How to debunk a church marriage: procedure, reasons, grounds

1. Property equivalent value.
2. Cash (in nominal terms).

At the same time, the holder of this security has the right to receive interest on the face value.
The percentage here is determined by the coupon. By the way, income on such securities is usually divided into 2 parts:

1. Coupon profit.
2. The difference between redemption and acquisition (speculative).

By the way, there are many bonds on the market that are linked by interest rates to other indicators. This is called a floating interest rate. In this case, the bond rate may be tied to:

1. Refinancing.
2. Interbank trade, etc.

There are actually quite a lot of options here. Well, we must not forget that the issuer’s need for funds is precisely reflected in the essence of the bonds. After all, in essence, the issuer borrows money from bondholders. This is one of the most unpopular methods of obtaining funds among businesses. But states deal with bonds very closely. It is enough just to remember that by 1998 Russia had managed to funnel a huge amount of money into state bonds. We also know very well how it ended.

In general, the traditional design of bonds is similar to what we call lending. And yet there is a difference and it is significant.

In essence, the issuer, through the bond system, gets the opportunity to plan the volume of its costs. Bondholders have the opportunity to plan income. True, bonds must also be compared with loans in that they do not have the traditional properties of a loan. The fact is that there is no need to register collateral with bonds at all. Moreover, even the procedure for assigning rights to another creditor is simplified to the limit.

Let’s say right away that the bond market predominantly practices long-term investing. Because most securities in this area generally require an investment period of 10-15 years. And some even 30.

Types of bond coupons

By the way, in some ways bonds even resemble shares of companies. True, the difference here is significant. The fact is that bonds do not allow you to make any decisions in the company or enterprise. And you won’t be able to rely on property in the traditional sense of bonds either.

The problem is that bonds do not offer a dividend system. On the other hand, there is an acceptable alternative. After all, income on bonds can be received several times in 12 months. And at the end of the term, the face value of the bond will be paid back to you.

Moreover, bonds are much more reliable compared to classic securities. This is because failure to repay or repay will result in default. But in reality, defaults do not happen very often.

In fact, the current mechanism for working with bonds has a simple explanation for the average person. The point is that you provide the issuer with a certain amount in a transaction similar to a debt agreement. To certify this fact, bonds are issued. In this situation, the issuer acts as a borrower, and the bondholder becomes a lender.

This scheme stipulates the frequency of bond payments. Roughly speaking, you can be paid a portion of your income 2 or 3 times in 1 year. And this will continue until the bond expires. After expiration, you also receive the underlying value of that security. Naturally, classic bonds do not obligate you to anything. In general, after 5 years (conditionally) you can resell the bonds through the exchange (to anyone). Even if the security matures only in 10 years. It works quite simply, if you understand it properly.

Obstacles to marriage

• Before the wedding, the bride and groom must register their marriage at the registry office. The Church cannot sanctify lawless cohabitation;
• The bride and groom cannot be: related by blood (up to the fourth degree of relationship, for example, with a second cousin); in a spiritual relationship (if those wishing to marry are godparents of the same person or wish to marry a godson).
• A marriage cannot be concluded if at least one of the two persons wishing to marry has not reached marriageable age.

The Church does not sanctify a union between or with...

• Gentiles - representatives of non-Christian religions (for example, Muslims). A non-Christian cannot participate in an Orthodox sacrament, which is a wedding.
• unbaptized;
• atheists, even baptized ones;
• people who are related by blood and spirit;
• people whose officially confirmed mental illness deprives them of the opportunity to freely and consciously express their will.
• In special cases, an exception may be made for religiously mixed marriages. Only the ruling bishop can give a blessing for this;
• Orthodox Christians, with permission, can marry non-Orthodox Christians (Catholics, Protestants, Lutherans, Armenian Gregorians) provided that their children are baptized and raised in Orthodoxy.

Basic terminology for working with bonds

Let's start with duration. This is a time period that reflects the actual payback. Roughly speaking, you invest money and wait for the invested funds to be returned to you. Duration is a clear indicator. The rules here are quite simple:

1. Conservative bonds usually have medium duration.
2. The lower the duration, the faster you will get your money back.

The redemption date is the date on which the issuing company typically returns the face value to you. In addition, the last coupon income is usually added to the moment of cancellation.

Naturally, oral agreements in such a matter are usually unacceptable. This means that some kind of agreement is needed. The offer is used in this capacity. It is not available for all securities. However, for the majority they still use it. In essence, in the offer the issuer sets its own rules:

1. Possibility of resale of bonds.
2. Procedure for early cancellation, etc.

A coupon is a user fee. Simply put, it is your interest on the issuer's use of funds. The coupon can be expressed in monetary terms or as a percentage. As for the market value of bonds, it determines the price of a particular security. By the way, this figure is purely a percentage. The price of a bond is determined by the parity of supply and demand (in the base). However, other factors may also influence the price of a security in the market.

Market value should not be confused with par value. They start from the nominal value, but it can be increased. For example, on the Moex exchange the nominal value is usually set at 1 thousand rubles. Those. It cannot be lower (in theory).

Well, the issuer is a specific enterprise or organization. And this is also done by individual regions, sometimes even entire states.

Behavior in the Temple during the Sacrament of Marriage

• The Sacrament of Wedding is not just a ritual, it is a prayer; treat with attention and reverence the prayers that are pronounced by the priest: during the entire Sacrament, the Church prays for almost no one else, just for the bride and groom (and one prayer “for the parents who raised them);
• everyone present at the wedding, to the best of their ability (with prayers, their words and thoughts), should pray for those two who are getting married;
• If possible, refrain from unnecessary conversations.

Security type

Debt category obligations may be secured or unsecured. Yes, the classic scheme does not provide for collateral. However, there are a huge number of variations for such securities. Namely:

1. Group of mortgages.
2. Fund papers.
3. Assets (physical).

Naturally, if the bonds are not secured, the risk increases. Typically, such bonds are issued on the condition that income will be received as a result of the implementation of a project. As for mortgages, credit contracts are very often used here (for example, for real estate). If borrowers repay, the issuer's solvency is confirmed.

Stock securities are pledged exclusively to those that the issuer currently owns.

Well, physical assets mean any valuable property. Trains, planes, real estate, etc.

Is it possible to get married in church after a divorce and is it necessary, possible reasons

If irreconcilable differences nevertheless arose between the spouses and it was decided to divorce, then it is necessary to contact the registry office, where the formal procedure for divorce will be completed.

A church marriage is not concluded on paper, but before God; it is before him that the spouses are responsible for their family life.

For the church, as an institution, the concept of “debunking” does not exist, since it denies the very concept of divorce, putting the family first.

To be debunked means to enter into a new marriage in heaven, to get married again.

Here is a good video about civil marriage and debunking.

True, if you come to church and say that you want to get married or remarry out of boredom, you may be refused. The Church considers some specific reasons for divorce to be quite significant:

• Cheating on one of the spouses,
• An abortion performed by a wife without the consent of her husband, without medical necessity,
• Change of faith by one of the spouses,
• Incapacity for married life, and as a consequence for procreation, loss of legal capacity of a husband or wife,
• Diseases that threaten the health of unborn children (AIDS, syphilis and others),
• Entry of a husband or wife into another marriage,
• Alcoholism and drug addiction of one of the spouses,
• The risk of damage to the health of one of the spouses to the other,
• Pimping,
• Long-term absence of one of the partners,
• Inconsistency with Christian canons: marriage between relatives, marriage before reaching adulthood.

Thus, you yourself can answer the question of whether the first marriage needs to be debunked. It is possible only through a second church marriage. Whether this can be done depends on the reasons given above.

Reliability criterion

This is an informal classification, however, in some places such terms are still used. Bonds based on reliability criteria are usually divided into:

1. Bad.
2. Good ones.

By bad (they are also called junk) we mean those securities that are issued by an unreliable issuer. Usually no one knows about this enterprise or organization. Well, good bonds (as you might guess) assume that the issuer is a reliable company or organization.

What does the certificate of such a union affect?

The wedding certificate, which is issued in the church after the ceremony, has no legal force . Unlike a marriage registration certificate issued by government agencies. It only confirms for the spiritual newlyweds themselves that they have entered into an alliance before God in heaven, with the exception of certain cases (one of which is described above).

In the following video, the clergyman talks about the possibility of entering into a church marriage without official registration:

Profit accrual criterion

In modern conditions, there are many mechanics for paying income to bondholders. The most common of them are:

1. Floating (reverse).
2. Absent.
3. Direct floating.
4. Fixed.

In the first case, we assume that a special calculation for the bet is applied. If there is no rate, then nothing is currently being paid for the bond. These are so-called zero-coupon bonds. A direct floating payment scheme assumes that it changes in association with some significant indicator.

Well, the fixed payment mechanics assume that you will receive a set percentage for the bond. This is the most acceptable option for a beginner. Even if circumstances change, the interest rate will not change.

Brief description of the wedding

• Following the priest with the censer, the bride and groom with lighted candles enter the middle of the temple. The choir greets them with singing, glorifying their God-blessed marriage.
• In front of the lectern (on which lie the cross, the Gospel and the crowns) a white cloth is spread on the floor. Those getting married stand on it. The priest asks questions to the groom (then the bride) - whether they confirm a free and relaxed desire to get married and the absence in the past of each of them of a promise to a third party to marry him.
• The priest proclaims the blessing, then the litany is pronounced.
• This is followed by three prayers in which the priest asks the Lord to bless this marriage and give children.
• At the end of the prayers, the priest marks the groom with a crown, gives him to kiss the image of the Savior attached to the front of the crown and says: “The servant of God is getting married...”. The image of the Blessed Virgin Mary is attached to the bride's crown.
• The newlyweds, adorned with crowns, stand before the face of God, awaiting God's blessing. Exclamation: “Lord our God, crown them with glory and honor!” pronounced by the priest three times with a triple blessing of the bride and groom.
• If possible, guests silently help the priest, repeating: “Lord, our God! Crown them with glory and honor!”
• Then the Epistle to the Ephesians is read (Eph. 5:20-33), in which the marriage union is likened to the union of Christ and the Church.
• The Gospel of John (John 2:1-11) is read about God's blessing of the marital union and its sanctification.
• The litany is pronounced.
• After the proclamation: “And grant us, O Master, to dare to call upon You with boldness and without condemnation...” all those present at the Sacrament sing “Our Father.” As a sign of submission and devotion to the Lord, the bride and groom bow their heads under the crowns.
• The cup of communion (with red wine) is brought and the priest blesses it for mutual communion between husband and wife. They take a sip of the common wine three times, after which the priest connects the husband’s right hand with the wife’s right hand, covers their hands with stole and places his hand on top of it, signifying that the husband receives a wife from the Church itself, uniting them in Christ forever.
• Signaling the marriage as an eternal procession hand in hand, the priest leads the newlyweds around the lectern three times with the singing of troparions: “Isaiah, rejoice...”, “Holy martyr” and “Glory to you, Christ God, praise of the apostles...”. At the end of the solemn procession, the priest removes the crowns from the spouses and addresses them with welcoming words.
• What follows is a prayer to the Lord for the reception of the newlyweds’ crowns undefiled and undefiled in the Kingdom of God. The second prayer (with the newlyweds bowing their heads) - these same petitions are sealed with the name of the Holy Trinity and the priestly blessing.
• The chaste kiss of the newlyweds is evidence of holy and pure love for each other.
• Now the newlyweds are led to the royal doors, where the groom kisses the icon of the Savior, and the bride kisses the image of the Mother of God; then they change places and are applied to the icons again. Here the priest gives them a cross to kiss and hands them two icons: the groom - the image of the Savior, the bride - the image of the Most Holy Theotokos.

Redemption conditions criterion

Well, the last classification for today will be the basic terms of redemption. You need to understand that debt obligations are tied to Central Bank rates. If the interest rate is low, then the assets become profitable. Naturally, this generally applies to all market bonds. And here you need to understand one simple thing. In fact, everyone is at risk:

1. Issuers.
2. Bondholders.

Therefore, a mechanism is proposed by which the action of an obligation (debt) can be terminated ahead of schedule. This mechanism benefits everyone. Essentially, it allows you to build more flexible relationships between all parties to the transaction. Since such conditions are usually beneficial to the participants in the transaction, an additional opportunity arises. And on the basis of this mechanism, a separate classification of bonds appeared. Namely:

1. Convertible papers.
2. Review papers.

Convertible notes allow the current holder to convert a specified amount of the bonds into shares of the issuing company. In fact, it is a reinvestment system. As for callable securities, they open up opportunities for the issuer. After all, he can redeem his securities (debt) ahead of schedule. Moreover, if this happens, the holder also receives additional income in the form of a premium amount.

How can you get debunked?

• The dissolution of a God-blessed Marriage is a great sin, therefore there is no such thing as “debunking”. It is impossible to bless sin; the Savior Himself commanded: what God has joined together, let not man separate (Matt. 19:6).
• If the first marriage actually broke up, then the innocent party may be given a blessing for the second marriage, and, as a last resort, for the third, but no more. A blessing can only be given by the diocesan bishop, but not by the priest.

Types of bond coupons

There are 3 main types of coupons:

1. Floating.
2. Variable.
3. Constant.

The rate for such a coupon is calculated based on a whole group of financial indicators. Typically, a direct relationship is made with the key rate of the regulator (in our case, the Central Bank of the Russian Federation). You need to understand that there are disadvantages to coupons of this type. Especially for those who have just begun to understand bonds. After all, predicting (correctly) future events and profitability is quite problematic.

On the other hand, floating coupons have a number of advantages. For example, the coupon rate usually always exceeds current inflation. Official inflation, of course.

Well, we must not forget that floating coupons are usually better in terms of yield than most deposits on the market.

A variable coupon implies that the issuer will be able to change the rate during the course of the play. Roughly speaking, everything here is in the hands of the company issuing the bonds.

And the key disadvantage here is the lack of forecasting. Because you most likely will not be able to guess the issuer’s decisions even with the help of a professional fortune teller. However, there is a positive aspect to this mechanics of replaying prices. The fact is that such bonds very quickly reflect the economic situation. We will finish with the classification of coupons at a constant category. Relatively speaking, in such conditions you will be able to receive money using coupons without any changes or shocks. The accumulation of coupon income here can be predicted, because everything is already known in advance.

In fact, with a permanent coupon, you always know how much you'll get and when. Permanent coupon bonds are more user-friendly and great for beginners. And this is also a good option for putting together a conservative portfolio.

Ritual of debunking in the Orthodox Church

Since there is no such thing as a church divorce after a wedding, there is only the concept of obtaining permission to remarry, this issue should be considered from the point of view of receiving a blessing.

Reasons for the Church to invalidate a marriage:

• betrayal of one of the spouses;
• change of religion of one of the spouses;
• entering into another marriage;
• abortion of a wife without the consent of her husband in the absence of medical indications for termination of pregnancy;
• sexually transmitted diseases such as AIDS, syphilis and so on;
• an attempt to encroach on the life of the other spouse;
• disappearance of one spouse for more than 3 years;
• inability to have children due to self-mutilation;
• severe form of drug addiction, alcoholism;
• if the spouse is sentenced to imprisonment for serious crimes.

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The reason must be proven by relevant document or other evidence or certificate.

To apply, you need to contact the local Diocesan administration, where they will tell you how to make a request correctly and in whose name.

The petition must be accompanied by a divorce certificate and other documents confirming the reason for the divorce. If the bishop considers the grounds for divorce to be compelling, he will give permission for a second wedding. However, if the spouse, through whose fault the divorce occurred - infidelity, entering into another marriage, and so on - wants to get married again, then he will most likely be denied such a petition, since he is guilty of the collapse of his previous family. You need to understand that blessings for a wedding are not given just like that.

If you have any doubts about what is the best way to proceed, you can always consult your confessor or the same priest who performed the wedding ceremony. If this is not possible, you can go to a nearby temple and talk to the priest. Most likely, he will answer all questions and help with advice on what to do in the current difficult situation.

The candles that the newlyweds hold in their hands during the wedding are called wedding candles. After the sacrament is completed, they are brought home and kept along with the icons with which the newlyweds were blessed for marriage.

Candles can be burned during prayer or taken to church. It is not forbidden to leave them and store them in a box or next to the icons. You should not throw them away or give them to someone else. Although the signs and superstitions associated with candles are mostly fiction, it is worth finding a better use for them.

A towel (towel) can also be donated to the temple if it unpleasantly reminds you of a broken marriage.

Towel left after divorce

Wedding icons are paired icons depicting the Most Holy Theotokos and Jesus Christ, which are used to bless spouses during the sacrament of wedding.

Icons can be donated to the temple, indicating that they are wedding icons. But icons do not depend in any way on when and under what circumstances they were acquired. Nothing prevents you from praying in front of them and lighting candles.

As for the wedding ring and dress, again, you can keep them or donate the ring to the temple, have the dress altered or given away, or maybe even throw it away. A dress, a ring - these are just things, memorable, but not possessing any mystical power. They do not in any way affect a person's life after a divorce.

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You can donate a ring to the temple

Divorce is always a tragic event, even if it frees the spouses from an unhappy family life. Before you legalize a second relationship, you need to weigh everything and seriously approach the issue of a second wedding. Despite the fact that the church allows you to get married more than once, you should not use this permission lightly, especially if this is not the first wedding for the newlyweds.

As mentioned above, there is no specific procedure for divorce in the church; the church can only bless a person for remarriage, hereinafter we will call this debunking.

The Orthodox Church allows the re-wedding of people who have already been married, and for this it will be necessary to contact the Diocesan Administration. So, how to properly debunk?

• You must submit a petition to the bishop, attach the necessary documents and wait for a response.
• You will have to undergo an interview with a priest who will want to know the reasons that prompted you to divorce. Remember that if the reason is not valid for the church, you may be denied a second wedding.
• If you receive a blessing, you can get married again in any temple of your choice.

How are coupons taxed?

This is where we need to figure it out thoroughly. Because in some situations, income from coupons actually fits the tax base. And in other situations you won’t have to pay anything. Let's start from the opposite. Based on Article 217 of the Tax Code of the Russian Federation, you will not have to pay taxes for:

1. Securities of the Union State.
2. Securities of individual regions of the Russian Federation.
3. Interest on OFZ.

In addition, you will not have to pay for income through coupons that are associated with corporate bonds. True, it is still important to understand the emission criterion. The fact is that the rules apply only to those bonds that were issued before January 1, 2017.

If the deadline is missed, the tax base is established. In this case, the so-called “tax” on excess rates is applied. The problem is that it is equal to a share of 35 percent. Hardly anyone is delighted with such generosity from the state.

It is also necessary to take into account the rules for applying such a tax. Let's assume that you purchased a package of bonds with an income (at coupons) of 10 percent. And you purchased this bond for 50 units. It turns out that the yield is currently 20 percent. No tax is withheld for this.

However, if you purchased some debt security for 200, with a yield of 16 percent, despite the fact that in fact the yield is half that, then tax will be withheld from you. This is such a cunning system, and in many ways, quite strange.

At the same time, the procedure for withholding taxes has also been established. In particular, you should refer to the following articles:

1. 214.9.
2. 226.

If you don’t delve into government “twists” and speech patterns, it turns out that the tax agent is the company that pays the citizen money. In principle, there is nothing surprising in this. But here you need to understand the peculiarities of working with bonds.

In fact, after the bond is redeemed, the funds are sent to the depository. And from there the money is distributed to brokerage companies. And the broker is already engaged in the distribution of funds between clients.

It turns out that you won’t be able to withdraw funds from the depository to your personal account right away. And in the case of coupons, it is the depository that is regarded as a tax agent. For those who trade other securities, this may seem unusual, but these are the rules. In fact, it is the depository that will withhold all taxes at the enrollment stage.

But there are also workarounds. And they pose a danger to the holder. Because in certain situations the depository does not act as a tax agent. And also a brokerage company. In this case, the law places full responsibility for paying taxes on the recipient of the income.

In fact, brokerage companies have provided for this option as well. Typically, the benefits from coupons are released through brokerage accounts, which then allow you to withdraw money to a card or somewhere else.

How to get a divorce if the spouses were married?

In practice, debunking does not exist. The spouses are divorced in the registry office, according to the laws, and live separately. If one of the spouses wants to get married again, then he needs to submit a petition to the bishop for permission to remarry.

This procedure is called “debunking,” although in fact it is receiving a blessing for a subsequent marriage

Thus, the answer to the question is it possible to get married a second time after a divorce - yes, it is possible, with the permission of the church. You can get married up to three times . But the reasons for divorce, according to church statutes, must be significant. An excuse like “they don’t get along” will not work.

12 Sep 2020 at 12:27 PDT

The Church has an extremely negative attitude towards any divorce, considering it a tragedy and a kind of death of the family. Especially if it's a wedding. But in any case, if family life turns out to be impossible for one or both spouses, then divorce is inevitable.

The consequences of such a difficult decision can be severe, but this is a matter of conscience for each spouse. The Church does not impose any contempt or punishment on divorced people - this is everyone’s personal matter , and they will answer to themselves and to God. An important question that people planning to divorce should ask themselves is whether it is possible to save the family or is it impossible.