Should a husband or wife check their spouse's phone? (AFP PHOTO PHILIPPE HUGUEN)
Should a husband or wife check their spouse's phone? (AFP PHOTO PHILIPPE HUGUEN)

Should your spouse read your email?



Messages circulating on social media in the UAE have a stark warning to spouses who snoop: check your husband or wife’s phone without their permission and you could go to jail. The UAE’s law on privacy doesn’t actually mention couples, but the online conversation was sparked by a lawyer here who clarified that, yes, checking a spouse’s phone without permission would fall under the law.

So far, The National is not aware of any spouses who have been prosecuted. But it raises an interesting question about the proliferation of private spaces, even in an intimate relationship like marriage. It is also a sign of the times.

In the pre-internet and smartphone era (not that long ago, for any millennials reading), a husband and wife shared most things. They shared a bedroom, a house, even a bank account. Perhaps, if they had enough space, the husband might have a “man-cave”, to use the popular parlance, and the wife, after Virginia Woolf, “a room of one’s own”. But beyond their private diaries, there were few private spaces. That was part of the bargain of marriage.

The internet era changed that, in subtle and unsubtle ways that we are still recognising. There are now separate email accounts, Facebook accounts, Instagram, WhatsApp, all of which could be complete private spaces to which the originator alone had access. Smartphones hold thousands of photographs, conversations, maps and more – all hidden from a spouse.

Even those husbands and wives who completely trust their spouse – some even have joint Facebook accounts – will likely have separate emails. (Although one US report from 2014 found more than one quarter of couples had a shared email account.)

How to navigate these new opportunities and dangers are still being negotiated. What happens, for example, if one spouse dies? Email accounts could contain important, even valuable information. Online accounts like iTunes could hold music worth thousands of dirhams. Yet, while some companies like Facebook have policies for the deceased, others like Google do not.

Technology has opened up private spaces even in intimate relationships. As societies, we are still at the beginning of understanding what that means. In the recent past, a spouse could hope to know most things about their partner. Today, there are whole worlds unknown to them.

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Teaching your child to save

Pre-school (three - five years)

You can’t yet talk about investing or borrowing, but introduce a “classic” money bank and start putting gifts and allowances away. When the child wants a specific toy, have them save for it and help them track their progress.

Early childhood (six - eight years)

Replace the money bank with three jars labelled ‘saving’, ‘spending’ and ‘sharing’. Have the child divide their allowance into the three jars each week and explain their choices in splitting their pocket money. A guide could be 25 per cent saving, 50 per cent spending, 25 per cent for charity and gift-giving.

Middle childhood (nine - 11 years)

Open a bank savings account and help your child establish a budget and set a savings goal. Introduce the notion of ‘paying yourself first’ by putting away savings as soon as your allowance is paid.

Young teens (12 - 14 years)

Change your child’s allowance from weekly to monthly and help them pinpoint long-range goals such as a trip, so they can start longer-term saving and find new ways to increase their saving.

Teenage (15 - 18 years)

Discuss mutual expectations about university costs and identify what they can help fund and set goals. Don’t pay for everything, so they can experience the pride of contributing.

Young adulthood (19 - 22 years)

Discuss post-graduation plans and future life goals, quantify expenses such as first apartment, work wardrobe, holidays and help them continue to save towards these goals.

* JP Morgan Private Bank 

Top financial tips for graduates

Araminta Robertson, of the Financially Mint blog, shares her financial advice for university leavers:

1. Build digital or technical skills: After graduation, people can find it extremely hard to find jobs. From programming to digital marketing, your early twenties are for building skills. Future employers will want people with tech skills.

2. Side hustle: At 16, I lived in a village and started teaching online, as well as doing work as a virtual assistant and marketer. There are six skills you can use online: translation; teaching; programming; digital marketing; design and writing. If you master two, you’ll always be able to make money.

3. Networking: Knowing how to make connections is extremely useful. Use LinkedIn to find people who have the job you want, connect and ask to meet for coffee. Ask how they did it and if they know anyone who can help you. I secured quite a few clients this way.

4. Pay yourself first: The minute you receive any income, put about 15 per cent aside into a savings account you won’t touch, to go towards your emergency fund or to start investing. I do 20 per cent. It helped me start saving immediately.

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