英文翻译 英翻中 在线等!满意继续追加分数Family (Financial) Planning After ten or 12 years, your marriage is as comfortable as Saturday's flannel shirt. Now the real work begins. Developing a sound plan to secure the financial future

英文翻译 英翻中 在线等!满意继续追加分数Family (Financial) Planning After ten or 12 years, your marriage is as comfortable as Saturday's flannel shirt. Now the real work begins. Developing a sound plan to secure the financial future
英文翻译 英翻中 在线等!满意继续追加分数
Family (Financial) Planning
After ten or 12 years, your marriage is as comfortable as Saturday's flannel shirt. Now the real work begins. Developing a sound plan to secure the financial future of your marriage has probably been lost in the crush of kids and career.
"Responsibility increases with children," says M. Sophie Beckmann, a certified public accountant and certified financial planner at A.G. Edwards in St. Louis. "You're now responsible for your spouse and the children. That means planning."
Many couples live paycheck to paycheck and don't take a long view of their finances. This is the beginning of future money problems that will strain the marriage and could be catastrophic if one spouse dies or is incapacitated.
There's a message in your burgeoning gut and the quickly evaporating balance in your checking account: You're not a kid anymore and you've got to think about things like the mortgage, insurance, saving for college, retirement and even the unthinkable such as naming a legal guardian for your children should both you and your spouse die.
The type and amount of insurance you need is a good starting point for making a detailed financial plan. If the family depends on two incomes to cover daily expenses, think about insurance to cover medical costs and to replace at least a portion of the lost income if you or your spouse can no longer work.
At some point, you've got to think about getting the kids through college. Loans, scholarships and part-time work probably won't cover all expenses, even at a state university, so take a look at a 529 College Savings Plan.
The college savings plans, named for the section of the tax code that created them, now total about $43 billion in assets. In 2001, withdrawals from 529 College Savings Plans In general, funds set aside for college should be money available after meeting routine household expenses and other savings, including retirement. became tax free at the federal level for tuition, books and other qualified expenses. About half of the states offer tax breaks for contributing to their plans.
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英文翻译 英翻中 在线等!满意继续追加分数Family (Financial) Planning After ten or 12 years, your marriage is as comfortable as Saturday's flannel shirt. Now the real work begins. Developing a sound plan to secure the financial future
家庭（金融）规划
经过10或12年,您的婚姻将是跟法兰绒衬衫一样的舒适.现在,真正的工作开始了.制定一项计划,以确保健全的财政前景你的婚姻可能已经消失在拥挤的孩子和职业.
责任“随着孩子说, ”苏菲贝克曼先生,注册会计师和注册理财规划师在AG Edwards的圣路易斯. “你现在负责你的配偶和子女.这意味着规划. ”
许多夫妻生活,以工资和薪水并不需要很长的鉴于其财务状况.这是未来的开始钱的问题,将应变的婚姻,可能是灾难性的,如果配偶一方死亡或无行为能力的.
有一个消息在您的蓬勃发展和肠道迅速蒸发平衡你的支票帐户：您不是孩子了,你不得不考虑的事情,如按揭,保险,储蓄学院,退休,甚至是不可想象的,如法定监护人命名为您的孩子都应该你和你的配偶死亡.
的类型和数量的保险您需要的是一个良好的起点,作出了详细的财务计划.如果家庭取决于两个收入,以支付日常开支,想保险医疗费用和更换至少部分的收入损失,如果你或你的配偶不能再工作.
在某个时候,你还得想想让孩子们通过学院.贷款,奖学金和兼职工作可能不会支付的一切费用,甚至在一个国家的大学,以便看看在529大学储蓄计划.
学院储蓄计划,命名为第税法创造者,目前共有约430亿美元的资产. 2001年,退出529大学储蓄计划,一般而言,资金用于高校应提供资金的例行会议后,家庭开支和其他储蓄,包括退休.成为免税在联邦一级的学费,书籍和其他有资格的费用.大约有一半的国家提供税收优惠对促进他们的计划.
在线翻译的,将就看吧