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
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/
The Freestyler Exercise Equipment was designed to be a true bodyshaper and fatburner at the same time. We used elastic tubes because they are much more similar to the muscle structure than any other equipment which makes the workout feel more natural and enables lean looking muscles. The Freestyler will help you shape a healthy and perfectly toned body with exercises that include slow controlled movements.
There are many different attractive body types, but many women want to achieve the curvy look that is so fashionable and appealing these days. Such a look requires the right group of exercises, and the Freestyler Exercise Equipment is designed so that women can work their way to a curvy body with a little bit of hard work and effort. The Freestyler is compact, effective and affordable, and it offers everything a person needs to achieve the curvy look.
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HOKA ONE ONE® is proud to announce the signing of 2012 Olympic silver medalist Leo Manzano, who specializes in the 1500-meter and mile distances, to a multi-year agreement.
Manzano, 29, was a five-time NCAA Champion at the University of Texas, and has been ranked among the top three milers in the U.S. for the past seven years. A model of consistency, he has made every U.S. Olympic and World Championships team since 2007. Known for his signature kick, Manzano was in sixth place coming off the final turn at the London Olympics before storming up the homestretch to earn a silver medal—the first Olympic medal of any kind for the U.S. at 1500 meters since Jim Ryun in 1968.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/7160651-hoka-one-one-signs-olympic-silver-medalist-leo-manzano
Nationally-recognized and long-standing sports announcer Jerry Punch, M.D., is teaming up with Men’s Health Network and Endo Pharmaceuticals Inc., a subsidiary of Endo International plc (NASDAQ: ENDP) (TSX: ENL), to launch “Ask About the Curve,” a new educational campaign designed to raise awareness of Peyronie’s disease. Peyronie’s disease is a little-known men’s health condition that can occur during midlife or later. And, while the disease is physical in nature, the impact may also be psychological and could possibly hold men back from talking about it.
Peyronie’s disease, or “PD,” is a condition that can cause curvature of the penis that could be painful during arousal and intimacy. It can affect as many as one in 10 men worldwide, but diagnosis rates remain low because men with PD may be too uncomfortable to speak up and get help. Together with Endo and Men’s Health Network, Dr. Punch is encouraging men who think they might have PD to face their challenge head on by starting the conversation with their doctor.
“As a sports commentator, I’ve witnessed thousands of men on the court, on the field and on the racetrack in their physical prime – cool, confident and thriving in the face of challenge. But, as a licensed physician, I’ve seen how this bravado can turn to embarrassment – even isolation – when that challenge becomes personal or intimate,” said Dr. Punch. “Often, men feel too awkward to talk about issues like Peyronie’s disease, even with a doctor. And while it may seem tough, it’s important that any man with PD see a doctor, and ask about the curve. Starting the conversation is the first step to getting help.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7752151-ask-about-the-curve-psa/
Texas Instruments (TI) today launched STEM Behind Cool Careers, a series of calculator activities and videos designed to introduce middle and high school students to unexpected science, technology, engineering and math (STEM) careers. The fun, free activities are designed for the TI-Nspire™ CX and TI-84 Plus CE graphing calculators to show students how a solid understanding of STEM subjects is vital for any career, even careers students least expect.
To view the multimedia release go to:
https://www.multivu.com/players/English/7746258-ti-john-urschel-stem-careers/
Award winning Director is going to direct three renowned stars of Hollywood. These frames do not need any introduction. This is a very rare combination and definitely be a block buster.
For 30 years, wine lovers across the United States have eagerly anticipated the third Thursday of November and the grand unveiling of Georges Duboeuf Beaujolais Nouveau. And every year, Georges Duboeuf surpasses expectations as the new vintage arrives amid a flurry of excitement and spectacle. If there is any wine that deserves such a festive welcome, it is certainly Georges Duboeuf Beaujolais Nouveau – the first wine of the harvest and the first taste of a new vintage.
To view Multimedia News Release, go to http://www.multivu.com/players/English/58489-georges-duboeuf-beaujolais-nouveau-2012-thirty-years-of-magic/
Every 33 seconds a child under 13 is involved in a car crash in the United States, according to 2014 data from the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA). Safety seats, if used correctly, can dramatically reduce the risk of fatality or injury. But 59 percent of car seats are misused in a way that could reduce their effectiveness, and over one-third of children killed in car crashes were completely unrestrained at the time of the crash. Today, NHTSA and the Ad Council unveiled a new series of public service advertisements (PSAs) to educate parents and caregivers about the importance of selecting the right seat for their child’s age and size, and to remind them that car seats, booster seats and seat belts offer the best protection for children in crashes and help save lives.
“Life can change in an instant. We want parents and caregivers to prepare for the unexpected, rather than face their worst nightmare,” said Dr. Mark Rosekind, NHTSA administrator. “Buckling up a child correctly and in the right seat is the best protection any parent can do to see their child walk away unharmed from a car crash.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7774451-ad-council-find-the-right-seat/
2017 Renault Zoe
Renault has introduced a new Z.E. 40 battery for ZOE. At the same, ZOE owners can benefit from a range of new connected services and equipment upgrades. Order books for the new ZOE line-up are open. The new ZOEs fitted with the new Z.E. 40 battery are made at Renault's Flins plant in France and will be available for delivery before the end of 2016.
Double the range for even longer journeys
As the pioneer of all-electric mobility and Europe's number one seller of electric vehicles, Renault has stepped up its innovation programme and the deployment of its Zero Emissions strategy.
Fitted with the new Z.E. 40 battery, the Renault ZOE now delivers a record NEDC driving range of 400km, which is twice the distance delivered by the model at the time of its original launch.
The new Z.E. 40 battery has a real-world range of 300 kilometres in urban or suburban areas, for example.
The range permitted today by the ZOE is the longest of any mainstream all-electric vehicle and motorists can take advantage of this step forward now.
The ZOE is the best-selling electric vehicle in Europe and provides a real alternative to internal combustion-engine cars, since average daily commuting distances are well within the ZOE's capabilities.
The new battery removes the final psychological barrier that stands in the way of buying an electric car since ZOE users can now travel further and enjoy a wider variety of driving situations without worry about charging. This makes weekend trips a real possibility.
The Z.E. 40 battery's charging rate is similar to that of the standard battery, so 'topping up' doesn't take long at all. For example, just 30 minutes are required on average to charge the battery for an extra 80 kilometres of driving range when plugged into one of the many public charging points in operation in Europe. The ZOE continues to be equipped with the Quick Charge function to take full advantage of the maximum capacity of fast charging points located predominantly along motorway corridors.
An innovation that doubles battery capacity with no increase in size
The ZOE's new Z.E. 40 battery boasts 41kWh of useful energy, equivalent to almost double the storage capacity of the ZOE's standard battery (22kWh of useful energy).
Developed in close partnership with LG Chem, the battery uses high-energy density lithium-ion technology.
Renault and LG engineers have succeeded in increasing storage capacity without making the battery any bigger or a lot heavier. It was optimised by working on the chemistry of the cells in order to increase their energy density, rather than stacking additional battery modules, a commonly used technique.
This major new technology has been developed while ensuring the battery's reliability or safety.
The battery's large storage capacity ensures longer range for the ZOE thanks to the meticulous work that went into integrating the battery in the vehicle. The electronic management system of the battery optimises the ZOE's energy use on the move, while the new air circulation system maintains the temperature of the ZOE's battery at a constant level, making the car economical to run in very hot or very cold weather.
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This is not a GSM phone, it will not work on any GSM network worldwide. The iPad 2 is expected to be considerably slimmer and lighter than the original, with front and back cameras to allow for video calling, and possibly an improved screen resolution.
