In this new video from EisnerAmper, one of the nation’s leading providers of employee retirement plan audits, partner Kriste DeAngelo presents a basic outline for how Benefit Plan Administrators should take extra care to avoid late filing of Employee Retirement Plan contributions, or remittances. View EisnerAmper’s newest video at http://www.multivu.com/players/English/7461932-eisneramperemployee-benefits/ DeAngelo, who is the lead engagement partner for over 50 retirement plan clients, says there are three steps all plan professionals should take at the outset
Determine the earliest date that your company can reasonably segregate participant deferrals from the general assets of the company and remit into the Plan, and document the company’s remittance process. 2. Follow what has been documented. 3. Check the remittance data throughout the year – this is crucial. According to DeAngelo, “Anything outside of the expected time frame could be considered a late remittance by the DOL and should be voluntarily corrected.” DeAngelo goes on to say that many benefit managers stumble on the perception that, according to the DOL, retirement plan remittances must be made “no later than the 15th business day of the following month.”
To view the multimedia release visit:
http://www.multivu.com/players/English/7461932-eisneramper-employee-benefits/
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
She’s smart, fashionable, tech savvy and incredibly adventurous, and she’s poised to bring the cruise industry into the 21st century. Royal Caribbean International’s newest cruise ship Quantum of the Seas arrived into her homeport of Cape Liberty Cruise Port in Bayonne, NJ today, bringing with her a wave of unprecedented first-at-sea features and amenities. Superfast wireless connectivity, the world’s first robotic bartenders, a skydiving simulator, bumper cars, futuristic entertainment, and partnerships with celebrated chefs Jamie Oliver, Michael Schwartz and Devin Alexander, are just a small sample of what the modern age of cruising looks like onboard Quantum of the Seas.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7081453-quantum-of-the-seas-future-of-cruising-royal-caribbean/
SunCulture Solar Inc. announces the launch of SolPad™, a new series of disruptive energy products designed to be the most advanced integrated-home or off-grid solar energy products in the world.
The SolPad’s integrated solar panel combines multiple patented technologies into a single beautiful device, including breakthrough battery storage, an innovative inverter system and intelligent software that engages and interacts with the user, giving them an unparalleled personal energy experience that gamifies energy distribution, delivery and usage.
SolPad is truly the world’s first fully integrated solar energy solution created for the modern smart home and sustainably minded global citizen.
To view the multimedia release go to:
http://www.multivu.com/players/English/7930451-sunculture-solar-solpad-energy/
PetSafe® brand is offering pet parents an affordable, effective way to allow their pets to play safely in their yard with its new Free to Roam Wireless Fence™ system.
Traditional above-ground fences cost thousands of dollars and may not be an option for people living in rental properties. The PetSafe Free to Roam Wireless Fence provides a convenient solution for a fraction of the cost of traditional fencing.
The PetSafe Free to Roam Wireless Fence covers a circular area of up to half an acre or 180 feet in diameter. The boundaries can be adjusted from 5-90 feet in all directions of the indoor transmitter. Since the system is completely wireless, there are no unsightly cables to bury – simply plug the transmitter into a standard outlet.
“Our new Free to Roam Wireless Fence system is made with pets and owners in mind,” said Marcus Wolf, category manager for PetSafe Containment and Avoidance products. “A wireless fence gives pet parents peace of mind to let their dogs safely enjoy their yard. It makes it easy and fun for pets and their parents to enjoy fresh air and exercise.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7827751-petsafe-free-to-roam-wireless-fence/
Solid Rock (Adventure)!
When a nation spirals into abyss, as a death star gravity of a black hole, whereby the conscience can’t discern good and evil, its numbness allows all wickedness to excel, and the church can’t rescue because it’s lifeless! And when perhaps even the mercy of God is blocked and can’t be extended. Who can you turn to? https://forhimforever.com/video-projects/solid-rock/
DEWALT, a leading manufacturer of industrial power tools, hand tools, and accessories, announces the expansion of its initiative to make products in the USA. With this expansion, an additional 60 corded and cordless power tools are being made domestically with global materials. An expansion of production into an existing company-owned plant in Greenfield, Indiana brings the total number of DEWALT plants in the United States to seven, with facilities in Connecticut, Maryland, Kentucky, North Carolina, South Carolina, and Tennessee, making some of the brand’s most popular tools.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7253254-dewalt-expands-made-in-usa-initiative/
November is National Family Caregivers Month and AARP is launching a national campaign to bring awareness to the important role that family caregivers play in the lives of their loved ones. AARP's Random Acts of Kindness for Caregivers contest will begin on October 15 with the goal of encouraging people to recognize and reward caregivers - many of whom spend 18 hours per week providing care like bathing, dressing, preparing meals, administering medications, driving to doctor visits or paying bills - in small but meaningful ways.
“Caregiving may be one of the greatest expressions of love and it's woven into the lives of one in six adults,” says AARP Family and Caregiving Expert Amy Goyer, author of the new book Juggling Life, Work and Caregiving. “A staggering 40 million family caregivers provide support for loved ones and, as a caregiver myself, I know that the smallest acts of kindness - like holding a door for someone pushing a wheelchair, surprising them with flowers, or even taking a caregiver's dog for a walk - can be memorable moments in the life of a caregiver.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7607231-aarp-caregivers/
Surely, there are a lot items designed for the various levels of pleasure, but Dr. Kat particularly enjoys the positive feedback from her clients who introduce the use of sex toys into their romantic play for the first time.
Adam and Eve is here to make that first time purchase nice and easy. Right now, www.AdamAndEve.com is offering a 50% OFF DISCOUNT on almost ANY single item plus FREE Discreet Shipping and a FREE Romance Kit. That’s a toy for him, a massager for her, and a little something that both of you will enjoy.
Just enter the Adam and Eve Offer Code HOME24 at the www.AdamAndEve.com checkout.
Now, here’s a review on a perfect beginner’s sex toy for couples, the 10-Function Remote Mini Egg. This wireless remote controlled mini egg vibrator has 10 different vibrating patterns that can be controlled by your partner by up to 40 feet away. Many have asked “What Are The Best Sex Toys For Couples?”, well, here’s one of the answers. Perfectly designed to tease your partner from afar and even play hide n seek in the bedroom. You can even wear this outside and get a little bit adventurous. For sure, this is going to spice things up during a boring dinner date.
http://adamandeveathomeshoppingshow.blogspot.com/2013/05/Best-Sex-Toys-For-Couples-Wireless-Remote-Control-Mini-Egg-Vibrator.html
Launched at the Basel Fair 2014, BOLT-68 shortly became the major collection of BOMBERG with its patented bayonet system that turns your exclusive timepiece into a masculine pocket watch.
Object of desire, the BOLT-68 collection will further produce unconventional and audacious designs for new products launched in 2015.
To view the Multimedia News Release: http://www.multivu.com/players/English/7499751-bolt-68-2015-novelties/
As America takes steps to improve our energy security, home-grown fuel sources are more important that ever. One of the fuel sources of the future is algae, small aquatic organisms that convert sunlight into energy and store it in the form of oil. Scientists and engineers at the Energy Department and its national laboratories are researching the best strains of algae and developing the most efficient farming practices. This edition of Energy 101 shows how oil is extracted from algae and refined into sustainable biofuels.
For more information on biofuels visit http://www.eere.energy.gov.
U-Haul, the industry leader in do-it-yourself moving and self-storage, has teamed with a beloved Motor City charity to help previously homeless families transition from shelters into clean, dignified and welcoming homes. Humble Design Fueled by U-Haul, as it is now termed, was born seven years ago out of the idea that decent families emerging from homelessness in Metro Detroit deserve to come home to basic necessities like tables to eat at, sofas to sit on and beds to sleep in each night. Co-founder Treger Strasberg’s organization has assisted more than 660 families so far. With the support of U-Haul, that number will swell exponentially while expanding this noble pursuit to additional cities.
“The expertise, resources, national reach and community commitment of U-Haul make it a tremendous partner for Humble Design to take our mission nationwide to alleviate homelessness,” Strasberg said. “Working together, U-Haul and Humble Design will engage communities to serve families in need by turning houses into homes across the country.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7907151-u-haul-humble-design-partners/
