An app for hiding your private notes and photos on your phone! There are some things that you just want to keep private. While there are plenty of apps that let you store information on your phone, very few of them take their own steps to ensure the privacy of your information. Once a person gets past your lock screen, your life is wide open, including the private things you’ve saved for yourself.
With this app, you can access your private notes and photos by drawing your secret signature on the screen. No password prompts or buttons that would give away the existence of your secret area. Even your most private information remains safely locked away from prying eyes. You can store passwords, banking information, ID numbers, intimate photos and more. Only you can access the hidden content by drawing your signature shape anywhere on the screen. Once unlocked, your notes are readily available to you. Anyone that doesn’t know your signature will simply see a list of “dummy” public notes with zero indication that a password is even required. There is no password prompt. Only you know that a special signature is needed.
https://itunes.apple.com/us/app/signature-secret-notes-photos/id395626848?mt=8
https://itunes.apple.com/us/app/signature-secret-notes-photos/id387069294?mt=8
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
Kona Kai, the polynesian paradise situated on the Chelsea and Fulham border is the perfect space for any celebration.
Kona Kai offers an extensive drinks list, with its signature 'Zombie' cocktail being a firm favourite in the hearts of the locals.
Kona Kai's decor transports you from the hustle and bustle of London to the tropical shores of the South Seas.
http://www.konakai.co.uk
Just in time for Earth Day, eco-friendly drivers in the market for a new car can see which models the experts recommend in the list of 10 Best Green Cars of 2013 by the editors of Kelley Blue Book www.kbb.com, the leading provider of new and used car information.
In recent years, Green Cars really have gone mainstream. Several of the best-selling cars in the country are now being offered in hybrid, diesel or even pure electric form, giving buyers the ability to drive the car they want with the powertrain they prefer.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60816-kelley-blue-book-kbb-com-names-10-best-green-cars-of-2013
Families in the market for a new car can see which models the experts recommend most in the list of 10 Best Family Cars of 2013 by the editors of Kelley Blue Book www.kbb.com, the leading provider of new and used car information. All families are not created alike, so it stands to reason that all family cars shouldn’t be alike either. Each year the KBB.com editors decide the 10 Best Family Cars, which cater to unique family specifications and situations.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60821-kelley-blue-book-kbb-com-names-10-best-family-cars-of-2013
Two of HGTV’s top experts, Jonathan Scott and Drew Scott, stars of the Property Brothers, are in an all-out battle to win HGTV’s newest competition series, Brother vs. Brother. The six-episode series, premiering on Sunday, July 21, at 10 p.m. ET/PT, pits Jonathan’s skills as a licensed contractor against Drew’s experience as a real estate agent as they and their teams vie to execute the smartest home renovation upgrades and score the biggest property-value increase. Each week the results of the completed home renovation is evaluated by the discerning eyes of HGTV real estate stars, including Mike Aubrey (Power Broker), Kennon Earl (Selling LA) and Hilary Farr and David Visentin (Love It or List It). While the 6’4” identical twins brothers go head-to-head to win championship bragging rights, the competing teams stop at nothing to take home the $50,000 grand prize
To view the Multimedia News Release, go to http://www.multivu.com/players/English/60774-hgtv-new-home-renovation-competition-show-brother-vs-brother
The Top 10 Bad Business Handshakes: http://www.business.gov.au/handshakes. A
good handshake is a must-have for anyone involved in business.
business.gov.au has assembled a list of 10 bad business handshakes, so
you can make sure you\'re making the right impression. Don\'t
let your business get off to a shaky start! Watch The Top 10 Bad
Business Handshakes to find out how business.gov.au can give your
business a helping hand. For more assistance with planning, starting
and growing a business, head to http://www.business.gov.au/handshakes If
you\'re a business advisor, journalist, blogger, publisher or anyone who
would like to spread the word about the Top 10 Bad Business Handshakes,
visit our campaign resources page for article content, images and
instructions on how to embed the videos on your website:
http://www.business.gov.au/campaign-resources/Business-handshakes-resource-kit/Pages/default.aspx
Shoppers in the market for a cool, affordable new car can see which models the experts recommend most in the list of 10 Coolest New Cars Under $18,000 of 2013 from Kelley Blue Book www.kbb.com, the leading provider of new and used car information. Each year, the KBB.com editors collectively pool their wisdom and expert opinions as they choose the 10 coolest affordable new cars, and this year the 2013 Hyundai Veloster ranks No. 1 on the list.
To view Multimedia News Release, go to http://www.multivu.com/mnr/61640-kelley-blue-book-kbb-com-coolest-new-cars-under-18k-2013
Flooding is the nation’s costliest and deadliest natural disaster with hurricane flooding topping the list. On October 29, 2012, Superstorm Sandy caused 72 U.S. deaths and $60 billion in damage, including more than $6.7 billion in flood insurance claims. As the most active part of hurricane season begins and the threat of flooding increases, the National Hurricane Center and Federal Alliance for Safe Homes (FLASH)® offer these five steps to take before floods strike.
To view Multimedia News Release, go to http://www.multivu.com/mnr/62832-national-hurricane-center-and-flash-flood-preparedness-hurricane-season
The list of things depends on the destination chosen for spring break 2014 and also the number of days one plans to go for vacation trip. Some common things to be taken can easily be shared if the group is a big one. Personal things however need to be taken care of individually.
Over the last decade the world has experienced a fitness boom. Where personal trainers were once an A-list exclusive, they are now in great demand by the new breed of fitness fanatics.
Reaping the benefits of a personal trainer may be a great way to boost your self-confidence and change the way you look; but what about the way it feels becoming a personal trainer?
To view Multimedia News Release, go to http://www.multivu.com/mnr/62429-the-training-room-become-a-trainer-of-the-future
As part of its mission to help cat owners solve tough litter box odors, Tidy Cats® recently gave one cat owner a once-in-a-lifetime experience: a Littervention. Devoted cat owner Ricci Rivera, together with his cat named Bella of San Tan Valley, AZ, were named the Grand Prize Winner among hundreds of entries to the Tidy Cats® with Glade™ Tough Odor Solutions Littervention Contest. In his entry, Rivera attributed his need for a Littervention due to his home’s open floor plan, which can carry overwhelming litter box odors throughout the house. As the Grand Prize Winner, Rivera received a visit from the Tidy Cats® “Scentsational Littervention” Crew, including cat-loving home and design expert and current co-host of Love it or List it, Too Jillian Harris, who showed him how to neutralize even the toughest litter box odors and how to keep a clean litter box area and welcoming home.
To view Multimedia News Release, go to http://www.multivu.com/mnr/62803-tidy-cats-jillian-harris-give-one-owner-littervention-of-lifetime
