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PEAK Disclosure - click for colours
https://improvingfutures.ning.com/blog/peak-dealership-representative-disclosure?context=featured
Please always check out the comment section of my blogs, these are located below, there you will find the rest of the story , additional research and information, please also add your own comments when you can, or find relevant stories, build, learn, share.
https://www.showyour4hcolours.ca/
Nov 6 #ShowYour4HColours
@4HCanada
PEAK Disclosure- check for inspiration and education
well, made some progress this morning mapping out some administration for the The Door ... Dare 2 Dream location in Prescott where we are starting a Financial Ministry.
1st , need a calendar to map out the big stuff that goes on in the outreach centre.
2nd, colour coding to identify the focus on the schedule , when you go to a meeting it’s nice to get a feel what you need to bring, besides your phone and perhaps what your attitude tune should be dialling into
3rd, main contacts and some direction to expect to help one navigating the deep so we land softly and effectively, recognizing some of the waters are muddy and knowing that is ok.
4th, sharing some stuff done and ready to share, so we have some progress to review and how to get more on the plan
5th, some useful resources for our Finances that we can start working on today and develop perhaps for the rest of our lives, building some legacy’s
there is usually a half dozen things , so let’s leave some room for God to have His way
Always check out the comments below, I add there, this will be a resource area for a season. You can search for key words and tags of major items. Blog stuff :)
Tim
PEAK Disclosure - click for a view
Please always check out the comment section of my blogs for additional research and information, please add when you can, build, learn, share.
Footpath in Tatra National Park, Poland
The Tatra Mountains form a natural border between Poland and Slovakia, and much of the territory is a park reserve shared by both nations. This photo was taken on the Polish side, but the Slovakian side has the same name: Tatra National Park. To reach this footpath, start in the nearby town of Zakopane, a mountain resort in the Podhale region of southern Poland. The town and region have long been home to members of the Goral, or ‘highland’ people. Today, Tatra National Park overlaps some Goral villages, where the inhabitants maintain cultural traditions such as cheesemaking and woodworking.
March on. Do not tarry. To go forward is to move toward perfection. March on, and fear not the thorns, or the sharp stones on life's path. ~ Khalil Gibran
In the sweetness of friendship let there be laughter, and sharing of pleasures. For in the dew of little things the heart finds its morning and is refreshed." ~ Khalil Gibran
"Forget not that the earth delights to feel your bare feet and the winds long to play with your hair." ~ Khalil Gibran
PEAK Disclosure- pull up a table
I picked up a few used books that caught my eye in September when I was returning home from picking up a load of patio stones at our friend Dave’s. I was winding my way through the roads in Brockville and came across this garage sale that had moved up to free status , near the end of the day. Got a lot of stuff , and this morning I pulled these books out to take to the office for review.
The first was The Devil’s Blade is Dull by Randy Tunney, from Athens, Ontario, Canada. A story of his life prior to being a prisoner in a Canadian penitentiary. The book was published in 2008. Looks interesting, his and his wife’s ministry at the time is Athens Gospel Mission. The website listed was www.free2live.org but that site does not represent this ministry now. Will have to do some research to see what’s happening now.
Now the mortgage part of this is the little book from the Real Estate Association, written in 1984 , 25 years ago.
The key take away here, it only went to 8% and the main tables topped out at 25% , that was the rates of the time.
Well, what can you do ?
Interesting intro from Doug Ford
one thing I Think would be good, to Unite, get a better road happening that connects Central to West, we have a good connection to the East , lots of four lanes heading through the provinces to the Atlantic Ocean.
So, the gaps need to be dealt with, four lanes across the North, expand 11, it’s a major infrastructure that needs to be doubled. Make it saver, and faster , let’s get the country connected . Ontario is the road block, the squeeze, open it up and let the traffic flow.
With increased access through the North, acres of land is there, Economic opportunity, reasonable prices , the big clay belt, a place to grow, emigrate to.
Freeze Drying Seeds Research
https://harvestright.com/blog/2016/freeze-dried-garden-seeds/
Patent for Freeze Drying Seeds
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PEAK Disclosure - click for a feast of info
Great article , got some of them under my belt , a few more to work on, a basic frame work that we should get right, class 101, foundation stuff, get this and then you can tweek it for greater performance.
Simple advice, eat better, you will feel better, live longer, will add that to the list and sounds like a good place to be #ImprovingFutures
Always check out the comment section of my blogs for interesting articles that usually relate to the main blog article on the topic going forward. Join the community and make some of your own reccomendation if you like, we can all learn from one another.
Tim
PEAK Disclosure- click for value
Business Valuation, Taxes & Everything In Between – What You Need To Know
In today’s business climate, understanding value and the factors that contribute to it are critical for companies regardless of size or industry, as well as their stakeholders and their trusted advisors. Ongoing changes in financial reporting standards, tax legislation and policies, legal and regulatory requirements (e.g., family law, shareholder remedies, securities, probate, etc.), debt and equity markets, the business law framework and case law have brought business valuations to the core of corporate decision making.
Spend a worthwhile PD Day with Melanie Russell to hear how and why her and her team of valuation specialists determine the value of business interests including various types of securities, derivatives and various ownership interests, as well as tangible and intangible assets and liabilities.
Melanie's approach is practical, efficient, insightful and logical, reflecting her team’s extensive experience in a variety of valuation situations including:
- Tax-related valuations (planning and disputes): corporate reorganizations; income tax planning, filings and compliance; tax disputes; intellectual property migration; allocation of value on asset purchases; ESOPs
- Financial statement measurement, disclosures and reserves; purchase price allocation; impairment testing; contingent tax liability estimates; financial instruments; ESOPs and restricted shares
- Transaction-related valuations: corporate reorganizations; acquisitions/divestitures; evaluation of financing; Formal Valuations (MI 61-101); fairness opinions; pricing analyses; quality of earnings; disputes arising from transactions
- Dispute-related valuations: matrimonial/family disputes (whether in litigation, alternative dispute resolution, or “kitchen table” negotiations); corporate/commercial disputes (e.g., contract disputes); shareholder/partner disputes; estate disputes; second opinions and critiques of other valuation reports; expropriations
- Strategic valuations: succession/estate planning; income tax planning; estate planning; shareholders' agreement development and compliance; establishing management / employee remuneration; co-habitation agreements; business modelling.
Seminar Outline:
Valuations 101:
- Purposes of valuations
- Value definitions/reference points
- Generally accepted valuation principles
- Overview engagement considerations
- Basic valuation steps
- Valuation basics
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- Principles
- Approaches and methods
- Common valuation adjustments
- Value components
- Cash flow
- Discount / Cap rates
- Redundancies
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- Valuing equity directly vs. indirectly
- Case study
Valuations 201
- Issues specific to private companies
- Critical engagement issues
- Various key valuation issues
- V-date selection
- Reliability of financial info
- Projections/forecasts
- Personal goodwill/key person
- Economic value added
- Minority/lack of control discount
- Marketability discount
- Special securities
- Contingent liabilities
- Disclosure/required documents
- Valuation standards & levels of assurance
- Key valuation issues & common errors
- Expert reports
- Common problems with DCF
- Valuation issues relating to shareholders’ agreements
- Maximizing values
- Dealing with disputes
FMV from a Tax Perspective
- Purposes of valuation
- Keeping it simple - the basics of valuation
- FMV means what, exactly?
- Generally accepted valuation principles
- A brief technical review:
- Valuation approaches and methods
- Common valuation adjustments
- Valuation standards and levels of assurance
- Key valuation issues and common errors
- The practical side - is a formal valuation and/or an external valuator always required?
PEAK Disclosure - click to check the sails
“I can't change the direction of the wind, but I can adjust my sails to always reach my destination.”
Common sense
freedom of speech
many important matters addressed
a fresh perspective
True Canadian values
https://www.peoplespartyofcanada.ca/platform
I was against the idea of removing SM, I have expanded my perspective on this, we are loosing many farmers because of this, consolidation of production is making barriers that are resulting in fewer farmers , perhaps it’s time for a change
Supply Management & Corporate Welfare
World Government
“The Campaign for a United Nations Parliamentary Assembly is a global network of parliamentarians, non-governmental organizations, scholars, and dedicated citizens that advocates democratic representation of the world's citizens at the United Nations. A United Nations Parliamentary Assembly, UNPA, for the first time would give elected citizen representatives, not only states, a direct and influential role in global policy.”
Leadedship at PPC raises the question about how deep is Canada in this, what is the Prime Ministers position on this.
Question and Good point on Carbon Tax, reminds me that my tractor has a unit in it
PEAK Disclosure- the savoury sauce
Jim Rohn said ..... some day you will be able to affford a ten dollar hamburger
I still want ketchup !
PEAK Disclosure - Click to Study
Working on the professional development course to become a CEA
The first item is to review the foundation which supports everything, ethics and your code of coduct. I started my code many years ago, first it was 4-H, later Boy Scouts Leadership, when I started my business many years ago, I adopted the CGA codes for my practice, later it was CAIFA, Kiwanis, Rotary, Advocis, IFB and many more since then. Many of these hang on the walls of my office to this very day, they guides and remind me and our team of the wonderful trust and care we aspire to. ~ Tim
Code of Conduct
Introduction
The Canadian Institute of Certified Executor Advisors (CICEA) Code of Conduct outlines the principles and expectations governing the conduct of its members.
Understanding and acceptance of this code is a requirement of membership in the CICEA.
CICEA retains the right and responsibility to investigate claims against its members and take appropriate action (as outlined below) while providing fair and due process to its members.
Rules of Conduct
1. Integrity
Certified Executor Advisors:
1.1 Will act in an ethical manner at all times.
1.2 Will not engage in anything illegal or anything detrimental to the best interests of the public or which harms the integrity of the institute and its members and affiliates.
1.3 Will provide all requisite due diligence without omission, misleading or false information.
1.4 Will, at all times, act objectively to the best of their ability, and in the best interests of the client.
2. Confidentiality
Certified Executor Advisors:
2.1. Will strictly protect client’s information at all times. If there is any doubt as to the confidentiality of information shared, treat it as confidential until such time as the ambiguity is cleared.
2.2 Will disclose their client’s personal information to third parties only with their client’s consent, or as provided for by law. In such cases take all reasonable steps to inform clients of the imposed breach.
2.3 Will avoid public discussions or comments about clients that could reasonably be seen as revealing confidential or identifying information.
3. Competency
Certified Executor Advisors:
3.1. Will perform only those services for which they have the necessary knowledge, skills, and experience.
3.2 Will refer clients, in all other situations, to competent professionals in the occupations required by the client. (Use the Find-A-CEA directory to locate CEAs by occupation and geographical region.)
4. Communication
Certified Executor Advisors:
4.1. Will provide timely communication in whatever means is preferred by the client, and based on the level of urgency perceived by them.
4.2 Will provide clients with the information they need to make informed decisions, including disclosure of any conflicts of interest, and answer their questions to the best of your ability.
4.3 Will cooperate fully with the institute and provide timely and accurate information as requested.
Disciplinary Action
Certified Executor Advisors being reported to be or perceived to be conducting themselves in a dishonourable or questionable manner, may be subject to disciplinary action from CICEA.
All informal disciplinary actions are considered personal information as defined in Section 3 of the Privacy Act. As such, disclosure is governed by the Privacy Act and information is generally only provided to the parties involved. Informal disciplinary actions can range from counseling to reprimands.
When informal discipline is insufficient, a formal disciplinary committee will be convened to consider information provided by the complainant and the member, ensuring fair and due process. Formal disciplinary actions may include reprimand, suspension or expulsion.
Conclusion
The Code of Conduct is in place to protect the public, the institute and its members and affiliates. Adherence to the code is in everyone’s best interest to provide the very best level of care for clients and ensure strong reputations and healthy business practices.PEAK Disclosure- for you to count on
Let’s get some links and tips for budgeting here
https://www.fatherly.com/love-money/budgeting-tips-expert/
Money has many faces and tells many stories.
PEAK Disclosure- check the ledgers out
Being in business means you need to keep books, for many that is a challenging place, almost like being between a rock and a hard place. Part of our Family Office suite of services is bookkeeping. Connect with us and let our team take care of this for you.
Tim
Looking forward to attending this professional development conference once again.
I will post highlights to this posting at the time of conference for reference in future.
Tim
Thursday, November 7, 2019 8:30am - 3:30pm
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Register Now! |
The 26th Annual Church & Charity Law Seminar™ is designed to assist churches and charities in understanding developing trends in the law in order to reduce unnecessary exposure to legal liability. Although the topics are directed at churches and charities, many aspects of the presentations will also be of interest to not-for-profit organizations.
The firm will be assisted by guest speaker Tony Manconi, Director General of the Charities Directorate of the Canada Revenue Agency.
This seminar is eligible for 5 hours Law Society of Ontario CPD and CPA Professional Development requirements.
The PORTICO Community Church
1814 Barbertown Road, Mississauga, Ontario
PEAK Disclosure- click to savour
Big rig-driving women are the new queens of the roadHere’s something I betcha didn’t know: The number of female truckers has increased by 68% since 2010, due in part to a trucker shortage... and the promise of good pay. Mother truckers make bank… or at least equal wagesThe gender pay gap is problematic in many industries, but not trucking. Truckers are paid by the mile, per load, hourly, and sometimes even by salary... regardless of gender. New technology and changes in warehouse protocol have leveled the playing field. XPO trucks boast a modern transmission system that makes driving less strenuous. And, increasingly, at many warehouses, drivers -- male or female -- are not responsible for loading and unloading the truck. As e-commerce gets bigger, there will be even more demand for transportation workers. Ladies, do your thing. But life on the highway isn’t always easyRookie truckers must spend hours on the road with a trainer, and most are men. Plus, finding a safe place to park overnight can be challenging: Lots are often full at the end of the day, which means late arrivals must drive past their limits or park illegally on the side of the road… which can be scary for anyone. Meanwhile, trucking turmoil is afoot -- er -- awheel? More than 3.6k Mack Trucks employees represented by United Auto Workers are strikingfor fair pay and job protections. This strike comes as the UAW’s nationwide strike against General Motors reaches its 1-month mark. |
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PEAK disclosure, click for a peak
First, follow the “20-20-20” rule. The American Optometric Association defines this rule as taking a 20-second break every 20 minutes to look at something 20 feet in the distance. This will allow your eyes to blink and relax. There are many apps available to help remind you to follow this rule.
Second, use lubricating eye drops before extended computer use. This tactic will reinforce the body’s natural tears and keep the eye’s surface hydrated. But avoid those “get-the-red-out” drops. They contain drugs that cause long-term redness and preservatives that may damage the outer layers of the eye. I have found that artificial tears labeled “preservative free” often work best.
