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
Although the NHS is ranked as one of the institutions that makes people ‘most proud to be British’1, a new poll commissioned by Astellas Pharma Europe Ltd, highlights that 91% of people feel that the health service is in need of change2. In particular, shorter waiting times (36% of respondents) and improved access to medicines (30%) rank most highly as the areas in need of greatest reform.
With only 1 in 4 of respondents agreeing that the Government currently spends enough on health, the survey reveals that those polled would be willing to accept an average charge of £10 for a missed GP appointment in order to improve service levels. The people polled also said they would be willing to pay an average of £170 per year in additional income tax for healthcare funding – which could result in approximately £5 billion in additional tax revenue for the Treasury3. In addition to these charges, 39% of those polled would be willing to accept an additional charge if it meant quicker access to healthcare services and 44% of those polled would be willing to accept additional charges if it meant access to newer and potentially more effective medicines.
To view the multimedia release go to:
http://www.multivu.com/players/uk/7753151-astellas-survey-public-support-nhs-concern/
Puja rituals are an integral part of Hindu culture. In order to stand out from numerous startups, currently competing with each other in the spiritual market domain, and to cater to millions of Hindus worldwide, WheresMyPandit has entered the field of mobile-commerce with the launch of its mobile application.
Built for Android users, WheresMyPandit expects an increase by three times for both inquiries and sales after the launch of the application. And, post the launch of the iOS application near to the Diwali season, it will multiply by nearly five times.
Not only can you book a pandit with a simple click through the application, but in the future, you can also chat or talk to the pandit to help you with various intricacies such as Muhurat timings and information about the puja on a real-time basis. A real-time tracking of the panditji will also be made available so you don't miss out on your muhurat timings while the pandit is on his way to conduct the puja.
To view the multimedia release go to:
http://www.multivu.com/players/uk/7650651-mobile-commerce-with-wheresmypandit/
Castrofate
"Shattered Soul"
from the album 'Castrofate' out March 1, 2014
Cataclysmic Metal Records
facebook.com/CataclysmicMetalRecords
Video by JNP Productions
http://www.jnpproductions.com/
www.castrofate.com
Order Page: www.castrofatepictures.com New CD and New Hit The Lights/Castrofate Shirt Paypal buttons will be added soon
CASTROFATE's "Shattered Soul" is Track 4 off the band's 5th self-titled album 'Castrofate' which features 8 songs and will be available from the band for $5 on March 1, 2014. The album will be sent free to people who purchased the band's previous 2 albums 'iHuman' & 'Systematic Suicide', anyone who has purchased those was placed on a list to receive a free copy, and anyone who still buys them will still be placed on the list up until February 4. Pre-Orders will also begin soon. The album, as well as the video, are the first to feature a full 4-piece line-up.
'Castrofate' album line-up:
Danny Castro - vocals & guitar
Tom DeFazio - lead guitar
Dok Dwyer - bass
Dima Shnaydman - drums
Produced by Nick Killmeier & Danny Castro
Engineered by Nick Killmeier at Crossfire Productions
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The Casting Couch
Professor Puppet and Sasha Snow discuss about the casting couch situation in Hollywood. Sasha is an aspiring actress who’s trying to get her way through stardom. Everyone knows that it’s hard to achieve one’s dream of becoming a celebrity but it’s definitely even harder for women because it frequently happens that a producer would leave some subtle impression of a Quid pro quo “this for that” situation. Say, a producer would solicit some sexual favors in return of becoming a cast in a show. Sasha, in her experience, has a few to mention just like male producers would come up to her and would say something in a smooth connotative language but the meaning is still the same. In a form of straight forward language, it only means one thing and that is “I want to f*ck you”. So it’s like this, they’re just working it out in a professional context like getting drinks here and there, wining and dining, etc. But behind the scenes there are some celebrities out there who made their way through the top by sleeping with everyone in the corporate ladder.
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Six terminally ill teenagers are given a second chance at life when their consciousnesses are uploaded into the bodies of weaponized robots in order to fight Sigma, a dangerously advanced artificial intelligence program threatening world domination. Find out more at http://www.markalpert.com/ #TheSix YA
As an addition to the social responsibility project it started for sheltering street animals, the lucky address for shopping, n11.com, has now redesigned its delivery boxes, turning them into portable "homes" that can protect animals living on the streets from the harsh conditions of winter.
Contributing to the e-trade sector with its innovative activities, n11.com has completed the design work that it has been conducting in the last period, turning its delivery boxes into portable "homes" for street animals.
The special boxes were designed to especially endure cold weather conditions and were produced after approximately a year of Research and Development efforts. From now on, shoppers who order pet food on n11.com will be contributing to providing street dogs and cats with a warm home.
To view the multimedia release go to:
http://www.multivu.com/players/English/7664151-n11-com-boxes-homes-animals/
Legendary classic erotic star, Amber Lynn, appears at the AVN awards to donate her to the Free Speech Coalition together with the other stars like Tanya Tate. She's there more on her advocacy against Measure B and to educate her fans why she and her colleagues are against it.
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Over 50 PR agencies and in-house PR departments came together to witness the first PR Pressure conference, which took place on Wednesday, 25 May 2016, at the Dusit Thani, Dubai. The event, organised by Secret PR, marks the first of an annual series of conferences that address the struggles faced by PR professionals in the Middle East. Leading up to the next conference, Secret PR will be taking proactive steps towards providing pragmatic solutions for the issues raised at the event.
One of the highlights from the conference was a series of open discussions surrounding opinions on the media and the PR industry. Inspired by a popular hashtag, #UAEPR, the event offered an open and professional approach to the shortcomings of both industries in order to encourage better practice amongst journalists and PR professionals. These sessions were headed by speakers from PR agencies and media, including Nick Rego, Senior Editor at tbreak.com, Sudeshna Ghosh, a consulting editor and freelance writer, Shereen Shabnam, Consultant Head of PR for octOpus and MTE Studios, and Louay Al-Sammarai, Joint Managing Director and Co-Founder of Active (Digital. Marketing. Communications).
To view the multimedia release go to:
http://www.multivu.com/players/uk/7852351-pr-pressure-conference/
https://domesticsciencehome.co.uk/ Order online today - FREE UK shipping for orders over £50 (*excluding vintage) or a simple flat rate of £3.95 to the UK Mainland (inc Northern Ireland). Described as an Aladdin's Cave by our customers do make time to browse all the floors, then relax with a fresh coffee and enjoy outdoor seating in sunny weather.
Our two mini ‘department’ stores are filled to the brim with a fascinating mix of contemporary and vintage items handpicked from far-flung corners of the globe to inspire and delight, now you can buy our range direct.
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