Commentary
Only fools rush in
“Let us be lovers, we’ll marry our fortunes together.”
Never have the lyrics from Simon and Garfunkel been more apt for same-sex couples. But, as Elvis sang, “Wise men say, Only fools rush in”!
In the early days of love, it is easy to rush in and get married without thinking about the financial consequences. However, after the glow of love subsides and the reality of marriage sets in, the financial complications could be significant for couples that have not thought through the ramifications or done advanced planning. Thanks to the Defense of Marriage Act, federal law and the IRS do not recognize relationships between same-sex couples; neither does the People’s Republic of Virginia, for that matter. As a result, where D.C. and Maryland laws overlap federal law, a new state is created — the state of confusion.
For example, there are no transfer taxes when adding a spouse to the title of your home. However, because federal laws do not recognize our relationships, adding a partner could trigger a gift tax of up to 35 percent in 2010 of the value of the equity.
Another complication that often arises is your tax filing status. Your federal taxes need to be filed as an individual. If you live in the District of Columbia you can file your D.C. taxes either jointly or as an individual. However, according to Equality Maryland, “In the past Maryland taxpayers have generally been required to file their tax returns using the same “single” or “married” status they use on their federal returns. Because of the discriminatory federal DOMA, married same-sex couples have had to file their federal returns as “single.” Further analysis will be needed to determine whether married same-sex couples can file their state returns jointly as married.”
So, what’s a newly married couple to do? Below is a list of frequently asked questions about the financial issues of marriage. Keep in mind that every situation is different, so speaking with a qualified adviser about your particular situation is recommended.
Should we get married?
The answer really depends on your goals. Marriage is a legal act and carries with it significant financial and legal obligations. It should not be entered into lightly. In situations where one partner is heavily in debt or has a serious health situation that may require the spending down of assets to qualify for state provided aid, marriage may not make sense.
Should we combine our financial assets like bank accounts or investment accounts?
Probably not. Thanks to the Defense of Marriage act, same-sex marriages are not recognized for the purposes of federal law. As a result, combining assets like financial accounts can trigger a federal gift tax of up to 35 percent when your partner withdraws funds in excess of the annual gift exclusion, which for 2010 is $13,000. This tax is payable by the giver.
Should I add my partner to the title of my home?
Again, probably not. This is a common mistake that many couples make. Adding a partner to the title of a home could create a federal gift tax of up to 35 percent in 2010 of the half of the equity. The tax is payable in the year the gift is made and paid by the homeowner. Secondarily, if the home has already appreciated significantly in value, you could also be creating a future capital gains problem.
Should we still get a will and other estate planning documents?
Absolutely. If your partner ends up in a Virginia hospital, your marriage may not be recognized. As a result, you could be denied access to visit your partner. Having medical powers of attorney and back up documents are important, as they will give you the authority to act in circumstances where your marriage is not recognized.
As mentioned earlier, for federal taxes, the law is clear: same-sex married couples can only file their taxes as single. For the state of Maryland it is still up in the air as there is no clear guidance on how to file taxes in the state. In the District, same-sex married couples can now file their taxes either jointly or as single.
Should we sign a prenuptial agreement?
There are many financial considerations for signing a prenuptial agreement. These situations typically arise when one of the partners brings significantly more assets to the relationship or makes appreciably more income. Some of the questions that ought to be asked, include: How will responsibility for the debts acquired before the marriage be paid? How will debts incurred during the marriage be divided? How will non-financial assets such as houses, automobiles, collections or artwork be divided? Are you both going to name each other as beneficiaries on life insurance policies and retirement assets such as 401(k)s, TSPs or IRAs?
Are there any other financial considerations we should consider?
Yes, federal estate taxes could be a future problem. Unless Congress acts, next year the federal estate laws change, exposing significantly greater numbers of same-sex married couples to the federal estate tax upon the death of a partner. Keep an eye out for next week’s article with more details about the impact of this.
This information is not legal or tax advice. Consult a professional regarding your specific tax and other potential legal obligations. Seek counsel from your own professional advisors when making tax, estate and/or financial planning decisions.
Joseph Kapp is a financial planner with Lincoln Financial Advisors Corp. Reach him at [email protected].
DC Agenda, Equality Maryland and the DC Center will sponsor a series of free estate and financial planning workshops to help local couples navigate new laws related to same-sex marriage. RSVP to Kevin Walling at [email protected] or 410-685-6567.
Join us in Baltimore, Silver Spring or Washington to learn more:
April 13, 7 p.m., 190 W. Ostend St., Suite 201, Baltimore, MD.
April 14, 7 p.m., 8720 Georgia Ave., Suite 303, Silver Spring, MD.
April 15, 7 p.m., 1330 Massachusetts Ave., NW, Washington, D.C.
Commentary
Please join me in supporting the Washington Blade Foundation
An important event impacting the LGBTQ community will be held on Sept. 12 in Rehoboth Beach, Del.
The event is a fundraiser for the Washington Blade Foundation. Whether you can join us in person, or just be with us from a distance, I ask you to seriously consider becoming a sponsor of this event. You may ask why should you care, why is this important, and how the Blade Foundation supports the LGBTQ community.
The event will feature an open bar, food catered by the Blue Moon, entertainment, and speeches from Blade staff along with remarks from Rehoboth’s Mayor-elect Susan Stewart and another surprise guest or two. You can buy tickets on Eventbrite; if you’re interested in sponsoring the event, contact Publisher Brian Pitts at [email protected].
The Blade Foundation was begun to ensure the history of our community, written in the pages of the Washington Blade, was archived, and never lost. That effort was a success thanks to the support of the DC Public Library. Now the Blade Foundation works to help ensure there will be future LGBTQ journalists working throughout the media, not just for the Blade. By funding interns and fellowships for LGBTQ journalism students, we help make that possible. By helping to fund the international news section of the Blade, the Foundation helps to keep the LGBTQ community around the world connected. In many countries where our community is either still not accepted, or worse, tortured, members of our community living in those places may only get news of their communities by reading the Blade online.
I know many of you reading this already know, the Washington Blade newspaper has been in existence, and reporting on the LGBTQ community, for more than 56 years. The paper’s reporting is done by those who are part of the community, and that makes a real difference. The paper is proud of its journalists, and the numerous awards they have won. One is Lou Chibbaro Jr., who recently was the subject of a documentary aired on PBS. He, and others like him, report the news honestly, without bias, but with fervor, because they actually live the stories.
In those 50-plus years since Stonewall, the Blade has been reporting on the progress our community has made. The steps forward, the stumbles, those allies who have worked with us, and those people who have tried to stop us from living our lives as who we were born to be. Again, the news is being reported by members of our own community. It is not others writing about us, but us, writing about ourselves. The Blade is followed by many mainstream media outlets, and stories that first only the Blade covered, ignored by mainstream media, were then picked up and reported garnering the widespread coverage they deserve. The Blade is the best place to find out about what the members of our own community are doing, and what others are doing to, and for, us.
It is sad that today the Blade has to report we are at a place in history where we are fighting just to keep the strides for equality we have made over the past 50 years. Because of that, it is even more important than ever, that the Washington Blade keeps publishing. Today, the Blade is the only LGBTQ news outlet with a dedicated seat in the White House briefing room. That is important for the Blade, and for all the members of our own community. It is important the Blade be where the action is.
The Blade’s international coverage helps us in the United States to understand where we can help those in our community who may be suffering and less fortunate, but also to celebrate with those who are even more free in many ways. The recent stories about World Pride in Amsterdam inspire us to fight even harder for our rights here, so we never again have a president who will work to keep our community from being all it can be. That we will never again have a President who threatens the lives of our trans sisters and brothers, threatens their healthcare, and throws our community’s heroes out of our military. Those news stories are important to write, and they often only get written about fully, in the Blade.
So again, I ask you to consider being a sponsor, and joining us in Rehoboth on Sept. 12. Or if you can’t be in Rehoboth, that you support our work from a distance, and support this important event. The Washington Blade Foundation is a 501c(3) non-profit. So, whether you are a business supporting the community, an individual ally, or a member of the community, please dig deep, and help to support the future of LGBTQ journalism, and future LGBTQ journalists. By doing so, you are supporting the future of the LGBTQ community. You can donate online at bladefoundation.org/donate.
Peter Rosenstein is a longtime LGBTQ rights and Democratic Party activist.
Africa
When home becomes a journey: migration, memory, and the African diaspora
People carry pieces of previous lives wherever they go
Sometimes I wonder whether home is a place or a feeling.
I have lived in places where I never imagined I would stay. I have crossed borders I never expected to cross and spent years in refugee communities where people wake up each morning wondering what the future will bring. I have known Kakuma Refugee Camp in Kenya, spent time in Zambia and South Africa, and now live in Gorom Refugee Settlement in South Sudan.
So, when I think about migration, I don’t think first about passports, borders, statistics, or immigration offices.
I think about people.
I think about the mother who leaves everything behind because she wants her children to survive. I think about the young person crossing a border with little more than a phone, a few clothes, and memories of a life that may no longer exist. I think about the refugee who has spent years waiting for a durable solution and still doesn’t know where they will eventually call home.
Migration is often described simply as movement from one place to another. But sometimes it is much more than that.
It can mean leaving behind a version of yourself.
Africa has always been moving
Africa’s migration story did not begin with modern refugee camps or today’s international borders.
People have moved across this continent for generations. They have followed trade routes, searched for pasture and water, moved for marriage, education and employment, escaped conflict, and built new communities elsewhere.
Migration has always been part of African life.
Today, people move for many different reasons. Some flee war and political instability. Others escape persecution or discrimination. Some leave because they cannot find work or see a future for themselves. Others migrate to study, find employment, start businesses, join family members or simply seek new opportunities. There is an important distinction here.
Not every African migrant is a refugee.
A refugee is someone forced to leave because returning home is unsafe. An asylum seeker is someone seeking protection and waiting for a decision on their claim. Exile can mean living away from one’s homeland, sometimes unwillingly. The diaspora is broader still: it includes people of African origin living outside their country or continent, whether they left by choice or were forced to leave.
These words matter because behind each one is a human story.
When leaving is not a choice
I know what it means when leaving is no longer a choice.
Forced displacement takes something from you that is difficult to explain. You may still have your memories, your language and perhaps a few possessions, but the ordinary things that once made life predictable can disappear.
You begin again.
Sometimes you begin again in another country. Sometimes you begin again in a refugee camp.
My experiences in Kakuma taught me that displacement does not necessarily end when you cross a border and reach somewhere safer. The uncertainty can continue for years.
Now, in Gorom Refugee Settlement, I see that uncertainty in the lives of people around me. Mothers worry about food and the health of their children. Young people wonder whether they will return to education. Others wait for resettlement or another safe pathway while trying to build a life with very limited resources. There is a strange feeling in waiting.
You are physically present somewhere, but mentally you may still be traveling towards a future you cannot see.

What happens to identity?
One of the hardest questions migration raises is: Who am I when I am no longer where I came from?
A person can cross a border in a few hours. Identity doesn’t move that quickly.
You carry your accent.
You carry your food.
You carry your mother’s stories.
You carry songs you heard as a child.
You carry the names of people who may never know where you ended up.
You carry memories.
And sometimes you carry pain.
I have met people who have lived in several countries and can no longer give a simple answer when asked where they are from. They may have been born in one country, grown up in another, lived in a refugee settlement somewhere else and now dream of resettling in a fourth.
Does that make them less African?
I don’t think so.
Perhaps it makes their identity larger.
Carrying Africa across borders
The African diaspora is sometimes discussed as though it were simply a population scattered around the world. I see it differently.
People carry pieces of home wherever they go.
An African family living in Australia, Canada, Britain, the United States, or elsewhere may still cook the food they grew up eating. They may speak their mother tongue at home, send money to relatives, listen to African music, support community projects and remain closely connected to events thousands of miles away. Migration doesn’t necessarily erase belonging.
Sometimes it creates several belongings at once.
The diaspora also contributes enormously to communities back home. Remittances help families pay school fees, buy food, build houses, access healthcare and start businesses. Migrants also carry knowledge, professional experience, ideas and connections that can benefit communities across borders.
A person may leave Africa physically and still spend much of their life contributing to Africa.
That matters.
The price of being a migrant
But migration has another side.
Not every new country means a new beginning.
For some migrants, the journey leads to racism, xenophobia, exploitation, or discrimination. People can be judged because of their nationality, accent, skin color, immigration status or refugee identity.
Others discover that qualifications earned at home are not recognized. A professional becomes a cleaner. A teacher struggles to find work. A skilled worker is told to start again.
There is nothing wrong with honest work. The problem begins when someone’s dignity is reduced because they are a migrant.
For refugees, bureaucracy can become another form of suffering. A person can become a case number, waiting months or years for interviews, decisions, relocation opportunities, or family reunification.
But life doesn’t stop while the paperwork continues.
Children grow older, parents become sick, people lose loved ones, birthdays come and go and still the waiting continues.
I sometimes wonder whether the people making decisions about migration fully understand how heavy that waiting can become for someone sitting on the other side of the process.
Women, children, and LGBTQ refugees
Migration does not affect everyone in the same way.
Women often carry enormous responsibilities after displacement. They may become the main providers for their children while dealing with their own trauma and uncertainty.
Children experience displacement differently. They may not fully understand why they had to leave home, but they understand the absence of familiar faces, schools and routines.
Young people face another difficult question: how do you plan a future when you don’t know which country you will be living in?
For LGBTQ refugees, the journey can be even more complicated. Some leave because the place where they were born no longer feels safe for them. They may have experienced rejection, threats, violence or discrimination before they ever reached a refugee settlement.
And yet, even in such circumstances, people create community.
In Gorom, LGBTQ refugees and asylum seekers come from different African countries and backgrounds. We don’t always agree on everything. But we understand something important: when the world has already made you feel unwanted, having people around you who understand your experience can mean everything.
Community can become another form of home.
Should borders decide our worth?
I understand why countries have borders. Countries have laws and responsibilities.
But I sometimes ask myself a simpler question: Should crossing a border change the value of a human life?
A child doesn’t become less deserving of food because they were born on the other side of a political boundary.
A mother doesn’t become less worthy of safety because she crossed without the right document.
A refugee doesn’t stop being a human being while waiting for an immigration decision.
From a Humanist perspective, this seems straightforward to me. Human dignity should not depend on nationality.
We can have immigration systems and still treat migrants with compassion.
We can protect borders without forgetting that the people standing behind those borders are human beings.
We can disagree about migration policy without dehumanizing migrants.
That balance isn’t easy. But perhaps that is exactly why we need more humanity in conversations about migration.
What does home mean now?
I have asked myself this question many times: Where is home?
Is it where I was born?
Where I first felt safe?
Where my memories live?
Or perhaps home isn’t always a geographical location.
Maybe home can be the people who stand beside you.
Maybe it is the language you speak when you are emotional.
Maybe it is the smell of food that takes you back to childhood.
Maybe, after so much has been taken away, home becomes something you slowly rebuild.
My birthday falls on Sept. 12. Birthdays usually invite us to think about another year of life. But for someone who has experienced displacement, another birthday can mean something deeper.
It means I made it through another year.
I am still here.
And I think about the many refugees who don’t know whether they will be safe long enough to celebrate their next birthday. I think about children growing up in camps who deserve to celebrate their birthdays in a home they can call their own.
That thought stays with me.
We are more than where we come from
Migration has taught me that people cannot be reduced to the countries printed on their passports.
We are our memories, our relationships, our struggles, our dreams, and our choices.
Africa’s diaspora is not simply a story of people leaving Africa. It is also a story of people carrying Africa with them.
And the refugee experience is not simply a story of loss. It is also a story of survival.
I don’t know where my own journey will eventually take me. Perhaps that is one of the things migration teaches us: we can make plans, but life sometimes writes a different story.
What I do know is that every person deserves the chance to live without fear, to love without persecution, to work with dignity, to raise children safely and to imagine a future.
Borders may separate countries.
They should never separate us from our humanity.
If migration has taught me anything, it is that home is not always the place we left behind. Sometimes home is the safe place we are still searching for.
And sometimes, while searching, we become one another’s home.
Commentary
When a church fears the rainbow
Puerto Rico pastor objected to Pride symbols outside congregation
There are moments when an incident stops being merely a local story and begins to reveal something much deeper. What happened on June 28 outside One Church, in Comerío, Puerto Rico, belongs in that category.
I do not know who painted the rainbow colors on the asphalt and on a roadside guardrail. I do not know what motivated them, and it is not my place to justify their actions. If someone believes a law was broken, there are authorities and legal mechanisms to address that. That is not the point of this reflection.
The point is the words that followed.
Hours after those colors appeared, Pastor Jorge J. Santiago Reyes went live on social media. He said he felt threatened. He described what happened as a physical attack against his church. He appeared angry and disappointed. He called those who painted the rainbow “cowards” and “charlatans.” He expressed frustration with the support that, according to him, the municipal government of Comerío has shown toward the LGBTQ community, and with those who support posts related to that community. He repeated several times that the people responsible had “crossed the line.” He ended his message by saying, “These charlatans have to be stopped.”
As I listened to his words, I stopped thinking about the paint.
I began thinking about fear.
There is one phrase the pastor repeated again and again: “They crossed the line.” Yet he never explained what that line was. If he was referring to a possible violation of the law, that is for the authorities to determine. If he meant respect for property, there are also procedures to deal with that. But when that line remains undefined and the message begins to associate a rainbow with a threat, the question changes. It is no longer only about a guardrail or a road. It becomes a question about what boundary, in the pastor’s view, was actually crossed.
Paint can be erased.
A brush can cover the asphalt and return a guardrail to its original color.
What does not disappear so easily is the meaning of those colors.
And perhaps that is where the real conflict begins.
It is significant that this happened precisely on June 28, the day when the LGBTQ community remembers a history marked by exclusion, violence, and the struggle for dignity. What represents memory, hope, and the possibility of living without hiding for millions of people was presented by others as a threat.
I do not know why someone painted that rainbow. I do not need to know in order to ask whether those were the words society should expect from a pastor.
A religious leader may feel hurt, frustrated, or angry. What he cannot forget is the responsibility that comes with every public expression. His words do not end when a livestream ends. They move beyond the space of his church, reach people who may never share his faith, and help shape the way others see those who think differently. When a pastor calls other people “charlatans” and “cowards,” says they “have to be stopped,” and turns a rainbow into evidence of an attack, he is no longer speaking only from frustration. He begins to build a discourse that can feed rejection toward a community far larger than the people responsible for that act.
There was another moment in the livestream that caught my attention. The pastor reminded viewers how much he has served Comerío, how much he has accompanied his community, and how much he has worked for it. I have no reason to question that service. I am sure many people can testify to the good he has done.
That is precisely why it was difficult to hear.
Pastoral vocation is not about reminding a town of everything one has done for it when conflict appears. Service does not lose its value when it goes unrecognized; it loses something when it becomes an argument to claim a moral position from which to speak down to others. A person who serves does so because that is the nature of the calling, not because that service grants authority to discredit those who think differently.
As a pastor, that part of the message left me deeply uneasy. Not because I expect ministers of God to be perfect. We are not. But because our words carry weight, we are called to speak with greater responsibility. Some expressions build bridges. Others raise walls. Some words invite encounter. Others end up justifying rejection.
The paint will disappear. A brush will be enough to cover the asphalt and return the guardrail to its original color.
The words will not disappear as easily.
They will remain recorded in a video, shared again and again on social media, and remembered by those who heard them. They will remain long after the last trace of paint has been erased.
When this episode is remembered, it probably will not be because of the rainbow that appeared outside One Church, in Comerío, Puerto Rico.
It will be because of the words a pastor chose to use when speaking about it.
And that difference changes everything.
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