Author Archives: Carl Arnold

About Carl Arnold

Divorce and Family Law Lawyer and Mediator in Northfield, Minnesota.

Families Not Included in “Affordable” Health Insurance, New Federal Rule

This will be an interesting year in learning how health care will change when 2014 gets nearer and we learn more about how the IRS will treat insureds and their families.  There was a recent decision by the IRS to only include employees–and not their families–in the definition of affordable health insurance under the new law.  That means that families may have to pay a lot of money for health insurance coverage and at the same time not qualify for the subsidies called for under Obamacare for insurance that is too expensive through employers.  From the New York Times:

In deciding whether an employer’s health plan is affordable, theInternal Revenue Service said it would look at the cost of coverage only for an individual employee, not for a family. Family coverage might be prohibitively expensive, but federal subsidies would not be available to help buy insurance for children in the family.

As insurance has increased faster than the pace of inflation and wages and salaries recently, more and more families have been unable to afford health insurance.  

For the entire article from the NY Times, click here.

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Gay Marriage on Agenda for 2013 Minnesota Legislative Session

When Republicans pushed to amend the Minnesota Constitution to ban gay marriage, I would have liked to have heard whether anyone in the room thought to speak up and say hmmm…, are we going to lose and in the process of losing create a massive, grass-roots organization of gay rights supporters that will then pass gay rights legislation in the next legislative session?  I’m thinking that everyone was so overconfident that they never gave that a serious thought.  Well, that’s fine with me, because it is about time we had a conversation about whether it is right to deny committed gay relationships the legal recognition that they deserve.

Here’s an article on the upcoming gay marriage push in the 2013 Minnesota Legislature titled Minnesota’s Marriage Fight Will Flare Anew at Capital.

From the article:

Both sides of the marriage amendment fight are reuniting their troops as they prepare for what is rapidly emerging as the next frontier in the battle — a push to legalize same-sex marriage in the Legislature.

“Our intention is to make sure gay and lesbian couples have the freedom to marry after the 2013 legislative session,” said Richard Carlbom, campaign manager for Minnesotans United for All Families. The group is reconfiguring its operation that defeated the proposed marriage amendment on Election Day.

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Are DANCOS Unconstitutional? (DANCO = Domestic Abuse No Contact Order)

Well, this is really interesting from a legal perspective and it sure has huge implications for victims of domestic violence, law enforcement and those against whom Domestice Abuse No Contact Orders (DANCOS) are enforced in Minnesota.  There is a news segment on MPR News about how the issue of whether a court issuing a DANCO without any due proces to the person against whom they would be enforced is unconstitutional, and therefore any resulting DANCO violation is void.  This is a big deal!

From the article:

The Minnesota Supreme Court has agreed to consider the constitutionality of a state law designed to protect the victims of domestic abuse.

An attorney for Bryan Ness is challenging the law, which allows judges to impose domestic abuse no-contact order s that prevent someone suspected of abuse from contacting the victim.

Authorities say Ness, 33, struck his wife in the head several times during a January 2011, argument at their Moorhead apartment. When he appeared in court the next day to face charges for the assault, a Clay County judge ordered him not to have any contact with his wife.

Such court orders are popular with prosecutors. According to court records, Minnesota judges issued nearly 11,000 DANCO orders last year.

The news segment (audio and text) is found here” “Law Protecting Domestic Abuse Victims Challenged in [Minnesota] State Supreme Court“.


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Gay Men Feel Pressure to Add Children to their Family

First comes love, then comes marriage, then comes a baby in a baby carriage, right!?  We’ll for many gay men, the pressure is on to add children to their newly formed and now many times legally recognized relationships.  The subject is covered in a New York Times article titled: Male Couples Face Pressure to Fill Cradles.  It has always been easier for female same sex couples to have children, but there is an increasing trend (and pressure, some feel) for male couples to add children to their families.

From the article:

Between 2000 and 2010, among same-sex couples raising children, the percentage of couples with adopted children increased to 20 percent from 9 percent, according to an analysis by Gary Gates, a demographer at the Williams Institute at the University of California, Los Angeles. (Most same-sex couples with adopted children are lesbians, but gay men make up a growing share, accounting for nearly a third of such couples in 2010, up from a fifth in 2000.)

…But some gay men who have no plans to have children view the shift as something of a mixed blessing. On one hand, they welcome the sense of inclusion that comes with always being asked about children. On the other hand, they are always being asked about children.

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Cost of Raising Children – Sobering/Mind-Boggling

Well, in case you didn’t already know that it costs a lot to feed and house a child (not to mention the activity fees, etc.), here is a sobering poster that details the cost of raising a child.  Don’t get too depressed!

Costly Kids
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Daisy Camp – upcoming divorce education classes

It’s time for another update on upcoming Daisy Camp divorce education classes!  The weekend retreat is scheduled as follows:

9.14.2012 – 9.16.2012 “Daisy Camp WEEKEND Retreat”
Location: Hotel Location TBD
Cost: $ 325(full weekend) $150 (Saturday Only)
Scholarships are available
Time: 9:00a.m. – 5:00p.m.
Call Molly to RSVP 952-405-2060 or email:
Here is the whole list of available classes:
  • April 26th – Financial Concerns/Tax Advantages for Divorcing Families
  • May 8th Commitment to Me
  • May 19th – Daisy Camp Day Retreat
  • May 22nd – How to Protect Your Children’s Needs
  • June 12th Commitment to Me
  • June 19th – Managing Your Emotions in the Divorce Process
  • July 10th Commitment to Me
  • August 9th – Back to School; Keep it cool with Co-Parenting tips
  • August 14th Commitment to Me
  • Septmember 11th Commitment to Me
  • September 14 – 16th Daisy Camp WEEKEND Retreat
  • September 27th – Divorce Options
  • October 9th Commitment to Me
  • October 15th – Financial Concerns/Tax Advantages for Divorcing Families
  • November 9th 2012 Daisy Camp Day Retreat
  • November 29th – How to Protect Your Children’s Needs
For more information contact Daisy Camp at 952-405-2060 or

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Finances in Divorce, Consider Consulting with a Certified Divorce Financial Planner

I ran into an article titled “What Does a Divorce Financial Planner Bring to the Table?”.  The article is written for a reading audience of professional Certified Financial Planners but for the rest of us it is a helpful summary of what a Certified Divorce Financial Analyst can do for a divorcing person and a divorcing couple.

From the article:

I have spoken to individuals who will not get a divorce because they fear the financial consequences. They find it more appealing to stay in an, at best, unhealthy or, at worst, abusive relationship rather than become a “bag lady” or “bag man.” The recent drawn-out recession is only making things worse as two households struggle to survive on the same dollars that used to support just one.
In comes the divorce financial planner. A divorce financial planner is trained and knowledgeable about your state’s divorce laws as well as personal financial planning. They are fee-only planners who work within the context of the legal divorce process. The most prevalent designation for training is the Certified Divorce Financial Analyst™ (CDFA™). Working with a financial divorce expert can help preserve a family’s finances—which is crucial today more than ever.

Here’s a link to the article “What Does a Divorce Financial Planner Bring to the Table?

If you’d like to learn more about how to find a Divorce Financial Analyst or how one might be helpful to consult in your divorce, give us a call at Arnold Law and Mediation.

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