Only twenty nine percent of Hispanics who rent their homes report having renters insurance, according to a new survey by State Farm. In fact, among respondents without renters insurance more than one third (34%) said they had never heard of renters insurance. Further, most overestimated the cost of coverage and underestimated the value of their property. Not having renters insurance could leave Hispanic families vulnerable to a financial catastrophe especially during the holiday season.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/72928515-state-farm-hispanic-renters-survey/
More @ http://www.failfunnies.com
When some decide to use gasoline to incinerate some loose brush, it will only spell fail. Check out how these bunch of reds find out that its important to not leave a trail of fuel where you strike a match! Doh. If your still bored, check out/add my profile/videos if you like 'fails' or are into that sort of thing.
After revolutionizing the Human Capital Management software market with NFC and GPS based Attendance Management System, Ramco Systems has announced the launch of SMS based Employee Self Service (ESS). Designed and developed as part of Ramco’s Mobility offerings, this new feature will help ESS users of Ramco HCM to apply leave, raise queries and perform transactions, all via a text message. Organisations on the other hand can use this feature to send company-wide communication by SMS.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7414551-ramco-inclusive-computing-sms/
Raavan is an original film work presented by the cinematic tour de force that is director Mani Ratnam (Dil Se, Bombay), Academy Award Winner and music maestro A.R Rahman (Slumdog Millionaire), and Indian cinema royalty and off-screen couple Aishwarya Rai and Abhishek Bachchan who reunite following the critically acclaimed Guru. Mani Ratnam's milestone adaptation of the ancient Sanskrit epic, The Ramayana, is equally relevant to contemporary society. A thought-provoking film which is sure to leave audiences questioning the core values of the human condition, Raavan; will stay with you long after the film's credits roll. You surely wouldn't want to miss this action packed movie of the year. So stay tuned & get latest updates & behind the scene action of your favourite movie.
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 bond between pets and their owners is unbreakable, but the lack of pet-friendly housing options for domestic violence victims often leaves them with a heartbreaking decision – endure abuse in order to stay with their beloved pet, or leave their pet behind. It is a decision that no pet owner should have to make, which is why RedRover and Purina are joining forces to introduce the Purple Leash Project. This project will empower more domestic violence shelters across the United States to become pet-friendly, so domestic abuse victims can escape with their pets and begin to heal together as survivors.
To view the multimedia release go to:
https://www.multivu.com/players/English/8495251-purina-purple-leash-project-redrover-domestic-violence-shelter-pets/
Those yearning for an early taste of spring are in for a real-brewed delight. Pure Leaf announced today the launch of Pure Leaf Herbal Iced Teas, a new line of premium iced teas that are caffeine free, have no artificial sweeteners and are brewed with real hibiscus flowers. Leave it to the Pure Leaf tea masters to develop this unique, flavor forward blend that’s also trend setting. In fact, hibiscus was recently named 2019 “Flavor of the Year” by flavor experts at Firmenich.
With its vibrant color and petals, the Insta-worthy hibiscus flower has been popping up in fashion, food, beauty and now, bottled iced tea. Hibiscus is in full bloom with Pure Leaf’s newest line up that looks as good as it tastes.
To view the multimedia release go to:
https://www.multivu.com/players/English/8479051-pure-leaf-new-herbal-iced-teas-hibiscus/
Getting ready to meet with a prospective employer? Leave your cat suit, pajamas and crazy hat at home. In a recent survey, OfficeTeam asked human resources (HR) managers to recount the strangest interview outfits they had heard of or seen.
To view Multimedia News Release, go to http://multivu.prnewswire.com/mnr/roberthalf/45118/
Kaplan University nursing alum Debra Eppley was already working in the nursing field when she started her RN-to-Bachelor of Science in Nursing completion program (RN-to-BSN program). Kaplan University’s flexibility and support offered her the opportunity to complete her degree online while continuing to work. Once she completed her Bachelor of Science Nursing online, she was able to make a career move that not only increased her salary, but also her level of job satisfaction.
Kaplan University makes taking online nursing classes a streamlined process. Every day nurses choose Kaplan University for their online master’s degree programs. The distance learning curriculum makes a nursing degree obtainable for working professionals. Nursing as a career is a rewarding occupation that could allow for a wide range of employment opportunities beyond the hospital doors.* The Kaplan University School of Nursing offers online nursing degrees such as an the RN-to- BSN completion program, the RN-to-MSN option, and nurse practitioner certificate programs† to help get you where you want to be. Nursing programs at Kaplan University, including the MSN programs online, are designed for nurses that are already in the field. It’s this unique approach that sets Kaplan University apart.
*Kaplan University's programs are designed to prepare graduates to pursue employment in their field of study, or in related fields. However, the University does not guarantee that graduates will be placed in any particular job, eligible for job advancement opportunities, or employed at all. Additional training or certification may be required.
† At this time, the nurse practitioner certificates are available only in the following states: California, Connecticut, Delaware, Florida, Iowa, Michigan, Mississippi, Montana, Oklahoma, Rhode Island, South Carolina, South Dakota, and Vermont.
“I got out of high school and started working. I had a family very young. About the time I was 28 I decided I needed to go to school. I went and got my associate’s degree in nursing at that time. I had worked in labor and delivery, and that’s my niche. I like it–I like babies, I like seeing families with their babies. Then I thought, I love floor nursing but there was something else I wanted to do.
We are in Coshocton, Ohio, which is very near to the heart of Amish country. I just needed to step out and do something else for myself. What I thought I would like to do required a bachelor’s degree and so I started looking down that road. I had kind of shopped around on the net looking for every last online class. You’re looking at price, you’re looking at length, you’re looking at what kind of clinical requirements are there–especially for me in nursing. I just started weeding and narrowing it down and I kept coming back to Kaplan University because it seemed to fit what I wanted to do at that time.
I enrolled to start my bachelor’s degree. There were times when I thought I was going to quit–family life is too much, work is too much, school is too much. I thought, no wasn’t an option. But of course that thought of having that extra two year degree bumps that salary up immensely. I was also thinking, ‘I’m going to have four kids I have to put through college, because now I’m encouraging them to go to college so I need to find a way to help them pay for that, too.
Financially going back to school was a huge plus. This January the head of OB at the time decided to leave her position, and it was open. They posted the job and I debated long and hard because I thought, ‘It’s too soon,’ ‘I can’t be there yet,’ and after much coaxing from a few of my coworkers, my husband, and my mother, I went ahead and I applied for the job and they hired me.
I started the end of March; I am now the OB coordinator, so I manage the whole OB department. It’s just a huge feeling of pride. My Kaplan [University] experience was fantastic. They just want to see you succeed and they want to help you get there. You have a job, you have a
