No one in this world who wants a divorce, but because of compulsion and / or are following the trend "insane". However, I believe people generally want to live in peace, including with her partner.
However, what if the reality of the other talk and now you belong to a group of people who live alone, divorced spouse or a divorce with your spouse? What are the implications for your financial life and how to get around too it?
In addition to providing psychological and emotional impact, the divorce will not cause you to lose some assets. Treasure what you get after marriage of course should be divided in accordance with applicable law. Moreover, if all this time you and your spouse both work or have an income, of course, after divorcing your income will be reduced. That there lived a personal income of each party. The implication, like it or not, you should arrange your finances again, reviewing financial goals, and redesign of financial planning after your own life. Or at least as long as you have not gotten a new partner.
First, the anticipation of current financial conditions, in both assets and liabilities. Recalculate your net asset back together. In other words, the asset must be first reduced by liabilities. This is very substantial because many couples forget when there was a divorce that will be divided not just wealth, but also obligations. For example, your spouse has a debt to the bank. When the debt is lodged, you co-signed a statement. So, although you are separated, still you are obliged to settle the obligation. Unless there is agreement between both parties that the debt has become one of responsibility. However, if the story like this, the creditor must be notified and the debt must be "mounted" back to the law. The best is actually the first complete liability to various parties, then the remaining assets are distributed to both parties pursuant to applicable law.
STILL in the context of the financial condition, you should soon have a personal savings account in the name if all this time your account at a bank in the form of joint accounts or qq, and during the income you put into that account. This is important because if the distribution of your assets pascaperceraian will be done through the court process, during the waiting period you will be hard to "tweaking" an existing account because one party will not necessarily be allowed.
On the other hand, if you have been using credit cards together or holding an additional card, immediately inform the credit card issuer to terminate your credit card and ask the new person on your behalf singly. For the remaining liabilities of the old credit card, of course, must be solved together as well.
Second, related to the distribution of net assets fairly and in accordance with applicable laws, of course you should mention all of the acquisition of income, assets, and liabilities in a transparent manner to the lawyer-if you use a lawyer or party to become a mediator.
For that, you must prepare all relevant documents, for example, salary statements, estimates the assets you have as indicated on the form of tax payments that you or your spouse do for at least the last five years, documentation of changes in bank savings accounts, insurance policies, documents credit, and other documents. This is important because if there is one document trail, would give the effect continued after the divorce occurs. Not just the possibility of reduced asset values, but more unfortunate is that increased liability.
Third, prepare financial support for your baby. Do not forget, the split is that you and your spouse, but your child still be a part of your life forever. So, the next step which must be anticipated is how to prepare financial certainty for the future of your children. If you have an insurance policy, make sure that the right to receive insurance money is your child and keep the premiums will be paid by you or your ex-spouse.
Fourth, set a new personal financial goals. In this case, you must first get a description of how the value of assets that belong to you. Furthermore, you can create a new target assets and designing how to achieve those financial goals.
If you have enough assets left over, it's good mealokasi assets that are more relevant to your personal characteristics. This is not impossible for your spouse, including people who like to take risks, while you prefer to avoid risk or vice versa.
When all this time you tolerate your partner's personal characteristics because it is associated with a future together, but after a future together is not possible anymore because of divorce, of course you are entitled to make financial planning including investment decisions that are better suited to you.
THAT is really best not to get divorced. Divorce, although allowed, it will reap a variety of new problems. However, if it still can not be avoided, should also be understood that divorce is not the end.
In a financial context, you must create a new financial goals based on your own abilities and no longer rely on your partner as long as you lakoni. Also you have to realistic and willing to revise your lifestyle associated with the financial condition pascaperceraian. *
Quoted from Kompas edition of Sunday, April 11, 2004. Written by Elvyn G Masassya, investment and financial analysts.
However, what if the reality of the other talk and now you belong to a group of people who live alone, divorced spouse or a divorce with your spouse? What are the implications for your financial life and how to get around too it?
In addition to providing psychological and emotional impact, the divorce will not cause you to lose some assets. Treasure what you get after marriage of course should be divided in accordance with applicable law. Moreover, if all this time you and your spouse both work or have an income, of course, after divorcing your income will be reduced. That there lived a personal income of each party. The implication, like it or not, you should arrange your finances again, reviewing financial goals, and redesign of financial planning after your own life. Or at least as long as you have not gotten a new partner.
First, the anticipation of current financial conditions, in both assets and liabilities. Recalculate your net asset back together. In other words, the asset must be first reduced by liabilities. This is very substantial because many couples forget when there was a divorce that will be divided not just wealth, but also obligations. For example, your spouse has a debt to the bank. When the debt is lodged, you co-signed a statement. So, although you are separated, still you are obliged to settle the obligation. Unless there is agreement between both parties that the debt has become one of responsibility. However, if the story like this, the creditor must be notified and the debt must be "mounted" back to the law. The best is actually the first complete liability to various parties, then the remaining assets are distributed to both parties pursuant to applicable law.
STILL in the context of the financial condition, you should soon have a personal savings account in the name if all this time your account at a bank in the form of joint accounts or qq, and during the income you put into that account. This is important because if the distribution of your assets pascaperceraian will be done through the court process, during the waiting period you will be hard to "tweaking" an existing account because one party will not necessarily be allowed.
On the other hand, if you have been using credit cards together or holding an additional card, immediately inform the credit card issuer to terminate your credit card and ask the new person on your behalf singly. For the remaining liabilities of the old credit card, of course, must be solved together as well.
Second, related to the distribution of net assets fairly and in accordance with applicable laws, of course you should mention all of the acquisition of income, assets, and liabilities in a transparent manner to the lawyer-if you use a lawyer or party to become a mediator.
For that, you must prepare all relevant documents, for example, salary statements, estimates the assets you have as indicated on the form of tax payments that you or your spouse do for at least the last five years, documentation of changes in bank savings accounts, insurance policies, documents credit, and other documents. This is important because if there is one document trail, would give the effect continued after the divorce occurs. Not just the possibility of reduced asset values, but more unfortunate is that increased liability.
Third, prepare financial support for your baby. Do not forget, the split is that you and your spouse, but your child still be a part of your life forever. So, the next step which must be anticipated is how to prepare financial certainty for the future of your children. If you have an insurance policy, make sure that the right to receive insurance money is your child and keep the premiums will be paid by you or your ex-spouse.
Fourth, set a new personal financial goals. In this case, you must first get a description of how the value of assets that belong to you. Furthermore, you can create a new target assets and designing how to achieve those financial goals.
If you have enough assets left over, it's good mealokasi assets that are more relevant to your personal characteristics. This is not impossible for your spouse, including people who like to take risks, while you prefer to avoid risk or vice versa.
When all this time you tolerate your partner's personal characteristics because it is associated with a future together, but after a future together is not possible anymore because of divorce, of course you are entitled to make financial planning including investment decisions that are better suited to you.
THAT is really best not to get divorced. Divorce, although allowed, it will reap a variety of new problems. However, if it still can not be avoided, should also be understood that divorce is not the end.
In a financial context, you must create a new financial goals based on your own abilities and no longer rely on your partner as long as you lakoni. Also you have to realistic and willing to revise your lifestyle associated with the financial condition pascaperceraian. *
Quoted from Kompas edition of Sunday, April 11, 2004. Written by Elvyn G Masassya, investment and financial analysts.
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