Lucia

Helen of the West Indies

2011.06.20 04:49 Piton_Falls Helen of the West Indies

The Caribbean island of St.Lucia.
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2017.02.28 16:35 Snarktastic_ BeautyGuruChatter

A subreddit to discuss beauty influencers, makeup artists, brand owners, and celebrities beauty and makeup content! All are welcome! <3
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2012.04.16 22:01 terrSC Devil May Cry

Where we celebrate the Devil May Cry series...
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2020.12.03 04:41 nyoomkaty Advent Calendar - Happy St. Lucia Day from Lisa Lisa!

Advent Calendar - Happy St. Lucia Day from Lisa Lisa! submitted by nyoomkaty to ShitPostCrusaders [link] [comments]


2020.12.03 04:32 NatSurvivor (Serio) ¿Creen que de verdad alguno de los proyectos de la 4T tenga un beneficio a largo plazo?

Sabemos que la 4T tiene 3 proyectos que se van a hacer a la de a huevo aunque el país se este cayendo a pedazos: 2 bocas, tren maya y santa lucía.
De estos 3 el único que chanceeeee y le va bien es al tren maya y eso si los astros se juntan y el turismo explota en la zona pero a santa lucia yo no veo como jale y más viendo que nunca va a tener la infraestructura y ya 2 bocas ni se diga por el tema del petroléo.
Que opinan banda? Ya para no dormirme con tanto coraje.
submitted by NatSurvivor to mexico [link] [comments]


2020.12.03 04:25 kastle09 What is the Costume/Colour that represents you?

I was chatting with some people about SFV costumes and it reminded me of the fact that everyone seems to have a "default" costume and colour they like to play in tournaments or even just online to specifically identify them specifically. If you are at a locals and glance at the projector, or watch a mirror still can tell who is who.
Wondering what yours is.
I play a bunch of chars but if I had to choose a main its Lucia and I play Default costume, Colour 12 and 13.
Where I live (Newcastle, Australia), all the sports teams in my City are always Red, White and Blue and so I followed suit. 12 is the Home kit, 13 is Away.
Whats yours?
submitted by kastle09 to StreetFighter [link] [comments]


2020.12.03 03:41 StarWarsFan1000 Questions I still have!

  1. Why did Ben not approve of Juliet and Goodwins relationship?
    1. Why did Hurley suddenly get the power to talk to dead people?
    2. Why did Widmore send a team to destroy the island, if he wanted Locke to be the leader?
  2. Who was attacking Sayid and Hurley in season 5
  3. How did the MiB appear to Locke as Christian in the time skips when he wasn’t time traveling?
  4. Why did Jacob want to kill Nadia?
  5. How and when did Eloise leave the island, same with Tom?
  6. Why did Sun become an assassin for Widmore even though it was Widmore's people who caused Jins fake “death”
  7. If Jacob can see the future, why did he do nothing to stop his death, it’s made clear from miles 10. that he didn’t want to die, so why would he allow his death to happen
    1. How did the MiB appear as his original form in the 1800s, even though his physical body died in 43 A.D
  8. What’s up with Libby’s backstory, Dartlon literally said they would explore more about Libby’s backstory yet she got 0 seconds of screen time outside of the FSW
  9. Why did Ben want to kill Karl exactly?
  10. Why was Walt so special, why were his powers even useful anyways. He used his insightfulness to warn Locke about the hatch even though nothing that bad actually happened, but didn’t warn Ana Lucia that his dad was about to kill her?
  11. How did the others not know Jack and Co. were in the Dharma initiative since there was literally a picture of them in the processing building. Also they had access to extensive dharma technology and resources, so how did they not know that ‘Juliet Burke’ was once long lasting, well known and respected member of the Dharma Initiative. In Not in Portland Richard goes on and on about how special Juliet is, and when you see she’s in the DI, it makes you think the reason she’s so “special” is cause she was on the island as an adult in 1974-77, when she should’ve only been a few years old, but she never sees Richard or Ben again after ‘Left Behind’.
  12. Why did Richard and Eloise want to help nuke the island? Why did Richard say he watched all of the main losties die, but he himself was not a witness to the incident. Was he referring to the purge?
  13. Why doesn’t Richard remember Kate and Jack and Sayid? It’s clear Widmore remembers Locke and he barely even saw him and there was a longer time difference between 1954 and 2007 than 1977 and 2004. Plus Richard was much older than Widmore. And he remembered meeting Locke in 1974 even though he also barely saw him.
  14. How did Jacob leave the island? 19.( Not story) why were the release dates on the episodes in Season 3 sometimes 2 weeks apart and even in S4, EPISODE 8 and 9 were released almost two months apart?
  15. (Not story) What were the S4 Missing episodes? 21.) Why did the atom bomb set them back in 2007? 22.) Why did the Dharma Initiative tell people that The Swan was only a psychological experiment, but it definitely wasn’t 23.) Why didn’t the Dharma Initiative just turn the failsafe key themselves 24.) What is the exact date of the purge (I mean year) in s4 it’s established it happened in 1992, but that was kind of retconned in S5. 25.) Why did Ben tell Rousseau to run the other way when she heard whispers, even though they were only ghosts? 26.) Do you think they had an actual from Season 1, in my opinion, no. The earliest there could’ve been an actual plan on how to end the show was Season 4.
submitted by StarWarsFan1000 to lost [link] [comments]


2020.12.03 01:15 SaviorOfSubs [Swiss.Sides] Introduction 1: Lucia

[Swiss.Sides] Introduction 1: Lucia submitted by SaviorOfSubs to TheOwlHouse [link] [comments]


2020.12.03 00:14 DieHermetischeGarage Podcast-PlayList vom Mittwoch, 02.12.2020

Die gesamte Tages-PlayList
Tagestipps
Sendung Titel
BR Kalenderblatt 02.12.1912 Patent auf Nassrasierer (1)
BR Wissen Die Theologische Zoologie - Vom Umgang mit dem Tier (2)
SWR Zeitwort 2.12.1946: Die internationale Walfang-Konvention wird verabschiedet (3)
SWR Wissen Doktor Placebo - wie Erwartungen gesünder machen (4)
WDR Zeitzeichen IG Farben gegründet (am 2.12.1925) (5)
News
Zeit Titel wo min
05:24 Europaabgeordneter stürzt über illegale Corona-Party (Schmidt, Helga) DLF 1:33 ?
07:07 Gaming Plattform- Wegen Urheberrechtsverletzungen löscht Twitch Streams (Martina Schulte) DRN 4:37
07:38 Nach der Amokfahrt von Trier - was man weiß (Petermann, Anke) DLF 4:46 ?
07:50 'Kulturkampf' beim 'Guardian': Debatte um Journalistin Suzanne Moore (Heuer, Christine) DRK 5:11 ?
08:37 Chinesische Sonde gelandet - Warum der Mond wieder interessant ist (Haase, Till) DRN 5:47
08:40 Das Wichtigste heute Morgen (Müller, Dirk) DLF 5:00 ?
09:25 Ungarns LGBT-Gemeinschaft und Orbans Verfassungsänderung (Verenkotte, Clemens) DLF 4:06 ?
09:47 Jung, amerikanisch, traurig: US-Jugendliche leiden seelisch unter Corona (Robertz, Andreas) DLF 6:58 ?
11:08 Die Sängerin Lucia Cadotsch und 'Speak Low II' (Cadotsch, Lucia) DRK 8:21 ?
11:35 Das muss man gehört haben im JAZZ (Habersetzer, Ulrich) DRK 4:59 ?
11:44 Rubrik Folk: Adam Beattie - 'Somewhere Round The Bend' (Poppendieck, Kerstin) DRK 5:50 ?
12:10 Lost in Hongkong. Urteil gegen Joshua Wong und die Versäumnisse des Westens (Fücks, Ralf) DRK 6:55 ?
12:20 Wacht die Welt auf? Großkampftag in Sachen Klima (Lindner, Nadine; Fücks, Ralf) DRK 8:59 ?
12:30 Hirntote Nato. Brächte das Mehrheitspinzip das Verteidigungsbündnis weiter? (Fücks, Ralf) DRK 6:14 ?
12:50 Verrohung. Cybermobbing unter Schülern hat zugenommen (Fücks, Ralf) DRK 6:07 ?
13:20 Völkische Siedler in Brandenburg. (Länderreport) (Christoph D. Richter, André Hatting) DRK 10:15 ?
14:38 Studie: Cyber-Mobbing an Schulen nimmt zu (Wagner, Thomas) DLF 4:44 ?
14:59 Comingout von Elliot Page: Anstoß für mehr Critcal Cisness (Podcast) (Vanagas, Annette) DRK 7:57 ?
15:08 Rockheld und Clubretter Tim Burgess (Charlatans): 'Wir werden nicht aufhören' (Müller. Andreas) DRK 10:17 ?
15:23 Neue Filme: Uncle Frank/Wir können nicht anders/Das Geheimnis des Totenwaldes (Albrecht, Jörg) DLF 5:41 ?
15:36 BVerfG soll es richten: Streit um Rundfunkbeitragserhöhung - Interview mit Rainer Robra (Sterz, Christoph) DLF 8:46 ?
15:48 Kolumne: Hauptstadtjournalismus - das komplett sinnlose Personalorakeln (Dell, Matthias) DLF 4:24 ?
15:48 Investigativsendung aus Frankreich - La Voix de Djibouti (Zimmermann, Martina) DLF 5:06 ?
16:20 Newcomer*in der Woche: Claud (Heinzinger, Hannah) DRK 6:45 ?
16:30 Hitzerekord, Erdbebensimulation, Universum (Bungartz, Jan) DRN 6:08
16:45 Ende einer Legende: Das Arecibo-Teleskop in Puerto Rico ist eingestürzt (Lorenzen, Dirk) DLF 4:48 ?
17:34 Bekanntgabe Goldener Zaunpfahl - Preis für absurdes Gendermarketing (Schnerring, Almut) DRK 7:02 ?
18:37 Korruptionsverdacht im Weißen Haus - Das könnte Trump und seiner Familie drohen (Ralph, Günther) DRN 4:23
18:38 Hongkonger Aktivist Joshua Wong verurteilt (Wurzel, Steffen) DLF 1:12 ?
18:40 Stau auf der Stromautobahn - Warum der Netzausbau so lange dauert (Mohaupt, Dietrich;Watzke, Michael) DLF 18:39 ?
19:07 Stehen, kippen, Stürzen - Was tun mit umstrittenen Denkmälern? (magazin) (Schröder, Axel; Leuve, Vivein; Schnee, Philipp) DRK 15:21 ?
19:09 Bismarck schrumpfen:Hamburg und die Denkmal-Kontroverse (Schröder, Axel) DRK 8:16 ?
19:37 Transgender-Person - Es ist wichtig, sie mit ihrem neuen Namen anzusprechen (Günther, Ralph) DRN 6:20
20:10 Kinder, Klima, Katastrophen: Ist die Menschheit noch zu rechtfertigen? (Röther, Christian) DLF 19:51 ?
23:15 Großbritannien lässt Biontech-Impfstoff zu (Heuer, Christine) DLF 2:59
23:18 EU kritisiert britische Eilzulassung (Kapern, Peter) DLF 3:17
23:22 Impfstoffzulassung: Interview mit Alexander Ehlers (Schulz, Josephine) DLF 7:53
23:26 Filme der Woche: 'Mank' 'Mosul' (Leweke, Anke) DRK 6:54 ?
23:30 Trier nach der Amokfahrt (Petermann, Anke) DLF 3:27
23:37 'Reichsbürger' in der Bundeswehr - Verdächtiger tot (Götschenberg, Michael) DLF 0:48
23:47 EU stellt neue US-Strategie vor (Klein, Bettina) DLF 2:46
23:50 Nachruf auf Valéry Giscard d'Estaing (Kostolnik, Barbara) DLF 2:33
Infos
(#) Info
(1) Zuerst war King Camp Gillettes Idee für seinen Nassrasierer nur praktisch, am 2. Dezember 1901 erhielt er dafür das Patent. Doch im Ersten Weltkrieg retteten die neuen Klingen sogar Leben - und machten den Erfinder schwerreich.
(2) In der Bibel ist viel von Tieren die Rede, anders als in der Theologie. Die Theologische Zoologie lehrt, wie sich Christen gegenüber ihren Mitgeschöpfen verhalten sollen. (BR 2017)
(3) Blau-, Finn- und Pottwale waren fast ausgerottet, als die Konvention verabschiedet wurde. Ziel war nicht der Schutz der Tiere. Ziel war die "geordnete Entwicklung des Walfang-Industrie."
(4) Placebos sind mehr als "nichts". Sie können die Gehirnaktivität ändern, Schmerzen lindern, bei Depressionen helfen - sofern die Patienten dem Arzt vertrauen und an die Therapie glauben. Von Martin Hubert.
(5) Auf der einen Seite stand die 'Interessengemeinschaft Farbenindustrie AG' für innovative Forschung und großen wirtschaftlichen Erfolg. Auf der anderen Seite ist das ehemals größte Chemieunternehmen der Welt aber auch untrennbar mit den Verbrechen der Nationalsozialisten verbunden. Im Dezember 1925 schlossen sich acht deutsche Chemie-Unternehmen zur IG Farben zusammen. Unter ihnen Industrie-Riesen wie Bayer, BASF und Hoechst. Autorin: Martina Meißner
submitted by DieHermetischeGarage to DasOhrIstDerWeg [link] [comments]


2020.12.02 21:33 Chemical_Turnover807 Who to play first DMC2

So I got all the dmc games and I’ve beaten the first game (‘twas a lot of fun) then when going to play the second it asks if I want to play Dante or Lucia so I am wondering what to play first. Are they the same campaign except one is a girl? Should I play one but not the other? Or are they two completely different campaigns that I should play in a certain order
submitted by Chemical_Turnover807 to DevilMayCry [link] [comments]


2020.12.02 21:17 theyseemewritindirty 4 - "22 (OVER S∞∞N)"

Fourth
  1. Panama Wedding - Feels Like Summer
  2. Pr0files - Call Yourself a Lover
  3. Leo Kalyan - Daydream
  4. Louis Futon, ROZES - Wasted on You
  5. Terror Jr - Holding Your Tongue
  6. St. Lucia - Dancing on Glass
  7. Amelia Curran - The Mistress
  8. Thievery Corporation - Letter to the Editor (feat. Racquel Jones)
  9. Chris Cornell - I Am the Highway (Live at Queen Elizabeth Theatre, Ontario, 2011)
  10. LEON - For You
  11. Frazey Ford - Blue Streak Mama
  12. CHVRCHES - Stay (Spotify Sessions)
  13. Francis and the Lights - Morning
submitted by theyseemewritindirty to u/theyseemewritindirty [link] [comments]


2020.12.02 21:06 WayfarersDM [META] Quick Character Refrence 9

This is for players to quickly understand which character they are talking to and what they look like, beyond just their name. Comment a description of your character. Below is a blank example of what you may put down in your QCR. All of it is not required but the basic Name, Appearance and Personality are required if submitting a short QCR.
 
 
Who are you?
 
QCRs of the Past:
Original Quick Character Reference
Quick Character Reference 2
Quick Character Reference 3
Quick Character Reference 4
Quick Character Reference 5
Quick Character Reference 6
Quick Character Reference 7
Quick Character Reference 8
If you already made one in a previous iteration, you are not required to resubmit a new, unless desired with IC changes and so on. This is mainly for new characters coming in.
 

Table of Contents

Retired Creator:

Admins/Creators/Co-Creators:

Patrons:

A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
R
S
T
U
V
W
X
Y
Z
submitted by WayfarersDM to WayfarersPub [link] [comments]


2020.12.02 21:06 Disentibot Para bien o Para mal ya estamos atorados con el aeropuerto de Santa lucia, alguien me puede platicar un poco mas de cual es el plan a futuro para su uso?

submitted by Disentibot to mejico [link] [comments]


2020.12.02 19:21 unalunapercucinare PANINI DI SANTA LUCIA O GATTI DI SANTA LUCIA

PANINI DI SANTA LUCIA O GATTI DI SANTA LUCIA submitted by unalunapercucinare to u/unalunapercucinare [link] [comments]


2020.12.02 18:57 TaticalNoodle I’m looking for a friend that has Lucia. My id is: 348 544 431. THANK YOU IN ADVANCE!

submitted by TaticalNoodle to PuzzleAndDragons [link] [comments]


2020.12.02 18:29 ellicen Para bien o Para mal ya estamos atorados con el aeropuerto de Santa lucia, alguien me puede platicar un poco mas de cual es el plan a futuro para su uso?

Por fas, fuera de que es una pendejada o no de Lopez lo que mas me interesa saber es cual es la actual idea de este nuevo aeropuerto a que me refiero:
  1. Como ahora vamos a tener dos aeropuertos en lugar de uno, se planea que ciertas aerolineas se vayan a uno y otras se queden en otras o uno sea internacional y el otro nacional?
  2. En donde esta Santa lucia? existen vias rapidas para llegar?
  3. Cuando se proyecta comienzen las operaciones? Ya se que el gobierno dice una mamada y la realidad es otra, pero se tiene un aprox ?
Gracias!
submitted by ellicen to mexico [link] [comments]


2020.12.02 17:43 LuciaSteinart 40+ DIYs and a lot of craft to trade for Iron Garden Bench DIY / Garden Bench DIY / Plain Wooden Shop Sign DIY

Hi there! Tittle is pretty self explanatory, I'm desperate to find those 3 DIY! Here is what I can craft / trade ! https://nook.exchangeLuciaSteinart
Thank you for your kind help!
submitted by LuciaSteinart to ACNHRecipeTrade [link] [comments]


2020.12.02 17:39 Wolflmg [USA][H]n3ds xl, games- ds/3ds, switch, wii/wiiu, psvita, ps3/ps4, gaming autographs, skylanders, much more [W]switch games, Gundam ps4, yokai watch blasters 3ds, lists

I will provide pictures, just ask. Majority of games come with original case unless noted. All games, dvds/blu and so on are adult own, Any questions let me know. Also if you prefer to pay for stuff most stuff is also listed in gamesale, if it’s not make an offer. I always use first class or priority mail depending on weight. And I am good with swapping multiple games for one, as long as value is close to equal.
Switch
Paper Mario: The Origami King
Lego Jurassic World
Jikkyou Baseball 2019
Outer Worlds (hard trade)
Witcher 3 Complete Edition (hard trade)
The Binding of Isaac: Afterbirth+ (includes stickers and mini booklet) (hard trade)
Beyblade Burst Battle Zero (import)
Ni No Kuni Wrath of The White Witch
Civilization VI
Team Sonic Racing
Mortal Kombat 11
Mutant League Football
Lego Worlds
Lego Marvel
Skylanders
have portal and controller for iPad, have 9 Skylanders (Spyro, Firebone Hot Dog, Trail Blazer, Snap Shot, Food Fight, Funny Bone, Stealth Elf, Pop Fizz, Chopper and 1 blue element) plus will include Skylanders Swap Force Wii U game and a additional three skylanders figures
Wii U
ESPN Sports Connection
Wii
Wii Sports
3DS games
Grey 3DS XL homebrew installed comes with nerf case
Tales of ReveUnitia
Super Smash Bros
Gundam SP japan
Inazuma Eleven Go Dark Japan
Luigi Dark Moon cart only (hard trade)
Hyrule Warriors Legends
Super Robot Wars BX - japan import
Beyblade Evolution
Gundam The 3D Battle Japan
KUROKO NO BASUKE: SHOURI E NO KISEKI Japan
Nintendo DS
Mario and Sonic Winter Olympics (cart only)
Pac Pix (cart only)
Super Robot Taigen OG Saga Endless Frontier (cart only)
StarFox Command (cart only)
Sonic Classic Collection
SuperRobo Gakuen
Sonic Rush (cart only)
TV Anime: Fairy Tale Gekitou! Madoushi Kessen Japan
Fairy Tail Gekitotsu! Kardia Daiseidou
MOBILE SUIT GUNDAM 00 japan
Super Robot Taisen OG Saga: Masou Kishin - The Lord of Elemental Japan
Atari greatest hits volume 1
Bleach Dark Souls ( has case, but missing manual)
Bleach The Blade of Fate
Inazuma Eleven 2 Blizzard
Naruto Shippuden Nina Destiny 2
PS4
The Last of Us part 2
Dragon Ball Z Kakarot (hard trade)
Red Dead Redemption 2
Kingdom of Hearts 3
Gundam VS
Jump Force
Drive Club
Batman Arkham Knight
Mass Effect Andromeda
The Division
Destiny
Dragonball xeonverse 1
PS3
Beyond Two Souls - Steelbook with sleeve
Shin Gundam Musou Japan
Dragon Ball Raging Blast 2
Uncharted 1-3
PS Vita
Jikkyou 2013 (japan)
One Piece Pirate Warriors 2 (Japan) NO CASE
IA/VT (japan)
OTHER STUFF
UAG red iPad Pro 10.5 case also fits iPad Air 2 (used)
dvds/blu ray
Gundam 00 Seasons one and two complete comes in two cases dvd
Cluster Edge Collection 1 dvd
Parasyte collection sealed dvd (collectors box is open, but everything inside is sealed)
ShinObi A Way Out dvd sealed
ShinObi Hidden Techniques dvd sealed
Gundam Build Fighters Try Blu Ray
Magical Shopping Arcade Abenobashi 1 dvd
Gundam Wing complete series dvds and endless waltz
manga
Gundam Seed Destiny Volume 1
Gundam 00F volume 2
Graphic Novels
Lucifer Book One
Rat Queens
Code Red Age of Darkness
Legend of Red Sonja
Rick and Marty volume one
The Mask Strikes Back
Global Frequency
autographs
Assassins Creed art signed by Richard Wilkes
God of War art signed by Matt Akin (310/2200)
The Karate Kid signed by Ralph Macchio
Slimer sighed by Rocky Davies (162/1999)
Infinity Wars signed by Logan Pack (904/2000)
Harley Girl signed by Nathen Szerdy (58/500)
Black Panther signed Kyle Willis (779/2000)
Superman/Batman Apocalypse blu ray Bruce Timm autograph
Bowling for Soup music CD autograph
electronic
PocketGo
statue/figures/other
Resident Evil police badge (sealed)
Silent Hill Pyramid Head card art
Overwatch Lucia-ohs box prop
Final Fantasy all white Pin Sephiroth (sealed)
Funko Apex Lifeline signed by Mela Lee (sealed)
Green Lantern injustice card (sealed)
Batman and Green Lantern Injustice Cards (sealed)
Punch Out King Hippo pin bammer box limited release of 250 (sealed)
Banpresto MS Gundam INTERNAL STRUCTURE RX-78-2 (sealed)
Mazinger Z fleece Blanket (never used)
Macross x Akira t-shirt medium (sealed)
Ultra Goku (sealed in box)
Super Saiyan Trunks fleece blanket (still wrapped)
Limited Edition Goku Genkidema + Oozaru Vegeta shirt medium (wrapped)
Dragonball Shikishi Art Androids (wrapped)
Dragon Ball Z Kame scarf
Lonestar Birthright pendant (space balls)
star lord milano funko - sealed
Marvel's Spider-Man Q-Fig - sealed
SC Figure Colosseum VI vol.3 Luffy sealed
Hotdog Fireball Skylander sealed
My Want List
Untitled Goose game - switch
Giana Sisters :Twisted Dreams - Owltimate Edition- switch
MOBILE SUIT GUNDAM: EXTREME VS. MAXIBOOST ON - ps4
PRO YAKYUU FAMITSA 2020 - switch
Psikyo Shooting Stars Bravo - switch
Animal Crossing ? -switch
Eshop credit (only will do if you have mushrooms showing number of successful trade/sales)
SanDisk or Samsung 500GB micoSD card or higher
Doramon Story of Seasons - switch
Nintendo Switch tablet firmware 3.0 or already modded
Switch lite
Go Vacation - Switch
Yokai Watch Busters white dog 3ds
Green Ranger MMPR helmet (life size)
I will also look at lists, but mostly only be interested in switch games and ps4 games
submitted by Wolflmg to gameswap [link] [comments]


2020.12.02 15:56 kadalisyu A Brief Introduction to Captive Insurance

Over the past 20 years, many small businesses have begun to insure their own risks through a product called "Captive Insurance." Small captives (also known as single-parent captives) are insurance companies established by the owners of closely held businesses looking to insure risks that are either too costly or too difficult to insure through the traditional insurance marketplace. Brad Barros, an expert in the field of captive insurance, explains how "all captives are treated as corporations and must be managed in a method consistent with rules established with both the IRS and the appropriate insurance regulator."
According to Barros, often single parent captives are owned by a trust, partnership or other structure established by the premium payer or his family. When properly designed and administered, a business can make tax-deductible premium payments to their related-party insurance company. Depending on circumstances, underwriting profits, if any, can be paid out to the owners as dividends, and profits from liquidation of the company may be taxed at capital gains.
Premium payers and their captives may garner tax benefits only when the captive operates as a real insurance company. Alternatively, advisers and business owners who use captives as estate planning tools, asset protection vehicles, tax deferral or other benefits not related to the true business purpose of an insurance company may face grave regulatory and tax consequences.
Many captive insurance companies are often formed by US businesses in jurisdictions outside of the United States. The reason for this is that foreign jurisdictions offer lower costs and greater flexibility than their US counterparts. As a rule, US businesses can use foreign-based insurance companies so long as the jurisdiction meets the insurance regulatory standards required by the Internal Revenue Service (IRS).
There are several notable foreign jurisdictions whose insurance regulations are recognized as safe and effective. These include Bermuda and St. Lucia. Bermuda, while more expensive than other jurisdictions, is home to many of the largest insurance companies in the world. St. Lucia, a more reasonably priced location for smaller captives, is noteworthy for statutes that are both progressive and compliant. St. Lucia is also acclaimed for recently passing "Incorporated Cell" legislation, modeled after similar statutes in Washington, DC.
Common Captive Insurance Abuses; While captives remain highly beneficial to many businesses, some industry professionals have begun to improperly market and misuse these structures for purposes other than those intended by Congress. The abuses include the following:
  1. Improper risk shifting and risk distribution, aka "Bogus Risk Pools"
  2. High deductibles in captive-pooled arrangements; Re insuring captives through private placement variable life insurance schemes
  3. Improper marketing
  4. Inappropriate life insurance integration
Meeting the high standards imposed by the IRS and local insurance regulators can be a complex and expensive proposition and should only be done with the assistance of competent and experienced counsel. The ramifications of failing to be an insurance company can be devastating and may include the following penalties:
  1. Loss of all deductions on premiums received by the insurance company
  2. Loss of all deductions from the premium payer
  3. Forced distribution or liquidation of all assets from the insurance company effectuating additional taxes for capital gains or dividends
  4. Potential adverse tax treatment as a Controlled Foreign Corporation
  5. Potential adverse tax treatment as a Personal Foreign Holding Company (PFHC)
  6. Potential regulatory penalties imposed by the insuring jurisdiction
  7. Potential penalties and interest imposed by the IRS.
All in all, the tax consequences may be greater than 100% of the premiums paid to the captive. In addition, attorneys, CPA's wealth advisors and their clients may be treated as tax shelter promoters by the IRS, causing fines as great as $100,000 or more per transaction.
Clearly, establishing a captive insurance company is not something that should be taken lightly. It is critical that businesses seeking to establish a captive work with competent attorneys and accountants who have the requisite knowledge and experience necessary to avoid the pitfalls associated with abusive or poorly designed insurance structures. A general rule of thumb is that a captive insurance product should have a legal opinion covering the essential elements of the program. It is well recognized that the opinion should be provided by an independent, regional or national law firm.
Risk Shifting and Risk Distribution Abuses; Two key elements of insurance are those of shifting risk from the insured party to others (risk shifting) and subsequently allocating risk amongst a large pool of insured's (risk distribution). After many years of litigation, in 2005 the IRS released a Revenue Ruling (2005-40) describing the essential elements required in order to meet risk shifting and distribution requirements.
For those who are self-insured, the use of the captive structure approved in Rev. Ruling 2005-40 has two advantages. First, the parent does not have to share risks with any other parties. In Ruling 2005-40, the IRS announced that the risks can be shared within the same economic family as long as the separate subsidiary companies ( a minimum of 7 are required) are formed for non-tax business reasons, and that the separateness of these subsidiaries also has a business reason. Furthermore, "risk distribution" is afforded so long as no insured subsidiary has provided more than 15% or less than 5% of the premiums held by the captive. Second, the special provisions of insurance law allowing captives to take a current deduction for an estimate of future losses, and in some circumstances shelter the income earned on the investment of the reserves, reduces the cash flow needed to fund future claims from about 25% to nearly 50%. In other words, a well-designed captive that meets the requirements of 2005-40 can bring about a cost savings of 25% or more.
While some businesses can meet the requirements of 2005-40 within their own pool of related entities, most privately held companies cannot. Therefore, it is common for captives to purchase "third party risk" from other insurance companies, often spending 4% to 8% per year on the amount of coverage necessary to meet the IRS requirements.
One of the essential elements of the purchased risk is that there is a reasonable likelihood of loss. Because of this exposure, some promoters have attempted to circumvent the intention of Revenue Ruling 2005-40 by directing their clients into "bogus risk pools." In this somewhat common scenario, an attorney or other promoter will have 10 or more of their clients' captives enter into a collective risk-sharing agreement. Included in the agreement is a written or unwritten agreement not to make claims on the pool. The clients like this arrangement because they get all of the tax benefits of owning a captive insurance company without the risk associated with insurance. Unfortunately for these businesses, the IRS views these types of arrangements as something other than insurance.
Risk sharing agreements such as these are considered without merit and should be avoided at all costs. They amount to nothing more than a glorified pretax savings account. If it can be shown that a risk pool is bogus, the protective tax status of the captive can be denied and the severe tax ramifications described above will be enforced.
It is well known that the IRS looks at arrangements between owners of captives with great suspicion. The gold standard in the industry is to purchase third party risk from an insurance company. Anything less opens the door to potentially catastrophic consequences.
Abusively High Deductibles; Some promoters sell captives, and then have their captives participate in a large risk pool with a high deductible. Most losses fall within the deductible and are paid by the captive, not the risk pool.
These promoters may advise their clients that since the deductible is so high, there is no real likelihood of third party claims. The problem with this type of arrangement is that the deductible is so high that the captive fails to meet the standards set forth by the IRS. The captive looks more like a sophisticated pre tax savings account: not an insurance company.
A separate concern is that the clients may be advised that they can deduct all their premiums paid into the risk pool. In the case where the risk pool has few or no claims (compared to the losses retained by the participating captives using a high deductible), the premiums allocated to the risk pool are simply too high. If claims don't occur, then premiums should be reduced. In this scenario, if challenged, the IRS will disallow the deduction made by the captive for unnecessary premiums ceded to the risk pool. The IRS may also treat the captive as something other than an insurance company because it did not meet the standards set forth in 2005-40 and previous related rulings.
Private Placement Variable Life Reinsurance Schemes; Over the years promoters have attempted to create captive solutions designed to provide abusive tax free benefits or "exit strategies" from captives. One of the more popular schemes is where a business establishes or works with a captive insurance company, and then remits to a Reinsurance Company that portion of the premium commensurate with the portion of the risk re-insured.
Typically, the Reinsurance Company is wholly-owned by a foreign life insurance company. The legal owner of the reinsurance cell is a foreign property and casualty insurance company that is not subject to U.S. income taxation. Practically, ownership of the Reinsurance Company can be traced to the cash value of a life insurance policy a foreign life insurance company issued to the principal owner of the Business, or a related party, and which insures the principle owner or a related party.
submitted by kadalisyu to globalnsuranceco [link] [comments]


2020.12.02 15:43 TyrilStarfuryIsMyBAE Which Castellano? (I sugest you vote after you finish Obsession)

(I'm including Lucia in here just because... why not)

View Poll
submitted by TyrilStarfuryIsMyBAE to StoriesLoveandChoices [link] [comments]


2020.12.02 15:27 DustScrew Ladies of Devil May Cry

I just noticed this and i was surprised. Although you guys might already know about it. But anyway, the thing that i noticed was that the Devil May Cry series has always introduced a new Female Character for every new edition to the Franchise. Like we got-
Trish from DMC 1
Lucia from DMC 2
Lady from DMC 3
Kyrie from DMC 4
Kat from DmC (Ninja Theory) and finally
Nico from DMC 5
I wonder who they’re going to introduce in DMC 6. Nero’s mom?
Anyway this polls’ about DMC women. So i wanted to know who is your favourite DMC female character. Choosing someone was harder than i anticipated. Definitely wanna know the community’s favourite.
View Poll
submitted by DustScrew to DevilMayCry [link] [comments]


2020.12.02 15:17 Galenus15 Making a power ranking because why not

You know how it is. I make the ranking and you correct me in the comments. Lets get started
  1. Nero (end of 5)
  2. Dante and Vergil (end of 5)
  3. Urizen
  4. Dante (start of 5)
  5. Dante (4)
  6. Dante (2)
  7. Sparda?
  8. Dante (anime)
  9. Dante (end of 1)
  10. Argosax
  11. Mundus
  12. Abigail
  13. Arkham
  14. Dante (start of 1)
  15. Nelo Angelo
  16. Dante (end of 3)
  17. Vergil (3)
  18. Nero (4)
  19. Sanctus
  20. Lucia
  21. Arius
  22. Dante (start of 3)
  23. Nero (start of 5)
  24. Malphas and other high ranking demons
  25. V
  26. Trish
  27. Lady
submitted by Galenus15 to DevilMayCry [link] [comments]


2020.12.02 15:03 bluerabbit25 Why is St Lucia, Dominica and Mauritius often excluded when websites etc talk about French speaking countries?

submitted by bluerabbit25 to languagelearning [link] [comments]


2020.12.02 14:36 PhilGooodInc [Spoilers] On my third playthrough, I did something by accident and it blew my mind.

So my playthroughs for this game have been like this
1st: Emily - Stealthy(ish)/High Chaos. Her powers felt more suited to high chaos and killing. I played it like I was watching an action movie, killing all the traitorous guards and witches, siding with the overseers, not killing the Duke and killing Delilah. It just felt like the right thing to do.
2nd: Corvo - Stealth/Low Chaos - This playthrough was all about getting clean hands and shadow achievements. Only take out guards if necessary, hide the bodies.
3rd: Corvo - No Powers/High Chaos - Maxed out my gear ASAP and just get it done with only quick loading after a death.
I got to Stilton's manor, and after decapitating the first guard i saw, I decided to taunt the guards guarding Stilton. They all flocked around the head I threw at them, and I jumped down obliterated those poor guards to pieces. Stilton runs off, I go after him to see if I can talk to him, but he was too scared. He runs off again, I choke him out as a reflex. Corvo says something along the lines of "I wonder what the changes are with Stilton unconscious."
Here is where my mind completely blows. Both my previous game plays have just left Stilton be to go mad. spoiler I was in amazement for a good half an hour.
It's now been about 5 Hours since I completed the level, I just wanted to express my appreciation to those involved in this level! My mind is still blown and can't stop thinking about it, how I completely missed it twice, and almost for a third time!
submitted by PhilGooodInc to dishonored [link] [comments]


2020.12.02 13:33 IIWIIM8 Global COVID Cases For 02DEC20

Summary As Of: 02DEC2020 @ 23:20 GMT
Countries 218 + 2
Cases 64,783,509
Deaths 1,497,882
Recovered 44,888,745
Active Cases 18,396,882

Countries reporting new cases in this update: 170

Countries reporting new deaths in this update: 115

w/Active cases w/No Active cases w/All cases rcvrd
Cntry’s 211 3 4
Cases 64,783,509 454 69
Deaths 1,497,882 27 0
Rcvrd 44,888,745 427 69

Daily totals of new: cases, deaths & recoveries

Date Cases Deaths Rcvr’s
30NOV 503,264 8,436 437,433
01DEC 585,511 11,931 456,971
02DEC 595,098 11,888 448,114

Cases, Deaths, Active by Continent *

Cont Cases Deaths Active
Europe 17,638,524 405,632 7,634,850
Asia 16,998,511 295,121 15,075,984
N A 16,603,668 415,588 10,177,150
S A 11,283,846 327,870 10,091,855
Africa 2,212,926 52,638 1,875,157
Oceania 45,313 1,018 33,090
World 64,783,509 1,497,882 44,888,745

Countries with Active Cases *

Country Cases Deaths Recoveries
USA 14,288,941+ 279,569+ 8,439,923+
India 9,531,295+ 138,628+ 8,968,002+
Brazil 6,436,650+ 174,515+ 5,698,353+
Russia 2,347,401+ 41,053+ 1,830,349+
France 2,244,635+ 53,816+ 165,563+
Spain 1,682,533+ 45,784+ N/A
UK 1,659,256+ 59,699+ N/A
Italy 1,641,610+ 57,045+ 823,335+
Argentina 1,440,103+ 39,156+ 1,268,358+
Colombia 1,334,089+ 37,117+ 1,225,635+
Mexico 1,122,362+ 106,765+ 829,817+
Germany 1,105,832+ 17,812+ 779,500+
Poland 1,013,747+ 18,208+ 622,980+
Iran 989,572+ 48,990+ 688,054+
Peru 965,228+ 36,031+ 896,978+
South Africa 796,472+ 21,709+ 734,305+
Ukraine 758,264+ 12,717+ 369,054+
Turkey 700,880+ 14,129+ 414,141+
Belgium 579,212+ 16,786+ 37,924+
Iraq 556,728+ 12,340+ 486,313+
Chile 553,898+ 15,438+ 529,501+
Indonesia 549,508+ 17,199+ 458,880+
Netherlands 532,444+ 9,504+ N/A
Czechia 530,883+ 8,507+ 455,509+
Romania 484,550+ 11,665+ 371,231+
Bangladesh 469,423+ 6,713+ 385,786+
Philippines 434,357+ 8,436+ 399,005+
Pakistan 403,311+ 8,166+ 345,365+
Canada 387,017+ 12,301+ 307,993+
Morocco 364,190+ 5,985+ 314,237+
Saudi Arabia 357,872+ 5,919+ 347,513+
Israel 339,619+ 2,883+ 325,260+
Switzerland 335,660+ 5,045+ 257,600+
Portugal 303,846+ 4,645+ 223,446+
Austria 289,461+ 3,446+ 233,657+
Sweden 266,158+ 6,972+ N/A
Nepal 236,246+ 1,538+ 218,161+
Jordan 227,208+ 2,854+ 168,429+
Hungary 225,209+ 5,142+ 65,888+
Ecuador 194,876+ 13,562+ 169,804
Serbia 191,356+ 1,704+ 31,536
UAE 171,434+ 580+ 156,380+
Panama 167,311+ 3,098+ 145,518+
Bulgaria 151,913+ 4,347+ 55,206+
Japan 150,386+ 2,172+ 127,304+
Dominican Republic 145,197+ 2,334+ 115,611+
Bolivia 144,810+ 8,963+ 122,495+
Georgia 143,376+ 1,342+ 121,621+
Kuwait 143,260+ 882+ 138,134+
Costa Rica 141,340+ 1,739+ 88,226+
Belarus 139,908+ 1,174+ 117,195+
Qatar 139,256+ 239+ 136,513+
Armenia 137,231+ 2,228+ 111,795+
Croatia 134,881+ 1,916+ 110,355+
Kazakhstan 133,118+ 1,990 117,362+
Lebanon 131,297+ 1,055+ 83,034
Azerbaijan 129,544+ 1,470+ 79,162+
Oman 124,145+ 1,430 115,613+
Guatemala 123,460+ 4,191+ 112,181+
Egypt 116,724+ 6,694+ 102,949+
Ethiopia 110,984+ 1,715+ 76,067+
Moldova 110,580+ 2,343+ 96,711+
Greece 109,655+ 2,606+ 9,989
Slovakia 109,226+ 898+ 71,738+
Honduras 108,641+ 2,927+ 48,556+
Venezuela 102,621+ 901+ 97,562+
Tunisia 99,280+ 3,359+ 73,607+
Myanmar 93,600+ 1,998+ 72,601+
Bosnia and Herzegovina 90,378+ 2,773+ 54,967+
Palestine 90,192+ 763+ 66,989+
Bahrain 87,270+ 341 85,463+
China 86,551+ 4,634 81,649+
Kenya 85,130+ 1,484+ 56,464+
Algeria 84,152+ 2,447+ 54,405+
Libya 84,087+ 1,200+ 54,712+
Denmark 83,535+ 852+ 66,086+
Paraguay 83,479+ 1,771+ 58,949+
Slovenia 79,566+ 1,547+ 57,447+
Kyrgyzstan 73,513+ 1,277+ 65,189+
Uzbekistan 73,335+ 611+ 70,534+
Ireland 73,066+ 2,074+ 23,364
Malaysia 68,020+ 365+ 56,969+
Nigeria 67,838+ 1,176+ 63,430+
Lithuania 64,621+ 547+ 25,278+
North Macedonia 63,890+ 1,825+ 40,977+
Singapore 58,230+ 29 58,144+
Ghana 51,667 323 50,547
Afghanistan 46,980+ 1,822+ 37,026+
Albania 39,719+ 839+ 19,912+
El Salvador 39,130 1,129+ 35,839
Norway 36,789+ 351+ 27,414
Montenegro 36,351+ 510+ 25,409+
Luxembourg 35,802+ 334+ 26,497+
S. Korea 35,163+ 526 28,065+
Australia 27,923+ 908 25,612+
Finland 25,882+ 408+ 18,100+
Sri Lanka 25,410+ 124+ 18,304+
Cameroon 24,487+ 441+ 22,177
Uganda 21,409+ 206+ 9,044
Ivory Coast 21,361+ 132 21,010+
Latvia 18,377+ 224+ 1,823+
Sudan 18,045+ 1,255+ 10,369+
Zambia 17,700+ 357 17,086+
Madagascar 17,341 251 16,657
Senegal 16,173+ 334+ 15,657+
Mozambique 15,866+ 132+ 14,014+
Angola 15,319+ 351+ 8,139+
French Polynesia 14,559+ 76+ 4,842
Namibia 14,477+ 151 13,697+
Guinea 13,143+ 76 12,154+
Maldives 13,070+ 47 12,001+
Estonia 13,019+ 122+ 7,608+
DRC 12,987+ 336+ 11,694+
Tajikistan 12,269+ 87+ 11,677+
French Guiana 11,283+ 70 9,995
Cyprus 11,175+ 52+ 2,057
Jamaica 10,864+ 258 6,500+
Cabo Verde 10,816+ 106+ 10,366+
Botswana 10,742 34 7,912
Zimbabwe 10,129+ 277 8,643+
Malta 10,101+ 146+ 7,887+
Haiti 9,296+ 233 8,023
Gabon 9,214 60 9,066
Mauritania 8,710+ 177 7,764+
Guadeloupe 8,427+ 149 2,242
Cuba 8,381 136 7,658
Réunion 8,102+ 40 7,172
Syria 8,059+ 426+ 3,689+
Bahamas 7,543+ 163 5,934+
Andorra 6,842+ 76 5,988+
Trinidad and Tobago 6,704+ 121+ 5,843+
Hong Kong 6,500+ 110+ 5,394+
Eswatini 6,455+ 122 6,032+
Malawi 6,040+ 185 5,471+
Uruguay 6,024+ 78+ 4,483+
Rwanda 5,994+ 50+ 5,575+
Belize 5,854 148 3,151
Nicaragua 5,838+ 161+ 4,225
Congo 5,774 94 4,988
Djibouti 5,682+ 61 5,587
Martinique 5,520+ 41+ 98
Guyana 5,449+ 151 4,530+
Iceland 5,413 27 5,187
Suriname 5,319+ 117 5,197+
Mayotte 5,181 49 2,964
Equatorial Guinea 5,156+ 85 5,009
CAR 4,918+ 63 1,924
Aruba 4,902+ 45 4,718+
Mali 4,837+ 161+ 3,263+
Somalia 4,525+ 121+ 3,480+
Thailand 4,026+ 60 3,822+
Gambia 3,743+ 123 3,607+
South Sudan 3,111 61 2,954
Benin 3,015 43 2,839
Togo 2,997+ 64 2,515+
Burkina Faso 2,931 68 2,644
Curaçao 2,503+ 7+ 1,191+
Guinea-Bissau 2,441 44 2,327
Sierra Leone 2,416+ 74 1,838
Yemen 2,217+ 621+ 1,518+
Lesotho 2,142+ 44 1,278
New Zealand 2,060+ 25 1,963+
Chad 1,705+ 102 1,539+
San Marino 1,687+ 46 1,340+
Niger 1,640+ 76+ 1,227+
Liberia 1,595 83 1,343
Channel Islands 1,397+ 48 1,012
Vietnam 1,358+ 35 1,201+
Liechtenstein 1,318+ 16 1,149+
Sint Maarten 1,072+ 25 973+
Gibraltar 1,035+ 5 954+
Sao Tome and Principe 997+ 17 934
Mongolia 812+ 0 358
Turks and Caicos 750+ 6 720+
Saint Martin 717 12 641
Burundi 689 1 575
Taiwan 685+ 7 570+
Papua New Guinea 669+ 7 597
Monaco 617 3 559
Comoros 613 7 586
Eritrea 577 0 498
Tanzania 509 21 183
Mauritius 505 10 463
Faeroe Islands 503 0 500
Bhutan 414+ 0 386+
Cambodia 329+ 0 304
Cayman Islands 285+ 2 254
Barbados 279+ 7 255
Bermuda 262+ 9 214
Saint Lucia 261+ 2 141+
Seychelles 183 0 162
Caribbean Netherlands 162 3 157
Brunei 151 3 145
St. Barth 147 1 105
Antigua and Barbuda 144+ 4 133+
Dominica 85 0 63
St. Vincent Grenadines 85 0 80
Fiji 42 2 33
Grenada 41 0 30
Laos 39 0 26
New Caledonia 33 0 32
Timor-Leste 31+ 0 30
Vatican City 27 0 15
Saint Kitts and Nevis 22 0 19
Falkland Islands 17+ 0 15+
Solomon Islands 17 0 5
Saint Pierre Miquelon 16 0 14+
Western Sahara 10 1 8
Anguilla 6 0 3
Wallis and Futuna 3 0 1
Samoa 2 0 0
Total: 64,783,509 1,497,882 44,888,745

Countries with No Active Cases

Country Cases Deaths Rcvrd
Greenland 18 0 18
Macao 46 0 46
Marshall Islands 4 0 4
Vanuatu 1 0 1
Total: 69 0 69

Countries with All Cases Resolved

Country Cases Deaths Rcvrd
British Virgin Islands 72 1 71
Isle of Man 369 25 344
Montserrat 13 1 12
Total: 454 27 427

International Conveyances

Intl Cnvy Cases Deaths Rcvrd
Diamond Princess 712 13 659
MS Zaandam 9 2 0
Total: 721 15 659
Source Notations * Full Chart
submitted by IIWIIM8 to nCoV [link] [comments]