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
At a time when educators and policymakers are placing a high priority on quality early childhood education, Wolf Trap Foundation for the Performing Arts today announced results of a four-year study showing that its arts integration teaching model bolsters young children’s math achievement. Additional resources, including a summary video with classroom demonstrations and the complete research report, may be accessed at http://www.wolftrap.org/stemartsstudy.
Conducted by independent evaluators at the American Institutes for Research (AIR), Findings from the Evaluation of the Wolf Trap Arts in Education Model (the Study) examined the effects of an arts-integrated teaching approach on teachers’ practice and students’ math knowledge.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7224251-wolf-trap-math-achievement/
Parking crashes usually don’t result in serious injuries, but repair costs can quickly mount, along with the hassle of going without the family vehicle while waiting for the body shop to finish work. The Insurance Institute for Highway Safety has launched a rear crash prevention ratings program to help consumers identify models with the technology that can prevent or mitigate low-speed backing crashes. Two systems earn the highest rating of superior, and four earn the second-highest rating of advanced.
Rear crash prevention encompasses several technologies. Parking sensors issue warning beeps and/or seat vibrations when the equipped vehicle gets too close to another vehicle or object directly behind it, or, in some cases, in front of it. Rear cross-traffic alert warns drivers of approaching vehicles that might cross their path as they back up. Rear automatic emergency braking systems detect objects behind a reversing vehicle and may automatically brake if the driver doesn’t heed alerts to stop.
IIHS engineers evaluated rear autobrake systems on six popular 2017 model vehicles — the BMW 5 series sedan, Cadillac XT5 SUV, Infiniti QX60 SUV, Jeep Cherokee SUV, Subaru Outback wagon and Toyota Prius hatchback.
Under the three-tier rating scheme, models with optional or standard rear crash prevention systems are rated superior, advanced or basic. Ratings are determined by whether the vehicles have available rear autobrake and, if so, how it performs in a series of car-to-car and car-to-pole tests with different approach angles. The availability of parking sensors and rear cross-traffic alert also is factored in.
The Outback and XT5 earn a superior rating when equipped with optional rear autobrake, parking sensors and rear cross-traffic alert. The Cherokee, 5 series, QX60 and Prius earn an advanced rating with this optional gear.
In a departure from the long-held industry tradition of feature wars, Whirlpool brand today announced the launch of Every day, care™, a campaign about changing the perception of how people view the daily chores necessary to care for one’s family. Too often these simple acts of cooking, cleaning and washing feel tedious and insignificant, when in fact they play a huge role in shaping the people we love and the world we live in.
To view the Multimedia News Release, go to http://www.multivu.com/players/English/7318751-whirlpool-announced-launch-of-every-day-take-the-chore-out-of-household-responsibilities/
Beauty anxiety is felt by girls as young as ten years old. In fact, 9 out of 10 girls want to change at least one thing about their physical appearance.1 Dove believes everyone has the opportunity to help a girl navigate those feelings. The Dove Self-Esteem Project launches a new Self-Esteem Pinterest page to provide free self-esteem exercises, activities, and workshop guides to inspire women to embrace the opportunity to help the girls in their lives reach their full potential.
“The Dove Self-Esteem Project has long been delivering self-esteem education to young people to help them build positive self-esteem and reach their full potential,” said Jennifer Bremner, Director of Marketing, Dove. “Dove recognizes that women and girls spend a great deal of time on social media. Now when girls need a self-esteem boost, the mothers or role models in their lives can rely upon practical and easy-to-use self-esteem inspiration right on their phones. Our new Dove Self-Esteem Pinterest page demonstrates the power and ease of mentorship, and we invite parents, teachers and any person with a girl in their life to join us in helping the next generation develop a positive relationship with beauty.”
The Dove Self-Esteem Pinterest Page (Pinterest.com/SelfEsteem) offers every woman and girl a personal confidence-boosting board they can turn to when they need it most.
To view the multimedia release go to:
http://www.multivu.com/players/English/7635651-dove-self-esteem-project-on-pinterest/
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In an effort to inform children and their families about the importance of food safety, U.S. Department of Agriculture (USDA) and the Ad Council are joining 20th Century Fox to launch a series of public service advertisements (PSAs) featuring footage from the upcoming film Alvin & the Chipmunks: The Road Chip.
An estimated 1 in 6 (48 million) Americans get sick from foodborne illness each year, resulting in roughly 128,000 hospitalizations and 3,000 deaths, according to the Centers for Disease Control and Prevention. Children are among the most vulnerable to food poisoning because their immune systems are still developing, so parents and caregivers need to take extra precautions when preparing food for children under five.
The new PSAs, featuring everyone’s favorite Chipmunks – Alvin, Simon, and Theodore – highlight the four food safety steps consumers can use to prevent foodborne illness. The Chipmunks’ antics and hilarious situations in which they find themselves provide a perfect platform to illustrate these four steps: Clean, Separate, Cook, and Chill. The PSAs help explain actions anyone can take to safely prepare their food, using the Chipmunks as the tool to bring fun and relevancy to a serious topic. The partnership includes TV, radio, out-of-home and web advertising, and parents and children can also find kid-friendly activities that further reinforce the food safety steps by visiting FoodSafety.gov.
To view the multimedia release go to:
http://www.multivu.com/players/English/7652251-ad-council-food-safety/
As part of its new brand campaign, Share A Legend, New Holland Brewing Company is tapping into its heritage and success as the top craft Bourbon Barrel-Aged Stout to unveil a nationwide storytelling contest. The #ShareALegend contest is inspired by the nearly two decades of legends told over Dragon’s Milk™ stout—and celebrates the lore of the brew that began when it was first bottled 17 years ago. The top user-generated story submission will earn the winner $5,000 cash plus $5,000 from New Holland Brewing Company to donate to one of several charities selected by the brewery.
Share A Legend is an open-ended storytelling project that invites fans to share their personal tales, whether they are everyday stories of triumph, the goodness of humankind or someone who has made an impact on them. Throughout the campaign, New Holland Brewing Company will release the legends of six real people who fall into the archetypes of Warrior, Huntress, Smith, Poet, Alchemist and Performer to inspire contest entrants. The videos, the new DragonsMilk.com website and other branded elements adopt a half-illustrated design that embody the true but imaginative and creative nature of legendary tales that are passed down over time.
To view the multimedia release go to:
https://www.multivu.com/players/English/8399851-new-holland-brewing-dragons-milk/
There isn't much of a story behind the making of this song ..... I was still in the optimum song writing mode after the completion of The Devil's Dance and so I went with a more upbeat beat and then just rocked this one to the finish line
LYRICS : In my motor mind I can climb so high. I can jump right up and baby touch the sky.
In my motor mind when I'm feeling high, I can bring you up as I fly on by.
In my motor mind I can climb so high. I can jump right up and baby touch the sky.
In my motor mind when I'm feeling high, I can bring you up as I fly on by.
We'll take a ride from Hades to Heaven. We'll grab some grub from 7 11.
We'll take a ride from Hades to Heaven. We'll grab some grub from 7 11.
Repeat verses.
Flo Gardner isn’t exactly thrilled when she and her mom move into Corman Towers, a giant apartment building in the middle of the city. To call their new home strange, is a MAJOR understatement. And things only get weirder when she meets her neighbor Ferdinand, better known as Furry. It doesn’t take Flo long to realize that there’s more than one secret lurking in her new home . . . Learn more about this book and author http://bit.ly/bighairysecret Children’s
Well here's the scoop on this poop ...... My Windows crashed on my main PC and I had lost all of my studio programs a few months back ..... I was focused on creating more pop orientated songs such as what I've been doing for 2017 but all of my vocal songs are still missing vital audio pluggins to continue on with them ..... I've now upgraded from FL 7 to FL 10 and I've got my studio program back but I'll need to work with it more to create new vocal material .... In the meantime, I'm composing new Electronic music with my FL 10 and I have a couple of monster size Electronic tunes created from my FL 7 but I'm still shying away from making videos for them and uploading them to here ...... So what I have here is a project that I was working on with my 7 version but it's also lacking the pluggins for me to go the full route with it ...... What inspired me to do this was after watching Youtube videos of rock songs being spliced together, most likely by university students with an engineering degree and I figured that I could probably do a better job with my old school methods ..... perseverance and a good hammer and nail ..... What I'd like to add to this description was that 4 months back, I had made this comment to a fellow MUSICIAN ??? ...... Youtuber who had just put together a mashup that took him a whole 5 hours to create ...... "A world's record from what I've seen around here" ...... My comment to him pretty much describes what I have here .....
"This sound's awesome bro ..... I'm involved in a similar project right now but with me it's always months of work ..... I'm doing the impossible right now of mashing up classic rock tunes with me accompanying them ..... I started off with Space Truckin .... The problem with this work is that they're not Electronic tunes and so they have no digital BPM .... I have to take my best guess as bands often speed up or slow down .... I added Smoke On The Water by speeding up the track and raising the pitch up 2 steps and then Strange Kind Of Woman which is in 3/4 timing and then Lazy over Space Trucking to Daft Punk's Robot Rock to Chicago's version of I'm A man to Alvin Lee's Going Home to Van Halen's I'm The One to the Stones Around and Around to Sympathy For The Devil mixed in with April Wine's Could Have Been A lady and now I'm gonna try to work in Aerosmith's guitar riff to Walk This Way to Could Have Been A lady ..... Boy ..... and people wonder why it takes me so long to upload a new song." ....... and his reply back was ......
"LOLOLOL Well with Projects like that, ... Do they know what you do??? ...and why put so much pressure on yourself... or is that just what you do? You're obviously talented, why don't you just simply make originals or covers? Oh, and Thank you!!! :-)" ......... ??? ......
Well "LOLOLOL dee DOH" on me ........ What the Hell is wrong with me anyway? ........ Spend over a day to create something special when all I need to do is to pick up my acoustic guitar and sing you all a song through my cell phone and come back to you tomorrow and the next day and then every day afterwards? ....... We'll that may be the Youtube way but it's not my way to all of you Frank Sanatra wannabies ........ You want to make something great? ..... you gotta work at it and spend more time composing than uploading ....... YEAH !!!!! ......... and you gotta wait for me when I feel it's time to sing because I'm the FAT LADY here and the fat lady want's to shine like a pair of dancing shoes and leave some kind of memorable musical poop stain on this planet before making her grand exit ...... Mr. POOPY LOLOLOL 5 hour PANTS !!!!!!
