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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

There are many things that you can do to continually grow your business or blog. This video goes over nine of them. These strategies are tried and true. I guarantee that when you build trust with your clients you will make more money. https://www.youtube.com/watch?v=CpA79HiPgt4

More and more work is being done using personal mobile devices and employees expect employers to keep personal information privateMobileIron on those devices, according to new research from MobileIron (NASDAQ: MOBL). The 2015 MobileIron Trust Gap Survey, released today, examines the privacy expectations workers have when using a mobile device for work. TheMobileIron online research conducted by Harris PollMobileIron on behalf of MobileIron surveyed more than 3,500 employed adults who use a mobile device for work in France, Germany, Japan, Spain, the UK, and the US (“workers”). “Mobile workers, especially younger workers, have an expectation of privacy when using mobile devices for work. Many would leave their jobs if their employer could see personal informationMobileIron on their device,” said Ojas Rege, Vice President, Strategy, MobileIron. “In a world where smartphones contain increasing amounts of sensitive personal data, CIOs must remember that every device is a mixed-use device and must protect employee privacy as fiercely as corporate security.” To view the Multimedia News Release, go to http://www.multivu.com/players/English/7423152-mobileiron-survey-mobile-device-privacy/

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/

Living Off the Grid - http://www.thriveoffthegrid.com/ - See how others are living offgrid using the advantages of wind and solar energy plus more for off grid power and ... Living off the grid you must take advantage of renewable energy. This renewable resource originates from several sources, consisting of sun, wind and water, to start with ... Researchers are constantly on the lookout for more ways of making green energy. Here are the 2 types you must understand now. Living off the Grid: - Advantages of Solar Power i. The energy that originates from simply one hour of sun suffices to supply energy for a year for the whole world ii. A battery can be used to store off grid solar power for evenings and cloudy days iii. Solar panels on a roof work when the sun's rays strike the cells in the panel and electrons are released, producing energy iv. Using solar power will typically provide a saving of $100+ each month on utility costs for the property owners of off grid homes . Living off the Grid: - Advantages of Wind Energy i. When wind goes through the blades of a turbine that is connected to a generator, the energy produced by the spin is converted into electrical energy ii. A single large wind turbine can provide electricity for around 500 off grid homes iii. Last year, 42 % of the houses that were geared up with a source of off grid power used wind iv. Unlike most other sources of energy, wind utilizes hardly any water; not only is wind energy carbon neutral, it helps water conservation also v. There is around 10 times the amount of wind available in the U.S. than is needed to supply power for the whole country vi. Wind energy is presently the fastest-growing source of renewable energy: - Around two wind farms are set up weekly in the U.S. For living off the grid, the facts indicate that the advantages of solar power combined with the advantages of wind energy now exceed any advantages that fossil fuels may have had. However it is probably down to individuals to begin the shift to a larger scale adoption, so that we may all enjoy living off the grid.

Cole Haan, the iconic American lifestyle footwear and accessories brand, unveils GrandRevølution – a dual gender collection that brings the innovation associated with performance footwear to dress shoes. “With the launch of GrandRevølution, we have dramatically reinvented the design and construction of dress footwear,” says Jack Boys, Chief Executive Officer at Cole Haan. “We have re-engineered traditional dress silhouettes in a way no dress footwear company has since the invention of the Goodyear Welt in 1869. You must see and feel it to believe it,” he added. To view the multimedia release go to: http://www.multivu.com/players/English/7908951-cole-haan-grandrevolution-collection/

grabbed iphone to shoot this when a woman in my office went mental and destroyed the office

www.LegendsofAmunRa.com One of the best science fiction books of the year is here, The Soul of the World, book 2 in the series Legends of Amun Ra The ancient powers lost to Potara have returned. The Brotherhood of the Black Rose rises to bring Thoth into disorder. And, while the Brotherhood reclaims their power, chaos reigns among the survivors. Six individuals have emerged from the aftermath struggling for control over their lives and a divided land. Kem and Shirin, who abolished the five thousand year reign of the Amun Priests, rule from the golden throne of the Oracle’s Chair in the Hall of the Nine. Dio and Axios struggle to piece together a resistance worthy to challenge the ancient magic which resides in the Great Temple of Amun, and Leoros and Atlantia try to remain true to their hearts and their cause despite tragedy. 
But when the Book of Breathings is discovered, the path to immortality is revealed. Leoros and Kem race to capture the Soul of the World unaware of the challenges awaiting them. This time, the gods themselves will intervene. A must read, best science fiction books of the year 
In a tale where boys become men and girls become women, where treachery and deception are around every corner, and where primeval mysticism finds its way back from the grave, victory is reserved for neither the good nor the evil, but the powerful. Join the journey to one of the best science fiction books in 2013. www.LegendsofAmunRa.com

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/

When shy Olinguito, the newest mammal in the Ecuadorian cloud forest, realizes that Tomás, an ancient Galapagos tortoise known for his tall tales, is becoming forgetful, Olinguito decides he must speak up and help Tomás. Children

The Director of National Intelligence for the United States stated publicly that Iran is a direct threat to the United States. Jay Sekulow talks about the reasons why Iran must not posses a nuclear weapon.

As sleaze oozes from the Pentagon, banished Marine and Naval Academy alum Susanna Marcasi finds a web of corruption and must take on a man to whom all are beholden, Defense Secretary Manfred Stahl. Can she bring down the cloistered power brokers deep within the military’s superstructure and survive? Blood Stripe: The Susanna Marcasi Chronicles. Find out more at:  http://www.GinaMariaDiNicolo.com or on Amazon at: http://j.mp/Blood-Stripe  Cincinnati City Beat and Amazon reviewer John Kelly says “Like a literary version of ‘A Few Good Men (and Women)’ on steroids, Gina Maria DiNicolo rips into your emotional core like a ‘kill shot’ from page one and never lets up for 322 pages. This book, not for the weak of heart, tells the story of strength, courage and no mercy in the most elite units of the U.S. Armed Forces.” Baltimore native Gina Maria DiNicolo graduated from the U.S. Naval Academy with a degree in history and an attraction to the unconventional. She accepted a commission in the U.S. Marine Corps where she worked in aviation, recruiting, history, and public affairs. As a fulltime author and historian, in addition to her two books, DiNicolo has written scores of articles for the Military Officer Magazine and other publications. After publishing Blood Stripe, she sought to get her historian game on and accepted a one-year, work/study assignment as a senior editor for the U.S. Army Center of Military History in Washington, D.C., producing studies on military operations in Iraq and Afghanistan. She is a dancer specializing in Argentine Tango.  For a review copy of Blood Stripe: The Susanna Marcasi Chronicles or to arrange an interview with Gina Maria DiNicolo contact Scott Lorenz of Westwind Communications Book Marketing  http://www.book-marketing-expert.com/  or by phone 734-667-2090.