Getting married is the greatest day for 50 percent of couples. The other 50 percent get divorced. Perhaps the marriage tax penalty has something to do with it.

Family Values – Hardly

For all the chatter from politicians about family values, it is ironic that the tax code actually penalizes people for getting married. At its heart, the tax code is designed to modify behavior. Deductions and credits are given in areas the politicians wish to promote and taken away in areas considered less positive. Home ownership is viewed as a good thing, so mortgage interest is deductible. Cigarettes are bad, so they are taxed like no tomorrow. If you buy this argument, one must wonder why married couples suffer under the tax code.

A recent study found that by getting married, couples are forced to pay roughly $1,500 in additional taxes. Known as the marriage penalty, one must wonder what the government is up to. Is it trying to promote family values or not? The numbers would seem to indicate not.

The marriage penalty is a nasty little development for newlyweds. The penalty occurs because married couples must pool their earnings when they report taxes. Typically, this means their pooled earnings move them into a higher tax bracket and they pay more taxes. For instance, assume husband makes $45,000 a year as does wife. As a married couple, their pooled income is $90,000 with the accompanying tax consequences. For really doomed couples, the combined income will actually kick in the alternative minimum tax. The AMT more or less voids many major deductions. In the tax industry, there is a nickname for this situation – the divorce tax.

The marriage penalty has existed for years, yet the politicians have failed to find a fix. They pay lip service to the idea, but no major changes have been made to fix the problem. The best they have come up with is doubling the standard deduction for married couples, but this has had little impact since most couples itemize their deductions.

It appears the marriage tax penalty is here to stay for the foreseeable future. One has to wonder why our family values President didn’t include a fix in his tax cuts.

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There’s good news for the increasing number of American couples who are living together as a prelude to-or substitute for-marriage. There are nearly 6 million such couples in the U.S., according to census data, and recently strides have been taken to recognize these relationships.

The reasons for cohabitation are as varied as the people themselves. For example, many are testing the waters before making a marriage commitment. Others feel that marrying isn’t appropriate for their relationship or are unable to, or they are widowers who will lose survivor benefits if they remarry. However, while cohabitation offers many conveniences, these couples also face limited legal rights and financial vulnerability.

For that reason, cohabitating couples have unique legal needs. Marriage entitles a couple to certain legal rights and protection in most common situations. On the other hand, if a couple is cohabitating and their financial accounts, loans, or place of residence are listed under one person’s name, the other can be left without any support or protection in the event of an emergency. New privacy laws make it more important than ever to be certain that, as domestic partners, you have access to critical information and the legal ability to act as your partner’s advocate when the unexpected happens.

“The fact is, marriage is not an appropriate or attainable arrangement for all couples, but this doesn’t mean cohabitators can’t legally validate their situation,” said Michael Orlowitz, a Financial Advisor with Smith Barney. “By setting forth and solidifying intentions relative to particular issues on paper, unmarried couples may be able to strengthen their financial positions regardless of marriage.”

Now you can do that on your home computer. Muses Products’ “Legal Guide to Living Together” is the first legal software designed specifically for domestic partners. The software provides more than 150 documents to help you choose which rights to share with your partner. Areas covered include health care, finances, taxes, child-related matters, insurance, household arrangements, dispute resolution and even pet ownership.

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Almost half of all marriages end in divorce. That is why there is an increase in couples seeking marriage counseling. Nobody wants to think that the marriage they are in will end. Marriage counseling offers a way for couples to work thorough problems with an outside influence. Marriage counseling can help couples to rebuild a marriage that was on the way to divorce.

Marriage counseling is a type of therapy that helps married couples resolve problems they may be having in their marriage. Most often counseling is conducted with both partners present. However, sometimes there will be individual sessions depending on the couples needs. The basis for marriage counseling is research that has shown problems in a marriage are best solved through communication and working together. Marriage counseling usually lasts a short period of time, until the problems are resolved and the marriage is back on track and the couple can handle problems on their own. In a session the counselor will ask questions, listen and analyze problems. The counseling usually starts with an analysis of the marriage and its problems. Then the problems are worked through to an amicable conclusion.

Marriage counselors are trained in psychotherapy. They also have an understanding about families, how to understand client’s needs and problems. They also have training that allows them to help clients work through the problems to reach conclusions. All of this training lets them be able to identify underlying problems. A good marriage counselor will not make a client feel guilty or blame. They will teach clients to work through problems and get over bad feelings.

Marriage counseling can help couples open the lines of communication. Communication has been shown to be the key to a healthy and happy relationship. Couples with problems seek marriage counseling o get a better understanding of what has went wrong in their marriage, so they can once again have a string marriage.

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If you’re a couple looking for the perfect holiday destination, Jamaica is a great choice. With miles and miles of beautiful beaches, romantic ambiance and great food the real world may seem over half a world away.

Many of the hotels in Jamaica are classily designed to create a relaxing atmosphere for your vacation, and some of them are exclusive to couples only so you’ll find the emphasis is on romance rather than kids’ clubs and nightly singles specials!

At White Sands in Negril even the name suggests serenity and this is matched by the ambience of the hotel. Situated on one Negrils more secluded beach corners this hotel is located near to the city and yet offers good accommodation at affordable prices for those couples who prefer a quiet vacation. Couples can enjoy either spacious one bedroom apartments or deluxe rooms depending on their budget.

The Jamaica Inn, Ocho Rios has cottages set up on a bluff with stunning ocean views. With their tastefully decorated blend of Jamaican/Indonesian styles, the cottages are private but they are close to the main Inn building so that couples can use the amenities there if they desire. Honeymooners may be interested in the Blue Cottage which is part of the Jamaica Inn complex, but is a one-bedroom cottage on the beach!

One of the most popular “chain” resorts that caters only for couples is Sandals. Located in seven different locations around Jamaica, you’re sure to find a Sandals resort that offers you not only the amenities and privacy you want for your romantic couples vacation, but also have it in an area surrounded with activities and places that you want to experience together. Sandals is also experienced in helping couples get married so if you’re intending to be married – or it’s just something that comes up and you’ve got the necessary paperwork – their staff will be able to help you plan a special day!

Couples vacation in couples only resorts for many different reasons. Sometimes it’s because they prefer the company of other couples, occasionally it could be because they find it awkward or embarrassing to be seated at a table with single people, or it could be that they’ve finally escaped their own children and don’t want to be bothered with someone else’s. Whatever the reason you’re choosing a couples only holiday, you’ll have a great time in Jamaica.

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