Unfortunately, I don't know which government department to contact. I am in Toronto and have occasionally seen public service ads on TV - as well as references to it on another Canadian forum. I think if you look at the Ontario Government Website - and also the Legal Aid website for the area you live in you should be able to find out who to contact. If all else fails, you may have to find a small law farm and have an initial consultation. Based on your husband's behaviour I think that this would be your best option. Or, perhaps just call the Ontario government general office and ask who you should speak with. You might ask at your bank if they know who you should contact. While they cannot legally give you any information on the bank account since it is in your husband's name only, you will hopefully be able to speak with someone who will have sympathy for your situation - and they have seen it all before. I would start with the manager. Or maybe even call the head office of your husband's bank and ask someone there - that way if your husband has a special relationship with his bank he will not be alerted that you are taking action. Another possibility is to contact a a centre for abused women - they know all about these things. I come from a similar background (childhood, not current marital situation) so this would be worth a try. I really think you need to do this - otherwise you will be in serious trouble - and not only if your husband dies. I am assuming that your home, if you own it, is in both of your names - and that he can't sell it out from under you without your signature - but it has been done before - forgery. I wish you the best of luck. One thing for certain is that if the worst happens, you will be blamed for putting up with his nonsense.

Your rights to part of a former husband's pension depend on the laws of your state, and the rules of the pension itself. Any such rights apply to both the husband and wife. Generally, the portion of a pension that is considered marital property, and thus subject to a divorce settlement, is the portion that was earned during the marriage. Your attorney can advise you in this matter. Here is a link that might be useful: Link

HI again, Thanks all, for taking the time to respond. I do appreciate it. India won't happen for years, and let's face it, I'm not going to forego yearly vacations in order to save for that trip...we all work too hard to be saving for a big trip like that years down the road. And, it does need to be years down the road as he turns 6 in June (same as his 'sister' in India) and we just 'adopted' her last year. I would like them to have established more of a rapoort, letter writing, ability to communicate and understand each other...she doesn't yet speak English but will apparently learn it now in school...before we go there. She also lives in a very dangerous area at present. I'm not going there alone with a small child in tow....I may not even go alone with pre-teen in tow...I have travelled with friends and still found myself in precarious and scary situations in Asia and Africa...India is no different....and now- this is back to my original query :) If my fiancee can't be guilt-free enough to go to Disney without his 2 girls, he won't be getting to India with us either! And unlike me, he has not travelled the world, he is very envious of my travels and hopes that we get to travel together to some of these places.....but we need to sort this stuff out. So, will we also not be going to India without the girls??? And yes, India is maybe my son's #1 choice right now, but don't take that out of context and turn Disney into 'my' want.....remember in my first post, I did say that HE (my son) initiated conversation, he has been asking about it and having me 'google' pictures and videos and talking about it with his cousins. Yes, I would like to give him the opportunity- but is it for me?! Nope....I wish another family was going to Disney and wanted to take him along, I would only be too happy to avoid the commercialism and line-ups and hoopla....the only thing I would miss of course is making the memories with him, seeing his expressions, etc., can't miss that! Really, I would love to lie on the beach for a week- that would be MY choice...my job is cut-throat and so is my grad program...I would rather chill out. yes, guilt is an issue with my fiancee, and he will need to work on it. I'm hoping the counseling sessions and getting 'permission' to be somewhat of a disciplinarian in order to help his 12 yr old daughter by having some structure, rules, consistency, will help with this... plus the course he starts in a few weeks on parenting kids with behaviour challenges. I think he has worked so many hours that he doesn't 'trust' in his ability to parent in these difficult situations, his daughter's outbursts are scary and would probably scare most veteran parents. We will just have t work through this together. As to the money issue, it's not an issue as of now. Yes, I said I pay more than 50%, it's only slightly more than, AND, it's for our shared expenses only...his 'personal' expenses are not included in that (ie. child support, car payment, credit card, etc.). We each take care of our own personal expenses and share the joint/household expenses. So, I don't have to pay for a "lazy BM to sit at home" and take our money...he does. Nor would I, ever. And, where I live (Canada), I would never have to unless I became a legal guardian in a formal way, and/or he stayed at home instead of working 'by choice', and he would not be allowed to just avoid child support by being a 'kept man' or something...in that instance I would have to pay. That will never happen. As I said he is extremely hard-working. He works a full time job plus another more casual job to make the money he needs to, to pay for he and his girls' way. I hate emails...so much miscommunication :P I don't begrudge his time with his girls alone AT ALL! I encouraged and supported the camp idea (he and girls-alone a week each summer) that started last year and will continue...my son can't go for 2 more years, so I won't go either (they want to employ me as well - so my son could then go free as well) but until then, its them alone...fine - it's all good. I encouraged and am absolutely FINE with him going to the cottage with his girls each summer without us - I hope they go and 'bond more' this summer too! I know that a dad and daughter's relationship is absolutely critical to their normal development and socialization...that it will form how they see themselves in the eyes of the opposite sex, how they will learn to teach boys to treat them in a relationship, etc. He has to do everything to ensure that they are not left with anything else except of a feeling of love, respect, closeness, trust, etc., with him - I get that this is priority #1....although somewhat challenging given the limited time they have together, the behaviour issues that need to be overcome, and the undermining at our attempts to instill normalcy, routines, standard expectations of respect for self, adults and each other, and each persons' responsibility within their home, by the lack of any of this at the BM's home, or even at the grandparents. He is not comfortable with the idea of travel without them, but we can not take them everywhere everytime, so does he never come with us then? Do we travel/vacation as single parents or all together or nothing? This is my question. If the expensive camp, cottaging, girls going to Disney, etc is 'ok' without us, why is nothing we do without them 'ok'? The BM has had boyfriends, just no one serious enough to have stuck around thus far...but when that happens and they travel together as the 'family' that they will then be, is that what will make the difference? Surely if they get to vacation together, we (fiancee, son and I) can vacation together? But why would this make a difference? So, I need to wait for her to pick a boyfriedn that travels with them, or a stepdad for them? I'm now confusing myself! :P Ah..."special one on one time that my son gets with my fiancee"....that's half the issue here, and part of the reason why I would like him to come along! When someone works 60-70 hrs per week, and then fits in time alone with his girls, and is painting their home, fixing that home...all away from us...(girls and BM, and grandparents) live 40 minutes away near his full time job so to maximize time with his girls he will go from work to his parents where girls are often living, and stay in order to try and ensure healthy eating, help with homework, try to establish routines (videogames, bed time, etc)....as we live 40 mins away, my job (and whole extended family, etc) is 40 minutes in the opposite direction, so we aren't about to move any further away from my work and childcare...we are right in the middle and this is the best we can make it for the time being. So, with all this going on, he isn't at home with us much at all! We might get one hour before my son's bedtime, if we see him at all, sometimes for a couple of days at a time (if he is working night shift he will get off work, get his girls breakfast, take them to school, go to sleep at his parents, get them from school, get dinner, do homework with them, and then go back to work), yes, sometimes we might get a whole day with him on a weekend, but its rare... this is why I would like him to come on vacation. My son loves him to bits, is always asking where he is, if he's coming home, asks to sleep holding his PJ shirt :), but will whisper things in my ear that he is too shy to ask him himself, he never asks him to read to him or to play with him...because despite the years passing, he doesn't yet see him as another parent since there hasn't been the time spent to establish that type of routine with him. I thought we could at least vacation together...and goodness knows, working as hard as he does, he deserves to get away. And it is 'guilt', and not what he 'wants'....he even started toying with the idea of not coming for the whole week, but kind of 'sneaking down for a few days at the end, and flying back home with us". He doesn't really want us going alone, he will also worry about us, I know him. But he worries about what other people will say, think, and of course what would be told to his girls and if they would 'snub him' like they did post the 'engagement trip' in the fall, and only forgive him after copious presents were bought, restaurants attended, etc... He doesn't want the BM calling him a bad father or his parents judging him... The BM, although not 'enjoying' or optimizing her opportunities with fulltime motherhood from my perspective, has this as her sole identity (I think). She does not seem to wish to have to work and sees the 'full amount' of child support that she gets as her 'income'. In Canada, if we have the children even 40%, he could apply for a small 'break' from the set amount (according to his income) and have to pay less. She will never allow for this. Plus, its only a 'small decrease' in the amount. So, he would still be paying alot, therefore have to work alot, and then who is looking after the kids who would then be with us 50%? I also work long hours and have my mom and a daycare lady helping me. We'd be paying more money in childcare and travel/commute for others to care for the kids! Plus, his girls do not want to change from their present school/friends, and we can't manage that commute in opposite directions for work, school, etc. I would have to be a stay at home mom -oh wait! I can't afford to, and, his kids need him, not me.... Yes, the BM is happy to leave the girls with his parents alot, but that doesn't affect the amount of 'custody' or child support- so why wouldn't she collect max dollars and have other people care for her kids, that's her M.O. The garndparents will never say 'boo' to her, they would be afraid she would deny them access, but its a joke, she needs them too much so she can have her free time. By the law, she could technically choose to send them away to boarding school and collect full child support even though she wouldn't be 'caring' for them for their day-to-day needs. So, getting 50% custody/access doesn't help us unless we all lived nearby AND she agreed to less child support so he would be around to parent his kids. The grand parents live 5 mins from the BM and they take the girls to school, pick them up, etc., it doesn't disrupt their school, friends visits, and their choices (pizza, ribs and videogames!), like coming to our home does. If the girls had a choice, the 12 yr old would choose to live with her enabling grandparents (the no rules, coca cola and pizza and chocolates for dinner everyday-house), and the 8 yr old would still pick her BM at this point. Anyway...still wondering if anyone is in a 'similar' family footprint, and could comment on the vacation strategies/options/etc. After all, we can't 'fix' the BM, might not be able to change much in 12 yr old' s behaviours if BM and grandparents don't get on board with the strategies suggested for kids with these challenges...and the fact that he will always be paying (and therefore working!) this much is not going to change either. So, while I appreciate the 'heads up' re: red flags...I'm aware and trying to work on things I can control, the rest I just ensure that I'm making an informed choice on the matters...I'm aware...not ignorant of facts, not naive...smarter than him (haha - aren't all women?! lol), and I am sure to keep my concern for my son at the forefront of all decisions I make. My fiancee is a really good, caring, trustworthy, loyal and nurturing man....he is good with my son, he is a good role model (other than the guilt-ridden and confidence undermined by the 'system' keeping him working like a dog to pay for the kids and try to parent them alone with a fraction of the time or support that many other parents might get)... good people deserve chances. We all have our 'baggage', and just because his ex is a piece of work, he made a bad choice in her as a younger/stupider man, and his parents are oldschool european passive/enabling spoilers of kids who think tons of videogame time brings great hand-eye coordination :P...just because of this, he shouldn't be written off. He loves me and deserves me -lol :) , and I would be hard-pressed to find a guy as nice as him in the world, who loves me as he does, and who shares my interests. So, here I am...giving it a shot... hoping to go on a vacation with my son and the man I love.... maybe could this happen? Just askin' :)

Elmer I need to apologize for laughing at your comment. You seem to relate what knowledge and what people do to what their job/s were. Which is true for many men. Women are not restricted to what they know and do, except in certain instances, to any job that they have ever had. Men should not be but for some they are. Most learn all throughout their lives. Much of what we women learn is not learned for any job unless you consider living as a job. Women's knowledge is also not restricted to classes although I because I enjoy learning about many things used to take one or two classes college and other types each year after I graduated. My classes as they are for many women were for my enjoyment and to gain information on a wide variety of subjects. Want to know how some cultures make their own ink? Last night I was reading about your beloved living trusts and most of the sites confirmed what I have been stating. There are things like bank accounts, pensions, and while most only mentioned IRAs or plans with a designated joint owner or beneficiary that all of the articles suggested that without a strong reason like a minor or disabled child or a person whose spouse or significate other would take the assets they should not be placed into a living trust. Anyone wanting to read about the do's and don'ts of living trusts can simply do a search using "Living Trusts" then if they want additional information they can contact an attorney or any other person that does financial planning. I suggest reading several sites as each one can present the information differently.