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"We have robust governance in place for our subsidiaries, including strategic oversight of the business by their respective boards as well as oversight to ensure compliance with tax and all other laws," the bank said.īMO also wouldn't say why it felt the need to change LGM's accounting to book more of its profits in Hong Kong, and in particular, whether the previous practice was flawed. In a statement to CBC and the Toronto Star, BMO acknowledged that its LGM Bermuda operation has "no active clients." The bank did not directly address questions about why, then, it keeps the island shell corporation going or what tax advantages it derives. They resolved to take a wait-and-see approach. "No news is good news," another unidentified board member chimed in. "Hopefully, we just let these things run off and times run out," a BMO executive said. "I think it's six years," the board member said. "How long are we possibly liable?" asked one of them, whose identity is not clear from the transcript.Īnother board member mentioned that Hong Kong has a statute of limitations to reassess old tax returns. Hopefully, we just let these things run off and times run out. LGM had recently scaled back its profit shifting, and board members were worried the Hong Kong tax authorities might notice and go back and scrutinize previous fiscal years - possibly demanding more tax be paid. Commerce Secretary Wilbur Ross benefited from ties to Putin's inner circle, offshore tax leak shows Much of the material comes from Appleby, a law firm that offers offshore legal and administration services in eight tax havens around the world. It contains thousands of documents relating to all five of Canada's big banks, most of them to do with the mundane, daily details of operating a globe-spanning financial conglomerate. The leak was obtained by German newspaper Suddeutsche Zeitung and shared exclusively in Canada with CBC/Radio-Canada and the Toronto Star via the International Consortium of Investigative Journalists. This unprecedented glimpse behind the scenes as a big Canadian bank struggled with running one of its offshore subsidiaries comes from the Paradise Papers, the huge leak of tax-haven financial records that was made public Sunday. Now only four directors would have to attend in person in Bermuda in order to "have fulfilled the tax guidelines," Cooper said. The solution? They cut the number of people on the board from 11 to seven. "We were having trouble getting six people to attend the meeting every time in Bermuda," said the executive, Barry Cooper, according to a transcript of the meeting. If not, there would be a risk the company could be deemed to reside elsewhere, possibly in Canada, where it may have to pay tax.Īnd there was the catch: It was proving tough to get enough people to jet down to Bermuda for the board meetings, according to the BMO executive chairing the gathering. To keep up the legal appearance of the company's Bermuda residency, a majority of LGM's board of directors - made up mostly of BMO senior managers - had to meet in person on the island at least twice a year. BMO ran $ 288M 'abusive' tax dodge: CRA.But its parent company was incorporated in zero-tax Bermuda - despite having nothing more there than a mailbox at a law firm specializing in offshore financial services. LGM, as it's known, had most of its staff at two subsidiaries in Hong Kong and London. Two years earlier, BMO had acquired Lloyd George Management, an investment firm focused on Asia. Top of the agenda for the March 2013 meeting: how to lessen the burden of flying six executives to the palm-fringed island a couple times a year - the bare bones required for tax purposes to officially keep a subsidiary there with no staff, no desks, no phones and no premises. It was a blustery, grey day in Bermuda, and a clutch of Bank of Montreal executives who had flown in were huddled in a board room. during its first five years of operations.Īustin received an undergraduate degree in Banking and Finance from the University of Kentucky. He was a founding board member of Pro Athletes Outreach, a Christian training ministry to pro athletes and coaches of many sports, and The Christian Embassy, an outreach ministry to government and diplomatic officials in Washington, D.C.īefore founding SMI, Austin started and ran his own investment management firm, which ranked in the top 5% of all investment advisers in the U.S. He is the author of The Sound Mind Investing Handbook, A Step-By-Step Guide to Managing Your Money from a Biblical Perspective, which enjoys the endorsements of numerous respected Christian teachers and has sold more than 100,000 copies.Īustin was once on staff with Campus Crusade for Christ, working directly with founder Bill Bright, helping to develop the ministry’s approach to working with high-capacity donors. With more than 40 years of experience in the investment business, Austin provides overall direction to the organization while continuing to author many articles for the SMI newsletter and website. Sound Mind Investing was founded in 1990 and is based in Louisville, Ky.Īustin leads SMI, the newsletter business he founded in 1990. We reach thousands of people each month through our website, monthly investment newsletter, books, videos, media appearances, and speaking engagements. Specifically, SMI provides time-tested, objective strategies for mutual fund investing (including specific fund recommendations), along with biblically informed, practical teaching on a range of personal-finance subjects. But Scripture reminds us that we need not fear even complex activities such as investing.įor God has not given us the spirit of fear, but of power, and of love, and of a sound mind.Īt Sound Mind Investing, we equip and empower individual investors with content delivered in a straightforward, easy-to-understand manner, providing the trustworthy guidance, tools, and encouragement necessary to invest with confidence and success. Investing is the financial task people tend to fear the most and find the most confusing. We take the fear out of investing with objective, proven strategies that do-it-yourself investors can implement with confidence. Remember that no question is stupid and we work together to create a friendly community. The Ross Video Carbonite Black Solo 1 M/E Live Production Video Switcher is an HD/SD video production switcher with an integrated control surface providing. Switch inputs, control remote PTZ cameras, and apply effects, overlays, or graphics in real time with a full set of tactile button controls, joystick, and a. All things video are welcome!įeel free to post anything you like from questions to pictures. Ross Video Carbonite Black Solo 1 M/E Live Production Video Switcher is an HD/SD video production switcher with an integrated control surface providing. 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This is just a small sampling of all the new features. You can also find the documentation online or if you’re not online, go to the Help menu and choose, Help. We’ve also been busy creating tutorials to help you learn about Pano2VR 5. We recommend bookmarking this Pano2VR 5 playlist. Also, our forums are very active and provide an abundance of tips, tricks and general information. Here is a doozy of an update for you! It is our first bugfix release for Pano2VR 5. On Windows you may get a “Connection Error” after checking for updates. Fixed: Sound was not always playing after the initial tap on iOS.įixed: The address bar in Safari was not hiding when an iPhone 4 / 5 rotated to landscape mode.That’s one fix, here is a sampling of the rest: In case this occurs, you will need to manually download the update.Fixed: If you had a Text Box in a skin and set it’s text color, and also used CSS, the text’s color would assume the color defined in the page’s CSS.Fixed: If you tried to hide a skin element using the Alpha parameter (setting it to 0), it would still be active within the skin.Fixed: Sometimes, the tiles for a Flat input image were being constantly regenerated on output.Fixed: The Min FoV - Pixels setting for Flat input images, was being ignored.Fixed: Check for updates on Windows was displaying a connection error.Fixed: Dutch was translation missing. (Sorry!).Fixed: If you had tags with similar names like hall, hallway, hall1, all three would appear in the tag filter when you would search for hall.Fixed: If a Logic Block is using simultaneous attributes it was not using the timer to change states. On the very day on which we were to set out I had the dubious pleasure of meeting the two investigators who were to accompany me and assist me in my task at Orlane. I retained him for the journey and explained my mission. The men at the Shingles recommended to me the young elvish tracker and hunter Felligan, a native of those dismal woods, a bowman and one who knows those rangers that patrol the way between Hochoch and Hookhill. Moreover, I sought a man who knew the Dim Forest and could provide us a safe escort all the way to Hookhill. They came to me recommended by a certain lady of our parish who had once hired them to settle some matter regarding her previous husband. Since time pressed, I made further inquiries in that area of our good city which is called “The Shingles,” and through these efforts, I found men such as might suffice for the mission: One investigator and solver of crimes called Myron the Glamorer and his colleague Bruin. On the first of Harvester I searched our good city Hochoch and made all the usual inquiries to find those noble men which your grace had recommended to me, but I did not find them. In that many have already circulated reports of the things that have been accomplished among us in Orlane and the Gran March, it seemed right and proper, that having successfully brought these affairs to a satisfactory conclusion, to write an orderly account for you, most holy fathers, that you may be set at ease and see how I have faithfully discharged the commission you laid upon me and how the reputation of our Lady of the Changing Seasons has been restored. (Beware total spoilers.) Against the Cult of the Reptile Godīased on Douglas Niles, Against the Cult of the Reptile God Adapted for narrative from the role-playing game by Thomas Kellyįather Tabor, a servant of Merikka, to the holy fathers of our order and the ecclesiastical order of Hochoch. Download a pdf of the whole story Against the Cult of the Reptile God or keep reading below. The campaign adaptation follows a first-person narrative report from Father Tabor, a halfling cleric devoted to the goddess Merikka and a small band of adventurers as they uncover a sinister evil in the shadows of Orlane, travel through the Dim Forest and into the Rushmoors. Others simply disappear…Īgainst the Cult of the Reptile God takes place in 573 CE in a small village populated with a cast of NPCs reminiscent of the classic village of Hommlet and takes us into two major geographic regions: The Dim Forest and the Rushmoor Marsh. Terrified peasants flee their homes, abandoning their farms with no explanation. Rumors flourish, growing wilder with each retelling. Strangers are shunned, trade has withered. Once a small and thriving community, Orlane has become a maze of locked doors and frightened faces. Terror by night! The village of Orlane is dying. I usually just ignore anything that serves no importance to me winning the game. I think it's more frustrating to play with toxic players you or your friends know than to play woth randoms :c solo q has been alright. OT: just played a league game with a couple friends, not really a solo queue game and a friend of my friend started raging at everyone. Im not that the best of a player but I can most likely help you improve. If you ever need more help I can give you a couple pointers. The way you counter a gank is to allin whoever is easier to kill, doing so not only provides you with the best possible outcome but allow you to push yourself to know your limit. Ganks really hurt and usually pre 6, aside from knowing timers and all theres nothing much you can do. Turn your vamp into a rav hydra whenever possible because ravenous hydra would give you a good enough wave clear to keep up with cho. If you leash and your enemy laner does not he has controlle over the lane and can get prio and an early level 2 while you have now way to do anything about it. Try to go for the DP build, going vamp scep> brut> LW and you will continue to shred cho despite how much armor he builds. For one, the early fight wasnt a good idea. In situations like this, theres not much you can do other than keep trying to ask for help. If you are 6, Vi should be a fairly easy kill because he would most likely be around level 4 try to cheese really hard with level advantage, use your first q to finish off a minion, put an extra point in q as you level and your damage output wouldincrease by a hefty amount. Granted that yes, being a level behind wont kill you, but having the enemy jungler camp your lane early game will definitely cause you to lose the lane if your jungler doesnt help. I would startfort 3 pots and if vi does come to gank and you are over extended, I would just all in on the Vi. His w would be the biggest nuisance because if the cho is half decent it will almost be impossible to dodge. If cho is maxing e, he will not out trade you and with riven's mobility his q shoupd be fairly easy to dodfe. Imo cho is a pretty easy match up until he starts building too much armor. |
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