Diversions July 3, 2014

Best Cities for July 4th

Did you think freedom is free? On the 4th of July, everything from the food and beer to travel and fireworks costs big.
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Check out WalletHub’s survey of the 100 largest U.S. cities, based on a comparison that balances fun and cost, to find the best Independence Day deals. Tip: consider starting in California. Seven cities made the Top 15 list.  

To arrive at your ideal 4th of July spot, decide what is most important. For instance, Richmond, Virginia, takes top spot overall. Its ranking for food and entertainment is No. 3, but it takes 20th place in attractions, recreation and outdoor activities, and 31st place for the weather forecast. The top spot in food and entertainment goes to Glendale, Arizona, which ranks 33rd for overall best cities.Best weather is a four-way for Portland. Oregon, and three California cities (see below). 

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The top 15 cities overall are:

  1. Richmond, Virginia;
  2. Irvine, California;
  3. Cincinnati, Ohio;
  4. Oakland, California;
  5. Washington, District of Columbia;
  6. Fremont, California;
  7. San Bernardino, California;
  8. Irving, Texas;
  9. Long Beach, California;
  10. Riverside, California;
  11. Plano, Texas;
  12. St. Louis, Missouri;
  13. Santa Ana, California;
  14. Garland, Texas; and
  15. Pittsburgh, Pennsylvania.

 

Poor Durham, North Carolina, gets the dubious distinction of being the worst place to spend the Fourth, scoring a dismal 70 in food and entertainment; 94 in attractions, recreation and outdoor activities: and 99 in the weather outlook.

Starting from last-ranked, the worst cities for the Fourth are:

  • Durham, North Carolina;
  • Anchorage, Alaska;
  • Greensboro, North Carolina;
  • Lubbock, Texas; and
  • Toledo, Ohio.

The survey also spotlights best cities by amenities, such as best weather, number of restaurants or swimming pools per capita. If the number of arts and entertainment venues is important to you, Jersey City, New Jersey, might be the place for you. On the other hand, if the lowest average price for beer and wine is what you’re after, Milwaukee, Wisconsin, might just be calling your name.

Best weather forecast for July 4th, all tied for first place:

  • Portland, Oregon;
  • Irvine, California;
  • Santa Ana, California; and 
  • Long Beach, California.

Most accommodations and food-service establishments per capita:

  • Jersey City, New Jersey;
  • Newark, New Jersey;
  • San Bernardino, California;
  • Irvine, California; and
  • Riverside, California.

Cheapest three-star hotels:

  • Jacksonville, Florida;
  • Glendale, Arizona;
  • Richmond, Virginia;
  • Louisville, Kentucky;
  • Tulsa, Oklahoma; and
  • Orlando, Florida.

Lowest average price for beer and wine:

  • Milwaukee, Wisconsin;
  • Indianapolis, Indiana;
  • Omaha, Nebraska;
  • Denver, Colorado; and
  • Aurora, Colorado.

Most arts, entertainment and recreation establishments per capita:

  • San Bernardino, California;
  • Irvine, California;
  • Jersey City, New Jersey;
  • Riverside, California; and
  • Santa Ana, California.

Cities with the most swimming pools per capita are :

  • Cleveland, Ohio;
  • Cincinnati, Ohio;
  • Pittsburgh, Pennsylvania; 
  • Washington, District of Columbia; and
  • Tucson, Arizona.

Experts added that some of the biggest wastes of money on July 4th include fireworks, because community organizations readily offer these without charge to be enjoyed by the entire community; pre-made party items (be creative and make celebration items out of materials you find at home; and thinking that you have to attend a professional sports event to have a good time.

Compliance July 2, 2014

Same-Gender Partnerships Now Marriages in Washington State

In Washington State, same-sex domestic partnerships were automatically converted to marriages as of June 30.
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Referendum 74, passed in November 2012, updated state law—specifically Chapter 26.60 RCW, State Registered Domestic Partnerships—so that any state registered same-sex domestic partnership in Washington State where neither party is 62 years of age or older, was automatically converted into a marriage as of June 30, 2014, unless dissolved or converted to marriage prior to that date. (More information about civil unions and domestic partnership statutes nationwide can be found on the website of the National Conference of State Legislatures.)

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According to an alert from law firm Davis Wright Tremaine, this will impact retirement plans, beneficiary designations and health care plans.

When it comes to retirement plans, same-sex spouses now have the same rights as opposite-sex spouses in Washington State, so that, for example, a same-sex spouse:

  • Must consent to any beneficiary designation other than for the same-sex spouse;
  • Has spousal rights under the annuity rules;
  • Must consent to loans under plans subject to the annuity rules;
  • Has more favorable treatment under the required minimum distribution rules regarding timing and value of benefits;
  • May roll over benefits to the same-sex spouse’s own individual retirement account (IRA) or another retirement plan;
  • Has alternate payee status under a qualified domestic relations order (QDRO) without being a participant’s dependent; and
  • May experience an event that qualifies the participant for hardship distributions from a defined contribution retirement plan.

With existing beneficiary designations under retirement plans, the alert explains that as of June 30, existing non-spouse beneficiary designations made by affected employees will no longer be valid. To preserve those non-spouse designations, the employee must complete a new designation form, with the same-sex spouse’s consent to the non-spouse beneficiary.

For example, if an employee named his or her child as primary beneficiary under his or her employer’s qualified retirement plans, and as of June 30 his or her Washington State registered domestic partnership converted to marriage, the new spouse automatically becomes his or her beneficiary, and the former designation of his or her child as primary beneficiary is no longer valid. To reinstate the former beneficiary designation, the employee must re-submit the form with his or her child named as primary beneficiary, and have his or her new spouse provide the appropriate consent.

For health care and welfare plans, this new provision of Washington State law means the same-sex spouse may receive health benefits on a pre-tax basis and will be eligible for special enrollment rights under the employer’s group health plans.

In terms of whether employers are required to provide health and welfare benefits to same-sex spouses, the alert says yes, if it is an insured plan. More information about this aspect of the law, as well as related information about self-insured plans, can be found on the website of the Washington State Attorney General’s Office.

Additional information about this new state legislation can be found here and here.

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