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silvergoose posted:Unless there's a pre-nup involved, the statement "Your finances will magically become pretty integrated in a divorce so they may as well be integrated in marriage." applies perfectly. Hell yeah there's a pre-nup. Always pre-nup
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Mar 16, 2017 21:24
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A friend of mine went the whole pre-nup route and keeps encouraging each successive friend-to-be-married to do the same. I get the desire to keep existing assets separate, but if you're married long enough no pre-nup is going to protect you from paying out 50% of what you made while married. Pre-nups are good if you have non-liquid assets (think land) that grows in value, but you might not have cash to cover your soon-to-be-ex-partner's share. Or you could just do it like royalty and marry your cousins to keep it all in the family.
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Mar 16, 2017 21:26
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GoGoGadgetChris posted:My sister and her husband take the "roommates" approach to finances. She bought the house, he writes her a check for half the mortgage/the utilities every month. She pays the property taxes outright.
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Mar 16, 2017 21:39
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GoGoGadgetChris posted:My sister and her husband take the "roommates" approach to finances. She bought the house, he writes her a check for half the mortgage/the utilities every month. She pays the property taxes outright. Also, once you have kids, one parent usually has to take a step back from work/ work fewer hours. If you are both working towards promotions and are at the office late, the kids are gonna be left at daycare for 11 hours a day and that's not good for anyone. Does that parent just get screwed then? Just pool your money you goons! If your partner can't be trusted to not spend the rent or nit-picks every purchase, maybe they're not a great partner.
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Mar 16, 2017 21:45
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Nail Rat posted:edit: and yeah, always prenup. If I ever get married again I will not listen to "that means we're just getting married to get divorced and I'm not It bugs me that people don't get that there are things that can change in your life that neither of you could foresee. What happens if your spouse gets a traumatic brain injury from a car accident and turns into an abusive drunk? How about if they get caught up in fraud at their job and end up going to prison and having their paychecks garnished for the rest of their life? There are a lot of things that can happen that "our love will solve everything" won't be able to address. (hey, it's more likely that the divorce will be a garden variety one for the "normal" reasons, but shhhh) I didn't get a prenup because my approach was to go into marriage with practically zero assets. 
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Mar 16, 2017 21:45
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" because I've heard that before.
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I think you should all do whatever you want with your married assets, because it's going to be different for everyone. My wife and I combined finances when we got engaged and everything is "ours." Even my god damned peanut butter patties that I buy one box of a year. Even. Those.
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Mar 16, 2017 21:47
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SquirrelFace posted:Just pool your money you goons! If your partner can't be trusted to not spend the rent or nit-picks every purchase, maybe they're not a great partner. Or they're experiencing mental illness, like mania.
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Mar 16, 2017 21:49
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Combined is so much easier than separate accounts, for those that said they are too lazy to do it. Takes 15 min in a bank to sign one spouse onto the other spouses account, and then you can close the other one by phone, or keep it and let it sit. Then you're done. Separate accounts actually take way more effort. Planning who pays for what, who owes who what, cutting checks, etc. Seems like such a hassle. Our paychecks go into the same account, and our credit cards draw out of the same account. Super easy to budget and plan for the future.
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Mar 16, 2017 22:21
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SquirrelFace posted:Also, once you have kids, one parent usually has to take a step back from work/ work fewer hours. If you are both working towards promotions and are at the office late, the kids are gonna be left at daycare for 11 hours a day and that's not good for anyone. Does that parent just get screwed then? Well, you could both track the amount of non-discretionary time you spend on/with your children, and whoever has the excess bills those hours back to the household as a childcare expense, based on the lost income incurred as a result. That way the cost is clear, and if the other partner feels that it's too steep they have the option of cutting back their own working hours to take over more time instead. What's really tricky is trying to balance things out during pregnancy and breastfeeding, because you'd want to calculate what additional intake the mother has that is being passed to the child, and bill that back to the household as well.
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Mar 16, 2017 22:30
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Subjunctive posted:Or they're experiencing mental illness, like mania. If they're manic that's more reason to pool your money so you can notice when it goes missing.
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Mar 16, 2017 22:56
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Inept posted:If they're manic that's more reason to pool your money so you can notice when it goes missing. My MIL is super bipolar and her mania usually includes spending everything she has so my FIL puts an allowance in "her" account because basically she is really bad about being consistent about her meds. She once wrote a "new testament for the bible" that was like 60 pages, she went to kinkos and printed 1000 copies of it and started distributing it to churches all around their city. That got her finances reigned in real fuckin tight. edit - also that same week she redid the tile in their bathroom. It's horribly ugly but it is spotless and perfect. Bipolar mania is loving insane. #reasonsimnotgoingtopassonmypoisongenes (my mom was also bipolar) silicone thrills fucked around with this message at 23:35 on Mar 16, 2017 |
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Mar 16, 2017 23:30
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Inept posted:If they're manic that's more reason to pool your money so you can notice when it goes missing.  Nope. Then they can spend everything and you have no recourse since they were on the account. Its like the whole reason spend-thrift trusts and custodian accounts exist.
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Mar 16, 2017 23:32
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Inept posted:If they're manic that's more reason to pool your money so you can notice when it goes missing. This is not a good plan.
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Mar 17, 2017 00:11
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Ashcans posted:Well, you could both track the amount of non-discretionary time you spend on/with your children, and whoever has the excess bills those hours back to the household as a childcare expense, based on the lost income incurred as a result. That way the cost is clear, and if the other partner feels that it's too steep they have the option of cutting back their own working hours to take over more time instead. Ugh, not another time-based costing vs activity-based costing derail in the thread
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Mar 17, 2017 00:19
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Ashcans posted:Well, you could both track the amount of non-discretionary time you spend on/with your children, and whoever has the excess bills those hours back to the household as a childcare expense, based on the lost income incurred as a result. That way the cost is clear, and if the other partner feels that it's too steep they have the option of cutting back their own working hours to take over more time instead. You're being oh so wry, but it's sometimes suggested in earnest. One of the biggest costs to women who stay home is the setback it represents to their career, independent of lost wages, and the spreadsheet tends to exclude it. Family court, happily, doesn't.
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Mar 17, 2017 00:22
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My MIL is bipolar and I don't see why it's not a good plan. It's actually imperative. Pooled/shared finances does not mean that each partner should have equal CONVENIENT access to the money. And you really don't want the bipolar partner managing any significant amount of money. If you do, you might as well assume you're saving for retirement for both parties.
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Mar 17, 2017 00:22
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Rurutia posted:My MIL is bipolar and I don't see why it's not a good plan. It's actually imperative. Pooled/shared finances does not mean that each partner should have equal CONVENIENT access to the money. And you really don't want the bipolar partner managing any significant amount of money. If you do, you might as well assume you're saving for retirement for both parties. Yes, I took it to mean shared primary accounts with the usual access. (I have bipolar disorder, though it's type 2 so it has mostly manifested in a bloated Steam catalog and large charitable donations.)
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Mar 17, 2017 00:25
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GoGoGadgetChris posted:
Man, and I thought owing 5k for the 2nd year in a row was annoying.
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Mar 17, 2017 01:54
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Ask me why I owe the IRS $18,000 this year
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More horse BWM , courtesy of r/legaladvicequote:I got hired by an equestrian center, where I was working with horses and stallions. I was only there a week when the owner of the stallions asked me to walk behind a stallion with a broom to get him to go back into his stall. The particular horse we were getting into the stall doesn't like another stallion in a different stall that we were walking past. He started to freak out, reared up both rear legs and kicked out, my hand was broken in the process, a complete fracture to one of my bones. Surgery was needed, and a plate and seven screws were needed to fix the break. It was going to go on workmans comp, until the owner of the horse barn told me he hadn't put me on the books yet, when he said he was going to on my hire date. He ended up paying me cash the week after my surgery with a written pay stub. My boss was going to put it on the barn insurance and told me to lie to the adjuster about how the incident had happened in order for them to cover it. I chose not to lie and told them the truth. The insurance took 3 months to come to a decision of which they denied to cover it because they do not cover medical. My surgery is costing $25,000 of which the owner of the horse is not willing to pay. I need to take action as it has now been 4 months since the incident and my surgery. I have the text messages and voice-mail of my boss telling me to lie to the adjuster and I still have the written paystub. I had contacted Sam Bernstein and Feiger law and they said they could not help. What should my next plan of action be? I don't see how I don't have a case... Yes, insurance fraud is the best solution to this horse related issue! Also, my husband and I keep talking about wanting to buy a house in the country by his family. He keeps saying he wants horses. All the more reason for us to keep separate accounts. (In his defense, he's from KY, and horses there are really cheap because everyone has the next Seabiscuit, and then when they don't, they offload them for the tens of dollars instead of hundreds of dollars. And he grew up with horses, and wants our son to grow up learning how to ride. Luckily he is willing to compromise and just pay for lessons or find a neighbor who will just let our son ride for free to exercise the horses, or will trade lessons for barn work.)
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Mar 17, 2017 02:06
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The Something Awful Forums > Discussion > Ask / Tell > Business, Finance, and Careers > Bad With Money - I got hired by an equestrian center...
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Mar 17, 2017 07:31
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Subjunctive posted:(I have bipolar disorder, though it's type 2 so it has mostly manifested in a bloated Steam catalog and large charitable donations.) I also have bipolar 2 and about 8-10 years ago I bought so many craft supplies (beads, fabric, yarn, etc) that I am STILL working through them. Taking your meds: GWM
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Mar 17, 2017 13:22
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I don't have bipolar and I've still managed to buy enough hobby supplies and start enough half-finished projects that i'll be set for decades to come, maybe i'm just dumb 
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Mar 17, 2017 13:57
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I have ADHD and can completely commiserate vis a vis: taking of meds and unfinished tasks, like this one time I
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Mar 17, 2017 14:13
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Listening to Vampire Weekend about the merits of the Oxford Comma: BWMquote:A US dairy faces an overtime bill of about $10m, after a group of truck drivers won a pay dispute that hinged on some punctuation. And another $70 million comma. quote:When US defence giant Lockheed Martin signed a deal to build Hercules military transport aircraft for an unnamed air force, it knew manufacturing would take several years. And a $333 million dollar comma quote:In December 2005, stock market trading in a newly listed Japanese company was thrown into chaos by a broker's typing error.
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Mar 17, 2017 14:44
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Huh you know it's almost like words mean things
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Mar 17, 2017 15:01
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NancyPants posted:Huh you know it's almost like words mean things but words are a social construct!
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Mar 17, 2017 15:58
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Dwight Eisenhower posted:but words are a social construct! Don't think of any giraffes.
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Mar 17, 2017 16:14
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NancyPants posted:Don't think of any giraffes. I thought of an elephant when you said that for some reason
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Mar 17, 2017 16:16
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ate all the Oreos posted:I thought of an elephant when you said that for some reason Because I usually say pink elephant.
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Mar 17, 2017 16:18
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AA is for Quitters posted:More horse BWM , courtesy of r/legaladvice Yeah, that seems like a straight-up employment law issue. 'Business hires employee, doesn't do the paperwork in a timely manner, employee is injured on the job' is a pretty old one.
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Mar 17, 2017 16:33
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It's not like it is a gotcha technicality; the way it is written doesn't include distribution. The intent might have been something else, but the language is unambiguous.
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Mar 17, 2017 17:46
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therobit posted:It's not like it is a gotcha technicality; the way it is written doesn't include distribution. The intent might have been something else, but the language is unambiguous.
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Mar 17, 2017 18:06
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therobit posted:It's not like it is a gotcha technicality; the way it is written doesn't include distribution. The intent might have been something else, but the language is unambiguous. lol no, the whole decision was based on the fact that the language IS ambiguous, in which case the court has to side the employees
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Mar 17, 2017 18:32
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The serial/oxford comma is really a test of interpretation. Does the rest of the document use it? Then this instance is probably also using the oxford comma. If the rest of the document doesn't, then this sentence probably reflects that as well. Really, the case is to consistently use it or consistently not use it. Also, most oxford comma issues could he fixed by just using a better order within the list.
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Mar 17, 2017 18:37
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I thought the oxford comma only applied to cases where it was completely optional, as in no ambiguity, 100% stylistic choice. Anywhere else and it's just a regular ol' comma.
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Mar 17, 2017 18:52
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It might also be that the case wasn't actually soley decided on the basis of the comma but that that's what the paper runs with because it's more catchy. They might have also taken other context clues into consideration when construing that overtime norm.
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Mar 17, 2017 19:33
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ate all the Oreos posted:I thought the oxford comma only applied to cases where it was completely optional, as in no ambiguity, 100% stylistic choice. Anywhere else and it's just a regular ol' comma. Best practice is to just never drop the comma, even when doing so wouldn't create ambiguity. Dropping it is a pointless affectation.
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Mar 17, 2017 19:52
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Randler posted:It might also be that the case wasn't actually soley decided on the basis of the comma but that that's what the paper runs with because it's more catchy. They might have also taken other context clues into consideration when construing that overtime norm.  Seems to have been pretty key.
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Mar 17, 2017 19:56
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Vox Nihili posted:Best practice is to just never drop the comma, even when doing so wouldn't create ambiguity. Dropping it is a pointless affectation. It makes me pause twice as long when reading and that's annoying and everyone in the world needs to conform to my opinions dammit 
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Mar 17, 2017 20:27
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ate all the Oreos posted:It makes me, pause, twice as long, when reading, and that's annoying, and everyone, in the world, needs to conform, to my opinions, dammit
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Mar 17, 2017 21:54
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