Overweight high-school senior Maggie Baker always felt sorry for herself for not being as skinny, pretty or wealthy as the popular girls at school. When Maggies name ends up on the list of nominees for homecoming court as a prank by her classmates, Maggie chooses to stay on the ballot in order to represent all the outcasts at school. As word of her courageousness spreads, Maggie becomes a local celebrity and a symbol for all those who were bullied in high school. But when Maggies newfound fame goes to her head she is forced to take a long, hard look at herself and reevaluate which battles are worth fighting.
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 latest World Gold Council Gold Demand Trends report, which covers the period July-September 2013, highlights the resilience of the global gold market in what is traditionally a slower quarter for gold demand. The continued growth in consumer demand across the globe and the strength of Asian gold demand overall, reinforces the patterns first seen at the beginning of 2013, clear evidence of the self-balancing nature of the global market.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/60364-world-gold-council-gold-journey-west-east-markets-balance-invest-outflows
The latest World Gold Council Gold Demand Trends report, which covers the period April-June 2013, highlights how recent falls in the gold price have generated significant increases in demand, most notably from consumers in China and India – by far the biggest markets for gold – compared with the same time last year.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/60363-world-gold-council-gold-demand-trends-report-q2-2013
The latest World Gold Council Gold Demand Trends report, which reports on the period January-March 2013, shows a market driven by diverse global demand, and an appetite for owning gold jewellery that continues to grow.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60362-world-gold-council-gold-demand-trends-report-q1-2013
VolAero Drones is working with famed outdoorsman Bill Booth to demonstrate that drones equipped with the latest thermal imaging equipment can effectively spot and track pythons at night – the prime hunting time. Over 100,000 Burmese pythons infesting the Florida Everglades have decimated 90 percent of small wildlife while surviving all attempts at eradication.
“Python hunters finally have a tool to make hunting more efficient, bringing down the python numbers that are devastating Florida’s Everglades,” said Booth. “This drone and thermal technology is light-years ahead of shining a flashlight into the darkness and hoping for the best. The thermal imagery picked up not just the monster pythons, but also native snakes as small as 18 inches. This suggests that we’ll be able to spot and eliminate clusters of python hatchlings, which will help curb their reproductive cycle.”
To view the multimedia release go to:
https://www.multivu.com/players/English/8225051-volaero-drones-thermal-technology-python-invasion-everglades/
From a child development expert whose pet-centric curriculum is helping rehabilitate troubled adolescents to the founder of New York City’s first cat café, Purina’s third Better With Pets Summit showcased how the relationship between pets and people enhances overall emotional wellness.
The day-long summit, which was hosted by Emmy-nominated comedian and writer, Josh Gondelman, took place at the Brooklyn Expo Center in New York City on Nov. 3 and featured three panel discussions that examined the emotional relationship between pets and people, including the reciprocal effects both have on one another. Keynote speeches were presented by Purina senior research nutritionist Arleigh Reynolds, who has researched the dog and human bond for many years in Alaska and supports of The Frank Attla Youth Program; and author and reality television personality Carole Radziwill, who shared how pet ownership has shaped her life experiences.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7655851-purina-better-with-pets-summit/
A sunroom window box, a birdie blind, a “catio” and a hanging indoor garden … these are only a few of the innovative designs cat owners from across the country entered in the Purina® Tidy Cats® Pet Projects Design Challenge. The national contest invited cat owners to showcase the innovative, creative and unique ways in which they are incorporating feline design into their homes to enhance their lives and living environments with their cats.
To view Multimedia News Release, go to http://www.multivu.com/mnr/52327-purina-tidy-cats-candice-olson-celebrate-most-creative-cat-owners
Why is life better when shared with a pet? Purina invites pet lovers to find out through a new exhibit, titled “Better with Pets” – Discover Life with Dogs and Cats, now open at the Purina Farms Visitor Center (PurinaFarms.com) in Gray Summit, Missouri.
A family-friendly attraction designed specifically for pet lovers, Purina Farms brings pets and people closer together for life-enriching experiences. The “Better with Pets” exhibit, which covers a myriad of pet-related topics from nutrition and innovation to well-being and companionship, brings this mission to life and allows guests to discover more about their favorite companions, while highlighting the many benefits to having a pet.
To view the multimedia release go to:
http://www.multivu.com/players/English/7876151-purina-farms-better-with-pets-exhibit/
The bond between pets and their owners is unbreakable, but the lack of pet-friendly housing options for domestic violence victims often leaves them with a heartbreaking decision – endure abuse in order to stay with their beloved pet, or leave their pet behind. It is a decision that no pet owner should have to make, which is why RedRover and Purina are joining forces to introduce the Purple Leash Project. This project will empower more domestic violence shelters across the United States to become pet-friendly, so domestic abuse victims can escape with their pets and begin to heal together as survivors.
To view the multimedia release go to:
https://www.multivu.com/players/English/8495251-purina-purple-leash-project-redrover-domestic-violence-shelter-pets/
