As spring home buying season picks up, Bank of the West has released a series of educational videos to help consumers understand and navigate the home purchase process.
Mortgages In Brief are short videos available on Bank of the West’s YouTube channel that give consumers some of the essential information on down payments, credit scores, loan costs and documentation. The mortgage videos feature Karen Mayfield, who heads the Bank’s team of mortgage bankers. Mortgages In Brief are the latest videos in the Bank’s popular In Brief Series designed to educate consumers on financial matters.
To view Multimedia News Release, go to http://www.multivu.com/players/English/61199-bank-of-the-west-releases-homebuyer-videos
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
AmLactin® Alpha-Hydroxy Skin Care is proud to announce the introduction of AmLactin® Cerapeutic™ Restoring Body Lotion, formulated with skin care’s newest “power couple”— alpha-hydroxy acids (AHAs) and essential ceramides. Making its retail debut at select Wal-Mart and Walgreens stores, AmLactin® Cerapeutic™ contains the intensely hydrating, patented ULTRAPLEX® formula to gently exfoliate, and three skin identical ceramides that work together to quickly strengthen skin’s protective moisture barrier for noticeably softer, more resilient skin.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60859-upsher-smith-amlactin-cerapeutic-restoring-body-lotion
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Website: http://vh3d.com/3d-visualisation/
3D Visualisation images are essential in effectively communicating the vision of your project. 3D rendering of your proposed development helps the professional and lay person alike understand and love a project 'at a glance'. These pictures and images are the shop window for your project.
In celebration of National Breakfast Week, Kellogg’s® is making a difference by sharing breakfast with children in need. Moms and dads know that breakfast is essential to giving kids the start they need to help unlock their potential. But not every child gets this important start to their day. In fact, nearly one in five children across the U.S. goes without breakfast every day.1 That’s why Kellogg’s, and their in-school breakfast partner Action For Healthy Kids®, have partnered with Taye Diggs for the third annual Share Breakfast™ program. Together, they are making it easy for families to help share one2 million breakfasts with kids who might otherwise go without.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60063-kellogg-s-share-breakfast-taye-diggs-fight-childhood-hunger
Beautiful Lake HD desktop wallpapers are very attractive and essential to bring life on desktop screen. We are committed to you to bring new Beautiful Lake HD desktop wallpapers....for more please visit...
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Finding yourself stranded in your car due to treacherous conditions like snow, ice, poor visibility and slick roads only to discover you have junk in the trunk, rather than the necessary roadside emergency supplies, can place you and your family in jeopardy.
According to a new survey by State Farm® and KRC Research, more than 60 percent of drivers had some sort of “junk” (non-emergency supplies) in their trunk ranging from extra clothes and shoes to used food or drink containers. While 99 percent of drivers had at least one emergency supply in their vehicle, such as spare tire or jumper cables, a mere nine percent carried all the essential emergency roadside supplies.
To view Multimedia News Release, go to http://www.multivu.com/mnr/56805-state-farm-survey-few-drivers-keep-emergency-supplies-in-vehicle
UBM Tech’s portfolio of essential business and technical information for design engineers and the electronics industry today announced Datasheets.com, a website created for design engineers and electronics purchasing professionals to quickly and easily find electronics parts and inventory, has grown 62 percent in online traffic in 2012. The website currently has over 40,000 registered users. Datasheets.com is produced in partnership with SiliconExpert Technologies.
To view Multimedia News Release, go to http://www.multivu.com/mnr/58488-ubm-tech-datasheets-com-resource-electronic-components-online-traffic-2012
Rough, dry skin may seem like a constant battle for some, especially as cold weather creeps in. When it comes to defeating dryness, leading New York Cosmetic Dermatologist, Dr. Doris Day, recommends following three cardinal rules: cleanse, exfoliate and moisturize. Using a mild cleanser helps rid skin of daily dirt buildup without stripping it of its essential oils. Once skin is clean and dry, applying a moisturizer with 12% lactic acid, like AmLactin® Moisturizing Body Lotion, aids in skin’s natural renewal process, exfoliating dead skin cells while simultaneously locking in moisture to the new cells underneath.
To view Multimedia News Release, go to http://www.multivu.com/mnr/59155-upsher-smith-laboratories-amlactin-moisturizing-body-lotion
During the third quarter, we were again able to capture the benefits of AEGON’s strategic priorities, resulting in solid earnings growth, improved profitability of sales, lower expenses and a continued strong capital position. Our franchise remains healthy, as evidenced by the particularly high level of At-Retirement and pension sales. At the same time, we are making essential investments to reshape our businesses in both our established and developing markets to respond effectively to the changing conditions and new realities. Although there are signs of gradually improving market conditions, there remains considerable uncertainty in the general economic environment. Consequently, we believe it is prudent and necessary to maintain a sufficient financial buffer while at the same time adhering to our strict risk and pricing discipline. The steps we are taking across our organization to get closer to our end customers, combined with the strength of our current position, give us full confidence in the prospects for our business going forward.
To view Multimedia News Release, go to http://www.multivu.com/mnr/58637-aegon-quarter-3-results
http://www.essentialdjs.co.uk/summer-2012/ Essential DJs are a London based team of Professional Disc Jockeys who ensure that you receive the best music service for your function. If you are planning a Wedding, Anniversary Party, Birthday Party, or any important function that requires professional DJ entertainment you have found the right place. Here you can hire a DJ with complete confidence. Established in 1995 Essential DJs has been quietly providing top quality DJs to some of the most amazing functions and events.
