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Credit Cards.com: As opposed to the whack-a-mole approach where you deal with your finances piecemeal, whenever one pops up. Manisha Thakor: Oftentimes they don't give correct financial advice. I cannot tell you, in my previous life as a portfolio manager, how many times clients came in with the most cockamamie ideas they had heard on the golf course.
Credit Cards.com: Especially if your foursome included Bernie Madoff. Credit Cards.com: How can a couple recognize and capitalize on each others strengths?
Manisha Thakor, above, co-authored "Get Financially Naked: How To Talk Money With Your Honey." In the book, she and co-author Sharon Kedar advocate opening a conversation about money -- even if it's difficult. Credit Cards.com: First off, snaps on the title of your book. (chuckles) We had to get people's attention, because it wasn't a topic that they innately want to discuss.
Financial choices have become trickier and talking about them have become taboo, neither of which is conducive to good relationships, or to long term wealth. Manisha Thakor and Sharon Kedar, two certified financial analysts, hope to break the ice and save a few million relationships in the process with "Get Financially Naked: How To Talk Money With Your Honey," their step-by-painful-step guide to talking about the least romantic topic ever. Couples would rather discuss erectile dysfunction than talk about this, honestly. Talking about money really is more intimate than talking about sex.
Credit Cards.com: That's where a certified financial planner can help, right?
Manisha Thakor: In certain religions, part of the process of getting married is going through premarital counseling, and a component of that is discussing money.
Credit Cards.com: Especially when so many live beyond their means in part to attract the opposite sex. In my 15 years in institutional money management, I cannot tell you how many people I met who made not only six-figure incomes but seven-figure incomes, people who made over a million dollars a year, who were routinely spending more than they earned.
They had these external images that bore no resemblance to their internal financial reality.
It can be as simple as finding an hourly fee-based financial planner that you would pay by the hour at rates similar to a psychologist, and running through a list of your prospective household financial statements. Credit Cards.com: So what's so wrong about just asking your friends for advice?Manisha Thakor: We include in "Get Financially Naked" a financial compatibility quiz.The idea behind the quiz is for each partner to assess their knowledge, interest and behavior with regards to money.Where our parents weren't educated about personal finance either, their financial options were fairly limited, so they were able to self-educate on the subject.