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
World trade in perishable foods turns a page as Maersk Container Industry (MCI), an independent business unit in the Maersk Group conglomerate, today announced that it has begun production of the first refrigerated containers and Star Cool refrigeration machines built in South America at its new MCI facility in San Antonio, Chile.
The first trial production of these ISO standard 40 feet reefer containers were successfully delivered during the third quarter of 2015 into the Maersk Line and CMA CGM operations. Shortly thereafter, both shipping lines placed new orders. To further leverage this new value proposition, Maersk Line has secured a fixed monthly volume from the MCI facility allowing for increased agility and fast response time to the demand in the region.
“In this sweet spot of fruit exporters, we have placed the factory right where the demand is. For the first time ever in South America, reefer containers can go straight “from factory to farm”,” said Stig Hoffmeyer, Chief Executive Officer of MCI. “Offering the Star Cool Integrated reefers locally to shipping lines, farmers, fruit distributors and leasing companies, will have a financial benefit counted in thousands of dollars per reefer, and millions for the industry in total,” he continued.
To view the multimedia release go to:
http://www.multivu.com/players/uk/7688551-maersk-container-industry-factory-chile/
A new survey from the Gout & Uric Acid Education Society (GUAES) finds many Americans with gout may be placing too much emphasis on diet when it comes to managing the disease and controlling painful flares. Of all the steps taken to manage gout, respondents cited changing their diet by eliminating or reducing consumption of certain foods as their top step taken (50 percent)—even ahead of taking medications to lower their uric acid levels (40 percent) and maintaining an overall healthy fitness level (33 percent). Furthermore, nearly one in three with gout incorrectly believes that the disease can be completely avoided by eliminating certain foods; and more than one in four said they would not take medications if they were making dietary changes.
“Physicians all too often see patients who believe they can successfully manage their gout with diet alone,” said N. Lawrence Edwards, M.D., a rheumatologist and GUAES chairman. “But even with extremely rigid diet restrictions, most gout patients will only be able to lower their uric acid levels slightly—not nearly enough to achieve a healthy level to control flares and reduce risk for long-term damage.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7835451-guaes-diet-survey/
After hundreds of hours of test drives, research and evaluation by independent jurors, the Genesis G70, Hyundai Kona/Kona EV and Ram 1500 were revealed as the winners of the 2019 North American Car, Utility and Truck of the Year (NACTOY) awards presented today at the North American International Auto Show in Detroit.
Chosen by a panel of 54 respected jurors from print, online, radio and broadcast media across the U.S. and Canada – rather than a single publication or media outlet – the awards are among the most prestigious and unique in the industry.
To view the multimedia release go to:
https://www.multivu.com/players/English/8467551-2019-north-american-car-utility-truck-awards/
This season, the House of Givenchy, under the initiative of Artistic Director Riccardo Tisci, is bringing an exceptional collection to New York, as the city represents the capital of the American dream for the designer and for the founder Hubert de Givenchy, who were both supported from the very beginning by the American market.
On September 11th 2015, New York hosted a performance show dedicated to love and sharing. With a décor of recycled materials installed on the banks of the Hudson in Tribeca, there was an unprecedented audience in attendance: professionals from the fashion world rubbed shoulders with celebrities, fashion-school students, winners of a competition organized in partnership with the city, and local residents from the neighbourhood.
The website givenchy.com and giant screens installed across the city, from Soho to Times Square, also broadcast the show live, while advertising buses made their way across the Bronx, Harlem, and Queens inviting a wide a number as possible to follow the event.
With Marina Abramović, a friend of the House and co-author of numerous artistic projects, Riccardo Tisci created a performance which reached beyond the scope of fashion. Designed to be an emotional experience focusing on universal themes (love, peace, freedom, humility, spirituality), it notably put the spotlight on four artists who performed spiritual and cultural chants from across the world. True to form, Marina Abramović also invited seven artists to host live performances on the show's location.
To view the multimedia release go to:
http://www.multivu.com/players/uk/7621751-givenchy-riccardo-tisci-new-york-city/
Since 1984, the National Insurance Crime Bureau (NICB) has published annual reports—known today as Hot Spots—that examine vehicle theft at the national and local level. NICB was originally established in 1912 as the Automobile Protective and Information Bureau and the company focused exclusively on recovering stolen motor vehicles that were insured by its 11 member insurance companies.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/70506511-nicb-national-insurance-crime-bureau-annual-vehicle-theft-hot-spots-report/
Dua To Literally Boost Your Energy ᴴᴰ ┇ #DuaRevival ┇ by Ustadh Majed Mahmoud ┇ TDR Production ┇
Assalaamu Alaikum Wa Rahmatullahi Wa Barakaathuhu
*This video is Created by & for The Daily Reminder. Feel free to re-upload and share.
**No Music was used in the production of this video
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Dua To Literally Boost Your Energy ᴴᴰ - Ustadh Majed Mahmoud
One time Fatima (radiallahu anha) -- she went to complain to her husband Ali ibn Talib (radiallahu anhu) about how exhausting and tiring the housework has become on her. You know what, the family - Ali and Fatima (radiallahu anhuma) -- was a very poor family actually. Unlike many other homes, they had no money to afford to have a servant or a maid to help out in the housework. So Fatima (radiallahu anha) used to do everything. And you gotta appreciate that because there were no washing machines, no dishwashers, no vacuums, nothing! It was all physical work. So Ali ibn Talib (radiallahu anhu) hearing this, he says, 'Ya Fatima! How about you get a servant?'(Fatima says) 'How can I get a servant? We don't have money for this stuff?' He tells her, 'Ya Fatima! I have heard that your father Muhammad (Sallallahu Alaihi Wasallam) just recently received some prisoners of war. And why not you go and request from your father (Muhammad Sallallahu Alaihi Wasallam) to give you one of those people to be a servant for us? Why not?' Fatima liked the idea. She never the Prophet Sallallahu Alaihi Wasallam had received such a group of prisoners of war, and she wants now to go to the house of R asulullah (Sallallahu Alaihi Wasallam) and she heads there right away. She knocks on the door. Aisha (radiallahu anha), the wife of Muhammad Sallallahu Alaihi Wasallam opens the door and they greet each other and Fatima asks, 'Ya Aisha! Is my father there?' And Aisha says, 'No, he's not here.' Then Fatima basically wants to tell her exactly what her request is like and she tells her, 'You know what? I heard my father has received some prisoners of war and I was hoping I could get one [like] to be [like] a servant for our family. That'd be really nice.' So Aisha (radiallahu anha) says, 'You know what, the moment your father comes back I will surely let him know of what your need is.' Beautiful! Fatima goes back home. The Prophet Sallallahu Alaihi Wasallam -- after some time -- comes back to his house. And Aisha tells him exactly why Fatima came and the request, 'you know what, she's looking for a servant to help her out with all the housework.' Rasulullah says, 'you know what, I'm going to go right now to the house of Ali.' Allahu Akbar! Rasulullah Sallallahu Alaihi Wasallam heads to the house of Ali ibn Talib (radiallahu anhu). As he gets there, Ali and Fatima -- they would like to stand up and greet the Prophet Sallallahu Alaihi Wasallam. But the Prophet says, 'Ala makaa nikum."He says, ' Ala makaa nikum -- Stay the way you are. Stay in your bed, no need to stand up. Just relax.' And the Prophet Sallallahu Alaihi Wasallam -- Allahu Akbar! -- He comes and he sits on their bed in between Fatima and Ali (radiallahu anhuma). And he tells them... "Hal adullukuma 'ala khayrim mimma sa altuma -- shall I not guide you of something that is better and more beneficial to both of you than whatever you have requested (i.e. having a servant)? Whenever you're about to go to sleep -- itha awaytuma firaashikuma -- you shall say fasbbiha thalaatha wa thalaatheen (say Subhanallah thirty three times) wahmadaa thalaatha wa thalatheen (say Alhamdulillah thirty three times) wa kabbirah arba'un wa thalatheen (and say Allahu Akbar thirty four times). Haatha khayrullakum min khadim -- Allahu Akbar! -- This is better for you than having a servant!'
The official opening of CeBIT 2016 was attended by many VIPs. Among them were German Vice Chancellor Sigmar Gabriel and EU Digital Economy Commissioner Günther Oettinger. Proof that CeBIT is a key platform for high-level political dialogue.
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/
Christina Nicols, senior vice president and director of strategic planning and research at Hager Sharp, was named the Washington Women in Public Relations’ (WWPR) 2015 Washington PR Woman of the Year Friday in a ceremony honoring top public relations executives and celebrating women in communications.
Nicols was one of three public relations professionals chosen as an honoree for the 26th annual award. The other finalists were Carrie Fox, president of C. Fox Communications, and Lisa Throckmorton, chief operations officer at SpeakerBox Communications. The three finalists represent women who have led some of the most influential communications campaigns in the District and across the country.
“This is a phenomenal honor and I am humbled to be surrounded by such exemplary leaders in the field who are dedicated to mentoring and supporting the next generation of public relations professionals,” said Nicols. “It is a special privilege to join the ranks of previous PR Woman of the Year recipients including Hager Sharp’s own cofounders Susan Hager and Marcia Sharp, as well as our CEO Jennifer Wayman and executive vice president Debra Silimeo.”
Nicols was presented the award by Silimeo, the 2010 PR Woman of the Year, at Friday’s luncheon.
To view the multimedia release go to:
http://www.multivu.com/players/English/7695751-2015-wwpr-woman-of-the-year-award/
Tourism Australia has launched its latest campaign, which is focused on highlighting the country’s world-class aquatic and coastal experiences, in a bid to lure more international visitors to Australia.
The new creative, the latest instalment in Tourism Australia’s global There’s Nothing like Australia campaign, was officially unveiled at an event in New York on Australia Day eve attended by Australia’s Minister for Foreign Affairs the Hon. Julie Bishop.
Guests at the event were treated to immersive ‘virtual reality’ displays and aquatic-themed images being projected onto the ice rink at the famous Bank of America Winter Village at Bryant Park alongside the reveal of a new broadcast ad, featuring a voiceover by Australian actor and new Tourism Australia global ambassador Chris Hemsworth. The event was hosted by Australian chef Curtis Stone and guests enjoyed a specially designed Australian menu by Luke Mangan.
To view the multimedia release go to:
http://www.multivu.com/players/English/7742051-tourism-australia/
When it comes to bringing the best ingredients together to make memories around America’s tables, Hellmann’s has some experience – 100 years of experience to be exact. Nearly a century ago, regulars in a New York City deli discovered a new condiment that made their club sandwiches even more delicious – just one bite and they were hooked. The secret ingredient was deli owner, Richard Hellmann’s, family recipe for mayonnaise, which would grow to be one of America’s most enduring and iconic food brands – Hellmann’s Mayonnaise.
To view Multimedia News Release, go to http://www.multivu.com/mnr/61442-hellmanns-celebrate-centennial-celebrity-chef-mario-batali-joining-america
