Ok to all of you out there who are in a full time relationship, or are planning to get married into one.... I have a tip for you, actually 2
1) put your credit card in your own name, make sure you establish some credit "stand alone" as well as joint
2) if you drive your own vehicle, insure it in your own name, establish insurance history "stand alone"
OMG I am battling the bank and insurance companies for A line of credit, and car insurance and because i have no so called "history" they are totally goudging me on rates.
I am 40+ years old with a spotless driving and insurance claim record and they want to charge me $200/year more than the beau for the same quote and why well frankly because i have not history.
B***ards
When you marry
When you marry
�You only live once, but if you do it right, once is enough.�
• Mae West
• Mae West
When you marry
minks wrote: Ok to all of you out there who are in a full time relationship, or are planning to get married into one.... I have a tip for you, actually 2
1) put your credit card in your own name, make sure you establish some credit "stand alone" as well as joint
2) if you drive your own vehicle, insure it in your own name, establish insurance history "stand alone"
OMG I am battling the bank and insurance companies for A line of credit, and car insurance and because i have no so called "history" they are totally goudging me on rates.
I am 40+ years old with a spotless driving and insurance claim record and they want to charge me $200/year more than the beau for the same quote and why well frankly because i have not history.
B***ards
Not the best advice Minks. I understand why you are saying this but there are other ways to establish your own financial identity. Having things owned separately can have negative tax consequences in some cases in addition to creating some problems upon the death of one or the other. Your auto insurance rate is established on the basis that you are a female and your age group, not on your particular driving history.
1) put your credit card in your own name, make sure you establish some credit "stand alone" as well as joint
2) if you drive your own vehicle, insure it in your own name, establish insurance history "stand alone"
OMG I am battling the bank and insurance companies for A line of credit, and car insurance and because i have no so called "history" they are totally goudging me on rates.
I am 40+ years old with a spotless driving and insurance claim record and they want to charge me $200/year more than the beau for the same quote and why well frankly because i have not history.
B***ards
Not the best advice Minks. I understand why you are saying this but there are other ways to establish your own financial identity. Having things owned separately can have negative tax consequences in some cases in addition to creating some problems upon the death of one or the other. Your auto insurance rate is established on the basis that you are a female and your age group, not on your particular driving history.
When you marry
Minks if you were a named driver on your ex's motor insurance than it should count for something maybe just not for the first year until you are established on your own.....
I was named on my ex's ins for 20 years with a fullno claims and when I went alone after talking to them they gave me 75% for the first year then 100% no claims......try talking to them.
I have always had my own bank account and put my bf's money into it also. hahaha :wah:
I was named on my ex's ins for 20 years with a fullno claims and when I went alone after talking to them they gave me 75% for the first year then 100% no claims......try talking to them.
I have always had my own bank account and put my bf's money into it also. hahaha :wah:
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chonsigirl
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When you marry
Stand alone credit is necessary for a woman today. I still keep many things in my name, including both houses! Thank God for that sensibility, because who knows what would have happened to the house when my husband became sick!
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robinseggs
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When you marry
pina wrote: Minks if you were a named driver on your ex's motor insurance than it should count for something maybe just not for the first year until you are established on your own.....
I was named on my ex's ins for 20 years with a fullno claims and when I went alone after talking to them they gave me 75% for the first year then 100% no claims......try talking to them.
I have always had my own bank account and put my bf's money into it also. hahaha :wah:
That is the kicker, yes I have been an insured driver on my own for 5 years long ago, clean record, and for the past 17 prior to divorce I was named on a joint policy with the ex, I do have history, but no one cares to research it.
I was named on my ex's ins for 20 years with a fullno claims and when I went alone after talking to them they gave me 75% for the first year then 100% no claims......try talking to them.
I have always had my own bank account and put my bf's money into it also. hahaha :wah:
That is the kicker, yes I have been an insured driver on my own for 5 years long ago, clean record, and for the past 17 prior to divorce I was named on a joint policy with the ex, I do have history, but no one cares to research it.
�You only live once, but if you do it right, once is enough.�
• Mae West
• Mae West
When you marry
What about phoning a different insurance company and telling them how long you have been insured for on your own and on your ex's, and ask what they can offer you. There is some good deals out there its just finding the right one.
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actionfigurestepho
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- Joined: Fri Jul 22, 2005 7:32 am
When you marry
When I worked in sales I saw people who got screwed by divorce all the time. Having one credit card in your name is a good idea. I wouldn't necessarily say to have everything in one person's name, but it doesn't hurt to keep a separate credit line...especially in the case where one partner takes off. Then at least you can say "I made payments on this all on my own for x amount of years."
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actionfigurestepho
- Posts: 1086
- Joined: Fri Jul 22, 2005 7:32 am
When you marry
Phhhbbbttt yourself! Self sufficiency is cool. Plus it's a pain to get all your stuff changed over. The Boy and I are debating what we're going to do with our cards and checking accounts now. Seems like such a hassel to make everything joint.
When you marry
This is sure a 'down' topic, but if I could put in my 2 cents worth: A pre-nuptual agreement is not a bad idea, either, especially if you have something you have told him you're planning on giving to your kids, etc.
Went with my soon-to-be-ex five years before I agreed to marry him, Figured if he had true colors to show they would have bled through by then. My Dad asked us about a pre-nup, but he let it be known that would be an insult to him because, "My word is my bond". He also insisted I keep a separate bank account of my own, and that if anything ever happened to our marriage, he would leave with only those things that were his. HAHAHAHAHAHAHA
Now, 5 1/2 yrs later, he met someone on the internet (knew her for less than a month), snuck out on a 3-day bike ride to 'clear his head about our relationship' (actually went to meet her), came home, asked me for a divorce, and is trying to get 1/2 my pension, bank acount, half the 5 year appreciated value of my home, etc.
Glad we had separate credit cards, because mine are clear, and he owes $35,000 on his, which he wants me to pay 1/2----for his 2 Harleys, antique car, etc.
Yes, some things are worth keeping separate.
Went with my soon-to-be-ex five years before I agreed to marry him, Figured if he had true colors to show they would have bled through by then. My Dad asked us about a pre-nup, but he let it be known that would be an insult to him because, "My word is my bond". He also insisted I keep a separate bank account of my own, and that if anything ever happened to our marriage, he would leave with only those things that were his. HAHAHAHAHAHAHA
Now, 5 1/2 yrs later, he met someone on the internet (knew her for less than a month), snuck out on a 3-day bike ride to 'clear his head about our relationship' (actually went to meet her), came home, asked me for a divorce, and is trying to get 1/2 my pension, bank acount, half the 5 year appreciated value of my home, etc.
Glad we had separate credit cards, because mine are clear, and he owes $35,000 on his, which he wants me to pay 1/2----for his 2 Harleys, antique car, etc.
Yes, some things are worth keeping separate.
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orangesox1
- Posts: 995
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When you marry
Thats terrible Grizabela, If I marry again I will have a pre nap to protect my assets for my children, if I remarried and then died everything would go to him and then if the man I had remarried, remarried and she died everything would go to her and my kids miss out compeletly.
I have a very good relationship with my ex, and when he comes to visit the children he stays with us, I still have access to his credit card through my internet banking and occasionaly he has let me use it and pay it back later. I have no problem getting my own though.
I payed him out for the house he took the car and left the furniture for me. We settled and divorced with out a solicitor by doing all the paper work our selves. Mines a good story and I consider myself to be one of the lucky ones, I still love him and he me but not the way we did when we first got married 20 yrs ago. We both like to see each other doing well and would always be there to help each other if need be.
Anyway I'm going on a date tonight with a man that I had a relationship with a while ago, :-4 he was still carrying to much baggage then but has lost some of it now.
I have a very good relationship with my ex, and when he comes to visit the children he stays with us, I still have access to his credit card through my internet banking and occasionaly he has let me use it and pay it back later. I have no problem getting my own though.
I payed him out for the house he took the car and left the furniture for me. We settled and divorced with out a solicitor by doing all the paper work our selves. Mines a good story and I consider myself to be one of the lucky ones, I still love him and he me but not the way we did when we first got married 20 yrs ago. We both like to see each other doing well and would always be there to help each other if need be.
Anyway I'm going on a date tonight with a man that I had a relationship with a while ago, :-4 he was still carrying to much baggage then but has lost some of it now.
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LottomagicZ4941
- Posts: 752
- Joined: Wed Oct 06, 2004 12:00 pm
When you marry
My sister just ran into trouble because her car is in my dad's name. They told her it was illegal for her to insure someone elses car?
Yet it is illegal not to have auto insurance in Colorado.
Another bad insurance story.
An agent friend of my was cancled so she called the underwriter and asked why did policy number . . . . get cancled.
And he was like don't tell the insured but we canceled her because she just got divorced and divorced people are more likely to have accidents.
They reinstated her but she was not ammused. Showed how lousy of a company she works.
Lotto
http://com4.runboard.com/blifetheuniver ... inchat.t42
MagicZ4941A
Yet it is illegal not to have auto insurance in Colorado.
Another bad insurance story.
An agent friend of my was cancled so she called the underwriter and asked why did policy number . . . . get cancled.
And he was like don't tell the insured but we canceled her because she just got divorced and divorced people are more likely to have accidents.
They reinstated her but she was not ammused. Showed how lousy of a company she works.
Lotto
http://com4.runboard.com/blifetheuniver ... inchat.t42
MagicZ4941A
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actionfigurestepho
- Posts: 1086
- Joined: Fri Jul 22, 2005 7:32 am
When you marry
When The Boy and I get married, does he become responsible for my medical debt? Because I have a lot of it and he has not so much, and I'd hate to see that affect him.
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Accountable
- Posts: 24818
- Joined: Mon May 30, 2005 8:33 am
When you marry
minks wrote: That is the kicker, yes I have been an insured driver on my own for 5 years long ago, clean record, and for the past 17 prior to divorce I was named on a joint policy with the ex, I do have history, but no one cares to research it.
I could be wrong, but I think you can get a letter of reference from the insurance company.
I could be wrong, but I think you can get a letter of reference from the insurance company.
When you marry
grizabela wrote: This is sure a 'down' topic, but if I could put in my 2 cents worth: A pre-nuptual agreement is not a bad idea, either, especially if you have something you have told him you're planning on giving to your kids, etc.
Went with my soon-to-be-ex five years before I agreed to marry him, Figured if he had true colors to show they would have bled through by then. My Dad asked us about a pre-nup, but he let it be known that would be an insult to him because, "My word is my bond". He also insisted I keep a separate bank account of my own, and that if anything ever happened to our marriage, he would leave with only those things that were his. HAHAHAHAHAHAHA
Now, 5 1/2 yrs later, he met someone on the internet (knew her for less than a month), snuck out on a 3-day bike ride to 'clear his head about our relationship' (actually went to meet her), came home, asked me for a divorce, and is trying to get 1/2 my pension, bank acount, half the 5 year appreciated value of my home, etc.
Glad we had separate credit cards, because mine are clear, and he owes $35,000 on his, which he wants me to pay 1/2----for his 2 Harleys, antique car, etc.
Yes, some things are worth keeping separate.
Whooo weee gBella, I sympathize with you. In the end of it all the law here states 50 50 in dept 50 50 in assets. I I was held liable for 50% of his personal tax debt, which totaled over 30,000, I was liable for half a bad loan he had and lost about 10,000 on that, when we went to sell our house I came away with only 10% of it's value due to lawyers bills and his debts. He took pity on me and absorbed the credit card debt as he claims it was mostly his. I also lost out on 2,000 for my portion of miles overage on our co-leased vehicle. It is hell, and I think you need to have things in separate accounts. And GBella, I feel bad for you in all you had to endure. But it will be most liberating once you are able to get back on your feet again. And live on your own.
Went with my soon-to-be-ex five years before I agreed to marry him, Figured if he had true colors to show they would have bled through by then. My Dad asked us about a pre-nup, but he let it be known that would be an insult to him because, "My word is my bond". He also insisted I keep a separate bank account of my own, and that if anything ever happened to our marriage, he would leave with only those things that were his. HAHAHAHAHAHAHA
Now, 5 1/2 yrs later, he met someone on the internet (knew her for less than a month), snuck out on a 3-day bike ride to 'clear his head about our relationship' (actually went to meet her), came home, asked me for a divorce, and is trying to get 1/2 my pension, bank acount, half the 5 year appreciated value of my home, etc.
Glad we had separate credit cards, because mine are clear, and he owes $35,000 on his, which he wants me to pay 1/2----for his 2 Harleys, antique car, etc.
Yes, some things are worth keeping separate.
Whooo weee gBella, I sympathize with you. In the end of it all the law here states 50 50 in dept 50 50 in assets. I I was held liable for 50% of his personal tax debt, which totaled over 30,000, I was liable for half a bad loan he had and lost about 10,000 on that, when we went to sell our house I came away with only 10% of it's value due to lawyers bills and his debts. He took pity on me and absorbed the credit card debt as he claims it was mostly his. I also lost out on 2,000 for my portion of miles overage on our co-leased vehicle. It is hell, and I think you need to have things in separate accounts. And GBella, I feel bad for you in all you had to endure. But it will be most liberating once you are able to get back on your feet again. And live on your own.
�You only live once, but if you do it right, once is enough.�
• Mae West
• Mae West
When you marry
pina wrote: What about phoning a different insurance company and telling them how long you have been insured for on your own and on your ex's, and ask what they can offer you. There is some good deals out there its just finding the right one.
Pina I have phoned 6 insurance companies and told them all the same story, no one is willing to cut me a deal. The reason I keep getting is I own a car that is a little above average cost for parts and repair I call BULL! When the beau called they quoted him $200 less for the same car. It is just plain wrong.
Pina I have phoned 6 insurance companies and told them all the same story, no one is willing to cut me a deal. The reason I keep getting is I own a car that is a little above average cost for parts and repair I call BULL! When the beau called they quoted him $200 less for the same car. It is just plain wrong.
�You only live once, but if you do it right, once is enough.�
• Mae West
• Mae West
When you marry
Accountable wrote: I could be wrong, but I think you can get a letter of reference from the insurance company.
insurance is so bad here in Alberta that the government stepped in and already demaded mandatory rate cuts and a second one is in the works, so I hope this will aid in my cause too.
I keep calling all sorts of companies.
insurance is so bad here in Alberta that the government stepped in and already demaded mandatory rate cuts and a second one is in the works, so I hope this will aid in my cause too.
I keep calling all sorts of companies.
�You only live once, but if you do it right, once is enough.�
• Mae West
• Mae West
When you marry
minks wrote: Pina I have phoned 6 insurance companies and told them all the same story, no one is willing to cut me a deal. The reason I keep getting is I own a car that is a little above average cost for parts and repair I call BULL! When the beau called they quoted him $200 less for the same car. It is just plain wrong.
It maybe doesn't work in the same way where you are Minks, but I had no problems when I went on my own and even now my name is the first on the ins. and Pete is the named driver because it was cheaper for me than for him. Is there no Ins. companies offering lower quotes for lady drivers? or sometimes looking on the net you can find lower quotes especially the ones that deal only on the net.....if I think of anything else I'll let you know.....keep looking something should come up.
It maybe doesn't work in the same way where you are Minks, but I had no problems when I went on my own and even now my name is the first on the ins. and Pete is the named driver because it was cheaper for me than for him. Is there no Ins. companies offering lower quotes for lady drivers? or sometimes looking on the net you can find lower quotes especially the ones that deal only on the net.....if I think of anything else I'll let you know.....keep looking something should come up.
When you marry
Sometime ago in England, the insurance companies determined by research that women drivers were a safer bet than male drivers and offered special low rates for women. I'd have thought you could find something online. do you have to stick to local insurance companies. Can you shop around the states online?