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Is Collaborative Divorce the Right Choice?
Author Jonathan Roeder Posted on

Collaborative Divorce Mediation: Is it the Right Choice for You?

A collaborative divorce, or collaborative divorce meditation, is an excellent way to work through dissolving your marriage in a way that allows you to focus on working together privately. With collaborative divorce, dissolving your marriage doesn’t have to be contentious or drawn out in litigation.

Instead, a collaborative approach can help you get through divorce without the court’s interference for the bulk of the process. Here we will discuss the benefits of taking a unified approach to divorce, who collaborative divorce is suitable for, and what a collaborative divorce entails in the state of Arizona.

Who Should Consider a Collaborative Divorce?

A collaborative divorce is an excellent option for people who do not wish to engage in lengthy divorce proceedings through the court. Using a collaborative approach to your divorce will help you avoid hashing out your issues in court, which costs time, effort and money. With a collaborative divorce meditation, you can stay on top of the process and have your attorney assist you with the various legal aspects of ending your marriage.

If you want a divorce that focuses on team effort and leaves out the drawn-out legalities, a collaborative divorce is the way to go. You and your soon to be ex-spouse can work through mediation with the shared goal of parting ways in an amicable manner.

What Makes Collaborative Divorce a Good Option?

Collaborative divorce mediation is a good option for several key reasons. We’ve listed the most common reasons people choose collaborative divorce.

You Can Avoid Lengthy Litigation

This benefit has been discussed above, but it is important to stress that collaborative divorce mediation keeps your divorce proceedings in your hands. In traditional divorce proceedings, a judge presides over your divorce and steps in to make decisions if you and your former spouse are at a point of disagreement. While this process works in situations where the involved parties are experiencing difficulties settling issues, it is not necessarily applicable to couples who want to divide assets and settle custody issues on their own.

You’ll Experience Flexibility in Scheduling Negotiations

With mediation, you can schedule divorce negotiations around other important day-to-day needs like work and the children’s school hours. You and your team can decide on a timeline for the divorce and work to resolve issues in a manner that helps everyone involved save precious time. Traditional litigation considers availability of the courts first and foremost, which can lead to a divorce that takes significantly longer to finalize.

You’ll Save Money on Court Fees

SSave Money on Court Fees

If you have a complex case where you need to divide businesses, split valuable assets, and sort out child custody, divorce litigation can become very expensive. Through mediation, the process of settling issues pertaining to children and finances can be much more affordable. Saving money in a time where you’re going through such a drastic life change can have a significant impact on your financial standing and should not be overlooked. Collaborative divorce mediation can achieve the same results while preventing you from spending thousands of dollars.

Collaborative Divorce Can Be Less Stressful For Children

Collaborative divorce mediation can prove much less stressful for children, especially if they would have been required to appear in a courtroom in front of a judge. In court proceedings where divorcing parents aren’t communicating with each other to make important decisions regarding the well-being of the children, children may need to meet with court officials. In mediation, both parents work together with their attorneys and can request the assistance of child specialists, communication liaisons and other professionals to maintain a healthy and productive dialogue about childcare needs.

When couples are divorcing, the idea of their child sitting in a courtroom often isn’t considered until discussion has devolved to the point of litigation. Fortunately if you are filing for divorce in Arizona and looking to do so via collaborative mediation, you can avoid this possibility. Settling your divorce and child custody arrangement through mediation can be a more gentle experience for the entire family.

Collaborative Divorce Helps Keep Your Divorce a Private Matter

In collaborative mediation, you can consult with legal representatives the same as you would in traditional proceedings. You have the added benefit of being able to ask questions, challenge decisions and work through points of disagreement yourself instead of relying on a judge. While your efforts are collaborative, your attorney will still serve to protect your rights and work in your best interest. Having legal counsel in your corner ensures you cover your needs in the process of dissolving your marriage.

What Issues Are Covered in a Collaborative Divorce?

Collaborative Divorce

In a collaborative divorce, mediation allows for negotiation between parties to reach satisfactory resolutions. Unlike traditional litigation, divorcing spouses rely on their attorney team and the mediator to help them come to agreements on all the issues usually covered in courtroom divorces. The most common issues you can expect your attorney and mediation team to focus on are as follows.

Division of Assets & Property

The division of assets and other property is a highly contested and complex divorce matter. Many couples, even those who are not interested in fighting in court, struggle to comb through the details of asset division effectively. With collaborative divorce mediation, this process is made smoother with the help of your attorney and a financial professional who has the expertise to settle property division issues. Your team will need the full cooperation of you and your spouse to accurately divide your assets, property, and finances.

Spousal Maintenance

With the help of your collaborative divorce attorney and your financial professional, you and your spouse will decide whether spousal support is warranted and determine the details of the arrangement. To successfully negotiate spousal support, you and your spouse must provide accurate financial information so the professionals can make a determination regarding financial support. Once an agreement is reached, a support document is created and both parties must honor the agreement. The spouse who is responsible for providing spousal support will then be required to assist the other with essential financial needs for the time specified.

Child Custody

Child custody (now referred to as legal decision-making) is often the most difficult part of a divorce to settle. When children are involved, emotions run high. As a result, power struggles over legal and physical custody can drag divorces on for extended periods of time. In a collaborative divorce process, divorcing spouses and their team openly communicate to negotiate the needs and desires of each party regarding childcare and important decisions. Like all other aspects of the divorce, spouses are encouraged to talk out issues so they can come to an agreement that works for both parties and serves the best interest of the child.

With the help of a collaborative team of professionals, divorcing spouses can develop a parenting plan that helps them decide how to communicate about childcare, how to schedule physical custody, and what they will do when critical issues regarding the child’s education, shelter, medical care and socialization arise. The parenting plan can then be approved and finalized by a family court judge.

Pets and Pet Care

A beloved pet is also an important member of the family that must be taken into consideration when spouses are divorcing. Decisions often revolve around which spouse has a stronger attachment to the pet or which spouse does most of the daily pet care. Still, it can be difficult to decide who will keep the pet moving forward. If an agreement over pet care and costs cannot be easily reached, a collaborative team can help decide how to share pet care and costs.

What Is the Cost of Filing For Collaborative Divorce in AZ?

The costs of divorce litigation can be very expensive. Attorney fees alone can range from tens of thousands of dollars to even a hundred thousand in more complex cases. While each divorce case differs in complexity, divorcing spouses who opt for a collaborative divorce process find themselves spending a fraction of the costs associated with traditional litigation.

Collaborative divorce can cost as little as a few thousand dollars. You will typically pay an attorney an hourly rate for the time they spend working on your case, but you are only billed for the time your mediator spends in mediation. Furthermore with the time saved in mediation the entire divorce process is less taxing on spouses, children, and even pets.

We Can Help You During Your Divorce

Help During Your Divorce

Divorce is a common but serious process that entails a great deal of decision-making and compromise. If you are filing for divorce in Arizona via collaborative divorce mediation, it is essential to prepare for the steps required to settle matters in a way that benefits the entire family.

Our legal experts are available to help you stay in control of the divorce process and effectively work through important issues to reach solutions that preserve communication and foster harmony. Count on us to assist with the creation of documents that will outline the essential aspects of your divorce. Together, we can ensure all your most important needs are thoroughly addressed and settled.

*Editor’s Note: This article was originally published Mar 30, 2018 and has been updated September 14, 2022.

How Financially Prepare for AZ Divorce
Author Jonathan Roeder Posted on

How to Prepare Finances for a Divorce in AZ

A handful of important considerations beckon your attention throughout the divorce process. And, being prepared can help ensure your assets stay protected.

How to Make Financial Moves Before a Divorce

If you or your partner have recently filed for divorce in Arizona, there are a few things that you should try to do as quickly as possible.

Choose a Lawyer that’s Right for You

One of the most important steps you can take before beginning a divorce is hiring an attorney you can trust. Divorce can be an intimidating process that is already emotional and stressful, and feeling unsure how to proceed can create even more anxiety.

By hiring an experienced AZ attorney, you will receive advice and assistance throughout your divorce, including formidable representation in court. A divorce lawyer is experienced with all the issues that may occur during divorce, including financial considerations. If you and your soon-to-be-ex-spouse differ regarding the division of assets, an attorney can help you handle financial concerns in a way that preserves your future.

Organize and Identify Your Assets

Organize Records

Identifying your assets also helps if you think your partner may try to sell or hide any community assets in an attempt to avoid dividing them with you. Bank statements, credit card statements, mortgage statements, retirement accounts, life insurance policies, and any physical assets or properties should all be accounted for. It is critical to know what you have before you begin the property division process.

Estimate the Cost of Your Divorce

Unfortunately, divorce is rarely a cheap process. Many people go into divorce not expecting its high price tag and are therefore uncertain what to do with money before a divorce begins. Whether you choose mediation to settle various aspects of your divorce out of court or engage in lengthy litigation to make decisions, divorce expenses can add up quickly. Since every divorce is different, it isn’t easy to determine the potential cost of your case. However, estimating attorney fees, moving costs, court fees, and regular monthly expenses can help to give you a better idea of how to manage your money moving forward.

Avoid Making Major Financial Decisions

Of course, divorcing is itself a major financial decision that will impact your finances. However, other major decisions, like changing your beneficiaries, closing accounts, and transferring assets before a divorce can hurt you during the divorce process. These things will be handled legally once the divorce is underway and the division of assets has begun. If you make these moves too soon, you may risk contempt of court or lose your assets to your soon-to-be-ex.

How to Prepare Finances for an Arizona Divorce

During your divorce, division of assets will result in property ownership changes, in addition to your regular and divorce-related expenses. Here are some tips for handling your finances during the chaos of a divorce.

Close Joint Accounts

Close Joint Accounts

Once you have begun the divorce process, it’s time to start closing your joint accounts. Often, bank accounts have both partners’ names, and funds will have to be transferred individually to new accounts. Joint credit cards must be canceled through the creditor, and you’ll have to open your own new credit account.

Closing joint accounts can help prevent your ex-spouse from misusing funds before the divorce is finalized. It’s important that you open a new checking and savings account in your own name and arrange income for deposits and debits for expenses to be handled through the new account. You should also keep documentation regarding when you closed your joint accounts and began your own.

Get An Asset Evaluation

Your assets are important. Whether you’re dealing with expensive collectible items, a shared family home, or your retirement fund, evaluating your assets is critical for a fair property division process. By hiring a professional to evaluate your and your ex-partner’s assets, you can ensure that the correct value is placed on each asset and that they are fairly divided during the divorce. A professional asset evaluation should be done as soon as possible to avoid delays in your divorce and prevent your partner from hiding assets.

Gather Financial Documentation

To properly handle your finances and ensure that property division occurs fairly during your divorce, you will need to collect a great deal of financial documentation. If you have not already done so prior to beginning your divorce, gather bank statements and credit card statements to help to give your lawyers and the court a better idea of how finances were used throughout your marriage. Checking and savings statements, pay stubs, credit card statements, bills, loan agreements, and income tax returns are all critical documentation needed during a divorce. These documents can help the court understand how money was handled as well as its source, such as the individual incomes of each partner.

Maintain Your Individual Credit

Your credit score plays a crucial role in many areas of your life, including your financial health. Despite the difficulties of your divorce, it’s important to maintain your credit. Unfortunately, people often complete a divorce with weak credit due to mounting expenses, their partner’s spending issues, and many other factors. It’s essential to continue building your individual credit so that you can avoid issues like higher financing rates or difficulty renting or purchasing a new property.

Don’t Forget About Insurance Policies

Insurance policies can become a complex financial task because they often affect other important aspects of your life, many of which were shared with your partner. For example, most life insurance policies will require beneficiary changes if you wish to remove your former spouse. Car insurance policies may also need to be changed if they were previously shared by both spouses or if vehicle ownership has changed.

How Can I Afford to Live on My Own After Divorce?

During a divorce, you may experience multiple different housing situations, all of which present different financial concerns. So, how does this work?

Home Sale

One Spouse Buys Out the Other

Since a home is a physical asset that cannot be split unless sold, the person remaining in the family home must often “buy out” the other spouse. This can be done via a cash out finance or forfeiture of an asset or assets of equal value. With these assets or funds from the cash out refinance in hand, the other spouse can afford a new living situation. The title will need to be transferred to the remaining spouse, and all ownership and mortgage documents should be solely under that spouse’s name.

Spouses Agree to Sell the Home

Another option is selling the family home. Sometimes, this is the best option for couples who do not have children, or cases where neither partner feels they have the finances to maintain the home on their own. With the help of a real estate agent and your lawyer, you and your partner can sell your shared home and then split the proceeds fairly. If you and your partner can’t afford to keep the home or are worried about selling it in the current market, you may also agree to rent the house to a third party. When this happens, proceeds can be split between both partners.

Other Circumstances

Unfortunately, the above options may not be available for all couples, especially if they owe more for the home than the home’s current market value. In some cases, if neither you or your partner wants to remain in the home, or neither of you feel you can afford to stay there, you may have to agree to sell the home at a loss. In more severe circumstances, foreclosure may be necessary. Moving forward, the assets retained after the divorce and your own efforts to maintain your credit should help you find a new residence you can afford.

Protect Yourself and Prepare Your Finances During a Divorce

We provide affordable legal services for any individual involved in or looking to initiate a family or divorce law case. We offer guidance as well as our professional expertise and knowledge of the law. We are located in the heart of Phoenix, but our services are digital, which allows us to help individuals throughout the state.

 

*Editor’s Note: This article was originally published March 21, 2018 and has been rewritten August 23, 2022.

Jobs With High Divorce Rates
Author Jonathan Roeder Posted on

Pay Raise or Divorce Papers? Some Careers Sink Marriages

Though both marriage and divorce rates are declining, divorce is still fairly common in Arizona. 1 Every year, thousands of couples decide to go their separate ways and begin new lives apart from one another. For those who are in or are entering into a marriage, divorce can be an intimidating and outright scary concept.

Many people wish to know how to foretell which marriages will end in divorce. Unfortunately, there is no perfect algorithm that can determine which marriages will last and which won’t. A lot of marriages end because of a combination of factors that become insurmountable.

However, individuals in certain professions may be more likely to divorce than other people. In some cases, this may be because the job does not pay enough; economic hardship has been shown to lead to divorce.2 However, there are other factors that can lead employees in some industries to be more prone to divorce.

Bringing Work Stress Home

It should be no surprise that jobs and divorce are correlated in some way. For most people, work is a large consumer of time. It makes sense that one’s work would have some impact on one’s home and personal life.

Stress is a common part of having a job. 3 Whether you are working with your hands, sitting at a desk, or have variable responsibilities, you have likely faced tension and stress about your job. Most people want to perform their tasks well, and this adds pressure to one’s daily performance. The stress of the tasks themselves, coupled with the pressure of providing for one’s family, can create significant stress for employees.

When employees are stressed, they often bring their concerns home with them. Sometimes, they are able to discuss their concerns. In other situations, they simply bring tension from their work environment into their home. This can ignite arguments and create an unpleasant home environment if not properly managed. This kind of environment creates a situation in which pent-up outside concerns, issues, and resentments can easily arise in an argument. When these kinds of explosive fights occur between couples, they can begin to erode the marriage.

If employees are not cautious, the stress from their job can do major damage to their families and relationships. When people do not safely and properly express their emotions, they create unpleasant situations throughout their lives. These unpleasant situations often lead their partner to consider divorce.

What Jobs Are Most Associated With Divorce?

As mentioned, workers in some professions are at a higher risk for divorce than others. In some situations, the industry has added stressors that create tension in a marriage. In other situations, the employees work strange hours or long shifts, which can create a work-home imbalance. Yet, other professions create environments where it is easy to make choices that affect a marriage, such as drinking too much, going on work outings, or being unfaithful. No matter the reason, it is important to be aware if you or your spouse works in one of these industries. You may be at an elevated risk of divorce.

Gaming Managers

Gaming Managers

Gaming and casino managers seem to have the highest divorce rate of any profession, with around 52% of marriages ending in divorce. There are many possibilities regarding why this may be. Casino employees keep abnormal working hours, as their industry is busiest on nights and weekends. Gaming managers are often given drinks on the job, meaning that they may arrive home inebriated after a shift. What’s more, there are many other salacious activities that occur at casinos and gaming halls, which can easily get employees into trouble with either the law or their spouses.

Military

Military

Members of the armed forces often have high divorce rates as well. Military jobs are high-stress and require intense dedication. Many families have to move from base to base without having a say in the decision, and the work is often underpaid. In order to remain with their loved ones, military employees often marry young, which is also a risk factor for divorce.4 Military members are often stressed or on high alert, which can take a significant toll on their mental health. This can create issues and increase the tension in their marriage.

In many of these marriages, the couple does not have the time, energy, or financial resources to properly address and resolve their issues. In others, frequent deployments, military schools, and other separations can create stress, reduce the marital bond, and even invite temptation. For some military members, divorce is a solution to unhappiness.

Food Service

Food Service

Individuals who work in the food service industry are more likely to get divorced than in other industries. This includes professions such as bartending, serving, or cooking at a restaurant, nightclub, or bar. Generally speaking, long hours play a significant role in this statistic. Most food service workers have to work nights and weekends, often without significant pay. Even with tips, waitstaff and bartenders do not usually make the kind of money that would be required to offset the detrimental lifestyle.

The service industry is also highly stressful, despite the inadequate pay. Restaurants and bars are often busy, and the stressful work environment can lead to mental health issues, such as anxiety and depression. Substance abuse is also common in the service industry, which can lead to significant problems within a marriage.

Healthcare Support

Healthcare Support

Healthcare support staff positions have high rates of divorce. This category includes positions such as nursing assistants, home health aides, hospice careers, physical therapy assistants, etc. They often have to take care of a patient’s most basic needs, such as bathing and general hygiene. Some patients face terminal illnesses or end-of-life plans. These situations can easily leave an individual feeling emotionally and physically drained at the end of the day.

Though these individuals are in highly emotional and demanding situations, they do not get paid as much as nurses, physical therapists, or doctors do. This means that they may lack the resources to pay for couples’ counseling or therapy, which can often help to avoid divorce. They likely feel stressed about their financial situation, which can further erode their relationship with their spouse. Similar to military personnel, healthcare support staff may lack the time, energy, and resources to repair or maintain their marriage.

Flight Attendants

Flight Attendants

As part of their job, flight attendants travel from city to city. This often means staying overnight in hotels to wait for the next flight they must work. Sometimes they are on call for days at a time and are unable to see or speak to their families while they work. These hours can make it difficult to maintain a relationship, as it is difficult to plan time together with such an erratic schedule. If a couple is looking to get counseling, it may also be difficult to schedule appointments around flights and overnight stays. So much time apart can make it difficult to build a life with someone, and many end up getting divorced.

Telemarketers

Telemarketers

No one likes to receive calls from telemarketers, but it turns out being on the calling end of things is not so pleasant either. Telemarketing is a repetitive job with little room for advancement or job growth. As marketers change their methods frequently, there is little job security. What’s more, the pay is very low with very few rewards and perks.

These kinds of jobs breed unhappiness, resentment, and mental illness. Many people suffer low self-esteem when their job does not give them fulfillment or reward for their work. Telemarketing is one such job, and employees bring their frustration home to their spouses. This can quickly damage even the most stable of marriages.

Lowest Divorce Rates

It is worth noting that not all professions have a grim outlook as far as divorce is concerned. There are many common professions that have particularly low divorce rates, which can provide hope for some couples. Some of the professions with the lowest divorce rates include:

  • Actuaries
  • Clergy members
  • Scientists
  • Software developers
  • Physicians and surgeons
  • Chemical engineers

marriage counseling

While a job in one of these fields cannot guarantee that a couple will not get divorced, it does illustrate a key point about the connection between jobs and divorce. Many of the above positions offer competitive salaries and benefits are often included. With the additional income and healthcare support, many couples can afford counseling to work through their problems. They also likely have access to mental health support, which can help a marriage even if only one member participates.

Divorce Options for a Smoother Process

For many people, divorce is a frightening situation. Changing one’s entire life and family structure is certainly intimidating, and it can be difficult to traverse the emotions that occur during this time. What’s more, divorce often represents a significant cost. As we have seen, employees with low incomes are more likely to get divorced, meaning that the cost of the process is likely significant.

It may be helpful to know that you have options when it comes to seeking a divorce. There is no single way to get divorced, and you can tailor the process to your unique situation. Though you will have to get legal assistance during this time, you do not have to spend thousands of dollars for a litigation expert. In some cases, divorces can be relatively smooth and peaceful if both parties work together.

Explore Separation

Before you go through the legal process, it can be helpful to explore separation. This allows you and your spouse to get a reprieve from the stress of your marriage without going through the legal divorce process. In some cases, couples find that their problems reside outside of their marriage. Knowing this can save you a significant amount of time, money, and heartache.

Seek Mediation

Many couples find that mediation is a helpful alternative to courtroom litigation when negotiating divorce terms.5 Not only does this save a significant amount of time, it can lower the cost of a divorce significantly. Paying for two attorneys to represent you and your spouse in court can be oppressively expensive. However, with a mediator, there is only one person in the room with you. You and your spouse discuss your assets and how to divide them equally. The mediator is present to help move you through any disagreements and to ensure that your terms are fair and legal.

Though you will still have to appear in court for your divorce to be official, this can be a great way to negotiate the terms of your divorce. This is especially true if you and your spouse are divorcing fairly amicably and can communicate with one another with a professional present.

Disclose All Assets

Some people believe that hiding assets will help them to retain 100% of those hidden assets during a divorce. This never works the way it is intended and only slows the divorce process down. The court nearly always finds the hidden assets, and they may need to ensure that you aren’t hiding anything else. This can extend the court process and add additional fees and fines for both you and your spouse.

Use Online Document Drafting

Use Online Document Drafting

Rather than hiring an in-person attorney to draft your divorce documents, it can help to use online document drafting services. An online legal document preparer can save you time and money, while still giving you the professional divorce documents required to make your divorce legally binding. These documents are created and reviewed by attorneys who understand the needs of couples and the challenges of the divorce process. You can feel confident about your divorce documents without spending unnecessary money and time on expensive in-person divorce document drafting.

*Editor’s Note: This article was originally published Mar 13, 2018 and has been updated July 18, 2022.

Sources

  1. Sbarra D. A. (2015). Divorce and health: current trends and future directions. Psychosomatic medicine, 77(3), 227–236. https://doi.org/10.1097/PSY.0000000000000168
  2. Scott, S. B., Rhoades, G. K., Stanley, S. M., Allen, E. S., & Markman, H. J. (2013). Reasons for Divorce and Recollections of Premarital Intervention: Implications for Improving Relationship Education. Couple & family psychology, 2(2), 131–145. https://doi.org/10.1037/a0032025
  3. Mensah A. (2021). Job Stress and Mental Well-Being among Working Men and Women in Europe: The Mediating Role of Social Support. International journal of environmental research and public health, 18(5), 2494. https://doi.org/10.3390/ijerph18052494
  4. Cohen P. N. (2019). The Coming Divorce Decline. Socius : sociological research for a dynamic world, 5. https://doi.org/10.1177/2378023119873497
  5. Hahn, R. A., & Kleist, D. M. (2000). Divorce Mediation: Research and Implications for Family and Couples Counseling. The Family Journal, 8(2), 165–171. https://doi.org/10.1177/1066480700082009
Wrecking Your Finance
Author Jonathan Roeder Posted on

How To Keep A Divorce From Wrecking Your Finances

By Laurence Kotlikoff, Next Avenue Contributor 

(Kotlikoff also contributes to Forbes. His posts can be found here.) 

Divorce is always sad, but when it turns ugly, it’s terrible. You may remember The War of the Roses, the dark comedy where Kathleen Turner and Michael Douglas start out as a perfect couple and end up destroying their possessions — including their luxurious house and cars — because they can’t agree on who gets what. That movie is unfortunately hitting home for plenty of boomers and Gen X’ers. According to a recent survey by Allianz Life Insurance, two thirds of divorced women feel their divorce created a financial crisis.

Many of my friends have gone to divorce war, but unlike Turner and Douglas, they destroyed their finances (by paying steep legal fees), not their possessions. Divorce doesn’t have to be as financially painful as it so often is, though.

Why Divorce Turns Into War

What drives divorce wars? My hunch is that many are driven by very different assessments by spouses of the impact of their proposed settlements. For example, a husband may think his settlement proposal is incredibly generous while his wife thinks it’s miserably cheap. Without a neutral measurement stick, their fight — with the lawyers’ meters running — can go on and on.

s an economist, I’d say that this is where economics can help couples. Its math and computer algorithms can figure out precisely how much each spouse will get to spend now and in the future under any given divorce settlement. And this analysis can take into account all relevant factors, including the division of assets, alimony and child support, child custody and the disposition of the marital home.

How do I know? My company just released a new software tooldesigned to limit divorce wars (full disclosure: I derive no income from it). It calculates each spouse’s living standard under any proposed divorce settlement.

John and Sally’s Equitable Divorce

Let me illustrate this new technology:

Take John and Sally Doe, both 50, who are untying the knot after 25 years. John earns $200,000; Sally earns $40,000. John and his employer both contribute $6,000 a year to his 401(k). Sally and her employer both contribute $3,000 to hers. John and Sally plan to retire at 65. The couple has one child, Sam, 10. Sam will spend 80% of his time with Sally and 20% with John. John will cover Sam’s college expenses. The couple own a $450,000 house with a $90,000 mortgage. John proposes that Sally live in their house for eight years, while he picks up three-quarters of the housing cost. Meanwhile, John will buy a condo for $200,000. Sally will buy the same-priced condo when they sell their house, sharing the proceeds 50/50. John also proposes dividing the couple’s $200,000 in regular assets and $1 million in retirement assets in proportion to their labor earnings.

John wants to be fair. He figures that paying for most of Sally’s and Sam’s housing for the next eight years, covering Sam’s college expenses and housing and feeding Sam one-fifth of the time is highly generous. He also believes his and Sally’s living standards will be pretty similar once his much higher tax payments are factored in. So John proposes no alimony or child support.

Is John right? Will he and Sally be able to spend roughly the same amount over the rest of their days?

No, he’s wrong. But by playing around with the numbers and the software they can arrive at an agreement that works for both of them.

John’s proposed settlement lets him spend $83,215 annually and Sally spend $23,353 annually (measured in today’s dollars) after covering all housing costs and taxes. There are lots of reasons for this big differential, including John’s higher salary, his large asset share and his receipt of higher Social Security benefits.

When Sally points out the large spending (living standard) difference, John offers to split all assets 50/50. Now John’s and Sally’s annual spending amounts become $73,891 and $35,757, respectively.

Sally, who sacrificed her career to put John through law school and raise Sam, digs in her heels. “John, you need to pay alimony and child support,” she says. John agrees to $25,000-a-year in child support until Sam goes to college. Sally runs the computer program again and finds that John’s annual spending would now be $68,783 and hers would be $41,158.

Sally says, “John, sorry, but you wouldn’t be making five times my salary if it weren’t for me. There is no reason I should have a lower living standard going forward. If you pay me $20,555 each year in alimony and agree to the other things you offered, we’ll both get to spend the same amount each year: $54,836.”

John thinks this over and then counters with a $10,000 annual alimony payment, pointing out that his job is far more demanding than Sally’s. Sally, upon reflection, decides this is reasonable and the two hire a single attorney for one hour to draw up the agreement. Sally and John used economics to save their divorce.

How to Divorce Fairly

Couples don’t have to use this software to come up with equitable divorce agreements. You can also get a rough handle on your relative spending levels by comparing each spouse’s disposable lifetime resources.

To arrive at this number, you’d start by calculating your lifetime resources (the present value (how much a future sum of money is worth today) of your future labor, Social Security and other income including alimony and child support plus your current net worth. Next, you’d subtract the present value of your projected taxes, housing costs, expenditures on children and other expenses including alimony and child support payments. The difference is your spendable resources.

Do this for your spouse, too, and then divide by each spouse’s maximum remaining lifespan (use a calculator like this one) to find what each spouse will be able to spend annually. This is a rough calculation primarily because you’ll need to guesstimate your taxes and may mis-estimate your Social Security benefits, since they may be different in the future than what you expect today.

Source: www.forbes.com “https://www.forbes.com/sites/cdw/2017/09/21/three-organizing-principles-for-digital-transformation/#1900a7504da3”, Laurence Kotlikoff, 5/31/2017.

Divorced Gay Couple
Author Jonathan Roeder Posted on

Supreme Court asked to rule in divorced gay couple’s child custody case

PHOENIX — Saying biology matters, an Arizona woman is making a last-ditch effort in court to keep from being forced to share custody of her child with her former wife.

Keith Berkshire, attorney for Kimberly McLaughlin, is asking the U.S. Supreme Court to overturn last year’s ruling by the state’s high court, which concluded that Suzan McLaughlin had the same right to claim parentage as if she had been Kimberly’s husband.

In legal pleadings, Berkshire acknowledged the historic 2015 U.S. Supreme Court ruling that concluded that states must extend the right to marry to same-sex couples.

The justices expanded on that two years later, spelling out that same-sex couples must have access to the “constellation of benefits that the state has linked to marriage.”

But Berkshire contends nothing in either ruling requires states to ignore the biological fact that men and women are different — and that, by definition, two women cannot both be the biological parent of a child born to one of them. That, he said, undermines the decision of the Arizona Supreme Court to effectively rewrite a statute that says only men are entitled to the presumption of “paternity” of a child born during a marriage.

In the legal filings, the attorney also takes a slap of sorts at the Arizona Supreme Court, saying the justices effectively adopted a statute dealing with how paternity cases are handled in cases of artificial insemination, a statute that, while approved in other states, had never been enacted by lawmakers in Arizona.

What the U.S. Supreme Court decides could have implications on other cases involving child custody and support: A ruling against Berkshire would undermine arguments by Maricopa County Attorney Bill Montgomery and the Center for Arizona Policy that just because same-sex marriages are legal does not void state laws that differentiate between same-sex couples and heterosexual couples.

That’s not just an academic argument.

In writing last year’s ruling, Arizona Supreme Court Chief Justice Scott Bales said he reads the U.S. Supreme Court ruling on gay marriage to “require a reassessment of various state statutes, rules, and regulations to the extent they deny same-sex spouses all of the benefits afforded opposite-sex spouses.” That includes taxation, property rights, hospital access, adoption rights and more.

Court records show Kimberly and Suzan, legally married in California in 2008, agreed to have a child through artificial insemination using an anonymous sperm donor.

Kimberly became pregnant in 2010. The couple moved to Tucson, entered into a joint-parenting agreement and executed mirror wills, declaring they were equal parents to the child.

After the boy’s 2011 birth, Suzan stayed home and cared for him while Kimberly worked as a physician.

When he was nearly 2, Kimberly moved out, taking the boy with her and cutting off his contact with Suzan.

In filing for divorce, Suzan sought parenting time, citing an Arizona law that says that the husband is the presumed parent of a child born within 10 months of a marriage.

When a trial judge agreed to let the case proceed, Kimberly appealed, saying the paternity presumption law, by its plain wording, applies only when the other spouse is a man.

Berkshire said the Arizona Supreme Court, in agreeing Suzan could use the paternity statutes to be declared one of the boy’s parents, ignored both the reason legislators wrote the law the way they did as well as basic biology.

 “Specifically, when a woman is married to a man and becomes pregnant, it is not only possible but also likely that her husband is the biological father of her child,” he wrote in his petition to the U.S. Supreme Court.

“When a woman is married to another woman, it is impossible for both women to be biologically related to the child,” he said. “A statute that acknowledges this biological fact does not violate the Fourteenth Amendment,” which guarantees equal protection under the law.

Berkshire said Suzan might have a claim if she and Kimberly lived in a state like Oregon, New Jersey or New York. Lawmakers in each of those states have adopted measures, based on a model statute, which spell out that if a child is born to a woman through artificial insemination, her husband is automatically treated as if he were the child’s biological parent.

“Arizona does not have an artificial insemination statute, and Arizona is not required to enact one,” the attorney told the justices. But he said the ruling written by Bales effectively “circumvented the legislature” and enacted the model law.

“But this is not the court’s role,” Berkshire said. “If this court or constituents are dissatisfied with the state of our current laws, the proper forum to advocate for change is in the legislature, not the courtroom.”

The attorney said the Arizona Supreme Court intruded into the realm of state lawmakers by concluding the paternity statutes had to be read and enforced in a gender-neutral fashion.

He said it was “beyond the Arizona Supreme Court’s domain to rewrite the statute in order to conform with any perceived public policy.”

Source: Tucson.com “http://tucson.com/news/local/supreme-court-asked-to-rule-in-divorced-gay-couple-s/article_873380c7-07a0-52bb-aaf3-1e06c77b547a.html”, Howard Fischer Capitol Media Services, 01/15/2018.

Unhappy Marriages
Author Jonathan Roeder Posted on

3 Reasons Why We Stay in Unhappy Marriages

It seems like there are two different types of divorces:
1. Those that last decades, fighting tooth and nail over every spoon, chair, and penny, and
2. Those that seem to simply dissolve quietly before our eyes, as if it had all only been an illusion in the first place.

The first type may end up in the media – depending on how extreme the fighting gets, or how much money is at stake –and second type leads us to believe that divorce is simple and routine – like laundry or grocery shopping. No matter how easy someone may make it look, the pain, disappointment, and sense of failure are the same for everyone.

Not every divorce is caused by some big life changing event such as infidelity or abuse. It may simply be the realization that your life isn’t going the way that you want it to, and your current situation doesn’t allow you to pursue happiness in the way you desire. You are living with a feeling of mild discontent that is exacerbated by the arguments and disagreements you have. We stay in unhappy marriagesbecause they don’t seem that unhappy – until one day, we realize how unhappy we really are.

Some of us spend our marriages in a constant state of “will-they, won’t-they”, riding the highs and scraping by during the lows. You fight and argue, and sometimes it feels like the end of the world. Sometimes that feeling grows as your patience shrinks. And sometimes, you decide, “This is it, I’m really done this time!” and then… something happens. You have a wonderful family day at the zoo, or a romantic dinner at your favorite restaurant for your birthday, and it feels like old times. But that day out or date night was an anomaly, and you quickly drop back into your regular routine of quiet unhappiness.

Whether it is your brain or your heart that ultimately makes the call, you decide to stick it out a bit longer, because things will get better – or be different – soon. Right?

Why We Stay In Unhappy Marriages

Whatever our brain decides is the is primary justification for remaining in unsatisfying or downright miserable relationships, there are really only a few reasons why we stay in unhappy marriages. Here are the top three.

1. We Stay In Unhappy Marriages for Our Children

stay married for the childrenMany people in self-proclaimed unhappy marriages say that they stay with their spouse for the sake of their children. They don’t know how their children will respond, don’t have a clear understanding of how child custody will work in their case, or are scared of losing their relationship with their children post-divorce. Once we become parents, much of our decision-making is focused on how a particular decision will impact our children. Nobody wants to see their children upset and scared.

The fact is, however, that in order for your children to have healthy relationships, they need good examples of what healthy relationships should be like. If you and your spouse are constantly fighting, then the example you are setting for your child is that being unhappy is ok. It is your responsibility as a parent to value your happiness, as a model for your children and the standards they should set for their own relationships.

2. We Stay In Unhappy Marriages Because of Happy Memories

stay because of happy memoriesThe funny thing about memories is that we only remember certain things – the really good things and the really bad things. All of the middle moments just sort of blend together. So when you look back at the life you have built with your spouse, there are a few key memories and moments that spring to mind, and since the actual emotions you felt are long passed, you have ghost emotions that are typically much stronger one direction or the other than it was during the actual event.

For example, if your honeymoon was mostly pleasant, with only minor bumps along the way, chances are you will remember it down the road with the softened lens of time. The details and negatives fade out and the memory becomes more positive than the initial experience actually was.

Our brain can use this to trick us in a couple of different ways. It can cause us to wonder how things got so bad when they used to be so good, or it can convince us that things will be good again, if we just put in enough time/effort/energy/patience. We let our perception of past events control our future, instead of critically looking at our goals and making a educated decision on whether our current path will allow us to accomplish them.

3. We Stay In Unhappy Marriages Because of Fear

fear of being aloneRegardless of what other reason your brain may generate for you, the #1 reason why we stay in unhappy marriages is fear. Fear of change, fear of loss, fear of what their future will be like without your spouse. You shouldn’t be ashamed of being afraid. Fear is what keeps us from making really bad choices in our lives. You didn’t jump off a bridge, even though all your friends were doing it, because you were afraid of the consequences. In this instance, your fear was justified and helped to preserve your life and health. That is what fear is for.

Fear can be a great thing, as it is your brain’s way of protecting you from potential hazards. It is when you become immobilized by fear that things get tricky. Inaction is the best friend of fear, and they love to work together to keep you from moving forward. You have done new and scary things your entire life, from taking your first steps to rebelling against your parents, even getting married! The fears that you have overcome have defined who you are as a person, and those that you allow to rule your life do the same.

Knowledge: The Key to Overcoming Fear

People have the ability to strap themselves into a harness and jump off a bridge with just a single rope attaching them because they understand exactly what will happen, when it will happen, and what safety measures are in place to protect them from damage. They have researched and weighed various factors, and have decided that the potential outcome is worth the risk.

Those people we see who seem to have it all together as they seamlessly navigate divorce with no second thoughts have a secret. They have struggled with the same emotions that you have, but they have decided that they are worth more or their life can be more that it is in their current situation. So how have they gotten to this point of quiet confidence?

Reach Out to an Expert for Help

They have most likely reached out to an expert to explain the process and help them understand what divorce can mean for them, their finances, their family, and their future. If that’s not enough, they have reached out to a therapist, or maybe joined a support group for help dealing with the emotional impact of divorce.

A family lawyer does more than assist you with filing paperwork. Reaching out to a lawyer when you are considering divorce can help you to understand what life could be like outside of the restraints of your marriage. Many divorce lawyers work to expose the unknown so you can be confident you are making the right choice for you and your family, regardless of whether that means you will be pursuing divorce or not.

A divorce lawyer can fully explain all the options available to you, recommend counselors, answer all of your questions, and address any concerns you may have about the divorce process, child custody and support, or any other aspect of your life post-divorce. You then have the knowledge you need to weigh those options, look at the different potential outcomes, and can decide to pursue divorce, wait for a better time, or maybe even come to the realization that your marriage isn’t so bad after all.

The Moral of The Story

Don’t let fear, memories, or even your children keep you from pursuing your best life possible. Speak to an experienced divorce lawyer who can help you understand your situation, and get a full analysis before you do anything. You just may find that – with some concerted efforts, or a few sessions of marriage counseling – you could already be living your best life. An outside perspective may help you recognize and appreciate what you have, and what your marriage could become with some time, patience, and support – or you may gain the knowledge and tools you need to overcome your fears, enabling you to leave your unhappy marriage and start a new, better life for yourself.

 

Source: www.divorcemag.com “http://www.divorcemag.com/articles/3-reasons-why-we-stay-in-unhappy-marriages”, Tracy Mccole, 3/01/2018.

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