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
Summer is here, and that means it’s the perfect time to fire up the barbecue and turn outdoor patios and decks into nightly dining rooms. But with all the choices summer brings, finding the perfect and unique grill-able dish and beverage pairing can be overwhelming.
It’s all about remembering the rules of the game, says three-time James Beard winning Seattle Chef and Restaurant Owner Tom Douglas.
“Grilling is a sport,” he said. “It’s all about remembering your rules, creating dishes that are guaranteed to please and being the best grill-master in your neighborhood.”
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7409451-tom-douglas-summer-grilling/
Summertime means vacation time – but, with unpredictable weather patterns, fluctuating gas prices and increasing costs, Americans nationwide are concerned about getting away. Our national travel expert has some great trips on how to survive summer travel – he/she will cover everything from how to get the best deals to planning a vacation suitable for the whole family.
Some of the unique and useful tips Amy can offer are:
• Travel trends: Travelling to destinations during their peak seasons can drive prices up. Visiting during off-peak times can help save money and you’ll have easier access to activities than at busier times of the year.
• Get organized: Planning a fun and successful trip means, setting a budget, researching, and booking early! Shop around to find transportation and accommodations that suit your needs and your budget.
• Get Your Ride Ready: If you’re hitting the open road, make sure any maintenance you need to have done on your vehicle is taken care of including checking your vital fluids, tires, and headlights and break lights.
• First Aid Kit: Make a little room in your luggage for a travel first aid kit. It won’t cost much, and it won’t take up much space but it can certainly come in handy.
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
Deception and revenge abound when a high profile murder investigation begins to spin out of control. For Detective Jason Scarsdale and analyst Dani Mueller, the consequences of failure are unimaginable. When his daughter is abducted by the killer, Scarsdale is forced to rethink the value of playing by the rules. Learn more about this book at http://www.alanbrenham.com Thriller
Vi knows the Rule: Girls don’t walk with boys, and they never even think about kissing them. But no one makes Vi want to break the Rules more than Zenn. The Thinkers may have brainwashed the rest of the population, but Vi is determined to think for herself. Learn about the book here, http://bit.ly/nZTOhm Learn about this author here, http://elanajohnson.blogspot.com/ Teen dystopian
Planet Battle: The battle returns to Hong Kong with its brutal No Rules mixed martial arts. June 4th at the Queen Elizabeth Theatre, Wan Chai, Hong Kong All you need to know @ http://www.planet-battle.com/
The National Mining Association (NMA) called on policymakers to reject an ill-conceived administration proposal that would jeopardize America’s electric grid and threaten the economic well-being of consumers and businesses. Recently, the Environmental Protection Agency’s (EPA) proposed aggressive guidelines for regulating greenhouse gas emissions from existing coal-based power plants that generate 40 percent of the nation’s electricity and which will raise the cost of electricity for all Americans, according to NMA.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7221751-national-mining-association-affordable-reliable-electricity/
Read the amazing Night World series by L. J. Smith, author of The Vampire Diaries and Dark Visions. Vampires, werewolves, witches, and shapeshifters all live among us. Night World is their secret society, one with very strict rules. And falling in love breaks all the laws of the Night World. Night World Series L.J. Smith Book Trailer
Find out more about this author and book here http://tinyurl.com/LJSmithNightWorldSeries YA
New proposed regulations from the Obama administration will force power plants to abandon the use of coal, the largest source of the nation’s electricity, resulting in higher utility bills for households and businesses and lost opportunities for responsibly reducing greenhouse gas emissions, the National Mining Association (NMA) said today.
To view Multimedia News Release, go to http://www.multivu.com/mnr/63063-national-mining-association-nma-epa-new-source-performance-standard
