February 24, 2021
“Keep me as the apple of the eye, hide me under the shadow of thy wings.” (Psalm 17:8)
There are 12 references in the Bible to God’s “shadow,” understood as a type of His invisible but very real guiding presence. The reference in our text above is the first, and there are three other references to this beautiful metaphor—the “shadow” of the wings of God. Psalm 36:7 assures us that men can “put their trust under the shadow of thy wings,” and Psalm 57:1 that we can take refuge there “until these calamities be overpast,” and then we can “rejoice” there (Psalm 63:7).
The Lord’s presence is like “the shadow of a great rock in a weary land,” according to Isaiah 32:2. The same prophet quoted God as saying that “I have covered thee in the shadow of mine hand” even as He formed the heavens and the earth, while hiding us “in the shadow of his hand” (Isaiah 51:16; 49:2).
Then there is the wonderful promise of Psalm 91:1: “He that dwelleth in the secret place of the most High shall abide under the shadow of the Almighty.” He can also be “a shadow from the heat, when the blast of the terrible ones is as a storm against the wall,” bringing down “the heat with the shadow of a cloud” (Isaiah 25:4-5). Similarly, He is “a tabernacle for a shadow in the day time from the heat, and for a place of refuge, and for a covert from storm and from rain” (Isaiah 4:6).
The last reference speaks of “the anointed of the LORD” (that is, of the Messiah, Jesus Christ), assuring God’s people that “under his shadow we shall live among the heathen” (Lamentations 4:20). These are all “exceeding great and precious promises” (2 Peter 1:4). Hidden under the shadow of God is indeed a good and safe place to be in times like these. HMM
Maybe it will work, we often find it takes 3-6 hours to get through to CRA for questions regarding a clients tax returns. Nice the government is making the effort to redirect resources to the highest priorities, those that probably do not need the help. Looking at the list, it's a big list of help. Have fun :)
Date issued: Feb 22, 2021
Let us help you with your taxes!
The Canada Revenue Agency (CRA) is offering a free service called File my Return that lets you file your 2020 income tax and benefit return quickly and securely over the phone. We sent you this letter as we believe you are eligible for the service.
All you need to do is confirm the information we have in our records below and provide some additional information over the phone to make sure you get all the deductions and credits to which you are entitled. During the call you will be asked questions. In most cases, you will need to press 1 for yes and 2 for no. At the end of the call you will be asked to confirm. This will allow the CRA to accept your answers and process your tax return. This call will take from 5 to 10 minutes to complete.
We hope you find this service helpful.
In order to use the File my Return service, you need to take the following steps.
Step 1 - Determine if you qualify:
Confirm that the following information is correct.
Part A - Identification:
- Your marital status did not change in 2020
- Your province/territory of residence did not change in 2020
- Your address has not changed
- You did not own foreign property worth more than $100,000 in Canadian funds
- You did not sell your principal residence in 2020
Part B - 2020 Income:
You only have income from one or more of the following sources:
- Old Age Security - T4A(OAS)
- Guaranteed Income Supplement (GIS) / Net Federal Supplements - T4A(OAS)
- Canada or Quebec Pension Plan benefits (including disability benefits) - T4A(P)
Employment and related income supports
- Statement of Remuneration Paid - T4
- Employment Insurance Benefits - T4E
- Workers' Compensation Benefits - T5007
- Social Assistance Payments - T5007
- Canada Emergency Benefits declared on the Statement of Pension, Retirement, Annuity, and Other Income - T4A
- Statement of Investment Income, Interest Income only - T5 (box 13)
If you have income from any source other than those listed above, please do not use File my Return.
Note: You also cannot use File my Return if you:
- want to stop contributing to the Canada Pension Plan (CPP)
- want to cancel a previous contribution to the CPP
- have tax exempt income
- are claiming an RRSP deduction, carrying charges and interest expenses, other employment expenses, or a clergy residence deduction
If all of the information in Parts A and B is correct, you are eligible to use the File my Return service and will continue to Step 2.
If anything in Parts A or B is not correct, you are not eligible to use File my Return this year, but you may:
- File online using certified tax-filing software, some of which are free. Learn more at canada.ca/netfile.
- Get help to file your return through our Community Volunteer Income Tax Program. For more information about the program, go to canada.ca/taxes-help.
Step 2 - Get your information ready:
Before you call us, you will need:
1. your social insurance number
2. your date of birth
3. the information you need to apply for benefits and credits, as applicable (You will find an asterisk (*) next to the information that you will need to provide over the phone.)
4. your spouse's net income, if married or common-law
Note: All references to spouse refer to your spouse or common-law partner, whichever applies. The spousal net income amount is used in the calculation of the Canada child benefit, the goods and services tax / harmonized sales tax credit, the social benefits repayment, and certain federal and provincial credits. Report this amount, even if it is zero.
Step 3 - File my Return call:
This service opens on Monday, February 22, 2021, at 12 pm, Eastern Time. When you are ready, call us at 1-800-959-1110. You will be prompted to provide information from Step 2.
You can hang up at any time during the call. If you do that, your information will be not be saved and your return will not be filed.
For individuals who are residents of Québec, the service only completes the federal portion of the income tax and benefit return. The Québec provincial tax return is handled separately by Revenu Québec, and will need to be filed separately.
If you have any questions about the File my Return service, you can call our individual enquiries line at 1-800-959-8281 or go to canada.ca/file-my-return.
Thank you for using File my Return. All you need to do now is wait a few days for your notice of assessment!
Information we need to calculate your benefits and credits
During your call you will be prompted to answer questions to claim the benefits and credits listed below. Review the questions carefully to ensure they apply to you and ensure you have this information with you when you call. You will find an asterisk (*) next to the information you will need to provide over the phone.
Ontario trillium benefit
You may be eligible for the Ontario trillium benefit (OTB), which includes the following credits:
- Ontario sales tax credit
- Ontario energy and property tax credit
- Northern Ontario energy credit
You must be eligible for at least one of these credits to receive the OTB.
The 2021 OTB payments will be issued monthly, from July 2021 to June 2022. However, you can choose to wait until June 2022 to get your 2021 OTB in one payment, instead of receiving it monthly.
During the call you will be asked if you want to receive your OTB benefit in one payment at the end of the benefit year, in June of next year, instead of receiving it monthly. To choose one payment, press 1 for yes or 0 for no. If your 2021 OTB is $360 or less, we will issue one payment in July 2021.
Ontario senior homeowners' property tax grant
You may also be eligible for the Ontario senior homeowners' property tax grant (OSHPTG) for 2021 if, on December 31, 2020, you met both of the following conditions:
- you were at least 64 years of age or older
- you owned and occupied a principal residence in Ontario that you, or someone on your behalf, paid property tax on for 2020
Information required to claim these benefits
If you are married or common law, only one of you can claim these benefits. However, if you and your spouse or common-law partner occupied separate principal residences for medical reasons on
December 31, 2020 you can apply individually or as a couple.
If you are claiming the OTB and/or the OSHPTG, gather the information below about your principal residence before you call:
* Enter the total rent paid (including amounts paid to a private long-term care home)
* Enter the total property tax paid
* Enter the total energy costs paid, if you lived on a reserve
* Enter the total accommodation costs paid to a public, or non-profit, long-term care home
Ontario seniors' public transit tax credit
You may be eligible to claim the refundable Ontario seniors' public transit tax credit, if you met all of the following conditions:
- you were 65 years or older on December 31, 2019
- you were a resident of Ontario at the end of the year
- you paid for eligible public transit services that you used in 2020
An eligible public transit service is one that is operated by the Government of Ontario or one of its municipalities, that is:
- a short-haul service an individual typically uses for a single return trip
- offered to the general public
- operated by bus, subway, train or tram
Specialized transit services that are designed to transport people with disabilities are also eligible even if they do not meet the criteria for eligible public transit services.
You can claim the Ontario seniors' public transit tax credit for qualifying payments you made for the use of eligible public transit services in 2020. A qualifying payment is an amount paid for:
- a public transit pass for a set number of rides in at least one day
- a public transit pass for an unlimited number of rides
- an electronic payment card
- a single-use ticket or token if a receipt was issued
- cash fare for specialized transportation services offered to people with disabilities if a receipt was issued
Did you take public transit in 2020? If yes, you will need to gather the information below before you call:
* Enter the total transit costs (the amount you paid in 2020 to use Ontario public transit services)
Climate action incentive
The climate action incentive (CAI) is a refundable amount that can be claimed when filing your return. The CAI can only be claimed for your family by you, your spouse or common-law partner, but not both of you.
You can claim the CAI for you and your family if you were a resident of Ontario on December 31, 2020, and you met any of the following conditions:
- you were 18 years of age or older
- you had a spouse or a common-law partner
- you were a parent who lived with your child
You can also claim the CAI for a qualified dependant who was under 18 years of age and resided with you on December 31, 2020. Qualified dependants include:
- your child or your spouse's or common-law partner's child or
- a person who was dependent on either one of you for support
A person is not a qualified dependant if they were:
- married or living common-law
- a parent who lived with their child on December 31, 2020
In a shared custody situation, only one claim can be made for each child. You cannot split the amount for a qualified dependant with another person.
You cannot claim the CAI if you meet any of the conditions below. In addition, you cannot claim the CAI for your spouse, common-law partner, or a dependant if they meet any of these conditions:
- were non-residents of Canada at any time in 2020
- were confined to a prison or a similar institution for a period of at least 90 days during 2020
- do not have to pay tax in Canada at any time in 2020 because either of you were an officer or a servant of the government of another country, such as a diplomat, or a family member who resided with such a person, or an employee of such a person
- were a person for whom a children's special allowance was payable at any time in 2020
- passed away before April 1, 2021
Depending on your situation, you may be prompted to answer up to 5 questions, entering Yes or No or entering a number. Based on your answers, you could get:
- $300 for yourself
- $150 for your eligible spouse or common-law partner
- $150 if you are a single parent and have a qualified dependant
- $ 75 for each qualified dependant
If you resided anywhere in Ontario that is outside of the Barrie, Belleville, Brantford, Greater Sudbury,Guelph, Hamilton, Kingston, Kitchener-Cambridge-Waterloo, London, Oshawa, the Ontario part of Ottawa-Gatineau, Peterborough, St. Catharines-Niagara, Thunder Bay, Toronto or Windsor census metropolitan area as defined by Statistics Canada, your climate action incentive will include a 10% supplement.
For more information or to determine if you qualify, contact us at 1-800-959-8281.
Canada workers benefit
The Canada workers benefit (CWB) is a refundable tax credit that provides tax relief for eligible low-income individuals and families who are in the workforce. The CWB includes a disability supplement for individuals who have an approved Form T2201, Disability Tax Credit Certificate, on file with the CRA.
You may be eligible to claim the CWB, if you met all of the following conditions in 2020:
- you were a resident of Canada throughout the year
- you earned income from employment
- at the end of the year, you were 19 years of age or older, or you resided with your spouse or common-law partner, or your child
You cannot claim the CWB for 2020 if any of the following applies to you:
- you were enrolled as a full-time student at a designated educational institution for a total of more than 13 weeks in the year, unless you had an eligible dependant at the end of the year
- you were confined to a prison or similar institution for a period of 90 days or more during 2020
- you do not have to pay tax in Canada because you were an officer or a servant of the government of another country, such as a diplomat, or a family member or an employee of such a person
Note: If you had an eligible spouse, only one of you can claim the basic CWB. The person who received the CWB advance payments for 2020 is the person who must claim the basic CWB for the year. If you had an eligible dependant, only one person can claim the basic CWB for that eligible dependant.
An eligible spouse is a person who meets all the following conditions:
- was your cohabiting spouse or common-law partner on December 31, 2020
- was a resident of Canada throughout 2020
- was not considered ineligible due to any of the conditions in the "You cannot claim" section above
An eligible dependant is a person who meets all the following conditions:
- was your or your spouse's or common-law partner's child
- was under 19 years of age and lived with you on December 31, 2020
- was not eligible for the CWB for 2020
You can claim the basic CWB if your working income or the total of your and your eligible spouses' working income is more than $3,000.
If you had an eligible spouse and one of you is eligible for the disability tax credit, that person should claim both the basic CWB and the CWB disability supplement. If you had an eligible spouse and both of you are eligible for the disability tax credit, only one of you can claim the basic CWB. To be eligible for the CWB disability supplement, your working income must be more than $1,150.
The maximum payment you can expect to receive from the CWB is dependent on the province you live in.
If you are eligible for the CWB disability supplement, it will be automatically included for you if you qualify. Depending on your situation, you may be prompted to answer up to three questions, entering yes or no. If you are claiming an eligible spouse, you will need the following information before you call:
* Enter your spouse's employment income.
Subject: Fw: A History Lesson From 1920📎
Begin forwarded , thanks Gord !
This will boggle your mind!
The year is 1920,"One hundred years ago."
What a difference a century makes! Here are some statistics for the Year 1920…
The average life expectancy for men was 47 years.
Fuel for cars was sold in drug stores only.
Only 14 percent of the homes had a bathtub.
Only 8 percent of the homes had a telephone.
The maximum speed limit in most cities was 10 mph.
The tallest structure in the world was the Eiffel Tower.
The average US wage in 1919 was 22 cents per hour.
The average US worker made between $200 and $400 per year.
A competent accountant could expect to earn $2,000 per year.
A dentist earned $2,500 per year.
A veterinarian between $1,500 and 4,000 per year.
And, a mechanical engineer about $5,000 per year.
More than 95 percent of all births took place at home.
Ninety percent of all Doctors had NO COLLEGE EDUCATION!
Instead, they attended so-called medical schools, many of which were condemned in the press AND the government as "substandard."
Sugar cost four cents a pound.
Eggs were fourteen cents a dozen.
Coffee was fifteen cents a pound.
Most women only washed their hair once a month, And, used Borax or egg yolks for shampoo.
Canada passed a law that prohibited poor people from entering into their country for any reason.
The Five leading causes of death were:
- Pneumonia and influenza
- Heart disease
The American flag had 45 stars ...
The population of Las Vegas, Nevada, was only 30.
Crossword puzzles, canned beer, and iced tea hadn't been invented yet.
There was neither a Mother's Day nor a Father's Day.
Two out of every 10 adults couldn't read or write.
And, only 6 percent of all Americans had graduated from high school.
Eighteen percent of households had at least one full-time servant or domestic help...
There were about 230 reported murders in the ENTIRE U.S.A.
I am now going to forward this to someone else without typing it myself. From there, it will be sent to others all over the WORLD all in a matter of seconds!
Today's devotional addresses an important matter regarding our fear of speaking of our faith, witnessing , standing , sharing
Whatsoever thy hand findeth to do, do it with thy might; for there is no work, nor device, nor knowledge, nor wisdom, in the grave, whither thou goest.
|February 20, 2021
Fear of Witnessing
“And they called them, and commanded them not to speak at all nor teach in the name of Jesus.” (Acts 4:18)
Every Christian knows that he or she should witness for Christ, but most are very reluctant to speak in His name very often. The most obvious reason for this hesitancy is fear. Sometimes we may be actually forbidden, as were the apostles, to teach of Him, but their courageous answer was: “We ought to obey God rather than men” (Acts 5:29), and so they prayed: “Lord, behold their threatenings: and grant unto thy servants, that with all boldness they may speak thy word” (Acts 4:29).
More common than fear of physical persecution or personal harm, however, is fear of ridicule, or loss of prestige or position. Such fear is out of character for real Christians, “for God hath not given us the spirit of fear; but of power, and of love, and of a sound mind” (2 Timothy 1:7). If we love the Lord and those for whom He died, we must learn to conquer our fear of men.
One of the saddest rebukes that could come to a Christian is the indictment lodged against those believers who, because of their high position, refused to take an open stand for Christ: “Among the chief rulers also many believed on him; but because of the Pharisees they did not confess him, lest they should be put out of the synagogue: For they loved the praise of men more than the praise of God” (John 12:42-43). How often do modern professional and business men—even theologians— compromise their stand for Christ and His inerrant Word because of fear of peer pressure in what should be their spheres of influence and testimony?
May God give us the courage of Paul. “I am not ashamed of the gospel of Christ,” he wrote, “for it is the power of God unto salvation to every one that believeth” (Romans 1:16). HMM
Thanks for sending this one over Gord McCrady!
Subject: Fwd: When GOD solves our problems
This is interesting…Enjoy…
When GOD solves our problems, we have faith in HIS abilities.
When GOD doesn't solve our problems, HE has faith in our abilities.
One may observe God's accuracy in the hatching of eggs…those of the Canary in 14 days.those of the Barnyard Hen in 21 days
Eggs of Ducks and Geese in 28 days.
those of the Mallard in 35 days.
Eggs of the Parrot and the Ostrich hatch in 42 days.
(Notice, they are all divisible by seven, the number of days in a week!)
See God's Wisdom in the making of an Elephant…
The four legs of this great beast all bend forward in the same direction. No other quadruped is so made.
God planned that this animal would have a huge body…too large to live on two legs. For this reason, He gave it four fulcrums so that it can rise from the ground easily.
The Horse rises from the ground on its two front legs first.
A Cow rises from the ground with its two hind legs first.
How wise the Lord is in all His works of Creation!
Each Watermelon has an even number of stripes on the Rind.
Each Orange has an even number of segments.
Each ear of Corn has an even number of rows.
Each stalk of Wheat has an even number of grains.
Every bunch of Bananas has on its lowest row an even number of Bananas, and each row decreases by one,
so that one row has an even number and the next row an odd number.
There is more…
The Waves of the Sea roll in on shore Twenty-six to the Minute in all kinds of weather.
All Grains are found in even numbers on the stalks.
God has caused the Flowers to Blossom at certain specified times during the day.
Linnaeus, the Great Botanist, once said that if he had a Conservatory containing the right kind of Soil, Moisture, and Temperature, he could tell the Time of Day or Night by the Flowers that were Open and those that were Closed.
The Lives of each of us may be ordered by the Lord in a Beautiful Way for His Glory, if we will only Entrust Him with our Lives.
If we try to Regulate our own Lives, we will have only Mess and Failure.
Only God, who made our Brains and Hearts, can Successfully Guide them to a Profitable End.
When you carry the Bible, Satan has a Headache.
when you Open it, he Collapses.
When he sees you Reading it, he loses his Strength,
and when you Stand on the Word of God, Satan cannot Hurt you!
And did you also know…
that when you are about to Forward this Email to others, the Devil will probably try to Discourage you, but do it anyway.
Life without God is like an Unsharpened pencil - it has no Point.
I pray God bless you in ways you never even Dreamed.
I didn't think twice about forwarding this one.
Great presentation today at Rotary by John C. Smarge
John Smarge has been a Rotarian and resident of Naples, Florida since 1982. His classification is Moving and Storage.
John and his wife Cindy are Major Donors and Bequest Society Members. John served as President of The Rotary Club of Naples in 1992-93 and as District 6960 Governor in 1995-96. He was a member of the Rotary International Board of Directors in 2010-2012 and Chairman of the Executive Committee, 2011-2012.
John has twice been a Delegate to the Council on Legislation and three times a member of the RI President Nominating Committee. He has served as a Rotary International Membership Coordinator, Regional Rotary Foundation Coordinator, Rotary Coordinator Training Leader and as Chair of multiple RI Committees. John served as the Aide to the 2018 – 2019 Rotary International President. Currently he is a member of the Shaping Rotary’s Future Committee and a founding member of HANWASH (Haiti National Water, Sanitation and Hygiene Strategy.)
John will serve as the Chairman of the 2022 RI Convention Committee (Houston, TX).
John has received numerous awards for his Rotary Service including the Rotary Foundation Citation for Meritorious Service, the Distinguished Service Award the Rotary International Service above Self Award and was recognized in 1999 as the District 6960 Rotarian of The Decade.
John is a past Board Chairman of the Naples YMCA and served as Director on the board of the Boy Scouts of America, Shelter for Abused Women, Naples Girls Sports Foundation and Southern Community Bank.
John and Cindy have three daughters and two grandchildren.
please always see comments for more details and additionl research
Tips from today's email Hustel
Amazon’s writing culture, explained
Making fun of PowerPoint presentations is a popular pastime in corporate America (to be fair, they really do suck).
Back in 2004, Jeff Bezos actually did something about it: In lieu of crafting a PowerPoint, Amazon employees had to write a narrative-driven, 6-page memo before executive meetings.
In their new book Working Backwards, longtime Amazon execs Bill Carr and Colin Bryar explain the company’s writing culture, including why memos are better than PowerPoint:
• Decision-making requires narrative: While PowerPoint is good for conveying data, decisions require persuading stakeholders. Memos are better at achieving this goal.
• Higher information density: People can read faster than people can talk. One author says a memo conveys 10x as much information as a PowerPoint presentation.
• Ideas > charisma: A charismatic PowerPoint presenter can sell a bad idea, while a poor presenter may be unable to sell a good idea. In a memo, the idea wins.
• Better analysis: PowerPoint’s hierarchical (and sequential) structure is not ideal to address complex issues. Narrative-driven memos can be multi-causal and provide a 360-degree view on a topic.
• Shared understanding: Whether or not one agrees with the memo, a focused reading of it puts everyone on the same page to begin discussions.
It’s not just memos, either
The book’s title comes from Amazon’s product development philosophy: Instead of creating a product and then finding customers, Amazon asks, “What does the customer need?” and works backwards toward a product.
As part of the process, employees write a mock press release, which accomplishes a few things:
• Forces big thinking: You don’t write press releases for incremental improvements.
• Creates an FAQ: This document answers all potential customer questions, and also uncovers potential hurdles and opportunities.
If you want a PowerPoint of this article, email us and we definitely won’t get back to you.
(Check out the book’s authors on the a16z podcast for much more.)
A great theme
Start with a chocolate bomb
Here is a few links that came across my desk , enjoy, check out the comment section for the good stuff
This one is from an advisor down in the states
Make your own
Check comments for some catch all of these items , over time will update.
Note: I like having these principals in an investment policy, it's not just about the returns, but what is your money's influence? It's good when the two can allign with your core values.
Great Presentation today on charity and non profit organizations. Organized by
CARTERS PROFESSIONAL CORPORATION
Barristers, Solicitors & Trademark Agents
211 Broadway, Orangeville, ON L9W 1K4
519 942 0001 ext. 229; Toll Free: 1 877 942 0001
The Senator, Honourable Ratna Omidvar, discussed
Diversity of charity and non-profit boards of directors: Overview of the Canadian non-profit sector
Many other topics are being addressed: will get the full list here of resources once available
Working from home
Board meeting requirements
Chaitable regulation evolution
CRA new guidlines
Preparing for ONCA
Board Due Diligence during a pandemic and beyond
Essential charity and NP law updates
Last fall I attended the Toronto Update online, I have attended in Toronto 2 years prior to this, very well done and informative presentations
he 2020 Church & Charity Law Webinar
was held on November 5, 2020. The Church & Charity Law Webinar is designed to assist churches and charities in understanding developing trends in the law in order to reduce unnecessary exposure to legal liability.
individual presentations here
Learn more >>>
|2020 Annual Church & Charity Law Webinar Materials
Church & Charity Law Webinar Materials.
Learn more >>>
|Introduction, Agenda and Speaker Details
Seminar and Speaker Details and Acknowledgements.
Learn more >>>
|Essential Charity & NFP Law Update
Presented by Esther S.J. Oh at The 2020 Church & Charity Law Webinar.
Learn more >>>
|Board Due Diligence and Crisis Management During a Pandemic
Presented by Ryan M. Prendergast at The 2020 Church & Charity Law Webinar.
Learn more >>>
|Preparing Churches and Charities for the ONCA
Presented by Jacqueline M. Demczur at The 2020 Church & Charity Law Webinar.
Learn more >>>
|Employees Working Remotely: Shifting to the New Normal
Presented by Barry W. Kwasniewski at The 2020 Church & Charity Law Webinar.
Learn more >>>
|Real Issues for Virtual Corporate Meetings
Presented by Theresa L.M. Man at The 2020 Church & Charity Law Webinar.
Learn more >>>
|Mitigating Privacy and Security Risks in a Virtual World
Presented by Esther Shainblum at The 2020 Church & Charity Law Seminar.
Learn more >>>
|Copyright Issues in a Virtual Reality: Tips and Traps
Presented by Sepal Bonni at The 2020 Church & Charity Law Webinar.
Learn more >>>
|Legal Issues in Fundraising in a Virtual World
Presented by Terrance S. Carter at The 2020 Church & Charity Law Webinar.
Learn more >>>
|Regulating Charities During a Pandemic and the New Virtual Reality
Presented by Tony Manconi at The 2020 Church & Charity Law Webinar.
Learn more >>>
|The 2020 Ottawa Region Annual Charity & NFP Law Seminar Materials
Charity & NFP Law Seminar Materials.
Learn more >>>
|Full listing of Publications|
Going through the payroll process this season, I was able to reflect on those lives that we have had an impact on our payroll, for fun I started remembering everyone and expanded the list to include other relevant parties. Over time people change, companies change, life accumulates. ~ TLR
Employee's & SubContractors 39 since 1988
Tammy, Heather, Megan, Michael, Katina, April, Adonica, Leigh, Mikayla ,Dean, Rebecca, Tina, Melanie, Sue, Cassandra, Cody, Andrew, Rodger, Neil, Brandon ,Leonard, Charly, Lisa, Stepheny, Tim, Peter, Mike, Don, Isaiah, Stan, Bob, Geo, Ron, Natasha, Douglas, Luke, Derek, Alex, Wayne, Brenda
Professional Investments, Peak Investment Services
Professional Insurance, Cartier Partners, Financial Horizons
Ivari(Transamerica) Manulife (Commercial Union), Empire Life, Canada Protection Plan (Forestors), Canada Life, Equitable Life, Standard Life, Travellers, Best Doctors, RBC
Professional Investments Belleville, Brockville, Nav Group Trenton
Invesco ( Trimark, AIM), NEI ( North West, Oceanrock, Meritas ), CI, Tempelton, Vengrowth, Covington, Tricycle, Standard Life, AIC, Manulife, Sprott, Mackenzie, RBC, Dynamic, Criterion, Medical Discovery, Bridgehouse, Empire Life, ING, Fidelity, Growth Works, AGF, Mineral Fields, Sprott, O'Leary, Elliott & Page, Gaurdian, First Ontario, Clarington, Triax, Talvest
Tax Collection Agencies, Canada Revenue Agency, Her Majesty The Queen as Represented by the Minister of National Revenue, Uncle Sam for the United States of America
FISCO,MFDA,OSC (Ontario,BC,NB) , CRA
Professional & Community Organizations
Reflecting on all of this, I am reminded of the beauty of business quote that I penned many years ago. I will post that below these guiding principals.
4-H teaches us to, "Learn To Do By Doing", with your Head, Heart, Health, and Hands
The Mountain teaches and demands "One Step At A Time"
Business embraced "Where Client Goals Become Our Goals"
Investments reminds us to be the "Guardians of Your Family's Wealth"
Nick Murray taught and reminded us of the Mission, "Helping Families Achieve Major Goals" , the rest is commentary
Our Vision was to provide "Omega Stewardship" , the People and our Core Values made that possible
Business evolved into "The Family Office"
Brock Shores Financial focused us on "Improving Futures"
Covid reminded us "Your Advisor Cares"
Timothy L. Ross, Family Advisor, since 1988, CEO, Founder Brock Shores Financial , Timothy Ross & Associates
Chief Weekend Warrior for every other crazy thing I do!
"The beauty of being in business is that your business engages all aspects of your mind, I think that is why you become successful, business challenges you to be more than you are, and that is where the miracle takes place." Timothy Ross, May 2004
I like Winston Churchill, he had the incredible ability to move the English language into action. My mentor Jim Rohn, say's , "Don't be afraid to borrow if someone else has said it well. Winston Churchill said, "The truth is incontrovertible. Malice may attack it and ignorance may deride it, but in the end, there it is." That's so well said. You could stay up all night and not think of that. "
In case your compliance cruising, full stop, see, read, digest disclosure
READ THE FINE PRINT
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I was sent this list last night, most of the stuff they send is typically unsettling, and so slanted that it is deleted, I considered unsubscribing several times, but it's important to know what others think, even if it's in your face, but that is power for the course, and a wise mind listens to both sides and makes a decison after weighing the information and facts. So every once in a while you get something that you can shake some of the grit off from the sand box. This is one of them, still a few gooey pieces here, hold gently. ~ TLR
Somewhat related, click on this talk, Jen Psaki is front and centre on the world stage now
Monday, February 08, 2021
The world President Joe Biden inherits looks vastly different from when he left the vice presidency four years ago — and not just among the leaders he will rub shoulders with at international summits. The world’s fast-shifting political currents are driven by powerful change-makers within administrations, dynamic rebels, shadowy leaders and more. With Myanmar thrown into crisis with a military coup last week, and Haiti President Jovenel Moïse clinging to power after staging more than 20 arrests as his term was supposed to end on Sunday, Biden’s early days are already seeing that upheaval. Consider today’s Daily Dose your diplomatic world tour.
Isabelle Lee, Reporter
change-makers in power
1. Nanaia Mahuta, New Zealand
In 2016, Mahuta became the first female member of Parliament in New Zealand to have a “moko kauae,” a Maori chin tattoo. Now, in another historic first, the 50-year-old has become the country’s first female Indigenous foreign minister. Mahuta is drawing on her heritage to inform environmental policy and present a global image of New Zealand as a progressive bastion willing to stand up to China, even though Beijing is its largest trading partner.
2. Sun Chunlan, China
The Lunar New Year will look a little different this year, largely due to the efforts of Sun, 70. The only woman in the Chinese Communist Party’s politburo, she’s in charge of the country’s COVID-19 response. The vice premier’s relative success has made her a key player to watch as she tries to rectify China’s reputation for poor handling of public health crises, by, among other measures, cracking down on Lunar New Year celebrations and encouraging provinces to learn from the mistakes made early in the pandemic.
3. Martín Guzmán, Argentina
While pursuing his Ph.D. at Brown University, Guzmán continued to play an intramural soccer game with a fractured foot. Now he’s navigating Argentina through an economy injured by COVID-19 and a debt crisis. The 38-year-old economy minister has led the country’s successful deal for debt restructuring, avoiding a crisis that seemed inevitable. Guzmán anticipates 5 percent growth in 2021 for Argentina after helping lead aggressive government interventions in the bond market under leftist president Alberto Fernández.
4. Judit Varga, Hungary
Before serving as Hungary’s justice minister, the immaculately polished Varga, 40, rose to prominence for defending conservative Christian values in Parliament. She is known as President Viktor Orbán’s “charm cannon” — often finding a way to communicate his agenda where he cannot in an international arena hostile to his authoritarian tendencies. Now Varga has managed to find common ground with the EU, traditionally the Hungarian regime’s biggest bugbear. This year, she plans to bring regulations and sanctions against social media giants for free speech abuses.
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5. Kamissa Camara, Mali
The 35-year-old powerhouse is the first woman and youngest person to become foreign minister in Mali. Since her appointment in 2018, Camara has worked in various government positions and is now a young global leader with the World Economic Forum. While her rise to prominence is significant for her age and gender, how she got noticed is also a wild tale: Camara openly challenged then-President Ibrahim Keita to backtrack from a 2017 decision to give himself more powers. But in a region where political criticism is usually unwelcome, she was hired by Keita, kickstarting her political career.
1. Jagmeet Singh, Canada
The jiujitsu-practicing Singh, 42 (above left), is the first nonwhite leader of a major national Canadian party. And the Sikh leader of the New Democratic Party won’t hesitate to pick a fight when it’s about something close to his heart. He was ejected from Parliament after accusing a fellow MP of racism (Prime Minister Justin Trudeau backed Singh during the row). Singh identifies with many of the key themes of U.S. progressives — on legalizing narcotics and raising minimum wages, for example — but he’s also willing to work with conservatives if it helps bring his party to power.
2. Yani Rosenthal, Honduras
In this Central American country, all eyes are on Rosenthal, as the convicted felon is reportedly considering a presidential run. After serving a three-year sentence for money laundering for a drug cartel, Rosenthal has quite a bit of catching up to do in the realm of national politics. Still, insiders see him as the best shot at uniting the opposition Liberal Party ahead of November’s elections. The 55-year-old two-time presidential candidate comes from a wealthy, politically connected family that itself was affiliated with Colombian cartels that use Honduras as a way station to transport drugs to the U.S.
3. Sylvana Simons, the Netherlands
Simons’ party, BIJ1 (“together” in Dutch), was founded in 2016 as an anti-racist party. Made up of activists turned politicians, BIJ1 hasn’t enjoyed much electoral success yet. Still, the Surinamese-born Simons, 50, who became famous as a TV presenter and endured racism before turning to politics, says the party is having a substantial cultural impact as traditions like blackface are increasingly condemned. She will be the face of BIJ1’s efforts in the March general elections — with a manifesto that seeks to upend the system with a new constitutional court and Ministry of Equality.
rebels for a cause
1. Stella Nyanzi, Uganda
By now, you’ve probably heard the name Bobi Wine. You’ve probably also heard about the rapper turned politician’s attempt to unseat Uganda’s longtime leader, Yoweri Museveni — which ended last month when Wine was placed under house arrest for 11 days following Museveni’s reelection, widely believed to have been rigged. But you probably haven’t heard of the radical Nyanzi, 46, whose commitment to trolling Museveni has slowly unraveled the complicated knit of his fear-based politics. Nyanzi’s ridicule of Museveni and his policies is not only entertaining but also revolutionary, so much so that she’s had to flee to Kenya in recent days for fear of persecution.
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2. Anon Nampa, Thailand
Another individual using unconventional protest methods, the 36-year-old Nampa was arrested following a Harry Potter–themed protest in August. And in November, the so-called rubber duck revolution kicked off with pro-democracy, anti-monarchy protesters using inflatable rubber ducks to shield themselves from water cannons. The protests have continued into 2021, with leaders switching up their tactics in favor of guerilla protesting in smaller groups and waging publicity stunts against the embattled Thai monarchy. Nampa, a civil rights lawyer by training, will be doing more than floating along.
3. Svetlana Tikhanovskaya, Belarus
She did not achieve victory in running for president last year, but Tikhanovskaya’s campaign proved that the end is not far off for Belarus’ longtime dictator, Alexander Lukashenko. Tikhanovskaya, 38, stepped in after her husband was arrested for campaigning for president against Lukashenko. Her charm and disarming honesty catapulted her to fame, and Lukashenko’s clearly rigged win led to mass protests. Leading a government-in-exile from Lithuania, Tikhanovskaya continues to organize the opposition, while Lukashenko has vowed to consider reforms at this month’s “people’s assembly.”
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the next dynasts
1. Nicolás Maduro Guerra, Venezuela
The son of Nicolás Maduro, Venezuela’s strongman president, 30-year-old Maduro Guerra began his political career when his father appointed him head of the Corps of Special Inspectors of the Presidency. In addition to sharing a name, Maduro Guerra and his father are very close. The accomplished flutist has made tentative steps into the political arena but now holds an assembly seat, cementing him as a key player in the Maduro government going forward.
2. Gibran Rakabuming Raka, Indonesia
The son of President Joko Widodo just won the mayorship of Surakarta, the city where his father started his political career — sparking speculation that Widodo might be preparing a dynasty. When Jokowi, as the president is known, took office, he ran as an outsider to the political and military elite that had long transferred power within their own circles. Now, Gibran, 33, is embarking on his own political career as the ultimate insider.
3. Sumeyye Erdoğan, Turkey
President Recep Tayyip Erdoğan’s youngest child has long been seen as a potential successor to his throne — if her husband, also a close aide to the Turkish leader, doesn’t get there first. Known as Erdoğan’s favorite child, the 35-year-old has a master’s degree from the London School of Economics. There are some signs she’s not her father: In 2019, as a member of the Supreme Electoral Council she was said to have voted against a rerun of the Istanbul mayor’s election, after Erdoğan’s choice lost the first round. Last year, Sumeyye’s conservative women’s organization took an opposing stance from Erdoğan’s party by sticking up for the Istanbul Convention on violence against women.
in the shadows
1. Alfonso Romo, Mexico
In the two years that Romo, 70, served as Mexican President Andrés Manuel López Obrador’s chief of staff, he attracted plenty of criticism from environmental groups. The former businessman resigned from his post in December, not entirely of his own volition due to controversy over potential conflicts of interest. Perhaps he’s going undercover: He continues to enjoy AMLO’s trust and is his key link with a private sector that’s skeptical of the president.
2. Mikhail Mishustin, Russia
Russian prime ministers tend to fade into the shadows of the all-encompassing Vladimir Putin. Mishustin, however, is anything but forgettable. The 54-year-old is quietly consolidating power while the world's attention remains focused on Putin. Mishustin has become the face of Russia’s coronavirus response and is earning kudos for his tech-savvy nature. While Putin isn’t in the market for a successor, Mishutin will be a key player for years to come.
3. Takeshi Niinami, Japan
The CEO of Suntory, one of the world’s largest alcohol firms — its holdings include Yamazaki, Jim Beam and more — is also a top economic adviser to Japan’s new prime minister, Yoshihide Suga. The 62-year-old is in favor of higher wages and encouraging Japan to commit to free trade. He recently spoke with authority about the measures Japan needs to pull off to stage the delayed Tokyo Olympics: contain new cases of COVID-19, implement contact tracing, institute widespread vaccinations and stage other successful large events like baseball games. Can this whiskey-maker spike Japan’s economy?
4. Abubacarr Tambadou, Gambia
When the United Nations ordered Myanmar to stop the genocide of the Rohingya, a minority-Muslim ethnic group within its borders, it was because of the tenacity of Tambadou. The former justice minister of Gambia, Tambadou, 48, brought the charges of genocide against Myanmar’s leader, Nobel Peace Prize laureate Aung San Suu Kyi, after he witnessed the conditions at a displacement camp in Bangladesh filled with refugees fleeing violence in Myanmar. Now, Tambadou, who wishes the international community had stepped in against Gambia’s two-decade dictator, is occupying a larger stage as registrar of International Residual Mechanism for Criminal Tribunals with the U.N., helping try war crimes cases involving Rwanda and the former Yugoslavia.
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Good Afternoon, You probably noticed during the commercial breaks two common themes: Jon Hamm from Skip the Dishes and Questrade. Despite spending a lot of money to air during the Super Bowl, Questrade’s investment track record leaves a lot to be desired. Every Questrade portfolio has consistently underperformed their fund category. And thanks to their ads, We found it a little difficult to sit back and enjoy the game without being offended by the question: “You’re not still investing with Mom and Dad’s guy, are you?” “The lower fees are making a big difference.” Are you sure? Over the years, Questrade has focused on shifting the entire investment conversation to costs (which I suppose is no surprise given their relatively poor investment returns). As such, their misguided basis is a simple calculation of who paid the least amount in fees. Don’t get me wrong, we’ve always said that costs are important. It’s one of the reasons we deliver industry-leading fees to our clients. But don’t the actual investment results matter? With that we have put together some charts (see below) based on data last year from Dalbar. This survey indicates that investors have an increasing level of trust and confidence in their financial advisor. The same survey also showed that investors are placing increasing value on financial advice.
Attached is a client-friendly Questrade comparison.
In case your compliance cruising, full stop, see, read, digest disclosure
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NEWS RELEASE: February 8th 2021 For: Immediate Release
Canada’s Official Colours/National Flag of Canada
Commemorating the Centennial Anniversary 1921/2021 of Canada’s Official Colours Red and White in a proclamation by King George V. These official colours which played such a significant role in the creation of the National Flag of Canada begs the question all Canadians should ask. “Is it an unfair advantage for a political party of Canada to use our red and white colours as their own”? This question must be answered!!! Is there a “brand identity” issue which requires some intellectually honest discussion?
Secondly;February 15th 2021 marks the 56th Anniversary of first time the National Flag of Canada was raised on Parliament Hill. It took nearly 100 years to bring this amazing symbol of Canada to fruition. But, on this day, across Canada many Canadians will have a paid holiday in many individual Provinces, Family Day, Islander Day, Louis Riel Day and Heritage Day will take preference over National Flag of Canada Day. We are missing an opportunity to celebrate “unity” of this incredible country of Canada.
Why, there is still no “Statutory holiday” to celebrate the most admired and respected symbol of Canada? All Canadians should have the opportunity to celebrate and unite as a Country to honour a symbol recognized around the entire world with respect and acceptance as the “identity” of Canada.
Surely our Federal Government has an obligation to initiate and promote February 15th or the 3rd Monday of February each year National Flag of Canada Day as a “Unifying Statutory Holiday”.
Contact: Robert J. Harper
Canadian Flag Education Centre
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