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9 Reasons Baby Boomers Are Choosing Cohabitation Over Marriage

boomers cohabitation over marriage

In recent years, there has been a noticeable shift in relationship dynamics among Baby Boomers. Traditionally known for embracing the institution of marriage, an increasing number of Boomers are now opting for cohabitation over tying the knot. A study from the National Center for Family and Marriage Research at Bowling Green State University in Ohio found that cohabitation has more than doubled in older adults over the last decade. This trend marks a significant departure from societal norms established decades ago. Let’s explore nine reasons why Baby Boomers are favoring cohabitation as their preferred relationship arrangement.

1. Freedom from Traditional Expectations

boomers choosing cohabitation

 

Baby Boomers grew up during a time when marriage was often viewed as the ultimate goal in life. However, as societal attitudes have evolved, many Boomers are redefining what happiness and fulfillment mean to them. Cohabitation provides the companionship and intimacy they desire without the perceived constraints of marriage.

2. Financial Considerations

freedom from expectations

For some Baby Boomers, especially those who have been through divorce or experienced financial setbacks, cohabitation offers a practical solution. Sharing living expenses and assets without the legal entanglements of marriage can provide a sense of financial security while maintaining autonomy.

3. Flexibility in Relationships

boomers cohabitation

Cohabitation allows Boomers to tailor their relationships to fit their individual needs and preferences. Without the formalities of marriage, couples can negotiate the terms of their partnership more freely, whether it involves living arrangements, shared responsibilities, or future plans.

4. Prioritizing Personal Growth

boomer couple

As they enter their later years, many Baby Boomers are focusing on personal growth and self-discovery. Cohabitation offers the opportunity to cultivate individual interests and pursue lifelong passions while still enjoying the companionship of a partner.

5. Avoiding Legal Complications

avoiding legal complications

Divorce can be a complex and emotionally draining process, particularly for older couples with accumulated assets and familial responsibilities. Cohabitation provides a level of emotional security without the legal complexities and potential financial implications associated with divorce.

6. Embracing Non-Traditional Family Structures

nontraditional family

The concept of family has evolved over the years, and Baby Boomers are increasingly embracing non-traditional family structures. Cohabitation allows couples to create their own definition of family, whether it includes biological children, stepchildren, grandchildren, or chosen family members.

7. Focus on Companionship

companionship

For many Baby Boomers, companionship is the primary motivation for entering into a cohabiting relationship. Whether they have been widowed, divorced, or never married, cohabitation offers the opportunity to share their lives with someone without the pressures or expectations often associated with marriage.

8. Maintaining Independence

boomer hobbies

Cohabitation allows Baby Boomers to maintain a sense of independence and autonomy while still enjoying the benefits of a committed relationship. Couples can retain their individual identities, hobbies, and social circles without feeling stifled by the constraints of marriage.

9. Changing Social Norms

changing norms

As societal attitudes toward relationships continue to evolve, cohabitation has become increasingly accepted among older adults. Baby Boomers are less bound by traditional expectations and are more willing to explore alternative relationship arrangements that align with their values and lifestyle choices.

Making The Decision

cohabitation over marriage

The decision to choose cohabitation over marriage among Baby Boomers reflects a broader shift in societal norms and individual preferences. Whether driven by personal, financial, or social factors, cohabitation offers a viable and fulfilling option for older adults seeking companionship and connection in their later years. As the landscape of relationships continues to evolve, it’s clear that Baby Boomers are redefining what it means to love and live together in the 21st century.

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Unleashing Creativity: The Rise of Custom Coloring Books

 

Understanding the Coloring Book Renaissance

Adult coloring books have become extremely popular in recent years, offering an opportunity for creative relaxation techniques amidst our hectic lives. These books offer more than just intricate designs; they provide a meditative experience that helps manage stress and promote mental well-being. People are drawn to it because it allows them to disconnect from technology and engage in a more tangible and fulfilling activity.

Personalization in the Mix

Custom coloring books have diversified to encompass a wide array of themes. A survey of available options unveils books designed for corporate team-building exercises, intimate personal memoirs, educational journeys, and much more. This diversity in themes underscores the expansive reach of these tailor-made creations—they have moved beyond the children’s section of bookstores and now feature prominently across various industries and personal interests. Moreover, the availability of coloring book printing services has significantly contributed to this trend. These services allow individuals and organizations to translate their unique visions into tangible products easily. Whether for a small, personal project or a large-scale corporate initiative, these printing services offer the flexibility to produce high-quality, custom coloring books that cater to any theme or purpose. This accessibility has played a crucial role in the proliferation and popularity of personalized coloring books, making them a versatile tool for expression, learning, and engagement across a broad spectrum of audiences.

Designing Your Coloring Book

Creating a coloring book that brings your ideas to life through captivating illustrations is a personal journey that starts with identifying themes that resonate with you. These themes can be linked to self-expression, hobbies, or social causes. The key is to artfully blend storytelling and visual artistry to weave these themes into the essence of the coloring book. Designers and creators must balance artistic vision with practical coloring considerations. They need to design images that strike the perfect balance of challenge – not so intricate that they cause frustration, but detailed enough to remain engaging. Integrating art in this process is essential to transform ideas into the captivating visuals that define the coloring book.

Choosing the Right Printing Service

There is a discerning choice to be made when it comes to selecting a printing service for your custom coloring book. The quality of a coloring book’s pages, the durability of its binding, and the clarity of its prints are essential components that significantly impact the consumer’s experience. It’s crucial that the paper isn’t too thin (to avoid bleed-through from markers) and is textured enough to hold the color from crayons or pencils.

While local printers may offer the advantage of direct interaction and the ability to physically inspect mock-ups, online printing platforms have revolutionized the industry with their convenience and scalability. For those seeking to mass-produce or distribute their coloring books, online printing services provide many advantages, from custom quotes to direct shipping. It’s no wonder that, in an era marked by digital innovation, creators are increasingly turning to reputable online services.

Marketing Your Custom Coloring Book

The marketing of custom coloring books is as much about telling a story as it is about the book itself. To promote your book successfully, you need to connect with your audience, share the story behind your design, and explain why coloring your book is an experience worth having.

It is helpful to use digital marketing, mainly social media platforms, which are visual and artistic. It allows creators to showcase their work effectively. Participating in craft fairs, book expos, or local events can also benefit those who prefer a personal touch. Books marketed in this way gain visibility and come with the added value of direct creator-to-customer interactions.

It’s wise to tap into the networks of coloring book communities, leveraging influencer collaborations and user-generated content to foster buzz and credibility. Through creative marketing strategies that invite participation and interaction, custom coloring books can carve out a niche for new and engaging content in an ever-hungry market.

Integrating Technology with Creativity

Combining technology and creativity has opened up new opportunities for coloring book enthusiasts and creators. With the help of pen tablets and graphic design software, artists can create their work with intricate precision, make easy edits, and share their creations worldwide with just a click of a button.

Digital platforms facilitate the creation and sharing of designs and allow users to customize their coloring experience. A person can print a single page several times, testing out color schemes or simply re-enjoying the act of coloring their favorite page. In light of this flexibility, some creators offer their work in digital format, expanding the reach and accessibility of their art.

Many creators also harness the power of digital tools to maintain direct communication with their audience—gathering feedback, crowd-sourcing ideas for new designs, and keeping the community engaged and invested in the process. This interaction can be particularly influential in shaping the future of individual coloring book series or standalone pieces, ensuring they remain attuned to the evolving preferences of the coloring book connoisseur.

Future of Coloring Books: A Look Ahead

The world of custom coloring books is expanding rapidly as technology advances, providing new ways for creation, interaction, and enjoyment. For instance, augmented reality (AR) can revolutionize the coloring experience by allowing colorers to see their art come to life on the page via smartphones or AR glasses. This immersive experience could transform coloring from a solitary activity into a multi-dimensional, shareable event. As gaming and educational technology continue to evolve, the future of coloring books may include deeper narratives and interactivity to engage users. The industry is on the brink of transformation as it explores the intersection of tangible and digital experiences. Innovators in the field, like popular coloring book apps, are already demonstrating how technology can elevate the timeless activity of coloring.

Ways To Negotiate IRS Tax Debt

Taxes remain one of the biggest certainties of our lives and yet, each year, there are a large number of people who owe to the Internal Revenue Service (IRS). Despite knowing that we are liable to pay taxes on our income annually, many do not understand the maxim. If you fall behind the income tax payment, you could be in a difficult situation. It is easy for the government to hit you with a bill and you will have no way to escape. The longer you delay, the worse your consequences. 

However, the IRS does come to a deal with those taxpayers who can show that they did not pay the taxes as they didn’t have money. They weren’t cheating on the government. If you want to settle the tax debt but are genuinely strapped and cannot pay what you owe, there are options you can consider. Learn all about the options and then choose the best strategy for you. One thing to remember is that the attempt will not always be successful and everyone is not eligible to try. 

How does a tax settlement work?

Tax settlement is a form of negotiation where the dispute between the IRS and the taxpayer is resolved and the outstanding amount of debt is reduced. You can create a payment plan to meet the obligations over time. The IRS wants its money but when you can convince them that you do not have enough to pay the entire amount, they understand that something is better than nothing. 

An expert for tax audit Services from CST-CPA states, “The biggest benefit to a successful tax settlement is that you pay less than what you owe. It will avoid a tax lien and will keep the IRS from wage garnishment. If you can avoid these two things, you are already in a much better position and can protect your credit score.” In case you are unable to pay the government what you owe, the best alternative is a tax settlement.

Eligibility for tax settlement  

When you opt for a tax settlement, you have to convince the IRS that you have already tried everything possible to meet your obligations and yet failed. You could also prove that the reason you failed is because of the circumstances that were outside your control. If you can do this, there is a chance that the IRS will be convinced and will work with you. To determine your eligibility, the IRS will examine your assets and income against your expenses. This will help establish your financial state. It will then decide how much you could pay monthly towards the tax bill. If the amount is less than the outstanding liability, you have opportunities for a settlement. However, if you already have a bankruptcy filing pending, you will not be eligible for a tax settlement.  

Ways to settle the IRS debt

Here are the basic ways you can handle the outstanding tax liability with the IRS.

Installment plans  

An installment plan works like a home mortgage where instead of paying the lender, you pay the IRS monthly. It is an agreement you enter into with the IRS but qualifying for a plan is not easy. If the arrears are over $50,000, then the IRS will not deal with you. However, if you have filed past tax returns and meet the debt criteria, the IRS could arrive at a monthly payment. 

Offer in Compromise 

The IRS could consider a settlement where you can pay a reduced amount of what you owe in taxes. Known as an offer in compromise, you will have to convince the IRS that you cannot afford to pay the amount you owe and instead, offer to pay a reduced amount in instalments or a lump sum. You can file a form proposing a compromise and pay a filing fee. It will require you to share all the information about your income, spending, assets, and the equity you have in your investments. The IRS will consider your sources of credit and net worth before deciding. That said, you cannot apply for a compromise if you already have an open bankruptcy filing.

Innocent Spouse program

If you file a joint tax return with your partner, you will be responsible for underpayment. However, there is relief for separated and married couples if the spouse hides the tax liability from the other. Whenever a partner can show that the other has not reported income or has reported income inappropriately, the one who was misled will be able to seek relief from their tax liability. However, to qualify for the relief, it is important to show that the spouse has misled you by not reporting the income or taking credits that they weren’t liable for. 

It is advisable to seek help from a professional to choose the right strategy. 

 

Comfort Zone or Stagnation? 13 Signs Your Marriage Needs a Wake-Up Call

marriage wake-up call

Marriage is a journey that evolves over time. What begins as a whirlwind romance can sometimes settle into a comfortable routine, but there’s a fine line between contentment and stagnation. While it’s natural for relationships to ebb and flow, it’s essential to recognize when your marriage might need a wake-up call. Here are 13 signs to watch out for.

1. Lack of Communication

lack of communication

When conversations become superficial or infrequent, it can indicate a deeper problem. Communication is the cornerstone of a healthy relationship, and its absence can lead to misunderstandings and resentment.

2. Repetitive Arguments

arguments

Do you find yourselves having the same arguments over and over again without resolution? It could be a sign that underlying issues need to be addressed rather than continually swept under the rug.

3. Emotional Distance

emotional distance

Feeling disconnected from your partner emotionally can create a sense of loneliness within the marriage. If you find yourself withdrawing or your partner seems emotionally unavailable, it’s time to reevaluate the state of your relationship.

4. Lack of Intimacylack of intimacy

Physical intimacy is an essential aspect of marriage, but it’s not just about sex. A lack of affection, cuddling, or meaningful touch can signal a deeper emotional disconnect. There a variety of factors that contribute to lack of intimacy including, stress, life transitions, health issues, mismatched libido and low self-esteem. It’s important to talk to your partner about what you need in terms of intimacy to make sure you are both on the same page.

5. Secrets and Lies

secrets and lies

Trust is the foundation of any relationship, and secrecy erodes that foundation. If you or your partner are keeping secrets or lying about significant matters, it’s a clear sign that trust has been compromised. Ultimately, your marriage can’t survive without trust.

6. Feeling Unappreciated

marriage wake-up call

Do you feel taken for granted in your marriage? When gestures of appreciation and acknowledgment become rare, it can lead to feelings of resentment and dissatisfaction.

7. Individual Growth Stifled

growth stifled

A healthy marriage should support individual growth and personal development. If you feel like you’re unable to pursue your passions or interests because of your relationship, it may be time to reassess your priorities.

8. Financial Strain

financial strain

Money problems can put a significant strain on a marriage. It’s estimated that financial problems contribute to 20-40% of all divorces. Whether it’s overspending, financial secrets, or disagreements about budgeting, unresolved financial issues can lead to tension and conflict.

9. Parenting Conflicts

parenting conflicts

Differences in parenting styles can create friction between partners, especially when it comes to important decisions about raising children. Finding common ground and presenting a united front is crucial for a harmonious family dynamic.

10. Loss of Shared Goalsmarriage wake-up call

Over time, couples may drift apart if they no longer share common goals or dreams for the future. It’s essential to periodically revisit your shared vision and make adjustments as necessary to ensure you’re still moving forward together.

11. Escapismescapism

Turning to external sources such as work, hobbies, or substances to avoid dealing with marital issues is a red flag. Escapism only serves to postpone addressing underlying problems, allowing them to fester and grow.

12. Criticism and Contempt

criticism

Constant criticism, sarcasm, or contemptuous behavior towards your partner can be toxic to a marriage. It’s important to address underlying issues constructively rather than resorting to destructive communication patterns.

13. Fantasizing About Life Without Your Partner

marriage wake-up callIf you find yourself daydreaming about being single or fantasizing about a life without your partner, it’s a clear indication that something is amiss in your marriage. This a tell-tale sign that your marriage needs a wake-up call.

Revitalizing Your Relationship

marriage wake-up call

Recognizing the signs that your marriage may need a wake-up call is the first step towards revitalizing your relationship. It’s essential to approach these issues with honesty, openness, and a willingness to work together to overcome challenges. Seeking professional help from a therapist or counselor can also provide valuable support and guidance as you navigate through rough patches. Remember, a healthy marriage requires effort, commitment, and a willingness to grow together.

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