I am getting divorced. We have very little debt. We separated in June and that is the date we have been using. But with retirement accounts taking a nose dive, my husband wants to use current totals for those in calculating our asset split. I think the fair thing to do is to use our date of separation as that is what we used to separate our bank accounts, credit card charges, bills due. I have been a home childcare provider for 15 years and want to make sure I am getting what is fair for me. We have been to a mediator and I have an appt w/ a lawyer to review but as I am trying to keep the house and will need to cash him out of some of the equity to have our assets be 50/50, I thought I would see what the opinion of fair on these boards is. I would have the house as my retirement investment and he would keep his accounts. Both have dropped in value recently but the retirement accts. more. We live in WA and it is community property state. We want to do mediation as it is most cost effective but I am also concerned about not having an advocate for me… any suggestions would be appreciated!
Posts Tagged ‘retirement accounts’
Getting divorced… looking for input on finances… retirement accts and substantial equity in home?
Thursday, September 10th, 2009please pleaseee help with Consumer Math B Final!! I need this grade!! please!!! part 1?
Friday, June 19th, 20091. What type of reports do Equifax, TransUnion, and Experian produce?
(1 point)
income studies
credit reports
crime rate statistics
bankruptcy filings
2. How long does a negative notation on your credit report last? (1 point)
one year
ten years
seven years
forever
3. When buying or selling a used car, whats the best resource on finding an accurate price? (1 point)
Cheryl Red Book
Kelley Blue Book
Paul Pink Book
Newspaper Advertisements
4. If you drive more than 15,000 miles each year, you should lease a car instead of buying one. (1 point)
True
False
5. 401-Ks and IRAs are examples of what? (1 point)
Debt Consolidators
Stock Markets
Retirement Accounts
Checking Accounts
6. What type of insurance pays you a monthly cash benefit in the event youre injured and cannot work? (1 point)
Automobile Insurance
Long Term Care Insurance
Disability Insurance
Life Insurance
7. Your annual household income is a part of your credit score calculation. (1 point)
True
False
8. A credit card is an example of what kind of credit: (1 point)
Deferred
Revolving
Interest-Free
Recurring
9. If you have a low credit score, youll pay more for insurance. (1 point)
True
False
10. An individual who prefers high risk investments with a (possibly) high-reward is called: (1 point)
Risk-finding
Risk-taking
Risk-seeking
Risk-searching
11. Wealthy people and companies that invest money in startup companies in exchange for a large share of future profits are called what? (1 point)
Venture capitalists
Loan sharks
Loan officers
Risk-averse
12. When someone prefers to invest and participate in the founding of new companies instead of investing in savings instruments or the stock market they would be called what? (1 point)
Risk-averse
Entrepreneurial
Unilateral
Risk-finding
13. What federal program makes sure your bank deposits are never lost due to bank bankruptcy? (1 point)
The Federal Deposit Insurance Corporation
The World Bank
The Securities and Exchange Commission
The Federal Reserve Bank
14. What is the single best way to increase your long-term income? (1 point)
receive a promotion
receive a merit pay increase
increase your educational level
invest in startup companies
15. What is the best way to decrease your expenses? (1 point)
pay down any outstanding credit cards
get a smaller apartment/house
sell your automobile
diversify
16. Which of the following expenses would be considered discretionary expenses? (1 point)
rent
electricity
credit card payments
magazine subscriptions
17. When an asset (something of value) is always connected to the ground and cannot move it is called what? (1 point)
Liquidated
Real Property
Collateral
Real Estate
18. Expenses such as electricity, telephone service, and water service are called what? (1 point)
Bills
Debt
Utilities
Revolving Credit
19. The money you pay to an insurance company to insure your property or asset is called what? (1 point)
An insurance premium
An insurance deductible
An insurance payment
Insurance coverage
20. When an asset (something of value) such as an automobile or home is voluntarily sold for cash, it would be considered what? (1 point)
Refinanced
Liquidated
Collateral
Repossessed
21. Documentation from an insurance company that states what item or property is insured and the amount that you will receive if the property is destroyed is called what?
(1 point)
An insurance premium
An insurance declaration
An insurance policy
An insurance deductible
22. An Emergency fund should be made up of what? (1 point)
Real property
Savings instruments
Stock
Cash Only
23. The amount of money youre likely to make in a lifetime is called what? (1 point)
tax bracket
income potential
taxable income
equity
24. When inflation is high, on a daily basis the money in your pocket becomes what? (1 point)
Worth more
Worth less
Liquidated
Discretionary spending
25. A numerical comparison between two figures is called what? (1 point)
a ratio
a percentage
a sum
a difference
Consumer Math Help Plzzz?
Thursday, June 18th, 20091. What type of reports do Equifax, TransUnion, and Experian produce?(1 point)
income studies
credit reports
crime rate statistics
bankruptcy filings
2. How long does a negative notation on your credit report last? (1 point)
one year
ten years
seven years
forever
3. When buying or selling a used car, whats the best resource on finding an accurate price? (1 point)
Cheryl Red Book
Kelley Blue Book
Paul Pink Book
Newspaper Advertisements
4. If you drive more than 15,000 miles each year, you should lease a car instead of buying one. (1 point)
True
False
5. 401-Ks and IRAs are examples of what? (1 point)
Debt Consolidators
Stock Markets
Retirement Accounts
Checking Accounts
6. What type of insurance pays you a monthly cash benefit in the event youre injured and cannot work? (1 point)
Automobile Insurance
Long Term Care Insurance
Disability Insurance
Life Insurance
7. Your annual household income is a part of your credit score calculation. (1 point)
True
False
8. A credit card is an example of what kind of credit: (1 point)
Deferred
Revolving
Interest-Free
Recurring
9. If you have a low credit score, youll pay more for insurance. (1 point)
True
False
10. An individual who prefers high risk investments with a (possibly) high-reward is called: (1 point)
Risk-finding
Risk-taking
Risk-seeking
Risk-searching
11. Wealthy people and companies that invest money in startup companies in exchange for a large share of future profits are called what? (1 point)
Venture capitalists
Loan sharks
Loan officers
Risk-averse
12. When someone prefers to invest and participate in the founding of new companies instead of investing in savings instruments or the stock market they would be called what? (1 point)
Risk-averse
Entrepreneurial
Unilateral
Risk-finding
13. What federal program makes sure your bank deposits are never lost due to bank bankruptcy? (1 point)
The Federal Deposit Insurance Corporation
The World Bank
The Securities and Exchange Commission
The Federal Reserve Bank
14. What is the single best way to increase your long-term income? (1 point)
receive a promotion
receive a merit pay increase
increase your educational level
invest in startup companies
15. What is the best way to decrease your expenses? (1 point)
pay down any outstanding credit cards
get a smaller apartment/house
sell your automobile
diversify
16. Which of the following expenses would be considered discretionary expenses? (1 point)
rent
electricity
credit card payments
magazine subscriptions
17. When an asset (something of value) is always connected to the ground and cannot move it is called what? (1 point)
Liquidated
Real Property
Collateral
Real Estate
18. Expenses such as electricity, telephone service, and water service are called what? (1 point)
Bills
Debt
Utilities
Revolving Credit
19. The money you pay to an insurance company to insure your property or asset is called what? (1 point)
An insurance premium
An insurance deductible
An insurance payment
Insurance coverage
20. When an asset (something of value) such as an automobile or home is voluntarily sold for cash, it would be considered what? (1 point)
Refinanced
Liquidated
Collateral
Repossessed
21. Documentation from an insurance company that states what item or property is insured and the amount that you will receive if the property is destroyed is called what?
(1 point)
An insurance premium
An insurance declaration
An insurance policy
An insurance deductible
22. An Emergency fund should be made up of what? (1 point)
Real property
Savings instruments
Stock
Cash Only
23. The amount of money youre likely to make in a lifetime is called what? (1 point)
tax bracket
income potential
taxable income
equity
24. When inflation is high, on a daily basis the money in your pocket becomes what? (1 point)
Worth more
Worth less
Liquidated
Discretionary spending
25. A numerical comparison between two figures is called what? (1 point)
a ratio
a percentage
a sum
a difference
26. When your credit score is poor, your mortgage interest rate will be: (1 point)
Higher
Lower
27. A revolving credit account where the cardholder must pay the full account balance each month is called what? (1 point)
a charge card
a debit card
a credit card
a gift card
28. In a list of numbers placed in numerical order, the middle number is called what? (1 point)
the average
the median
the difference
the total
29. A FREE warranty from an automobile manufacturer that covers any and all mechanical problems for a specified period from the purchase date is generally called what? (1 point)
Supplemental insurance
Bumper-to-Bumper warranty
Manufacturers extended warranty
Sellers guarantee
30. A short-term financial goal is achieved within what time period? (1 point)
10-25 years
1-12 months
1-5 years
30 years
31. E
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| Retirement Investing: Charles Schwab: Retirement Accounts Whether you're looking for an individual, business, inherited, or custodial IRA, Schwab has a retirement account to help you reach your financial goals. schwab.com/public/schwab/ | |
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