The banana is transported by plane, eggs by refrigerated trucks and yogurt can be found in open fridges, so to speak – the bottom line: In order to maintain a certain standard in a supermarket you are forced to use a lot of energy. An increasing number of supermarket owners have recognized responsibility and have started saving energy. For example, the Swiss cooperative Coop has set itself the goal of having all of their supermarkets being carbon-neutral by the year 2023.
With such hectic schedules, even the most together families can get frazzled. What’s a busy family to do in order to keep their cool? Award winning health, nutrition and lifestyle expert Sharon Liao is here to help! She is available to provide helpful tips to help families stay organized and on top of their hectic schedules, especially when it comes to meal times. Sharon is ready to discuss everything from time management and juggling family time around hectic schedules, to tips on being efficient during meal times and how all families can stay on the right nutrition and fitness track.
A new survey says Americans’ confidence in their ability to afford a comfortable retirement remains at historically low levels in the face of job uncertainty and financial insecurity.
The 2012 annual Retirement Confidence Survey, released today by the nonpartisan Employee Benefit Research Institute (EBRI) in Washington, and co-sponsored by the Principal Financial Group, finds only 14 percent of Americans are very confident they will have enough money to live comfortably in retirement¹. Workers with the most debt have the least confidence.
To view Multimedia News Release, go to http://www.multivu.com/mnr/54549-principal-financial-group-retirement-confidence-survey-job-insecurity-ebri
Express Scripts clinical innovations saved its clients $45 billion in 2018 and delivered a 25-year record low drug trend of just 0.4 percent across employer-sponsored plans, according to data released today in its annual Drug Trend Report, an authoritative analysis of drug spending in the U.S.
Express Scripts’ solutions for driving lower drug prices and fostering the use of lower-net-cost treatments are making medication more accessible for beneficiaries. Unit drug costs decreased in 2018 for employer-sponsored and Medicare plans, while utilization of medications rose.
To view the multimedia release go to:
https://www.multivu.com/players/English/8478051-express-scripts-2018-drug-trend-report/
Reese Witherspoon, Avon Global Ambassador & Honorary Chairman of the Avon Foundation for Women, today launches the new Empowerment “Circle of Support” Necklace in recognition of International Women’s Day on March 8th. The necklace is the latest Avon fund-raising product that raises life-saving funds for the Avon Speak Out Against Domestic Violence program, which has donated nearly $40 million to end the epidemic of violence against women globally.
To view Multimedia News Release, go to http://www.multivu.com/mnr/52893-avon-empowerment-necklace-reese-witherspoon-international-women-s-day
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
WTF or WHAT THE FLUSH! The makers of the Stealth® ultra-high efficiency toilet and Bravo’s “Flipping Out” Star Jenni Pulos want to see more people saving both water and precious dollars when they flush.
On average, 27 percent of water consumption in the home comes from flushing it right down the toilet, which is completely avoidable – that’s not even mentioning the water lost by old or deteriorated flappers that leak. Niagara Conservation Corp. created the Stealth Toilet which uses less than one gallon of water per flush (0.8 gallons per flush to be exact) relative to the average toilet that uses 3.5 to 5 gallons per flush.
“As a California resident, I feel the gravity and importance of water conservation. That’s why I’m asking America to stop this invisible drain on our planet,” said Pulos. “With the Stealth Toilet we can do our part to save water and money with every flush. So join the cause for water conservation and say it with me – #WhatTheFlush!"
To view the multimedia release go to:
http://www.multivu.com/players/English/7789051-niagara-conservation-whattheflush/
FedEx and ORBIS International, a leading global organization dedicated to saving sight worldwide, today kicked off a North American Goodwill Tour in Los Angeles, California with the announcement of a new $5.375 million commitment in the form of cash and in-kind gifts from FedEx. In addition, FedEx will donate an MD-10-30 cargo aircraft to ORBIS to be the third-generation Flying Eye Hospital. The Flying Eye Hospital will also visit Burlington, VT, Dallas/Fort Worth, TX, Memphis, TN, and Toronto and Ottawa, Canada between August and November to raise public awareness of the need to eliminate avoidable blindness.
To view Multimedia News Relwase, go to http://multivu.prnewswire.com/mnr/orbis/45157/
Each day in the U.S. 91 people die from an opioid-related overdose, and the numbers are increasing. In observance of International Overdose Awareness Day on August 31, American Addiction Centers (AAC) and Recovery Brands are launching a nationwide awareness campaign on how to prevent deaths from opioid overdoses. The campaign features shareable online resources, including an animation video about how an overdose impacts a body, an infographic about how to administer overdose medication, and powerful videos of survivors sharing the life-saving lessons they learned during their darkest hours.
“This is a meaningful endeavor as we partner with our parent company, AAC, in order to present several life-saving resources for people impacted by addiction,” said Ruchi Dhami, director of market insights and development at Recovery Brands, a provider of digital addiction treatment resources. “Since such a large amount of individuals look for information online about addiction and treatment, we wanted to ensure comprehensive education surrounding opioid overdoses existed and is easily accessible for individuals and families impacted by addiction.”
To view the multimedia release go to:
https://www.multivu.com/players/English/8130951-american-addiction-centers-opioid-overdose/
On American roads ethanol is saving consumers money at the pump and improving overall engine performance. In 2011, the use of ethanol helped reduce the average price of gas by $1.09 saving American families $1,200 over the year. Additionally, as a high octane additive, ethanol helps car engines run cleaner and reduces engine knock and pinging.
LEARN MORE: http://www.mnbiofuels.org/
WHETHER YOU’RE TRAVELING FIVE MILES OR FIVE THOUSAND MILES THIS HOLIDAY SEASON, ARRIVING ON TIME, AVOIDING STRESS, AND SAVING MONEY COULD ALL BE AT YOUR FINGERTIPS WITH NOKIA OVI MAPS.
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