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BornAgain2

Gray divorces rising as more baby boomers opt to end marriag

While it's all and good that the modern-day church system and the "religious right" expose abortion and gay marriage, at the same time they've said NOTHING about no-fault divorce. From what I've read, them failing to do so has at least partly been the reason why the gay lobby has been able to push the homosexual agenda.

Gray divorces rising as more baby boomers opt to end marriages
http://news.yahoo.com/gray-divorc...by-boomers-opt-end-184440847.html
6/12/13

NEW YORK (Reuters) - Baby boomers, the post-World War Two generation that redefined traditional values and forged changes in lifestyle and social mores, are doing it again - in divorce court.

A poll of American divorce lawyers showed that 61 percent have seen an increase in the number of gray divorces among people over 50 in the United States.

Nearly a quarter of gray divorces were initiated by wives, compared to 14 percent by husbands.

"Baby boomers have regularly been catalysts for social change, and getting divorced in their later years appears to be one of the most recent trends," said Alton Abramowitz, a New York lawyer and president of the American Academy of Matrimonial Lawyers (AAML), which conducted the survey.

"There is a clear indication that there is a surge in over-50s divorces," he added in an interview.

Alimony was the most contentious issue in 38 percent of divorces among boomers - people born between 1946 and 1964. Business interests came in second at 20 percent, followed by retirement accounts and pensions, according to the online poll of the 1,600 AAML members.

Abramowitz, a baby boomer himself, attributes the rise in boomer divorce to several factors. People are living longer, they are reaching retirement, the children have left home, relationships have changed and it is now easier to get a divorce, even after decades of marriage.

"Some people find a younger partner. Some people find their interests have diverged. Each case is different," he explained.

NO LONGER WILLING TO STICK IT OUT

In the United States, statistics show roughly 45 percent of marriages end in divorce and the rate is even higher for subsequent marriages.

A report by the National Center for Family & Marriage Research at Bowling Green State University in Ohio showed that the divorce rate among middle-aged and older adults has doubled during the past two decades, and the rate was 2.5 times higher for remarriages than for first marriages.

And decades spent together was no guarantee the union would last, either. Former Vice President Al Gore and his wife Tipper divorced in their early 60s, after 40 years of marriage.

Lynne Gold-Bikin, a family lawyer in Norristown, Pennsylvania, expects to see more gray divorces in the future.

"I make a very, very good living from people who would rather fight and pay me than give it to the person they swore they would be married to forever," she said in an interview.

Boomers, facing mortality, are spurred to act if their marriage is not working, she added.

"People say to me, 'Life is too short. I am in the last quarter of my life and I am not happy. Get me out of here.'"


In her experience with boomer divorces, a third person is often involved, or the husband or wife waits until they have found someone else.

"They may need that push to get them out, what I call the springer. You need somebody to spring you from the marriage."

Abramowitz said women also have more established careers than earlier generations and a greater sense of financial independence, so they do not need to depend on their partner for long-term financial support.

"The baby boom generation grew up in a society that emphasized individual growth and development and independence. There has been a clear development of people's need to move on when the relationship is no longer satisfying," he added.

(Reporting by Patricia Reaney, Editing by Chris Michaud and Sandra Maler)
BornAgain2

Psalms 2:1  Why do the heathen rage, and the people imagine a vain thing?
Psa 2:2  The kings of the earth set themselves, and the rulers take counsel together, against the LORD, and against his anointed, saying,
Psa 2:3  Let us break their bands asunder, and cast away their cords from us.


http://www.marketwatch.com/story/...age-2013-09-27?link=mw_home_kiosk
Will Obamacare hurt job creation and marriage?

Commentary: Families and employers pay the price

9/27/13

At one time, getting a job was not that much of a problem. Neither was getting married. But the Affordable Care Act appears to create substantial disincentives both to hiring and marriage, potentially changing the fabric of American society in serious ways.

Let’s first look at hiring.

The Affordable Care Act is partly responsible for the slow jobs recovery. If employers with 50 or more employees do not offer the right kind of health insurance, and at least one employee gets subsidized coverage on the exchange, they are faced with penalties of $2,000 per employee per year. Since the first 30 workers are exempt from the penalty, moving from 49 to 50 workers can cost an employer $40,000 a year.

No wonder that many small businesses are opting to stay at 49 workers. If they decide to expand, they can use temporary workers or contract employees.

Bob Funk, president and founder of Express Employment Services, the fifth-largest employment agency in America, told The Wall Street Journal in an interview published last week, “Obamacare has been an absolute boon for my business…We’re up 8% this year. But it’s just terrible for the country.”

Funk continued, “Firms are just very reluctant to hire full-time workers. So they are taking on more temporary help, which is what we do.”

Companies can get around the penalty by hiring part-time workers, because they do not owe the $2,000 penalty on those who work fewer than 30 hours a week. Many companies such as SeaWorld /quotes/zigman/14150718/quotes/nls/seas SEAS -1.05%  , Wal-Mart /quotes/zigman/245476/quotes/nls/wmt WMT -0.35%  , and Lands’ End /quotes/zigman/95136/quotes/nls/shld SHLD -2.20%  , are substituting part-time for full-time workers.

As well as effects on hiring, the subsidies in the Affordable Care Act, could increase the incentive to divorce and discourage marriage.

Under the Act, if workers have affordable single-family coverage from an employer — coverage that by law workers are obligated to accept — their family members will not be eligible for premium subsidies on the exchanges. This can make the cost of insurance for some low- or middle-income families unaffordable. But if they divorce, they get the subsidy
.

Without subsidies, low-income families will not be able to afford to buy insurance on the state exchanges. The Internal Revenue Service estimates that family plans will cost $20,000 (in after-tax dollars) a year by 2016. Anyone under 400% of the poverty line, currently $94,000 for a family of four, qualifies for a subsidy — unless a family member has employer-provided insurance.

In a 2011 National Bureau of Economic Research working paper , Cornell University professor Richard Burkhauser, Indiana University professor Kosali Simon, and Cornell PhD candidate Sean Lyons showed that in 2014, when the law will take full effect, 13 million low-income Americans may be unable to get subsidized health insurance through new state health care exchanges because one family member has employer-provided coverage for that person only.

Perversely, the only way for other family members to get subsidized coverage would be for the spouses to get divorced. Then the spouse without coverage and the children could get coverage on the exchange.

This provision of the Act also discourages marriage. Say that Jeff, who receives health insurance from his employer, wants to marry Jenny, who is buying her subsidized health insurance from the state exchange. If they married, Jenny would no longer qualify for subsidized coverage.

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