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
For the first time a YSL skincare product joins the collection at a science museum. Glycobiology, the science of glycans applied to the skin and cosmetics pioneered by YSL Beauté with FOREVER YOUTH LIBERATOR SERUM, is now part of the Berlin Museum‘s newly inaugurated permanent exhibition dedicated to the central role played by glycans in the realm of life.
After being closed for renovations for three years, the Berlin-based Sugar Museum has reopened as part of the Deutsches Technikmuseum with an expanded exhibition about sugars: “Sugars and Beyond! Food – Matter – Energy”, from November 26, 2015. In addition to the traditional focus of the former Sugar Museum, which concentrated on the production, use and social history of cane and beet sugars, the newly opened exhibition sheds light on the topic of sugar from entirely new perspectives.
To view the multimedia release go to:
http://www.multivu.com/players/uk/7709551-ysl-beaute-forever-youth-liberator-serum/
A Princess of Roumania fantasy, with an extraordinary, intense, compressed SF novel in three parts, each set in its own alternate-history universe. The sections are all rooted in Virginia and the Battle of the Crater, and are also grounded in the real history of the Park family, from differing points of view.
The first section is set in the aftermath of the Civil War, in a world in which the Queen of the North has negotiated a two-nation settlement. The second, taking place in northwestern Massachusetts, investigates a secret project during World War II, in a time somewhat like the present. The third is set in the near-future United States, with aliens from history.
The cumulative effect is awesome. There hasn’t been a three part novel this ambitious in science fiction since Gene Wolfe’s classic The Fifth Head of Cerberus. Find out more at http://us.macmillan.com/allthosevanishedengines/PaulPark Fantasy/Scifi
Cancer is the leading cause of death by disease in children from ages 1 to 19 in the U.S. Yet, childhood cancer research and services are vastly and consistently underfunded. This weekend, Northwestern Mutual financial professionals and employees will support the fight against childhood cancer through its nonprofit partner, Alex’s Lemonade Stand Foundation (ALSF), by holding nearly 200 lemonade stands as part of the Foundation’s national fundraising initiative, Alex’s Lemonade Days (June 12-14).
Founded by Alex Scott (1996-2004) in 2004, Alex’s Lemonade Days is a three-day national event that grew out of Alex’s front yard lemonade stand. During Alex’s Lemonade Days, dedicated volunteers host thousands of Alex’s Lemonade Stands across the country, raising more than $1 million for childhood cancer research. June 2015 will mark the 12th Annual Lemonade Days, and will continue Alex’s mission to raise money one cup of lemonade at a time, renewing her idea that any contributor, at any age, can make a difference.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7422153-northwestern-mutual-lemonade-days/
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/
UGG Australia is excited to launch its first-ever global brand marketing campaign titled “THIS IS UGG.” for the fall 2014 season. The campaign explores the theme that life’s biggest moments are actually the small ones – a place where the brand lives in consumers' lives. Whether personal or intimate, reflective or celebratory, it's often the smaller moments where life's most important interactions and connections occur. As a part of the initiative, UGG for Men will launch a series of three spots throughout the season featuring brand ambassador Tom Brady, with the first spot “Time Out,” launching on September 2, 2014.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7310251-tom-brady-featured-in-ugg-for-men-fall-2014-campaign-this-is-ugg/
Back for the 10th Edition is the world's premier freeride mountain bike event, Red Bull Rampage - the contest that puts the “mountain” back in mountain biking. All disciplines of riders including downhill, slopestyle and freeride mountain bike athletes converge on the demanding terrain of Virgin, Utah to compete for glory and bragging rights in one of the biggest tests of skill and guts in the world. The event will be broadcast live and on demand beginning October 16th at 12:30pm ET/9:30am PT exclusively on Red Bull TV as part of the Red Bull Signature Series, a collection of the most innovative and progressive events in action sports.
The stage is now set as the best riders from around the globe have arrived in the desert outside Zion National Park to begin practicing their runs. The only things that will separate a rider in the start gate from standing atop the podium 2,000 vertical feet below are the narrow, exposed ridgelines, 70-foot jumps over rocky canyons, and the near vertical drops. But for those who step-up to the challenge of man versus mountain, only one will be crowned king of the hill. Who will it be? Defending champion Andreu Lacondeguy from Spain? Can two-time winner Kyle Strait make it an unprecedented third? Or will regular contender for the Best Trick award, Cameron Zink, see his name listed at the top of the leader board? Watch Saturday to find out!
To view the multimedia release go to:
http://www.multivu.com/players/English/7627331-red-bull-signature-series/
After a highly successful inaugural event in 2014, Red Bull Straight Rhythm will return for a second consecutive year at Fairplex at Pomona, CA. An evolution of the sport of supercross, the event features head-to-head racing on an “unwound” track, where there are no turns, just a 1/2 mile-long straight track complete with 75 jumps and a 400-foot long whoops section, likely having riders spend more time airborne than on the ground. The event will be broadcast live and on demand beginning October 10th at 12:30pm PT on Red Bull TV as part of the Red Bull Signature Series, a collection of the most innovative and progressive events in action sports.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7627331-red-bull-signature-series/
It’s always preferred to talk about sex before you get into the heat of the moment. But usually, it never happens that way because it’s kind of risqué to bring it up especially on the first date. For sure, it’s going to scare your date away. Definitely, you can’t be too articulate about it but just keep it under wraps. It’s like you can’t be too obvious about it. Think it this way, what if your date catches you bringing condoms; most probably it’s going to be a complete turn off. But it’s highly recommended to discreetly prepare one just in case of emergency. Primarily, in practicing safe sex, men are much more obligated to bring condoms with them. However, it’s also strongly suggested for women to bring their own condoms during their first time date. Just pull it up in the event that the guy forgets to bring one. Just make sure you know when to show it and don’t show too much concession especially at the initial part. Otherwise, the guy may think that you’re a slut. It’s like a double standard though.
This is my 2nd song for 2017 .... I have a best friend who I go cruising with every weekend and we listen to each others music "What we've accomplished in 1 week" and he believes that this is my best song to date. I guess that I'll find out soon enough what the good people of Youtube think. With my luck, there will surely be some who will think that this is a video about flowers and they'll tell me to next time, include chrysanthemums.
Lyrics
Yo Jenny, know Jenny everywhere you go Jenny, I love you just as everybody do.
Yo Jenny, know Jenny everywhere you go Jenny, I see you as I shout "Peekaboo."
Jenny Jenny lives in the poorest part of town. She has no bike or no way to get around
but when she walk's the streets of the town to buy her bread. lords and kings politely bow their heads to
Jenny Jenny, there's so many fellas after you. Jenny, I'm just one of many boys in love with you.
I confess, I'm so in love with "Little yodel lady who? Little Yodel Lady you.
Little yodel lady, little yodel lady, Little Yodel Lady Hoo.
Yo Jenny, know Jenny everywhere you go Jenny, I love you just as everybody do.
Yo Jenny, know Jenny everywhere you go Jenny, I see you as I shout "Peekaboo."
Jenny Jenny sits on a bench in the square, feeding doves and pigeons everywhere
but when she takes her bread and lays it to the ground, all the doves and pigeons gather round to
Jenny Jenny, there's so many fellas after you. Jenny, I don't think there's anything that I can do.
cuz I'm a mess and so obsessed with "Little yodel lady who? Little Yodel Lady you.
Little yodel lady, little yodel lady, Little Yodel Lady Hoo.
Yo Jenny, know Jenny everywhere you go Jenny, I love you just as everybody do.
Yo Jenny, know Jenny everywhere you go Jenny, I see you as I shout "Peekaboo."
Yo Jenny, know Jenny everywhere you go Jenny, I love you just as everybody do.
Yo Jenny, know Jenny everywhere you go Jenny, I see you as I shout "Peekaboo."
As part of a yearlong 75th anniversary celebration, Crowe CEO Jim Powers challenged personnel to volunteer 75,000 hours in their communities, more than double the number of volunteer hours from the previous year.
“Not only did our people meet the 75,000-hour challenge, they crushed it,” said Powers. “By the end of the challenge, we volunteered 82,000 hours, the equivalent of providing 39 full-time people at the nonprofits we served.” Two-thirds of personnel volunteered during the year, well above the industry norm of 31 percent. Using data from Independent Sector, the volunteer hours translate to an economic impact of more than $2 million for the nonprofits.
To view the multimedia release go to:
https://www.multivu.com/players/English/8368851-crowe-personnel-volunteer-75000-hours/
