Sixteen year old Dusty Everhart breaks into houses late at night, but not because she is a criminal. No, she is a Nightmare. Literally. Being the only Nightmare at Arkwell Academy, a boarding school for magickind, and living in the shadow of her mother’s infamy, is hard enough. But when Dusty sneaks into Eli Booker’s house, things get a whole lot more complicated. He’s hot, which means sitting on his chest and invading his dreams couldn’t get much more embarrassing. But it does. Eli is dreaming of a murder. Then Eli's dream comes true.
Now Dusty has to follow the clues—both within Eli’s dreams and out of them—to stop the killer before more people turn up dead. And before the killer learns what she’s up to and marks her as the next target. Find out more at http://us.macmillan.com/thenightmareaffair/MindeeArnett YA/Fantasy/Paranormal/Romance
QROPS - Qualifying Recognised Overseas Pension Schemes were introduced in 2006 as part of a major overhaul of Britain\'s pension framework, aimed at simplifying pension transfers to another country. New legislation was passed by the UK tax authority, HM Revenue and Customs (HMRC), in order to comply with an EU directive that pensions be free to move across Europe\'s borders. This ruling means that individuals, wishing to retire to countries such as France, Spain and Portugal can effectively take their UK pension funds with them: http://www.axis-finance.com/what-are-qrops.php
Who can apply for a QROPS?
A QROPS is specifically designed to allow anyone, not intending to retire in the UK, to transfer existing and frozen UK pension plans into a more appropriate retirement vehicle.
Individuals who are, or have been members of a UK registered pension fund and are currently living outside of the UK, or intending to leave the UK on a permanent basis, can consider transferring their retirement fund into a QROPS: http://www.axis-finance.com/qrops-living-in-France
Transfers to QROPS
The UK Government allows transfers to QROPS to be made free of UK tax. Their aim is to simplify the affairs of individuals leaving the UK on a permanent basis and to encourage them to continue saving in order to provide an income when they retire. There is no official limit to the amount of funds that may be transferred to a QROPS: http://www.axis-finance.com/qrops-France-pension-transfers
QROPS - HMRC Rules
What makes a scheme a QROPS?
In order to transfer your UK pension into a QROPS, it is necessary for the overseas pension scheme to be accepted by HMRC. The criteria outlined by HMRC for an overseas scheme to qualify as a QROPS include:
- The pension scheme must be established outside of the UK
- It must be recognised for tax purposes in the country where it is located
- It must be regulated in the country in which it is established
Age that benefits can be taken from a QROPS
The QROPS regime mirrors that of a regulated pension scheme in the UK. Benefits, including lump sum payments, from the transferred funds may not be distributed earlier than the normal retirement age of 55, if an individual has been a non-UK resident for less than five complete tax years: http://www.axis-finance.com/qrops-living-in-France-HMRC-Rules
QROPS Reporting requirements
HMRC should be notified if a payment is made within the first five tax years of a member becoming non-UK tax resident. Any benefits paid before five complete tax years of non-UK residency and not in accordance with UK Pension rules will be deemed an unauthorised payment.
The scheme manager does not have to notify HMRC if the payment is made 10 or more years after the day of the transfer that created the QROPS fund for the \'relevant member\', provided that the person is non UK resident for the duration of this period. This 10 year \'bracket\' for reporting payments took effect as of 6 April 2012.
QROPS List
When transferring your UK pension to a scheme overseas, it is important to check that the scheme meets the conditions to be a qualifying recognised overseas pension scheme (QROPS). Not all transfers to overseas or offshore schemes are QROPS transfers; it is therefore essential to verify that the scheme receiving your UK benefits is on the QROPS list published by HMRC, otherwise a transfer will be treated as a transfer to a non-qualifying overseas scheme and substantial penalties may be applied by HMRC at the time of transfer: http://www.axis-finance.com/qrops-list-living-in-France
How do I know if it is a legitimate QROPS scheme?
QROPS approved plans that agree to have their details published are listed on the HMRC website. A UK Pension administrator will confirm a QROPS listing before agreeing to a transfer. If not listed, the administrator will contact HMRC
ATC Global reaffirms its position as the place to do business for the international ATM community with the release of exclusive video footage from last month’s event.
The videos further demonstrate the unique position of ATC Global within the international ATM market, showcasing the quality, diversity and geographical reach of its attendee base alongside the delivery of a world-class, content-rich education programme.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60643-ATC-global-2013-confirmed-exclusive-video
Alison Sweeney and Mika Brzezinski co-hosted the 10th Anniversary of the More Magazine/Fitness Magazine Women’s Half-Marathon in Central Park on Sunday, April 14, 2013. More than 7,550 women from around the world took part in the race—the largest women’s-only half-marathon in the country—established by More and Fitness magazines in partnership with New York Road Runners. Sweeney and Brzezinski both participated in the race for the first time and crossed the finish line within two hours before a cheering crowd of 16,000; Sweeney finished in 1:59:50 and Brzezinski finished in 1:49:19.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60836-more-fitness-magazine-women-s-half-marathon-alison-sweeney-mika-brzezinski
The right hip hop beat making software will help you make dope tracks everytime. Check out the video to learn how an experienced producer puts together a nice beat within a few minutes, and head over to http://beatmakingexperts.com/ to learn a bunch more about music production.
How do you develop a great press release? Throughout the first quarter of 2013, the PR Newswire team identified a variety of noteworthy news releases which are highlighted in this week’s edition of Content We Love. Within this collection of content you’ll see strong headlines, compelling multimedia, catchy infographics, interesting news angles and smart storytelling – traits that are the cornerstones of effective press releases.
To view Multimedia News Release, go to http://www.multivu.com/mnr/61570-pr-newswire-content-we-love-feature-q1-2013
www.TheRapture.biz - PhD finds clues buried within ancient texts including the Bible, revealing astonishing, never-before-seen secrets about The End Time Rapture. Go now and discover what no Scholar or Theologian can tell you about this epic, end of the world occurrence!
Jive Software, Inc. (Nasdaq:JIVE), rolled out today the latest version of Producteev by Jive, the leading social task management solution that allows individuals, teams, and now entire organizations to easily track and manage tasks for free – regardless of how many people within a team or organization use the application and an approach that no other task management app on the market can match today. The new version of the product builds on the innovative foundation built by Producteev, which was acquired by Jive late last year, and provides companies with a more productive yet inexpensive way to get the fundamental components of work — tasks — organized and completed easily.
To view Multimedia News Release, go to http://www.multivu.com/mnr/61749-jive-software-producteev-task-management-more-conceptual-and-organized
While more than 245 million Americans live within 100 miles of a national forest or grassland, research shows that a majority of children in some segments of the population are not spending active time outdoors. Research shows that only 37% of African American children ages 6-12 participate in outdoor recreation, compared to 67% of Caucasian children in the same age range. In an effort to motivate African American families to get outside more often and reconnect with nature, the Ad Council and the U.S. Forest Service have launched a new series of public service advertisements (PSAs) in advance of the 6th annual National Get Outdoors Day on Saturday, June 8th, 2013.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/62047-us-forest-service-ad-council-psa-african-american-families-discover-nature
