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
Change within the PR industry continued to accelerate in 2014 as more brands recognized their own power as publishers. In response to the growing demand for compelling content, PR Newswire’s clients rose to the challenge through narrative storytelling, use of rich visuals and an intelligent mix of distribution channels to amplify their messages.
On average, over 1,000 stories cross the wires in North America each day. With time remaining in 2014, PR Newswire’s editorial teams have already made over 40,000 editorial catches year to date - providing an additional layer of editorial review for your news. Helping clients achieve their strategic communications goals is the most rewarding and fulfilling aspect of what we do at PR Newswire, and our holiday video showcases some of our staff’s 2014 highlights.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7393051-happy-holidays-from-pr-newswire-2014/
Zoës Kitchen (NYSE: ZOES), a fast casual Mediterranean-inspired restaurant group, today introduced several unique ingredients to their menu, bringing the flavors and benefits of Mediterranean eating to guests via four new menu offerings.
Innovating within the restaurant space, Zoës Kitchen is the first restaurant group to introduce the lupini bean to the United States, adding this protein-packed, mild-flavored legume to their menu across 170 restaurants in 17 states. Farro will also be incorporated in the menu, an ancient, savory, fiber-rich grain that is commonly used in place of pasta and rice in the Mediterranean. Calabrian peppers, from Calabria, Italy, will add a slightly sweet and mildly spicy flavor to several dishes. Light and crispy piadina flatbread will offer guests an alternative to traditional breads used for sandwiches in the US.
To view the multimedia release go to:
http://www.multivu.com/players/English/7753651-zoes-kitchen-new-mediterranean-dishes/
Cardinal Health, which provides medical products and services to many of America’s most prestigious medical institutions, today announced the launch of the Hospital Quality at Home™ brand, a new line of hospital-quality products available over the counter to help loved ones and caregivers transition care from the hospital to home. The product line provides a full assortment of hospital-quality products for consumers categorized as Advanced Wound Care, First Aid, Personal Care, and Home Healthcare which help provide comfort and independence, while helping to promote healing.
When leaving the hospital after childbirth, injury or surgery, the care you provide for yourself or a loved one is important. Each year, hospitals discharge 35.1 million patients1 with 65 percent of those discharged to the home setting for care.2 Effective post-hospital care is critical to avoid re-admission as one in five patients are readmitted within 30 days of discharge.2 With rising health care costs3 the Hospital Quality at Home™ line of products can provide patients, loved ones, and caregivers effective and cost-efficient ways to manage care at home.
To view the multimedia release go to:
http://www.multivu.com/players/English/7622451-cardinal-health-hospital-quality-at-home/
Have you dreamed of a skincare product promising youth-preserving results only to be let down time and time again? Now you can make that dream a reality, as USANA launches its high-performance skincare system, Celavive®. This unique line is fueled by USANA InCelligence Technology®, a combination of powerful peptides, botanicals and key nutrients that talk to your skin’s cells to target your unique beauty needs.
As we age, our cellular function slows and becomes less effective, resulting in wrinkles and loss of firmness. By tapping into USANA InCelligence Technology, Celavive is able to signal your beauty-preserving functions to support your natural ability to retain moisture from within. It also supports other key elements that help contribute to a younger-looking complexion.
To view the multimedia release go to:
https://www.multivu.com/players/English/7736552-usana-celavive-skincare-line/
Today at the 10th Annual Meeting of the Clinton Global Initiative (CGI) in New York City, the Ad Council in partnership with Year Up, the Employment Pathways Project, ConPRmetidos, MENTOR: The National Mentoring Partnership, New Options Project, and Opportunity Nation launched the national “Grads of Life” campaign to help businesses fill more than 4 million vacant positions within the United States with qualified workers. The launch took place during CGI’s inaugural in-person meeting of the new Youth Employment Action Network attended by both business and non-profit leaders.
Secretary Hillary Clinton shared a message in support of the launch: “As we continue the work of Job One at The Clinton Foundation, we need to continue to build partnerships and to recruit more businesses to solve this important economic challenge. The Grads of Life PSA campaign is the first effort to drive employer demand for the millions of low-income young adults that are a huge source of untapped talent in our country and through GradsofLife.org employers can now access the first-ever online platform for the information, tools, and resources they need to take action today. I am asking employers, educators, non-profits, community leaders to join me and the Grads of Life campaign in this bold agenda to grow our economy and to create new opportunities for tomorrow’s leaders.”
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7328451-new-grads-of-life-campaign-launched-to-bridge-the-gap-between-employers-and-opportunity-youth/
For the tenth consecutive year, The Capital Grille today launched its highly anticipated wine event, The Generous Pour. This year, guests are invited to taste and toast the legacy of renowned winemaker Dan Duckhorn. With wines hand selected to pair with the restaurant’s signature menu items, including hand-cut steaks, dry aged in-house, the tasting experience offers seven selections of classic California and Washington varietals, all created by Dan Duckhorn and his award-winning winemakers. Of the selections is the Goldeneye Rosé of Pinot Noir making its exclusive debut at this year’s event. The Generous Pour is available for $28 from July 9 through September 2, 2018, when paired with dinner.
“Dan Duckhorn’s continuous pursuit to produce world class wines within the Napa Valley and beyond has become a legendary story in the wine world,” said Brian Phillips, The Capital Grille’s Advanced Sommelier. “We are excited to feature some of the most highly coveted wines of the world this summer, creating an exceptional tasting experience when paired with our signature menu items. With light and fresh rosé preferred during the summer, I am particularly excited about the Goldeneye Rosé of Pinot Noir, as this summer it makes its exclusive debut at The Generous Pour.”
To view the multimedia release go to:
https://www.multivu.com/players/English/8340151-capital-grille-the-generous-pour-event-with-duckhorn-wines/
2017 Renault Zoe
Renault has introduced a new Z.E. 40 battery for ZOE. At the same, ZOE owners can benefit from a range of new connected services and equipment upgrades. Order books for the new ZOE line-up are open. The new ZOEs fitted with the new Z.E. 40 battery are made at Renault's Flins plant in France and will be available for delivery before the end of 2016.
Double the range for even longer journeys
As the pioneer of all-electric mobility and Europe's number one seller of electric vehicles, Renault has stepped up its innovation programme and the deployment of its Zero Emissions strategy.
Fitted with the new Z.E. 40 battery, the Renault ZOE now delivers a record NEDC driving range of 400km, which is twice the distance delivered by the model at the time of its original launch.
The new Z.E. 40 battery has a real-world range of 300 kilometres in urban or suburban areas, for example.
The range permitted today by the ZOE is the longest of any mainstream all-electric vehicle and motorists can take advantage of this step forward now.
The ZOE is the best-selling electric vehicle in Europe and provides a real alternative to internal combustion-engine cars, since average daily commuting distances are well within the ZOE's capabilities.
The new battery removes the final psychological barrier that stands in the way of buying an electric car since ZOE users can now travel further and enjoy a wider variety of driving situations without worry about charging. This makes weekend trips a real possibility.
The Z.E. 40 battery's charging rate is similar to that of the standard battery, so 'topping up' doesn't take long at all. For example, just 30 minutes are required on average to charge the battery for an extra 80 kilometres of driving range when plugged into one of the many public charging points in operation in Europe. The ZOE continues to be equipped with the Quick Charge function to take full advantage of the maximum capacity of fast charging points located predominantly along motorway corridors.
An innovation that doubles battery capacity with no increase in size
The ZOE's new Z.E. 40 battery boasts 41kWh of useful energy, equivalent to almost double the storage capacity of the ZOE's standard battery (22kWh of useful energy).
Developed in close partnership with LG Chem, the battery uses high-energy density lithium-ion technology.
Renault and LG engineers have succeeded in increasing storage capacity without making the battery any bigger or a lot heavier. It was optimised by working on the chemistry of the cells in order to increase their energy density, rather than stacking additional battery modules, a commonly used technique.
This major new technology has been developed while ensuring the battery's reliability or safety.
The battery's large storage capacity ensures longer range for the ZOE thanks to the meticulous work that went into integrating the battery in the vehicle. The electronic management system of the battery optimises the ZOE's energy use on the move, while the new air circulation system maintains the temperature of the ZOE's battery at a constant level, making the car economical to run in very hot or very cold weather.
www.Pyranosis.com - Recently-discovered information from the Sumerian records by Dr. Scott McQuate exposes secrets that have been hidden for thousands of years within the Cuneiform and even the Bible. This never-before-seen research reveals forbidden knowledge that connects human genetics with Israel, Eden and the Great Pyramid of Egypt. It is some of the most fascinating information you will ever see and challenges all previous religious dogma and scientific curriculum. Go now and discover what the world has never known. www.Pyranosis.com - Also be sure to watch his lecture at http://youtu.be/GEe7jIkn0Js
In order to succeed in today’s B2B sales world, salespeople must create buyer consensus among diverse customer stakeholders. Those who fail to do that risk falling victim to the status-quo – the minimal-risk, lowest-cost option – or worse, losing the deal altogether. The Challenger Customer: Selling to the Hidden Influencer Who Can Multiply Your Results from CEB (NYSE: CEB), a best practice insight and technology company, reveals that it isn’t just about how you engage, but who you engage within the customer organization that drives complex sales today.
“The ‘senior decision-maker’ no longer exists in B2B sales. That makes the most significant problem facing marketing and sales teams a buying problem, not a selling problem. Organizations need to shift their focus from making the sale to understanding buyer groups – and who among them really shapes decisions,” said co-author Brent Adamson, executive advisor at CEB. “Our research shows that the one thing that matters most to executives is whether or not a supplier has buy-in with the rest of the organization – NOT the supplier’s actual offering or solution.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7427252-ceb-the-challenger-customer/
This spring, Ann Taylor goes behind-the-scenes with Kate Hudson on a Hollywood movie set to capture her where she works. As a working mother, Kate is in her element in the director's chair, setting up the shots, with her two leading men (sons Ryder and Bing), going over her lines and in wardrobe. It's the life within the life, and we're celebrating every moment of it.
To view Multimedia News Release, go to http://www.multivu.com/mnr/62863-ann-taylor-spring-2014-kate-hudson
The annual East-West debates of the Eurasian Media Forum (EAMF) closed here with an announcement that the next meeting will take place within the context of Kazakhstan’s world exhibition, Astana EXPO-2017, on June 22-23 next year.
The Forum will be held at one of the platforms of the exhibition in the capital of Kazakhstan, The Chairperson of the Forum’s Organizing Committee, Dariga Nazarbayeva, announced at the end of the Forum.
This year’s Forum, the 13th in a series, brought together more than 550 delegates for three days, from April 20-22, in the heart of Central Asia to discuss the most pressing current issues.
Summing up at the final session, Dr Nazarbayeva said all the harsh developments taking place in the world today were caused not by a conflict of civilizations, but by the process of adaptation of different civilizations, getting used to each other.
To view the multimedia release go to:
http://www.multivu.com/players/uk/7832951-eurasia-media-forum-astana-expo-2017/
