Clayton, one of the leading builders of prefabricated and site built homes, has partnered with Family Promise, a leading national nonprofit addressing the family homelessness crisis in America, to present a New Braunfels family with a brand-new prefabricated home.
The owners of a mobile roadside assistance company, Mona Lisa and Oscar De Paz of New Braunfels tried to live their dream of owning a business and providing for their family of five, but when receiving payments from clients proved to be a challenge, they suddenly found themselves without a place to live. With nowhere to turn, the family slept in their car or at a storage facility with their belongings. The storage facility manager suggested they contact Family Promise of Greater New Braunfels. In three months, the family successfully completed the program’s requirements, secured steady employment and housing and achieved sustainable independence.
To view the multimedia release go to:
https://www.multivu.com/players/English/8335051-clayton-homes-family-promise-homelessness/
Travel Insurance also know as Visitors Insurance is a insurance that is intended to cover medical expenses and financial (such as money invested in nonrefundable pre-payments) and other losses incurred while traveling, either within one's own country, or internationally. Student travel, adventure travel, business travel, cruise travel, leisure travel, and international travel are all the options that can be insured through MatrixIA
The Advertising Council, in partnership with the U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development (HUD), announced today the launch of a national public service advertising (PSA) campaign designed to encourage homeowners who are struggling with their monthly mortgage payments to learn about the Making Home Affordable Program.
To view Multimedia News Release, go to http://multivu.prnewswire.com/mnr/adcouncil/45022/
In an effort to increase awareness of the Making Home Affordable® (MHA) Program’s free resources and assistance for struggling homeowners, the U.S. Department of the Treasury (Treasury), the U.S. Department of Housing and Urban Development (HUD), and the Ad Council today launched a new series of public service advertisements (PSAs) as a part of their Foreclosure Prevention Assistance campaign.
MHA launched in 2009 and is a critical part of the Administration's strategy to help homeowners avoid foreclosure, stabilize the country’s housing market, and improve the nation's economy. The program offers a range of solutions, including lower monthly mortgage payments for struggling homeowners, as well as options for unemployed or underemployed homeowners and those who owe more than their homes are worth. To date, MHA has helped more than 1.5 million families nationwide.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7324251-ad-council-treasury-hud-new-public-service-ads-making-home-affordable/
UBM Tech today unveiled the new community-driven Bank Systems & Technology (banktech.com), an interactive platform for bank technology professionals to connect with peers, editors and industry experts. The redesigned site provides the latest news, commentary, and discussion on the most pressing issues that technology and business leaders face in the financial services market. More than 50 new community contributors involved in banking channel strategies, payments, security, bank core systems, data management and compliance trends will enrich its award-winning editorial coverage.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/7233651-ubm-tech-unveils-new-community-driven-bank-systems-and-technology
“Across the country we’re seeing an alarming number of what we call staged accidents,” said Joe Wehrle, NICB president and chief executive officer. “These are crashes that are made to look like accidents, but in reality are carefully orchestrated scenarios aimed at collecting medical and vehicle damage payments from insurers. The simple truth is they are expensive and dangerous. We are working with our member insurance companies and law enforcement partners to put the people that commit these crimes behind bars.”
To view Multimedia News Release, go to http://multivu.prnewswire.com/mnr/nicb/43814/
Today Barclaycard US, the payments business of Barclays in the United States, announced the launch of the #IHAVEARRIVED Travel Community contest, hosted by Barclaycard Arrival™ MasterCard®. Travel enthusiasts and Barclaycard Arrival cardmembers are invited to join the Barclaycard Travel Community to share their #IHAVEARRIVED travel moment. Barclaycard Arrival cardmembers who enter, have the opportunity to win an exclusive grand prize trip for two to the 58th Annual GRAMMY Awards® in February 2016. Community members who are not Barclaycard Arrival cardmembers have an opportunity to choose between two grand prize options: a West Coast VIP trip for two to Napa Valley, California or an East Coast VIP trip for two to New York City.
“Since launching in 2013, Barclaycard Arrival continues to be recognized by industry experts as the go-to travel card,” said Maurice Ragland, vice president of branded cards. “We make it easy for cardmembers to have once-in-a-lifetime adventures by offering the industry’s best travel rewards program. What better way to showcase these moments than through the #IHAVEARRIVED campaign.”
Travel enthusiasts across the country are encouraged to share memorable travel stories from October 28 through November 22 in the Barclaycard Travel Community. Entries must include a short description and photo of the travel experience. Entries will be judged on originality, creativity, writing and photography.
To view the multimedia release go to:
http://www.multivu.com/players/English/7671251-barclaycard-ihavearrived-launch/
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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
Ukraine’s PrivatBank has released a conceptual video showing how the bank’s mobile applications will be used in the nearest future after the launch of Google Glass.
The video shows how Google Glass will be used to pay bills by taking pictures of them, transfer money by giving voice commands, withdraw money or pay for purchases by reading QR codes, and even refuel.
PrivatBank explains that it has created numerous mobile applications which already can be used to do what is shown in the video.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/61903-privatbank-google-glass-mobile-app
Pinnacle Entertainment, Inc. (NYSE: PNK) today announced it is reshaping casino industry rewards with the re-launch of its mychoice™ guest loyalty program. The new mychoice offers guests the opportunity to earn annual lease payments on Mercedes-Benz vehicles, cruises on Royal Caribbean International® and stays at Wynn Las Vegas and Encore, two of Las Vegas’ premier resort properties, through an innovative cross-marketing agreement with Wynn Las Vegas, LLC.
To view Multimedia News Release, go to http://multivu.prnewswire.com/mnr/pinnacle/48881/
