Personal Finance 
17
comments

Kiplinger Tackles Coupled Finances

Wedding Ducks!In the June 2011 issue of Kiplinger’s magazine, Lisa Gerstner tackles the subject how to blend your finances, a subject that I’ve discussed a few times (and one you have probably weighed in on) in the past because of how important it is.

(Click to continue reading…)


 Personal Finance 
41
comments

Five Money Reasons to Get Married

Wedding BandMost people don’t marry because it makes financial sense. Most people get married because they love one another. They want to spend the rest of their lives together. They don’t necessarily analyze the financial benefits, of which there are only a handful.

In fact, getting married has only a handful of direct financial benefits (and some very significant legal ramifications) and is mostly an emotional decision. Most of us are aware of the marriage tax penalty, where the tax brackets for married filing jointly couples is less than twice that of single filers, so it’s surprising that, in these harder economic times, people are still getting married!

Fortunately, there are a few financial perks left to those who are married:

(Click to continue reading…)


 Personal Finance 
16
comments

Who is JT TEN WROS?

When I was a kid, my parents would get letters sent to them and a guy named JT TEN WROS. I had no idea who this JT guy was but I always figured it was a friend of my parents or perhaps the English name of a relative. It was always tricky growing up because I never knew anyone’s name (you don’t call relatives by their name, or even an Uncle Joe, you called them by their “rank,” i.e. fifth uncle) so I figured it was just someone’s name. While I don’t think anyone has the last name of “Wros,” you never know what immigration officers can write down as you pass through immigration, right?

It wasn’t until later that I saw the guy appears on my statements, specifically my wife and my Vanguard statements! How’d he get there? Who is this JT guy and how the heck did he get on our account?
(Click to continue reading…)


 Banking 
23
comments

How to Combine ING Direct Accounts

My lovely wife and I both opened individual ING Direct accounts before we were married. In the latest step towards consolidating our financial accounts, we’ve decided to take all of our individual accounts and work towards combining them when it made sense. We’ve left investment and retirement accounts alone but online bank accounts are perfect for combining. Our latest move was to combine those ING Direct accounts into one.

I called a CSR yesterday to discuss consolidating our accounts and learned that the process is much simpler than I imagined. You can’t consolidate two separate ING Direct login accounts but you can add a joint account holder to an existing savings or checking account. This will turn an individual savings account into a joint savings account, let’s see how easy it is.

(Click to continue reading…)


 Reviews 
8
comments

Get Financially Naked by Manisha Thakor and Sharon Kedar

Get Financially Naked by Manisha Thakor and Sharon KedarGet Financially Naked by Manisha Thakor and Sharon Kedar is a book that helps couples discuss financial issues before they become Issues. The two collaborated on On My Own Two Feet: A Modern Girl’s Guide to Personal Finance and while they traveled the United States to promote it, they were frequently asked questions about how to discuss money with your significant other, a chapter absent from the book. So they worked together again to create Get Financially Naked: How to Talk Money with Your Honey.

The book was written for women, though it easily applies to either gender, because 80% of men die married while 80% of women die single (the statistic isn’t cited). They throw out some more statistics, which seem plausible but aren’t cited, but they all paint the same picture – women are more likely to be left financially vulnerable at the end of the relationship (divorce, death, etc.). Couple that with the idea that women are less likely to discuss finances or acquiesce responsibility (again, their arguments) and you have a recipe for disaster.

(Click to continue reading…)


 Personal Finance 
2
comments

Coupled Finances on the Personal Finance Hour

Please join us tonight (6PM Eastern, 3PM Pacific) on the Personal Finance Hour as JD and I discuss coupled finances. Many of you weighed in on the subject last Friday in the Your Take post on Coupled Finances (thank you!), and we’ll be using many of your points as discussion points during the show. We like to think of ourselves as an interactive show and would love it if you were to call in and chat with us. If you write a blog or have a favorite one you want to mention, please feel free to do so!

At 6PM Eastern, 3PM Pacific, the show will be broadcast online at this page (there’s also a chat room on that page where lots of listeners chat with one another, I’ve heard it’s a fun time!). You can also listen to the show on your telephone by calling calling (347) 327-9144. If you want to get on the air, hit “1″ and we’ll get the notification and get you try to get to you as soon as we can.

Subscribe with iTunes: Personal Finance Hour is on iTunes now, just click on this link to open our show’s information page in iTunes, and hit subscribe to get all of our shows for free!

We hope you are able to listen (live or later in the week!). Thanks!


 Your Take 
88
comments

Your Take: Joint or Separate Coupled Finances?

Next Monday, JD and I will be discussing the topic of coupled finances on the Personal Finance Hour. We briefly touched on the topic a few weeks ago when we learned that JD and his wife Kris keep their finances separate whereas my wife and I keep around combined. We know it’s a hot topic with both sides having very strong opinions but when we learned that we each approached it different, we thought it would make for a fantastic topic.

Here’s where I need your help. Do you have any questions you want answered by either one of us? If you want to know something about how JD handles their separate finances or how I handle combined finances, please ask it in the comments below or call in when the show is live.

I’d also like to hear how you handle coupled finances or would handle coupled finances (for the non-couples out there). Nothing is off limits and please feel free to debate one another, the goal here is to learn (but please be civil!).

Thanks in advance!

(benstephenson)


 Personal Finance 
3
comments

How To Draft A Basic Financial Savings Plan

When it comes to long term financial planning, my wife and I don’t really have one. We have some long term goals but we don’t have any dates pegged for those goals (which include starting a family, going back to school, buying a new home, etc.), which is about as useful as having no goals at all. That being said, it was about time we sat down and put pen to paper so we would stop committing the fourth deadly sin of personal finance – failing to plan.

(Click to continue reading…)


Advertising Disclosure: Bargaineering may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.
About | Contact Me | Privacy Policy/Your California Privacy Rights | Terms of Use | Press
Copyright © 2014 by www.Bargaineering.com. All rights reserved.