“The truth about marriage is that divorce is getting less common,” New York Times writer Tara Parker-Pope says in her newly released book, “For Better: The Science of a Good Marriage” (Dutton, 2010). For a variety of reasons, “divorce rates have dropped sharply since peaking in the late 1970s,” she observes. Parker-Pope frequently reports on current marriage research in the Times. Her book says that in recent years she has “interviewed dozens of the world’s top marriage and relationship researchers, and pored over hundreds of published research studies,” exploring “what science has taught us about lasting relationships and the complexities of courtship, love and marriage.” Inflated divorce statistics can be harmful, Parker-Pope suggests. She is concerned that misleading statistics have “trained a generation to be ambivalent about marriage and divorce.” People are left asking, “If half of all married couples are getting divorced, what’s the big deal?” Parker-Pope cautions that incorrectly understanding current divorce statistics may result in many people believing that “marriage is more fragile than it really is.” Believing that more people are destined to divorce than is the case could lead some couples simply to give up when problems occur in their marriages, she fears. The “grim statistic” that 50 percent of marriages are destined to end in divorce has been repeated for years, “but that bleak prognosis doesn’t apply to most couples getting married today or even most of those who married in the last few decades,” according to Parker-Pope. The problem, she adds, lies at least partly in how divorce rates tend to be calculated. Her book holds that “because so many variables in the marriage-and-divorce equation are changing, a simple calculation comparing marriages and divorces in a given year ends up distorting the result and suggesting that the divorce rate is higher than it really is.” One factor in the overall divorce-rate picture is that couples today tend to marry at an older age than was the case in 1970, for example. Studies indicate that the “risk for divorce drops significantly when couples wait to wed until after the age of twenty-five,” Parker-Pope writes. She says an added benefit of marrying at a later age may be that “many of the weakest relationships are ending before a couple ever heads to the altar.” It is true that couples married in the 1970s divorce at high rates, according to Parker-Pope. Then couples typically married “in their late teens and early twenties,” she states; statistics show that the 30-year divorce rate among these couples “is about 47 percent.” But Parker-Pope finds that “people married in the 1980s and 1990s are getting divorced at lower rates than their counterparts married in the 1970s.” In fact, she says it appears that marital stability is “improving each decade.” So, for Parker-Pope, today “the good news” is that “far more people are succeeding at marriage than failing.” She says research suggests that “far more than half of married couples today stay married.” Nonetheless, she points out that “a sizable minority of marriages will eventually fail.” She notes, as well, that fewer people today marry at all. The writer cautions that current statistics on divorce do not mean that marriage has become easy. Actually, Parker-Pope finds that contemporary couples “have far higher expectations of marriage than did earlier generations.” Social shifts have “raised the bar” for marriage in terms of the emotional fulfillment that is sought, the partnership and fairness that is desired, and the strong sense many spouses have that they ought to remain soul mates. Source: http://www.foryourmarriage.org/the-truth-about-divorce-statistics/
Modern divorce is not about who was the meanest or who slept where. It's about the money. Both spouse's income and assets are -- or should be -- on the table. But couples don't always know a lot about each other's finances, or where to look. They might not even realize how much less they're worth, due to the squeeze on incomes and the housing depression. Divorce rates fall during hard times because couples can't afford the split. But for people quitting anyway, the struggle ramps up. Here are 10 tips for getting the most out of a diminished marital pot: 1. Follow the money. If you don't know much about your spouse's finances, or aren't sure that everything is on the table, snoop. Any financial documents can be a clue to income or property: Online bank and investment accounts, life and homeowners insurance policies, payroll and retirement-plan statements, financial statements filed when you took out a mortgage, a copy of the will or trust, credit card statements, and tax returns (if you don't have copies of them, you can get joint federal returns for the past five years by filing Form 4506-T). Assuming that you know your spouse's Social Security number, you can also get his or her credit report free online, at AnnualCreditReport.com. Unexpected debts or charge accounts might show up. 2. Dig into your spouse's business. Wholly owned businesses are notorious for shielding income from the IRS or from a spouse. Tax returns might not present a full picture of what the company actually earns. If a lot of money is at stake, hire a forensic accountant -- your divorce lawyer will know one. The accountant will press for documents that show more fully where all the business assets are and how much cash is floating around. 3. Protect your flanks. You'll need personal money to tide yourself over during the months it takes to reach a settlement. If your spouse hit you with the split by surprise, he or she is probably prepared, so you're at a disadvantage. Holding some money separately makes sense in any relationship. So do separate credit cards. Freeze an open, joint home-equity line and joint credit cards immediately, so your ex-to-be won't be tempted to run up extra debt. In "good" divorces, the freeze should occur by mutual agreement. In bad divorces, one spouse could be left without credit or access to cash. 4. Nail down any money you brought to the marriage. You can normally take inheritances and any pre-marital personal savings away with you, even in a community property state, as long as it stayed in your separate name. If you mixed it into the general pot of assets acquired after the marriage, however, it will probably have to be divided when you separate, in amounts depending on state law. You might get a larger settlement if you can show that your money financed the family business or your ex's professional education. 5. Go after the pension and retirement accounts. Individual Retirement Accounts, 401(k)s, and company pensions all have to be divided, although not necessarily in half. If you each have plans, both of them are up for grabs. You can split an IRA with a written agreement, but you need a court-ordered Qualified Domestic Relations Order, or QDRO, to win part of a company plan. The QDRO should say what you'll get, when you'll get it, and how the value will be figured. The company has to approve the wording, to be sure that it follows all the plan rules. Otherwise you won't be paid, no matter what the divorce agreement says. You'll need an expert to check the value of a traditional pension. If you can get only a future payout from the plan, you might want to trade it for more cash or property now. If your spouse has stock options, an excess benefits plan, or any other type of deferred compensation, negotiate for a piece of this, too. 6. Don't expect permanent alimony. A spouse with low or no income might get alimony, but awards are often not enough to support your current standard of living and are often for a limited time period. Judges expect dependent spouses who can do so to go out and get a job Homemakers -- male or female -- sometimes think they'll do better coming into court looking "poor," says family law attorney Linda Ravdin of the Bethesda, Maryland, law firm, Pasternak & Fidis. All that does, she says, is to leave your ex free to argue that your potential earning power is, say, $80,000 -- and what does a judge know about it? You should get a better settlement if you can show that you've applied for jobs and will probably earn much less. 7. Fight for health benefits, when you don't have your own group plan.If your spouse carried the family coverage, you can usually stay in that plan, at your expense (or your ex's expense, depending on the agreement), for up to three years. Don't let these benefits (called COBRA benefits) slip away. You have to apply within 60 days of your legal separation or divorce. 8. Get tax advice right from the start, if there's a lot of money at stake.You'll want to know what any proposed settlement is worth after tax. There are lots of tricks. For example, say that the child lives with the wife, who takes the child to day care so that she can work. The husband might pay her an amount equal to the day-care cost in the form of temporary alimony. That way, he can deduct the payments on his tax return. The alimony is taxable income to the wife, but she can offset it by taking the child-care tax credit on her return. 9. Get financial planning advice right from the start. How much will you need to support yourself? Can you cover the cost of the house, if you take it as part of the settlement, or should it be sold and the proceeds divided? Is your spouse proposing to give you the risky investments while he or she keeps the safer ones? A good planner will help you think through these issues during the negotiation. One source of advice: The Institute for Divorce Financial Analysts. 10. Put $$$ in your pocket by avoiding a battle with your spouse. In hard times, divorcing couples struggle for every dime. But the more you fight, the more of those dimes vanish in lawyer's fees. If there are no children and few assets, you can usually do the divorce yourselves, even if you're only speaking by email. Otherwise, try to reach a preliminary agreement before a lawyer comes into the picture. Consider a divorce mediation professional, or a collaborative divorce where couples and their lawyers agree in advance to bargain instead of going to court. For more information, check the International Academy of Collaborative Professionals or Divorcenet.com. Divorce, unlike marriage, lasts until death you do part. It's important to get the agreement right.
Getting along with the in-laws is never easy but it could be the secret to a long and happy marriage, according to new research. Husbands who enjoy a good relationship with their in-laws have a 20 per cent higher chance of avoiding divorce, an American study has found. However, the opposite is true for women. Wives who get on well with their in-laws are 20 per cent more likely to split up. According to researchers at the University of Michigan, women who enjoy the company of their in-laws may become too involved with their husband's family, to the point where wives believe their in-laws are meddling. Men do not share the same worries, which could explain the discrepancy between husbands and wives. Dr Terri Orbuch, a psychologist and research professor who led the study, said it's a positive aspect of a relationship if men get on well with their in-laws because "these ties connect the husband to the wife". However, women do not view relationships with in-laws in the same way, she said. "Because relationships are so important to women, their identity as a wife and mother is central to their being," she said. "They interpret what their in-laws say and do as interference into their identity as a spouse and parent." She added that wives should be wary of sharing details of their marriages so that boundaries are kept in place. The study at the University of Michigan's Institute for Social Research examined 373 same-race couples over a period of 26 years, beginning in 1986. All the couples were aged between 25 and 37 and had been married for a year or less when the study began. Dr Orbuch has followed them throughout their years of marriage. Source: http://www.businessinsider.com/in-law-relationships-and-divorce-2012-11?IR=T
