‘Tis the season to discover your Om. For American fashion designer, Sigrid Olsen, Om resonates profoundly, imparting deeper focus, serenity, wisdom, and happiness. Sigrid offers her three favorite ways to refresh body, mind and spirit with this Creative Well-being Wish List for the Holidays:
Rejuvenate, relax and reinvent this New Year. Mix exhilarating cultural travel with art, yoga, and self-discovery. Reserve now for Sigrid’s upcoming Creative Well-being Retreat in Santorini next September. Entice a friend, a colleague, a sister, a daughter, or relish just going solo. Reserve by January 15, 2015 to receive a significant early bird savings.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7142231-sigrid-olsen-new-designs-for-living/
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
Neighbors across the country will soon have an exciting opportunity to help change their communities for the better through State Farm Neighborhood Assist®. This philanthropic program awards 40 causes a $25,000 grant. Anyone in the United States can submit a cause beginning March 9 through March 30. Ultimately, voters will decide which community improvement projects win big.
Returning for its fourth year, State Farm Neighborhood Assist asks individuals to identify causes that would help make their communities safer, stronger and better-educated. Up to 4,000 causes will be accepted. The State Farm Youth Advisory Board (YAB) will then narrow down the field, using a scoring rubric to identify the top 200 submissions. The public will have a chance to vote 10 times a day from May 14 through June 3 for their favorite causes from the list of finalists. The 40 causes that receive the most votes will win a $25,000 grant. The nominations and votes will be accepted exclusively through a free Facebook app.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7417331-state-farm-neighborhood-assist/
Ten of the world's greatest racehorses
from the last century racing against each other to compete for the
ultimate title of #1 Racehorse In The World. Visit
http://racingdatabase.com/worlds-greatest-horse-race/ for full details
of the race and the list of contenders!
Castrofate
"Shattered Soul"
from the album 'Castrofate' out March 1, 2014
Cataclysmic Metal Records
facebook.com/CataclysmicMetalRecords
Video by JNP Productions
http://www.jnpproductions.com/
www.castrofate.com
Order Page: www.castrofatepictures.com New CD and New Hit The Lights/Castrofate Shirt Paypal buttons will be added soon
CASTROFATE's "Shattered Soul" is Track 4 off the band's 5th self-titled album 'Castrofate' which features 8 songs and will be available from the band for $5 on March 1, 2014. The album will be sent free to people who purchased the band's previous 2 albums 'iHuman' & 'Systematic Suicide', anyone who has purchased those was placed on a list to receive a free copy, and anyone who still buys them will still be placed on the list up until February 4. Pre-Orders will also begin soon. The album, as well as the video, are the first to feature a full 4-piece line-up.
'Castrofate' album line-up:
Danny Castro - vocals & guitar
Tom DeFazio - lead guitar
Dok Dwyer - bass
Dima Shnaydman - drums
Produced by Nick Killmeier & Danny Castro
Engineered by Nick Killmeier at Crossfire Productions
As part of its mission to help cat owners solve tough litter box odors, Tidy Cats® recently gave one cat owner a once-in-a-lifetime experience: a Littervention. Devoted cat owner Ricci Rivera, together with his cat named Bella of San Tan Valley, AZ, were named the Grand Prize Winner among hundreds of entries to the Tidy Cats® with Glade™ Tough Odor Solutions Littervention Contest. In his entry, Rivera attributed his need for a Littervention due to his home’s open floor plan, which can carry overwhelming litter box odors throughout the house. As the Grand Prize Winner, Rivera received a visit from the Tidy Cats® “Scentsational Littervention” Crew, including cat-loving home and design expert and current co-host of Love it or List it, Too Jillian Harris, who showed him how to neutralize even the toughest litter box odors and how to keep a clean litter box area and welcoming home.
To view Multimedia News Release, go to http://www.multivu.com/mnr/62803-tidy-cats-jillian-harris-give-one-owner-littervention-of-lifetime
Global demand for food has never been higher, as populations skyrocket and developing areas of the world strive to feed their citizens. But in the United States, more than one–third of the food produced is never eaten and a new online survey of U.S. grocery shoppers’ attitudes conducted by Harris Poll on behalf of Sealed Air Corporation (NYSE: SEE) shows that food waste in the U.S. is near the top of the list of consumers’ environmental concerns and they are willing to change behaviors if better informed on the issue. The April 2014 study interviewed over 1,000 U.S. adults (aged 18+) who do at least 25% of their household’s grocery shopping (“American grocery shoppers”).
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7270651-sealed-air-2014-food-waste-survey/
Each year the KBB.com editors compile a list of the most efficient vehicles available and then pick 10 standouts featuring a variety of price ranges and powertrains. More than just a compilation of the most fuel-efficient vehicles, the list also takes into account production methods and recyclability, and the editors try to seek vehicles appropriate for varying lifestyles. With more environmental-focused models available every year, choosing the 10 best among the pack is proving to be a challenging task.
To view the Multimedia News Release, go to: http://www.multivu.com/mnr/7123651-kelley-blue-book-kbb-best-green-environmental-cars
JNA (Jewellery News Asia), organiser of the prestigious JNA Awards, has announced the much-anticipated list of Honourees or shortlisted finalists across 15 categories for 2015. A total of 49 Honourees representing 31 companies from 10 countries/regions have been shortlisted.
The JNA Awards is supported by Headline Partners Rio Tinto Diamonds and Chow Tai Fook, together with Honoured Partners Diarough Group, Gübelin Group, Israel Diamond Institute Group of Companies, Shanghai Diamond Exchange and Guangdong Land Holdings Limited (GDLAND).
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7559651-jna-awards-2015/
BioniX Wallpaper Changer is not only a wallpaper changer but also an advanced wallpaper manager: with BioniX you can easily move wallpapers to user-defined categories, filter small files that are unsuitable as wallpapers, sort wallpapers by file size/resolution/name/rating, move wallpapers to Recycle Bin, rename wallpaper, photo edit wallpapers, etc. It supports multiple/thematic playlists. Adding wallpapers to playlist is as simple as drag & drop.
Download it from here: http://www.BioniXWallpaper.com/downloads/index.html
Check out the full list of features here: http://www.BioniXWallpaper.com/features/index.html
Continuing its commitment to bringing parents’ technology to the next generation of kids, VTech® today announces the availability of KidiBuzz™, an innovative new hand-held smart device for kids. With quality content and robust features similar to those found in parents’ smartphones, KidiBuzz lets kids play games, watch videos, listen to music, send text messages and more. Already one of the hottest toys for the holiday season, KidiBuzz has earned a place on the influential TTPM Most Wanted List.
“VTech has always strived to adapt adult technology for kids in a smart, engaging way that supports the way they play,” said William To, President, VTech Electronics North America. “KidiBuzz fills a need in the marketplace for kids growing up in the age of smartphones who want to mimic their parents, while addressing the concerns of parents who aren’t ready to commit to the expense and responsibility of a phone and plan.”
To view the multimedia release go to:
https://www.multivu.com/players/English/8140758-vtech-kidibuzz-smart-device-for-kids/
A new online survey shows just how difficult life insurance conversations can be. Parents would rather talk to their children about drugs/alcohol, religion and politics before life insurance, which is a topic only slightly more comfortable than sex/puberty. The survey also shows parents are the primary source for initial conversations about life insurance. This topic avoidance might be one reason that 22 percent of Americans feel they are not at all knowledgeable about life insurance. The State Farm survey, conducted by Harris Interactive among over 2,000 U.S. adults also revealed a gap in Americans’ knowledge of life insurance and general misconceptions about the benefits life insurance provides to those who are insured.
To view Multimedia News Release, go to http://www.multivu.com/mnr/56798-state-farm-survey-life-insurance-benefits-policy-family-bucket-list-liam
