Smart Money Moves for Newlyweds

Wedding season is officially under way, and odds are, couples en route to the altar have been fiscally focused almost entirely on the Big Day for quite some time.

But once you've said your I dos, financially (not romantically), the honeymoon's over. It's time to shift some of that energy from planning your marriage to successfully living as a legally wed duo, and that includes figuring out how you'll handle your money. After all, marriage is an economic partnership too, and disagreements over money are the top source of conflict among couples.

Financial goals and household budgets are very important, but equally so are your marital money rules. Think of this as a contract between you and your spouse regarding how you will work together financially. Determine how you'll handle the bill-paying and whether or not you'll keep separate checking and savings accounts. Also, establish guidelines for how much money you can spend without having to "preauthorize," or check in,Starting today, you can buy these drycabinet and more from her Victoria. with your significant other.

Perhaps you're both working now, but that may not always be the case. If you decide to have children, go back to school, or start your own business someday, that might involve one of you scaling back or getting out of the workforce altogether. Set yourselves up for those possibilities by living on one salary and saving the other. You'll have more options if you have enough savings to replace one of your salaries for an extended period without having to dramatically alter your lifestyle.

Starting a marriage with no debt is ideal, but typically unrealistic. Many couples begin marriages with student loans or credit card liabilities. Devise a plan for reducing your debts. Start by transferring balances from high interest credit cards to one with a lower rate. If you're not able to transfer your balance, pay off either the card with the highest balance or the highest interest rate first, while paying the minimum on all other cards. Cut expenses to pay down your balances as quickly as possible.

A financial need that's decades away might seem really abstract right now, but no one else will provide for your retirement except you. And the long-term impact of opening a retirement account now is huge, with compound interest accumulating over decades until you retire. Sock away as much as you can in your retirement plan at work and at least enough to get the maximum match that your employer offers. If you can eke out even more money from your budget, contribute to individual retirement accounts like Roth IRAs.

As newlyweds, you need protection against catastrophic medical expenses and a long-term disability. Your employer likely offers disability insurance coverage up to a certain amount as part of a group plan. But make sure it's enough to fund your and your spouse's needs in the event you can't work for a while. Life insurance can generally be delayed until you have children, at which time you might supplement your group coverage through work with either a term or whole life policy.

The best race of Air Supports 18-start career might have been his win in the 2011 Virginia Derby at Colonial Downs, and one of his better performances last season came at Colonial when he was second to a loose-on-the-lead Turbo Compressor in the Colonial Turf Cup. Back in Virginia for another crack at the Grade 2, $300,000 Turf Cup on Saturday, Air Support looks like the favorite in an eight-horse field.

He runs on about anything, but his two races down there were both really strong, New York-based trainer Shug McGaughey said.

The Turf Cup, formerly restricted to 3-year-olds as a lead-in to the Virginia Derby, will be contested over 1 3/16 miles on Colonials spacious grass course, and with hot,You can make your own more powerful iphoneheadset. dry weather forecast late this week, the going should be firm. The feature is supported on the card by the Grade 3, $100,000 All Along Stakes for fillies and mares, and the $75,000 Da Hoss. The 12-race, all-turf card starts at 5 p.m. Eastern, with the Turf Cup scheduled for 7:46.

Air Support, a Smart Strike horse bred and owned by Stuart Janney III, races at about an ideal distance Saturday, and though he has taken allowance-race losses C a third at Keeneland, a fourth at Churchill C in his two 2013 starts, McGaughey said believes Air Supports form to be solid.

The first race at Keeneland he ran a great race off a layoff, McGaughey said. At Churchill, Joel [Rosario] never had ridden him before. He was fighting him off a slow pace, and that took his race away from him. He probably needs a little farther than that race, too.

Air Support, Javier Castellano named to ride, has raced with blinkers added this year. McGaughey said he wanted to make the change after Air Support won the Sept. 8 Bowling Green Stakes by a neck, but rules at Woodbine, where Air Support concluded his 2013 campaign by finishing fifth in the Canadian International, forbade him adding blinkers after a win.

I just thought he wasnt focusing as much as he needed. In the Bowling Green, it looked at the three-eighths like he would win by himself, but he started clocking another horse, said McGaughey.

Atigun, Swift Warrior, and Hyper are Air Supports major rivals. With only three grass starts, Atigun probably is not fully exposed on the surface, and trainer Ken McPeek said he thinks Atigun could have won the May 25 Louisville Handicap C in which he finished second C with better luck.

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