The Chevrolet Equinox and its twin, the GMC Terrain, are the only midsize SUVs out of nine evaluated to earn a good rating in the Insurance Institute for Highway Safety’s small overlap front crash test, which continues to challenge manufacturers more than a year and a half after its introduction.
The Equinox and the Terrain qualify for the Institute’s highest award for 2014, TOP SAFETY PICK+. The Toyota Highlander, a midsize SUV whose acceptable small overlap rating was announced in December, also qualifies. The award is given to vehicles with a good or acceptable small overlap rating, good ratings in four other occupant protection tests, and a rating of basic or higher for front crash prevention.
Three other midsize SUVs in the test group rate poor for small overlap protection, and three are marginal.
The latest small overlap front crash test results from the Insurance Institute for Highway Safety (IIHS) reveal a range of performance among many of the best-selling small cars in the U.S. market. Of the 12 models evaluated, half earn a good or acceptable rating and qualify for the IIHS TOP SAFETY PICK+ award.
The 2-door and 4-door models of the Honda Civic are the only small cars to earn the top rating of good in the test. IIHS evaluated the Civics earlier this year and released the results in March. The Dodge Dart, Ford Focus, Hyundai Elantra and 2014 model Scion tC earn acceptable ratings.
The 2014 Subaru Forester is the first vehicle to ace every aspect of the challenging small overlap front crash test conducted by the Insurance Institute for Highway Safety (IIHS). The Forester, the only 1 of 13 small SUVs to earn an overall rating of good in the test, and the 2013 Mitsubishi Outlander Sport, which earns acceptable, are the latest vehicles to qualify for the Institute’s recently inaugurated top honor, TOP SAFETY PICK+. Each of the other 11 SUVs earns either a poor or marginal rating.
Students who qualify will complete, in 32 weeks, the in-school portion of their apprenticeship training. An additional four weeks will be spent with a potential employer or performing other work-related activities.
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
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Homeowners in Santa Clara County still can take advantage of a county rebate program that covers 80 percent of the cost of a home energy assessment, up to $800. However, because the program is for a limited time only while funds last, homeowners are urged to contact a participating contractor as soon as possible to schedule a home energy assessment and also qualify for additional incentives up to $6,000 through Energy Upgrade California.
To view Multimedia News Release, go to http://www.multivu.com/mnr/53504-energy-rebates-air-conditioning-repair-hvac-insulation-home-value
Six of 13 small cars recently evaluated by the Insurance Institute for Highway Safety earn the TOP SAFETY PICK award, and none earn a poor rating in any of 4 tests. This is a turnaround from a few years ago when small cars struggled to earn top safety ratings. The new tests include hybrids and gasoline-only models that are among the most fuel-efficient vehicles available in the U.S. market.
The ratings are based on performance in front, side, rollover, and rear impact evaluations. Cars that earn the top rating of good in each test and have available electronic stability control (ESC) qualify for TOP SAFETY PICK. Winners are the 2012 Ford Focus and Honda Civic, along with the 2011 Hyundai Elantra, Lexus CT 200h hybrid, Nissan Juke, and Toyota Prius hybrid. The Civic, CT 200h, Elantra, Focus, and Prius have at least one version with a government fuel economy rating of at least 40 miles per gallon on the highway. The Dodge Caliber, Honda CR-Z and Insight hybrids, Nissan Sentra and Versa, Scion xD, and Suzuki SX4 also were rated but didn’t earn TOP SAFETY PICK.
Whether you have an apartment balcony or a 20-acre farm, you can create a garden that attracts beautiful wildlife and helps restore habitat in commercial and residential areas. By providing food, water, cover and a place for wildlife to raise their young, you not only help wildlife, but you also qualify your space to become an official Certified Wildlife Habitat
To view Multimedia News Release, go to http://www.multivu.com/players/English/47690-The-Scotts-Company-Backyard-Habitat/
The Chevrolet Volt and Nissan Leaf earn the highest safety ratings from the Insurance Institute for Highway Safety in the first-ever U.S. crash test evaluations of plug-in electric cars. The milestone demonstrates that automakers are using the same safety engineering in new electric cars as they do in gasoline-powered vehicles.
The Volt and Leaf earn the top rating of good for front, side, rear, and rollover crash protection. With standard electronic stability control, they qualify as winners of TOP SAFETY PICK, the Institute’s award for state-of-the-art crash protection. The ratings help consumers pick vehicles that offer a higher level of protection than federal safety standards require.
Kumon, the world’s largest after-school math and reading enrichment company, seeks candidates to join its fast-growing franchise system. Candidates must qualify prior to the May 2 deadline to take advantage of the $27,500 in business incentives.
To view Multimedia News Release, go to http://multivu.prnewswire.com/mnr/kumon/43824/
