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restera-t-il, ou partira-t-il? L’avenir de Mbappe au Paris Saint-Germain incertain

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restera-t-il, ou partira-t-il?  L’avenir de Mbappe au Paris Saint-Germain incertain
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Kylian Mbappé restera-t-il au Paris Saint-Germain ou partira-t-il cet été ? Pourrait-il négocier un nouveau contrat avec les champions de France ?

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AFP Sport examine toutes les options sur la table après que la superstar française a déclaré qu’il n’activerait pas de clause pour prolonger son contrat actuel avec le PSG jusqu’en 2025, ce qui signifie qu’il sera agent libre l’année prochaine.

Bluff ou décision finale ?

Le joueur de 24 ans a surpris tout le monde lorsqu’il a décidé en mai dernier de signer un nouveau contrat avec le PSG, quelques jours seulement avant l’expiration de son précédent contrat.

Le président du PSG, Nasser al-Khelaifi, a annoncé la nouvelle, sur la pelouse du Parc des Princes avant le dernier match de l’équipe de la saison 2021/22, alors que le joueur posait avec un maillot portant “Mbappe 2025” dans le dos.

A l’époque, le club avait communiqué que Mbappé avait signé une prolongation de trois ans, mais en réalité il s’agissait d’un contrat de deux ans (jusqu’en 2024, donc) avec possibilité d’une troisième année que le joueur lui-même pouvait choisir d’activer, ou pas.

Mbappe a déclaré lundi dans une lettre au club qu’il n’activerait pas cette option.

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Le fait que Mbappe ait pris cette décision avant la date limite fixée au 31 juillet pourrait être interprété comme une décision définitive et qu’il ne changera plus d’avis.

Cependant, cela pourrait également être considéré comme faisant partie d’une lutte de pouvoir avec Mbappe cherchant à obtenir de nouvelles garanties sur l’équipe que le PSG alignera la saison prochaine, et peut-être plus d’argent.

Le PSG va-t-il vendre ?

Lundi soir, la direction du PSG a clairement exprimé sa colère après que la lettre que Mbappe venait de leur envoyer ait été divulguée dans la presse. Le club a immédiatement diffusé un message pour dire qu’il ne serait pas manipulé par un joueur, même sa star la plus grande et la plus précieuse.

La position du club semble être qu’il ne permettra pas à Mbappe de partir gratuitement en 2024, ce qui sera le cas s’il reste un an de plus sans convenir d’un nouvel accord.

Cela signifie que les seules options sont de négocier de nouvelles conditions ou de vendre au plus offrant dans la fenêtre de transfert actuelle, qui se déroule jusqu’au début de la saison prochaine et se termine le 1er septembre.

Cependant, le joueur a indiqué dans un communiqué transmis à l’AFP mardi qu’il n’avait jamais évoqué la prolongation de son contrat avec le club et a déclaré avoir soutenu “publiquement ces dernières semaines qu’il serait joueur du PSG la saison prochaine”, qu’il n’avait “pas demandé de partir cet été”.

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Combien vaut Mbappé ?

Mbappe a signé pour le PSG de Monaco sur un prêt d’une saison en août 2017, qui s’est transformé en un transfert permanent l’année suivante dans le cadre d’un contrat de 180 millions d’euros (195 millions de dollars).

Le vainqueur de la Coupe du monde 2018, qui a réussi un triplé lors de la finale de la Coupe du monde l’an dernier alors que la France s’inclinait face à l’Argentine aux tirs au but, exigerait des frais de transfert énormes si le PSG décidait de vendre maintenant.

Le PSG aurait refusé une offre de 200 millions d’euros du Real Madrid en 2021, alors que Mbappe entrait dans la dernière année de son précédent contrat.

Le site spécialisé Transfermarkt donne la valeur actuelle de Mbappe à 180 millions d’euros, et on imagine mal le PSG accepter de vendre sa superstar moins cher que ce qu’il a payé pour lui.

Le seul joueur jamais vendu plus cher est Neymar, que le PSG a signé pour un record de 222 millions d’euros depuis Barcelone en 2017, quelques semaines avant de recruter Mbappe.

Où pourrait-il aller ?

Le Real Madrid est la destination évidente, étant donné que les géants espagnols veulent signer Mbappe depuis son adolescence. Interrogé par un fan dans la rue le week-end dernier s’il allait signer Mbappe, le président du Real Florentino Perez a répondu : “Oui mais pas cette année”.

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La décision de Karim Benzema de quitter Madrid après 14 ans et de s’installer en Arabie saoudite signifie néanmoins que le Real pourrait faire un pas en avant pour un nouvel attaquant maintenant. Le quotidien sportif espagnol Marca a publié mardi une photo de Mbappe en première page. “Il est de retour à portée de main”, lit-on dans le titre.

Cependant, il reste à voir si le Real pourrait se permettre de débourser les frais nécessaires après avoir déjà accepté de payer au Borussia Dortmund un peu plus de 100 millions d’euros pour le milieu de terrain anglais Jude Bellingham.

La seule autre destination réaliste pour Mbappe serait l’Angleterre, compte tenu de la puissance financière des principaux clubs de Premier League.

(AFP)

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Crowds hurl mud at Spanish king on visit to flood disaster town

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Furious locals hurled mud and insults at Spain’s king, queen and prime minister on Sunday in a startling show of anger in the worst hit town in the flood disaster that has killed more than 210 people. More heavy rain fell on the Valencia region after King Felipe VI, Queen Letizia and Prime Minister Pedro Sanchez were forced to leave Paiporta where more than 70 people died in floods last Tuesday.

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My doctor asked if I wanted to keep my IUD of 9 years to wear as jewelry – turns out this is a weird trend

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My doctor asked if I wanted to keep my IUD of 9 years to wear as jewelry – turns out this is a weird trend
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When getting my IUD birth control replaced in my doctor’s office, it wasn’t the pain that shocked – it was the question I was asked following the procedure.

‘Would you like to keep it?’ New York-based OB/GYN Dr Yuliya Boruch inquired as she held the device she just removed from my body up for me to see. 

Assuming she was joking, I awkwardly replied ‘no’ (I had no desire to carry it home on the New York City subway) and studied her eyes waiting for her to crack a smile – but no, she was deadly serious.

Dr Boruch revealed an increasing number of her patients ask to take the T-shaped device – a long-term form of birth control inserted into the uterus – home where they fashion them into wearable pieces of jewelry.

‘Several of my patients have also framed them and put them on their walls at home,’ she added.

Dr Boruch told me she now asks all of her patients if they would like to keep their IUDs as she has noticed the emerging trend.  

A quick Google search shows ‘IUD jewelry’ is indeed a thing to ‘celebrate femininity’ and ‘spread awareness about birth control.’

‘I’m clearly behind the times,’ I thought.  

An IUD is inserted into the vagina via a small tube and passes through the cervical opening and into the uterus

An IUD is inserted into the vagina via a small tube and passes through the cervical opening and into the uterus

One of the top results that came up was a Reddit post titled ‘I made my old IUD into a necklace.’

In the post, the Redditor explains how she had an IUD for five years and had a great experience with it: ‘No major cramping, less weight and mood fluctuation than being on the pill, and a very sparse/almost nonexistent period.’

When she had it removed and replaced she asked her OB/GYN if she could keep it. 

She continued: ‘I took [my IUD] home, soaked it in hot dish soap water and scrubbed it VERY well, then went to a friend’s house who taught me how to make resin jewelry.

‘Made this necklace to celebrate femininity, birth control access, and my own inner strength! I’m happy to share this piece to spread more birth control awareness.’

A photo of her IUD pendant shows the device encapsulated in resin, with small flowers and butterfly motifs surrounding it.

An IUD is one of the most effective forms of birth control, with more than a 99 percent success rate at preventing pregnancy.

There are two types of IUDs – copper and hormonal. The first releases a small amount of copper into the uterus, which creates an inflammatory response that is toxic to sperm and eggs.

One creative Redditor shows how she made her IUD into a resin pendant with flowers and butterflies framing it

One creative Redditor shows how she made her IUD into a resin pendant with flowers and butterflies framing it

Many women reveal on social media how they have been creative with their old IUDs

Many women reveal on social media how they have been creative with their old IUDs 

The latter releases a small amount of the hormone progestin, which thickens cervical mucus and makes it difficult for sperm to reach an egg. It may also stop an egg from being released from the ovaries. 

According to the 2023 National Health Statistics Reports on contraceptive use – the latest year available – 20 percent of sexually active women between 15 and 49 years old reported ever using an IUD between the years of 2015 and 2019. 

But there is no information on how many women save their IUDs.  

Getting an IUD is a minor procedure during which a doctor inserts a speculum into the vagina and uses a small tube to pass the IUD through the cervical opening and into the uterus. 

To remove the device, a doctor will pull on small strings attached to the bottom of the IUD through the vagina. 

It is after this removal when people apparently request to take their IUD home with them.  

Further into my search on TikTok, I found dozens of other women who had taken their IUDs home to make jewelry and décor. 

Content creator @i.love.almondbutter shows how she made an earring with her old IUD, while @claraburke42069 turned hers into a necklace and asked her followers if it was appropriate to wear to work.

TikTok user Camille Schim filmed herself going to a craft store for supplies to turn her old IUD into wall art

TikTok user Camille Schim filmed herself going to a craft store for supplies to turn her old IUD into wall art

Schim washed her IUD in the kitchen sink and showed off her framed device

Schim washed her IUD in the kitchen sink and showed off her framed device

Kicking creativity up a gear, @adrienneog took her old IUD home in a medical specimen cup and turned it into an accessory for her car. She spray painted it gold, attached it to a chain and hung it from her rearview mirror. 

Meanwhile, @camilleschim took her followers on a trip to a craft store to buy a shadow frame to make her IUD into a piece of wall art. 

She filmed herself washing her IUD in the kitchen sink and then showed off her device in a frame surrounded by pink flowers.  

‘We were besties these last five years,’ the TikToker wrote in the caption. 

While commenters have deemed these repurposed IUDs ‘cute’ and ‘adorable,’ others call these projects ‘gross,’ weird’ and added: ‘ I hope you don’t wear it. Kinda weird.’

One Reddit user contemplated taking it home, but said her old IUD was ‘covered in uterine gunk.’  

Dr Boruch told me the devices are completely safe to hold on to, but ‘they should be cleaned with soap, water and alcohol wipes, as after all, they have been sitting inside the uterus for a good number of years… in some cases a decade.’

The gynecologist added: ‘Surprisingly they come out fairly clean, but there are always a few drops of blood following the removal.

‘The out of pocked cost for an IUD is $1,200 to $1,500 depending on the brand if you don’t have insurance, so it certainly makes for an expensive piece of jewelry!’

No matter public opinion or doctor recommendations, I’m glad I turned the offer down. 

RIP to my IUD – it was nice knowing you. 

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US Election 2024: What issues are important to young people?

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Just a few days to go until millions of Americans will vote in the US election. In a tight 2024 race, young voters could play a crucial role in deciding the next US president. What issues are important to young people?

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Carlo Ancelotti ‘identifies Kylian Mbappe as Real Madrid’s BIGGEST problem’ with one of the striker’s major issues hurting the rest of the team

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Carlo Ancelotti ‘identifies Kylian Mbappe as Real Madrid’s BIGGEST problem’ with one of the striker’s major issues hurting the rest of the team
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  • Kylian Mbappe is struggling to convince Madrid supporters after joining the club
  • Madrid boss Carlo Ancelotti has reportedly identified Mbappe as a big problem
  • LISTEN NOW: It’s All Kicking Off!, available wherever you get your podcasts. New episodes every Monday and Thursday

Kylian Mbappe has been identified as the biggest problem in Real Madrid’s current struggles by manager Carlo Ancelotti, according to reports.

The Frenchman was hailed as Madrid’s blockbuster summer signing after refusing to extend his stay at PSG and signing as a free agent with the reigning Champions League holders.

However, life in Spain’s capital has been far from plain sailing for the superstar striker who’s arrival has coincided with Madrid struggling to mount convincing defences of both their LaLiga and European triumphs.

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Barcelona recently thrashed Madrid 4-0 in El Clasico to establish a nine-point lead over their rival with Mbappe frustrating Los Blancos fans with his finishing and tendency to stray offside during the match.

His preference to be deployed as a central striker has also forced Jude Bellingham into a deeper lying midfield role with the Englishman yet to score this season after a previous breakthrough campaign at the Santiago Bernabeu.

Carlo Ancelotti ‘identifies Kylian Mbappe as Real Madrid’s BIGGEST problem’ with one of the striker’s major issues hurting the rest of the team

Kylian Mbappe has reportedly been identified as the biggest problem in Real Madrid’s current struggles

Madrid boss Carlo Ancelotti (right) is struggling to get the best out of Mbappe (left)

Madrid boss Carlo Ancelotti (right) is struggling to get the best out of Mbappe (left)

Mbappe ran just 8km during Madrid's recent embarrassing El Clasico defeat against Barcelona

Mbappe ran just 8km during Madrid’s recent embarrassing El Clasico defeat against Barcelona

Ancelotti has previously stressed he wants to see more from Mbappe, but is now blaming the 25-year-old for his inability to help the team when out of possession, as reported by Relevo.

It is claimed Mbappe has been identified as the team’s biggest problem with his lack of effort in running showing the World Cup winner only ran 8km during Madrid’s embarrassing El Clasico defeat.

The star’s refusal to help his team-mates regain possession has caused an imbalance in Madrid’s set-up that is making them more open and susceptible to counter-attacks.

Ancelotti has reportedly identified Mbappe's lack of defensive contribution as a major problem

Ancelotti has reportedly identified Mbappe’s lack of defensive contribution as a major problem 

Mbappe’s current goal return of just eight goals in 14 matches across all competitions hasn’t been enough to convince club chiefs they have made the right decision in bringing the forward to Madrid.

Meanwhile, PSG are excelling without Mbappe, currently topping the Ligue 1 table and producing more collective team performances in the Frenchman’s absence who left amid sour circumstances.

Arsenal and Les Blues legend Thierry Henry recently praised the French giants for improving without Mbappe who was previously the central figure in the team.

‘They are a bit more stable, less counters. But they still lost Mbappe,’ Henry told CBS Sports. 

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Prix Goncourt: Kamel Daoud wins France’s literary prize for Algerian Civil War novel ‘Houris’

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Prix Goncourt: Kamel Daoud wins France’s literary prize for Algerian Civil War novel ‘Houris’
French-Algerian writer Kamel Daoud has won the Prix Goncourt, France’s most prestigious literary prize, for his novel set during the bloody “Black Decade” that tore apart his native Algeria at the end of the 20th century.

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Arsenal sporting director Edu is LEAVING the club – in a major blow to Mikel Arteta as he loses key ally who masterminded their transformation and signed Martin Odegaard and Declan Rice

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Arsenal sporting director Edu is LEAVING the club – in a major blow to Mikel Arteta as he loses key ally who masterminded their transformation and signed Martin Odegaard and Declan Rice
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Mikel Arteta is to lose a key ally at Arsenal with highly rated sporting director Edu set to leave the club.

The Brazilian, a former Arsenal midfielder, has been responsible for capturing key signings such as Martin Odegaard and Declan Rice and in leading Arsenal’s strong performance in recruitment and delivering key players to the club.

He is widely thought of as one of the leading sporting directors in world football for masterminding the change in Arsenal’s signing surge as well as supporting the offloading of troubled stars such as Pierre Emerick Aubameyang, who were considered to be part of a failed past.

Talks have been ongoing with the club’s hierarchy and while the reasons are currently unclear, it is his decision to go. More details are expected to emerge in the next 24 hours.

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It is thought there may have been a reshuffle in responsibilities among the Arsenal hierarchy in key positions but it is ‘too simplistic’ to suggest there has been a power struggle, one source told Mail Sport.

Arsenal sporting director Edu is LEAVING the club – in a major blow to Mikel Arteta as he loses key ally who masterminded their transformation and signed Martin Odegaard and Declan Rice

Arsenal sporting director Edu (centre) is set to leave the Gunners after five years at the club

The Brazilian has been a close ally of Mikel Arteta as they have led a cultural shift at the club in recent years

The Brazilian has been a close ally of Mikel Arteta as they have led a cultural shift at the club in recent years

Edu, regularly photographed by the club photographer alongside new signings and quoted in official club releases, has been the driving force behind a cultural change at the club since he took the role in 2019.

He was appointed because he ‘gets the club and what is needed.’

One former team mate said ‘there is a class about the guy’.

Then director of football Raul Sanileh said: ‘We’re very excited that Edu is joining the team. He has great experience and technical football knowledge and most importantly is a true Arsenal man. He understands the club and what we stand for to our millions of fans around the world.’

Edu, 46, has said in an interview that he is proud to have supported Arteta in ‘changing how people see our club and the vision people have of Arsenal compared to the past.’

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A cultured Brazilian midfielder, he was signed by Arsene Wenger and played for the Invincibles with team-mates such as Dennis Bergkamp, Patrick Vieira and Martin Keown.

‘I want to win the best way possible,’ he added. ‘When we win the trophy, it is because we did it the right way. Ask every single Arsenal fan how they feel about that.’ He spoke after Arsenal lost out in the title race against Manchester City.

His departure will be felt among the Arsenal fan base who will await a club announcement about the reasons behind the decision with interest.

Arsenal play in Milan on Wednesday with Arteta due to speak on Tuesday when he will be asked about Edu’s departure and what this means to him personally.

Edu was instrumental in bringing top talents to the Emirates including Declan Rice in 2023

Edu was instrumental in bringing top talents to the Emirates including Declan Rice in 2023

Little is known about why the executive is set to move on from his role with more details expected to emerge in the next 24 hours

Little is known about why the executive is set to move on from his role with more details expected to emerge in the next 24 hours

Keown, a Mail Sport columnist, said this about Edu’s appointment that eventually lead to an elevation to the Sporting Director role

‘I think it is very interesting because he understands this role and he understands the expectancy at Arsenal,’ Keown said in 2019.

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‘He cannot really affect it on the training ground. but he will be able to address things with the processes at the club.

‘He is a great guy who was also greatly underestimated, to be honest. It was a big loss when he left the football club because there was an element of class to him. I am pleased that the club has recognised that ‘

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Asia view: Fewer Chinese students attend US schools

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Asia view: Fewer Chinese students attend US schools
We delve into life in Asia in our weekly “Asia View” segment with FRANCE 24’s Beijing correspondent Yena Lee. She explains why the number of Chinese students studying in the US is dropping.

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The Deliveroo map of Britain: Interactive chart reveals the 30 favourite dishes ordered across the UK – from a whole CUCUMBER in London to protein bars in Brighton

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The Deliveroo map of Britain: Interactive chart reveals the 30 favourite dishes ordered across the UK – from a whole CUCUMBER in London to protein bars in Brighton
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Whether it’s a cheeky burger or a healthy Poké Bowl, it’s safe to say that Britons love a takeaway. 

Now, Deliveroo has lifted the lid on our ordering habits. 

The online food delivery company has unveiled the top 30 trending dishes on its UK platform this year. 

The list includes some fairly predictable dishes, including pizzas, chicken wings, and cheeseburgers. 

However, it also includes some rather unexpected items, including a whole cucumber, protein bars, and unpasteurised kimchi.  

‘Customers are seizing every moment to explore new dishes and cuisines and dive into the latest food trends,’ Deliveroo said. 

‘From chocolate bars to chicken wings and super salads, this year’s list features a mix of global takeaway favourites, trending dishes, and grocery essentials. 

‘While familiar dishes and cuisines make a return, the 2024 list welcomes plenty of newcomers, including white wine, coffee, desserts, burritos, and a variety of sandwiches.’

The Deliveroo map of Britain: Interactive chart reveals the 30 favourite dishes ordered across the UK – from a whole CUCUMBER in London to protein bars in Brighton

In the UK, it appears that Britons are wild for wings, with the 8-piece boneless from Wingstop in London taking the top spot

The list includes some rather unexpected items, including a whole cucumber, protein bars, and unpasteurised kimchi

The list includes some rather unexpected items, including a whole cucumber, protein bars, and unpasteurised kimchi

In the UK, it appears that Britons are wild for wings, with the 8-piece boneless from Wingstop in London taking the top spot. 

This was closely followed by two salads in London – the SP Caesar from The Salad Project, and Seiz’a Caesar + Blackened Chicken from atis. 

Deliveroo users in Glasgow were enamoured with the Pepperoni Pizza from Frank’s Pizza, which was fifth on the list. 

Over in Birmingham, however, it was the Bananas from Sainsbury’s that really got users excited. 

Belfast users enjoyed the Burrito Bowl from Boojum, while users in Brighton loved ordering Protein Bars from Morrisons. 

In Manchester, it was the Burgerism Meal from Burgerism that topped the list, followed by the Haaland Schiacciata from the locally run Ad Maiora. 

‘Its Italian sandwich, “Haaland Schiacciata,” is dedicated to a certain local footballer,’ Deliveroo explained. 

‘It has a cult following of sandwich fans, including several professional Manchester football players, and boasts a 4.8-star Deliveroo rating and rave customer reviews exclaiming, “Believe the hype!”.

'Customers are seizing every moment to explore new dishes and cuisines and dive into the latest food trends,' Deliveroo said

‘Customers are seizing every moment to explore new dishes and cuisines and dive into the latest food trends,’ Deliveroo said

Deliveroo users in Glasgow were enamoured with the Pepperoni Pizza from Frank's Pizza, which was fifth on the list

Deliveroo users in Glasgow were enamoured with the Pepperoni Pizza from Frank’s Pizza, which was fifth on the list

A new entry for 2024 in the tenth position is a white wine from Co-op ordered most by residents in the capital

A new entry for 2024 in the tenth position is a white wine from Co-op ordered most by residents in the capital

Edinburgh users loved the Pad Thai from Tin Thai, which came in 19th on the list, while users in Bournemouth liked the Southern Fried Chicken Wrap from Chicken & Blues, which came in 17th. 

The Dirty Double Burger (Double Patty) from Oowee Diner was the takeaway of choice for Bristol-based users, while those in Southampton chose the Dirty Meal Deal from 7Bone. 

Those in Cambridge, meanwhile, opted from the Double pepperoni & spicy honey from Pizza Pilgrims. 

The rest of the top 30 were in London.  

Notable entries in the UK capital included Jerk Chicken and Chips from White Men Can’t Jerk, Build your own Poké Bowl from Poké Shack, Chicken Katsu Curry from Wagamama, and Chicken Ruby from Dishoom.

Meanwhile, a whole cucumber was bizarrely found to be one of the most popular items ordered in London. 

‘There is a new favourite grocery essential in baskets, as Londoners can’t get enough of the sell-out vegetable, cucumber, with Waitrose’s whole cucumber clinching fourth place,’ Deliveroo added. 

‘Additionally, a new entry for 2024 in the tenth position is a white wine from Co-op ordered most by residents in the capital.’

Deliveroo’s 30 UK top trending dishes ordered in 2024

  1. 8 Pieces Boneless from Wingstop London
  2. SP Caesar from The Salad Project, London
  3. Seiz’a Caesar + Blackened Chicken from atis, London 
  4. Whole Cucumber, from Waitrose, London 
  5. Pepperoni Pizza, Frank’s Pizza from Glasgow 
  6. Jerk Chicken and Chips from White Men Can’t Jerk, London
  7. Build your own Poké Bowl from Poké Shack, London
  8. Charred Harissa Chicken from Farmer J, London
  9. Bananas from Sainsbury’s in Birmingham 
  10. White Wine from Co-op, London 
  11. Chicken Katsu Curry from Wagamama, London
  12. Chicken Ruby from Dishoom, London
  13. Bowl from Chipotle, London
  14. Cheeseburger from Bleecker, London
  15. Burrito Bowl from Boojum, Belfast 
  16. Protein Bars from Morrisons, Brighton
  17. Southern Fried Chicken Wrap from Chicken & Blues, Bournemouth
  18. Burgerism Meal from Burgerism, Manchester
  19. Pad Thai from Ting Thai, Edinburgh
  20. Scrambled Eggs and toasted Dusty Knuckle Sourdough from Granger & Co, London
  21. Dirty Double Burger (Double Patty) from Oowee Diner, Bristol
  22. Dirty Meal Deal, from 7Bone, Southampton
  23. Build Your Own Remedy Bowl, from Remedy Kitchen, London
  24. 2 Meat and Rice Combo 雙拼飯, from Mama Li, London
  25. JOE´s Club Sandwich, Joe & The Juice, London
  26. Meal Deal for 1 from Black Bear Burger, London
  27. Flavoured Lemon Sparkling Canned Water from Supermarket of Dreams, London
  28. Double pepperoni & spicy honey from Pizza Pilgrims, Cambridge
  29. Unpasteurised Kimchi from Whole Foods, London
  30. Haaland Schiacciata from Ad Maiora, Manchester 

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Inside Nebraska’s key battleground district for the 2024 US election

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Inside Nebraska’s key battleground district for the 2024 US election
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Inside Nebraska’s key battleground district for the 2024 US election
If Donald Trump and Kamala Harris tie in the number of electors, the race for the White House could come down to Omaha County, Nebraska’s 2nd district. This is due to a specific feature of the state, which is one of only two – along with Maine – to allocate its electors by district and not purely at state level. While Nebraska may be very red, the 2nd district is more purple: the Democrats won it in 2008 and 2020. The outcome of this election, which promises to be extremely close, could be determined in this Midwestern “flyover” state. Fanny Allard and Fraser Jackson report.

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Can married couples inherit pension pots tax-free after the Budget changes? STEVE WEBB replies

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Can married couples inherit pension pots tax-free after the Budget changes? STEVE WEBB replies
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I have a question about the changes to tax on inherited pensions announced in the Autumn Budget.

From April 2027, if you are married and have unused defined contribution pensions when you die, will your spouse inherit the pension tax-free, as would be the case for the house, savings and so on?

Would your spouse then be able to draw on the pension at their marginal tax rate?

When your spouse dies, would the combined inheritance tax allowance then be applied to any pension remaining?

Thank you. I think many people my age would be interested to hear the answers.

SCROLL DOWN TO FIND OUT HOW TO ASK STEVE YOUR PENSION QUESTION 

Can married couples inherit pension pots tax-free after the Budget changes? STEVE WEBB replies

Pension change: Pots will count towards inheritance tax from April 2027, but where do married couples stand under the new rules?

Steve Webb replies: Before moving on to what changed in the Budget, it’s important to appreciate that the basic features of inheritance tax remained unaltered.

This means that:

– You still have a ‘nil rate band’ of £325,000 per person to set against the value of your estate. This figure will remain the same until at least 2030.

– Any unused ‘nil rate band’ on the death of the first member of a couple can be used by a surviving spouse.

– You still have a ‘residence nil rate band’ of up to £175,000 per person, which means your total allowance is £500,000 if you pass your main home on to your direct descendants. 

– Any unused part of this can also be transferred to a surviving spouse, meaning the allowance for a couple could be £1million.

– Transfers between spouses (but not members of unmarried couples) remain free of inheritance tax.

> Autumn Budget: Rachel Reeves’s big changes and what they mean for you 

The main thing that has changed (with effect from April 2027) is that when working out the value of the estate for inheritance tax purposes you now have to include the value of certain pensions.

This primarily includes what the Government calls ‘unspent’ balances in defined contribution pensions, as well as certain lump sum death benefits in either defined benefit or defined contribution pensions.

What’s the difference between defined contribution and defined benefit pensions?

Defined contribution pensions take contributions from both employer and employee and invest them to provide a pot of money at retirement, writes This is Money.

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Unless you work in the public sector, they have now mostly replaced more generous gold-plated defined benefit – or final salary – pensions, which provide a guaranteed income after retirement until you die. 

Defined contribution pensions are stingier and savers bear the investment risk, rather than employers. 

The Government estimates that in just under 40,000 cases, estates that would have been liable to inheritance tax in any case (before the Budget changes) will now face additional inheritance tax because pension wealth has to be added in.

A further 10,000 estates per year will now have an inheritance tax bill because pensions are counted but would not have done when pensions were excluded.

In terms of the first part of your question, the answer therefore is ‘yes’ – an unused DC pension can be left to a spouse and is not subject to inheritance tax, despite the Budget tax changes.

And the surviving spouse can draw on that pension pot in the usual way, paying income tax on the money that they withdraw.

Following the death of the spouse, the estate will be valued in the normal way – but now including pensions – and any remaining inheritance tax allowances would be applied to this total figure.

But in terms of the practicalities of all of this, the new system will unfortunately be much more involved for grieving families.

As things stand, the person sorting out the estate (known as the ‘personal representative’) already has to assess the value of the assets in the estate and check whether they are large enough for inheritance tax to be due.

 My view is that this whole process is likely to be horribly bureaucratic and could significantly slow down the process of sorting out someone’s affairs after they have died

This all has to be sorted out before probate can be granted.

But in the new world where pensions also count as part of the estate, the Government has indicated in its consultation on inheritance tax on pensions that people will have to contact all of the ‘relevant’ pension schemes of which the deceased person was a member.

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Broadly speaking this means any defined contribution pensions with balances and any other pension from which a death benefit or similar might be due.

The personal representative will need to obtain information from every pension scheme and provider as to how much the remaining pension is worth, who are the beneficiaries and so on.

Having obtained this information, as well as assembling information on all other assets, they will then have to use a new online HMRC calculator which will work out how much inheritance tax is due.

Got a question for Steve Webb? Scroll down to find out how to contact him

Got a question for Steve Webb? Scroll down to find out how to contact him

The calculator will indicate how the inheritance tax bill is to be split between the different pension providers and how much will be left to be paid by the personal represenative.

The personal representative then has to notify each pension scheme of the outcome of this calculation and the schemes will then assess how much inheritance tax they have to pay directly to HMRC.

Once the inheritance tax has been paid, the pension scheme can then release the balance of the funds to the beneficiaries.

My view is that this whole process is likely to be horribly bureaucratic and could significantly slow down the already protracted process of sorting out someone’s financial affairs after they have died.

To give one example, if one pension scheme administrator is inefficient and takes a long time to reply to inquiries, the whole process will be delayed as the final inheritance tax bill cannot be worked out until full information has been assembled.

There is still time between now and 2027 to get HMRC to think again about how all of this will work in practice.

It is one thing for a Chancellor to simply announce, in a few words in a Budget Speech, that pensions will now be subject to inheritance tax, but working out the practical implications is a huge job.

It is vital to ensure that the Chancellor’s desire to raise revenue is not at the expense of additional hassle at what is already a difficult time for many families.

Ask Steve Webb a pension question

Former pensions minister Steve Webb is This Is Money’s agony uncle.

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He is ready to answer your questions, whether you are still saving, in the process of stopping work, or juggling your finances in retirement.

Steve left the Department for Work and Pensions after the May 2015 election. He is now a partner at actuary and consulting firm Lane Clark & Peacock.

If you would like to ask Steve a question about pensions, please email him at pensionquestions@thisismoney.co.uk.

Steve will do his best to reply to your message in a forthcoming column, but he won’t be able to answer everyone or correspond privately with readers. Nothing in his replies constitutes regulated financial advice. Published questions are sometimes edited for brevity or other reasons.

Please include a daytime contact number with your message – this will be kept confidential and not used for marketing purposes.

If Steve is unable to answer your question, you can also contact MoneyHelper, a Government-backed organisation which gives free assistance on pensions to the public. It can be found here and its number is 0800 011 3797.

Steve receives many questions about the state pension and ‘contracting out’. If you are writing to Steve on this topic, he responds to a typical reader question about the state pension and contracting out here.

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