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Consider these five topics before popping the question: 1/ Flickr/Adán Sánchez de Pedro What is your money philosophy? Before getting into the details of joint bank accounts and estate planning, start by understanding the financial background of your partner, says Andy Smith, certified financial planner and financial adviser at the Mutual Fund Store: “Start talking about your backgrounds, where you’re coming from. Try to get a sense of how the other person approaches money.” You’ll want to find out how they feel about money and what they consider to be its purpose in their life. What are their attitudes toward money? What are yours? What did your parents teach you about spending, saving, philanthropy? 2/ Flickr/Anders Lejczak What are your financial goals? Just because you may now have two incomes doesn’t mean you can afford everything you want. “There are some needs and wants that are more equal than others,” Smith told Business Insider. Whether it’s paying for frequent vacations or owning nice cars, your values won’t always match up. Draft independent lists of your wants and needs so you can spot potential conflicts before they arise. Once you’re married, you’ll want to revisit the financial goals you talked about, make them more specific and detailed by writing them down, and establish a finish line. Be realistic when setting a time frame, but at the same time, think big and don’t be afraid to challenge yourself. But for now, getting a general idea of what your partner wants to achieve with their money is an excellent start. 3/ Flickr / Moyan Brenn What are your life goals? Does one partner plan on staying home with the kids for a period of time? What are you hoping to accomplish in the short term, and where do you want to end up 20 years from now? Do you want to travel? Retire early? You may not have a clear timeline sketched out in your head, but the earlier you start talking about your ideas for the future, the more likely you are to achieve what you want. When thinking about bigger purchases the two of you hope to make later on, it’s smart to bring up credit score. You don’t want there to be any unpleasant surprises when you and your partner go to a mortgage company to get pre-approved, for example, and you’re rejected because one of you has terrible credit. To buy a home, you’ll need a credit score of about 640, explains Bill Liatsis, CEO and co-founder of online loan platform CreditIQ, and it would take about two years to get your score up about 200 points. “If one person has a lower score, you have to be aware of that,” he explains. “Credit score has a big bearing on what that couple may be able to accomplish as a family in the future.” The earlier you cover the topic, the better. Start by checking your credit score, which you can do as often as you want through free sites like Credit Karma, Credit.com, or Credit Sesame. 4/ Getty Images/Drn How will you spend, day-to-day? If you don’t currently have a budget, now is a good time to start putting that together, advises Van Cleve: “You’ll want to really take a look at how your finances merge together. What will income look like now? What are expenses going to look like? What expenses are you going to pay for? What expenses am I going to pay for? How are we going to share those obligations together?” Take a “big picture” approach to your joint budget before you’re married — discuss the basics, like whether you can afford your home, how much money you’ll be able to put towards your wedding, and how you’ll achieve your financial and life goals. Once you’re married, you can craft a more detailed budget that accounts for your day-to-day expenses. When that time comes, don’t just set and forget about your joint budget — revisit it every month, Van Cleve suggests, and make adjustments if needed. This monthly check-in is also a good time to talk about long term financial goals: “It’s a great time to really reassess what those overall financial goals are and get a plan in place. A plan can mean different things to different folks, but it’s really just establishing your goals, deciding when you want to accomplish them by, and how long it is going to take.” 5/ Flickr / Daniela What are your assets and liabilities? Once you’ve talked about the big picture, it’s time to lay out the facts — all of them. “You don’t want any surprises,” says Van Cleve. Whether you’ve got student loans or a trust fund you never told your partner about www.st-edwards-cam.org.uk , it’s time to come completely clean and make sure your partner knows exactly what’s in your name in case something happens to you. Here are some essential issues that should be covered: 1. Saving accounts: By the time they get married, individuals may have one or two old 401(k) accounts from prior jobs www.st-edwards-cam.org.uk , a current 401(k) or IRA account, and other accounts created for them by their parents. Consider sitting down with a financial adviser who can go through all of the accounts in your name and determine what needs to happen with them, and make sure your partner has a clear understanding of them in case something happens to you. 2. Beneficiaries: For every existing 401(k), IRA, or investment account, individuals will have already listed a beneficiary in the event of their demise. “Now that you’re coming together as a couple,” Smith says, “you’re going to need to rethink those beneficiaries based on what’s appropriate for your particular situation.” 3. Debt: If either person in the relationship has a good amount of debt, it’s important to be open and honest about the entire situation, says Van Cleve: “Then, you can begin to put a plan together, by first committing to not adding any more debt and then deciding how to start attacking that debt and pay it down.” Once you’ve identified your individual assets, write everything down and keep it in a place where your partner can find it. Include login information, phone numbers, and anything else they would need to access those assets. Previous 1/ Next SEE ALSO: 10 ways couples can finish rich canada goose parka

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PolitiFact New YorkTV and MediaWeatherEditorialsLetters to the EditorAdam ZyglisStateTim Murray hopes he can continue to make trades like the one that landed Evander Kane. The Sabres general manager would have a better chance if the salary cap stopped going up, but it appears that won be the case.NHL Commissioner Gary Bettman told reporters at this week general managers meetings that he expects the cap to rise next season. Despite a plunging Canadian dollar and a lack of commitment by the NHL Players Association to use its 5 percent escalator clause, the cap could go from $69 million to $71.5 million.Buffalo best shot at prying young veterans from teams in exchange for draft picks is to have a plethora of cap strapped teams.

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I thinking it feels like cheating destiny. By leaving I somehow feel guilty on behalf of all of those not able to leave. Those who had to stay behind with their lives turned upside down.. Of course, the real tragedy here is that we never find out if the tiny Supermen could shoot even tinier ones from their fingers, and if those in turn could shoot even tinier ones and so on, down to a subatomic level. No Batusi or Shark Repellent Bat Spray here just serious, gritty robot battles. Why, look how ominously Iron Man charges into battle on his .

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Some described the protest made by Clippers players of wearing their jerseys inside out and dumping their Clippers gear in center court as tame, lame, or cowardly in contrast to the risk taken in the 1968 Olympic Games in Mexico with John Carlos and Tommie Smith. While on the medal stand, Carlos and Smith raised their fists in the Black Power salute during the national anthem as a protest against racism in the United States. I was there to actually make a statement.

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Hopefully this swell of opposition will not go away. Not now. There is a growing momentum which means that, when clubs reconvene next month for their next shareholders meeting, they will have to do something. In front of the open goal, amid some sideline encouragement, they may realise the error of their ways, pick the ball up and knock it over for a point rather than bury it. This is also because everybody knows the other unwritten rule in football: take your points and the goals will come. But not too many: that would be too much like soccer..

Schlauri got interested in the game because his father, Guido, also here with him on Sunday, played offensive tackle for an amateur American football team in Switzerland. Football because of the game’s complex strategy, its exciting, big plays and the NFL’s pageantry. Joe Luxford, wearing a Minnesota Vikings jersey, said he enjoys the outsize personalities and showmanship of the American players, such as retired Cincinnati Bengals wide receiver Chad Johnson, known for his elaborate end zone celebrations..

And that is by design. Rare is the athlete who is more charismatic than Starbury. He could have sold a million cans of pop or pizzas or whatever. Think we have a lot of depth. To me, it always an advantage when the best player in the world is on your team, and I think Crosby is the best player in the world. Americans don have incredible star power, but they quite fast and they might have the tournament best goaltending combo in Ryan Miller and Jonathan Quick.Sweden is loaded with offense led by the Sedin twins, and goalie Henrik Lundqvist is a proven international star.Selanne and the Finns can match others depth wholesale jerseys, but they won four medals in the last five Olympics more than any other nation.Jaromir Jagr leads a lively Czech team into his fifth Olympics, while the popular dark horse pick is Switzerland, which finished second at last year world championships.The gold medal game at the Bolshoi Ice Dome on Feb.

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Yet there is no visible evidence of their enmity. On the contrary, LeMond and Hinault appear, for the first time in two weeks, united. For once Hinault is not snarling; his expression tells of the effort rather the anger that fuels him. After a game that had everything, Queensland has staged a late comeback to win the first Origin 16 12. It was Billy Slater’s turn to be the Maroon hero and his try eight minutes from the end was the deciding play. Queensland should have put more points on early but NSW showed immense heart to not only withstand the fury but be leading with 10 minutes to play.

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The moment wasn too big for Brown, the executive vice president of football operations, and Andrew Berry, the vice president of player personnel. They are like landlords taking over an apartment building that previous landlords allowed to crumble into disrepair. Slapping on a coat of paint, or spending the second pick on a quarterback, wasn going to patch all the holes on a team that hasn experienced a winning season since Joe Thomas was a rookie in 2007..

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