Picture this: You’re at the top of your game. Your career has been a success. You’ve earned awards and recognition for your work. Everything you’ve put into your business can carry you on to a happy, fulfilling retirement.
But you have an itch of an idea. And you want to scratch it. Meet Shaun Silva, a successful entrepreneur, who saw an opportunity to branch out his business and built a team to help him accomplish it.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/7100752-northwestern-mutual-forward-thinking-shaun-silva-new-plan
This Veterans Day, dozens of senior veterans coast to coast are sharing life lessons learned in service through a project spearheaded by Watermark Retirement Communities, one of the nation’s leading operators of senior living communities. Watermark is giving senior veterans the opportunity to share with younger generations essential life lessons they learned – the hard way – so that others may learn from, and aspire to, their examples.
To view Multimedia News Release, go to http://multivu.prnewswire.com/mnr/watermark/46812/
Playing the harmonica, dancing, bowling: For Brookdale Senior Living resident Dorothy Plummer, these longtime passions bring purpose as well as pleasure to daily life. What may be surprising is that Plummer is not only 103 – she is living with dementia. Plummer embodies Brookdale’s mission of person-centered care, which focuses on sustaining individual interests and daily routines to give meaning to each person’s life. As part of National Alzheimer’s Disease Awareness Month, Brookdale is offering a free downloadable journal to help others with dementia look for ways to live life to the fullest.
“When people hear someone has Alzheimer’s, the label of the disease can unfortunately replace who the person is,” said Juliet Holt Klinger, senior director of dementia care for Brookdale. “Their life becomes shaped by the diagnosis. The things they love to do may be taken away when they don’t need to be. This can cause disengagement, potentially leading to depression, isolation, loss of appetite, weight loss, and even falls.”
To view the multimedia release go to:
https://www.multivu.com/players/English/7722151-brookdale-senior-living-alzheimers-awareness/
http://baberuthautographedbaseball.org/roger-clemens-autographed-baseballs/
I began this analysis of Roger Clemens fairly certain what it would tell me. Roger is more than forty, he keeps coming out of retirement, his team isn
http://www.retireright.co.uk/ Retire Right offer independent specialist retirement advice. Helping you get the most income from your pension with the best annuity rates.
A new survey says Americans’ confidence in their ability to afford a comfortable retirement remains at historically low levels in the face of job uncertainty and financial insecurity.
The 2012 annual Retirement Confidence Survey, released today by the nonpartisan Employee Benefit Research Institute (EBRI) in Washington, and co-sponsored by the Principal Financial Group, finds only 14 percent of Americans are very confident they will have enough money to live comfortably in retirement¹. Workers with the most debt have the least confidence.
To view Multimedia News Release, go to http://www.multivu.com/mnr/54549-principal-financial-group-retirement-confidence-survey-job-insecurity-ebri
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
Despite signs of economic recovery, a new survey says Americans’ confidence in their ability to afford a comfortable retirement remains at historic lows as workers appear to be grasping the realities of what they need to save.
The 2013 annual Retirement Confidence Survey, released today by the nonpartisan Employee Benefit Research Institute (EBRI) in Washington, and co-sponsored by the Principal Financial Group®, finds overall confidence levels are essentially unchanged since the record lows set in 2011. Only 13 percent are very confident they will have enough money for a comfortable retirement. A full 28 percent1— the highest number recorded during the 23 years of the survey—are not at all confident.
To view Multimedia News Release, go to http://www.multivu.com/mnr/60106-principal-financial-group-ebri-retirement-savings-confidence-survey
The traditional concept of retirement is being rejected by a new breed of wealthy workers who want to carry on working for as long as they are able, says Barclays Wealth in its latest Insights report, The Age Illusion: How the Wealthy are Redefining Their Retirement.
60% of UK wealthy individuals polled in the survey say that they plan to become a Nevertiree, shunning traditional retirement and instead continuing to work, start businesses and take on new projects in their later years.
To view Multimedia News Release, go to http://multivu.prnewswire.com/mnr/prne/barclayswealth/46278/
Bestselling author Andrew Peterson is back with a heart-stopping fourth installment of his wildly popular Nathan McBride series. “Equal parts Stephen Hunter and Thomas Harris. Imagine Bob Lee Swagger going after Hannibal Lecter and you will have only scratched the surface of this intensely exciting novel. Forced To Kill will haunt you long after you read its last brilliantly plotted page.”- Brad Thor, #1 New York Times bestselling author. Nathan McBride is a trained Marine scout sniper and CIA operations officer, pulled out of retirement when things get dangerous and complicated. Find out more at http://www.AndrewPeterson.com Thriller
http://bit.ly/SteveTheRobot Meet Steve the Robot. Steve is sad because he is made up of old technology. He is being replaced by the shiny new high definition technology of the i-Can Easy HD Freeview box. Steve is sad to be replaced by HD, but glad that he can enjoy his retirement watching more free-to-air channels, as well as the potential to add premium sport or movie channels.
Steve also hopes that if he tries really hard, one day he too could be as popular as the i-Can Easy HD. http://bit.ly/SteveTheRobot
