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Found 26 results

  1. What happens if one one of the two parents in a joint application dies before the visa is granted?
  2. A 17-year-old girl has died after being attacked by a shark in Western Australia's south during an Easter holiday with her family. The girl's mother and two sisters reportedly watched in horror from the beach as the 17-year-old was grabbed by the shark at Kelp Beds, near Wylie Bay, in Esperance just before 4pm. The teen, from Mandurah, was surfing with her father when she was attacked. Police, ambulance and Esperance Marine Rescue treated the girl on the beach before she was taken to Esperance Hospital in a critical condition. Thankfully this year as been a better one for shark attacks, condolences to the family. We share the Oceans and sometimes people go missing when entering them.
  3. Hi this is something from the telegraph, which makes you wonder are you in the same boat, or have you got it covered "Geoffrey Boycott, the former England cricketer Thousands of homeowners’ plans to leave property to their heirs could be hit for six by an obscure legal definition which Geoffrey Boycott, the cricket legend, has described as “double-Dutch”. Mr Boycott went on to lose a test case in the High Court about the ownership of a home in the millionaires’ resort of Sandbanks, Dorset. But with the average house price now exceeding £161,000, according to the Halifax House Price Index, questions about who has legal title to property could have a major impact on much more modest households. Now lawyers say many people – especially unmarried couples or those who have contributed unequally to the purchase of a home – may be caught out if they are unaware of the distinction between owning property as ‘joint tenants’ or ‘tenants in common’. No wonder the straight-talking Yorkshireman suggested the difference was difficult to understand. But the legal jargon could mean other couples’ plans to bequeath or inherit property are stumped. The Court heard that Mr Boycott bought a three-bedroom house overlooking Poole Harbour for his “friend and confidante” Anne Wyatt in 1996. Mr Boycott told the court he allowed Mrs Wyatt to live in the house rent-free, although they were no longer partners, for as long as she lived. They were listed on the deeds as joint tenants. But when Mrs Wyatt died in 2009, aged 82, her half of the house went to her estate instead of to Mr Boycott. To his “huge surprise”, he discovered that Mrs Wyatt had changed the agreement in 2007 to a tenancy in common so that she could leave her share of the property to her heirs. Andrew Goldstone, head of tax and wealth planning at Mishcon de Reya explained: “With a tenancy in common, when one joint owner dies they can leave their share to whoever they want in their will. That’s a big advantage where joint owners are neither married nor in a long-term relationship, since they won’t necessarily want their share to go the other on their death. Tenancy in common also makes sense for couples who each have their own children from an earlier relationship. “It is possible to convert a joint tenancy to a tenancy in common but not the other way round. The technical term for bringing a joint tenancy to an end is called “severing the joint tenancy” and it’s very easy to do. It can be by mutual agreement, in which case the joint owners will usually document in what shares they will then own the property. “However, it can also be done by just one of the joint owners giving written notice to the other. That sometimes happens when a couple are splitting up and one of them wants to be sure that if they die, the whole property won’t go to their ex-partner. This can mean that what was intended at the time of purchase can be overridden by one party alone. Once notice of severance is given to the other party it is too late to change.” John Condliffe, a partner at Hogan Lovells, added: “In this case, Mrs Wyatt ended the partnership by serving notice on Mr Boycott, whose arguments did not push the boundaries of legal principles. If property is owned by joint tenants the owners together own the whole property equally and do not have individual shares in it. If one owner dies their share automatically passes to the others, and therefore a joint tenant owner cannot leave their share to somebody else in their will. “By contrast, property owned by tenants in common entitles each person to a distinct share of the property, and their shares may be unequal. If one owner dies their share can be left to others in their will.” This distinction is no longer as important for inheritance tax (IHT) planning by married couples and members of civil partnerships as it used to be, now the nil-rate band of £325,000 is automatically transferred to the surviving spouse or partner on the death of the first spouse or partner. That means even married couples and members of civil partnerships who have made no plans to utilise the first spouse or partner’s IHT nil-rate band effectively enjoy a £650,000 threshold for IHT. However, the different forms of ownership remain relevant to many others; including unmarried cohabiting couples. Clare Rant, a property litigation specialist at Irwin Mitchell pointed out: “Disputes frequently arise following death where the ownership of a property has not been correctly identified at the will writing stage. A disappointed beneficiary – someone who is left an interest in a property under a will but where the property passes by survivorship to the joint owner – may also have a claim against the will writer. “The distinction between the two interests is not just relevant to death. This is of particular importance to co-habiting couples, as they will not have the benefit of legislation which can redistribute property.” So the legal jargon can prove more even important than the difference between deep square leg and silly mid-off. If in doubt, seek professional legal advice. :arghh::arghh::arghh::arghh:
  4. Guest

    death sentence--yes or no

    guy kills a person--proven guilty without any doubt--does he get an arm around him which says you have had a terrible life,and we sort of forgive you,and you must go to prison till we think you will not do it again--or do you just put a needle in his arm,and say goodbye to him--just what is justice in your view--mine is a life for a life,and harsh deterrents for any type of serious crime (like beating up an old person for the price of a pint of beer) are we to soft on the people that make us live our lives in fear,or is it time to toughen up,and start protecting ourselves
  5. Guest

    death row--last meal

    say you wuz on death row--what would be your last meal mine would be--gammon/peas/pineapple rings/mushrooms/chips/2 eggs--if i could have a drink it would be 4 cans of carlsberg prior to the meal--pretty basic really--but that's what i would have--just to add a bit of spice to the thread--if you could have 1 night with the person of your choice:Randy-git:who would that be--mine would be Helen mirren:wubclub:
  6. Its just breaking on sky news that a British citizen has been mauled to death by a polar bear. It just got me to thinking ................ What way wouldn't you like to die? Sorry for sounding grim, but i think we all will have said, when theres a reported death on the news, that someone has died, or we know someone who has passed away and thought ............ i wouldn't like to go like that, i want to pass away in my sleep. My two that i can think of is to die slowly in pain and having worked in the mill, to die being dragged into a wool tearing machine and slowly crushed to death, that was in the news not long back. Anyone else got any?
  7. MP's face being forced into a landmark vote on restoring the death penalty. Under the new e-petitions any subject getting more than 100,000 signatures, MP's must consider debating it in the commons. Right wing internet bloggers have been collecting signatures for the restoration of Hanging for murderers of children and policemen. Why they say right wing i don't know, i would have thought bringing back the death penalty, not neccessarily hanging, maybe lethal injection, would be very popular to the massess, who i think are fed up of soft sentences for evil monsters who take innocent peoples lives, callously and brutally and i would extend it to murderers of old people and multiple murders. Where do i sign?:wink:
  8. Guest

    21 Grams And Death.

    I know (think) it is an old urban myth based on a very unscientific study many moons ago, but 'some' believe that at the moment of death you lose 21 grams in body weight, and again some have said this 21 grams is the human soul departing the body,:idea::wacko:. Well, as you do I chatting away the other day about the inevitable and it sprung to mind, I wonder if this is true. The 'friend' I was speaking to said quick as a flash, 'Naa, the only 21 grams you will lose will be the packet of half smoked rolling tobacco that will fall out of your pocket when you kick the bucket', :mad::biglaugh: So what do you reckon, true, false, wishful thankful, or just one of those urban myths that have built in momentum over the years.:chatterbox: Cheers Tony.:wink:
  9. Guest

    The Death Of The 'Book'.

    It has by some in the know been foretold that death of a living, breathing book will one day be one day extinct. We know have Kindle, many ebooks and many other areas of technology that now allow us to read a book without actually having a book in our hands. I have no problem with the new technology that allows such avenues to be taken, many a first time author can now publish their work online without the need to go to a publisher and all that it entails. But to me a book and is cover and pages are like friends in many ways, tatty, worn, etc. I have loads of books that I hold dear, one in particular that I first bought in Australia about fishing. It has been with me through thick and thin, pages falling out, the spine is no longer in existence, but the feel, smell of it takes me back many years to a time that I remember fondly. It's as if it has a soul, and indeed a 'friend' that has been with me for many a year. So whilst I aporecite the new technology and I have myself made use of it, to me there is nothing like picking an old friend up and reliving so many good memories. Yep, a bit melonconic, and maybe a but soft, and even though I admit the new technology long live paper, ink, and that 'feel' of a bloody good read. :yes: Edited to add. Shot myself in the foot a bit here. Typed this on my phone while out, so excuse the spelling mistakes, but long live technology,:embarrassed::biglaugh: Cheers Tony.
  10. Guest

    Swan stoned to death.

    What the hell is wrong with people ? A group of teenagers in Melbourne have stoned a female swan to death while it sat on eggs in it's nest. This is the reason I like animals more than people. Council to watch swan after partner was killed
  11. Guest

    Ian Brady, Life Or Death.

    Watched a really fascinating programme about Ian Brady the other night, they concentrated on him, much more so than Hindley,:mad:, I won't go into the crimes they committed, most of us know what went on to a VERY small degree, and at times even though not graphic the descriptions of his crimes made me sick to the stomach. But my point is this, since 1999 he has been on a hunger strike, and has been force fed since that time I order to keep him alive. He has for a long time said that he wants to die, and their have been several judicial reviews which say that the hospital is allowed to force feed him against his will in order to keep him alive. But the problem is this. I would 'normally' say keep him alive so that every single day he has to live with the consequences of his crimes, he should be made to reflect and live in agony at what he did, BUT. Being the 'sociopath' he is, he feels NO remorse, sadness, grief and has NEVER shown any of the families involved any compassion. So is it really worth keeping him alive, costing the tax payer reams of money per year. As he feels no consequences of his actions is it not a waste of time keeping him alive, because very simply he couldn't care about anyone. But on the flip side of the coin is this. He as I have said demanded he be allowed to die through his hunger strike, if we keep him alive against his will are we not punishing him at last, and fair play as well. If he feels no compassion for his victims, but he truly wants to die, isn't it worth keeping the 'gentleman' alive so that he will never get what he wants reference wanting to 'get out' of his life. Cheers Tony.:wink:
  12. Honest question folks. Do you fear death itself, the manner of your death, or do you just live in denial? Many of us often look at our lives and wonder when, how, etc, our deaths will come. Some of us don't think about it, maybe their just not interested, or they refuse to talk about it, fair play to all thoughts I reckon. But my question is this. In which way do you VIEW death. It is after all an undeniable truth that comes to us all, but do you fear the 'time' 'method' , etc. I think a lot of people look upon death as something that leaves those who we love far behind, and in as much we feel fear at the fact that we are going to leave those we most love and care about behind and we will no longer be part of their lives. Some of us think that death is something to be feared full stop, that to think of us dying is beyond comprehension, and it fills us with dread. Some view death with absolute fear because we don't want to be in pain and discomfort when we finally draw our last breath. Some see death as 'Well, that's it. There is nothing after death'. Some acknowledge this fact and others believe in an afterlife, that is a question that I imagine can only be answered at the point of death. There are many emotions inexplicably linked with death, the above examples are just a few I imagine. Speaking from a very 'personal' level I don't fear death itself, at all. I know those that I leave behind will carry on and in their own way 'deal' with my death. I am a little concerned about the manner in which I die, I would rather it was a 'comfortable' death, and if at all possible I will ensure that this is the way I want to go,:eek:. But fear of death is one emotion that I don't have at the present time. You never know, when the actual time comes I may well go down kicking and screaming, I don't know, but all I can talk about is the present and what I feel right now. I truly am not sure what happens after death, I hope there is more, I really do, I hope I am proved right in the long run.:wubclub:.:wubclub:. I have come fairly close to death on one or two occasions and all I can say is that I still didn't fear it, just accepted that this was the time and onwards and upwards. So, how do view your death, I know this could be viewed as a very depressing thread, sorry folks, but thought I would ask anyway. Cheers Tony.:wink:
  13. Guest

    Death, Black Style.

    Just been watching a programme on a community of black people in Miami. Unfortunately a death occurred within one family and as normal there were tears, sorrow, etc, BUT. When the funeral came along in their local community church the atmosphere was so different to what we do. No rights or wrongs I guess, but the black congregation did seem to 'celebrate' the life of the poor fella involved. Of course there were tears and sadness, but they were dancing, singing, all sorts of shinanaghans going on. As I said I'm not saying either is right or wrong, our way of doing things or the black community involved. Not saying they were having a good time either, but it did seem to me that the congregation had a 'better' attitude to the passing of a loved one, could be wrong though. So just why do 'we' seem to have a completely view of funerals and death. After all they were christians as well, but the actual funeral seemed to a wholly different animal to the one I have experienced. I know which funeral I would rather have been at, well, the 'feel' of it anyway. Cheers Tony.
  14. Just seen this on sky news :sad: Oz Immigration Death: British Man Named Australian Immigration Centre Death: British Man Named As David Saunders | World News | Sky News
  15. BritChickx

    Death - How do you deal with it?

    7-12 I did a 5 hour sit for someone who was dying....2 hours after I finished I go a call from someone from the office to tell me she passed away :cry: I could not stop crying, in fact, I am now. I've never lost anyone close me and I feel like I need to get used to it now, especially if I wanna be a nurse. How do you deal with it? I can't stop crying :cry: it's so hard not to get attached to people.
  16. Guest

    Death and Achievement

    Yes, I am on a bit of a downer this month, still the happy pills are beginning to take effect, SO. If your days were ended today (God Forbid, I wish you all a long and happy life) would you be happy with what you have done, achieved, not achieved with your life. Career, family, house, but more importantly what you have achieved as an individual. Do you feel as if there would be something missing from your life if it were to end tomorrow. From a personal perspective all I can is that whilst I have led a fairly fulfilling and adventurous life I will always feel something was missing, no matter what I achieve or conquer. I am always striving to change the world, (in a tiny way) and if I haven't done this by the time I depart I won't think my life has been totally worthwhile. I have a loving and caring family, who I would die for, and I have been very fortunate in my life to have seen and done as much as I have, AND. I also know that there are people out there who's lives are a complete nightmare, and compared to my own I cannot hope to comprehend how they feel, I KNOW that. But I can honestly say that until I achieve certain things then I will always feel as if something is missing. I'm generally very happy and the life and sole, but underneath I always feel as if I could do more in the grand scheme of things. This thread isn't about me, it is about how YOU feel about your own lives and would you be content if the dreaded day ca,me tomorrow. I know the thought of loved ones will always affect our opinions and in relation to this I would say that I have achieved everything with my family, a loving and caring home where for the most part we are ALL happy. But there is always something I feel lacking in MY life. Something that I think is unachievable but I will always strive to get there, wether this happens or not is in the hands of the Gods and my own. All I can do is plug away and work to that goal, I am now working about 18 hours a day in the hope that this will come about, so maybe because I am a tad tired this may have reflected in some of my posts this week, I'm not normally one to jump down peoples throats, honest guv, and I apologise if this has been the case. As my new user name could infer, I may be about to follow one of my brethern over the cliff. I can assure you that this is not the case at all, (unlucky for some:laugh:) Just bloody fed up with constantly questioning myself, when in reality I KNOW that for the most part my life is perfect, well nearly. As I said, I apolgise for the tenure of this post, I'll get over it, I normally do, but thought it a question worth asking. Sorry if I have upset anyone. Cheers Tony
  17. Hi Just wondered if anyone knew the answer to this or where to go to for the answer? My in laws has just been involved in a car crash and my father in law has sadly died from his injuries. My husband will be returning to England as soon as a funeral date of his dad is arranged but our PR visa expired May 09. We are not yet Citizens so I know we need a resident return visa- does anyone know where we get one? Also how much are they? Also does anyone know of the cheapest way of getting a return flight- where to go etc? I would appreciate any help. We feel pretty useless for our family and SOOO far away Thanks, Kelly.
  18. Guest

    Death under 457 visa

    Hi, I would like to know when a person who is a 457 visa holder dies in oz and he doesn't have any relatives living with him there. What's the stand of the australian government in terms of bereavement expenses? Who is suppose to shoulder the expenses for the shipping of the deceased? Do we have a document or a reference regarding an unfortunate situation such as this? ~elle2010
  19. janmal

    Death of sponsor

    Visa applied for in October 2008 with all required paperwork. Aunt who was our sponsor has sadly died. Where would we stand with our application now? Would my uncle who was also named and certified on all the documentation able to continue as our sponsor? Would we need to apply again!
  20. From: Michael Jackson's death a murder case: report
  21. http://www.sbs.com.au/news/article/1017221/$100,000-reward-to-find-man%27s-attackers
  22. just out of interest does anyone believe in life after death , i would like to think so having experienced communiation with relatives and friends that have passed away ,through a spirtualist. what are your views ?
  23. Original link : The death of final salary schemes? - Investors Chronicle Here is the content: The UK pensions landscape has for years been characterised by a 'great divide'. On the one hand sit employees of large companies or the public sector with gold-plated defined benefit (DB) schemes, from which they will receive a guaranteed retirement income linked to final salary. On the other hand employees in inferior defined contribution (DC) pension schemes have no guarantees; their retirement income is dependent on the fortunes of financial markets. In the private sector at least, many more will soon be exposed to that fate. Already, many private sector DB pension schemes have closed to new entrants, and the most recent downturn is only expected to hasten the decline of those that remain. Companies say factors such as increasing longevity and tighter regulation are making it difficult for them to keep future liabilities under control. The National Association of Pensions Funds predicts that 52 per cent of DB pension schemes currently open to new members could yet close due to the financial crisis. This is equivalent to the closure of 1,000 UK private sector schemes. According to the NAPF's findings, over the last five months, the likelihood that employers will make changes to their scheme has increased significantly. Get out now? Should members view the uncertainty around the future of final salary schemes as a signal to transfer out? The answer is that getting out is unlikely to make much financial sense. The winding up of DB schemes could mean a big loss in a DB saver's potential pension benefits, as well as a transfer of investment risk from the employer to the individual. Mike Morrison, head of pensions development at Axa Winterthur Wealth Management, explains: "These individuals will presumably have to take out a DC alternative, and have to work out a level of contribution and a risk profile to project forward to the level of benefit that they would like to get at retirement. All of which could be ruined by a fall in the markets just prior to retirement." Besides, when a DB schemes close - either to new members or to existing members - the law requires the employer to make sure there is enough in the kitty to pay the pension benefits accrued to date. If the employer goes bust, the Pension Protection Fund (PPF) picks up the tab. Pension safety net The PPF will provide two levels of compensation. For someone who has reached their scheme's normal pension age or, irrespective of age, is either already in receipt of survivors' pension or a pension on the grounds of ill health, 100 per cent compensation will be paid. For anyone below the scheme's normal pension age, the fund will pay a 90 per cent level of compensation of the pension accrued before the scheme entered the PPF assessment period. Robin Ellison, former chairman of the NAPF and a senior partner at lawyers Pinsent Masons, says that it is possible that the 90 per cent protection could be reduced if the economic crisis leads to large numbers of schemes relying on the PPF. However he believes that people who are in DB schemes still have much better overall protection than anything else they can invest in. If an employer has been declared insolvent and the pension scheme has subsequently passed through the PPF assessment period, which usually lasts for between two and three years, the PPF will value the scheme in a completely different manner to that of a traditional pension fund. The part of compensation that is derived from pensionable service on or after 6 April 1997 will be increased by the PPF each year in line with the Retail Price Index capped at 2.5 per cent, which could result in a lower rate of increase than the original scheme would have provided. Compensation paid is subject to an overall cap, which, as of April last year, equates to £27,770.72 at age 65. The cap will be adjusted according to the age at which compensation comes into payment. Current compensation cap factors can be found on the PPF's website. Endangered species Given that employers running DB schemes are under increasing financial pressure to close these schemes and provide alternative pension arrangements, will there be a massive exodus from DB schemes? Tom McPhail, head of pensions research at Hargreaves Lansdown, says for now there is enough money, but most schemes are in deficit. "The aggregate deficit is circa £190bn, with only around 10 per cent of schemes in surplus - so the longer the downturn goes on, the more likely it is that employers will look to negotiate reductions in benefit structures such as removing inflation proofing and increasing member contributions." According to Mr Ellison, the real question is the degree of risk in a DB scheme, which while it is not nil, is still relatively low. "Also even if there is a failure, it is virtually unheard for there to be a total collapse. Most people would get 70p in the pound or 80p in the pound, even if the PPF did not exist." Those lucky enough to be in a DB scheme may want to think twice before waving goodbye to these benefits. Mr Ellison says: "Unless they are keen on investment decision making, and are prepared to take a loss on the level of their pension, they should reflect very hard on transferring out of DB. They are sacrificing an employer guarantee plus a PPF support system in exchange for having the freedom of investment." The alternatives Jamie Clark, occupational pensions marketing manager at Scottish Life, says trustees and employers have several options if a scheme is closed to new entrants, future accrual or both. If closed to new entrants, but not future accrual, members could be asked to start paying, or pay more, for their benefits. If the scheme is being closed to future accrual and new entrants, members may be offered a DC scheme instead, which effectively shifts the risk to the members by removing the cost to the employer of the guarantee of a defined level of income in retirement. "DC schemes are reliant on two main things - the contributions paid, in total, by employer and employee and the investment returns achieved," explains Mr Clark. "Some schemes may simply not have enough contributions going in or they may not have suitable investment choices which will mean that there may not be enough to provide the level of income that would have been available at retirement under the DB scheme." Alternatively, members may be incentivised by way of a cash sum or an increased transfer value from the employer to transfer out of a scheme where the funds held are insufficient to provide a full transfer value of their benefits. The risk here is that the top-up to the transfer payment, or cash offered, could be far less than the actual value of the benefit being given up. While shifting from DB to a DC typically means greater costs and the lost of a guaranteed level of income at retirement, there are some circumstances where switching might make sense. Flexibility could be one motivation for switching over, according to Ashish Kapur, head of European Institutional Solutions for SEI, a global provider of pension fund solutions. For example if an individual is a smoker and their company pension does not offer a smoker's annuity at retirement, they might then wish to opt for a private pension which does have this option. This could result in a higher retirment income. Alternatively, if an individual has the desire to choose and control investments going into their pension fund, they might choose to switch from a DB scheme to a self-invested personal pension (Sipp). Mr Ellison, however, advises that this should only be considered by individuals who have other income, are relaxed about accepting investment risk and have a pension pots of around £150,000 or more. There is, however, no blanket answer that applies to all schemes, as Mr Kapur explains: "Each final salary scheme is in a different situation and the decision to transfer out or not should be based on the reasons why the scheme is closing. If the employer is in trouble, then removing your money might be a consideration. However, if an employer is purely setting up a DC scheme to better manage future risk but is still willing to make the same level of contributions, then chances are that the scheme will still be reasonably well funded. Just because a DB scheme is closing down, does not necessarily mean bad news - you need to take it from an employer by employer perspective."
  24. Guest

    Near Death Experience II

    Well,we had one of those moments when your life flashes before your eyes today/or your pants suddenly fill /or both We were on the boat off of Brighton,Adelaide -just having a toddle around and dropping a line. I knew the wind and waves would blow up in the afternoon so stayed close to West Beach where we had launched from. Slowly the wind and waves did build up so time to go in. The waves were coming side on (beam on) but not too big.I was enjoying a bit of rough and put into practice what I've learnt from an experienced boatie. Until a freak wave picked us up a good few metres high and slapped the boat over to one side. I reckon a few more centimetres over and we would have been swimming. (Insert own swearwords here..............................) I've never had a wave grab like that - fortunately remembered some of what my boatie mate taught me and hit the throttle hard. Slap!,the boat came down again and I managed to find clear water. Just goes to show you must be prepared for anything out there - please take note anyone considering buying a boat - it's tough!!! That was a real curved ball out of nowhere - the wave was a lot bigger than the others. Anyway we managed to get back in OK - and calmed down. But just to top the day off .......returns home to find our hot water system has burst open - yard drowned and no hot water Plus we seem to have an invasion of wasps here,must have had 40+ buzzing me when I was washing the boat/tackle down.Didn't know they were so attracted to fish/bait. Apart from that we had a great day!
  25. my xbox has got the red ring of death !!!:arghh: just wondering if any 1 knows how to fix it?? Sorry question not about oz thnkz mophead