• 2021-04-14
    Directions:Youaregoingtoreadapassagewith10statementsattachedtoit.Eachstatementcontainsinformationgiveninoneoftheparagraphs.Identifytheparagraphfromwhichtheinformationisderived.Youmaychooseaparagraphmorethanonce.Eachparagraphismarkedwithaletter.
    APrenup(婚前协议)MayBeRightforYou
    A)Peoplemoanandgroanaboutprenups,andatfirstblush.It’seasytoseewhy:Couplesmaynotwanttoconsiderhowtheirmarriagewillendwhentheyintendtobemarriedforlife.Amarriageisacontract,andaprenuptialagreementisputtingfinerpointsonthatcontract.

    B)Aprenupisalegalagreementthatspecifieshowcoupleswilldivideassetsintheeventofdivorce.Itisastatementthatallowsforthepossibilityofdivorce,andconsiderswhattodointheeventofadivorce.Whencouplesmarryandeachhassignificantassets,aprenuptialagreementmaybebeneficialinkeepingthoseassetsdividedintheeventofthedissolutionofthemarriage.Coupleswhohavechildrenfrompreviousmarriagesmayalsowanttouseoneinordertoprotectassetsfortheirchildren.Somereligionsfindtheprenuptialagreementmorallyrepugnant(让人反感的).Churches,liketheRomanCatholicChurch,don’tbanthesetypesofagreementsbutcertainlydofrownuponthem.SinceamarriageisalifetimebindingcommitmenttotheCatholicChurch,aprenupsimplydoesn’tmakesenseandappearstocontradictchurchteachings.

    C)Historically,prenuptialagreementswereforwealthypeoplewhoneededtoprotectextensiveassets,abusinessorinvestments.Butmoreandmoremiddleclasspeoplearedraftingprenups.Andwithsomuchaboutsame-sexmarriageinthenews,Ialsohavetomentionthatthey’renotjustforstraightpeople.A2011surveybytheAmericanAcademyofMatrimonialLawyersfoundthatprenupshadincreased73percentoverafive-yearperiod.Oneinterestingfactoid(说法):Morewomenarerequestingthem.

    D)Why?Foronething,anailing(境况不佳的)economyhaspeoplethinkaboutmoneymore.Weallknowthestatisticthatabout50percentofmarriagesendindivorce,sopeoplearebeingalittlemorerealisticaboutapossiblesplit.Andpeoplearegettingmarriedlaterinlife.TheaverageageoffirstmarriageintheUnitedStatesis27forwomenand29formen,upfrom23forwomenand26formenin1990and20and22in1960.Becausethey’regettingmarriedolder,morepeoplehaveactualassetstheywanttoprotectintheeventtherelationshipgoessouth.

    E)Hereyoumightbetemptedtosaythatyouandyourfiancéhavenoassets.Youcan’ttakehalfofnothing,right?Notso.Infact,youcanenduptakinghalfoflessthannothing–meaningyourspouse’sdebtscouldhauntyou.Andagain,Iwanttopointtothatrisingageofnewlyweds–moreandmorepeoplearetakingliabilitiestothealtar–likecreditcarddebtandstudentloans.Itmakesperfectsensethatspouseswouldwanttoprotecteachotherfromanyliabilityonehasgoingin.You’resaying“Ido,”not“Iowe.”Also,youprobablyhavesomeassetsyouhaven’tthoughtaboutthatyou’dliketokeepseparate–likearetirementplanoranexpectedinheritance.Orwhataboutpropertyyourparentsmaypassdowntoyouandyoursiblings?

    F)Becauseprenupsaresuchanemotionallychargedissue,it’simportanttoproceedwithcaution;butstarttalkingsoonerratherthanlater.Thatmeansasyougetengaged.Thisshouldn’tbealast-minuterequestforasignatureoutsidethechurch.Ifyou’rerecentlyengaged,thisistheperfecttimetobringitupbecauseyoucanuseyourtaxesasanexcuse.Nextyear,you’llfilejointly,soeventhoughit’suncomfortable,suggestyouexchangereturnsasawaytostarttheconversation.

    G)Manypeopleshyawayfromtheperceivedcost.AccordingtoanewstudybyTheWeddingReport,theaverageengagementringcostsover$3,300.Bycomparison,theattorneyfeesforaprenupwillprobablystartatabout$2,000.You’llneedtocontactafamilyattorneyandbothyouandyourbetrothedwillbothneedyourownlawyer.Don’ttrythedo-it-yourselfrouteonthisone.Yourcousinthenotaryisnotgoingtocutit.Anythingyoudraftonyourownwillnotstandupincourt.

    H)Therearesomeonlineresourcesifyou’reveryconcernedaboutcostsandjustneedasimpleagreement.Forexample,Legalzoom.comhasa“prenuppackage”thatstartsat$600.Somegeneralguidelines:Whenpreparingaprenup,you’dofcourseaddressanyproperty,retirementaccounts,andanydebt.Butyoushouldalsoconsidersentimentalbelongingslikefurnitureandothernon-traditionalthingslikepets.Sortingitoutnowcouldsaveyouamajorheadacheinthefuture.

    I)Also,evenifacoupledoesn’tdraftaformalprenuptialagreement,itiscriticalthattheyhaveacompletelyhonestdiscussionaboutfinancespriortothe“IDo’s”.Thatmeanscomingcleanaboutanyoutstandingdebtsandsettingsomeparameters(决定因素)abouthowyouwillmanageyourfinancesasacouple.

    J)Manystudiescitefinancialissuesasoneofthetopcausesofdivorce–rightalongsidecommunicationproblemsandinfidelity(不忠实).Why?Frequently,couplesdon’trealizetheyhaveverydifferentvaluesaroundmoneyuntilthey’vetiedtheknotandco-mingledtheiraccounts.Don’tmakethatmistake!Ifit’saJunewedding,firstgofortheprenup.
    1.Evenwithoutawrittenprenup,acoupleshoulddiscussthefinancialissuesfranklyandsincerelybeforetheweddingceremony.