首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Whether you keep all the receipts in a shoe box or use online banking, you should be clear about
Whether you keep all the receipts in a shoe box or use online banking, you should be clear about
admin
2013-08-05
40
问题
Whether you keep all the receipts in a shoe box or use online banking, you should be clear about
M: Sharon Epperson joins us now, she’s a correspondent for CNBC, and author of the new book, The Big Payoff, eight steps couples can take to make the most of their money, and live richly ever after. Sharon, good morning.
W: Good morning.
M: Congratulations on the book as well.
W: Thank you.
M: We are gonna talk about things that couples and individuals can do to better their finances. One of the first things I know you like to talk about is a financial checkup.
W: Absolutely, the first step is that you have to get organized, and that’s what I start off within the eight steps in my book. You need to get organized and you need to figure out what money is coming in, and what money is going out. And a really easy way to get that started is if you do online banking, it’s all laid out there for you.
M: Yeah, I mean a lot of process is stuffed in a shoe box. But online banking, you can look not only at your checking account, but your credit cards as well. Right?
W: You can look at your checking account if you have online access to your credit card. That’s a great idea, too. You really want to keep track of the money that’s coming in and going out. If you have a shoe box for all receipts and that’s the way you do it, that’s fine. But the key is to make sure you know what you have.
M: Does it make it easier to track finances if you use debit cards and even credit cards for small purchases, I mean a lot of what we spend just comes right out of our pockets. And you don’t track it.
W: Absolutely will. If you can track it with a debit card or a credit card, that’s terrific, that’s a good way to keep yourself disciplined, so you know what you are spending.
M: I also want to talk about the accounts that the couples keep. And this can be a source of problems in marriages sometimes. Do you have a joint account, do you have separate accounts, do you have our account, you say all three.
W: Yours, mine and ours. It’s very important because you wanna have a joint account for household expenses of course. But there may be a major purchase that you wanna make that your spouse doesn’t. If you wanna have a monthly spa day, and your spouse wants to buy a boat, and neither of you wants the other one’s money for that. That may be a reason why you need to have separate accounts, so I think it’s a good idea to pool your money for household finances, but also have some savings of your own.
M: Then there’s also the importance of knowing your credit scores. As you know, you are in advertisements. So I guess we now get a free one every year. It’s a little scary to find out, but you need to know.
W: You can get a free one every year from each of the three credit-reporting agencies, It’s so critical to know your credit score, and not only to know your credit score and have a copy of your report, but to share it with your partner. So you both know what your credit is, and the amount of the debt that you haven’t paid yet.
M: All right, we were talking about this segment earlier, so this is a very unromantic notion. I tend to agree with you. You say couples should have a money date, talk finances.
W: It does not need to be an unromantic experience. It needs to be a relaxing experience, it’s something where you need to sit down and talk about your goals, and talk about what your short-term goals are, and your long-term goals. You wanna do it in a relaxing environment, have fun with it.
M: So without the pressure of talking about an immediate bill, kind of like, here’s what we are.
W: Exactly, don’t abruptly open the credit card statement, and you are already fuming. Take some time away, and sit and relax and talk about it calmly. And you may be surprised at what you are able to compromise and come together with when you are doing it in that way.
M: And lastly, in that story, you talk about getting a financial adviser. A lot of folks out there, who say they are financial advisers. What should you be looking for though? What really works?
W: Well, what really works is someone who’s been referred to probably, someone that you know has a good track record, and that you’ve already checked out maybe with a couple of friends. There are also a couple of websites that you can go to look for financial advisers in your area. Ah, but the key is that you wanna find someone that you really melt with. This is someone that you are going to devote a lot of personal information and you want to make sure that both of you are on the same page with that adviser.
M: Alright, well, Sharon Epperson, it’s good to have you stop by, thanks so much.
W: Good to be here.
选项
A、For small purchases.
B、For major purchases.
C、For household expenses.
D、For mortgage payment.
答案
B
解析
访谈中,Sharon提到拥有夫妻独立账户和家庭共同账户的重要性。她解释道,separate ac—count用于夫妻各自需要的大宗消费,如妻子每月做水疗,丈夫买船等这些仅由一方出钱的情况。因此,B为正确答案。
转载请注明原文地址:https://kaotiyun.com/show/TO4O777K
0
专业英语八级
相关试题推荐
Americanthisyearwillswallow15,000tonsdrugsofaspirin,oneofsafestandmosteffectiveinventedbyman.【M1】______
Americanthisyearwillswallow15,000tonsdrugsofaspirin,oneofsafestandmosteffectiveinventedbyman.【M1】______
WhichofthefollowingisCORRECTabouttheaccident?
Whathandshakemean?I.Inone’sowncountry,1.Insomecultures,people—shakehands—bowstoeachother-(1)______(1)_____
Whatisthewoman’smainpurposetoseetheman?
Whatisthewoman’smainpurposetoseetheman?
TheTowerofLondon,ahistoricalsight,locatedinthecenterofLondon,wasbuiltby______.
TheWorldHealthOrganization(WHO)saysitsten-yearcampaigntoremoveleprosy(麻风病)asaworldhealthproblemhasbeensucc
不管是好习惯还是坏习惯,都是逐渐养成的。当一个人重复做某件事时,一种看不见的力量驱使他去重复做同一件事,这样就养成了习惯。习惯一旦形成,要改掉它是网难的,有时是不可能的。所以,我们在形成习惯的时候要小心谨慎,这一点是非常重要的。小孩子常常会养成坏习惯。这些
TheIndiancoastalbelthasnotrecordedmanyTsunamisinthepast.Wavescompanyingearthquakeactivityhavebeenreportedover
随机试题
埋弧焊时对气孔敏感性大是因为()。
甲、乙、丙、丁成立一普通合伙企业,一年后甲转为有限合伙人,丙退伙。此前,合伙企业欠银行债务30万元,该债务直至舍伙企业因严重资不抵债被宣告破产仍未偿还。银行遂向甲要求偿还全部贷款,甲表示自己为有限合伙人,只按出资额的比例承担相应数额。银行向丙要求偿还全部贷
A、肿瘤坏死因子B、内毒素C、前列腺素ED、精氨酸加压素E、黑素细胞刺激素临床上常见的发热激活物是
管道运输的局限性有很多,下列各选项中体现管道运输局限性的有()。
期货交易所、非期货公司结算会员不发布价格预测信息的,责令改正,给予警告,没收违法所得。()
在计划的编制、审核和制订方案过程中所进行的财政监督,属于()。
表明金融资产发生减值的客观证据,包括()。
儿童身心发展有两个高速发展期:新生儿期与青春期,这是身心发展()规律的反映。
选择符合数列排列规律最合理的项:2,13,4,17,6,()。
2009年H省年末常住人口达到7034.4万人,出生人口90.7万人,出生率为12.93‰;死亡人口45.1万人,死亡率为6.43‰;净增人口45.6万人。2009年城镇居民人均可支配收入达14718.3元。其中,工资性收入9830.6元,增长10.6
最新回复
(
0
)