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Working From Home Tips

https://www.msn.com/en-ca/money/entrepreneur/ive-been-working-from-home-for-almost-10-years-—-these-are-the-6-tricks-i-use-to-get-more-done-in-less-time/ss-BBPEQ1L?ocid=spartanntp#image=7

 

Working From home tips

Some great ideas I came across

I encourage people to work from home if they can.

There is some good tax deductions that you can take advantage of as well. 

Tim

6. I cut myself some slack.

5. I log out of my email during a particularly pressing project.

4. I eat well.


In addition to helping you maintain a healthy weight, eating well helps increase energy levels as well as your ability to focus. What "eating well" looks like will differ to everyone, but for me it includes a lot of fresh vegetables, a moderate amount of protein, and a diet that's high in healthy fats and low in carbohydrates and sugar, which can cause crashes in excess.

3. I listen to ASMR videos on YouTube. ( I like this, I actuay invested in Premium YouTube so I can listen and work on my phone without it cutting out, speakers to hear better as well)

2. I get up from my desk at least once an hour.

1. I set a schedule.

 

Personally I work from home a bit, mainly when I am doing research and planning for my  meeting schedules and business planning.  Tips 2-3-4-6 are what I practice :)

Be blessed 

Tim

Word of the day  - Recalcitrant 

https://www.merriam-webster.com/word-of-the-day/recalcitrant-2018-11-13

Code for "Stubborn like a Mule " !

1 : obstinately defiant of authority or restraint
2 a : difficult to manage or operate
b : not responsive to treatment
c : resistant

Did You Know?
Long before any human was dubbed "recalcitrant" in English (that first occurred in the 18th century), there were stubborn mules (and horses) kicking back their heels. The ancient Romans noted as much (Pliny the Elder among them), and they had a word for it: recalcitrare, which literally means "to kick back." (Its root calc-, meaning "heel," is also the root of calcaneus, the large bone of the heel in humans.) Certainly Roman citizens in Pliny's time were sometimes willful and hardheaded—as attested by various Latin words meaning "stubborn"—but it wasn't until later that writers of Late Latin applied recalcitrare and its derivative adjective to humans who were stubborn as mules.

 

 

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Trudeau Make The Call

A little social challenge in todays post. A plea to sign a petition to help a young family and a gofundme page to help them with their plight.

 

https://www.change.org/p/justin-trudeau-bring-the-moran-s-home-to-canada?recruiter=15625895&utm_source=share_petition&utm_medium=facebook&utm_campaign=psf_combo_share_initial.pacific_abi_select_all_contacts.select_all.pacific_email_copy_en_us_3.control.pacific_email_copy_en_us_5.v1.pacific_email_copy_en_gb_4.v1.pacific_post_sap_share_gmail_abi.fake_control.lightning_share_by_medium_message.control.lightning_2primary_share_options_more.control&utm_term=share_petition&utm_content=fhtdec-13864563-en-ca%3Av1&fbclid=IwAR2GokidDJHUTPTOVop4-D4f99Kxaa6nqFuxeD8i_MstkeFYDMrqaR5QiXc

 

Bring Ayo Home, Go Fund Me Page

The Moran's are now over 100 days in Ghana waiting for our Canadian High Commissioner to approve the paperwork that will allow the family to bring their newly adopted son Ayo home. We started a petition yesterday encouraging Trudeau to make the call to get this done. We will post a link below for you to review. We admonish you to sign the petition and share with your friends, the government continues to pass the buck on this, we need to keep them accountable. Also please give as you are lead in your spirit and as your budget permits. May be you cover a half day like we did or simply a few hours of a day, everything helps. These delays are costing them $200 a day and with these excessive delays, the financial burden has exceeded all expectations. There is a video link in the petition that we encourage you to watch. Thank you Timothy Ross & Megan Elizabeth

https://www.gofundme.com/bringinghomeayo?fbclid=IwAR07vViR-CycCP62wUaaLWPnqY3Vbbm27VtMia0lMnV60SkC8IRPOJdblqI

 

Please Sign The Petition

https://www.change.org/p/justin-trudeau-bring-the-moran-s-home-to-canada?recruiter=15625895&utm_source=share_petition&utm_medium=facebook&utm_campaign=psf_combo_share_initial.pacific_abi_select_all_contacts.select_all.pacific_email_copy_en_us_3.control.pacific_email_copy_en_us_5.v1.pacific_email_copy_en_gb_4.v1.pacific_post_sap_share_gmail_abi.fake_control.lightning_share_by_medium_message.control.lightning_2primary_share_options_more.control&utm_term=share_petition&utm_content=fhtdec-13864563-en-ca%3Av1&fbclid=IwAR34XIu8q-scsZk6pSqz2XQQm2TgjkCs9-IQyutTV4iV90Jd4AougJLrZ4E

We have 32 supporters as of writing this blog. It often takes a few days to build momentum. 

Problem
"Kim Moran has been stuck in Africa for the past three months waiting for Ottawa to process documents and is now pleading for help. She said the adoption is complete but that the government is failing in its responsibility to bring them home.

“Everything they have asked for we have given them. We’ve had all the forms authenticated by the Ministry of Foreign Affairs, all the forms are in order,” she told Global News via Skype. “This is a process that in most places, would have only taken a week.”

Diagnosed with multiple sclerosis, Kim requires a special diet and medication. Her mother said the ordeal has been hard on her health. “It needs to be monitored every month,” Cindy Jeans said from her home in Port Hope, Ont.
“She needs to get home to see her specialist to get the proper care that she needs.”

The above has been extracted from the report on Global News, see the link for more details& video: https://globalnews.ca/news/4630903/canadian-family-adoption-baby-africa/
The Prime Minister, Justin Trudeau, is well aware of this situation! Please click the link below and watch !! Question was asked last week when they would act to bring this family home in the Question Period at the House of Commons
https://www.facebook.com/ed.fast.10/videos/1960603197341287/
Trudeau simply needs to make the call!!

Solution
These Canadians have respected the rules, which began over three years ago. They have been approved , and this should have taken no more than 7-10 days to be cleared. We are now over 100 days!! The application simply needs to be approved so that they can come home with their adopted son, Ayo. It's being held up by the Canadian process, not Ghana. Justin Trudeau, 613-992-4211 or justin.trudeau@parl.gc.ca, needs to make the call to the Canadian High Commissioner in Accra, Ghana ,
Ms. Heather Ann Cameron.
Contact info: 233-30-221-1521 , accra@international.gc.ca
Perhaps Ghana's Honorary Consul General in BC can be of assistance in moving this forward as well, Mr. George Addei-Piprah.
Contact Info: 1-604-715-6624, gpiprah@aol.com


Personal story
We have watched this unfold and are very concerned for the Moran family. Tim has known Clark and Kim since they were teenagers at Highway Pentecostal Church and watched them grow up, get married, seen them launched into Ministry and seen their struggles with Kim's MS, and we celebrated their courageous and loving decision to adopt a child. It is heart breaking to see the delays, and agonize over the health, the incredible financial stress our government has inflicted on this young family because of these needless delays. We have reached out to those that should have been able to encourage a resolution through normal channels , however there has been nothing done. We feel a petition should be created to bring additional awareness to this problem. It is affecting other families as well. As a nation we need to stand and support those that want to make a positive difference in a child's life. Thank you for your support by signing this petition and encouraging others to do so as well. Megan & Tim Ross

 

 

 

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Privacy Sleep

https://www.sleepscore.com/privacy-policy/

I started using a sleep app last week and I frankly like the insight it gives me. Helps me understand what I am doing right and what needs to improve. I gt off to a rocky start with gettig setup, minor really, I figured it out in 2 minutes. 2 minutes, wow, how impatient we have become with technology. We are very instant in our expectations. So, I am going into day seven where the data I have will the opportunity to upgrade and get more from the system by subscribing to it. Free vs Paid, which will it be. Frankly, I like free, who doesn't, however, you do get what you pay for and I get to make a decision is it worth knowing. Now, sleep is a very important part of our health, next to diet and exercie, everything from what I understand hinges on your sleep, so a small investment in such a service is incredible value when you consider everything you can learn, and help you stay on track and nudge you back to safety if you get off track. 

 

Now, when you start to get a bit serious about such a personal matter, you truly have an interest in their privacy policy. Well, I read it through and it gave me continued confidence in their product. I will post a copy of what I read in the comment section below.  I may want to double check the term sin the future and having an independent copy may prove beneficial down the road, and interesting to see how policies change overtime as needs and changes evolve. 

 

This week at conference I listened and was counseled by some incredible industry experts in the financial services, legal, tax and charity industries.  One of the hot topics was privacy , PIPEDA  The Personal Information Protection and Electronic Documents Act (PIPEDA) (the Act) is a Canadian law relating to data privacy. It governs how private sector organizations collect, use and disclose personal information in the course of commercial business.

https://en.wikipedia.org/wiki/Personal_Information_Protection_and_Electronic_Documents_Act

One of our speakers who works out of the Privacy Office of Canada , https://www.priv.gc.ca/en/ ; described their role and the whole reason behind these acts. He summed it up rather profoundly for me. The purpose of the act is to give Canadians confidence in doing business online. That's about it. The rest is the how and all the little steps and rules you have to follow, the reason is to provide confidence in the system, make it secure to ensure confidence in doing business online.  When I see all the misuse of data by government, I think it helps protect us a bit from governent sharing across platforms. That theroy is pure speculation and I have no strong feelings either way, however they have been known to breach very often and that is just what we heard about. As of Nov 1st, breachs have to be reported by everyone. 

Check out the link on privacy commission presenation and listen in on some of the best practices that we endevor to uphold and practice. 

Part 1 https://www.spreaker.com/episode/16150054

Part 2 https://www.spreaker.com/episode/16150045

 

 

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Life Insurance Thoughts - Best Practice Legal

Financial Services Commission of Ontario

CORRECTION: Life Insurance Agents Compliance Report: 2017/18 Examination Results

INSURANCE • NOVEMBER 8, 2018

View in browser • Le français suit

The Financial Services Commission of Ontario (FSCO) has released its 2017/18 Life Insurance Agents Compliance Report.

FSCO conducted 132 on-site examinations and 94 desk reviews of higher- and medium-risk life agents, and found concerning trends in non-compliant activities.

Protect your business

To better protect yourself, your clients, and your business, ask yourself:

  • Do you disclose to clients, in writing, all the insurers you represent?
  • Do you complete the mandatory 30 hours of continuing education credits within every two-year licensing period?
  • Do you have valid Errors and Omissions insurance coverage?
  • Do you document your needs assessments, client discussions and recommendations to clients?
  • If your client chooses not to follow your recommendation, do you get their written acknowledgment?

These are just some of your responsibilities as a licensed life agent. Make sure you understand all of your obligations under the Insurance Act and regulations, as well as industry best practices.

You should also review our new Treating Financial Services Consumers Fairly Guideline to understand FSCO's expectations and to better protect your clients and your business.

FSCO will continue to look for evidence of compliance with both legislative requirements and best practices during on- and off-site examinations.

Taking Action

As our year-over-year examinations have not shown a significant improvement in compliance, we will be taking action to address these trends. Read the full report to learn what steps we're taking.

 

READ REPORT

 
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Please note: If you are a regulated licensee/registrant, regardless of whether or not you subscribe to e-communications, you will automatically receive important information from FSCO via the e-mail address you have provided. More importantly, as a regulated licensee/registrant, you will not be able to unsubscribe from these important email communications.

Financial Services Commission of Ontario
5160 Yonge Street, P.O Box 85 • Toronto, ON M2N 6L9
www.fsco.gov.on.cacontactcentre@fsco.gov.on.ca
1-800-668-0128 • © Queen's Printer for Ontario, 2018

 
 
 
Financial Services Commission of Ontario

CORRECTION: Rapport de conformité sur les agents d'assurance-vie — Résultats des examens de 2017-2018

D'ASSURANCE • 8 NOVEMBRE 2018

Afficher dans le navigateur

La Commission des services financiers de l'Ontario (CSFO) a publié son Rapport de conformité 2017-2018 sur les agents d'assurance-vie.

La CSFO a mené 132 examens sur place et 94 examens de suivi auprès d'agents d'assurance-vie présentant un risque élevé ou modéré et a constaté des tendances préoccupantes parmi les activités non conformes.

Protéger votre entreprise

Afin de mieux vous protéger et de mieux protéger vos clients et votre entreprise, posez-vous les questions suivantes :

  • Divulguez-vous par écrit à vos clients tous les assureurs que vous représentez?
  • Suivez-vous les 30 heures de formation continue obligatoire pour chaque période de renouvellement de 2 ans?
  • Avez-vous une assurance responsabilité civile professionnelle valide?
  • Documentez-vous vos évaluations des besoins, vos discussions avec les clients et vos recommandations aux clients?
  • Si un client décide de ne pas suivre votre recommandation, lui demandez-vous une confirmation par écrit?

Voilà quelques-unes de vos responsabilités à titre d'agent d'assurance-vie. Assurez-vous de comprendre toutesvos obligations au titre de la Loi de 1990 sur les assurances et de ses règlements, ainsi que les pratiques exemplaires du secteur.

Vous devriez également examiner notre nouvelle Ligne directrice pour le traitement équitable des consommateurs de services financiers pour comprendre les attentes de la CSFO et mieux protéger vos clients et votre entreprise.

La CSFO continuera de vérifier la conformité aux exigences législatives et aux pratiques exemplaires lors d'examens sur place et hors site.

Mesure à prendre

Comme nos examens d'une année à l'autre n'ont pas révélé une amélioration significative de la conformité, nous prendrons des mesures pour traiter ces tendances. Lisez le rapport complet pour découvrir les mesures que nous prenons.

 

LIRE LE RAPPORT

 
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Remarque : Si vous êtes un ou une titulaire de permis ou déclarant(e) touché(e) par la réglementation, que vous soyez inscrit(e) ou non aux communications électroniques, vous recevrez automatiquement des renseignements importants de la CSFO à partir de l'adresse électronique que vous avez fournie. De plus et surtout, à ce titre, vous ne pourrez pas vous désinscrire de ces importantes communications envoyées par courriel.

Commission des services financiers de l'Ontario
5160, rue Yonge, C.P. 85 • Toronto (Ontario) M2N 6L9
www.fsco.gov.on.cacontactcentre@fsco.gov.on.ca
1 800 668 0128 • © Imprimeur de la reine pour l'Ontario, 2018

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The CRA call action protection plan

https://thenectarine.ca/politics/canadians-tuning-out-real-cra-agents-because-of-cra-phone-scammers/ 

 
I was reminded today our advisors conference that clients should be simply referring any and all calls they get from CRA to us or their authorized representative. 
 
This will I’ll help protect you from CRA scams and protect you from CRA themselves. 
 
Cra agents are compeled to redirect their calls calls to the representative and deal with the matter Professionally. 
 
They kniw now who the authorized representative is, so you should jut tell them or confirm. Doing that can perpetrate a fraud act if that is the case. There is a high volume of activity out there. 
 
At our firm firm we are able to work on your behalf.  Please let us know if the call and we will make a note of it in your fine and confirm if there is any activity actually concerning on your file. 
 
I would also advise us of any corespondece as well, I can see that being the next way they try and scam people. 
 
If if you do not have an authorized representative on file and you would like representation please contact our office to see if that can be arranged for you. 
 
As we develop our our membership offerings this will be one of our official Omega Stewardship services going forward in the members plan. 
 
Thank you
Tim Ross, Family Advisor ®
Family Office providing Omega Stewardship ®
613-345-0016 Office advisor@timothyross.com
 
Helping Families Achieve ...Life’s Major Goals ®
 
OMEGA STEWARDSHIP  ®
* One Stop Process Driven Approach for Retirement & Income Planning
* Personalized Tax Management Solutions for Individuals & Business Owners
* Confidential Wealth Management Solutions
 
Mutual Funds through Professional Investments 
 
Brock Shores Financial 
#ImprovingFutures
 
 
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Green Energy Thoughts

http://www.visualcapitalist.com/video-preparing-for-the-energy-needs-of-the-future/

 

After watching the video in this article a couple things strike me. 

In Canada we have the upcoming cap and trade swap of funds which I don’t see helping much. Then in  Ontario there was a massive addition to the grid of solar and wind which has been overpriced compared to fossil fuel to encourage development, but too much has been produced vs what is required, so this has beenreally messed up. A good thing has been tarnished. Perhaps I am kind and thinking this is a typical result when governments get involved. 

On the positive we have capacity and excess. 

However the government has missed the “find efficiencies “  part of the plan.

i heard yesterday how Ontario has to pay billions to get rid of the excess energy generated from our green solar and wind productions. 

I am reminded of  Jeremie Riffkins book and presentation a number of years ago about the hydrogen economy. How that would all integrate. That advice in the book has not happened to the best of my knowledge, or I have not seen it.  If it did and it should we would have a pretty amazing system amen stewardship of our green resources. 

Ontario government has just cancelled I believe over 700 new installation contracts as it has too much electricity and no way to store it. https://www.spreaker.com/episode/16149573

Money should have been invested into the storing as part of the Hydrogen Economy. Maybe it is happening someplace.  Let’s hope that vision gets resurrected and we move forward in this world.

That part of the production has to be realistically fixed before moving forward with more large scale green energy production in a perfect world. Saying that it should still be expanded. Would be good to find lower cost options for solar and wind as well. We all should be producing our own if and when possible. 

This is not my only thought on the matter, a simple observation. 

TLR

 

a windy sunny day

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Just Breathe

https://youtu.be/hnjeMwxFuBA

Just Breathe, an up beat song, reminding us to Just Breathe 

one of the most important part of my physical training is to breathe properly. 

That is critical to progress and recovery. 4 in , pause, 8 out, pause , breathing from your gut through your nose. Not your mouth, not your chest. Don’t forget to breathe. Slow it down, get the oxygen in and out. Your body , every cell needs the life giving oxygen flowing through the blood. 

So when life is going fast, feels a little crazy, just breathe and thank God for ever breath. 

TLR

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To Good To Toss

http://www.2good2toss.com/who

 

Local Company impacting our planet !

 

Sustainable ideas 

https://youtu.be/5YieVapaR1A

 

With the proposed carbon tax being mandated by the federal government, lots of discussions on this issue. 

My biggest concern is the giving away of rebates to all Canadians , frankly it’s simply a tax redistribution scheme. 

Perhaps, to qualify for the credit, one had to participate in  a info course online on how to reduce their carbon foot print to make them eligible for the rebate. I could accept that. The intent would be to educate which would encourage wider adaptation of best practices. The more you learn, the bigger your credit and eligibility for other grants perhaps.

Education is key. 

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Public Policy Dialogue for Charities

 

http://www.carters.ca/pub/bulletin/charity/2018/chylb434.pdf

 



Terrance S. Carter  B.A., LL.B., TEP, Trade-mark Agent and Ryan M. Prendergast  B.A., LL.B. 
On October 25, 2018, the Department of Finance Canada tabled in the House of Commons a Notice of Ways and Means Motion,  which contained a number of amendments to the Income Tax Act ("ITA")  and other legislation to implement certain provisions previously announced in Budget 2018 and other measures, including amendments to the ITA to modify the rules governing political activities (now referred to as "public policy dialogue and development activities") by charities in Canada. The proposed amendments were introduced as Bill C-86, Budget Implementation Act, 2018, No. 2, ("Bill C-86"),  which received first reading on October 29, 2018, and is included as an appendix to this Charity & NFP Law Bulletin for ease of reference. Bill C-86 significantly improves upon the draft legislation released on September 14, 2018 by the Department of Finance Canada ("September Draft Legislation"),  discussed in last month's Charity & NFP Law Bulletin No. 428
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Set Your Sails in the Gales

Set your sails, the gales blow, yet the sails set will guide you in the direction you want to go, vs the direction of the gales.

 

I started a book a number of years ago, “Set Your Sails... Your Guide To Financial Freedom”

Well, I never finished it. I am reminded today to pull up my socks and get that done. 

 

Todays devotion speaks to sailing and some thought provoking counsel that we all can benefit from. Joseph has a wonderful story, so much can be drawn from his life. Here is one part of it Joseph's Temptation (Part 2 of 2) - Broadcast - Truth For Life https://www.truthforlife.org/broadcasts/2018/10/31/josephs-temptation-part-2-of-2/

 

 

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Elected Compliance

We received our reminder this morning regarding compliance reporting if you have a client who is an elected official.

If your a newly elected candiate you should let your advisor know of your change in status. This is a little thing that may get overlooked in the excitement of securing your position, however compliance is a serious matter and proper due dilegence is requried to ensure the integrity of our systems.

If this directly affected you, Congratulations !  If your a close friend to a candiate please let them know.

"With municipal elections completed, please review your client list for any clients that may have been elected to a seat of office. If you have a client who has been elected, you must report this information to our office as per FINTRAC regulation. "

An elected municipal official is considered a "Domestic Politically Exposed Person"  http://www.fintrac-canafe.gc.ca/guidance-directives/client-clientele/Guide12/12-eng.asp

PEP for short.

The regulations also extend to members of the family of as well.

Glad to be of service

Timothy Ross

 

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Trusted Contact

i came across this article today about the trusted contact. I have discussed this with a few clients and hopefully over time will have this setup as a service that we have with all clients. 

 

Here ia the article, please post any other resources you find in the comment section for additional review. 

 

If if you have had experiences with that and are able to share, please post as well or email me in confidence at adviaor@timothyross.com

https://www.wealthprofessional.ca/market-talk/why-a-trusted-contact-person-is-a-vital-tool-249659.aspx

Thanks

Tim

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The Beginning of the Story

 

This discussion has been going on since I started serving customers and clients in this field of service. I like the proposals that my professional organization Advocis has recommended. They are common sense proposals and I know that they have put a lot of thought and work into the recommendations. They represent the advisor who wants the best for his or her customers and clients. 

 

Advocis was the result of two groups that I belonged to merged a number of years ago. I belong to a few organizations and Advocis really focuses on lobbying the government to listen to the folks actually doing the job. The way many decisions are made and many proposals are made by past governments and regulators often excludes the advisors , kinda weird if you think about it. The way it is,  we are starting to see some changes to this with the current government in my province. I don’t want to write a big long option on that, but a Saturday morning reflection , reminiscing of my own journey as it relates to this matter at hand.  

 

I shared a post from a pastor who knows the heart aches of having a family member with Alzheimer’s and it had some recommendations for language choices .  Remember vs Reminiscing, Reminiscing is the better approach .  Thank goodness my phone has spelling recommendations, Reminiscing is a word I struggle to spell correctly. Yet here I did it and I learned to adapt and move on with the aid of the tools provided. I did not have this tool when I first started. It was called a dictionary and I still have mine from public school Euphemia Township. I remember my grade one teachers name. Mrs Johnson or was it Johnston ? I do not remember what she looks like, I just remember her name and that feeling, I must of liked her. I wonder if they still let you bring a mat to school and have a nap on the floor a couple times during the day ? 

 

Now The years keep marching on, I remember when I first  started with Professional Investments , my dealer , my intermediary that held  my license and gave guidance in what where good choices to invest in, and who made sure the paperwork was done properly. I believe my business stock card from the dealer said  Sales Representative . It was not long that with my background in tax and accounting and under the guidance of my quasi branch manager / mentor Elaine Gray ( poor lady passed away much too young) and 

My new zeal for the industry I looked at the card as a way of distinguishing myself in the financial services industry and Independent Financial Advisor became card number two. This is going back to 1993 , over 25 years now.since I studied and qualified for my Mutual Fund licence and subsequent Life & Accident Sickness License being sponsored by Great West Life at that time for the Life License. 

 

After quite a few years, think about 5 years If memory services me, there was a decisions made, promoted by the regulators, OSC or perhaps it was when the MFDA got rolling, in the firm to change every one back to Sales Representatives, and discontinue the use of Independent , I think Financial Advisor was still ok. But the talk was not for long, only way to say you where a financial advisor was if you studied and achieved the CFP designation. However the writing was on the wall sort of speaking. 

 

I always was ( and still do) giving a lot of thought to branding and trying to figure my Why. Why am I doing this business?  for Whom ( that was a given in that it could be for everyone, yet specializing, niche markets are the buzz words of the day and still are, and not just my industry. The What and the How . 

 

“Where Client Goals Become Our Goals”

 

That was my first official Vision and Mission statement. I would often call that my tag line, yet it represented the vision, mission and core values of what I was doing and want to do for my customers and clients.  We write it on everything, letters, cards, magnets, spoke about , seriously got those words out there. It made more sense to me to share with prospective customers and clients and advocates what we did and how it could benefit them than engage in the discussions about what my title was. 

 

I see that the title about what I am is still being debated like it will make you a better choice in a crowded marketplace with more choice than ever before, the choice is literally insane. 

 

Now what on earth are you trying to share about Timothy ? Here is the link , 

 

Survey results underscore the need for title protection for financial advisors | Investment Executive

 

https://www.investmentexecutive.com/news/industry-news/survey-results-underscore-the-need-for-title-protection-for-financial-advisors/

As the famous and legendary fellow, would always say “Now for the rest of the story “. What was his name, do you remember ?  I will post my favourites once done writing.
 
 
 
Now for the rest of the story.
 
I decided that I did not want to get in this title game and the challenges of regulations, so I made my own .  Simple and practical, and actually better describes my who and what I do with two words. 
 
Family Advisor ®
 
And the rest is history, and another story. 
 


Thank you
Tim Ross, Family Advisor ®
Family Office providing Omega Stewardship ®
Www.BrockShoresFinancial.ca
613-345-0016 Office
613-213-4625 Cell/Text  advisor@timothyross.com

Helping Families Achieve ...Life’s Major Goals ®

OMEGA STEWARDSHIP  ®
* One Stop Process Driven Approach for Retirement & Income Planning
* Personalized Tax Management Solutions for Individuals & Business Owners
* Confidential Wealth Management Solutions

Mutual Funds through Professional Investments

Brock Shores Financial
#ImprovingFutures
 
 
 If you want to get reminded of your Why, I encourage you to connect with Gary , his Kick Ass presentations are inspirational 
 
 
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Chamber of Commerce Update

Rapid Policy Update:
Bill 47, Making Ontario Open for Business Act, 2018
 
 
Rapid Policy Update: Bill 47, Making Ontario Open for Business Act, 2018
Brockville & District Chamber of Commerce <info@brockvillechamber.com>
 
On October 23, 2018, the Government of Ontario's announced Bill 47, Making Ontario Open for Business Act, 2018. The announcement included a near full repeal of Bill 148, dissolution of the Ontario College of Trades, and improvements to the journeyperson-to-apprentice ratio.

This is a huge advocacy win on behalf of our 60,000 members in 135 communities across the province. The OCC applauds the government for taking swift action to introduce many critical reforms that we have persistently advocated for on behalf of Ontario business.
 

What do these changes mean for Ontario business?

  1. Minimum wage paused at $14 per hour.
     
  2. Partial repeal of scheduling provisions. 
     
  3. Removal of equal pay for equal work.
     
  4. Returning to previous calculation of public holiday pay.
     
  5. Return to previous union certification policies.
     
  6. Amended personal emergency leave.
     
  7. Maintain domestic or sexual violence leave.
     
  8. Maintain paid vacation expansion. 
     
  9. Apprenticeship ratios set at 1:1. 
     
  10. Dissolution of the Ontario College of Trades.
The OCC is encouraged by the labour market reforms announced today and looks forward to continuing to work with the Ontario government to support economic prosperity and business competitiveness across the province. 

 

https://www.brockvillechamber.com/member-directory.php?command=viewItem&ID=1495&cID=684&name=Brock-Shores-Financial-

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Second Harvest

I had a nice little article writing about this and some how it didn’t save in time and I am running out of time, snows coming as they say in the fall harvest mode. So just the links and a few pics . Be sure and watch the video link. I like the reusable bags that Purolator uses. Good branding, reusable. 

https://www.purolator.com/en/resources-and-support/about-us/tackle-hunger/index.page

https://secondharvest.ca/

 

 

 

Purolator, Food Bank Video

https://youtu.be/NaJQFHJY4bc

 

Link to Gleaning Effort this year and many history links and photos 

 https://improvingfutures.ning.com/blog/harvest-for-food-banks

 

we got another 15 bags of squash harvest last Friday, so we would have gathered almost 20,000 pounds of produce overall on this years gleaning effort. 

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Let’s not miss this

This is a great story for leaders, the story of Joseph is legendary,  this is just the surface, in this lesson the minister touches on a variety of topics that can nurture us, some joy in our parting and hello’s, some sound advice for teaching our sons and daughters how to be better in society , some valuable life lessons. 

 Sent, Sold, Sad, Safe (Part 1 of 2) - Broadcast - Truth For Life https://www.truthforlife.org/broadcasts/2018/10/24/sent-sold-sad-safe-part-1-of-2/

 

Genesis 37 , picks up the story of Joseph 

Remember that there is moments of life in 

Our good byes 

Our greetings 

We need to teach our children, train them to stand on their own two feet. 

 

Go Check Report Back , his dad’s plan to teach independence 

Looking people in the eye

Parting is such sweet sorrows, full of emotions 

speak when spoken to

common courtesy’s teach to children

Teach them to be responsive , to pay attention, look in my eyes example , in your eyes I see your soul, I find out who you are

its a wonderful world, Louis Armstrong 

friends greating friends

saying how are you 

there is is a last time for every journey 

 

you will never know when it is the last time

 

It is good to make much of our partings and our hello’s

they are significant events in life

 

let’s not miss the chances in the common simple every day events of life

 

Love baby love , that’s the secret

 

https://www.youtube.com/watch?v=2nGKqH26xlg&list=PLhhVyaUmOQupT95UiO_74c0-wATcRxceV ;

 

 

 

 

 

 

 

 

 

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Forecasting

A great article on forecasting, some valuable insight in how this can improve your future, be it your personal financial plans or your business projections , worth a deep look and plan of action  - TLR

 

The creative process makes building a financial forecast very rewarding. You work within a framework of the client’s business model, but you also add your own financial instinct and know-how. Sometimes, your drive can push a business beyond where they thought they could go, and also help an owner understand the financial potential in their business. This is what makes forecasting uniquely different from budgeting. Budgeting is usually very conservative, and it’s much more granular. Forecasting is about potential. What’s possible? How can we get there?

 

article link

Financial Forecasting: The Foundation of Strategic Advising http://bit.ly/2NOkKrl [Source: @LivePlanSA]

 

Then I got a great chart that looks at some mistakes we make by simple cognitive biases 

dig deep to learn more at this link

http://www.visualcapitalist.com/18-cognitive-bias-examples-mental-mistakes/

 

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