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金钱婚姻

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On a recent episode of 'Dirty Sexy Money,' ABC's soapy drama about the filthy rich, heiress Karen Darling gets married for the fourth time, to a golf pro. Minutes after the ceremony, she decides she wants a divorce, leaving the golfer to wonder about his $3 million guarantee in the pre-nuptial agreement.

'I still get the check, right?' he asks.

'Of course,' Ms. Darling sneers. 'I made a vow.'

Marrying for money isn't just grist for television plot lines. With the wealth boom creating unprecedented riches -- and greater opportunities for gold-digging by both genders -- price-tag partnerships and checkbook breakups are increasingly making headlines. Even more surprising, according to a new survey, are the going rates for today's mercenary unions.

Celebrities get the most attention, of course, whether it's Kevin Federline, the backup dancer-turned-millionaire ex of Britney Spears, or Heather Mills, Paul McCartney's estranged second wife, who is set to receive tens of millions of dollars when her divorce is final, according to the British press.

Yet even among the workaday (or wannabe) wealthy, marrying for money has become a popular pursuit. In an infamous personal ad posted on Craigslist this summer, a twentysomething New Yorker who described herself as 'spectacularly beautiful' wrote that she was looking for a man who made at least $500,000 a year. She'd tried dating men earning $250,000, but that wasn't 'getting me to Central Park West,' she said. The ad inspired all manner of parodies and follow-ups, including one by an investment banker, who replied that since his money would grow over time but her beauty would fade, the offer didn't make good business sense. She was, he said, a 'depreciating asset.'

To many New Yorkers, jaded by multimillion-dollar condos and wall-to-wall wealth, the salary request probably seems reasonable, maybe even low. Yet nationally, the going rate is much lower.

According to a survey by Prince & Associates, a Connecticut-based wealth-research firm, the average 'price' that men and women demand to marry for money these days is $1.5 million.

The survey polled 1,134 people nationwide with incomes ranging between $30,000 to $60,000 (squarely in the median range for nationwide incomes). The survey asked: 'How willing are you to marry an average-looking person that you liked, if they had money?'

Fully two-thirds of women and half of the men said they were 'very' or 'extremely' willing to marry for money. The answers varied by age: Women in their 30s were the most likely to say they would marry for money (74%) while men in their 20s were the least likely (41%).

'I'm a little shocked at the numbers,' says Pamela Smock, a sociologist at the University of Michigan who has studied marriage and money. 'It's kind of against the notion of love and soul mates and the main motivations to marry in our culture.'

Still, Ms. Smock has found in her own research that having money does encourage people to tie the knot. 'It's more likely that a couple will marry if they have money, and if the man is economically stable,' she says.

Women aren't the only ones with the gold-digging impulse. In the Prince & Associates study, 61% of men in their 40s said they would marry for money. Ms. Smock says that as men get older, they become more comfortable with women being the bread-winners.

The matrimonial price tag varies by gender and age. Asked how much a potential spouse would need to have to be money-marriage material, women in their 20s said $2.5 million. The going rate fell to $1.1 million for women in their 30s, and rose again to $2.2 million for women in their 40s. Ms. Smock and Russ Alan Prince, Prince & Associate's founder, both attribute the fluctuation to the assumption that thirty-something women feel more pressure to get married than women in their 20s, so they are willing to lower the price. By their 40s, women are more comfortable being independent, so they're willing to hold out for more cash.

Men have cheaper requirements. In the Prince survey, their asking price overall was $1.2 million, with men in their 20s asking $1 million and men in their 40s asking $1.4 million.

Douglas Freeman, a tax and estates attorney in California who works with wealthy families, says the men's numbers are lower because they would feel threatened by women worth several million dollars. 'The men aren't going to say they want $10 million, because they wouldn't be comfortable with a woman who's worth so much more than they are,' he says.

Whatever the case, the prices for both men and women seem surprisingly low, given the new landscape of wealth. While $1 million or $2 million may sound like a lot to people making $30,000, it's hardly enough to transform someone's life or make them 'rich' by contemporary billionaire standards. No one in the survey quoted a price of more than $3 million.

Of course, when the mercenary marriage proves disappointing, there's always divorce. Among the women in their twenties who said they would marry for money, 71% said they expected to get divorced -- the highest of any demographic. Only 27% of men in their 40s expected to divorce.

Says Mr. Prince: 'For these women, it's just another step on their journey to the good life. They want to be paid what they think they're worth and then move on.'

在美国广播公司(ABC)的肥皂剧《黑金诱惑》(Dirty Sexy Money)最近播出的一集里,浪荡而富有的女继承人凯伦•达林(Karen Darling)第四次结婚了,这一次她嫁的是一名职业高尔夫球运动员。结婚仪式结束后几分钟,达林就想离婚了,那名高尔夫球选手自然开始惦记起她在婚前协议中承诺的约300万美元的补偿金。

他问道:“我还能得到那笔钱,对吧?”

“当然,”达林女士冷笑道。“我刚宣了誓呢。”

为了钱而结婚可不是电视剧中才有的情节。眼下的财富膨胀令富人群落空前壮大,只要存心掘金,不论男女都会有更好的机会,明码标价的结合以及用支票了断的分手越来越多地占据了新闻的头条。不过,一项最新调查披露了为钱而婚的“时价”,其结果更为出人意料。

自然,名流的婚姻最为令人瞩目。籍籍无名的舞蹈演员凯文•费德林(Kevin Federline)在成为小甜甜布兰妮•斯皮尔斯(Britney Spears)的前夫后得到了数百万美元的补偿金。而根据英国媒体报导,保罗•麦卡特尼(Paul McCartney)的第二任妻子希瑟•米尔斯(Heather Mills)在两人的离婚官司尘埃落定后将获得数千万美元的补偿。

然而,即便是在朝九晚五、发财无门的上班族中,为钱而婚也已经成为了一项颇为流行的人生追求。今年夏天,Craigslist刊出了一篇声名狼藉的个人广告。一位20多岁的纽约女孩自诩为“超级美女”,希望寻找年薪至少为50万美元的男性为伴。她说,她曾试着和年薪25万美元的男士约会,但是那仍不足以让她过上住在中央公园西部的舒适生活。这篇广告引发了各种各样的模仿和跟帖。其中有一位投资银行家回贴说,他的金钱会随着时间的推移而不断增加,而她的美貌却会日渐褪色,因此她的“要约”根本不具商业价值。这位投资银行家揶揄道:这个女孩只是一项不断贬值的资产。

许多纽约人对动辄数百万美元的公寓,还有到处可见的财富已是司空见惯,上面那位女孩提到的年薪要求可能听起来还相当合理,甚至是比较低的。不过,在全美范围来看,这个价码就算很低了。

根据位于康涅狄格州的财富研究公司Prince & Associates的一项调查显示,为了钱而结合的男女开出的“均价”为150万美元。

此项调查采访了全美1,134位年收入在3万至6万美元之间(正好处于全美薪资的中值区间)的人士。调查的问题是,“如果你身边有个相貌平平、不招人讨厌的异性,你在多大程度上会因为他/她非常有钱而与之结婚?”

足足有三分之二的女性受访者和一半的男性受访者表示他们“非常”或者“极其”愿意为了钱而结婚。答案因年龄而异:30多岁的女性最有可能为了钱结婚(74%的人愿意),而20多岁的男性最不可能为钱而婚(41%的人愿意)。

密歇根大学(University of Michigan)研究婚姻与金钱关系的社会学家帕梅拉•斯莫克(Pamela Smock) 表示:“我对调查的结果感到有些震惊。这和我们传统文化中寻找爱情和精神伴侣的观念相抵 ,也有悖于结婚的主要动机。”

尽管如此,斯莫克女士在自己的研究中发现,有钱确实能鼓励人们结合。如果一对情侣拥有一定的经济基础,男方具备稳定的经济来源,他们更有可能结合在一起。

并非只有女性希望钓得金龟婿。Prince & Associates的调查发现,在40多岁的男性当中,有61%的人表示愿意为了钱结婚。斯莫克女士表示,男人年龄越大,他对靠女人养家的生活状态就越感到心安理得。

婚姻的价码因性别和年龄而异。当被问及一位异性要有多少钱自己就会动为钱结婚的念头时,20多岁女性表示要有250万美元,而30多岁女性表示只需要110万美元就可以了,而40多岁女性的价码则反弹到了220万美元。斯莫克女士和Prince & Associate的创建者罗斯•阿伦•普林斯(Russ Alan Prince)都认为,这种波动主要是因为30多岁的女性比20多岁的女性面临更大的结婚压力,因此她们甘愿自降身价。而到了40多岁,女性对于单身更能处之泰然,因此她们愿意等待,等到以更高的价钱以身相许。

男性对金钱的要求则较低一些。Prince的调查显示,总体上说他们的开价是120万美元,20多岁男性要求100万美元,40多岁男性报出的价码为140万美元。

常常和富有家族打交道的加州税务及不动产律师道格拉斯•弗里曼(Douglas Freeman)表示,男性开价之所以比较低,是因为他们面对拥有百万身家的女子时通常会感觉受到了威胁。弗里曼说,男性不会说他们想要1,000万美元,这是因为和远比自己有钱的女性在一起时,他们会感到不舒服。

不管怎样,考虑到当前的财富规模,无论是男性还是女性索要的价码都出人意料的低。虽然对于年收入3万美元的人来说,一两百万美元可能听起来已经是很大一笔钱了,但是按当代亿万富翁的标准来看,这不够彻底转变人们的生活,或者使他们真正过上“有钱”的日子。接受Prince调查中的受访者中无一开出超过300万美元的价码。

当然,为钱而结合的婚姻总是令人失望,而后往往是以离婚收场。在那些表示愿意为了钱而结婚的20多岁的女性当中,71%的人表示她们预计最后会离婚──这是本次调查录得的最大数值。在40多岁的男性当中,只有27%的人认为这样的婚姻会走向解体。

普林斯先生说,对于这些女性来说,这不过是在通往优越生活的路途中又迈出了一步;她们希望自己“物”有所值,回报合理,然后她们会在这条道路上继续前行。
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