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
Hal hates history class—it literally bores him to tears. But his father is a big history buff, and unless Hal gets a good grade this year, he’ll never get his own room. Sixth grade gets off to a horrible start when history teacher Mr. Tupkin gives the class an assignment to write journals that will be buried in a time capsule at the end of the year. Things get even worse when his dad makes him take his neighbor’s old shopping cart to school, earning him the nickname “Cartboy.” What else could possibly go wrong? Read Hal’s journal to find out!Filled with photos, drawings, and timelines, Hal’s time capsule journal chronicles a year in the life of the hopelessly hapless Cartboy. Learn more about this book and author at http://bit.ly/cartboy YA
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The Dallas Cowboys will kick off the 124th annual Salvation Army Red Kettle Campaign when the Jones family makes this season’s first official kettle donation at halftime of the nationally televised Cowboys Thanksgiving Day game on FOX against the Philadelphia Eagles. For the past 18 years, the Dallas Cowboys have helped The Salvation Army kick off the campaign, which has raised more than $1.8 billion in that time.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7346053-salvation-army-dallas-cowboys-kick-off-124th-red-kettle-campaign/
Grammy Award-winning singer and songwriter Meghan Trainor takes the stage today at AT&T Stadium to kick off The Salvation Army's 128th annual Red Kettle Campaign. Her live nationally televised halftime performance during the Dallas Cowboys Thanksgiving Day game against the Washington Redskins will air on Fox.
“Watching football together is a huge tradition for my family, even more so on Thanksgiving, so it's surreal to be able to perform today,” said Trainor. “The fact that this is helping raise awareness for The Salvation Army's Red Kettle Campaign makes it even sweeter.”
To view the multimedia release go to:
https://www.multivu.com/players/English/8403453-salvation-army-red-kettle-fight-for-good-meghan-trainor-dallas-cowboys/
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Booking.com, the world’s number one accommodation site, today unveils The Booking’s Best Awards – an exclusive award that goes to only 260 accommodations out of a possible 600,000 - as decided by over 40 million real, relevant and recent customer reviews. Whether it’s the tastiest breakfast, an off the beaten track stay or just plain value for money, the Booking’s Best Awards recognise that it’s the little things that can make or break a holiday.
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To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7487251-bookings-best-awards-world-travel/
PetSafe® brand is offering pet parents an affordable, effective way to allow their pets to play safely in their yard with its new Free to Roam Wireless Fence™ system.
Traditional above-ground fences cost thousands of dollars and may not be an option for people living in rental properties. The PetSafe Free to Roam Wireless Fence provides a convenient solution for a fraction of the cost of traditional fencing.
The PetSafe Free to Roam Wireless Fence covers a circular area of up to half an acre or 180 feet in diameter. The boundaries can be adjusted from 5-90 feet in all directions of the indoor transmitter. Since the system is completely wireless, there are no unsightly cables to bury – simply plug the transmitter into a standard outlet.
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To view the multimedia release go to:
http://www.multivu.com/players/English/7827751-petsafe-free-to-roam-wireless-fence/
New Amsterdam® Vodka is teaming up with talented street artists across the country to launch the “It’s Your Town” Street Art event series– an eight-city tour showcasing original works by local artists that celebrate the vibrant culture and people who make each city come alive. Each artist will draw inspiration from their city surroundings to create eight original pieces of work. The crown jewel of each exhibition will be a larger-than-life outdoor mural for the entire city to enjoy.
The final collection of “It’s Your Town” artwork will feature pieces from all eight artists, creating an opportunity for fans across the country to recognize and celebrate the individual culture that makes their cities unique.
To view the multimedia release go to:
http://www.multivu.com/players/English/7808951-new-amsterdam-vodka-its-your-town/
The collection celebrates the recreational calm of the nature by offering a range of contemporary active pieces with everything from chunky lightweight knits in natural yarns to wool mix shirts. GANT reinvents those preppy classics with a contemporary vibe – creating a clean and sporty feel. For the holiday season, GANT makes gift giving easy with active knits, soft cashmere-blended sweaters, Fair Isle and argyle patterns and the iconic GANT pullover.
To view the multimedia release go to:
http://www.multivu.com/players/uk/7769052-gant-originals-fall-winter-2016/
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“Someone special at St. Jude would like to say hello,” this is what Guests at Chili’s® Grill & Bar Highland Springs restaurant heard after choosing to donate to St. Jude Children’s Research Hospital® during this year’s Create-A-Pepper campaign. It’s often difficult to connect how an add-on donation at the end of a meal or coloring a pepper while at Chili’s can have an impact on the kids at St. Jude, but over the past 15 years, each donation and pepper has added up to more than $64 million to support St. Jude’s mission of Finding cures. Saving children®.
This year, Chili’s is showing how a little action can create a big impact by continuing to connect those who care with those in need of care. ChiliHeads at Highland Springs in Beaumont, Calif. surprised everyday Guests with a special thank you for their donation to St. Jude. Guests came in expecting a normal dining experience and got something completely different. After a donation, Guests received a video call from a St. Jude survivor who personally shared their story and the difference each donation makes in ensuring that no family ever receives a bill.
To view the multimedia release go to:
https://www.multivu.com/players/English/8227251-chilis-st-jude-create-a-pepper/
