Hot Take: Don’t Charge Your Kindergartner Rent By Judy Heft

Hot Take: Don’t Charge Your Kindergartner Rent

Recently a mom from Georgia’s Facebook post went viral. In it, she explains that she gives her five-year-old daughter a $7 allowance, but takes most of it back: “...I make her give me $5 back. $1 for rent $1 for water $1 for electricity $1 for cable and $1 for… Continue Reading..
529 Plans 101 By Judy Heft

529 Plans 101

Right about now young couples across the region are trying to figure out what to do with all the gift money their kids received. Many simply stick it into bonds and savings accounts, but there is a tax-advantaged way to hold on to more of that money — if you… Continue Reading..
Young, but not Invincible By Judy Heft

Young, but not Invincible

It’s not uncommon for young people to think that they don’t need an estate plan because they don’t have that much to divide up. Regardless, it’s still a good thing to make sure your will is in order. One common thing I hear is Why bother? All of my assets… Continue Reading..
Sprint into 2019 By Judy Heft

Sprint into 2019

It’s that time of year! It's time to set your personal and business goals for the upcoming year! I’ve been blessed to have my BoldHeart tribe help me figure out how to accomplish mine, most recently at our quarterly meeting. Whenever we meet, we start by sharing the successes we’ve… Continue Reading..
2018 Holiday Tipping Guide By Judy Heft

2018 Holiday Tipping Guide

At the end of the year, people like to show their appreciation to the people who help them throughout the year. I've been receiving a lot of requests for last year's holiday tipping guide, but I was worried it might be out of date. However, according to someone who sounded… Continue Reading..
Downsizing: A Necessary Good By Judy Heft

Downsizing: A Necessary Good

Most people have had to downsize one way or another — whether it’s because of divorce, retirement, or moving into a shoe box in Manhattan. It seems like an impossible task at times, but what I have learned is that anxiety can be vanquished! (That is, with a little help… Continue Reading..
2018 Charitable Giving Guide By Judy Heft

2018 Charitable Giving Guide

Charitable giving really picks up toward the end of the year, most visibly with Giving Tuesday, which is of course the Tuesday after Cyber Monday, which is the Monday after Black Friday, which is the day after Thanksgiving. I don’t know if it’s the cold weather, or the actual lessons… Continue Reading..
Happy Thanksgiving By Judy Heft

Happy Thanksgiving

Living a life full of gratitude is a year-round practice that culminates every year on the fourth Thursday of November. I love how Thanksgiving brings gratitude to the forefront of people’s thoughts. I also love how vanilla ice cream collides with warm apple pie on my tastebuds.   And I… Continue Reading..
Election Day, November 6, 2018

#GOTV: 98 Years and 80 Days

Women will have had the right to vote in this country for 98 years and 80 days tomorrow, November 6, 2018. The process to get the vote was long and arduous, with a 30-year period of “doldrums” during which the movement made no progress at the federal level — but,… Continue Reading..
Budgeting for the Holidays By Judy Heft

Budgeting for the Holidays

The holidays are a magical time of year, but I think too many people are making them last too long — no, I’m not talking about the people who leave their lights or trees up past Valentine’s Day. I’m talking about overspending in December and paying it off until June.… Continue Reading..