同林鸟离婚前需考虑的六个财务问题_BEC初级作文

同林鸟离婚前需考虑的六个财务问题

Obtain a credit report for yourself, says Anthony Ogorek, a financial planner in Williamsville, N.Y. A credit report will detail balances outstanding as well as open and closed lines of credit.

纽约州威廉斯维尔(Williamsville)的理财规划师Anthony Ogorek建议，为你自己准备一份信用报告。信用报告将列出你未清账款的细节情况以及开放式、封闭式信用额度。

'This can be critical in the event a spouse tries to retaliate by running up credit balances,' he says.

他说，如果配偶企图通过刷爆信用卡来报复你，那么这一步就显得至关重要。

It can also determine if your spouse has opened accounts you are unaware of, says Bonnie Sewell, a financial planner in Leesburg, Va. You can obtain a copy of your report free at AnnualCreditReport.com.

弗吉尼亚州利斯堡(Leesburg)理财规划师Bonnie Sewell称，如果你的配偶开设了你不知道的账户，那你可以在AnnualCreditReport.com这个网站免费获得信用报告的副本。

4. Watch the Timing.

4. 留意时间

Mr. Gambaccini suggests looking to file your divorce in a year when you're earning less money-for example, when you get no bonus or there is a big decline in the value of your investments. While a court will typically look at income over many years, having a recent decrease in earnings may lower future payments, such as alimony, he says.