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“If an enemy were insulting me, I could endure it; if a foe were rising against me, I could hide.
But it is you, a man like myself, my companion, my close friend, with whom I once enjoyed sweet fellowship at the house of God, as we walked about among the worshipers.”
Psalms 55:12-14
“Cast your cares on the LORD
and he will sustain you;
he will never let
the righteous be shaken.”
Psalms 55:22
From the same chapter .. David acknowledges His goodness despite all.
So grateful for His faithfulness 💗 for His word 🙌
The evil could be our friend, processes and options evolve
https://www.fastcompany.com/90825641/nuclear-fusion-gamechanger-wind-and-solar-critical-right-now
The year 2022 is coming to a close , and with it the opportunity to bless a charity, support a political cause financially. There is more to giving than money, financial gifts will get you a tax credit that you can use on your taxes , however they have to be made by midnight Dec 31, 2022. I am going to list a few of my favorites, and I welcome you to become a member and share yours in the comment section below. I will also be adding links as resources in the comment section of this postig, so as always check those out.
If you search this platform for Donations & Giving , here is a list of the highlights from the past
https://improvingfutures.ning.com/main/search/search?q=donations
https://improvingfutures.ning.com/main/search/search?q=giving
Some Local, National & International Charities & Foundations
https://www.rotary.org/en/about-rotary/rotary-foundation
https://www.brockvilleandareafoodbank.ca/donate/#Cash
https://www.canadahelps.org/en/charities/the-salvation-army-brockville-community-church/
https://www.yourcommunityfoundation.ca/
https://4-hontario.ca/about-4-h/the-ontario-4-h-foundation/
https://www.eastersealscamps.org/about/camp-merrywood
https://www.eastersealscamps.org/about/wish-list
You may make a year end donation to your home church to support their ministry. You may want to do some extra, so should consider that many of our local church's have beneovant funds, you could donate to one of them with a comment for beneovalant fund, and they will seek out needs in the community with those funds. Search online or attand a service at Christmas or New Years Eve. Note donations New Years Day will not apply for deduction in 2022, but 2023
Political Donations
https://www.newblueontario.com/donate
https://www.peoplespartyofcanada.ca/donate-cc
Other Options
It is getting late in the year for donation of stock, shares, etc. There is some significant tax benefots to do so. These should be planned out with our tax team. You an also setup your own donor advised fund. There are typically donations that one would be considering in the 10,000 plus range. Please contact our office advisor@timothyross.com to discuss how this can be arranged.
https://www.mackenzieinvestments.com/en/services/mackenzie-charitable-giving-program
In the meantime, here is great article to read up on it.
There is so many other worthy causes. Find one that means something to you and bless them this holiday season.
The Lord loves a cheerful giver.
Be Blessed this holiday season.
TLR
“I have found that among its other benefits, giving liberates the soul of the giver. ...
“Always give without remembering and always receive without forgetting. ...
“Giving does not only precede receiving; it is the reason for it. ...
“It's easier to take than to give. ...
“No one has ever become poor from giving.
“Don't Just"
Don't just learn, experience.
Don't just read, absorb.
Don't just change, transform.
Don't just relate, advocate.
Don't just promise, prove.
Don't just criticize, encourage.
Don't just think, ponder.
Don't just take, give.
Don't just see, feel.
Don’t just dream, do.
Don't just hear, listen.
Don't just talk, act.
Don't just tell, show.
Don't just exist, live.”
― Roy T. Bennett, The Light in the Heart
https://ruffedgrousesociety.org/what-is-highbush-cranberry/
Edible Qualities: The fruits/drupes can be eaten raw (though not very tasty that way) or cooked, and like cranberries, they are rich in vitamin C and so have a tart, acid taste (the taste is best after a frost and when picked slightly under-ripe). They are an excellent substitute for cranberries and are likewise used in preserves, jams/jellies, sauces, etc., which make delicious condiments for meat and game. The jam reportedly has a very pleasant flavor. ‘Wentworth’, ‘Andrews’, and ‘Hahs’ are three varieties that are examples of the better-tasting, American form (americanum) versus the European form (see note below). And, how does a glass of juice made with highbush cranberries sound to you? Check out this delicious-sounding recipe courtesy of EdibleWildFood.com.
https://www.ediblewildfood.com/highbush-cranberry-juice.aspx
Came across this article in a few email newsletters that I receive from our mortgage associates. It's a good primer for the topic. Be sure and check out the comment section for future resource additions. ~ Tim
2023 Financial Resolutions
After the whirlwind economic year we have had, making your finances work for you is already top of mind for most Canadians as we head into 2023. Here are some ideas to make your finances work for YOU in the New Year:
Purge Expenses
One of the best goals you can have for the New Year is cutting out all those things that didn’t work the previous year. While we are not referring to your water or electricity bills, there are still many ways you can cut down on costs. For instance, have you recently looked at your phone plan? Consider decreasing services or comparing costs to get a cheaper plan with the same functionality. Are you someone that buys coffee each morning or goes out for lunch once a week? Are you actually regularly watching all those streaming services? Consider where and how you spend your money to determine areas to reduce costs!
Make a List of Goals
Once you have made your budget and reviewed your existing expenses for any opportunities to reduce costs, the next step is to make a list of goals! For some people this will include paying off that credit card or loan, but for others it could be saving up for a family holiday you want to take in the next 5 years. Whatever your goals are, be clear about them and make a resolution to achieve them!
Consolidate Your Debt
Are you dealing with multiple debt sources? From a car loan to a credit card bill, having multiple payments each month can add up and quickly become more than you can manage. If you are struggling with lofty bills and hefty interest rates on your credit cards or other bills, consider consolidating your debt into your mortgage for a single, monthly payment - typically at a lower interest rate!
Pay Fast, Buy Slow
Some great advice when it comes to managing your finances is to pay fast and buy slow! If you pay your bills as soon as they come in, versus waiting, you will have a better idea of where you stand financially at any given moment. You will also avoid any late fees or compounding charges. In coordination with this, you will also want to start buying slower and working to reduce any impulse spending.
Increase Your Income
While it may not seem possible, it can't hurt to look for ways to increase your income in the New Year. Look for promotion opportunities at work, discuss a potential raise or even consider a new job to ensure that you are financially covered!
KYS - Know Your Self
KYC - Know Your Client
KYP - Know Your Product
It is important that your representative has authorization with CRA. Currently the only way to get a business account authroized is to do it through the online portal at CRA called "My Busines Account"
Here is a video you should watch to setup your account. Once that is done, you can add us as your represenative.
https://www.canada.ca/en/revenue-agency/services/e-services/cra-login-services.html
https://www.theglobeandmail.com/canada/article-internationally-trained-doctors-work-canada/
What Does The Name Nei Mean? - name Nei is of Japanese origin and means "new". A user from Spain says the name Nei means "A Happy person, brave".
NEI , the investment company, stands for North West Ethical Investments
NEI Investments is a registered trademark of Northwest & Ethical Investments L.P. ("NEI LP").
https://www.neiinvestments.com/pages/about-nei/#:~:text=NEI%20Investments%20is%20a%20registered,(%22NEI%20LP%22).
https://www.wealthprofessional.ca/best-in-wealth/c/359939
https://twitter.com/neiinvestments?lang=en
https://www.neiinvestments.com/pages/responsible-investing/resources/faqs/
https://www.youtube.com/watch?v=rNz0VGOA9T0
https://www.neiinvestments.com/documents/FundFacts/ff-123-en.pdf
Companies in the NEI Clean Infrasture Fund, as per the June 29,2022 Fund Fact Sheet
https://www.eurasianresources.lu/en/home
https://transaltarenewables.com/
https://en.wikipedia.org/wiki/Longyuan_Power
https://www.acciona.com/?_adin=02021864894
https://www.nexteraenergyresources.com/
https://www.greencoat-ukwind.com/about-us/company-strategy
http://www.canadian-accountant.com/content/practice/more-bite-than-bark
Update important changes Dec 15,2022
News release
December 15, 2022 - Ottawa, Ontario - Department of Finance Canada
Today, Bill C-32, the Fall Economic Statement Implementation Act, 2022, received Royal Assent. With the passage of this legislation, the government is delivering on key measures from the 2022 Fall Economic Statement to help families cope with increasing costs, make housing more affordable, and strengthen and build a thriving net-zero economy with opportunities and good jobs for Canadians.
Key measures adopted in Bill C-32 to make life more affordable include:
Permanently eliminating interest on Canada Student Loans and Canada Apprentice Loans to reduce the burden of student loans on young Canadians.
Cutting taxes for Canada’s growing small businesses from 15 per cent to 9 per cent by more gradually phasing out their access to the small business tax rate.
Requiring Canada’s largest financial institutions to pay their fair share by implementing the Canada Recovery Dividend, a one-time, 15 per cent tax on taxable income above $1 billion of banking and life insurer groups.
Bill C-32 also delivers key components of the government’s plan to make housing more affordable by:
Helping young Canadians afford a down payment faster with the new Tax-Free First Home Savings Account, which will allow prospective first-time home buyers to save up to $40,000 tax-free toward their first home starting in mid-2023
Helping Canadians save on closing costs by doubling the First-Time Home Buyers’ Tax Credit to provide up to $1,500 in direct support to home buyers, starting in 2022, to offset increasing closing costs involved in buying a first home.
Helping families afford to have a grandparent or a family member with a disability move back in if they want to with a new, refundable Multigenerational Home Renovation Tax Credit of up to $7,500, starting January 1, 2023.
Cracking down on house flipping by ensuring that profits from flipping properties held for less than 12 months are fully taxed, starting in 2023, with certain exceptions for unexpected life events (e.g. death, divorce).
And, Bill C-32 invests in jobs, growth, and an economy that works for everyone by:
Supporting the launch of the new Canada Growth Fund, which will help bring to Canada the billions of dollars in new private investment required to reduce our emissions, grow our economy, and create good jobs at the same time.
Securing Canada’s competitiveness by introducing a new 30 per cent Critical Mineral Exploration Tax Credit for specified mineral exploration expenses incurred in Canada.
Eliminating flow-through shares for fossil fuel sector activities by no longer allowing oil, gas, and coal exploration and development expenditures to be renounced to a flow-through share investor.
Let's not forget bare trust reporting, and the huge penalty burden that will be to all that have a intrust account.
Christmas celebrations are happening through out the community. Please check out the comments for wonderful tips, stories that I will glean over the coming weeks. The first one I discovered in my email this morning from a realtor email has to do with decorating. Here is afew tips to help get you started.
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Want to decorate for the holidays, but don't have a ton of cash to spend trimming your tree or stringing up lights? There's still a way.
Dollar stores typically have a large selection of holiday decor, too, so be sure to try your local shop for low-cost options. |
Last night I attended Highway Pentecostal Church's Christmas Banquet, it was a wonderful evening, my mom's birthday, ( they sang happy birthday to her at the end of the program) Lot's of friends that I have not seen in a few years, and many new faces, lots to eat, double helpings and a plate of sweets that filled all remaining gaps. Here is a recording of some Christmas songs played near the end of the celebrations. Enjoy https://www.spreaker.com/user/omegastewardship/episode-19-hpc-dec-11-2022
https://en.m.wikipedia.org/wiki/Catnip
check out comments for prime resources
This is an interesting discovery, check it out. If your interested in public service or know someone that is.
Also, it's good time to pick up a donation credit if this is worthy of your support and you would like a tax deduction on your taxes.
" Liberty Coalition Canada formed the "Christians That Care" (CTC) initiative to help Christians get elected and ultimately influence laws to align with biblical principles.
In 2022, we had 110 Christian candidates from 4 different provinces sign up to get training from CTC for their 2022 municipal elections and 16 of them got elected! CTC candidates received a total of 146,173 votes! We also had 20 CTC candidates come in second place, and 9 CTC candidates came within 250 votes of winning!
In 2023, we plan to expand the "Christians That Care" (CTC) initiative and begin operations in 5 different provinces by hiring dedicated Project Managers, with goals to:
1) recruit 500 new Christian politicians across the country;
2) recruit 500 new Christian campaign managers;
3) recruit 250 youth to our “Youth With A Vision” Political Development Program
4) teach churches how to organize around a local Christian candidate;
5) develop a division that supports currently elected Christian politicians.
In order to reach these goals, WE NEED YOUR HELP! To contribute to LCC’s Advocacy Department, click HERE, select the "Donate to Other Designations" box, select the "Where can we designate your donations" drop-down menu, select "Advocacy," and fill in the rest.
For more specific information about any of these Advocacy items, to get involved individually or as a church, to discuss becoming a candidate, to sign up a youth to our development program or to get more specifics, contact mclark@libertycoalitioncanada.com
Donate | Liberty Coalition Canada
Some resources that will look at grief.
https://lisaappelo.com/25-ways-to-help-manage-grief-in-holidays/
https://www.veseys.com/ca/canada-hardiness-zones-frost-dates
looks like we are in Zone 5b in in Leeds Grenville
Located between Kingston and Ottawa , these are our last frost and first frost dates
| Kingston | April 21-30 | October 1-10 |
| London | May 1-10 | October 1-10 |
| Ottawa | May 1-10 | October 1-10 |
Should a Business Incorporate?
To incorporate or not incorporate, that is the question… a very common question that small business owners ask their trusted advisor. There are so many variables that come into play in this decision, so the answer is, it depends! Read on as we consider the factors to consider with a small business owner. Only then should the transition from sole proprietor or partnership to a Canadian Controlled Private Corporation (CCPC) be taken.
https://www.knowledgebureau.com/index.php/site/kbr/should-a-business-incorporate
