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 Support Plus Head Exciter, item # M284, is the WORLD’s FIRST PATENTED Support System. ThisPenis Extender Ringwill make his erection harder and last longer in bed. Don’t forget to check out that Coupon Code in the video for a 50% OFF offer with FREE Shipping and More…
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More Adam and Eve adult product reviews at http://www.sextoyshoppingshow.com.
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We, Chili’s® Grill & Bar, just made things a whole lot simpler for Guests participating in our loyalty program, My Chili’s Rewards. Have you noticed that loyalty programs have turned into crazy math equations? Like, let me calculate how many points I’ve earned. But, the rate of earning isn’t even clear. Then, let me solve to understand what the heck that means I get in return for keeping track of all of these points! Well, starting today, we’re breaking away from the norm and promise that you don’t need to solve equations to know what you’re getting as a My Chili’s Rewards Guest. It’s simple! My Chili’s Rewards Guests will get their choice of chips and salsa or a non-alcoholic beverage during every (yes, every) visit to Chili’s.
To view the multimedia release go to:
https://www.multivu.com/players/English/8246353-chilis-rewards-loyalty-program/
Global health service company Cigna has added three new programs to the free Coach by Cigna health and fitness app, featuring coaching tips from The Fit Bottomed Girls for The Anti-Diet, Loving Yourself and Top to Bottom fitness.
The Coach by Cigna app puts health and fitness programs in the palm of your hand, with instructional videos and support from health coaches to help you focus on improving in five integrated areas: nutrition, exercise, sleep, stress and weight management.
To view the multimedia release go to:
http://www.multivu.com/players/English/7448831-coach-by-cigna-fitness-app/
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.
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The best hybrids give you the best of both worlds: some zero-emission motoring, as well as greater range for longer journeys
Subscribe for more videos from Auto Trader every Friday: http://bit.ly/1AqiIny
Welcome! Auto Trader is the UK’s biggest, best and most trusted car buying website, and our YouTube channel will help make finding your dream vehicle easier than ever.
Every week, we’ll present the latest new car reviews, covering everything from supercars to family estates. Our motoring experts have more than 75 years of testing experience between them, and their jargon-free verdicts cover real-world practicality, recommended specifications and reveal the real cost of ownership. Every video review is even complimented by a full written report on AutoTrader.co.uk.
But don’t just take our word for it; every month, we’ll ask some of Britain’s most passionate petrolheads to share their owner reviews. Factor in tutorials, used car guides, plus bonus motorcycle and van reviews and we have all your motoring needs covered.
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The world’s first all-in-one music player Smart Hearable 1.0, developed by VINCI, will make its debut in the North American market at the 2016 Consumer Electronics Show (CES) held from January 6 to 9 in Las Vegas, United States.
The highlight of the design is the artificial intelligence technology applied to create ME 1.0, the first smart assistant that makes the AI talking system from the 2013 film “Her” real.
VINCI Smart Hearable is a wireless and hands-free smart music player that can react to user body and consciousness dynamics with different kinds of music. With a built-in proximity sensor, the device automatically plays the music when user puts it on. It has a touch panel that responds to gestures like tapping and sliding, and a voice interaction system that allows users to guide the device with simple commands.
ME is able to respond with a song that best suits the moment by analyzing data collected from user including heart rate, current location and scenarios through intelligent algorithms, so that user can not only tell ME songs, albums or singers they desire to enjoy the music, but also share their mood and feelings with it.
To view the multimedia release go to:
http://www.multivu.com/players/English/7730451-vinci-smart-hearable-ces/
With Memorial Day Weekend and the unofficial start of the summer driving season fast approaching, The Goodyear Tire & Rubber Company surprised unsuspecting motorists here today. NASCAR Sprint Cup Series Champion Kevin Harvick, along with his pit crew, appeared at Concord Mills Mall and performed free tread depth checks on consumers’ tires.
With National Tire Safety Week set for May 29 through June 4, Harvick and Goodyear collaborated to raise awareness on the importance of proper tire maintenance. As always, consumers can head to any of Goodyear’s Tire & Service Network locations to receive free tire checks.
To view the multimedia release go to:
http://www.multivu.com/players/English/7833451-goodyear-tire-check/
Spring is around the corner, and it won’t be long before it’s prom and graduation seasons for many high schoolers. Rites of passage for many, these are times for teens to celebrate, but can also be times of poor decision-making, especially when vehicles are involved. The National Highway Traffic Safety Administration (NHTSA) reports that 2,524 teen drivers and passengers were killed and 177,000 were injured in 2013. Twenty-seven percent of these fatalities occurred between April and June, according to the Insurance Institute for Highway Safety (IIHS).
“The statistics are staggering, especially when you consider that most of these accidents and fatalities are preventable,” said Randy Petro, Mercury Insurance’s chief claims officer. “We don’t want any families to suffer through the loss of a child, so Mercury is taking action with the launch of the ‘Mercury Insurance Drive Safe Challenge.’”
The Mercury Insurance Drive Safe Challenge kicked off with a free defensive driving program, which included hands-on driving skills training and classroom material. An interactive website provides teens with detailed instruction, as well as gives parents the tools to shape responsible driving behavior.
To view the multimedia release go to:
http://www.multivu.com/players/English/7772251-mercury-teen-drive-safe-challenge/
[ yellow tail ], the #1 imported wine brand in the U.S., launches the “12 Days of Giveaways” program with Ali Fedotowsky, former star of ABC’s The Bachelorette, to bring more fun into the hectic holiday season. By offering chances to win exciting prizes and free taxi rides in select cities on the busiest party night of the season, [ yellow tail ] is turning everyday occasions into something memorable.
To kick-off the program, [ yellow tail ] and Ali Fedotowsky rode the streets of New York City in a taxi, surprising people with the opportunity to participate in a holiday trivia quiz. One lucky winner was rewarded with a trip of a lifetime for two to Australia.
“I adore the holiday season, but I also know how tough it can get juggling travel, weather and end of year craziness. That’s why I was thrilled to be able to team up with [yellow tail] to add some fun and laughter to a cold New York day,” says Ali Fedotowsky.
To view the multimedia release go to:
http://www.multivu.com/players/English/7696751-yellow-tail-12-days-of-giveaways/
Consumers looking to save on a new car or truck should do their shopping in August, according to the analysts at TrueCar, Inc. the negotiation-free car buying and selling platform. New car and truck prices during the past five years in August have averaged $29,296 – $169 lower than any other month.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7286951-truecar-august-is-the-best-time-to-buy-a-car/
Castrofate
"Shattered Soul"
from the album 'Castrofate' out March 1, 2014
Cataclysmic Metal Records
facebook.com/CataclysmicMetalRecords
Video by JNP Productions
http://www.jnpproductions.com/
www.castrofate.com
Order Page: www.castrofatepictures.com New CD and New Hit The Lights/Castrofate Shirt Paypal buttons will be added soon
CASTROFATE's "Shattered Soul" is Track 4 off the band's 5th self-titled album 'Castrofate' which features 8 songs and will be available from the band for $5 on March 1, 2014. The album will be sent free to people who purchased the band's previous 2 albums 'iHuman' & 'Systematic Suicide', anyone who has purchased those was placed on a list to receive a free copy, and anyone who still buys them will still be placed on the list up until February 4. Pre-Orders will also begin soon. The album, as well as the video, are the first to feature a full 4-piece line-up.
'Castrofate' album line-up:
Danny Castro - vocals & guitar
Tom DeFazio - lead guitar
Dok Dwyer - bass
Dima Shnaydman - drums
Produced by Nick Killmeier & Danny Castro
Engineered by Nick Killmeier at Crossfire Productions
