Four students with four unique experiences, residing in three different countries. What do they all have in common? They have either completed or are on the path of completing the entire Kumon Math and Reading Program, which ends with critical reading and calculus. Their mastery of self-learning and ability to study above grade level has led them to achieve remarkable heights at such a young age.
Meet Jessica, at 10-years-old she speaks six languages and dreams of becoming a fiction writer one day.
Meet Elina, 14-years-old. She won a national architecture competition that asked students to design a model for future schools.
Meet Etash, at 16-years-old he has already created and published two apps, won the 2017 Congressional App Challenge for Colorado and was invited to Washington DC by his congressman.
Meet Jesica, 20-years-old. She is researching accessible and inexpensive solutions for diabetes—Mexico’s number one cause of death—in the diabetes lab at the National Autonomous University of Mexico.
To view the multimedia release go to:
https://www.multivu.com/players/English/8238652-kumon-2018-inspirational-student-videos/
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
As we quickly approach Thanksgiving, the rush for a well-rounded holiday menu has already begun. You want to showcase your exemplary culinary skills to your friends, family, and coworkers, right? Don’t worry - you are way more fun than just mashed potatoes. Bellucci has just the recipe to kick-start your Thanksgiving celebrations.
“Knowing how to cook flavorfully with fresh and simple ingredients is the key to holiday hosting,” says Susan Testa, the Director of Culinary Innovation at Bellucci. “Crostini, also known as mini toasts, are the perfect make-ahead Thanksgiving party appetizer. You can top them with local ingredients from your farmer’s market, bake, and drizzle with Organic Bellucci Extra Virgin Olive Oil. Our Butternut Squash and Chèvre Crostini are deliciously savory, sweet, and sultry.”
To view the multimedia release go to:
https://www.multivu.com/players/English/8009051-bellucci-no-fuss-toast-to-thanksgiving/
As the holiday season approaches and people begin planning their decorations, Cyberonics, Inc. is urging them to maintain the momentum of Epilepsy Awareness Month in November by incorporating purple lights into their holiday décor.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7378051-cyberonics-launches-mylifeisbright-campaign-healthyandbright-promotion-epilepsy-awareness-month-shine-purple-lights/
As an addition to the social responsibility project it started for sheltering street animals, the lucky address for shopping, n11.com, has now redesigned its delivery boxes, turning them into portable "homes" that can protect animals living on the streets from the harsh conditions of winter.
Contributing to the e-trade sector with its innovative activities, n11.com has completed the design work that it has been conducting in the last period, turning its delivery boxes into portable "homes" for street animals.
The special boxes were designed to especially endure cold weather conditions and were produced after approximately a year of Research and Development efforts. From now on, shoppers who order pet food on n11.com will be contributing to providing street dogs and cats with a warm home.
To view the multimedia release go to:
http://www.multivu.com/players/English/7664151-n11-com-boxes-homes-animals/
Comic novels can be whimsical, absurd or just plain funny, rarely are they all three.
A riotous romp on the high seas that’s sharply intelligent and refreshingly zany.
A five star cruising experience with passengers unaware that plots are afoot to rob
them of their jewels and maybe their freedom culminating in an astonishing and unpredictable ending.
This is one trip you don’t want to miss. Find out more at http://www.chillikippen.com/ comedy/thriller
Startup or big player – which is more flexible, more agile, better? Over 400 startups have
come to Hannover to link up with big multinational corporations. We visited them at the
CeBIT show to find out who is learning from whom, and what new initiatives are emerging.
Castrofate
"Shattered Soul"
from the album 'Castrofate' out March 1, 2014
Cataclysmic Metal Records
facebook.com/CataclysmicMetalRecords
Video by JNP Productions
http://www.jnpproductions.com/
www.castrofate.com
Order Page: www.castrofatepictures.com New CD and New Hit The Lights/Castrofate Shirt Paypal buttons will be added soon
CASTROFATE's "Shattered Soul" is Track 4 off the band's 5th self-titled album 'Castrofate' which features 8 songs and will be available from the band for $5 on March 1, 2014. The album will be sent free to people who purchased the band's previous 2 albums 'iHuman' & 'Systematic Suicide', anyone who has purchased those was placed on a list to receive a free copy, and anyone who still buys them will still be placed on the list up until February 4. Pre-Orders will also begin soon. The album, as well as the video, are the first to feature a full 4-piece line-up.
'Castrofate' album line-up:
Danny Castro - vocals & guitar
Tom DeFazio - lead guitar
Dok Dwyer - bass
Dima Shnaydman - drums
Produced by Nick Killmeier & Danny Castro
Engineered by Nick Killmeier at Crossfire Productions
The Amos Family had a dream—to raise $1 million to help shelter dogs find forever homes. Now, with the help of pet industry leaders Wahl and GreaterGood.org, this dream is a reality. The Australian family of five has picked up and moved to the states, and for the next year their home will be an RV and a giant dog-shaped mobile dog washing vehicle. It’s called the Bathe to Save Tour, and its mission is to visit 150 cities in all 50 states, raise money and awareness, and wash more than 25,000 dogs to get them ready for adoption.
To view the multimedia release go to:
http://www.multivu.com/players/English/7978551-wahl-bathe-to-save-tour/
Every month, hundreds of thousands of Americans leave their jobs. And they’re bringing their IT access with them—from passwords to the corporate Twitter account to confidential files stored in personal Dropbox accounts.
This data comes from the 2014 Intermedia SMB Rogue Access Study, which was released today. Based on a survey of knowledge workers performed by Osterman Research, this study quantifies the staggering scope of the “Rogue Access” problem. And it presents a wake–up call for every business in the country.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7281751-intermedia-s-2014-smb-rogue-access-study-security-threat-posted-by-former-employees/
I’m on the run with the Grim Reaper and a scary soldier. And I’m no longer on Earth. Now I’m expected to be a Knight and a savior to prevent war and the invasion of Earth. But they grabbed the wrong girl. I just don’t know how to tell them. Find out more at http://www.candyatkins.com
