Getting settled into a new life as husband and wife is much easier than you think. The first year of marriage is a significant time change for both of you. During this time you should seek professional advice from an accountant and attorney to assist you with your taxes and preparing a will.

 

Your Future

Changing of your name, Interior Décor, Real Estate, Insurance, Finance, Legal

Getting settled into a new life as husband and wife is much easier than you think.   The first year of marriage is a significant time change for both of you.  During this time you should seek professional advice from an accountant and attorney to assist you with your taxes and preparing a will. Ask for referrals from your family and friends!  Make sure you check all references!  Utilizing these services will help you build an easier and more prosperous life for you future. 

Name Change

Traditionally, the bride changes her maiden name to that of her husband’s surname. There are other options, such as keeping you maiden name, hyphenating both names, or using your maiden name as your middle name. Changing you name is very quite simple. All you have to do is write it in on your marriage license in the space provided and the legal part is done!  In most counties, a name changing kit will come with your marriage license packet.  After you receive your Marriage License Certificate you can start notifying appropriate organizations and institutions; Department of Motor Vehicles, Social Security, credit card agencies, banks and the IRS.  If you’re planning a honeymoon, keep in mind that your name on government issued identification has to match up with boarding passes and reservations. With this in mind you might want to start the process after the honeymoon. Discuss this with you travel agent when booking your honeymoon.

Financial Advice

Money concerns are a major factor in marriage and should be taken serious. Couples generally find it useful to plan and coordinate their finances, instead of managing their money separately. Look at your financial picture with your financial professional; discuss future goals, career changes, budgets, housing and savings requirement.  You are just getting started so time is on your side, even the smallest contributions will compound into substantial value.

Insurance

Developing a sound financial plan also includes adequate protection against life’s unforeseen risk. Premature death, sickness and tragedies are possible and it is a risk that no married person should ignore. To determine your individual insurance needs it is best to review your financial situation and objectives with an insurance profession.

Your First Home

Purchasing your first home is both exciting and overwhelming. A real estate agent is here to help you with this process. Some of the benefits for having a real estate agent is they have knowledge of the local market and access to the most current listings before the general public.   In the long run they will save you money by avoiding any surprises that may come up, negotiating all contracts for you and guiding you through the closing.  In addition, your agent will have vital information regarding specific neighborhoods, property value trends, demographics, quality of schools, and future construction.  An experience agent will have a good feel for a home’s true market value. As a buyer, your agent services are at no expense to you, they typically receive a portion of the commissions paid by the seller so why not have someone on your side. 

It is important to consult with your financial advisor and your real estate professionals to determine your buying range or budget. Once you have a buying range or budget, meet with several loan officers or mortgage brokers in advance to discuss closing cost, interest rates and to get pre-approved for a loan. By having a mortgage pre-approved it gives you the advantage in the seller’s eyes as a “cash buyer” and the seller acceptance of your offer is usually prioritized.

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