No more tiresome strains or pressure on your mind, scared of losing traffic tickets or house bills? Seembee is the app of choice, makes management of documents seem like a piece of cake. Never again will you have to go searching for receipts or documents around the house or your office desk, SeemBee enables you to upload snapshots, scanned documents or image files into your personal web based archive. With features that enable virtual stapling/un-stapling, folders/subfolders and multiple tag mechanisms that help in segregating documents, SeemBee is the choice for many who find it hard saving and segregating documents and events in their lives.
Johnson Controls, a global multi-industrial company, is constantly focusing on improving the future of car seating. Thinking ahead, Johnson Controls will present its seating demonstrator vehicle SD15 to customers and media at the 66th Frankfurt Autoshow. The SD15 features a simulated vehicle environment with a focus on first- and second-row seating while addressing the three automotive megatrends from a seating perspective: autonomous driving, lightweight, and increasing customer demands towards individualization and style for future urban mobility.
Furthermore, the stylish ink jet printed seat covers of the SD15 show what Johnson Controls can do in terms of individualization. The weight and space saving multi-material seats padded with highly ergonomic foam parts pave the way towards the demands of lightweight design. Many SD15 features support the megatrend of autonomous driving in the future “multi-talented” vehicle seat.
The SD15’s front row features a power driver seat mounted to a curved track, eliminating the need for separate and complex mechanisms found in conventional seat arrangements. The seat offers a control console mounted directly to the seat structure that moves conveniently with the occupant, instead of being fixed between the seats which offers wireless charging options for mobile devices.
To view the multimedia release visit:
http://www.multivu.com/players/uk/7592351-johnson-controls-new-SD15-seating-vehicle/
Scottish Widows - Pension Report. Ian Naismith, Head of Pensions Development at Scottish Widows talks us through the the current problem with pensions in 2010. Scottish Widows conducted a study where members of the public are asked how they are saving for the future and wether they are worried. The Scottish Widows report showed a worrying 41% of people are saving less whilst 21% save nothing.
BabyCenter.com, the #1 pregnancy and parenting digital resource, today released its 2016 U.S. Cost of Raising a Child report, which examines the rising cost of having a baby. More than 1,100 BabyCenter moms completed the survey, which found that parents spend an average of $13,000 per year on each child.
In 2016, 7 out of 10 moms say they are worried about having enough money to raise their kids – a 5 percent increase since last year. BabyCenter also found that 9 out of 10 moms are in debt and nearly 4 in 10 don’t see a day when they will be entirely debt free. Also, 1 in 4 is receiving financial aid from a parent or family member, and 1 in 3 is experiencing relationship issues with their partner due to working longer or irregular hours.
To view the multimedia release go to:
http://www.multivu.com/players/English/7700853-babycenter-cost-of-raising-a-child-report/
U.S. Department of Energy (DOE) and the Ad Council today launched a national consumer education campaign to help consumers save money on utility bills. Created pro bono by Texas-based advertising agency GSD&M, the public service advertisements (PSAs) aim to help consumers save money on their energy bills by doing things such as sealing leaks in their homes and using energy efficient products.
To view Multimedia News Release, go to http://www.multivu.com/mnr/50779-ad-council-energy-efficiency
The banana is transported by plane, eggs by refrigerated trucks and yogurt can be found in open fridges, so to speak – the bottom line: In order to maintain a certain standard in a supermarket you are forced to use a lot of energy. An increasing number of supermarket owners have recognized responsibility and have started saving energy. For example, the Swiss cooperative Coop has set itself the goal of having all of their supermarkets being carbon-neutral by the year 2023.
With such hectic schedules, even the most together families can get frazzled. What’s a busy family to do in order to keep their cool? Award winning health, nutrition and lifestyle expert Sharon Liao is here to help! She is available to provide helpful tips to help families stay organized and on top of their hectic schedules, especially when it comes to meal times. Sharon is ready to discuss everything from time management and juggling family time around hectic schedules, to tips on being efficient during meal times and how all families can stay on the right nutrition and fitness track.
A new survey says Americans’ confidence in their ability to afford a comfortable retirement remains at historically low levels in the face of job uncertainty and financial insecurity.
The 2012 annual Retirement Confidence Survey, released today by the nonpartisan Employee Benefit Research Institute (EBRI) in Washington, and co-sponsored by the Principal Financial Group, finds only 14 percent of Americans are very confident they will have enough money to live comfortably in retirement¹. Workers with the most debt have the least confidence.
To view Multimedia News Release, go to http://www.multivu.com/mnr/54549-principal-financial-group-retirement-confidence-survey-job-insecurity-ebri
Express Scripts clinical innovations saved its clients $45 billion in 2018 and delivered a 25-year record low drug trend of just 0.4 percent across employer-sponsored plans, according to data released today in its annual Drug Trend Report, an authoritative analysis of drug spending in the U.S.
Express Scripts’ solutions for driving lower drug prices and fostering the use of lower-net-cost treatments are making medication more accessible for beneficiaries. Unit drug costs decreased in 2018 for employer-sponsored and Medicare plans, while utilization of medications rose.
To view the multimedia release go to:
https://www.multivu.com/players/English/8478051-express-scripts-2018-drug-trend-report/
Reese Witherspoon, Avon Global Ambassador & Honorary Chairman of the Avon Foundation for Women, today launches the new Empowerment “Circle of Support” Necklace in recognition of International Women’s Day on March 8th. The necklace is the latest Avon fund-raising product that raises life-saving funds for the Avon Speak Out Against Domestic Violence program, which has donated nearly $40 million to end the epidemic of violence against women globally.
To view Multimedia News Release, go to http://www.multivu.com/mnr/52893-avon-empowerment-necklace-reese-witherspoon-international-women-s-day
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
