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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
http://www.mascari.co.uk This is a unique contemporary kitchen designed by Mascari. Both British in design and manufacture with quality that matches any German kitchen. Bespoke kitchens really do make a massive difference not just to your home but also to the way you live as they become the hub of your home for eating and entertaining. The biggest thing you will notice with Mascari Vertex is the appliance bank is concealed behind smooth sliding doors this gives the kitchen maximum performance with a minimalist look. Please visit our website to see more. http://www.mascari.co.uk
The all-new HGTV.com is the ultimate online destination for anyone who loves making their home a better place to live. The site’s marquee feature is the HGTV Photo Library, a new curated resource that serves up livable design inspiration with stunning room photos.
To view the Multimedia News Resource, go to: http://www.multivu.com/players/English/7355851-hgtv-unveils-reimagined-home-and-lifestyle-online-portal-photo-library-debut/
L’Oréal announced the winners of its International Awards for Social Responsibility in Dermatology, “Caring to Inspire Skin Confidence” at the 23rd World Congress of Dermatology taking place in Vancouver, Canada.
Dr. Ksenia Sorokina from Russia
A healthy child means a healthy family- Targeting prevention of dermatitis and adherence to treatment
This project consists of providing training workshops for parents and children with chronic skin diseases and developing the first ever website to allow patients living in remote areas of the Russian Federation to access a consultation with a dermatologist, as well as attend online training seminars for people presenting chronic dermatitis and to increase adherence to therapy for patients as well as their parents, within four Russian territories.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7554651-loreal-announces-2015-awardees/
This season, the House of Givenchy, under the initiative of Artistic Director Riccardo Tisci, is bringing an exceptional collection to New York, as the city represents the capital of the American dream for the designer and for the founder Hubert de Givenchy, who were both supported from the very beginning by the American market.
On September 11th 2015, New York hosted a performance show dedicated to love and sharing. With a décor of recycled materials installed on the banks of the Hudson in Tribeca, there was an unprecedented audience in attendance: professionals from the fashion world rubbed shoulders with celebrities, fashion-school students, winners of a competition organized in partnership with the city, and local residents from the neighbourhood.
The website givenchy.com and giant screens installed across the city, from Soho to Times Square, also broadcast the show live, while advertising buses made their way across the Bronx, Harlem, and Queens inviting a wide a number as possible to follow the event.
With Marina Abramović, a friend of the House and co-author of numerous artistic projects, Riccardo Tisci created a performance which reached beyond the scope of fashion. Designed to be an emotional experience focusing on universal themes (love, peace, freedom, humility, spirituality), it notably put the spotlight on four artists who performed spiritual and cultural chants from across the world. True to form, Marina Abramović also invited seven artists to host live performances on the show's location.
To view the multimedia release go to:
http://www.multivu.com/players/uk/7621751-givenchy-riccardo-tisci-new-york-city/
Jesse and Yvonne of Take Berlin dropped by the warehouse for a chilled-out take on "Vermona" off the duo's Lionize EP. After packing up the guitar and Wurlitzer, the pair is off to Europe for a late-winter tour. If you're stuck stateside, catch up with their WILD Profile and grab the EP on our website.
The best hybrids give you the best of both worlds: some zero-emission motoring, as well as greater range for longer journeys
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Welcome! Auto Trader is the UK’s biggest, best and most trusted car buying website, and our YouTube channel will help make finding your dream vehicle easier than ever.
Every week, we’ll present the latest new car reviews, covering everything from supercars to family estates. Our motoring experts have more than 75 years of testing experience between them, and their jargon-free verdicts cover real-world practicality, recommended specifications and reveal the real cost of ownership. Every video review is even complimented by a full written report on AutoTrader.co.uk.
But don’t just take our word for it; every month, we’ll ask some of Britain’s most passionate petrolheads to share their owner reviews. Factor in tutorials, used car guides, plus bonus motorcycle and van reviews and we have all your motoring needs covered.
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After analyzing millions of Internet visits and interviewing scores of consumers, Brookdale Senior Living has built a new website based on fresh insights into what’s most important to families searching for senior care. The first phase, which is a $4 million investment, went live on brookdale.com mid-August.
“With Brookdale’s website attracting more than 500,000 visits every month, it’s imperative to make it as useful to consumers as possible,” said David Cygan, Brookdale’s senior vice president of marketing. “As the nation’s largest senior living provider, we know our website is a primary source of information, with many people coming to us first as they embark on this journey,” Cygan said. “It’s important that we offer substantive resources that make it easier to find help in evaluating senior care options.” More than 80 percent of adult children turn to the Internet when they look for care for an aging parent, according to the company’s research.
To view the multimedia release go to:
http://www.multivu.com/players/English/7722159-new-brookdale-senior-living-website/
Today, GENYOUth announced the launch of Fuel Up to Play 60 en español, an evolution of its national flagship program. The program encourages Spanish-speaking communities nationwide to live healthier lifestyles through good nutrition and physical activity. Fuel Up to Play 60 launched a redesigned website (FuelUpToPlay60.com) that provides Spanish-language content and materials, extending the reach and access of the program to students, teachers and families across the country. Several organizations have supported the effort, including the PepsiCo Foundation, which has provided a previously announced grant of $550,000 to develop Spanish-language materials and resources. In addition the PepsiCo Foundation will provide another $100,000 for mini-grants for health and wellness activities and programming within Los Angeles Unified School District and Miami-Dade County Public Schools.
Fuel Up to Play 60, a program founded by the National Football League (NFL) and National Dairy Council (NDC), is designed to engage and empower youth to take action for their own health by implementing long-term, positive nutrition and physical activity changes for themselves, their schools and their communities. Studies show that physical fitness may benefit brain health and academic performance, suggesting active kids may do better. However, only 1 in 3 kids are active every day, potentially leaving many at a disadvantage inside and outside of the classroom.
To view the multimedia release go to:
http://www.multivu.com/players/English/7646551-fuel-up-to-play-60/
Chase Card Services, a division of JPMorgan Chase & Co. [NYSE: JPM], today announced the launch of the new Chase Ultimate RewardsSM website developed to meet the changing needs of Chase cardholders and deliver a more personalized experience. According to a recent survey Chase conducted in partnership with Mercator Advisory Group, 35 percent of consumers surveyed ranked an attractive rewards program ahead of other factors like interest rates and credit line when selecting which credit card to use most. Additionally, the survey found that 55 percent of consumers surveyed said that, as a rule, they try to use a credit card with rewards that are relevant to them.
To view the Multimedia News Release, go to: http://www.multivu.com/players/English/7328251-chase-launches-new-website-offering-enhanced-personalized-rewards/
