Question #3: I am planning to ask my husband for a separation, but I don’t know what that means legally. What kind of property I hold on to is not my main concern – I want it to be a civilized parting.

A Separation Agreement should include decisions regarding child support, child custody, spousal support, division of marital property, life insurance to cover the life of the party providing support, tax matters, payment of outstanding marital debts, religious divorce, etc. among other matters which must be decided before the parties and separate.
Do not underestimate the significance of the division of marital assets which is important to making sure you will be able to maintain your lifestyle and to provide you and your children, if any, with the financial ability to go forward.
If you are located in the New York City metropolitan area please call me at 212-370-1660 to discuss the matter at greater length.
Leonard M. Weiner, Esq./Divorce Solutions