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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

JNA (Jewellery News Asia), the organiser of the prestigious JNA Awards, has announced the much-anticipated list of Honourees across 14 categories for its third edition. A total of 29 companies from 10 countries/regions have been shortlisted. The event is supported by Headline Partners Rio Tinto Diamonds and Chow Tai Fook, together with Honoured Partners Diarough Group, Gubelin Group, Israel Diamond Institute, KARP Group, Paspaley Pearling Company and Shanghai Diamond Exchange. To view the Multimedia News Release, go to http://www.multivu.com/players/English/7250751-jna-awards-2014-honourees-announced/

AARP’s ‘Random Acts of Kindness for Caregivers’ contest is underway. The contest encourages people of all ages to recognize and reward family caregivers in their lives in small but meaningful ways, especially during National Family Caregivers Month in November. Many family caregivers spend 18 hours per week or more providing care like bathing, dressing, preparing meals, administering medications, driving to doctor visits, or paying bills. Sixty percent of caregivers are helping care for a loved one while holding down a job at the same time. ‘Random Acts of Kindness for Caregivers’ might be something as simple as doing a caregiver’s grocery shopping, taking their dog for a walk, or even cutting the lawn. “I’ve been a family caregiver my entire adult life and I know that unexpected kindness can go a long way for a caregiver,” says AARP Family and Caregiving Expert Amy Goyer, author of the new book Juggling Life, Work, and Caregiving. “If you are not one of the 40 million caregivers in the U.S. now, you either have been a caregiver or will be one in the future.” To view the multimedia release go to: http://www.multivu.com/players/English/7607231-aarp-caregivers/

STOUFFER’S FIT KITCHEN, creator of protein-packed, premium-quality frozen meals, once again teamed up with baseball stars Kris Bryant of Chicago and Kansas City’s Mike Moustakas to host the Fit City Takeover, an interactive day of fun that celebrated all the ways people incorporate fitness into their everyday lives. STOUFFER’S FIT KITCHEN took over Phoenix elevating one of America’s favorite pastimes, recreational softball, surprising Arizona State University students with guest coaches for the day – Kris Bryant and Mike Moustakas. Two intramural teams took their game a step closer to the big leagues as Bryant and Moustakas went head to head in a friendly rivalry, sharing advice with the collegiate teams and showing fans everyone has a different way of staying fit. The Fit City takeover, also included a never-before-seen Fit City Course that was modeled after an actual city, featuring obstacles like a skyscraper climbing wall and stationary bike that lights up the Fit City course. After exhausting all of their energy during the softball game and taking on the Fit City Course, fans had the opportunity to try the different fit feats and fuel up on free STOUFFER’S FIT KITCHEN samples to get a taste of the meals Moustakas and Bryant have been enjoying this off-season. To view the multimedia release go to: http://www.multivu.com/players/English/7812251-stouffers-fit-kitchen-bryant-moustakas/

Click: http://www.starrcarrington.com/ Marc Starr & Eric Carrington, are a musician production team out of Pittsbugh, Pennsylvania. This is their first world wide debut "Bedroom Eyes". Marc Starr is a Teenager who's been involved with music and modeling throughout his life. He loves music, gaming, cars and dating and lets not forget his Fedoras. Eric Carrington is a musician and composer/producer who loves music works behind the scenes. Starr Carrington shares their excitment about Bedroom Eyes and believes that you will like it, and maybe love it! They are currently working on the "Bedroom Eyes" music video and a EP/Album. "Bedroom Eyes" is released on their own independent label Billion Records.

Epson America, Inc. today introduced the FastFoto™ FF-640 high-speed photo scanning system poised to change the way people preserve and share the billions of photos tucked away in attics, basements, garages, and closets. An innovative alternative to flatbed scanners and costly third-party scan services, FastFoto can scan photos as fast as one photo per second and easily restores faded photos to their original color to share with family and friends via the cloud and on social media, like Facebook® and Instagram™. “Whether it’s for a Throwback Thursday, a photo slideshow for graduation, a wedding, or another life event, before today, digitizing photographs with a flatbed scanner or scanning service has been a time consuming and expensive task,” said Larry Trevarthen, director, Commercial Printing and Scanning, Epson America, Inc. “Scanning shoeboxes of photos on a flatbed scanner can take hundreds of hours, and sending photos out to a scanning service is pricey and puts irreplaceable photos at risk of being lost or damaged. FastFoto offers a fast, easy and affordable solution for preserving a family’s legacy.” To view the multimedia release go to: http://www.multivu.com/players/English/7820753-epson-fastfoto-worlds-fastest-photo-scanner/

Cole Haan, the iconic American lifestyle brand and retailer, is excited to announce their partnership with three extraordinary stylists – Karla Welch, Simone Harouche, and Erin Walsh – to collaborate on a one-of-a-kind limited-edition collection for Fall 2018. These three renowned stylists brought a unique and specialized purview to six iconic Cole Haan silhouettes, through which a final collection of 16 stunning designs were created. Karla Welch, applied her design aesthetic which blends modern minimalism, structured sophistication and effortless cool in the customization and design of each silhouette to create a chic capsule featuring the Vesta pump - a favorite style that transitions seamlessly from day to night. Erin Walsh, known for bringing an elegant editor’s eye to every look, used the Vesta pump as a foundation to integrate the whimsical style she’s famous for. Finally, Simone Harouche, a stylist who has been credited with creating some of pop culture’s most iconic looks, worked with Cole Haan to re-imagine the GrandExpløre All-Terrain Hiker. To view the multimedia release go to: https://www.multivu.com/players/English/8393051-cole-haan-fall-2018-collaboration-celebrity-stylists/

In an agreement announced today at Chicagoland Speedway, Aspen Dental Management, Inc. (ADMI) has extended its partnership with Danica Patrick and Stewart Haas Racing (SHR), doubling the number of races in which Aspen Dental serves as primary sponsor. The deal means that Patrick will be behind the wheel of the blue-and-white No. 10 Aspen Dental Chevrolet SS for four races annually beginning with the 2016 NASCAR Sprint Cup Series season, with associate sponsorship status for Patrick in all other Sprint Cup races. “Working with Aspen Dental dentists has been a real pleasure,” Patrick said. “I love partnering with organizations that care about people, and teaming up with an organization that has such an important mission – breaking down barriers and helping patients get the dental care they need – is very rewarding. Aspen Dental dentists raise awareness about the importance of oral health every day, and I look forward to shining a spotlight on the great work they do.” Aspen Dental practices are one of the largest and fastest-growing networks of independent dental care providers in the United States, with more than 500 locations across 32 states. In the past two years, Patrick has served as an ambassador for Aspen Dental practices across a multitude of channels, from launching Aspen Dental’s Healthy Mouth Movement, a community-giving initiative to deliver free dental care and oral health education to people in need, to appearing in A Taste of the Future, a hidden camera video designed to raise awareness about the long-term consequences of delaying dental care. To view the multimedia release go to: http://www.multivu.com/players/English/7629351-aspen-dental-shr-partnership/

Imagine looking outside your home window and seeing a group of deer partying in your swimming pool or, in a twist on the Goldilocks children’s story, you found a bear has broken into your home and has been tasting the food left in your refrigerator? Scenarios similar to this are the basis of a new ad campaign launched by Farmers Insurance®, one of the nation’s largest insurer groups. The company’s new, We Know From Experience, advertising campaign kicks off today with two television spots and a new interactive website that humorously convey to consumers that Farmers, over its 87 year history, has helped customers recover from some of the most unique --- yet very real --- claims. “The amazingly unlikely events we’ll be featuring in our new campaign are based on real claims experienced by our customers,” said Mike Linton, chief marketing officer for Farmers Insurance. “Through this new campaign we hope consumers realize that we know a thing or two about insurance and that our agents are ready to help consumers understand coverage options so consumers can select the coverages they want.” To view the multimedia release go to: http://www.multivu.com/players/English/7585551-farmers-insurance-we-know-from-experience/

Centennial College's Biomedical Engineering Technology program has been designed to meet the need for qualified professionals.

http://www.WhitneyVandell.com Whitney Vandell’s debut record takes its namesake from that same title, one that has been hard-earned by Vandell over years of intense work. The African-native instrumentalist has released one of the more intriguing and eclectic instrumental records thus far this year on the indie scene. What makes the ‘One-Girl Symphony’ so interesting is Vandell’s hand over a vast array of genres. The record style-hops with ridiculous tact, shifting from classical influences to rock and roll and blues in seamless movements. Speaking of which, there actually are movements. Her debut album is broken into four autobiographical sections of three songs each: Teenage Turbulence, The Formative Years, Return to Innocence & Hope, and Empty Promises to Broken Hearts.