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
The American Society for Aesthetic Plastic Surgery (ASAPS) released its complete 18th annual multi-specialty statistical data today showing an aesthetic plastic surgery spend consistent with the figures for 2013, with Americans spending more than 12 billion dollars on surgical and nonsurgical procedures for the second year in a row. With more than 10 million cosmetic procedures performed in 2014, those that showed the largest growth in volume on a year-over-year basis included buttock augmentation (up 86%), labiaplasty (up 49%), and nonsurgical fat reduction (up 42%). Additionally, more men are turning to aesthetic cosmetic procedures, with dramatic increases seen in both surgical and nonsurgical options over the past 5 years and a 43% increase overall.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7310751-asaps-2014-plastic-surgery-trends/
There is only one choice when it come to nutrition that slows down kidney disease and helps joint problems at the same time - The Hill's Science Diet K/D + Mobility.
Learn more here: https://tier1petproducts.com/best-dog-food-for-kidney-disease/
Chronic kidney disease (CKD) is a condition often associated with advanced age. According to recent data 1 out of 10 dogs will develop CKD in his lifetime.
It is also common for senior dogs to develop other age-related conditions such as reduced mobility or cognitive dysfunction which can significantly impact the quality of life of both the pet and the pet parent.
Nutrition can play a key role in managing these age-related conditions. That is why Hill’s nutritionists and veterinarians developed new Prescription Diet K/D + Mobility for dogs.
Surely, there are a lot items designed for the various levels of pleasure, but Dr. Kat particularly enjoys the positive feedback from her clients who introduce the use of sex toys into their romantic play for the first time.
Adam and Eve is here to make that first time purchase nice and easy. Right now, www.AdamAndEve.com is offering a 50% OFF DISCOUNT on almost ANY single item plus FREE Discreet Shipping and a FREE Romance Kit. That’s a toy for him, a massager for her, and a little something that both of you will enjoy.
Just enter the Adam and Eve Offer Code HOME24 at the www.AdamAndEve.com checkout.
Now, here’s a review on a perfect beginner’s sex toy for couples, the 10-Function Remote Mini Egg. This wireless remote controlled mini egg vibrator has 10 different vibrating patterns that can be controlled by your partner by up to 40 feet away. Many have asked “What Are The Best Sex Toys For Couples?”, well, here’s one of the answers. Perfectly designed to tease your partner from afar and even play hide n seek in the bedroom. You can even wear this outside and get a little bit adventurous. For sure, this is going to spice things up during a boring dinner date.
http://adamandeveathomeshoppingshow.blogspot.com/2013/05/Best-Sex-Toys-For-Couples-Wireless-Remote-Control-Mini-Egg-Vibrator.html
Kia Motors America (KMA) today unveiled the 2017 Kia Optima Hybrid (HEV) at the Chicago Auto Show. The Optima HEV enjoys the same full redesign – inside and out – as the conventional gas-powered model, the all-new fourth-generation Optima sedan, bringing with it a new hybrid powertrain that targets a 10 percent improvement in fuel economy over the outgoing model. The enhanced HEV blends modern styling and a premium driving experience with an even more intense focus on efficiency and is being introduced under the Kia Motors EcoDynamics environmentally friendly sub-brand.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7731855-kia-2017-optima-hybrid-cas/
INRIX®, Inc., a global leader for transportation analytics, today released its 2015 Traffic Scorecard, a benchmark for governments and agencies in the U.S. and Europe to measure progress in improving urban mobility.
The report reveals the U.S. faces large challenges to solve congestion issues, fueled by continued economic and population growth, higher employment rates and declining gas prices. Cities that have experienced the most economic improvement during the past year are at highest risk for consequences related to worsened traffic conditions, including reduced productivity, higher emissions and increased stress levels. For example, Washington D.C., San Francisco, New York, Seattle and Boston all saw reduced unemployment rates bringing them below the national average of 5.3 percent for 2015.1 However, according to the INRIX Traffic Scorecard, congestion in those cities alone combined to waste 1.5 billion hours for daily car commuters last year. Nationwide, commuters spent a total of more than eight billion extra hours stuck in traffic, representing almost 50 hours per driver.
To view the multimedia release go to:
http://www.multivu.com/players/English/7775551-inrix-2015-traffic-scorecard/
In 2011, PetSafe® brand launched its nationwide Bark for Your Park program to help communities build their own off-leash dog parks. In order to help even more communities this year, PetSafe brand is restructuring the contest into a grant-giving program and increasing the number of awards from five to 25.
“In the past five years, we’ve given away over $850,000 to communities to build dog parks of their own, but now we want to help communities during every stage of development,” said Tracy Mulder, marketing manager, PetSafe brand. “Our new Bark for Your Park program is expanding to not only help break ground on new parks, but also help fund maintenance and improvements for existing parks.”
Communities can submit a grant application now through June 30, 2016 on www.petsafe.net/barkforyourpark. The applications will be reviewed by an internal committee and PetSafe brand will award five new park grants valuing $25,000 each, 10 park makeover grants valuing $10,000 each, and 10 park maintenance grants valuing $5,000 each. This year’s award recipients will receive a combination of funds and commercial-grade dog park equipment from UltraSite, a PlayCore Company. The winning communities will be announced over a 5-week period during August through September.
To view the multimedia release go to:
http://www.multivu.com/players/English/7827752-petsafe-dogs-bark-for-your-park/
Clayton, one of America’s largest homebuilders, announced the launch of a customer-driven ‘Clayton Built™ Storytelling’ initiative. The video series reinforces the national homebuilder’s purpose of opening doors to a better life, one home a time, through the eyes of manufactured and modular homeowners across America. The goal of the series is to tell the before and after stories of real customers who purchased Clayton Built™ homes.
The first video in the series tells the story of long-time spouses, Lucille and Lee Allen, as they reflect on the past 10 years of living in a Clayton Built™ home. The couple recounts this pivotal point in their lives and the excitement they experienced as their new home was delivered. They marvel as the home is built in steps by trained craftsmen and assembled in two sections at the final home site.
To view the multimedia release go to:
http://www.multivu.com/players/English/7716451-clayton-homes-storytelling-campaign/
Many women don't realize aging makes heart disease likelier. To combat this problem, teams from Brookdale senior living communities nationwide are fanning out to personally alert women 65 and over to their increased risk and provide resources to fight it. The company hopes to reach 10,000 older women through “10,000 Heart to Hearts,” beginning Feb. 1.
“Cardiac disease kills more women than all cancers combined,” said Brookdale chief medical officer Kevin O'Neil, M.D., F.A.C.P. “On average, women develop heart disease 10 years later than men, with their first heart attack occurring at age 70.”
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7087732-brookdale-senior-living/
Meredith Corporation, (NYSE:MDP; www.meredith.com) the leading media and marketing company serving 100 million American women and 72 percent of U.S. millennial women, today announced that Natalie Morales, TODAY show News Anchor and Third-Hour Co-Host; Erica Hill, NBC News’ Anchor and National Correspondent; and Carolyn Manno, NBC Olympics Host, will host and run the 2016 MORE/SHAPE Women’s Half-Marathon and kick off one of the largest women’s-only half-marathons in the country.
The race, held by Meredith’s SHAPE magazine in conjunction with the New York Road Runners (NYRR), will take place on Sunday, April 17, and draw 10,000 female runners and walkers of all ages, from around the world, to New York’s Central Park.
Morales and Hill are returning for the second year, after hosting the 2015 MORE/SHAPE Women’s Half-Marathon and completing the race in an impressive 1:38:59 and 2:06:52, respectively.
To view the multimedia release go to:
http://www.multivu.com/players/English/7788252-more-shape-womens-half-marathon-hosts/
La osteoartritis (OA) es una de las primeras 10 causas de invalidez total en México, lo que incrementa la carga económica y social del país, siendo las rodillas una de las articulaciones más frecuentemente afectadas por esta enfermedad, con una prevalencia de 10% en hombres y 13% en mujeres de 60 años de edad1. Especialistas en la materia, indican que es muy importante crear conciencia sobre el cuidado de estas articulaciones desde edades tempranas. Con este objetivo y para generar un mayor conocimiento de este padecimiento, se desarrolló la campaña “Rodillas sin dolor”.
Para ver los activos de multimedia asociados con este comunicado, haga clic en: http://www.multivu.com/players/English/7099651-sanofi-rodillas-sin-dolor-lesiones-tempranas-osteoartritis/
Most of these means of transportation won’t take you a few kilometers from home to work but they’ll do just fine for a stroll in a city park or moving around the office in any case they look unusual and for that alone deserve your attention: so here are the 10 craziest means of transportation. №1 Double- round skate Unlike a conventional skates the double round model allows you to freely manage your feet turn and spin at the heart of the skateboarder two wheels with a diameter of 25 centimeters and a comfortable platform for the feet. No 2: Hoverboard Levitating an inch above the ground the hendo borders for disc straight motors that create a magnetic field repelling the board from the ground or rather from a non ferromagnetic material over which it harbors. No 3: One wheel electric Skateboard The one-wheel skate is a self-balancing unicycle electro mechanical skateboard in simple terms it’s a new toy for adults, boys and girls it reaches speeds of about 19 km/h. No 4: Aeyo Segue started a flood of developments in the field of devices for personal mobility and some designs are quite crazy. Aeyo is a cross between a scooter a bike and a pair of roller skates which falls in the middle of the scale. No 5: Half-Bike Riding a half bike is a combination of running and cycling because you’re in a standing position and so the bike responds better to your body’s movements and turns more agility more fun and the surprise looks of passes by.No 6: Air Bike Aero-X
https://www.youtube.com/watch?v=izM7RPiN7L4
