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
For the millions who suffer from Gastroesophageal Reflux Disease (GERD), a study published today in the New England Journal of Medicine (NEJM) provides clinical evidence of safety and effectiveness for a new, FDA-approved medical device. Torax Medical’s LINX® Reflux Management System was studied in a controlled, prospective, multicenter trial involving 14 U.S. and European medical centers as part of the FDA pre-market approval process. The patients were evaluated before and after treatment to determine the effect of the LINX System on their GERD using pre-defined success criteria, which included reduction of esophageal acid, improvement in quality of life and elimination of reflux medications.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60077-torax-medical-linx-reflux-management-system-clinical-study-published
By reprogramming a 7–year–old girl’s own immune cells to attack an aggressive form of childhood leukemia, a pediatric oncologist has achieved a complete response in his patient, who faced grim prospects when she relapsed after conventional treatment. The innovative experimental therapy used bioengineered T cells, custom–designed to multiply rapidly in the patient, and then destroy leukemia cells. After the treatment, the child’s doctors found that she had no evidence of cancer.
To view Multimedia News Release, go to http://www.multivu.com/mnr/50777-chop-engineered-immune-t-cell-therapy-anticancer-effect-in-children
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Joerns Healthcare has launched the Dolphin Fluid Immersion Simulation® system that more effectively prevents and treats pressure-related injuries than other surfaces. This patented technology simulates the effect of floating in water for patients on hospital beds, stretchers, and in wheel chairs. The Dolphin technology continually adjusts to the patient’s body, promoting tissue perfusion and oxygenation, and minimizing injury related to compromised blood flow. The Dolphin is also proven to accelerate healing of advanced stage or multiple pressure ulcers, muscle flaps, skin grafts, burns and other wound conditions.
To view Multimedia News Release, go to http://www.multivu.com/mnr/58463-joerns-dolphin-fluid-immersion-simulation-system-pressure-related-injuries
OptiNose US Inc. today announced results of a study testing delivery of the migraine medicine sumatriptan with a novel device using OptiNose breath powered Bi-Directional™ nasal technology. In a direct comparison of drug absorption, the study found that OptiNose's sumatriptan product sent 62% more drug into the blood in the critical first 15 minutes than Imitrex® nasal spray (AUC 0-15 = 1.69 ng*hr/mL and 1.04 ng*hr/mL, respectively). The OptiNose technology achieved this improved effect despite delivering 20% less drug into the nose (16mg) than the Imitrex® liquid nasal spray (20mg).
To view Multimedia News Release, go to http://www.multivu.com/players/English/57713-optinose-innovative-breath-powered-nasal-delivery-technology-delivers-drugs-to-treat-variety-of-medical-conditions
The 2012 Atlantic hurricane season is in effect through Nov. 30, making it important for families to have an emergency preparedness plan and kit. Two-way radios from Motorola Solutions, Inc. (NYSE:MSI) are a must-have communication tool for use in severe weather situations and emergencies such as hurricanes, floods, tornadoes, wildfires, winter storms, emergency evacuations and Amber alerts by combining NOAA weather channels and alerts with powerful two-way communications and durable, weatherproof housing. The latest MT350R series of consumer Talkabout® two-way radios feature convenient emergency preparedness features and a weatherproof design.
To view Multimedia News Release, go to http://www.multivu.com/mnr/58200-motorola-solutions-weatherproof-two-way-radios-noaa-weather-alerts
The effect of a truly smoking pair of jeans is instantaneous – they’ll take you anywhere. And fast. Worn as daring as you like, with an attitude to match, they are the ground-breaking invention upon which fashion has revolved. Rocking and rolling with every vogue, season and trend, we celebrate our rebellious wardrobe leader.
Powerful denim underlies every jagged line that fashion’s edgy side follows and this autumn the Collection of nine Chic Outlet Shopping® Villages that orbit Europe’s most fashionable cities present ‘Destination Denim’.
To view Multimedia News Release, go to http://www.multivu.com/mnr/56604-chic-outlet-shopping-launch-of-destination-denim
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Watch this video to learn how to pick the right brand colors! This video will teach you how to choose colors for logos and all marketing materials.
Did you know that understanding the psychology of color could bring you more business? Indeed it can. Color and psychology are related i.e, one is the cause and the other is the reaction. Colors have an effect on our behavior which can be positive or negative. The study of this is called color psychology. There are some popular associations to colors like the color red is symbolic of love and white of purity.
Understanding what colors mean can help businesses come up with powerful branding.
A first for the hotel industry, boutique hotel company Affinia Hotels, with properties in NYC and Washington, D.C., has hired a bartender to train hotel staff on ‘The Spirit of Hospitality: The Art of Being Present.’ Dushan Zaric, widely known for his out-of-the-box mixology seminars for bartenders, is training the staff on how to be present and that how they feel when they are doing their jobs has a powerful effect on guests.
To view Multimedia News Release, go to https://www.multivu.com/mnr/57139-affinia-hotels-hires-mixologist-dushan-zaric-to-train-staff
