Reporter McKenzie McClendon is tracking her next story, a sadistic killer known as The Cradle Robber, a murderer leaving pregnant women to die and disappearing with their babies. Now, a child’s future hangs in the balance. Five lives careen toward a terrifying collision. McKenzie must discover which key will unlock the puzzle, and which will get her killed. Learn more about this book and Author http://www.colbymarshall.com Thriller
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
LONDON, 23 Jan., 2019 – Dell Technologies (NYSE:DELL) announces new additions to its portfolio of purpose-built technology designed to challenge, engage and inspire K-12 educators and students worldwide. This newest line of products, including an interactive monitor plus intelligently tough Latitude and Dell Chromebook devices and a new charging cart, helps educators integrate technology with new teaching and learning practices, while encouraging students to follow their own path of discovery.
“Recent Dell Technologies research on Generation Z – those born in the mid-1990s and later – confirms our belief that for students to be successful now and in the future, educators must empower them to drive their own success and support them with tools and resources that ignite students’ natural curiosities,” said Adam Garry, director of education strategy at Dell. “These new devices enable both educators and students to inquire, create and collaborate seamlessly, wherever learning takes place.”
To view the multimedia release go to:
https://www.multivu.com/players/English/8356753-dell-technologies-bett-education/
Think “muscle car” performance, and images of speed and power are more likely to come to mind than crash tests and safety ratings. Because no one buys a sports car to drive in the slow lane, the best all-¬ around occupant crash protection is crucial. The Insurance Institute for Highway Safety (IIHS) recently put a trio of iconic sports coupes through their paces, and unlike more sedate sedans, none earns the scores needed to clinch a TOP SAFETY PICK award.
IIHS evaluated 2016 models of the Chevrolet Camaro, Dodge Challenger and Ford Mustang in the full battery of crashworthiness evaluations. The Mustang comes closest to earning TOP SAFETY PICK, while the Camaro falls shortin one category and lacks an available front crash prevention system. The Challenger is most in need of improvement.
To qualify for TOP SAFETY PICK, vehicles must earn good ratings in the small overlap front, moderate overlap front, side, roof strength and head restraint evaluations and have a basic-¬rated front crash prevention system. To qualify for the Institute’s highest award, TOP SAFETY PICK+, vehicles must earn good ratings in the five crashworthiness tests and an advanced or superior rating for front crash prevention.
Nintex, the recognized global leader in workflow and content automation (WCA), today released a new study revealing the top five most broken processes in American workplaces and how they contribute to employee satisfaction and performance.
The study, called the “Definitive Guide to America’s Most Broken Processes,” found that a third of employees at U.S. companies (with more than 1,000 employees) are currently looking for new jobs, with the vast majority (86 percent) citing their company’s broken processes as a driving factor behind this decision. One commonality found in the research is that the top five issues are unspecialized, repetitive tasks that fall in the long tail of business processes, which must be automated to drive efficiency, efficacy and employee satisfaction.
To view the multimedia release go to:
https://www.multivu.com/players/English/8146751-nintex-american-workplace-broken-processes-study/
Many people equate a conversation about hospice as being told they must give up. However, more than 1 million people across the nation have learned just the opposite. They’ve been touched by the National Hospice and Palliative Care Organization’s “Moments of Life: Made Possible by Hospice” campaign since its launch on May 15, 2014. The campaign’s intent is to debunk this myth, and show that hospice focuses on compassionate, person-centered care, which enables special moments and memories at the end of life for patients and loved ones.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7154752-national-hospice-and-palliative-care-organization-nhpco-moments-of-life-psa/
When shy Olinguito, the newest mammal in the Ecuadorian cloud forest, realizes that Tomás, an ancient Galapagos tortoise known for his tall tales, is becoming forgetful, Olinguito decides he must speak up and help Tomás. Children
Kerala Honeymoon Package @ www.irisholidays.com gives a romantic chance to explore a land of natural beauty with a varying countryside ranging from the ghats to the backwaters. Kerala is home to sprawling plantations and paddy fields, Ayurvedic treatments, enchanting art and culture, exotic cuisine .Kerala Tourism Honeymoon Packages offers a unique experience.
A honeymoon in Kerala is more than a vacation. It is a celebration of your marriage. The lure of the variety of experiences make Kerala a popular honeymoon destination all through the year. Kerala is a multi-experience tourism paradise that National Geographic Traveller magazine voted as one of the 50 must-see places in the world
The Ministry of Communications and Mass Media of the Russian Federation has announced that the Federal Law “On the preparation and holding in the Russian Federation the FIFA World Cup 2018™ and the FIFA Confederations Cup 2017 and introduction of the amendments to some Russian Federation legislative acts” was published on the official website of the President of Russia (http://kremlin.ru/acts/news/57003).
The changes to the legislation have concerned the duration of possible entry into the Russian Federation for tourists who plan to cross the Russian federal border using FAN ID. Foreign spectators and stateless persons can enter Russia with their within the time period that starts 10 days prior to the date of the first match and ends on the date of the last match, i.e. it will be possible to enter Russia with a FAN ID from June 4 to July 15, 2018. The FAN ID holders must leave the country no later than July 25, 2018. Foreign spectators and stateless persons can also exit Russia using a FAN ID either in the laminated form or in electronic format if they have valid documents of identification.
To view the multimedia release go to:
https://www.multivu.com/players/uk/8290951-fan-id-2018-fifa-world-cup-exit-russia/
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/
Living Off the Grid - http://www.thriveoffthegrid.com/ - See how others are living offgrid using the advantages of wind and solar energy plus more for off grid power and ...
Living off the grid you must take advantage of renewable energy. This renewable resource originates from several sources, consisting of sun, wind and water, to start with ...
Researchers are constantly on the lookout for more ways of making green energy. Here are the 2 types you must understand now.
Living off the Grid: - Advantages of Solar Power
i. The energy that originates from simply one hour of sun suffices to supply energy for a year for the whole world
ii. A battery can be used to store off grid solar power for evenings and cloudy days
iii. Solar panels on a roof work when the sun's rays strike the cells in the panel and electrons are released, producing energy
iv. Using solar power will typically provide a saving of $100+ each month on utility costs for the property owners of off grid homes .
Living off the Grid: - Advantages of Wind Energy
i. When wind goes through the blades of a turbine that is connected to a generator, the energy produced by the spin is converted into electrical energy
ii. A single large wind turbine can provide electricity for around 500 off grid homes
iii. Last year, 42 % of the houses that were geared up with a source of off grid power used wind
iv. Unlike most other sources of energy, wind utilizes hardly any water; not only is wind energy carbon neutral, it helps water conservation also
v. There is around 10 times the amount of wind available in the U.S. than is needed to supply power for the whole country
vi. Wind energy is presently the fastest-growing source of renewable energy: - Around two wind farms are set up weekly in the U.S.
For living off the grid, the facts indicate that the advantages of solar power combined with the advantages of wind energy now exceed any advantages that fossil fuels may have had. However it is probably down to individuals to begin the shift to a larger scale adoption, so that we may all enjoy living off the grid.
As sleaze oozes from the Pentagon, banished Marine and Naval Academy alum Susanna Marcasi finds a web of corruption and must take on a man to whom all are beholden, Defense Secretary Manfred Stahl. Can she bring down the cloistered power brokers deep within the military’s superstructure and survive? Blood Stripe: The Susanna Marcasi Chronicles Find out more at – http://www.GinaMariaDiNicolo.com
