of the […]

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