Jennifer Fallon returns to the world of the bestselling Hythrun Chronicles for this tale of switched identities, world-changing schemes, deals with Death, star-crossed lovers and meddlesome gods. Find out more at http://www.jenniferfallon.com/ or http://us.macmillan.com/books/9780765380791 fantasy
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
The National Insurance Crime Bureau (NICB) today warned drivers in the Las Vegas area to be on the lookout for criminals targeting trucks in a deliberate attempt to cause an accident for the purpose of collecting insurance money.
As many as 100 suspected staged accidents along the I-15 corridor through the metropolitan Las Vegas area have been reported to NICB in the past 12-18 months and as many as 25 of those accidents targeted big rig trucks. The NICB is working closely with its member companies, the Nevada Insurance Council, the Nevada Highway Patrol, and the Nevada Attorney General’s Office to track down the organizers behind these schemes.
To view Multimedia News Release, go to http://www.multivu.com/mnr/53844-nicb-staged-accidents-targeting-big-rig-trucks-could-turn-deadly
If you want to print a Microsoft Word or Excel poster there is no better software than RonyaSoft Poster Printer (http://www.ronyasoft.com/products/proposter/). You can create any Microsoft Word or Excel document with schemes, diagrams and pictures and turn it into a large poster. Want to know how? Check out this video.
Could you imagine that using only your home printer you can easily convert pictures, digital photos, Microsoft Word documents, Excel spreadsheets, PowerPoint presentations, CAD drawings and electric schemes into huge multipage posters and personalised photo gifts? With RonyaSoft Poster Printer software it is more than possible.
In this video you will see how to design and print your own large format map. For this purpose I used RonyaSoft Poster Printer software (http://www.ronyasoft.com/products/proposter/). It makes digital map printing easy and fast. Choose any map image you like and print it. You`ll create your own big map in a wink.
RonyaSoft Poster Printer offers a great variety of different options. You can easily convert pictures, digital photos, Microsoft Word documents, Excel spreadsheets, PowerPoint presentations, CAD drawings and electric schemes into huge multipage posters and personalised photo gifts using only your home printer and RonyaSoft Poster Printer software.
The National Insurance Crime Bureau, the Insurance Information Institute and the National Consumers League have joined together to alert victims of Sandy to the potential for fraud by unscrupulous contractors. A 30-second public service announcement urges Sandy victims to be alert to potential fraud schemes by contractors who are only looking to take their money while doing shoddy repairs or no repairs at all. Victims are advised to avoid pressure tactics and contractors going door to door. “If you didn’t request it, reject it.” People who suspect that they’re being scammed can call 1-800-TEL-NICB to report it.
To view Multimedia News Release, go to http://www.multivu.com/mnr/53843-nicb-alert-to-sandy-victims-potential-for-fraud-by-contractors-psa
Fans of racing, “The Dark Knight” and Mountain Dew® (DEW) start your engines! Mountain Dew and Dale Earnhardt Jr. will give fans everywhere a first taste of this summer’s most anticipated blockbuster, Warner Bros. Pictures’ and Legendary Pictures’ The Dark Knight Rises, before it hits theaters on July 20. Teasing the final film of “The Dark Knight” trilogy, Earnhardt calls on fans to give his No. 88 Diet Mountain Dew Chevrolet a “Dark Knight”-inspired makeover before it hits the track in Michigan on June 15.
The new promotion marks the official kick-off to Mountain Dew’s interactive The Dark Knight Rises campaign by putting the power in the hands of the fans to determine which of four “Dark Knight”-inspired paint schematics will appear on Earnhardt’s No. 88 Chevrolet. Each paint scheme captures a different element featured in the third and final installment of Christopher Nolan’s Batman trilogy and time will tell if Batman or Gotham City’s newest terrorist, Bane will win out, or if fans will select The Dark Knight Rises logo as part of Earnhardt’s paint scheme. Earnhardt himself will also get his ownsignature “Dark Knight” look thanks to a custom fire suit that will also make its race debut in Michigan on June 15.
To view Multimedia News Release, go to http://www.multivu.com/mnr/56208-mtn-dew-dale-earnhardt-jr-dew-crew-the-dark-knight-rises
