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
Married, With Money You fight over finances, right? Here’ s how to keep the cash - and the passion. Brian Greenberg is a
Married, With Money You fight over finances, right? Here’ s how to keep the cash - and the passion. Brian Greenberg is a
admin
2010-01-26
89
问题
Married, With Money
You fight over finances, right? Here’ s how to keep the cash - and the passion.
Brian Greenberg is a college financial planner, but on a recent morning he felt more like a marriage counselor. The couple sitting in his office, near Cherry Hill, New Jersey, was seeking advice about applying for financial aid for the man’s son from a previous marriage. "When they walked in," Greenberg recalls, "I could feel the hostility."
The income from the wife’ s business, which she had started before they married, was modest, but it was just enough to limit the amount of aid the son could receive. The husband wanted her to incorporate to reduce their income, thereby allowing the son to qualify for more aid. She didn’t want to go through the complicated incorporation process, but felt pressured by her husband. "He was saying, ’ I’ m entitled to do what I want because I’ m making the money that pays the bills, ’" recalls Greenberg. "That kind of thinking undermines a relationship."
Much of this type of animosity (仇恨) can be avoided if only couples would talk about money before they get married, says Mary Claire Allvine, a certified financial planner in Chicago and Atlanta and co - author of The 7 Most Important Money Decisions You’ll Ever Make. Without this talk, it’ s unlikely that couples have an actual plan for their lives together.
Studies have shown that disagreements over money are the No. 1 cause of friction in a marriage. And for some, they’re the No. 1 reason for divorce.
So why can some couples weather financial ups and downs while others split over a household budget? The key to success is to find the common ground - the shared values about how, as partners, you want to live your lives together. Here are some tips for executing a money plan without losing the passion.
Think big and put it in buckets. After couples have paid their fixed expenses, they often find themselves disagreeing over how to spend what’ s left - pay off the credit cards or get that HDTV one of them has been craving.
To avoid such clashes, talk about your dreams. Allvine’ s research says couples who don’t get bogged down with day -to- day budgeting details are usually the most successful with their money. "You can’t say to the spender, ’Okay, you can only spend $ 50 a month. ’ It’ s like putting people on a diet where they can last for a while but then they just binge and eat a loaf of bread. The spender will say, ’I’ll cut back. And then they start cutting out the extra cup of coffee. But it’ s rarely the coffee that puts them in debt. It’ s the home they can’ t afford or the car they shouldn’ t be driving."
Allvine recommends sorting your big dreams - starting a business, owning a home, saving for a vacation - into categories, or buckets. "When you name the bucket, you know what that money is for, and you won’ t use it for anything else. That’ s how couples get to their goals - they pay themselves first for the big things."
Everyone needs the prenuptial (结婚前的)talk. As today’s couples marry later, or remarry, they face big challenges combining resources. One spouse may bring children from a previous marriage; another might be caring for elderly parents. The new- think says, rich or not, you may need a prenuptial agreement. "It makes sense to think things through early on," says Mellody Hobson, president of Ariel Capital Management in Chicago.
But Carrie Schwab - Pomerantz, co - author, with her father, Charles Schwab, of It Pays to Talk, has a different take: "Not everyone needs to sign a prenuptial document- but everyone should have the prenuptial conversation."
The point, says Schwab - Pomerantz, is to get an idea of each other’s money personality. "If someone has a lot of debt. that can reflect some personality issues that his or her partner needs to know about. How you deal with money is a reflection of who you are as a person."
Put your goals on paper. "When a couple can agree on their spending," says nationally syndicated radio talk - show host Dave Ramsey, "then they have agreed on their fears, and their goals. We don’ t really fight about money. We are fighting about priorities, fears and power. A plan on paper brings a level of promise and cooperation and unity."
Ramsey also recommends scheduling regular money meetings to talk about expenses. "It’ s all about being open and on the same page. There are no secret credit cards, no secret debt, no secret student loans. No deception. It’ s a matter of understanding what the expenses are. How much do we have to spend on birthdays? What about the groceries and cable bills, the soccer expenses? Life starts to show up in a real way when you talk about it in a meeting and put it on paper."
Take a hike. How and where you discuss your finances is critical to keeping the peace, says Schwab - Pomerantz. "You want to make sure both parties are in a comfortable, neutral place. It’ s also important to know ahead of time what you’re going to talk about."
Schwab- Pomerantz and her husband hike every weekend in the mountains near their home in the San Francisco Bay area. "We’re away from our kids. We’re not sitting there facing each other, which can become confrontational. We can’t get mad and walk to another room. It’ s just the two of us, and we get a lot of conversation in there about our goals and our priorities in life."
Get it together. Financial independence is empowering, but many counselors say that living separate financial lives imperils a marriage. "Having his and her money is a recipe for disaster," advises Greenberg. "That says one person is taking care only of herself or himself."
The joint account sends a powerful message that your marriage matters. The account should be for joint goals: building a reserve fund, saving for college. A shared account, however, shouldn’t cancel out individual accounts.
Managing your money together may not seem like a romantic venture, says Greenberg. "But if there is a good financial foundation, there are a lot fewer issues for strife."
As for the couple seeking financial - aid advice from Greenberg, they left his office, smiling, after he proposed a novel solution. The path to financial happiness is clear: communicate and plan together.
According to Mary Claire Allvine, a certified financial planner in Chicago and Atlanta, couples who care much about day -to- day budgeting details are usually the most successful with their money.
选项
A、Y
B、N
C、NG
答案
B
解析
分析判断题。本文作者的建议有三条:一、婚前沟通,大事优先安排,专款专用,不得挪用;二、商讨家庭开销时,要避开子女;要有一个宽松的淡话环境;三、夫妇俩共享家庭财务,及时沟通和共同安排。本篇短文根本没有涉及到本小题所说的“建议”。
转载请注明原文地址:https://kaotiyun.com/show/ludK777K
0
大学英语六级
相关试题推荐
A、Itisaffectingourhealthseriously.B、Ithindersourreadingandwriting.C、Itischangingourbodiesaswellasourculture
Manyexpertswhofavorgeneticallymodifiedfoodsbelievethatgeneticengineeringcanhelptomeetthedemandsoftheworld’si
Manyexpertswhofavorgeneticallymodifiedfoodsbelievethatgeneticengineeringcanhelptomeetthedemandsoftheworld’si
Manyteachersbelievethattheresponsibilityforlearninglieswiththestudents,Ifalongreading(47)______isgiven,instru
Manyteachersbelievethattheresponsibilityforlearninglieswiththestudents,Ifalongreading(47)______isgiven,instru
A、She’sgotastomachache.B、Shefeelsperfectlyfine.C、She’sgoingtogetmarried.D、She’sgoingtohaveababy.DW:Dr.Cassi
A、Shemarriedtwice.B、Shedoesnotlikebaby.C、Shelikestodohousework.D、Sheenvieshersister.C对话细节显示劳拉学打字时萨拉在洗衣,劳拉在为校报写稿
Married,WithMoneyYoufightoverfinances,right?Here’showtokeepthecash-andthepassion.BrianGreenbergisa
Married,WithMoneyYoufightoverfinances,right?Here’showtokeepthecash-andthepassion.BrianGreenbergisa
随机试题
病理性蛋白尿,可见于
抗精神病药物应用原则不包括
精神科常用镇静安眠药治疗
钢筋常用的连接方法有()。
某项资产组合由长期债券和股票构成,其投资比例分别为20%和80%。假设经济形势好的情况下,长期债券和股票收益率分别为6%和15%;经济形势差的情况下,长期债券和股票收益率分别为4%和10%,而且经济形势出现好和差的概率是一样的。则下列计算结果正确的有(
凤阳花鼓“坐唱”多为短篇演唱,内容多为奉承话,供沿门乞讨用。()
无配偶的男性收养女性的,收养人与被收养人之间的年龄应当相差()。
当新闻人,一定得有点情怀。不管世人怎么看,情怀仍不可丢,尊重自己,不辜负自己:对世上的苦难保持痛感,不闭上眼,也不背过脸;对丑陋现象不容忍,时刻保持揭露的敏感,保持针砭的自觉。这是一个变化过快的时代,快得让人眩晕,变得让人恐慌。做到不乱于心,不困于情,不念
山区村民甲与乙有仇而欲杀乙,乙家门前有一座小木桥,桥下是几十米深的山涧。某晚,甲探悉乙离家外出办事,即破坏了小桥,将一块横板做成活板,意欲让乙跌下山涧摔死。甲预料到会有人经过小桥,但由于杀乙心切,也没顾那么多,结果一村民丙有事急找乙,踩中活板摔死。乙因而幸
Cultureisactivityofthought,andreceptivenesstobeautyandhumanefeeling.【C1】______ofinformationhavenothingtodowith
最新回复
(
0
)