Snow and ice are two weather conditions in which driving are not enjoyable. In fact, it has been suggested that the safest way to handle driving in winter weather is to just stay home. That might work for areas where bad conditions are of short duration. But in some areas where ice and snow is standard for longer periods, that might not be possible.
Under difficult economic conditions in Europe, in 2012 SPIE turned in a highly satisfactory financial performance featuring growth in turnover, a sustained pace of acquisitions and an improved profit margin.
The Group met all its performance targets in terms of margins and business volumes, cash and order intake. These results confirm the relevance of its business model and its strong market positioning.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60649-SPIE-2012-results-targets-met
Fusion-io and two-time USA Memory Champion Nelson Dellis are teaming up to showcase the importance of memory in our minds and our datacenters. While Fusion-io focuses on helping its customers scale the challenges in their datacenters, Nelson will be focused on scaling the challenges he will face on Mount Everest, including what happens to your memory under the extreme conditions found on the world's highest mountain.
To view Multimedia News Release, go to http://www.multivu.com/players/English/60918-fusion-io-climb-for-memory
http://www.BobWalshPlumeriaCare101.com Growing Tropical Flower and Foliage Plants in Chicago.
When it comes to growing tropical plants some gardeners will tell you that these plants cannot be grown in temperate climates.
Fortunately, this is not true. This video shows that tropical plants can be grown successfully in temperate climates.
In temperate climates, gardeners are able to grow beautiful tropical flowering and foliage plants in pots. During the warmer months tropical plants can be grown successfully outdoors.
During the colder months some plants, like Begonia, Caladium and Canna can be allowed to go dormant. Others like Bougainvillea, Croton, Gardenia, Hibiscus, Jasmine and Plumeria, to name a few, can be grown successfully indoors if proper growing conditions are provided.
http://www.BobWalshPlumeriaCare101.com Growing Tropical Flower and Foliage Plants in Chicago.
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 pain you're experiencing in the shoulder can be caused by a number of different conditions, largely due to the complexity of this particular joint. This can be relieved by bone and joint centre.
WebMD Health Corp. (Nasdaq: WBMD), the leading source of health information, announced today its new WebMD Allergy app for the iPhone, an innovative new mobile resource that empowers consumers to take control of their allergies. It is the first free app to provide allergy sufferers with personalized location-based allergy condition forecasts in combination with WebMD’s trusted information and insights. WebMD Allergy is further personalized with optional mobile push notifications that warn when allergen levels are high, enabling app users to proactively manage their allergy conditions.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60044-webmd-introduces-new-allergy-app-for-iphone
Maersk Container Industry calls for tougher enforcement of European environmental legislation designed to protect the Earth’s ozone layer and help prevent climate change.
Current EU legislation bans the “import” or “placing on the market” of reefer containers with significant potential to damage the climate and ozone layer. But thousands of such containers nevertheless circulate in Europe’s internal market on virtually the same market conditions as more environmentally friendly reefers.
To view Multimedia News Release, go to http://www.multivu.com/mnr/58684-Maersk-urges-EU-climate-ozone-action
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
The Federal Alliance for Safe Homes (FLASH)® encourages families in the Northwest to understand their unique winter flood risk and prepare now to protect property and possessions from flood damage.
Floods are a year-round hazard, and the risks do not end when cold weather begins. Heavy seasonal rains and snowmelt often lead to flooding during the winter months. Even areas that receive less snow and rain this winter season might experience drought-like conditions that ultimately can lead to flash flooding when it does rain.
To view Multimedia News Release, go to http://www.multivu.com/mnr/59559-federal-alliance-for-safe-homes-flash-winter-weather-flood-risk
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
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
