Off to College They Go

Off to College They Go by Fabienne Swartz

{2:14 minutes to read} Every August, anxious parents see their children off to college. In addition to learning about the psychological motivations of Grendel from Beowulf, they will also be learning about life. And that means they will become more independent from us, their parents.

[Read more…]

Letting Go: How Forgiving Others is a Gift to Yourself

Letting Go: How Forgiving Others is a Gift to Yourself by Fabienne Swartz

{2:06 minutes to read} Recently I was talking to someone who was having an emotional couple of weeks. After listening to her for some time, I saw something that I see often in people: not being able to let go and forgive.

[Read more…]

Did You Forget About Your Own Career During Your Marriage?

Did You Forget About Your Own Career During Your Marriage? by Fabienne Swartz

{3:15 minutes to read} Every divorce is unique. On one end of town, there may be a family struggling to make ends meet, who literally can’t afford to start the divorce process. On “the other side of the tracks,” there may be another family worth millions, thanks to the husband’s brilliant career, which was only made possible by the wife’s sacrifices. Unfortunately, the comfort that she enjoys is more like getting renovations done on a house that she’s renting; it may be nice while she lives there, but in the case of a divorce, she would have to move out and the landlord (her husband) will enjoy the spoils of her toils. 

[Read more…]

New York’s Dollar-For-Dollar Room and Board Credit for College Students

New York’s Dollar-For-Dollar Room and Board Credit for College Students by Fabienne Swartz

{4:27 minutes to read} I have long been suspicious of the way New York considers the issue of college room and board as it relates to child support: Currently, the non-custodial parent is permitted to deduct the entire amount of college room and board paid. This is known as a “dollar-for-dollar” credit, which gets offset from child support payments while that child is attending classes. And that amounts to the custodial parent footing the bill for the child’s food and shelter in college.

[Read more…]

Hidden Figures: When the Numbers Tell You Something You Don’t Want to Hear

Hidden Figures: When the Numbers Tell You Something You Don’t Want to Hear by Fabienne Swartz

{3:30 minutes to read} A friend of mine has a problem. She is in the middle of a divorce, yet she remains wedded to a lifestyle she can no longer afford. The bulk of the expenses she is claiming are what I would consider unnecessary, like:

  • Retaining a full-time housekeeper;
  • Outfitting her children with designer clothes;
  • Driving a high-end, German car;
  • Grocery shopping at Whole Foods; and 
  • Monthly clothing budget in excess of what many people earn in a month.

Divorce is difficult, and one of the most difficult things about it is figuring out how to pay for two households when there was once only one. In 99% of divorces, the discretionary cash decreases as a result, but that does not mean the quality of life needs to decrease.

[Read more…]

Multilevel Marketing: A Viable Option for Busy Moms and Dads

Multilevel Marketing: A Viable Option for Busy Moms and Dads by Fabienne Swartz

{3:29 minutes to read} Network marketing, or multilevel marketing (MLM), is a type of direct-to-consumer business that relies on a decentralized network of sales representatives to market a product. MLM companies generally have no fixed hours like a traditional 9-5 job, which presents a viable income source for families with young children—as well as retirees living on a fixed income.

[Read more…]

Practicing Gratitude

Practicing Gratitude by Fabienne Swartz

The holidays are the perfect time to reflect upon our many blessings, but gratitude is best practiced on a daily basis. In this post, I aim to do something different: offer my own experiences reflecting on my life. 

[Read more…]

Understanding and Improving Your Credit Score

Understanding and Improving Your Credit Score by Fabienne Swartz

Source: myfico.com

{4:46 minutes to read} In today’s world, it is vital to have as many financial resources as possible. Credit cards are often lifesavers, making it possible to catch a last-minute flight or even get an extended-stay suite. An important step to standing on your own and becoming financially strong is establishing your credit as an individual—something that can be done only with time and patience, and with the wise utilization of credit accounts. So what goes into your credit rating, and how do you make it better?

[Read more…]

May/December Relationships: How Will Your Age Difference Define Your Financial Future?

May/December Relationships: How Will Your Age Difference Define Your Financial Future? by Fabienne Swartz

{2:15 minutes to read} One of the most fascinating aspects of humanity is the fact that no two people are exactly alike. We all have different tastes and priorities—and sometimes a lack of priorities.

[Read more…]

It’s Who You Know

It’s Who You Know By Fabienne Swartz

{3:40 minutes to read}

Some specialized areas of divorce are better left to experts.

When I first meet a client and her/his attorney, we go through something called the discovery phase. The aim of the discovery phase is for each side to gather the necessary information to negotiate the financial part of their divorce agreement. As a Certified Divorce Financial Analyst (CDFA), I can:

  • Help find hidden assets;
  • Trace money; and
  • Forecast monthly and annual payments over several years.

[Read more…]

ERROR: 8 - CURL error: Could not resolve host: https (Domain name not found)