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Money and Marriage 101
by: Nathan Dawson
Q. Is a prenuptial agreement necessary?
A. Legally speaking, marriage splits your combined assets and liabilities right down the middle. Everything gets shared. Therefore, a prenuptial agreement is sometimes very necessary, particularly when a married man or woman has assets or liabilities that will greatly exceed that of his or her spouse. To make a decision that is right for the both of you, consult with a financial planner who is familiar with the marriage laws in your state.

Q. What about opening a joint bank account?
A. Since all your money will in essence be merged together, opening a joint bank account can make paying bills much simpler. This is particularly true of bills for things that you own and share as a married couple, such as a house or insurance. However, it is also a good idea to budget some spending money to put into your own personal accounts.

Q. What is the average wedding cost?
A. Marriage preparation can be really hectic and stressful, depending on how fancy you want to get. Add the stress of trying to stick to a wedding budget, and you could be in for a rocky beginning. The average wedding cost is more than $15,000. This may be comfortable for you, or maybe not. Set a realistic budget taking into account your debts and your income.

Q. My spouse is a spender and I’m a saver. Will we ever agree?
A. A good marriage is about finding balance; but most of all, it is about survival. That means being less selfish, being willing to negotiate and to compromise. If you find yourself at odds about your spending habits, get premarital counseling. Couple counseling can open the lines of communication. In the long-run, good communication is the key to successful financial and family planning.

About the author:
Nathan Dawson writes for http://www.marriedfinances.comand http://www.successfulmarriageresource.com,great online sources for marriage and finance information.


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Wedding Photography That will last a lifetime
 by: Amy Spade

Having pictures that you can look at in the years that follow your wedding is just one of the things that you want to invest your money in. But if you’re on a constricted budget, then there are also options for you.

Things to consider

One of the main things to consider when it comes to photography is what you want from your pictures. Do you want pictures of your while family or mainly of the two of you? If it a larger wedding or is a more private celebration?

You and your soon-to-be spouse should sit down and list all of the pictures that you would like to have in your wedding album—that is, poses for pictures. With this list, you’ll be able to see if you should invest in a professional or consider other options.

Where do you want your pictures taken? Some couples like to have outdoor shots, so they will need to find a photographer that does that as part of their services. The length of time you would like the photographer to be at the wedding will also factor into the price.

Look at photographer samples to see if your styles match. If they don’t, the photographer may recommend someone else. They want you to have good pictures, even if it’s not with them.

When you’re on a budget

If you’re nervous about spending a lot of money on your photographer, but still want a lot of pictures—you’re in luck. With the new and improved digital cameras, you have a better shot (no pun intended) to get great pictures.

Have a good friend (who isn’t in the wedding party) volunteer to take the pictures. Since digital cameras show you what the picture looks like instantly, you can take as many as you need in order to get it just right. And the quality is just as good as many professional photographers.

Another way to get a lot of chances for good pictures is to place disposable cameras at every table. People love to take pictures of other people, so you’ll get a lot of candid shots of your relatives and friends. Plus, the quality is pretty good, so you’re not wasting your money at all.

It doesn’t matter who takes your pictures as long as you get the ones that you want. If you want to have someone else do it, then invest in the professional. But for the budget conscious, having a friend or relative take charge is just as good.



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