Sapphires are always looking for new and experienced models to join our books. To apply to become a model simply email some clear images of yourself along with your measurements and contact details to newfaces@sapphiresmodel.com or via the form on the right. We will always consider female models of all dress sizes.
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Professional, high-shine, no dry time and long-wear—these are the qualities that have made millions of women gel manicure converts. But as any gel manicure devotee can attest, these perks are also what make the manicures so expensive—and time-consuming. That’s why the innovators at Sally Hansen are taking the manicurist out of the equation and putting professional results at your fingertips with the new Salon InstaGel Strips™ and Salon GelPolish™, two unique systems that equip you with everything you need to replicate a state-of-the-art gel manicure. Delivering mirror shine, no dry time and indestructible, chip-free wear for up to 14 days, each easy-to-apply system makes you your own manicurist at a fraction of the price. With Sally Hansen, you can effortlessly get the salon manicure you covet without leaving home—or breaking the bank.
To view Multimedia News Release, go to http://www.multivu.com/mnr/57213-sally-hansen-introducing-new-at-home-gel-manicure-systems
Upon leaving the military, many veterans—especially those who have been injured—anticipate their earned benefits to begin automatically. That is not the case. Veterans must apply for their benefits, and awards are not automatic. In fact, the Veterans Affairs (VA) claims-processing delays recently hit a 20-year high, with the average claim taking 262 days to be processed. Each day that veterans’ claims languish means another day that they do not receive the benefits they need in order to care for themselves and their families.
To view Multimedia News Release, go to http://www.multivu.com/mnr/59682-actor-gary-sinise-dav-veterans-benefits
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
Emirates’ award-winning frequent flyer programme, Emirates Skywards, and MBNA have signed a new UK credit card collaboration; and announce the launch of two new credit card accounts for current and new Emirates Skywards members and UK consumers.
The ‘Emirates Skywards Credit Card Account’ and ‘Emirates Skywards Elite Credit Card Account’ allow customers the choice between a standard no annual fee card and an elite version with fee. Both cards are available to apply for now at www.emirates.com/uk.
To view Multimedia News Release, go to http://www.multivu.com/mnr/61921-emirates-skywards-MBNA-UK-card-partnership
Money Management International (MMI) is participating in a nationwide partnership to help families struggling with their mortgage payments apply for help from the Federal government’s Making Home Affordable Program (MHA). The MHA program is an important part of the Obama administration’s comprehensive plan to help homeowners get mortgage relief and avoid foreclosure.
To view Multimedia News Release, go to http://www.multivu.com/mnr/52440-money-management-international-mmi-mortgage-relief-mha-program
Slovenian company, DOO Petsdialog, in cooperation with the organizing committee of the ministry of tourism of Slovenia announced the international contest, Lord of the castle, with prize of 100 000 euros. The winner of the competition will also become the caretaker of the ancient castle on the lake Bled for one day. To win this prize you need to meet only two criteria: you should be at least 18 years old (or have the written consent from your parents) and have a dog. The competition is going its pace but it is not too late to apply for the job of your dreams. Some participants became leaders in voting in just 3 – 4 days and left behind those who had registered much earlier.
To view Multimedia News Release, go to http://www.multivu.com/mnr/64143-DOO-petsdialog-lord-of-the-castle
The book of Proverbs helps current and future leaders how to be better leaders. Raymond Harris discusses behaviors to avoid, how to be an ethical employer, good disciplines and habits to form and how to apply those things to running a business. The Heart of Business Solomon’s Wisdom for Success in Any Economy by Richard H. Harris. Find out more at http://bit.ly/TheHeartOfBusiness. Video provided by NavPress. Christian
See https://www.coca-cola.com.au/account/login?layout=promotion-fifa for details.Your next trip to Woolworths could be all you need to score the winning GOOOOOAAAALLLL of 2014!'Coca-Cola'
is giving away 3 trips to Brazil to see the 2014 FIFA World Cup. Prize
is 7 nights accommodation, double passes to 2 matches at the 2014 FIFA
World Cup, hotel transfers, daily breakfast and 1 guided sightseeing
tour . Plus you have a chance to win an adidas Brazuca Glider ball, EA
SPORTS™ FIFA 14, and PlayStation® 4 Console INSTANTLY!For your chance to win:1. Buy any of the products* below.2. Enter the draw for 1 of 3 trips with your product barcode and Woolworths receipt number.3. And also enter the instant win draw to see if you have won one of the instant prizes.Participating packs include: 'Coca-Cola', 'Coke Zero', 'diet Coke', Fanta, Lift, Sprite, Powerade or Powerade Zero.Eligibility requirements and conditions apply. Promotion closes 12.4.14.
The first salon-quality manicure that combines pure nail color with high techno gel... exclusively from Sally Hansen. Love the high shine, glossy look of a gel manicure but could do without the complexity of LED lights, time consuming removal, and expensive price tag? Now, Sally Hansen, the leader in nail color innovation, is making manicure history with an entirely new way of thinking about long lasting nail color. Its new, patented Miracle Gel, is the first ever part lacquer, part gel manicure system that delivers up to 14 days of lasting color and shine in just 2 easy steps. Simply apply two coats of the Miracle Gel Color Coat, followed by the Miracle Gel Top Coat, to achieve the most convenient manicure, ever.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7296951-sally-hansen-introduces-miracle-gel-manicure-system-without-the-light/
Global NCAP, the umbrella body of consumer car safety testing bodies, welcomes the Indian Government’s initiative to launch a New Car Assessment Programme (NCAP) but believes that this positive step should also be accompanied by action to apply the United Nation’s minimum crash tests standards.
India is now the fifth largest producer in the world of passenger cars but new independent crash tests show why the country should use internationally accepted safety standards. Crash tests of Nissan’s Datsun Go and Maruti-Suzuki’s Swift demonstrate a high risk of life-threatening injuries with both cars receiving zero-star safety rating for their adult occupant protection. These risks would be significantly reduced if the cars had to comply with the UN test regulation for frontal and side impact.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/72762582-nissan-suzuki-safety-test-score/
