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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

Professor Hans and Sasha Snow on Casual Sex. Women often get laid down by men who engaged them in an intellectual and humorous fashion. It seems like there is an internal connection between s*x and how women are intellectually stimulated. Women in today’s generation are a little bit different compared to the ones from 3 or 4 decades ago. Before, they were cautious and conservative but nowadays they’re somehow quite the opposite. Most women from before prefer long term steady relationships but now most of them would just prefer hooking up guys with no strings attached or engage in a friends with benefits casual s*x relationship. Professor Puppet After Dark is brought to you by Adam & Eve. Enter the Adam and Eve Coupon Code HANS at the http://AdamAndEve.com checkout to get 50% OFF plus FREE Shipping, plus FREE Mystery Gift and plus 3 FREE DVDs. Remember Promo Code HANS at the checkout at http://AdamAndEve.com.

As another school year ends, American parents once again face the challenge of making sure their kids get enough daily physical activity to keep them occupied throughout the summer. Based on the results of a recent national survey of parents with children ages 3-17, that may be easier said than done. While the U.S. Centers for Disease Control and Prevention recommends that kids have at least 60 minutes of daily physical activity, the Let’s Play 2016 State of Play Survey, commissioned by Dr Pepper Snapple Group (NYSE: DPS), revealed that only one out of three children participates in daily active play. There also appears to be a significant drop in daily active play when most children head off to kindergarten. Half of 4-year-olds get active daily playtime, compared to 31 percent of 5-year-olds. To view the multimedia release go to: http://www.multivu.com/players/English/7816051-dr-pepper-snapple-lets-play/

Taking center stage at the 2016 Chicago Auto Show are more than 20 vehicles that made their world debut during the Media Preview including the Kia Niro, Ram Power Wagon, Nissan Armada, Toyota Tacoma TRD Pro, Chevrolet Trax, Hyundai Santa Fe and Infiniti Q50 among others. More than a dozen concept cars are also on parade, including the Acura Precision, Buick Avista, Genesis Vision G, Kia Telluride and Nissan Murano Winter Warrior. This year marks the 108th edition of the Chicago Auto Show. First staged in 1901, the Chicago Auto Show is the largest auto show in North America and has been held more times than any other auto exposition on the continent. The show runs from Feb. 13-21 and opens at 9 a.m. each day. There are nearly 1,000 different vehicles on display throughout the more than 1 million sq. ft. of McCormick Place. To view the multimedia release go to: http://www.multivu.com/players/English/7660251-chicago-auto-show-2016/

After his wife of 54 years died in 2006, Chuck Swartwout decided there had to be more to life than merely the time spent on earth. This realization motivated him to take a long analytical look at the afterlife, which he believes we will all enter after death. Using his training in the scientific method, Swartwout researched and published You Don’t Die – You Just Change Channels! which he describes as a ‘common sense’ approach to prove the existence of an afterlife.http://www.chuckswartwout.com/ Media Contact: For a review copy of You Don’t Die – You Just Change Channels! or to arrange an interview with Chuck Swartwout, contact Scott Lorenz of Westwind Communications Book Marketing at scottlorenz@westwindcos.com or by phone at 734-667-2090 http://www.book-marketing-expert.com Inspirational

Despite a dramatic increase in participation over the last decade, a new household survey commissioned by the Afterschool Alliance finds a significant gap between the demand and supply of afterschool programs. The 2014 edition of America After 3PM, which includes responses from 30,000 U.S. families, finds that for every child enrolled in an afterschool program, there are two more who are not and whose parents would enroll their child, if a program were available. To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7335451-afterschool-alliance-survey-finds-unmet-demand-for-afterschool-programs/

A Princess of Roumania fantasy, with an extraordinary, intense, compressed SF novel in three parts, each set in its own alternate-history universe. The sections are all rooted in Virginia and the Battle of the Crater, and are also grounded in the real history of the Park family, from differing points of view. The first section is set in the aftermath of the Civil War, in a world in which the Queen of the North has negotiated a two-nation settlement. The second, taking place in northwestern Massachusetts, investigates a secret project during World War II, in a time somewhat like the present. The third is set in the near-future United States, with aliens from history. The cumulative effect is awesome. There hasn’t been a three part novel this ambitious in science fiction since Gene Wolfe’s classic The Fifth Head of Cerberus. Find out more at http://us.macmillan.com/allthosevanishedengines/PaulPark Fantasy/Scifi

Fall in love with India and the bustling city of Mumbai in Ajay Kaul’s book of short stories, Mumbai Matinee, truth-based fiction that acts as both memoir and travelogue. Mumbai Matinee portrays the veritable feast of the commerce, people, and danger which make up India’s most populous city and financial capital. Filled with eight interconnected short stories based on Kaul’s life and work there, this charming book is a terrific pleasure read and highly recommended if you plan to visit. Find out more at https://www.facebook.com/ajaykaulwriter romance, thriller

The egg has been associated with festivals celebrating spring for many centuries. Decorating eggs for Easter is a tradition that dates back to the 13th century or earlier. Eggs were formerly a forbidden food during the Lenten season, and there are rituals in many countries involving painting and decorating them to mark the end of the period of penance and fasting, and then eating them as a celebration of Easter. To view Multimedia News Release, go to http://www.multivu.com/mnr/54146-u-s-fda-playing-it-safe-with-eggs-food-safety-tips

Potty Training the animals is a top quality interactive book app for toddlers and -kids from 1 to 4. It is perfect for potty training time with sweet and relaxing music and stunning 2D interactive illustration that will delight both parents and children. Potty Training the animals allows children to take an active role in taking them to potty thus getting them ready for their own potty time … Brilliant! All around the farm the animals are interested to go to the potty, the animals make those funny potty dancing movements and even feel butterfly's in their stomach. But who takes them to the potty? Who Flushes? That is the task for small children. Watching all the animals go to the potty is a lovely way to set the mood for potty training. set the mood for potty training: You've conquered so many challenges in your parenting life, but there is still a bit of unfinished business that can bring you and your toddler to tears. Potty training the animals!! Luckily, there's an app for that—turn frustrating into fun with these potty training app. turn frustration into fun: You've conquered so many challenges in your parenting life, but there is still a bit of unfinished business that can bring you and your toddler to tears. Potty training the animals!! Luckily, there's an app for that—turn frustrating into fun with these potty training app.

The Mohammed bin Rashid Al Maktoum Global Initiatives and the Bill & Melinda Gates Foundation today launched a global thought leadership platform to help frame and stimulate regional and global debate on vital development issues shaping the Middle East. The “Middle East Exchange” will commission original articles from international experts including Nobel laureates, heads of state, academics and intellectuals. New articles will be published weekly in newspapers globally on a wide range of topics relevant to the region, from health and education to development and innovation. UAE Minister of Cabinet Affairs His Excellency Mohammed Al Gergawi discussed the project at a meeting with Bill Gates, Co-Chair of the Bill & Melinda Gates Foundation, in Abu Dhabi on December 6. Speaking after the meeting, H.E. Al Gergawi said: “The Middle East has spent too long in the global spotlight as a source of conflict and trouble. His Highness Sheikh Mohammed bin Rashid’s vision is for innovative and tangible solutions that benefit people’s lives on the ground. There is a huge appetite for practical ideas. The Middle East Exchange will be the number one global platform for positive voices and ideas for the Middle East.” To view the multimedia release go to: http://www.multivu.com/players/uk/7719851-mohammed-al-maktoum-global-initiatives/

The Attention Powered Car, developed by the RAC, is into leg 3 of its road trip around WA visiting towns including Donnybrook, Nannup and Pemberton, heading to Albany and then finishing in the Wheatbelt town of Narrogin. In this episode we put two drivers behind the wheel that drive for a living. We wanted to see if their professional experience influenced their attention levels. How will our Ambo and Australia's best truck driver perform? First up was Mike. As a St John's Ambulance Volunteer, he needs to be calm and confident driving under pressure and at high speed. And it showed. So too with our second driver, Murray, who's TNT Australia's best truck driver. Both came out determined and focused to prove they had the edge. To some degree they did. Incidences of inattention were fewer and further between, but they were still there. Encouragingly, both drivers were much better at refocusing when they did lose attention. Check out this webisode to see just how they performed, as well as what insights we are finding about driver inattention as we take the Attention Powered Car through southern WA.