Latest news with #spouses
CBC
09-07-2025
- Business
- CBC
Quebec pausing some applications for sponsorship of immigrants until 2026
The Quebec government says it won't accept new applications from residents who want to sponsor their spouses, common-law partners or adult children for immigration until next year. The Immigration Ministry says in a news release that it has reached its cap for sponsorship in those categories. As a result, the families of those immigrants would have to wait until June 25, 2026 to apply. The government announced last year that it would process a maximum of 13,000 family applications from immigrants seeking to reunite with relatives over the two-year period from June 2024 to 2026, after approving more than 16,500 in 2022 and more than 10,000 in the first six months of 2023. The current processing time to sponsor a spouse or partner living outside the country is 37 months in Quebec, compared to 11 in the rest of Canada.
Sky News
07-07-2025
- Business
- Sky News
What happens to your pension when you die?
What happens to your pension savings when you die depends on several factors, including whether you've reached retirement age, the type of pension you have, your marital status and the beneficiaries you have nominated. Strap in, this is quite complicated... but here's what you need to know… What happens to your state pension? It depends on whether you get the old or new state pension. If you reached state pension age before 6 April 2016, you are on the old state pension. You may be able to inherit some of your spouse or civil partner's state pension when they die. If you don't have a full national insurance record, you could top it up with your partner's eligible years - increasing your basic state pension. You may also be able to inherit part (generally 50%) of your spouse or civil partner's additional state pension or graduated retirement benefit. Contact the Pension Service to check what you can claim. Children or cohabiting partners are not entitled to anything. If you are on the new state pension, so post 6 April 2016, you can't make a claim for their national insurance qualifying years. However, if your partner built up more than the full amount of state pension, the additional amount is a "protected payment", half of which can be passed to your wife or husband. Private pensions - defined benefit Defined benefit pensions are now generally only available from public sector or older workplace pension schemes. This type of pension pays a retirement income based on your salary, and how long you made contributions to your employer's pension scheme. If this is the pension you have, the money paid to your beneficiaries will be outlined in the scheme's rules but often a spouse will receive around 50% of the money. If your children are under 23 and in full-time education, or mentally or physically impaired, they may also be eligible to get a percentage of the pension you were getting (or were due to get, if you die before pension age). "It's really important a couple checks whether or not an individual (particularly the spouse) will actually qualify for the spouse's pension if the person dies," Penny Cogher, a partner at Irwin Mitchell LLP, said. "They could have a very nasty shock if they don't qualify because they weren't married at the right time. "Some schemes provide children's pensions but there is no requirement to provide this." Private pensions - defined contribution Money left over in your defined contribution pension can be paid to beneficiaries in a few ways: Your beneficiaries can withdraw all the money as a lump sum; They can set up a guaranteed income (an annuity); They can also set up a flexible retirement income, called "pension drawdown". If you've chosen the annuity route (which we explain more here), it depends on which type you bought - a joint life annuity can be passed to a second person, whereas a single life annuity dies with you, though some offer guaranteed periods for a set period of time. If you chose drawdown (explained here), or for that matter, are still working, any money left can be passed on to family or whoever you wish. In most cases, the trustees who are appointed by the scheme will pay those you have nominated in your "expression of wish" form but they are not obligated to do so. "If somebody doesn't have an expression of wish, then the trustees will decide who receives your pension benefits, which may not align with the pension holder's wishes," said Gorkem Barron, from Lubbock Fine Wealth Management. Will it be taxed? Pensions are not currently subject to inheritance tax. But last year, the government extended the range of pension benefits that will become subject to inheritance tax from April 2027. Almost all lump sum death benefits will be subject to inheritance tax rules, as will unused drawdown funds. But remember, the first £325,000 of an individual's estate is exempt. And from 6 April this year, those seeking to transfer cash to pension schemes in the European Economic Area or Gibraltar will no longer be exempt from overseas transfer charges, as the government seeks to stop individuals reducing their tax liabilities by moving their pensions to another jurisdiction. Inherited pensions can also be subject to income tax - though the rules on this are a little convoluted. If you die before the age of 75, and are leaving money from a defined contribution pension pot or in drawdown, there's no income tax unless the lump sum and death benefit allowance has been exceeded. The lump sum allowance is £1,073,100 - anything over that is taxed at the beneficiary's marginal rates of income tax. If you die at 75 or over, anything you pass will be subject to income tax at the beneficiary's highest marginal income tax rate on any money they withdraw. With defined benefit pensions that leave a regular income to beneficiaries, there's usually no income tax - age doesn't come into play.
Washington Post
07-07-2025
- General
- Washington Post
Asking Eric: Adult children object to parents' burial plans
Dear Eric: I am very much enjoying the second time around following a long and less than joyful first marriage. My problem is plans for burial. All of our children are terribly against our marriage even though both of our spouses were deceased at the time we met. Our children have virtually no relationship with us now and if there is any contact it is ugly.
Yahoo
18-06-2025
- Yahoo
A Private Investigator Who Specializes In Cheating Just Spilled All The Unknown Details About The Job, And I Can't Stop Reading
Recently, a pretty interesting post on the subreddit "Ask Me Anything" caught my eye. "I'm a private investigator specializing in catching cheaters," Reddit user Visible-Novel-6409 — or Novel, for short —titled his post. "Ask me anything." "I'm a [27-year-old man]," Novel wrote, and said that he's "been in the PI business for about a year. I mainly go after unfaithful spouses (per title)," he explained, but "also handle parental negligence and the occasional employment fraud." People did not hold back about "asking him anything," and like any great PI, Novel delivered the answers. Here are some of the best from his fascinating Q&A: 1."What was the craziest location you found a cheater?" asked user saygoodnightsoftly. "What was the longest distance you've seen one travel to cheat?" ABC, Fox / Via "There've not really been any insane locations for me so far," Novel wrote. "Mostly the usual stuff: restaurants, bars, hotels, outdoor attractions depending on the season. The farthest I've seen someone travel was a lawyer who lived four hours away who'd come to my city for a business conference. Her husband back home hired us because he didn't believe she really had a conference and that she was running around with a coworker (who she swore to him wouldn't be there). The conference was real, but I nailed them down together immediately." had another question: "Does being in this field of work make you feel depressed about romantic relationships?" Novel wrote back: "I wouldn't say it makes me feel depressed individually, but for society in general. I personally just got engaged to someone amazing who I trust 100%. If anything it makes me grateful for how lucky I got, but a bit melancholy realizing how rare that really is for others." 3."How often do you run across people who are convinced their spouses are cheating but they're truly innocent?" asked another redditor. "My ex-wife probably would've bet her soul I was cheating on her for years. I was constantly accused, but I had never once been unfaithful. It's a harder cross to carry than most people would think." Novel had a surprising answer: "A good majority of the time, our client is incorrect. And that's even after we filter out truly wild cases by refusing to take them. It's pretty rare but it feels amazing when you actually get one." alwayssalty_ asked, "Have you ever been in a dangerous situation during an investigation?" Novel simply said, "There are some people I've followed who I would NOT want to be caught by." Related: 23 Cute, Happy, And Wholesome Posts I Saw On The Internet This Week That You Absolutely Need To See user, Ok_Lavishness_4561, asked, "How many of the cheaters were nervous/wary whilst in public with their affair partner? Or were they just totally chill?" "Most people are oblivious of their surroundings, which makes my life easy," Novel said. "The average person does not have their head on a swivel. Most of the time they're acting pretty relaxed and at ease; but sometimes they take cartoonishly stupid precautions like parking super far away from each other before meeting up." devilish rake, styled paragonx29, no doubt with the purest of intentions, asked, "What combination of factors could a really stealthy cheater use to avoid your capture?" "Literally just don't go in public," said Novel. "I can't do surveillance anywhere with a 'reasonable expectation of privacy.' Other than that, you're fair game." 7."So have you ever found someone who wasn't cheating, but they were doing something weird or wacky and keeping it from their significant other?" jackdupp27 asked. NBC / Via "Ooh I like this question," said Novel. "Unfortunately nothing too crazy, just out drinking with their friends is a common one though." But... "There have been a few that I've been sure were up to something but could never nail down. For instance, a guy said to his wife he had a doctor's appointment at 5 a.m. and I followed him thinking it was a lie, but he actually went to the doctor's office and then went to work." 8."What's the quickest turnaround you've had for receiving a job and collecting enough evidence to prove the cheat?" asked user twopeasandapear. "And then, what's been your longest (so far)? How long will you commit to a case before deciding it's not going anywhere?" "It's been same-day before," wrote Novel. "I usually get hired for 10-20 hours of surveillance split up over one to two weeks. We get paid in advance so we use all our time regardless, even if it looks like it's not going anywhere. Sometimes people want peace of mind anyway, and the longer we document their activity the better they'll feel that they're not cheating." Related: Holy Crap, I Can't Stop Laughing At These 28 Painfully Awkward And Embarrassing Conversations 9.A question I, personally, would be worried about: "Have you ever been caught or suspected by the target you're trailing?" asked masterdebater117. "I've never been caught, but that's also because I'm cautious," explained Novel. "Following someone in their car is the hardest part. Depending on traffic it's very easy to get burned on the road. If I think they may notice me I peel off and try again another day. But if you get caught it's all over. Patience is key." 10."Could you share the not-so-obvious red flags of a cheater, or things people miss?" asked BeautifulTerm3753. Pop TV / CBC Television / Via "They'll usually take overly paranoid steps to keep the affair secret, but it ends up just making them look stupid," Novel wrote back. "A dude was at a restaurant with a mistress once, and from the parking lot I watched them immediately split off into opposite directions. Neither of them parked at the place itself, but in adjacent lots on opposite sides. I'm sure his wife will be entertained by the video I got of that." 11."Have you encountered situations where you needed to make some purchase to not come off as suspicious?" asked matroosoft. "Something like getting a drink, booking a hotel room, or getting a taxi? If so, is that covered by your boss?" Novel responded, "Usually I get a drink or app at a restaurant. Had to buy tickets to get in an event before. I'm compensated if I keep the receipt." 12.A question 12-year-old me would have loved: "What's your standard 'spy kit,'" asked user Schickie, "and how much of your time is spent sitting in your car, vs. being in public looking inconspicuous?" "Very basic stuff," said Novel. "Digital camera, binoculars, a few different outfits, timestamp camera app on my phone for close-quarters. "I always start every case in my car and then it just depends on where they go. If they enter an establishment, I'll have to find my way in." "That's pretty dope," wrote Schickie. "Do you have to carry a lot of cash around, for slipping to front-of-house staff, informants, etc.? Or has the trade upgraded to Venmo? Are you packing?" "Cash is king; in case you need to get out of somewhere quickly, you can just leave it on the table," Novel explained. "I don't slip anything to anyone, and I'm not packing. I shouldn't put myself in a situation where I'd need to be." 13.A crucial question, from slevenznero: "What are the pieces of evidence you gather to be sure to win a case for your client?" Novel replied, "It's pretty simple, I take photos of whatever they're doing without the client's knowledge, and if those photos show them engaged in behavior they shouldn't be, the client is satisfied. I am not involved in the legal proceedings, just the collection aspect." 14."Hands down, most hilarious experience?" asked QuarantineCouchSurf. "One lady hired us because her husband was a bum and she wanted to kick him out of the house," said Novel. "The day of the case he said he got a new job and was on his way to work. I followed him to the liquor store and weed dispensary as soon as they opened." 15."How do you feel about the ethics of your work?" asked richweinb. "Do you feel it's okay to track people?" "Everything I collect is in public view and therefore fair game," Novel said. "I will say I'm glad I do this as a private individual and not for the government." "How would it differ if it was for the government?" asked RefrigeratorOptimal3. "I am not a fan of state surveillance for the same reasons most other people aren't," said Novel. user, parallaxog, asked, "What's the most wholesome story you have about someone whose spouse thought he/she was cheating but in reality, they weren't?" "I guess there was this dude who went to an overnight spa resort and turned out to be by himself," wrote Novel. "Man just wanted some alone time." 17."Am I right in assuming that almost everyone who suspects a spouse of cheating is correct," asked Downtown_Baby_8005, "or do you often investigate only to discover that, in fact, you can't find any evidence of infidelity?" "Way off," said Novel. "Probably in only 25% of cases do I actually find something. The majority of the time I follow someone around for days and they're not up to anything suspicious at all. Client still pays." 18."Do you have any special equipment, so it's not obvious you're taking photos?" asked user blinkomatic. "Hidden cameras, long-distance cameras, remote cameras?" "I use a telescopic lens digital camera for long-distance," Novel explained. "If I'm in a restaurant or something I'll usually turn my phone video camera on and either act like I'm on a call or put it in my shirt pocket with the camera just barely sticking out." finally, a question I wouldn't have thought about, that user CrazyEights916 asked: "How do you stay cool when it's 100 degrees outside and you're conducting surveillance from your car for an extended period?" "Extreme heat and extreme cold are the worst," Novel wrote back. "Usually in the span of an hour I'll turn my car on for five minutes to either run the A/C or heat and have to live off of it. I worked a full day in -20°F earlier this year." Absolutely fascinating. So, what do you think? Surprising? Old hat? Let me know in the comments! Note: Q&A has been edited for length/clarity. Also in Internet Finds: Lawyers Are Sharing Their Juiciest "Can You Believe It?!" Stories From The Courtroom, And They're As Surprising As You'd Expect Also in Internet Finds: 51 People Who Quickly Discovered Why Their Hilariously Clueless Partner Was Single Before Meeting Them Also in Internet Finds: People Are Sharing "The Most Believable Conspiracy Theories," And Now I'm Questioning Everything I Thought I Knew
CTV News
16-06-2025
- CTV News
Man accused of shooting Minnesota lawmakers arrested after manhunt
Watch A man accused of shooting two Minnesota lawmakers and their spouses has been arrested.
