Truth or Deception? urges believers to examine the Scriptures for themselves in order to be equipped to discern between the truth and the lies. The church that believes and lives in Christ can only experience victory in today’s hostile environment if it is founded upon the truth of God’s Word. Find out more at http://www.enlighteningsalt.com and http://www.CertaPublishing.com/TruthOrDeception Non-Fiction, Christian
For today’s busy families, the daily to-do list can seem never ending. With limited time and picky eaters, planning a tasty dinner that the whole family will love can seem like a tall order. Dinnertime doesn’t have to be that difficult!
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
Positive strides have been made since 1995 to advance science literacy in the United States, but teachers and parents agree that more hands-on, experiential learning must be adopted in order to improve science education for future generations, according to the results of the 2015 Bayer Facts of Science Education Survey released today.
For 20 years, Bayer has issued the survey, which assesses science education in the United States and evaluates its development. Although positive strides have been made, survey results emphasize the critical need to improve science education and literacy for future generations. Teachers, for example, universally agree (99 percent) that more hands-on experiential learning in general would benefit student learning.
In response, Bayer is announcing a five-year commitment to provide 1 million hands-on science learning experiences for children by 2020, timed to the 20th anniversary of the Making Science Make Sense® program, Bayer’s company-wide initiative that advances science literacy across the United States.
To view the multimedia release go to:
http://www.multivu.com/players/English/7452954-bayer-children-science-education/
When a military service member is wounded or falls ill, their families may have to travel great distances in order to be on hand during lengthy recovery periods. While assisting in their loved one’s recovery efforts, the last thing family members need to worry about is figuring out a place to stay – and if lodging is even available. Hotels for Heros-- a unique program that provides hotel rooms for military families.
International research led by University College London (UCL) as part of the ‘Cities Changing Diabetes’ partnership programme challenges current scientific understanding of the rapid rise of diabetes in cities. The findings suggest that in cities around the world, social and cultural factors play a far more important role in the spread of the epidemic than previously thought.
More than two thirds of the world’s 400 million people with diabetes live in urban areas.1,2 The year-long study for Cities Changing Diabetes, a unique public-private-academic partnership, sought to better understand what makes people vulnerable to type 2 diabetes in cities in order to inform solutions for one of the most pressing modern-day public health challenges. To explore this complex issue, more than 550 interviews were undertaken with at-risk and diagnosed people in five major cities – Copenhagen, Houston, Mexico City, Shanghai and Tianjin.
“By largely focusing on biomedical risk factors for diabetes, traditional research has not adequately accounted for the impact of social and cultural drivers of disease,” says David Napier, Professor of Medical Anthropology, UCL. “Our pioneering research will enable cities worldwide to help populations adapt to lifestyles that make them less vulnerable to diabetes.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7690951-study-rethink-rise-diabetes-in-cities/
In a glittering venue hosted at The Athens Concert Hall on May 15, 2017, attended by State officials and business representatives from all sectors of the economy, Mr. Gabriel Chaleplis was honoured for his international entrepreneurship.
The award to Mr. Gabriel Chaleplis was presented by Mr. Elias Xanthakos, Secretary General of The Greek Ministry of Economy and Development.
The award was presented for the first time in Greece, in order to honour international entrepreneurs of Greek origin who have demonstrated success, ethics, an international mind-set, and major achievements on global level.
To view the multimedia release go to:
https://www.multivu.com/players/uk/8111251-b2b-gaming-gabriel-chaleplis-entrepreneur/
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.
LG SIGNATURE is continuing to increase its global reach and visibility by partnering with prominent figures in fashion and design. LG SIGNATURE has teamed up with well-known personalities in one of the world's most acknowledged style capitals, Milan, Italy, to highlight the lineup's design credentials and natural relationship with high-end couture and luxury goods.
LG SIGNATURE's campaign in Italy is composed of different activities focused on design. Popular TV and cinema personality Federica Fontana - a former model, TV presenter and actress - will be involved in a product placement activity aimed to create social buzz about LG SIGNATURE products through social media postings. Moreover, in order to communicate the products' many benefits, LG will ask the opinion of Marco Bocci, one of Italy's most popular actors and director, about LG SIGNATURE OLED TV's unrivalled performance and refined aesthetics.
To view the multimedia release go to:
https://www.multivu.com/players/English/8464351-lg-signature-fashion-design-partners/
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Lose weight while eating whatever you want
If you're looking to lose weight but don't want to follow a strict diet, there are some great ways to do so.
Many people have success by doing things slightly different than what they've tried before.
If you need some motivation or inspiration to start this process, here are four tips on certain foods that can assist in your weight loss journey.
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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/
