http://www.osv.ltd.uk/skoda.php Skoda – a
model completely based on the Volkswagen Polo, enjoys its reputation
for comfort and quality. In fact, some will say it’s a VW Polo for a
little less on the price. It’s a supermini that gives you great value
for money and it’s fun to drive....See more
http://www.osv.ltd.uk/skoda.php
Drivers of vehicles that perform well in the Insurance Institute for Highway Safety's side-impact crash test are much less likely to die in a real-world left-side crash than drivers of vehicles that do poorly, a new analysis finds. The study includes only passenger vehicles with side airbags, demonstrating that airbags, while crucial, are far from the whole story in side crash protection.
After controlling for driver age and gender and vehicle type and weight, a driver of a vehicle rated good for driver protection in a side impact is 70 percent less likely to die in a left-side crash compared with a driver of a vehicle rated poor. A driver of a vehicle rated acceptable is 64 percent less likely to die, and a driver of a vehicle rated marginal is 49 percent less likely to die.
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Are you wanting a full body workout in less time? We have your solution|Don't have time for the gym? Start doing this top rated workout
Social media is changing the way people find jobs, but according to the latest Emerging Workforce® Study by SFN Group, most companies are out of step. In fact, less than one-fourth have a formal social media strategy in place, and of those, only one-third say they’ve had success.
To view Multimedia News Release, go to http://multivu.prnewswire.com/mnr/sfngroup/46057/
Scottish Widows - Pension Report. Ian Naismith, Head of Pensions Development at Scottish Widows talks us through the the current problem with pensions in 2010. Scottish Widows conducted a study where members of the public are asked how they are saving for the future and wether they are worried. The Scottish Widows report showed a worrying 41% of people are saving less whilst 21% save nothing.
SC Johnson released its 2013 annual public sustainability report today. The report shares the latest information on the company’s ongoing work to achieve its 2016 environmental goals by using more renewable energy, cutting greenhouse gas emissions, minimizing landfill waste and developing innovative products that use fewer resources and require less packaging. SC Johnson has reduced its global manufacturing waste by 62 percent and increased its use of renewable energy to 30 percent in pursuit of these goals*.
To view Multimedia News Release, go to http://www.multivu.com/mnr/63897-sc-johnson-2013-annual-public-sustainability-report-environmental-goals
When friends and families can't be together at Thanksgiving, celebrating may become a little less joyful. In fact, nearly half of Americans (45 percent) say they would skip certain family traditions if they had to spend Thanksgiving alone, while nearly one in five (19 percent) would skip the holiday entirely. So this Thanksgiving, SC Johnson is launching Happy Thanksgathering™, giving families who might not be together this holiday season the chance to gather, to give thanks and to celebrate.
Now through Wed, Nov. 25, consumers can visit www.HappyThanksgathering.com for daily chances to enter a sweepstakes to win a $1,000 “Help Me Get Home” Visa rewards card to put toward a trip home this holiday season. They also have the option to enter a second sweepstakes for the chance to win a $250 “Help Me Host” gift card to help pay for a holiday feast with loved ones.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7671331-sc-johnson-a-family-company/
Job seekers who want potential employers to “show them the money” may be in luck, a new Robert Half survey suggests. More than one-third (38 percent) of executives interviewed said they are more willing to negotiate salary with top candidates than they were one year ago. Just 5 percent of respondents said they are less willing to negotiate.
To view Multimedia News Release, go to http://www.multivu.com/mnr/53177-robert-half-survey-finds-executives-more-open-to-salary-negotiation
Raytheon Company (NYSE: RTN) unveiled its second generation Exoskeleton (XOS 2) at its research facility in Salt Lake City, Utah, during a demonstration with Paramount Home Entertainment. The new robotic suit is lighter, faster and stronger than its predecessor, yet it uses 50 percent less power. Its enhanced design also means that it is more resistant to the environment.
To view Multimedia NewsRelease, go to http://multivu.prnewswire.com/mnr/raytheon/46273/
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
According to the U.S. Census Bureau, more than 34.6 million adults ages 18 and above do not have a high school diploma. In an effort to combat this critical issue, the Ad Council and the Dollar General Literacy Foundation joined today to launch new public service advertisements (PSAs) on behalf of their national GED Achievement campaign. This multimedia campaign is designed to provide high school dropouts the encouragement and information needed to begin the road to a GED diploma.
Recent data shows that students who drop out of high school tend to earn less and have a lower quality of life. Many of them must work multiple jobs just to support their family. Moreover, as of 2009, nearly 30% of adults with household incomes at or below the federal poverty line did not have a high school credential.
To view Multimedia News Release, go to http://www.multivu.com/mnr/55571-ad-council-dollar-general-literacy-foundation-your-ged-pep-talks-psa
The Federal Alliance for Safe Homes (FLASH)® encourages families in the Northwest to understand their unique winter flood risk and prepare now to protect property and possessions from flood damage.
Floods are a year-round hazard, and the risks do not end when cold weather begins. Heavy seasonal rains and snowmelt often lead to flooding during the winter months. Even areas that receive less snow and rain this winter season might experience drought-like conditions that ultimately can lead to flash flooding when it does rain.
To view Multimedia News Release, go to http://www.multivu.com/mnr/59559-federal-alliance-for-safe-homes-flash-winter-weather-flood-risk
