On July 21, 2014, Genworth (NYSE:GNW) is introducing Privileged Choice® Flex 3 featuring FlexFit℠ packages. FlexFit packages are designed to help address the primary barriers to purchasing long term care insurance – price and complexity. FlexFit gives millions more Americans the flexibility to choose the right fit for their long term care needs, combined with the simplicity of prepackaged benefits. Privileged Choice Flex 3 is issued by Genworth Life Insurance Company.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7206252-genworth-offers-affordable-flexfit-long-term-life-insurance/
A new Obama administration regulation–the so-called Stream Protection Rule–is about to drive up energy costs and unemployment with no gain in environmental benefits, cautions the National Mining Association.
“The primary motive of this regulation is not to protect streams, as its title would suggest, but to protect federal regulators' jobs at the expense of coal miners' jobs as the nation's energy providers,” said Luke Popovich, vice president of communications for the National Mining Association.
In a classic example of needless regulation, the U.S. Office of Surface Mining, or OSM, plans to change more than 475 regulations, as well as add more new rules – despite no demonstrated need. OSM has crafted the rule behind closed doors, Popovich said, shutting cooperating states out of discussions about the purpose and content of the regulation.
The new rule carries a heavy economic price tag, Popovich warned. He pointed to an analysis by an independent consultant that found that OSM’s rule would put more than 268,000 mining and dependent jobs at risk—adding to the 40,000 high-wage jobs already lost in the industry.
To view the multimedia release go to:
http://www.multivu.com/players/English/7221731-national-mining-association-americans-electricity-bill-increase-due-to-epa-regulations/
For many pet parents, the hot and humid summer weather brings pet hydration top of mind, but do many know the benefits of proper hydration all year round? PetSafe® brand is sponsoring Pet Hydration Month this July to educate pet parents about the importance of proper hydration.
“Our pets need one ounce of water per pound of body weight each day,” said Willie Wallace, CEO of Radio Systems® Corporation, makers of the PetSafe brand. “Proper hydration plays a big role in a pet’s health and can save pet parents a trip to their vet’s office.”
Similar to humans, the bodies of our pets consist of mostly water, making proper daily water intake extremely important.
To view the multimedia release go to:
http://www.multivu.com/players/English/7827754-petsafe-july-pet-hydration-month/
Colgate announces a new addition to the Colgate Total® portfolio: Colgate Total® Clean-In-Between toothpaste. Building on the superior cleaning benefits of Colgate Total that consumers have come to expect, Clean-In-Between toothpaste’s advanced micro-foaming formula reaches even deep in between teeth to reduce 83 percent more plaque germs than non-antibacterial fluoride toothpaste 12 hours after brushing for healthier gums*.
Hispanics are one of the demographic populations with the poorest oral health of any racial and ethnic groups in the United States1. In spite of brushing twice a day, plaque can build up between teeth, which affects overall gum health. Colgate Total Clean-In-Between toothpaste provides 12-hour antibacterial protection for 100% of the mouth’s surfaces: teeth, tongue, cheeks and gums.
To view the multimedia release go to:
https://www.multivu.com/players/English/8103451-colgate-total-simplemente-saludable-initiative/
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In this new video from EisnerAmper, one of the nation’s leading providers of employee retirement plan audits, partner Kriste DeAngelo presents a basic outline for how Benefit Plan Administrators should take extra care to avoid late filing of Employee Retirement Plan contributions, or remittances. View EisnerAmper’s newest video at http://www.multivu.com/players/English/7461932-eisneramperemployee-benefits/ DeAngelo, who is the lead engagement partner for over 50 retirement plan clients, says there are three steps all plan professionals should take at the outset
Determine the earliest date that your company can reasonably segregate participant deferrals from the general assets of the company and remit into the Plan, and document the company’s remittance process. 2. Follow what has been documented. 3. Check the remittance data throughout the year – this is crucial. According to DeAngelo, “Anything outside of the expected time frame could be considered a late remittance by the DOL and should be voluntarily corrected.” DeAngelo goes on to say that many benefit managers stumble on the perception that, according to the DOL, retirement plan remittances must be made “no later than the 15th business day of the following month.”
To view the multimedia release visit:
http://www.multivu.com/players/English/7461932-eisneramper-employee-benefits/
During the Academy of Nutrition and Dietetics 2017 Food & Nutrition Conference & Expo™ in Chicago, scientists reported on a recent study which uncovered that the intake of pistachios reduces the rise in blood sugar and insulin in women diagnosed with gestational diabetes mellitus (GDM)—commonly known as gestational diabetes. The study, “Effects of Pistachio Intake on Postprandial Blood Glucose Response in Pregnant Women,” found when women who were gestational glucose intolerant (GIGT) or who were diagnosed with GDM ate pistachios, they had a significantly lower rise in blood glucose levels compared to eating whole wheat bread that was matched for calories.
To view the multimedia release go to:
https://www.multivu.com/players/English/8162751-american-pistachio-growers-pistachio-health-benefits-women-gestational-diabetes/
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
5 Reasons To Buy An Electric Car. Driving the 2016 Nissan Leaf, I discuss the many benefits of driving an electric vehicle. The instant torque and peak torque from 0 RPM, the incredibly low maintenance (tire rotations and cabin filter changes), the incredible efficiency (about 3x the efficiency of an ICE vehicle), the convenience of charging, and the affordability of leasing an electric car.
Related Videos
Nissan Leaf Review - https://youtu.be/KovdnzywQbs
Free Car? - https://youtu.be/NCdLFhUmubc
References:
Tribology International Study - http://www.sciencedirect.com/science/article/pii/S0301679X11003501
Fuel Economy Study - https://www.fueleconomy.gov/feg/evtech.shtml
Consistent, reliable starting, smart load sensing technology, fuel protection and fuel savings are hallmarks of a new 27-gross hp1 Briggs & Stratton Commercial Series Engines with electronic fuel injection (EFI) now available on Simplicity’s Prestige garden tractor. Available at Simplicity dealers this spring, EFI brings several added benefits to a garden tractor model already known for its impressive power, performance and reliability.
“The new Commercial Series V-twin engine with EFI provides more reliable starting,” says Ryan Fredrickson, product manager for consumer rides, Briggs & Stratton Turf & Consumer Products. “Hot or cold, regardless of conditions, the addition of electronic fuel injection offers car-like starting. And because it uses a closed fuel system, EFI helps preserve the fuel, preventing it from going bad and reducing starting issues.
To view the multimedia release go to:
https://www.multivu.com/players/English/8092851-briggs-and-stratton-electronic-fuel-injection-simplicity-prestige-garden-tractor/
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Conservatories make an excellent addition to any home, whether it is to accommodate guests or an extra living space. Not only do they add value to your property but they also have other benefits that make conservatories suitable for everyone who has the land to utilise.
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