Separare financiara?!?

[cristoiu]

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citat din mesajul lui Antigen Ba tocmai ca nu. E mai grea, deci are nevoie de o distanta mai mare pentru a se opri; are centrul de greutate mai sus, si la curbe are tendinta de a se rostogoli. Plus ca soferii au prea multa incredere in tractiunea integrala, in faptul ca e MARE si TARE, si conduc mai putin prudent.

Tu tii mortis sa ai dreptate, dar poate totusi nu cunosti traficul din Toronto si imprejurimi. In primul rind ca fiind mai grea o face mai putin suflabila in toate partile de camioanele americane si vinturile de pe Yonge St. In al doilea rind ca nu prea se conduce in spirit de "mare" si "tare" ca in Romania, ca si amenzile ustura de nu ne vedem si ca sa nu mai vorbim de gropanele de pe 401 care te baga in spital doar ele daca treci de 120/hr. Oricum, in zona GTA nu apuci nici sa visezi la asa viteze, ca faci o ora pe km indiferent ca e rush hour sau ba. Iar pe nametii canadieni ramin impotmolite aproape orice masini mai putin SUVurile. Si cu ce jind ma uitam la 4x4uri cum urca dealul cu gheata in timp ce Oldsmobilul meu aluneca gratios inapoi si derapa pe loc ... Culmea, ca si cu minivanul iesi mai usor de pe drive decit cu masina mica dupa ce a trecut plugul de dezapezire si ti-a facut munte in fata casei, asa ca ... pentru canadieni SUV-ul "face sens", chiar daca elementul "safety" este supraevaluat.

[cristoiu]

tog, el e roman sau canadian? e pura curiozitate, dar uneori ma gindesc (,) ca si diferentele de mentalitate pot juca un oarece rol. 'Neatza!

[tog_of_war]

Cristoiu bine zici de gropile alea de pe 401 [:D]. Sotul meu este roman, ne-am cunoscut si casatorit in Romania.

[Antigen]

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In primul rind ca fiind mai grea o face mai putin suflabila in toate partile de camioanele americane si vinturile de pe Yonge St.

Centrul de greutate e mai sus, deci e instabil.

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In al doilea rind ca nu prea se conduce in spirit de "mare" si "tare" ca in Romania, ca si amenzile ustura de nu ne vedem si ca sa nu mai vorbim de gropanele de pe 401 care te baga in spital doar ele daca treci de 120/hr. Oricum, in zona GTA nu apuci nici sa visezi la asa viteze, ca faci o ora pe km indiferent ca e rush hour sau ba.

Nu ma refeream la 120 km/ora, ci pur si simplu mai repede decat ceilalti. Daca masinile "mici" merg cu 1 km/ora din cauza conditiilor de drum, unul cu 4x4 vrea sa mearga cu 2 km/ora pentru ca poate, ceea ce poate duce la efectuarea unor manevre mai periculoase. Si nu tin mortis sa am dreptate. Chiar am![pk]

[tog_of_war]

Antigen ai dreptate in privinta centrului de greutate, dar pe alta parte un control al stabilitatii si al tractiunii ajuta foarte mult. Am doi copii mici si nu conduc ca la raliu. In plus o masina mai inalta ma ajuta sa vad mai bine in trafic si sa ma simt mai in siguranta pe highway pe langa toate camioanele.

[cristoiu]

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citat din mesajul lui Antigen Si nu tin mortis sa am dreptate. Chiar am![pk]

Ok, ai dreptate.[flo] Dar acum concret cum o ajuta asta pe tog? In loc de SUV poate sa isi doreasca un BMW, sau o excursie in Honolulu, sau orice, situatia tot aceeasi ramine. El vrea sa faca socoteala de la inceputurile lumii. Tog, e aberant si imposibil. Separarea finantelor nu se aplica retroactiv. Si revenim la ideea de "cadou". Eu zic ca ar fi bine sa consultati un avocat sau financial advisor sa va lamureasca.

[tog_of_war]

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citat din mesajul lui lisaelisa De cand v-ati separat financiar, ai observat vreo imbunatire a relatiei voastre ?

Cu exceptia discutiei de la inceputul topicului, nu am vazut o schimbare nici in bine nici in rau. Avem o relatie buna, ne iubim, deci nu intram in categoria majoritatii cuplurilor despre care citim aici (la "in 1 sau in 2") din punctul asta de vedere. dov iti multumesc pentru raspuns, iti dau dreptate ca sursa sunt frustrarile, ramane de vazut cum le rezolvam impreuna. Dar am tinut sa iti multumesc pentru obiectivitatea de care ai dat dovada in raspunsul tau (mai rar asa ceva pe sub-forumul asta) [flo]

[Adela99]

ia sa vedem daca am inteles io bine :) v-ati separat financiar la initiativa lui. initiativa venita dupa discutiile privitoare la masina noua pe care o voiati ca masina principala pentru familie iar el voia alta. nu v-ati inteles la pretul masinii. tu voiai una mai scumpa el una mai ieftina. tu probabil ai argumentat ca aveti bani pentru una mai scumpa (tu lucrezi, castigi bine, plus ca veti vinde masina la care a contribuit si mama ta cu cei douamiii care vor fi reinvestiti in masina noua), el a argumentat pentru varianta mai ieftina (el somer, nedorind noi si inutil mai mari dpldv cheltuieli; iar la faza cu cei douamii a contraargumentat sa pui la socoteala doar juma') - ca altfel nu vad de ce ati ajuns sa discutati despre banii comuni ca despre ai mei, ai tai; ca doar inainte de separarea financiara au fost comuni chiar daca sub forma de cadou (mama ta) sau ajutor la venirea in Canada (parintii lui). si aici cu ajutorul din partea familiei lui a intervenit simtul lui al dreptatii. si de aici si discutiile despre laptop: no bine, daca tu vrei masina mai scumpa decat ne permitem la ora actuala, vreau si io laptop. si ca sa-mi permit laptop, nu pot contribui la o masina mai scumpa decat atat. astea is doar speculatii din partea mea :) nu stiu daca el e frustat, da’ probabil gandeste ca veniturile voastre au scazut prin faptul ca el e somer si ca ar fi bine sa ganditi de doua ori inainte de a cumpara ceva mai scump. si cred ca de-aia a vrut separare financiara, pentru ca a simtit ca ati ajuns intr-un punct mort. da’ cumpararea unei masini intra oricum la bunuri cumparate in comun. deci ar trebui sa ajungeti la o intelegere. sunteti casatoriti, sunteti o familie. si la un eventual partaj (nu stiu cum e in Canada, imi dau doar cu presupusu’) se vor imparti bunurile indiferent pe al cui nume e bunul respectiv. daca ati fi fost doar concubini fara contract, ce e pe numele tau e al tau, ce e pe numele lui e al lui: ex, masina pe numele tau, ratele pe numele lui. fiecare cu partea lui : ) dar cand sunteti casatoriti si aveti copii, lucrurile se schimba. oricum asta e off topic. ce am vrut io sa zic e ca, chiar daca aveti economii separate, tot trebuie sa ajungeti la un numitor comun.

[Happy_in_TO]

Tog, uite [url="http://moneycentral.msn.com/content/CollegeandFamily/Loveandmoney/P72670.asp?Printer"]aici[/url]despre banii primiti de catre un partener ca inheritance (cred ca si cadoul cade tot cam in aceeasi categorie) si drepturile celuilalat partener asupra acelor bani.

[Happy_in_TO]

[url="http://www.womansdivorce.com/divorce-inheritance.html"]Aici[/url] iarasi ceva interesant care va poate ajuta in dilema voastra. Legile sint diferite in Ontario asa ca va puteti interesa de legile specifice provinciei. Eu consider ok treaba cu separarea financiara, la urma urmei este mai bine sa ai toate cartile pe masa inainte de a lua decizii importante cum ar fi cumpararea unei case cu banii jos, bani proveniti de la un cadou facut de unul dintre parinti. Atunci banii nu mai sint "ai nostri" ci "ai mei" daca ii tii in cont separat. Dar, plata taxelor pentru casa ar trebui sa vina exclusiv de la tine, renovarile la fel, ca atunci cind este sa o vinzi sau daca va despartiti (Doamne fereste!) sa fie a ta in totalitate iar el sa nu aiba nici un drept asupra ei. Uite concret ce zice legea in Canada despre problema pe care v-ati pus-o voi: Dividing your property The law says that a husband and wife share responsibility for child care, household management and earning income during their marriage. In the eyes of the law, a marriage is an equal partnership. When a marriage ends, the partnership is over and property has to be divided. To recognize the equal contribution of each person, the general rule is that the value of any property that you acquired during your marriage and that you still have when you separate must be divided equally, 50-50. Property that you brought with you into your marriage is yours to keep if your marriage ends. Any increase in the value of this property during your marriage must be shared. There are some exceptions to these rules. The law allows you to keep some property that you have at the end of your marriage for yourself. This property is called excluded property. It includes: • gifts you received during your marriage from someone other than your spouse; • property that you inherited during your marriage; • money that you received from an insurance company because someone died; and • money that you got or that you have a right to get as a result of a personal injury, like a car accident. The family home is another exception to the general rules. The law says that when your marriage ends, the full value of the family home must be shared even if one of you owned the home before you were married, received it as a gift or inherited it. Unlike other types of property, you do not get to keep for yourself what the house was worth at the time of your marriage. You and your spouse can agree to a different split. Or, in some circumstances, you can ask the court to divide things differently. The court can only divide property differently in very special situations and if a 50-50 split would be extremely unfair to one of you. The legal rules that you have to follow to calculate the value of your property and divide it between you and your spouse can be complicated. It is a good idea to consult a lawyer about how the rules apply in your case. The next section will give you an idea of how these rules work. Remember that this is only a description of the general rules. There may be other rules and exceptions that would apply to the facts in your case. The first thing that you and your spouse must do is to separately calculate the total value of your share of the family property according to the rules set out in the law. You must be fair and honest when you do this. If you go to court, you must prepare a full financial report of all your property, debts and income. You must swear that it is accurate. You can calculate your share of the family property using Steps 1-4 set out below: Step 1: Find out the value of the property you had on the day you separated • Your property is anything that is in your name or that belongs to you. • You must list all your property, including property in other parts of the country and the world. For example, your list of property might include your home, a business, a car, furniture, a sound system, clothes, sports equipment, jewellery, savings in bank accounts and retirement savings plans, and your right to a pension, even if you will only get the pension years from now. • If you own some property together in both names, you each put half the value of the property on your list. Step 2: Subtract the value of the debts you owed on the day that you separated • Money owing on credit cards, the amount left to pay on your house and a car loan are all examples of debts. • List them at their value on the day of separation. Step 3: Subtract the value of property that the law allows you to keep for yourself • This property includes gifts and inheritances received from someone other than your spouse during your marriage, money received from an insurance company because someone died, and money you got or have a right to get as a result of a personal injury. Step 4: Subtract the value of property that you brought into your marriage less the value of debts • Add up the value of all the property that you owned when you married. • Do not include your family home, even if you owned it on the date of your marriage. • Subtract all the debts you had when you married. The final step will tell you if one of you owes the other any money. Step 5: Find out if a payment is owing • Compare the value of your share of the family property to the value of your spouse’s share. • Subtract the smaller amount from the larger amount. • Divide the difference by 2. This is the amount that the spouse with the larger share must pay to the spouse with the smaller share. • This payment is called an equalizing payment. Note: If a person has more debts than property, the value of his or her share of the family property is zero. For instance, if you owed the bank $15,000 when you separated, and you have only $8,000 worth of property, the value of your family property is $0 for the purposes of calculating an equalizing payment. Q Our calculations say I am entitled to a payment of $5,000. Do I get this in cash? A Not necessarily. The payment can be paid in cash. It can also be made by giving you property worth $5,000. Or, an amount could be put towards your rent or mortgage every month until $5,000 is spent. How the payment will be made is one of the things that you can arrange in your separation agreement. Or, it is one of the things the court can decide. Q We each went to a lawyer and got some information and advice about how the law says our family property should be divided. Now we’ve come to our own agreement about things. Can our separation agreement divide things differently from the way the law says? A Yes. You are free to divide your property any way you want in your separation agreement. You should each have your own lawyer look over your separation agreement before you sign it. You cannot easily change your separation agreement later. Q I received a car as a gift from my father. I know that the law says that if we separate, I don’t have to share the value of gifts I received during our marriage. I have decided to sell the car. Once I sell the car, is the money I get for it part of the property I must share with my spouse if we decide to separate? A Not necessarily. If you keep the money separate, for example, in a savings bond, so that you can always trace it to the sale of the car, it will be excluded from the property you must share at the end of your marriage. There is an important exception to this general rule that affects the family home. If you use the money from the sale of the car to pay down the mortgage on your family home or to renovate it, you must share the full value of the family home with your spouse if you separate. Once money is put into the family home it must be shared, even if the money came from a gift or an inheritance or other property that the law says you do not have to share with your spouse.