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
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SunPower (NASDAQ:SPWR) has once again raised the bar by introducing the highest-power solar panels available today for the residential market. In the United States, the company has launched its Next Generation Technology home solar panel called A-Series, delivering 400 and 415 watts of power. In Europe and Australia, homeowners can also now order a 400-watt solar panel from SunPower called Maxeon® 3. Each is the first home solar panel to deliver more than 400 watts in its region and is designed to deliver 60 percent more energy in the same amount of roof space over the first 25 years compared to conventional solar.
“SunPower is introducing the world’s first 400-watt residential solar panels as most in the industry are just crossing the 300-watt threshold for home solar,” said Jeff Waters, CEO of the SunPower Technologies business unit. “Our record-breaking cell technology and innovative research and development efforts have enabled us to fit more power capacity on rooftops than we ever have before. Our growing panel portfolio is delivering unprecedented value across global markets that goes unmatched by any other residential solar technology currently available.”
To view the multimedia release go to:
https://www.multivu.com/players/English/8252054-sunpower-a-series-next-gen-solar-panels/
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The 6th Beijing Biennale under the theme of “Memory and Dream”, co-sponsored by the China Federation of Literary and Art Circles, the People’s Government of Beijing Municipality and the China Artists Association is expected to be exhibited in the National Art Museum of China from Sep.24 to Oct.15, 2015. The exhibition attracted 685 pieces of artwork from 96 countries which registered half of the member countries of the United Nations, covering contemporary paintings, sculptures, installations, videos and mixed media (with 188 pieces of artwork from China and 497 pieces of artwork from foreign countries).
Artists from all over the world were encouraged to create paintings and sculptures related to the theme “Memory and Dream”. The International Art Gala with unprecedented size of participating countries provides a high standard visual feast for all art lovers from all over the world. Beijing Biennale serves as a platform to demonstrate historical and cultural memories of different countries and express humankind’s expectation and aspiration for the future by means of art. Following the opening ceremony, the Beijing Biennale has become the focus of audiences and media with the daily volume registered at 7000. It is expected that during the Golden Week of the National Holiday, the audiences per day will amount to more than 10,000.
To view the multimedia release go to:
http://www.multivu.com/players/English/7644351-beijing-biennale-memory-and-dream/
Living Off the Grid - http://www.thriveoffthegrid.com/ - See how others are living offgrid using the advantages of wind and solar energy plus more for off grid power and ...
Living off the grid you must take advantage of renewable energy. This renewable resource originates from several sources, consisting of sun, wind and water, to start with ...
Researchers are constantly on the lookout for more ways of making green energy. Here are the 2 types you must understand now.
Living off the Grid: - Advantages of Solar Power
i. The energy that originates from simply one hour of sun suffices to supply energy for a year for the whole world
ii. A battery can be used to store off grid solar power for evenings and cloudy days
iii. Solar panels on a roof work when the sun's rays strike the cells in the panel and electrons are released, producing energy
iv. Using solar power will typically provide a saving of $100+ each month on utility costs for the property owners of off grid homes .
Living off the Grid: - Advantages of Wind Energy
i. When wind goes through the blades of a turbine that is connected to a generator, the energy produced by the spin is converted into electrical energy
ii. A single large wind turbine can provide electricity for around 500 off grid homes
iii. Last year, 42 % of the houses that were geared up with a source of off grid power used wind
iv. Unlike most other sources of energy, wind utilizes hardly any water; not only is wind energy carbon neutral, it helps water conservation also
v. There is around 10 times the amount of wind available in the U.S. than is needed to supply power for the whole country
vi. Wind energy is presently the fastest-growing source of renewable energy: - Around two wind farms are set up weekly in the U.S.
For living off the grid, the facts indicate that the advantages of solar power combined with the advantages of wind energy now exceed any advantages that fossil fuels may have had. However it is probably down to individuals to begin the shift to a larger scale adoption, so that we may all enjoy living off the grid.
A new solar power system is installed in the United States every 1.6 minutes, according to the Solar Energy Industries Association (SEIA). With the number of residential solar installations expected to increase this year by 35 percent according to GTM Research, more consumers will have an opportunity to choose the best solar solution for their home, saving on electricity bills while generating clean energy. Offering a record-setting, proven solar power solution, SunPower reminds homeowners that better solar technology exists and is accessible today.
“Solar technology differs widely from brand to brand, so it’s important for consumers to consider that not all panels deliver the same amount of energy, look elegant on a roof, or are guaranteed to last as long as promised,” said Howard Wenger, SunPower president, business units. “SunPower® panels are the most efficient that homeowners can buy, and we stand behind them for a quarter century. We’re proud to hold the world-record title for efficiency.”
To view the multimedia release go to:
http://www.multivu.com/players/English/7706151-sunpower-residential-solar-panel/
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Benefits of Lemon for Reducing Belly Fat Drinking lemon provides a plethora of benefits. This includes losing stomach fat. A recent study shows that people who drink lemon juice before bedtime reduce their body fat mass. It also improves their lipid profile.
To make this bedtime drink taste more effective and better, you can combine lemon with a pitcher of water and other fresh fruits.
Also, a little amount of honey can make a huge difference. Benefits of Cucumber for Reducing Belly Fat For a healthy and flavorful bedtime drink, a bottle of fresh cucumber juice is perfect. If the blend is too strong, add enough amount of water. You can also squeeze some lemons and grate ginger to make this drink tastier.
https://www.youtube.com/watch?v=itoDArHkywA
The holiday season is officially underway, and with sleigh bells, carols, décor and more, comes festive holiday get-togethers. No matter the occasion, it’s all about the food, drinks, and of course, the fun! However, it can be challenging to contribute something that truly stands out in the crowd. The key to quick and easy holiday entertaining is likely already in your pantry: California Ripe Olives.
Mild, buttery and delicious, California Ripe Olives are right at home on the holiday menu – from libations to light bites and even the desert table, too.
Cocktails are often at the center of holiday get-togethers, and for elegant celebrations, Freda’s Martini is a great choice. Named for Freda Ehmann, who developed the curing process for California Ripe Olives in the 1800s, this cocktail is classically delicious with just the right amount of pizazz. Or, to liven up the New Year’s Day celebration brunch menu serve up a California Mary or two, in honor of National Bloody Mary Day. Horseradish, spicy green beans and California Ripe Olives, are just a few ingredients that come together to kick-off a great year ahead.
To view the multimedia release go to:
https://www.multivu.com/players/English/8049752-california-ripe-olives-light-bites-and-libations/
Ninety percent of kids don’t eat the recommended amount of veggies each day and summer is an ideal time to try a new approach. Nickelodeon’s Sam & Cat star Jennette McCurdy is on a mission to put the play back on the plate. She’s teamed up with Birds Eye Vegetables for a multi-week challenge for families to seize the fun and Rewrite the Dinnertime Rules leading up Nickelodeon’s 10th annual Worldwide Day of Play this fall.
To view the Multimedia News Release, go to http://www.multivu.com/mnr/62540-birds-eye-and-nickelodeon-star-jennette-mccurdy-help-kids-eat-healthier
Just like people, dogs have their good days and bad days but for the 4.7 million dog bite victims each year, a dogs’ bad day can result in serious injury or even death. In 2012, State Farm® had 3,670 dog bite claims and paid more than $108 million as a result of dog bites. This is a slight decrease compared to the number of dog bite claims in 2011 (3,750 claims) and a slight decrease in the amount paid as a result of dog bite claims in 2011 ($109 million).
To view Multimedia News Release, go to http://www.multivu.com/mnr/56916-state-farm-usps-avma-national-dog-bite-prevention-week
Snap those selfies, head to the mountains, and don’t break the bank. Those are just three insights into how deeper vacation memories are formed from a first-of-its-kind study released today by the world leader in vacation rentals, HomeAway®.
The unprecedented examination of more than 700 summer vacationers found that those who take photographs and selfies remember their vacations 40 percent better than their less snap-happy counterparts. That said, there are limits: Those who spent more than two hours using phones and other devices were 26 percent less likely to remember vacation details. Perhaps most surprisingly, the study revealed that the amount of money spent on a vacation has no effect on its memorability, among numerous other actionable findings.
To view the multimedia release go to:
http://www.multivu.com/players/English/7978351-homeaway-vacation-memories-university-of-texas-study/
