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Tham khảo tài liệu 'no bull investing straightforward advice_3', tài chính - ngân hàng, đầu tư chứng khoán phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả | MARRIAGE MONEY AND FAMILY 37 Don t go overboard on the amount of coverage. As long as costs remain low and within your ability to pay buy the largest amount you can reasonably afford. Buy the same amount of coverage for yourself and your spouse to avoid any potential conflict due to problems of ego. I have seen many conflicts arise between husband and wife about the size of a policy. If the husband feels that he should have 1 million in insurance but wants only 500 000 insurance on his wife his wife may feel belittled. Avoid any problems and just consider that husband and wife are equally important. Buy whole life insurance for your children. This form of investment is all too often overlooked. The cost of buying such insurance for young and healthy children can be very low. If you begin with whole life for children when they are very young you can buy a good amount of coverage and by the time your children are ready for college they could have a good little next egg put away. Upgrade your insurance coverage as your income increases. This suggestion speaks for itself and requires no elaboration. If you have whole life insurance now phase it out and switch to term insurance as you become a more successful investor. TAX CONSIDERATIONS AND STRATEGIES As you may know married couples who file a joint return have been effectively penalized on their taxes for many years. This archaic part of the tax code is likely to fall by the wayside in 38 NO BULL INVESTING the next few years. In the past however some couples have opted to file separately or in extreme cases to avoid marriage in order to avoid the penalty. This is not necessary if you are investing successfully. In addition deductions for dependents can be a great help. If you have a unique situation with regard to dependents you are advised to consult your tax advisor for information and strategies. PLANNING FOR THE FINANCIAL BURDEN OF HAVING CHILDREN I have already given you my suggestions for whole life insurance .
