The latest booster seat ratings from the Insurance Institute for Highway Safety show that child seat manufacturers have mastered something that once eluded them: building a seat that provides good safety belt fit for the typical 4-¬ to 8-¬year-¬old passenger.
Out of 53 new models evaluated, 48 earn the top rating of BEST BET, meaning they are likely to provide good belt fit for a 4 to 8 year-¬old in almost any car, minivan or SUV. When the Institute first began rating boosters in 2008, only a quarter of the seats evaluated earned the BEST BET designation.
SEPHORA, the leader in global prestige beauty retail announces the launch of two new bot-powered beauty tools available now exclusively on Messenger. As one of the first beauty retailers to introduce a bot earlier this year, Sephora continues to pioneer fast, easy and fun mobile-first technologies that integrate beauty into their clients’ daily routine. Sephora Reservation Assistant is an appointment booking bot to reserve a makeover at Sephora stores across the United States. Color Match for Sephora Virtual Artist is a shade matching addition to the Sephora Virtual Artist bot that scans any photo and instantly provides the closest lipstick color match from Sephora’s entire assortment.
“Our two new bots for Messenger offer enhanced ways for our clients to engage with Sephora by streamlining how they access relevant service and product information on their mobile devices,” said Mary Beth Laughton, SVP of Digital for Sephora. “We’re excited to leverage the Messenger platform to create quick and natural conversational interactions that are client-led. This allows us to provide richer, more varied conversations that ensure clients get exactly what they want out of the experience.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7926152-sephora-messenger-beauty-tools/
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 Prostate Cancer Foundation is throwing a one-two punch to knock out prostate cancer for good with the recent production of a public service announcement featuring boxing legend and five-time heavyweight champion of the world Evander Holyfield. The message encourages African-American men to get regularly checked for prostate cancer because they are more than twice as likely to develop this disease than any other type of cancer.
To view the Multimedia News Release, go http://www.multivu.com/players/English/7545851-pcf-holyfield-prostate-cancer-psa/
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The Lincoln Continental, the Mercedes-Benz E-Class and the Toyota Avalon come out at the top of a group of six large cars recently evaluated by the Insurance Institute for Highway Safety.
The three cars qualify for TOP SAFETY PICK+, the Institute’s highest award. The Tesla Model S, the Chevrolet Impala and the Ford Taurus fall short of any award because they each earn only an acceptable rating in the small overlap front test.
Vehicles qualify for either the TOP SAFETY PICK or TOP SAFETY PICK+ award if they have good ratings from IIHS in five crashworthiness tests — small overlap front, moderate overlap front, side, roof strength and head restraints — and an available front crash prevention system that earns a superior or advanced rating. To qualify for TOP SAFETY PICK+, a vehicle also must come with good or acceptable headlights
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The ranks of top-rated booster seats continue to grow as manufacturers design models to earn high marks in the Insurance Institute for Highway Safety’s annual booster seat evaluations, plus offer the style and convenience parents look for when it’s time to pick a safe seat for their booster-age children.
Among the 41 models new for 2014, there are 27 BEST BET seats — more than in any prior year — and three GOOD BETs. Eight boosters are in a category the Institute calls “Check Fit,” and there are three new models that the Institute doesn’t recommend using as boosters. Prices for BEST BET boosters start around $25 and go up to about $370, depending on features, and several models are LATCH compatible.
