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
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Hosting an epic successful big-game party is more than setting out some chips and beer and nobody wants to fumble on game night! Here to make sure you have all the essential elements that’s sure to be a touchdown with your guests is longtime Food Network host Marc Silverstein.
To view the multimedia release go to:
https://www.multivu.com/players/English/82339241-football-game-day-party/
Employee benefit plan regulations pose unique, high risk questions for Plan Sponsors and effect the future well-being of all plan participants. EisnerAmper meets the demands of Plan Sponsors by providing audit, tax and advisory services to assist them with their fiduciary responsibilities in this often complex and technical area.
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While we know how essential it is for our professionals to be knowledgeable in the benefit plan industry, we believe it's also as important to share that information with our clients. Below are links to two of EisnerAmper’s benefit plan libraries.
To view the multimedia release go to:
http://www.multivu.com/players/English/7461932-eisneramper-employee-benefits/
It’s said that the Ford Mustang has starred in more movies than any other car. Now GTB – Ford’s creative agency – have created a real on-screen first for the legendary marque. To celebrate the iconic driving film C’etait un rendez-vous, GTB worked with Claude Lelouch to recreate his iconic original film, in 360 VR.
Lelouch said of the remake: ‘C’etait un rendez-vous was a first in 1976, nobody had ever filmed an urban drive like it. So I was thrilled by the prospect of recreating this high-octane short using the very latest technology: making it even more immersive.’
Says Chief Creative Julian Watt, “The original 1976 movie captured an audacious eight-minute drive through Paris in the early hours of the morning. It was thrilling and ground breaking. Our idea was to maintain that essential experience, but bring the cinematic thrill of VR and the driving experience of Ford Mustang.”
To view the multimedia release go to:
https://www.multivu.com/players/uk/8045851-claude-lelouch-film-360-vr-ford-mustang/
October is National Seafood Month and a time to highlight the importance of fish and shellfish as part of a healthful diet. As with any food, safe handling of seafood is essential to reducing the risk of foodborne illness (often called food poisoning).
Learn more at:
http://www.fda.gov/Food/FoodborneIllnessContaminants/BuyStoreServeSafeFood/ucm077331.htm
Fresh and Frozen Seafood: Selecting and Serving it Safely
The U.S. Food and Drug Administration (FDA) reminds you to follow these basic safety tips for buying, storing, and preparing fish and shellfish.
To view the multimedia release go to:
http://www.multivu.com/players/English/7594351-fda-seafood-safety/
PetSafe® Brand, an industry leader in the development of innovative pet behavioral, containment and lifestyle product solutions, is encouraging dog owners to get outside with their pet this spring through its new outdoor campaign.
“Let’s Go Outside” promotes the importance of a fit lifestyle for pets, which is essential for maintaining good health and quality of life. Pet parents play a key role in making sure their dogs get regular physical activity.
To view the multimedia release go to:
http://www.multivu.com/players/English/7808351-petsafe-lets-go-outside-campaign/
nanobébé, a brand dedicated to revolutionizing the infant feeding industry, today announced the launch of its much-anticipated sleek and modern ecosystem of health-focused feeding essentials for today’s 21st century parents, poised to be hot baby registry items this year. Breastfeeding moms can rejoice in the company’s flagship Breastmilk Bottle, the first and only baby bottle designed specifically to preserve essential breast milk nutrients. From pumping, storing, warming to feeding, the award-winning nanobébé Breastmilk Bottle protects the breast milk and preserves its nutritional value.
“When moms warm breast milk in the traditional way, there is a good chance that they are unknowingly damaging the nutritional and immunity-boosting properties of the milk. Additionally, the milk is likely heated unevenly, causing hot spots, which can harm the baby,” said Rallie McAllister, MD, MPH, nanobébé SpokesDoctor, family physician and coauthor of The Mommy MD Guide to Your Baby’s First Year. “nanobébé’s bottles are biomedically engineered with a concave shape that spreads the breast milk into a thin layer and allows it to warm at safe temperatures, protecting nutrients from damage and preventing hot spots.” The nanobébé Breastmilk Bottle warms stored breast milk quickly, twice as fast as standard bottles.
To view the multimedia release go to:
https://www.multivu.com/players/English/8260351-nanobebe-infant-breastfeeding-line/
THUMBNAILS ARE CRITICAL!! This video describes the essential design elements of an effective thumbnail THAT WILL GET CLICKED.
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SEE International, a nonprofit dedicated to providing essential vision care worldwide, is proud to announce the release of a new short film. Entitled “A Mother’s Wish,” the 7-minute documentary tells the emotional story of Nacor, a 7-year old boy living in a tiny village in Peru. Born with cataracts in both eyes, Nacor was already legally blind. If he did not receive treatment soon, he might never see again.
Carmen, the boy’s mother, desperately wished for her sons to see again, but could not afford the vision care that they needed. Thankfully, Carmen heard that SEE would be holding a free clinic in the nearby city of Tarapoto, in July 2017. Thanks to the incredible hard work of the traveling and in-country volunteer surgeons, Nacor received the cataract surgeries that he badly needed. Now he can see normally, participate in school, and play with his friends. He has a bright future ahead of him.
To view the multimedia release go to:
https://www.multivu.com/players/English/8282751-see-international-documentary-a-mothers-wish/
Data released today by the Association of Global Automakers (Global Automakers) demonstrates that their members’ presence in the U.S. continues to grow.
“With $46 billion invested into U.S. operations, our members are an integral part of the U.S. automobile industry,” said Michael J. Stanton, president and CEO of Global Automakers. “They are providing jobs for Americans and an essential part of the country’s manufacturing base.”
To view the Multimedia News Release, go to http://www.multivu.com/mnr/62780-global-automakers-new-data-showcases-u-s-economic-impact
In celebration of Hispanic Heritage Month, the Milk Life Lo Que Nos Hace Fuertes campaign presents their newest milk advocate, Executive Chef/Owner, Adrianne Calvo, to encourage families everywhere to celebrate their heritage with milk. The milk life campaign is designed to educate Hispanics about the nutritional benefits of milk, and its 9 essential nutrients including 8 grams of high quality natural protein and no added sugar.
Hispanic Heritage Month is the perfect time for families to get together and celebrate their culture and heritage with good food, music and laughs. In honor of this festive time, Chef Adrianne has prepared a few step-by-step videos with some of her favorite recipes with milk which will slowly roll-out on www.FuertesconLeche.com. The recipes include some traditional breakfast foods with chorizo, while also incorporating a delicious solution for turkey leftovers this holiday season. Love sweets but want to lower your sugar intake? Her Double Vanilla Bean Ice Cream is sweetened with honey, which is 1.5 times sweeter than table sugar so you can add less. All the recipes include Calvo’s personal touch of deliciousness her restaurant-goers love so much. Calvo also shares her personal story of strength and some of her favorite family recipes.
To view the multimedia release go to:
http://www.multivu.com/players/English/7913051-milk-life-celebra-chef-adrianne-calvo/
