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Inheritance rights of cohabiting couples

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Question: My partner and I have two young children together. We live together but we are not married and haven’t got around to making our wills. If something happened to one of us, would we automatically be entitled to each other’s estate?

Answer: It is important for you and your partner to discuss the matter of inheritance sooner rather than later. Because you are not married, neither of you is automatically entitled to inherit anything from the other. If your partner dies without a will, you have no right to any share of their estate no matter how long you have been together. So, for example, if you live with your partner but they own the house, you could be left in very difficult circumstances if they were to die unexpectedly.

If you own items jointly, these automatically pass to you and are not part of your partner’s estate. However, you might need to pay Capital Acquisitions Tax if the inheritance is above a certain threshold or value.

If your partner has not made a will or has not provided for you, you may be able to apply to the courts to provide for you from your partner’s estate. This is known as the redress scheme for cohabiting couples. If you get redress by a court under this scheme, you may be exempt from paying Capital Acquisition Tax.
However, making a will can ensure that proper arrangements are made for you and your dependants and that any property is distributed in the way you both wish, subject to certain rights of spouses and children. Tax planning advice can help reduce or minimise the amount of tax your partner or family must pay. A solicitor can help you draft a will or you can draft one yourself.
You can read more about inheritance rights of cohabiting couples on citizensinformation.ie.

During COVID-19, you can find comprehensive integrated information online at citizensinformation.ie/covid19/ and you can get daily updates on what’s changed on Twitter at @citizensinfo.

You can also get information and advice from:
Tralee on Tel: Call 0761 07 7860, Monday – Friday (10am-4pm)
The Citizens Information Phone Service: Call 0761 07 4000, Monday to Friday, 9am – 8pm
Our national call back service: Visit citizensinformation.ie/callback to request a phone call from an information officer

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The tax you’re really paying for your health

By Brian Foley from Activate Fitness With the budget just squared away, there’s always an air of “how did I do out of it?” In Ireland, we enjoy a public healthcare system which is touted to become a universal healthcare system. Maybe “enjoy” is the wrong word. We have it, and we use it, and, […]

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By Brian Foley from Activate Fitness

With the budget just squared away, there’s always an air of “how did I do out of it?”

In Ireland, we enjoy a public healthcare system which is touted to become a universal healthcare system. Maybe “enjoy” is the wrong word.

We have it, and we use it, and, of course we pay for it. We justify the constant ratcheting-up of our tax burden to pay for rising health-care costs. That tax is on our wallets.

We also pay another type of tax: When we’re unhealthy, we don’t get to do the things we like. When we’re overweight, we don’t always say “YES!” when our kids ask to go to the swimming pool.
When we’re unfit, we don’t take our buddy’s invitation for a weekend hiking and camping trip. We can’t start jogging because our knees hurt; can’t lift weights because our back hurts; can’t cut down calories because we feel we need the energy.

Those things are taxes. Physical taxes, but they’re not the worst taxes we pay.

The worst tax we pay is the mental tax.

When we’re self-conscious about our fitness or health, we don’t want to start exercising. We don’t want to look dumb or fail.

We don’t want to start a new lifestyle because our families will say “good for you”, because they know we need it, or they’ll say “you don’t need that …” and lie. Or they’ll roll their eyes because they know we’ve failed before.

When we’ve been away from the gym for four months, we don’t want to do that first workout because we’re going to be last. It’s going to suck and we might get embarrassed.

SELF IMPOSED TAX

The Government makes us pay financial tax, but the other two – physical and mental – are self-imposed.

No one cares if you’re slow.

No one cares if you finish last.

No one cares if you blow your nutrition this week and have to start all over again.

You’d stop caring about what others thought about you if you realised how rarely they actually do.

Everyone thinks about themselves, mostly. That’s the tax they’re paying – and most of us overpay.

We’re taxed enough. Stop worrying about what you look like and start caring about what makes you feel good.

If you’d like to start taking steps in the right direction with your health and fitness, call in for a free consultation with us at Activate. Visit www.activate.ie/free-intro for more information.

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Serums give your skin a much needed boost

By Jill O’Donoghue from Killarney Toning and Beauty Studio Serums are much loved for their great results and concentration of active ingredients. Moisturisers tend to have five to 10% of active ingredients, while serums can contain anything up to 70%. They have more targeted results such as firmness, reduced wrinkles and hydration, helping acne, oily […]

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By Jill O’Donoghue from Killarney Toning and Beauty Studio

Serums are much loved for their great results and concentration of active ingredients. Moisturisers tend to have five to 10% of active ingredients, while serums can contain anything up to 70%.

They have more targeted results such as firmness, reduced wrinkles and hydration, helping acne, oily skin etc. Serums are easily integrated into your skincare routine. They absorb in to the skin quickly allowing immediate application of day or night cream, so no excuses. It won’t add any extra time to your skin care routine. It is very important to apply day or night cream to lock in the active ingredients and protect your skin. Serum will give your skin a much needed boost depending or your requirements and skin concerns.

There are so many Sothys serums available, but the newest one is truly amazing. Sothys LC Lactic dermobooster serum with 10% lactic acid, is the safest and most effective amount of lactic acid to use on your skin. It’s essential to wear SPF when using lactic acid products.

It helps to brighten the complexion, diminish the appearance of dark spots and preserves the youthful radiance of the skin. This serum defends, uses peptides to detox, and provides antioxidants to neutralise free radicals that can otherwise damage skin. The serum brightens and rejuvenates by 10% glycolic acid to stimulate the natural renewal process.

Glycolic acid is an Alpha-Hydroxy acid that exfoliates dead skin cells and eliminates acne causing bacteria, detoxes the skin with peptides, encourages brighter, renewed skin with glycolic acid. Neutralizes free radicals with antioxidants.

For more information or to book a skin consultation call Jill on 064 6632966.

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