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building up,

Anger,Division,Strife,Bitterness,Whispers,Confusion

 “..Beware of the leaven of the Pharisees, which is hypocrisy. Nothing is covered up that will not be revealed, or hidden that will not be known. Therefore whatever you have said in the dark shall be heard in the light, and what you have whispered in private rooms shall be proclaimed on the housetops” Luke12:1-3

“Every kingdom divided against itself is brought to desolation; and every city or house divided against itself shall not stand:” Matthew12:25

“For where envying and strife is, there is confusion and every evil work. But the wisdom that is from above is first pure, then peaceable, gentle, and easy to be intreated, full of mercy and good fruits, without partiality, and without hypocrisy. And the fruit of righteousness is sown in peace of them that make peace.” James3

I was reading this interesting email from Barking Up The Wrong Tree while enjoying my coffee this Thanksgiving Morning. Today is a wonderful day, the big stores are closed and all of the people employed there are getting a real day off, that is kinda nice if you think about it. I digress, back to the story. I shared ths with my darling wife and she reminded me where wisdom comes from. The Fear of The Lord. I will post the full email in comments and a link to the blog. Check this insight out next time your dealing with a smarty pants. ~ TLR 

 IQ isn’t everything.

"Greater education and intelligence don't necessarily lift you up; sometimes they just provide better tools for digging trenches.  “Intelligent and educated people are less likely to learn from their mistakes, for instance, or take advice from others. And when they do err, they are better able to build elaborate arguments to justify their reasoning, meaning that they become more and more dogmatic in their views. Worse still, they appear to have a bigger ‘bias blind spot,’ meaning they are less able to recognize the holes in their logic.”

A 2013 study from the Journal of Experimental Psychology found that people who were better at wise reasoning did better in nearly every area of life. They were happier, had better relationships, and were even less likely to die in the next five years. The twist?

Intelligence is pretty much unrelated to wise reasoning. And unrelated to those increases in health or happiness. You could have an IQ so high it requires oxygen, and it wouldn’t make you all that much wiser, healthier, or happier. "

https://bakadesuyo.com/2024/10/make-you-smarter/

Peak Disclosure - Click Here Please

One of my esteemed thought leaders that I know posted this early this morning. 

"understand that taxes will be the largest expense during your lifetime
understand the tax code and rules
and get a good tax planner, not a tax preparer (Know the difference)
tax planning is part of financial planning"

It's so true, it's one of the reasons we run a family office, it gives us the full picture of a clients financial life, plus important insights in other aspects of their life as well. We are able to make sure all the pieces of the puzzles fit and a big part of this is to maximize the tax efficency's that my be possible, everyone's sitution is different. 

For many, taxes are number one, even those with modest incomes will find that they are paying a lot out in various taxes, even if there personal federal and provincial taxes is nil or minimal.

Taxes are part of our Mission, Vision and Core Values , incase anyone ever wonder ,  we get it 

Will expand on this topic in the future. 

Tim

Mission - Vision – Core Values
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“Serving our clients and community since 1988”
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OMEGA STEWARDSHIP
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* One Stop Process Driven Approach for Retirement & Income Planning
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* Personalized Tax Management Solutions for Individuals & Business Owners
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* Confidential Wealth Management Solutions
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www.BrockShoresFinancial.ca www.TimothyRoss.com #ImprovingFutures www.ImprovingFutures.ca

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Helping Families Achieve ... Life's Major Goals
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1. Tax Smart Planning & Investing
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2. Worry Free Retirement
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3. Education of Our Children & Grandchildren
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4. Quality Care for Our Parents
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5. Meaningful Financial Help for Our Loved Ones
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6. Meaningful Legacy

Peak Disclosure - Plese click here

https://www.treehugger.com/cleaning-organizing/tsundoku-practice-buying-more-books-you-can-read.html

The Japanese word describes piling up books to save for later ... even if you'll never actually read them.

"Even when reading is impossible, the presence of books acquired produces such an ecstasy that the buying of more books than one can read is nothing less than the soul reaching towards infinity."

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I started my library in a serious way back in 1993 after I met Jim Rohn. I have read most of the books in my library’s , and now I have a word for those that are waiting and willing to share their pages with me. TLR

Are you one of us? A master of tsundoku? Mine takes the shape of the aspirational stack by my bedside table – because I am going to read every night before bed, of course, and upon waking on the weekends. Hahaha. My tsundoku also takes shape in cookbooks ... even though I rarely cook from recipes. And I think I most fervently practice tsundoku when I buy three or four novels to pile in my suitcase for a five-day vacation. Sometimes not even one sees its spine cracked.

My traveling bag of books currently on the go, including a couple rereads for the journey ahead. 

Basics We All Can Achieve

https://finance.yahoo.com/news/ray-dalio-3-financial-recommendations-millennials-153540994.html?soc_src=community&soc_trk=ma

Ray Dalio has some great tips on what one should do, the title says Millennials, however this is a message many should aspire to. 

So no matter where you are in life, reset, restart, contact our team and get a review and clarity for your financial plans. Let’s put some action into #ImprovingFutures 

Enjoy

Timothy Ross

Founder, Brock Shores Financial

advisor@timothyross.com

613-345-0016