成人小说亚洲一区二区三区,亚洲国产精品一区二区三区,国产精品成人精品久久久,久久综合一区二区三区,精品无码av一区二区,国产一级a毛一级a看免费视频,欧洲uv免费在线区一二区,亚洲国产欧美中日韩成人综合视频,国产熟女一区二区三区五月婷小说,亚洲一区波多野结衣在线

訂閱

多平臺閱讀

微信訂閱

雜志

申請紙刊贈閱

訂閱每日電郵

移動應(yīng)用

專欄 - 財務(wù)頭腦訓(xùn)練

結(jié)婚后你該不該存私房錢?

Jean Chatzky 2015年03月09日

簡?查茲基是美國NBC廣播公司《今日秀》欄目的財經(jīng)編輯。欲收取其每周發(fā)送的免費電子通訊請至JeanChatzky.com注冊。
普林斯頓調(diào)查研究協(xié)會最近進行的一項研究顯示,720萬美國人擁有配偶或同居伴侶不知情的銀行賬戶或信用卡,其中男性多于女性。專家認為,婚姻關(guān)系中保持經(jīng)濟獨立無可厚非,甚至在某種程度上是積極的,可以鞏固婚姻。

????

????已婚女士是否應(yīng)該有一個丈夫無法使用,甚至根本不知情的“小金庫”?這種問題我認為有點危險,頗引人側(cè)目。因此,在聽到《離婚:應(yīng)從財務(wù)而非感情角度考慮》一書作者杰夫?蘭德斯對此果斷給出肯定答復(fù)時,我大吃一驚。事實上,他認為設(shè)立小金庫“在某種程度上是積極的,可以鞏固婚姻。”

????很顯然,許多女性對此感同身受,甚至這種觀點在男性中可能更流行。據(jù)普林斯頓調(diào)查研究協(xié)會近期為CreditCards.com進行的一項研究顯示,720萬美國人(男性440萬人,女性280萬人)擁有配偶或同居伴侶不知情的銀行賬戶或信用卡。

????首先,我要鄭重聲明,我是經(jīng)濟獨立的堅定支持者。我曾在許多文章中表明過我的觀點,我認為婚姻或者其他長期關(guān)系中的雙方都應(yīng)該保持一定程度的經(jīng)濟獨立。我有兩個理由,首先,我不認為只要你嫁給(或者愛著)某個人,你們就將擁有同樣的欲望和需求。每個人都應(yīng)該有一定金額的自主消費權(quán),不需要獲得對方的同意,只要這筆支出不會影響家庭財政健康即可。(到底多少金額合適?稍后會談到這個問題。)其次,每個人都應(yīng)該知道如何管理自己的財富。自己的賬戶或名下有錢可以幫助培養(yǎng)理財能力。只有手中握有賭注的時候,你才更有可能參與到游戲當(dāng)中。

????但是提到小金庫,我的疑問就來了。擅長離婚領(lǐng)域的認證理財規(guī)劃師莉莉?瓦斯萊夫也有同感。她表示:“保密的想法會亮起警告信號。你將某件事對配偶保密,意味著你擔(dān)心被對方發(fā)現(xiàn)……這種保密的想法越多,婚姻中的裂痕就會變得越深。”蘭德斯也認同,一旦被發(fā)現(xiàn),本可以用來鞏固婚姻(讓你們可以不必為錢的問題爭論)的秘密儲備,會產(chǎn)生截然相反的效果?!叭绻粚Ψ桨l(fā)現(xiàn),這件事本身就會導(dǎo)致婚姻問題?!?/p>

????那么,正確的做法是什么?

????保持經(jīng)濟獨立,但要開誠布公。如果你已結(jié)婚很長時間,但最近才有這樣的想法,你可以提出要有自己的錢,但同時也要堅持讓對方也這樣做,比如通過共有賬戶的方式。然后,要循序漸進,齊心協(xié)力為每個賬戶中存入資金。如果你們剛剛確立關(guān)系,你在考慮合并一些資產(chǎn),其他資產(chǎn)依舊為各自所有,要開誠布公地談?wù)撨@個問題。你要認識到,在一段時間之后,如果你們將資產(chǎn)混合在一起,它們可能會變成夫妻共有財產(chǎn),所以你必須謹慎處理。最后,去見律師。你們需要簽署一份婚前協(xié)議。

????自己保留多少錢合適?這要取決于你的財政狀況。養(yǎng)家要放在首位,然后是積蓄(用于短期應(yīng)急的流動性賬戶,以及用于長期目標的儲蓄,如IRA和401(k)退休計劃等)。此時,你可以開始將一部分錢轉(zhuǎn)入自己的賬戶。蘭德斯的客戶都是正在經(jīng)歷離婚的女性,所以他的觀點無疑有一定的偏向性。他建議,個人賬戶中的金額應(yīng)該保證你在必要時有錢聘用律師。不同地區(qū)的律師費在5000美元至3萬美元不等。

????劃清界限。如果你既希望保持經(jīng)濟獨立,又想合并雙方的資產(chǎn)。一項有效的策略是提出一個數(shù)字——比如100美元或500美元。當(dāng)然,這同樣要視自己的財政狀況而定——雙方同意在沒有經(jīng)過事先討論之前不會越線(比如花銷方面)。

????在離婚中,隱瞞資產(chǎn)是禁忌。如果你們最終決定分開,你需要坦白承認對方不知情的資產(chǎn),這是理所當(dāng)然的。瓦斯萊夫表示:“在離婚過程中,你必須盡早向自己和對方的律師披露隱瞞的資產(chǎn)。你不可能永遠隱瞞下去。如果你試圖這么做,你將面臨欺詐風(fēng)險。不論是100美元、1000美元還是數(shù)萬美元,都不值得你為之冒險?!保ㄘ敻恢形木W(wǎng))

????凱麗?胡爾特格林也為本文貢獻了她的想法。

????譯者:劉進龍/汪皓

????審校:任文科

????Should a married woman have a slush fund…a stash of cash that her spouse doesn’t have access to and maybe doesn’t even know about? That’s the sort of question I would expect to raise eyebrows, if not big red flags. Which is why I was bowled over when Jeff Landers, author of Divorce: Think Financially, Not Emotionally, answered with an emphatic yes. In fact, he believes that doing so can be “empowering in a way that actually strengthens your marriage.”

????Evidently many women — and even more men, for that matter — feel the same way. According to a recent study conducted by Princeton Research Associates for CreditCards.com, 7.2 million Americans (4.4 million men and 2.8 million women to be precise) have a bank account or credit card that their spouse or live-in partner doesn’t know about.

????For the record, I’m a big fan of separate money. I’ve written extensively about the fact that I think both parties in a marriage, or other long-term relationship, should maintain a degree of financial autonomy. My reasons are two-fold. First, I don’t think that just because you marry (or love) someone you automatically start sharing the same exact list of wants and needs. Each person should be able to spend a certain amount of money without asking the other for permission, as long as it doesn’t impact the health of the family’s finances. (How much is that certain amount? More on that in a minute.) Second, every individual should have some sense of how to manage his or her own money. Having money in your own account or own name helps foster that. Once you have a stake in the game, you’re more likely to participate.

????But secret money? With that, I have an issue. Lili Vasileff, a certified financial planner specializing in divorce, agrees. “The idea of a secret puts up a flag,” she says. “The idea of something being secret is that you’re fearful of being discovered…the more this idea of secrecy starts to creep in, the more you’re driving a wedge through your marriage.” Even Landers cops to the fact that if you’re caught, the secret stash you created to strengthen your marriage (by enabling you to stop squabbling over money) could backfire. “If your spouse finds out, that in and of itself could cause a marital problem.”

????So what to do?

????Separate but open. If you’ve been married for a while and this is something new, raise the topic of having some of your own money, but insist you want the same for your spouse in the form of yours-mine-and-ours accounts. Then, walk before you run, slowly funding each account in tandem. If you’re in a newer relationship and you’re considering merging some assets but keeping others separate, talk through it honestly. Recognize that if you co-mingle assets down the road, they will likely become marital, so you need to tread carefully. Then, see an attorney. This is what a pre-nup is for.

????How much is enough? Of course this depends upon your financial situation. You have to fund your household first, then focus on savings (both for short-term emergencies in a liquid account, and long-term goals like retirement in your IRAs and 401(k)s). At that point you can start moving money into your individual accounts. Landers, whose perspective is no doubt colored by the fact that he spends his time working solely with women, who are going through difficult divorces, suggests making sure there’s enough in your stash to engage an attorney should you need to. That’s anywhere from $5,000 to $30,000, depending on where you live.

????Draw a line in the sand. If you are going to try to maintain autonomy and merged assets simultaneously, one strategy that helps is to come up with a number – it could be $100 or $500. Again, it depends on your financial situation – that you agree not to cross (i.e. spend) without discussing it first.

????Hiding assets in a divorce is a no-no. Finally, this goes without saying, but should you ever decide to split, you’re going to need to come clean. Says Vasileff: “It has to be disclosed at some point early on in the divorce process — to that person’s own attorney and to the other side. It’s not as if you can keep it hidden forever. And if you try, you run the risk of fraud. Whether you’re talking about a silly $100, $1000, or tens of thousands, it’s not worth running the risk.”

????Kelly Hultgren contributed to this report.

我來點評

  最新文章

最新文章:

中國煤業(yè)大遷徙

500強情報中心

財富專欄

全免费看a级毛片免费看| 99久久人妻无码精品系列蜜桃| 久久久久亚洲精品中文| 日本韩国欧美一区| 尤物一二三区在线内射美女| 大屁股喷水视频在线观看| 精品视频在线观看一区二区三区| 精品视频一区二区三区中文字幕| 在线观看国产vs日产VS| 亚洲AV综合伊人AV一区加勒比| 67194熟妇一区二区无码国内| 国产欧美日本1区2区3区| 久久上司侵犯部下人妻| 尤物爽到高潮潮喷视频大全| 免费无码国产在线网站| 国产熟女体下茂密黑森林| 亚洲国产欧美目韩成人综合| 日韩av毛片精品久久久| 国产成人精品视频a片西瓜视频| 香港午夜三级A三级三点在线观看| 亚洲v欧美v国产v在线观看| 国产A∨国片精品一区二区| 99精品国产99久久久久久97| 国产在线精品观看一区| 国产精品观看在线亚洲人成网| 国产精品自在自线视频| 亚洲av无码国产精品久久不卡| 麻豆久久婷婷五月综合国产| 禁止的爱善良的秘书| 久久99亚洲含羞草影院| 97亚洲欧美国产中字99| 一区二区三区内射美女毛片| 女人18毛片水多毛片久久| 欧美一进一出抽搐大尺度视频| 欧美亚洲国产一区二区| 国产精品永久久久久久久久久欧美性猛交| 久久亚洲精品无码观看不卡| 在线视频潮喷一区二区欧美| 国产精品视频一区| 午夜精品久久久久久久无码| 亚洲成AV人片一区二区三区|