Did the recession help save marriages?

More than 60% of couples married after the recession began discussed their credit score before getting married compared to only 35% of couples who got hitched pre-recession.

NEW YORK (CNNMoney)

Couples who got married in 2008 or later were far more likely to come clean about their credit history before saying 'I do' -- and to continue to discuss their finances into their married years, according to an Experian Consumer Services survey of roughly 1,000 married adults.

"If you have a spouse who lost his or her job that would definitely bring finances and money to the forefront of the family economics," said Becky Frost, consumer education manager at Experian Consumer Services.

Experian found that couples who were married after the recession reported a variety of good behaviors that can help couples avoid money squabbles.

• More than 60% of post-recession couples discussed their credit score before getting married, compared to only 35% of pre-recession couples.
• More than 80% of post-recession couples discussed financial goals with their spouse at least monthly, compared to 65%.
• Post-recession couples said they would discuss a purchase that costs an average of more than $256 with their spouse before making it. In contrast, pre-recession couples would feel comfortable spending more than $1,000 without checking with their partner.

Related: Marriage and money: Our biggest mistake

But just talking once about money is not enough. The most successful couples regularly discuss their finances to ensure they're on the same page, said Pat Seamen, a senior director at the nonprofit National Endowment for Financial Education.

Disclosing your credit history early in a relationship is especially important because it can affect everything from the mortgage interest you will pay as a couple to the car you can afford, she said.

"If you've got pristine credit and your fiancee's credit is not so good, you need to know that because it will have a bearing on how you apply for loans or credit going forward," she said.

Experian found that credit scores had been a source of stress for 21% of married couples surveyed. But those couples who had discussed their scores before getting hitched were far more likely to agree.

Related: Average wedding bill hits $30,000

KEEP MONEY FROM WRECKING YOUR MARRIAGE

Whether you're planning to tie the knot or have been married for years, here are some tips for talking about money with your spouse:

Come clean about your debt: Whether it's hefty student loan debt or a ding on your credit report from an unpaid bill, be honest about your financial situation.

While your credit score won't be combined with your spouse's when you get married, your ability to reach joint financial goals can still be affected by your spouse's score.

Pay attention to joint accounts: Whether it is a credit card or home loan, missed payments on joint accounts can ding both of your credit scores. So if you let your spouse handle the bills, know that his or her missteps could affect your bottom line, too.

Talk during the good and the bad times: Don't just talk about money when you hit a rough patch. If you make it a habit to speak often, you'll be less likely to associate money with conflict.

Plus, it's easier to hash out an action plan when you're both calm.

First Published: June 2, 2014: 10:00 AM ET

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Why the rich are ditching their home country

HONG KONG (CNNMoney)

Popular destination countries like Cyprus, Spain and Australia have programs that offer a path to citizenship or permanent residency -- for those who can afford to pay up.

Right now, immigrant investor programs are available in about 20 countries around the globe, including the U.S., Europe, and island nations in the Caribbean. More are on the way, especially as countries still reeling from the global financial crisis seek to energize their economies.

While some individuals can maintain their citizenship status with their home countries, others from nations that do not allow dual citizenship must turn in their passports in order to adopt a new country.

Related: Where are the super rich?

In recent years, "there have been many countries offering investment immigration targeted at wealthy individuals," according to a report by Arton Capital, which advises governments and individuals regarding such programs, and Wealth-X, a research firm. "As a pure investment, some of these programs are very attractive to ultra high net worth individuals."

That's because the programs are quite affordable for the world's uber rich. Required investments range from $500,000 to several million dollars and are often "a very small fraction of someone's net worth," said Mykolas Rambus, CEO of Wealth-X.

Bulgaria, for example, requires investors to hold $700,000 in government bonds for five years, while St. Kitts & Nevis in the Caribbean mandates a $400,000 investment in real estate or the nation's sugar industry. Other countries demand hefty property purchases, putting a few million on deposit in a domestic bank or into projects that support job creation.

Related: Top countries for billionaires

A decade ago, only a handful of these programs existed. Now, as new countries join the fray, roughly 20,000 rich individuals are rushing to apply each year, often in hopes of preserving their wealth.

While lower income taxes are sometimes a plus, some applicants are also looking to avoid inheritance taxes. Over the next three decades, the children of the super wealthy are set to inherit more than $16 trillion.

Related: Rich, really rich, and ultra rich

Other incentives include access to better education, a desire to escape political instability, visa-free travel to more countries or higher standards of living, said Armand Arton, president of Arton Capital.

In extreme cases, the craftiest individuals may even be able to avoid taxes by bouncing around the globe armed with multiple citizenships and residence permits. It's possible to "spend a number of days here, a certain number of days there -- and if you keep moving around, you never establish a long-enough term to be subject to permanent taxable residency," said David Kuenzi, founder of investment advisory Thun Financial.

Most immigrant investors are coming from the Middle East, followed by India and China, Arton said. And more rich Russians have inquired about such programs lately, given political instability in that region.

Europe remains the most popular destination, followed by island nations in the Caribbean -- where some countries levy no personal income, capital gains or inheritance tax. While those two regions are popular with investors from the Middle East, the Chinese seem most drawn to the American Dream, Arton said. The U.S. program is also attractive as it offers a green card, a better alternative for the Chinese, who are barred from having dual citizenship.

In fact, the Chinese now account for 80% of the U.S. immigrant investor program, according to a CNNMoney analysis of U.S. government data.

"Those who are globally minded who have quite a bit of wealth -- this is becoming a must-have," Rambus said.

First Published: June 1, 2014: 4:02 PM ET

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Co-owner's death in plane crash won't stop Inquirer sale

After the death Saturday of Lewis Katz, his spot on the Inquirer board will be transferred to his son.

NEW YORK (CNNMoney)

Katz's death on Saturday night stunned and saddened many in the newspaper business, including his employees at the Inquirer, which is one of the country's most widely-circulated daily newspapers. On Sunday, a small headline under the newspaper Web site's main story about Katz affirmed that "Sale of Inquirer's company will move ahead."

On Tuesday, Katz and his business partner, H.F. "Gerry" Lenfest, had purchased the Inquirer, the tabloid Philadelphia Daily News and Philly.com for $88 million.

In a statement Sunday, Lenfest said: "We all deeply mourn the loss of my true friend and fellow investor. ... It is a severe loss, but I am pleased to announce that Drew Katz, Lewis's son, will replace his father on the board of our new company."

Drew Katz has been the chief executive of a regional outdoor advertising company for the past 15 years. He could not be reached for comment on Sunday.

But Stephen Harmelin, a lawyer who did work for Lewis Katz, told the Inquirer that "Lewis spent his time grooming Drew into the young businessman he is."

Katz, a native of Camden, New Jersey, just across the Delaware River from Philadelphia, first invested in the Inquirer in 2012. The paper had seen better days -- by the time Katz became involved, it had been bought and sold almost too many times to count.

Katz invested along with Lenfest and several other businessmen, including George Norcross, William P. Hankowsky and Joseph E. Buckelew.

But the partnership disintegrated, partly due to a dispute over the October 2013 firing of Inquirer editor Bill Marimow, who was later reinstated.

Katz sued Norcross, and control of the newspaper's parent company wound up being determined through a private auction last Tuesday. Katz and Lenfest outbid Norcross, Hankowsky and Buckelew.

The three men released a statement Sunday that praised Katz for his "long-standing commitment to the community and record of strong philanthropy across the region."

In light of Katz's death, they have offered to extend the closing of the sale "30 days if necessary," the Inquirer reported Sunday.

Stan Wischnowski, the executive editor of the Inquirer, wrote on Twitter that "words can't describe the sadness felt at" the Inquirer over Katz's death. "His support for what we do will never, ever be forgotten."

First Published: June 1, 2014: 4:33 PM ET

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7 traits the rich have in common

Billionaire moguls Richard Branson and Oprah Winfrey are highly entrepreneurial with great confidence in their creative ventures. Those are just two of the traits broadly shared by the self-made rich, experts say.

NEW YORK (CNNMoney)

Hard work, education, smart investing, frugality, risk taking, and plain ol' luck were some of the main factors ultra-high-net-worth investors used to describe themselves when surveyed by the Spectrem Group.

CNNMoney decided to dig a little deeper. We asked several wealth experts if they noticed any similar traits or attitudes among their clients with a net worth of at least $5 million.

Here's what surfaced:

Entrepreneurial: Going into business is a common path among the wealthy. While there are plenty of doctors, lawyers and corporate executives in the $5 million-plus group surveyed by Spectrem, those who go on to become business owners tend to build an even higher net worth.

Related: From broke to billionaire

Always on the clock: The 40-hour work week is like a part-time schedule for many, especially those who have built businesses. A 60- to 80-hour work week is more the norm, as are working vacations, according to certified financial planner Doug Flynn of Flynn Zito Capital Management.

High energy: Many high-net-worth individuals have a lot of energy, don't need much sleep, and enjoy generally upbeat attitudes, according to psychologist James Gottfurcht, who runs Los Angeles-based Psychology of Money Consultants.

Related: Do you have what it takes to be rich?

The super wealthy also tend to be visionaries, said psychologist Kristen Armstrong, a strategic wealth coach at Ascent Private Capital Management. She described many of her clients as "force of nature" people.

"I see again and again that they have a really great ability to envision possible futures ... [and] an amazing ability to focus their efforts and energy once they see a possibility."

Extremely confident: Gottfurcht said most of his clients who made their wealth possess what he calls an "expansive, healthy grandiosity." By that he means a sense of "I can do anything."

They're also open to creative ways of achieving their goals.

Armstrong, too, said her clients have great confidence in themselves and others, and firmly believe the world will accommodate their business ideas.

Also common, though, among some of Gottfurcht's wealthiest clients is what he termed "narcissistic personality disorder." That is, they think they're special, "require excessive admiration," have a high sense of entitlement and lack empathy for others, he said.

Related: Rich, really rich, and ultra rich

Discerning: For all their confidence, Armstrong's clients know they're not the smartest person in the room on every given issue. But they know to surround themselves with people who are -- which will help them realize their vision.

Among business owners, those who do best are the ones who move past sole proprietorship, and partner with others to expand their enterprises, said Flynn.

Modest: Despite glamorous Hollywood portrayals of the rich life, many multi-millionaires live more modestly. Most of Flynn's richest clients have chosen not to bump up their lifestyles in lockstep with their growing wealth.

"They still wear their old plaid shirt," he said. Or at least the men do.

Related: Sorry 99%ers, you can't afford these perks

Risk tolerant, but not impulsive: Anyone who runs a business is by nature a risk taker, Flynn noted. But there are no investing swashbucklers among his clients.

They have some short-term investments but tend to have a longer time horizon than most investors. Whether they invest in a stock or a building, they stick with it as long as it still makes sense to them.

But they won't go all in on one bet, according to Flynn.

"There's always the guy who bets it all on something, gets lucky and then gets out. But that's not the recipe for most people," Flynn said.

First Published: June 1, 2014: 4:06 PM ET

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Stocks: 4 things to know before the open

Click on chart to track premarkets

LONDON (CNNMoney)

Here are 4 things you need to know before the bell:

1. Market direction: U.S. stock futures were slightly higher Monday ahead of the first trading session since investors closed out the record-setting month of May.

On Friday, U.S. stocks eked out gains and the Dow Jones industrial average and S&P 500 closed the week at all time highs.

Over the past month, the Nasdaq surged by just over 3%, the S&P 500 rose by 2.1% and the Dow added 0.8%.

Since the start of the year, the Nasdaq has had a bumpy ride but the Dow and S&P have pushed higher in four of the last five months.

The main market mover Monday was Salesforce.com (CRM). Shares were rising ahead of the opening bell. Last week the company announced a strategic partnership with Microsoft (MSFT).

2. Positive data from China: A reading of manufacturing activity in China released over the weekend showed the country's factory sector continued to strengthen after a rough start to the year.

The data has boosted investor confidence, but not everyone was able to react to the news since a handful of Asian markets were closed for a holiday. The Nikkei in Japan surged by just over 2%.

Related: Fear & Greed Index: idling in neutral

3. Economic data and earnings: The U.S. government will release data on April construction spending at 10 a.m. ET. The ISM index, which measures the manufacturing industry each month, will be published at the same time.

Hertz Global (HTZ), Krispy Kreme (KKD) and Quicksilver (ZQK) will report earnings after the closing bell.

Related: CNNMoney's Tech30

4. International movements: European markets were slightly higher in midday trading, with the FTSE 100 in London and the Dax 30 in Germany outpacing CAC 40 in France.

The main stock market index in Spain was rising by roughly 0.6%, with investors unfazed by news that King Juan Carlos is abdicating. Markets were more interested in weekend news of an economic stimulus package, including a cut in the corporate tax rate to 25% from 30%.

First Published: June 2, 2014: 4:48 AM ET

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Olympics money pit scares off cities

Cities around the world are balking at the price of hosting the Olympics.

HONG KONG (CNNMoney)

The process of awarding the 2022 Winter Olympics is in disarray after two leading contenders pulled out amid growing concern over cost overruns, the use of public funds and corruption.

The Polish city of Krakow bowed out of the competition last week after residents voted overwhelming against a bid. Stockholm, Sweden pulled the plug in January after the city's ruling party said the games were not an attractive investment.

When the International Olympic Committee (IOC) meets in July to compile a short list for 2022, it will have only four cities to choose from -- Almaty, Kazakhstan; Beijing, China; Lviv, Ukraine; and Oslo, Norway.

Of those, two are very long shots. Ukraine has just been bailed out by the IMF and is gripped by political unrest and violence. The Oslo bid faces significant public opposition.

Related: World Cup won't lift Brazil's economy

In city after city, the backlash appears to be driven by concerns over the economic benefits of hosting the Olympics.

Massive infrastructure projects must be planned, funded and constructed. Security forces are mobilized, with costs running into the billions of dollars. Thousands of hotel rooms must be built to house athletes and tourists.

Most of it happens on the taxpayer dime -- with little discernible economic benefit.

Politicians have justified the outsized expenses by arguing that ticket sales, construction jobs and increased tourism outweigh the costs.

But most economists say the real return on hosting the Olympics is much harder to determine -- and certainly not as rosy as politicians portray.

"While sports boosters routinely claim large benefits from hosting mega events, the overwhelming majority of independent academic studies of these events have shown that their economic impact appears to be limited," Victor Matheson, a professor of economics at College of the Holy Cross, wrote in a paper on the topic.

Related: Meet soccer's 10 biggest stars

Montreal, host city of the 1976 Summer Games, provides perhaps the best example of the long term cost of putting on the Olympics.

Prior to the games, the Canadian city's mayor took the line adopted by most elected leaders who court the event, saying that "the Olympics can no more lose money than a man can have a baby."

He was wrong. Mismanagement and gross cost overruns left the city with debts of $1.5 billion that took three decades to erase. The final payment on the debt was made in 2006.

By that time, the citizens of Montreal had turned the name of the unused Olympic stadium-turned baseball park, the Big O, into a homonym: the Big O-W-E.

While Montreal is an extreme case, researchers at Oxford's Saïd Business School have found that spiraling costs are the norm.

"The Games overrun with 100% consistency. No other type of mega project is this consistent regarding cost overrun," they said. "Other project types are typically on budget from time to time, but not the Olympics."

Related: 5 cities that spent too much on the Olympics

The Montreal experience went a long way toward scaring off potential host cities for 1984.

Only one municipality -- Los Angeles -- made a bid for those Olympic Games, and consequently was able to dictate terms to the IOC.

It pursued a new model that relied heavily on private financing. The city was also able to use existing stadiums as sports venues, erasing one of the largest costs associated with hosting the Olympics. The result? A profit.

Related: Olympians face financial hardship

Now, however, the days of minimal public investment appear to be over. Russia is said to have spent an incredible $50 billion on the Sochi Olympics. And China spared no expense in hosting the 2008 Beijing Games.

The eye-popping costs are making other potential hosts very nervous.

Voters in St. Moritz-Davos turned down a chance to bid for the 2022 games due to financial concerns. The same thing happened in Munich.

"I think it was not a problem with a concept but rather a growing criticism of parts of the population with mega sports events," Munich mayor Christian Ude told Reuters at the time.

First Published: June 2, 2014: 8:54 AM ET

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Apple set to unveil iOS 8 at WWDC

Apple is expected to unveil iOS 8 , Mac OS X 10.10 and other new features at WWDC.

NEW YORK (CNNMoney)

WWDC is set to kick off at 1 p.m. ET.

Apple (AAPL) is widely expected to unveil iOS 8, the operating system that powers iPhones and iPads. The changes are likely to be far more subtle than in years past. After last year's complete makeover, iOS 8 will probably include oft-requested fixes, such as an improved Maps app with transit directions, simplified notifications and a separate iTunes Radio app.

The biggest addition to iOS 8 could be a new Healthbook application. The app will likely monitor users' heart rates, sleep, activity and breathing among other health-related information.

Related: What we wish Apple would unveil at WWDC

Other expected announcements include a new platform that would enable people to control all the items in their homes with the iPad or iPhone. Apple also may unveil OS X 10.10, which could get a big design update, making the interface for Macs look much more iPhone- and iPad-like.

Apple could also release new iMacs and update the MacBook Air, which does not yet support Apple's ultra-sharp Retina Display. Apple is not expected to unveil its newest iPhone, however. That is more likely to take place in August.

First Published: June 2, 2014: 9:18 AM ET

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Handgun sales are hot

The market for handguns is driven by a growing interest in self-defense and concerns about tighter gun restrictions.

NEW YORK (CNNMoney)

Smith & Wesson (SWHC)'s handgun sales jumped by nearly a third at the end of last year, and Colt Manufacturing sold twelve times as many handguns early this year than it did in 2013.

And now Colt is moving to boost its handgun production by 50%.

Related: Assault rifle boom cools off

The market for handguns is driven by a growing interest in self-defense and concerns about tighter gun restrictions.

"[New buyers] are people who have never touched a gun before and want to get into shooting," said Ben Shim, a gun industry analyst for CRT Capital and a NRA instructor.

Americans get more concerned about both personal safety and the right to bear arms every time there is a mass shooting, like the Sandy Hook tragedy in 2012, and such massacres have been happening frequently.

Last week, a man killed seven people in California, including himself, using two handguns -- a Glock and a Sig Sauer -- and a knife. While some people view these events as a reason to restrict guns, others view such events as an incentive to buy guns.

Related: Pink is the new black for women who shoot guns

Sales of compact pistols are growing at double the rate of handguns overall, according to CRT.

That's why Colt recently unveiled a new compact handgun, the .380-caliber Mustang. Colt hopes it will compete with the lightweight Glock, one of the most popular pistols in the world. Small-frame pistols are also preferred by women, a fast-growing demographic in the shooting community.

"This is a hot category," said Shim. As an example, her cites Smith & Wesson's Bodyguard .380 pistol, which weighs less than 12 ounces and has a barrel shorter than three inches. "These are pistols that you can literally put in your pocket and they won't bulge out or make your pants drop. If someone jumps you, you can shoot through your coat pocket."

The market shift toward handguns has been so pronounced that Colt is repurposing some of its manufacturing equipment and personnel that were dedicated to making semiautomatic rifles to make handguns instead.

Related: Female gun instructors in hot demand

Another indication that handgun sales are on the rise is the jump in the number of concealed carry permits, which apply only to handguns.

These permits jumped 30%, to 9 million, between 2010 and 2012, according to the most recent figures from the National Shooting Sports Foundation. They've likely increased since then, says NSSF spokesman Lawrence Keane, since Illinois passed a new law allowing permits for gun owners to carry concealed firearms.

"There's no question that handgun sales have been steadily increasing," said Keane. "[People] are largely purchasing handguns for self-protection."

First Published: June 2, 2014: 9:58 AM ET

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Stocks reverse course as Nasdaq retreats

NEW YORK (CNNMoney)

Here are five things you need to know about Monday's market action:

1. Another day, another record: U.S. stocks opened flat to slightly higher in the first day since investors closed out the record-setting month of May. The early gains were enough to push the Dow Jones industrial average and S&P 500 to fresh all-time highs. A positive finish would represent the Dow's sixth record close this year and the S&P 500's 15th.

The Dow went as high as 16,740 this morning, and the S&P 500 hit 1,925 for the first time, but both indexes are now slightly negative.

The Nasdaq, which also had a strong May, quickly lost ground, trading down more than 0.4% by midmorning. The index is being dragged lower by tumbling shares of Google (GOOG), Tesla (TSLA) and Facebook (FB). Biotech stocks like Biogen (BIIB) were also in reverse.

Related: These stock market 'records' actually aren't that great

2. Big movers -- Apple, Broadcom, Gannett, Protective Life: Shares of Broadcom (BRCM) bounced 12% after the company revealed it is considering a possible sale of its cellular baseband business. The chip maker said a sale or wind down could generate $700 million in savings.

Gannett (GCI) rose 2% after Barron's argued the media company could surge 40%, especially if it follows in the footsteps of peers by spinning off its publishing assets like USA Today.

Protective Life (PL) surged 15% amid reports that Japan's Dai-ichi Life Insurance is considering acquiring the Alabama-based company.

Related: 5 sizzling stocks in May

Apple (AAPL) could see its stock gyrate a lot this week based on developments out of its Worldwide Developers Conference, which kicks off on Monday in San Francisco. Investors are eager to learn more about Apple's efforts to enter new product categories.

The stock traded as high as $644 on Friday after the Beats deal closed and in anticipation of this week's conference. That's the closest the stock has been to its all-time high just over $700 from September 2012.

Related: Apple stock: How high can it go?

Shares of American Realty Capital Healthcare Trust (HCT)raced 10% higher after it agreed to be sold to Ventas (VTR) for $2.6 billion in cash and stock. Both companies are health care real-estate investment trusts, or REITs.

Energy and utility stocks were largely unmoved by the sweeping EPA rules unveiled on Monday aimed at slashing the power sector's carbon emissions 30% by 2030.

3. Positive data from China: A reading of manufacturing activity in China released over the weekend showed the country's factory sector continued to strengthen after a rough start to the year.

The data has boosted investor confidence, but not everyone was able to react to the news since a handful of Asian markets were closed for a holiday. The Nikkei in Japan surged by just over 2%.

Related: Fear & Greed Index: Still in neutral

4. Economic data and earnings: Investors received some disappointing news on the manufacturing front. The Institute for Supply Management's manufacturing index unexpectedly dipped to 53.2 in May from 54.9 in April. That means the pace of manufacturing expansion slowed a bit.

Hertz Global (HTZ), Krispy Kreme (KKD) and Quicksilver (ZQK) will report earnings after the closing bell.

Related: CNNMoney's Tech30

5. International movements: European markets were slightly higher in midday trading, with the FTSE 100 in London and the Dax 30 in Germany outpacing CAC 40 in France.

The main stock market index in Spain is up around 0.25%. It was higher earlier in the day, with investors unfazed by news that King Juan Carlos is abdicating (or perhaps welcoming it). Markets were more interested in weekend news of an economic stimulus package, including a cut in the corporate tax rate to 25% from 30%.

First Published: June 2, 2014: 9:52 AM ET

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Bids for lunch with Buffett already at $350,000

Bidding for the chance to wine and dine with Warren Buffett is now available on eBay.

NEW YORK (CNNMoney)

Berkshire Hathaway (BRKA) CEO Warren Buffett offers to break bread once a year with the biggest spender in an eBay (EBAY) auction. All proceeds go to charity.

It's a hot ticket item. Bidding got underway on Sunday night with an opening amount of $25,000. By Monday morning, the lunch was already going for more than $350,000.

Related: Ben Bernanke lunch auctions for $70,500

Last year, the winner paid over $1 million, but that was far less than the record $3.5 million shelled out in 2012. Bidding will close on Friday, June 6, at 10:30 p.m. ET.

Now in its 15th year, the fundraiser will benefit the San Francisco-based GLIDE Foundation.

The annual lunch takes place at New York City steakhouse Smith & Wollensky, and the highest bidder will be allowed to invite up to seven friends. The exact date of the lunch will be agreed upon between Buffett and the winner.

Prior lunch guests claim the one-on-one time with Buffett is worth the price tag.

Known as the Oracle of Omaha, Buffett is one of the most famous investors in the world. Berkshire's annual shareholder meetings attract tens of thousands who want to see him in person. His top holdings as of the first quarter were Wells Fargo (WFC), Coca-Cola (KO), and American Express (AXP).

Related: Berkshire Hathaway shareholder LOVE Buffett

Buffett has long advocated for his charitable endeavors. He started The Giving Pledge in 2010, an effort that has signed up more than 100 billionaires around the globe, who have pledged to donate half of their net worth during their lifetime, or at their death.

First Published: June 2, 2014: 11:30 AM ET

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