Our Indian Heritage Proudly
Indo Caribbean Center
Saraswati Devi Mandir
1453 N Pine Hills Rd
Orlando, Fl 32808
407-522-7055
This site was created by Geeta Gopie-Persaud
Money and Marriage 101
For starters, unless there is a nuptial contract, you will share your assets — and debts — with your spouse 50/50. Don't worry. You can still create a post-marital agreement after the wedding day if you choose, but remember that you must each must be represented by lawyers, and full disclosure is required.
If you want to simply share your money, you and your spouse should determine your:
- Net worth. In addition to your income, make sure to list your checking and savings account amounts; money markets or CDs; employer benefits, such as 401(k)s and life insurance ; real estate holdings; and so on.
- Monthly expenses. Besides rent, food, and other predictable expenses, remember to include disability and health insurance (you now have the option to pick one plan so figure that into your finances). You might also want to track expenses closely for at least a month to determine where your money is going. It's an easy way to determine spending patterns and pinpoint solutions for tighter budgets.
- Debts. Debts can mean credit cards debt, school loans, mortgages, car payments, investment debts (if you buy on margin), and more. With each, you should determine how much you owe and the interest rate of return. With credit cards, it might be wise to switch your balances to cards with lower rates, or use your savings to pay off as much as possible the accounts with high-interest rates. Estimate how long it will take until you are free of debt.
- Financial goals. Talk with your spouse about financial goals. Do you want to travel and dine out, or eat in and save? How much do you want to spend on buying a home, decorating expenses, leasing a car, and so on?
- Budget. Create a monthly budget to meet your financial goals. Make sure to set aside money for emergency expenses, or in case either of you get sick or disabled. (The rule of thumb is to save from three to six months rent.)
- Bank account type. Many couples set up a joint bank account; others decide to keep their incomes separate and divvy up the bills; still others have a shared account for household bills and separate accounts for personal use. The choice is up to you. Alternatives to checking and savings accounts include money market accounts, which earn a higher interest rate than savings accounts, and certificates of deposit, or CDs, where you make an investment for a fixed number of years and earn interest.
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- dem say
- "Heaven is when you have an American Salary, live in a British house, eat Chinese food and have an Indian Wife
Hell is when you have an American Wife; eat British Food; have a Chinese house and get an Indian Salary- *****************************************************************************************
The name Coca-Cola in China was first rendered as Ke-kou-ke-la. Unfortunately, the Coke company did not discover until after thousands of signs had been printed that the phrase means "bite the wax tadpole" or "female horse stuffed with wax" depending on the dialect. Coke then researched 40,000 Chinese characters and found a close phonetic equivalent, "ko-kou-ko-le," which can be loosely translated as "happiness in the mouth." - ***********************************************************************************
Match Made in Heaven
A young couple were driving down the road one day, happily, deliriously in love and due to be married the next day. Suddenly, a large truck swerved from the oncoming lanes into their car! BOOM! And they both died.At the Pearly Gates, the young couple confronted St. Peter. "Sir, you have to help us! We were to be married tomorrow. Is there any way we can be married in Heaven?""Hmmm," replied St. Peter, "I don't recall there ever being a marriage in Heaven. Well, let's take it up with God and see what he says."So they approached God with their plea. God sat for a moment, pondering the request. Then he looked down and said, "Come back in five years and ask me again."Five years later, the couple approached God again, even more in love than ever and pleading that he allow their marriage. God paused for quite a while, musing over their request. Then he spoke, "Come back in five years and ask me again."And once again, five years later, the couple was again in the presence of God, more in love than ever and begging God's permission for the third time to marry. This time God smiled broadly and thundered, "Yes my children, you may marry!"Well, the wedding went off beautifully, the reception was huge, everyone thought the bride was simply breathtaking and the groom was soooo handsome, and everyone was happy! Until...Two years later, the couple was back before God, and things were not looking so good. The couple had come to the realization almost immediately that although marriages were made in heaven, they didn't last very long there! And, in spite of their struggles to come to terms with the situation, they had decided there simply was no alternative but to get a divorce.Black clouds fractured by lightening rolled across the sky, and the ground shook with explosive thunder. God glared down at the tiny couple before him, his face becoming dark and angry, and he roared, "Divorce?! Impossible!!! It took us TEN years just to find a priest in Heaven! Do you have any idea how long it will take to find a LAWYER?!!"
A young couple were driving down the road one day, happily, deliriously in love and due to be married the next day. Suddenly, a large truck swerved from the oncoming lanes into their car! BOOM! And they both died.
At the Pearly Gates, the young couple confronted St. Peter. "Sir, you have to help us! We were to be married tomorrow. Is there any way we can be married in Heaven?"
"Hmmm," replied St. Peter, "I don't recall there ever being a marriage in Heaven. Well, let's take it up with God and see what he says."
So they approached God with their plea. God sat for a moment, pondering the request. Then he looked down and said, "Come back in five years and ask me again."
Five years later, the couple approached God again, even more in love than ever and pleading that he allow their marriage. God paused for quite a while, musing over their request. Then he spoke, "Come back in five years and ask me again."
And once again, five years later, the couple was again in the presence of God, more in love than ever and begging God's permission for the third time to marry. This time God smiled broadly and thundered, "Yes my children, you may marry!"
Well, the wedding went off beautifully, the reception was huge, everyone thought the bride was simply breathtaking and the groom was soooo handsome, and everyone was happy! Until...
Two years later, the couple was back before God, and things were not looking so good. The couple had come to the realization almost immediately that although marriages were made in heaven, they didn't last very long there! And, in spite of their struggles to come to terms with the situation, they had decided there simply was no alternative but to get a divorce.
Black clouds fractured by lightening rolled across the sky, and the ground shook with explosive thunder. God glared down at the tiny couple before him, his face becoming dark and angry, and he roared, "Divorce?! Impossible!!! It took us TEN years just to find a priest in Heaven! Do you have any idea how long it will take to find a LAWYER?!!"
I have worshipped woman as the living embodiment of the spirit of service and sacrifice.
-Mahatma Gandhi, 1933
Copyright © 2007 The contents of this site is for the exclusive use.OF SARASWATI DEVI MANDIR All Rights Reserved.******************************************************************************************************
Copyright © 2007 The contents of this site is for the exclusive use.OF SARASWATI DEVI MANDIR All Rights Reserved.
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