On Thu, Dec 22, 2022 at 2:25 PM Jay Tindlebaum
<[email protected]> wrote:
>
> Thank you Ismael and Yuri for your feedback. @Ismael, that "reimbursments 
> bucket" is a liability type account, right?
>
> How about the following scenario: I received (from my wife) a bank transfer 
> to be redirected (invested) in a fund? (Receiving bank account is just an 
> intermediary account.) Here's the flow of the money in plain English:
>
> 1. money is transfered from wife's checking bank account to investing bank 
> account
> 2.  money is transfered from investing bank account to the fund investment
>
Hmmmmm - - - with the above you now crossed into a different kind of territory.

Ledgers are for keeping track of financial data.
They really don't care how you use them. (!!)
Double entry is nice in that its self checking.

The issue becomes when there is any kind of audit or challenge.
Friends paying part of the rent - - - that's one thing.
But when you're buying (I think the term is) fungible assets (you know the
things of 'value' (whatever that is!)) - - - - well
then things must change.

If the husband and wife decide to jointly have a securities account
- - - great - - - and then it doesn't really matter who bought what part of
what (until that nasty messy D thing comes along!). When cohabiting
persons do the same - - - - well - legally something different than
two individuals
living together happens (in Canuckistan it takes IIRC one year) - - - after
which assets are viewed differently by the courts if things ever get to such.

My caution is so that your ledger does not depict something that doesn't exist.

I would be careful to label an account as shared expenses - - - with
sub headings
for all items needed. Then you are documenting accurately what is.

(In case you think I'm over reacting - - - - was in business together with
my Mom for over 15 years. I thought I had protected myself with various
documents. Someone else took my mom to an attorney who proceeded
to issue a lot of other documents even though my mom was in that never
never land between being fully responsible and being incapable of
managing her own affairs. Someone else was given the authority to
manage everything. Almost all of my assets that I hadn't removed previous
to that point - - - - well - - - - someone else gave them away. Sorta an
expensive lesson - - - - so be careful out there.)

HTH

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