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Was listening to a program that was discussing values of courage, life and family, Kirk Cameron was being interviewed about a movie he was involved in producing, he brought up an idea he had during Covid, aroung the camp fire, he had over 100 campfires during the lock down, I remeber we were forbiden to have camp fires in my region ( that is kinda crazy if you think about it now ( I probably thought that at the time as well, lol) )

So I checked out what he has going on and this is a collection of some of his efforts, enjoy , perhaps we will see you at a camp fire in the future. In the meantime I  encourage you to have and enjoy your own campfires !   TLR  

https://podcasts.apple.com/us/podcast/the-american-campfire-revival-with-kirk-cameron/id1647019105

https://www.youtube.com/watch?v=GWiz_wfkask

https://www.kirkcameron.com/

https://store.americancampfirerevival.com/

Check out the comments areas for additional sandbox articles and information. The housing market impacts many areas of our lives, our discusions. There was a realtor, older fellow that would introduce his tag line at the Greater Brockville Ad & Sales meetings, "get a lot when your young" 

"We are pleased to announce the release of the 2022 Canadian Responsible Investment Trends Report! This year’s report confirms that RI’s recent momentum is giving way to demand for sophistication and more vigilant reporting, signaling a maturing industry.

With its updated methodology, the report affirms that RI is entrenched in Canada, with reported assets under management at $3 trillion, and 94% of respondents using ESG integration as an RI strategy. This marks the emergence of a reliable baseline for RI market share and demonstrates that ESG Integration is a fundamental tool in Canadian investors’ decision-making.

Key Highlights

• The vast majority (94%) of respondents are using ESG Integration, with investors using more RI strategies than ever before.
• Respondents' top three reasons for considering ESG factors are: (1) to minimize risk over time, (2) to improve returns over time, and (3) to fulfill fiduciary duty.
• Survey respondents consider the top deterrent to growth in RI to be mistrust or concerns about greenwashing.
• The three most prominent RI strategies by AUM are: (1) ESG Integration, (2) Corporate engagement & shareholder action, and (3) Negative/exclusionary screening.
• Climate change is an overwhelming concern for responsible investors–-who also believe it is the greatest driver for growth over the next two years. "

Responsible Investment Industry in the Midst of Remarkable Evolution | Business Wire

PEAK Disclosure - Click to Check

https://improvingfutures.ning.com/blog/peak-dealership-representative-disclosure

Many of our Portfolio Partners have calculators on their website. We have some on ours as well that you can check out at http://www.timothyross.com , click on Advisor Tools

“The difference between the poet and the mathematician is that the poet tries to get his head into the heavens while the mathematician tries to get the heavens into his head.” ― G.K. Chesterton

https://www.mackenzieinvestments.com/en/investor-education/investor-tools

RETIREMENT PLANNING

RRSP Calculator
Calculate how much you will need to save between now and the day you retire.

RRSP Illustrator
Get a personalized assessment of the tax benefits you gain by investing in your RRSP.

RRSP Loan Planner
Find out how an RRSP loan could help boost your income at retirement.

RIF/LIF Illustrator
Find out how much income your Registered Savings plan will generate in retirement.

Registered/Non-Registered Comparison
Weigh the benefits of registered versus non-registered growth.

 INVESTMENT & SAVINGS

Advantage of Early Investing
Learn the importance of investing early and on a regular basis.

Investment & Regular Deposit
See how your one time investment or regular deposit program will grow over the years.

Investment & Regular Withdrawal
Calculate the regular income stream generated by your non-registered investment.

RESP 

RESP Calculator
Discover how much your money can grow in an RESP and how much you will need to save for your children's education.

MORGAGE & LENDING

Mortgage Qualifier
Use this calculator to find out how much you could qualify for and what your monthly payments would be.

Mortgage and Loan Amortization Scheduler
This easy to use tool provides a detailed payment schedule for your mortgage or loan.

Debt Consolidator
This calculator can show you how much you might save by consolidating your debt at a lower interest rate.

PERSONAL FINANCE

Household Cash Flow Statement
The first step in building a wise financial plan is determining your family's income and expenses.

Net Worth Statement
Complete your personal financial picture by pinpointing your personal assets and liabilities. 

BUYING A HOUSE or PROPERTY, this is a pretty good calculator, it covers a lot of math that will become part of the processing of getting a home or rental. 

https://www.ratehub.ca/mortgage-payment-calculator

“Solving a problem for which you know there’s an answer is like climbing a mountain with a guide, along a trail someone else has laid. In mathematics, the truth is somewhere out there in a place no one knows, beyond all the beaten paths. And it’s not always at the top of the mountain. It might be in a crack on the smoothest cliff or somewhere deep in the valley.” ― Yoko Ogawa, The Housekeeper and the Professor

Looks like this would be an interesting read https://www.goodreads.com/book/show/3181564-the-housekeeper-and-the-professor

Peak Disclosure - Please click here

https://www.cbc.ca/news/technology/organic-waste-composting-1.5291132

We have been doing the recycling for sometime now. Recently I decided that we need to start composting a little more seriously. So we changed our garbage can into a compostable receptor and put a little can beside it for actual garbage. The results of separation over the first week was an eye opener. Big reduction in waste. 

On a mass scale this is huge. I have just did it for the office. With time will get the whole building involved. We have been doing this at the house for a couple years now with nice results. Sure saves a lot of money and trips to the dump, plus created some awesome resources for the gardens. 

We all could do this. Looking forward to seeing if change can happen for you. Reduce your impact on the environment, one step at a time. 

Tim

”People Influence People”

Together, lets make a difference! 

Ps we setup rain barrels in 2012 when I moved on site. These help keep the fliers watered through out the dry season. 

https://youtu.be/jy-cRzJBD6w

Let’s bring more value to our clients 

http://advisoranalyst.com/glablog/2018/12/27/dan-richards-how-to-be-the-most-valuable-advisor-to-clients.html/

#1 Trusted Advisor

- able to talk about the things that really matter the most 

- like, why your wealth matters

Reflecting ”it’s why we help families achieve life’s major goals”

#2 Network Access

- I have lived in this region for most of my adult life, I do have a large network of contacts in various areas that can benefit our clients should a need come up, we can connect you

 http://advisoranalyst.com/glablog/2018/12/28/dan-richards-how-to-be-the-most-valuable-advisor-to-clients-part-two.html/

#3  Specialization

- excelling in client segmentation is the hallmark of top advisors. Your able to demonstrate your core values in your stories that people can relate to. This brings value to the relationship. 

We have developed relationships with Family’s that have businesses. Those that have an entrepreneurial insight that in many ways flows from our tax business. We have a lot of legacy clients and referrals from this foundation built over the last thirty years. We need to get better at telling our story. We have reduced risk by providing SRI practices in our investment solutions and portfolios that use pension management asset allocation processes. Stable returns with less risk. All this reduces risk, providing confidence and word of mouth opportunities to share what we have done, all within a confidential environment. Our team continues to grow and specialize within the different areas we discover are important to Achieve Life’s Major Goals. 

Timothy L. Ross Family Advisor © , Since 1988

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 PEAK Investment Services Inc.

 Brock Shores Financial 
#ImprovingFutures

We help families plan and implement strategies to accomplish "Life's Major Goals"

• Tax Smart Planning & Investing
• Worry Free Retirement
• Education of Our Children & Grandchildren
• Quality Care For Our Parents
• Meaningful Financial Help For Our Loved Ones
• Meaningful Legacy

Markets - Tuna is basically on sale

 http://advisoranalyst.com/glablog/2018/12/28/a-bakers-dozen-reasons-why-stocks-can-tactically-rally-from-here.html/

Things that “could” happen

http://advisoranalyst.com/glablog/2018/12/28/kass-10-surprises-which-could-spike-the-market-5-in-one-day.html/ 

Reviewing my farm paper, I came across this resource and encouraging place #RootedInStrength http://www.domore.ag

What greater gift than the love of a cat. ~ Charles Dickens 

“Altria will pay a USD$2 billion bonus to Juul's 1,500 employees as part of the price for its stake in the e-cigarette maker. While that averages out to USD$1.3 million a head, actual payouts in the form of special dividends will depend on factors such as longevity at the company, CNBC says. The maker of Marlboro cigarettes is paying a total $12.8 billion for a 35% stake, valuing the California startup at $38 billion. Juul recently said employees can only vape outside company facilities to conform with laws governing the use of tobacco in the workplace. • Here’s what people are saying.

Wow, nice vice bonus  1.3 million average for 1500

Many may know, in our own area in Smiths Falls, Canopy Growth has created over 100 millionaires that work at this local company. I understand everyone that works there is a shareholder of some sorts. Those early employees got vested early and have benefited immensely for working their buts off and taking a chance on a new industry.

Employees investing in the company they work for is a very good thing. I see many examples of this happening with those that are public companies and some private companies. Good lessons here for private companies and employees to work towards.  

Tim

Kevin O'Leary love him or hate him, he has some great experiences and advice

Kids and Money thoughts

The dead bird under the tree is the one that never learned how to fly, so are you a dead bird or are you going to learn how to fly.

Thoughts on allowances, work for kids, learning lessons , equate the value of money to time worked , time and money are interlinked 

https://www.msn.com/en-ca/money/video/what-convinced-kevin-oleary-to-financially-cut-off-his-kids-after-college/vi-BBFyG38?refvid=BBEYZ3M&OCID=ems.display.welcomeexperience

I am reminded of my brother in law to be and what he has set up with his kids to earn money, it kinda neat and inspiring. 

https://www.youtube.com/watch?v=2wseM6wWd74&list=PLhhVyaUmOQupT95UiO_74c0-wATcRxceV&index=13

Interesting video on how our cells stay young. Some great lessons to learn here in biology from the research in Pond Scum.

Health Span vs Disease Span  ... 

Do you have control over the length of your telomeres ?  Chronic stress effects , seeing things in a new light, seeing into the lives of the real people, the effect on  people who get worn down, the patterns.

The longer in a tough situation and the more you perceive your under stress the shorter your telomeres and the quicker your untimely death will occur. Interestingly you can change that through thought perception, so there is hope.  Be resilient to stress, a day in, day out, challenge, so you can control how you age way down to your cell level by how you feel about it, good attitude results in better aging process. Improve attitude, it matters, negative thoughts creeps up cortisone and damages your telomeres , vs a challenge to tackle where the blood flows and it is good, bring it on and you do just fine. 

You have power to change what is happening to your own telomeres. Factors outside our own skin, social , as early a childhood, all impact your telomeres and have a  long term effect We are interconnected, we can impact our own and others. 

What legacy will be have , will we invest in the next generation and what will that impact have on maybe the whole world ?

Are you curious, how will you make a difference?

Now you can protect your telomeres and how will you make sure the world invests in curiosity for the sake of the generations that come after us?

Good questions, now what are we going to do? For me, I am going to nip those negative thoughts with positive solutions. ~ TLR 

I am often asked what is Omega Stewardship ® ? 

There is a number of trademarks that I have created since starting the business back in 1988. They represent the idea that we can somehow condense what we do in a few words. The goal is that it helps people understand what we do quickly and to the point. It's an incredible idea to think one can do that, considering everything that we do. This process is certainly not unique to our business, and for business owners, employee's, volunteers of charities etc it's a great process to go through. 

I will tackle each of these as I move forward with the site and explain a little about the history and back story behind some of these words that we use to describe what we do and what we want to see , our vision, mission, and core values.

Omega Stewardship ® is one of the trademarks that I created over the years. It is a process that uses industries best practices and is a mind set of continual improvement. In it's simplest form it describes our process of what we want to accomplish, the value that we want to bring and some of the principals that we want to apply and accomplish  in all our activities of service to our clients at Brock Shores Financial. The three lines below covers the main goals that I feel will help towards the mission of #ImprovingFutures

Timothy Ross, CEO & Founder, Brock Shores Financial #ImprovingFutures

Family Office providing OMEGA STEWARDSHIP ®

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

"Helping Families Achieve ... Life's Major Goals"®

"Where Client Goals Become Our Goals" ®

Tax and Consulting Services in Association with Timothy Ross & Associates www.TimothyRoss.com
Family Office providing Insurance Products in Association with Financial Horizons Group www.financialhorizons.com/our-story
Family Office providing Mutual Funds in Association with Professional Investments (Kingston) Inc. www.pro-invest.ca

www.BrockShoresFinancial.ca

#ImprovingFutures

Well, It's Nov 19th, 2017 a Sunday morning and I'm back on the Ning Network relearning about this community platform. I first used this platform about 8 years ago. I had setup omegastewarship.ning.com for my business and govern.ning.com when I ran for Council in Elizabethtown. I'm kind frugal and I was enjoying the benefits of their free site and then they changed, I wasn't big enough to have the paying ones, so when they changed I was not too happy, I did subscribe for awhile, however in those days, Facebook was just getting going and that was free, and I also had a few blogs on the Blog.ca site which was a small annual fee. I made a decision to abandon the Ning site, I had multiple options which seemed to be very cost effective, so made a decision to do so. Now, here I am "Full Circle".

Right away, I am impressed, and remember how simple and flowing this platform was. So, first five minutes, I'm signed up,  I'm engaged and feeling good about this decision. 

As I am doing this first blog, I am thinking a variety of thoughts. One of the things I would like to do is setup business's and all the little things that are required to do so, I'm very good at it. I think it is a marketable value added service and have had some good success helping others get going with their ideas. So, I'm going to add a few tips along the way which can help anyone launch that great idea on a good foundation. If your just starting out or wanting to rebrand your business or change the structure, you will be able to seek our Family Office here at Brock Shores Financial and we will be able to support your dream. 

Well I better stop, and go for a walkabout ad get some fresh air and enjoy the fresh snow that is falling, make some tracks.

Have a blessed day

Timothy Ross, CEO & Founder, Brock Shores Financial  #ImprovingFutures

PS: leave some comments, tips of your own, links that helped you, the good and the bad, this is our community, your contributions are appreciated.