Peak Disclosure - Click Here Please

We make a living by what we get, but make a life by what we give.

-Winston Churchill

I came across this quote while reading my Habitat for Humanity newsletter yesterday.

Great organization, I have many fond memories of the people there, the history that I have shared with many, I remember Valerie Kines, Second Cup, Rotary times with her , climbing with David & Becky raising funds with them ( 15,000 + for our Everest Base Camp adventure which ended by earthquake)  with Dreams Mountain Foundations Alumni, at the events we held , Kim Rice and her husband promoting the local events for us, Gerry and his wife, and all the little trips and finds at the store,  good stuff to warm my heart.   https://dreammountains.com/dreamteam/

Since 2009, the Dream Mountains Foundation and its climbers have raised:  $1,287,723

So doing a little gleaning from the email, here are some highlights

HABITAT TIDBIT
 

Former President Jimmy Carter, who has volunteered with Habitat for Humanity for 35 years, will be turning 95 on October 1st.
The former President and his wife Rosalynn Carter are continuing this commitment to Habitat by joining future homeowners and volunteers this fall to build 21 new homes in the Park Preserve neighborhood of Nashville. This is an amazing feat not only for someone of the former presidents age, but also for the fact that he had to undergo hip surgery this past spring after falling in his home.  The Carter's not only support Habitat at home but also abroad. In 2017 they came to Canada to help build homes for the Jimmy & Rosalynn work project.

getting closer to starting our build in Cardinal. In the next few weeks we should be posting on our website at www.habitat1000islands.org the details of when our ground breaking ceremony will take place!

World Habitat Day is on October 7 -   this is a United Nations awareness day designed to bring attention to the state of our towns and cities, and the right to adequate shelter for all. It's election time, so it's a perfect opportunity for us  to ask our candidates how they will help make safe and affordable housing a priority.

Waste Reduction Week in Canada is recognized from October 21 to 27.  Why not do your part by donating to our ReStores your gently used household, or renovation items that are still in great shape? You'll not only help support Habitat, but also save re-usable items from the landfill. Visit our website for a list of items we accept. We even take your old appliances, working or not!

TAX TIP !!!!!   when you donate something of some value it often can be appraised and a charitable tax receipt will be given, it's a great tax break, doesn't take alot of time to do and I love adding those onto a tax return. ~ Tim

Example, let's say my friend Mark decides to donate his prized load of tiles that he over bought when building his rental ( and he didn't keep his receipt, if you knew Mark you would understand) and they are worth say $1000 if he could sell them full retail ( they are in good shape)  and if HFH decides that they can sell them for say 50% less, so $500, he would get a tax receipt for the now Fair Market Value of $500 and on his taxes he would get an extra refund of $232 with that one decision. That would almost pay many peoples tax bill from me for a couple years, basically taxes are done for free with a little thinking and generosity. Now if one of us could do this everyday for a year 232*365 = 84,680 in tax savings in our little group, one a day and the charity now has $182,500 in potential sales (to build a house for a young family) ,  $365,000 in goods at retail value, and if it was all tiles, now we are just getting crazy.  Neat Impact , think about that and do it   .... another example would be to donate your old car, get a $500 receipt, same principal, donate a beautiful kitchen table and chairs, you don't need it any more, or you inheritated from your aunts estate, or the kid doesn't need the whatever anymore as they are heading west and no room in the plane and you paid good money for it, bring it in.  

Timothy Ross, Family Advisor, CEO & Founder, Brock Shores Financial

Mutual Funds offered through PEAK Investment Services Inc.

Brock Shores Financial / Timothy Ross & Associates, Family Office Providing Omega Stewardship

4502 Airport Road – Tincap, GTA Professional Center, Elizabethtown, Ontario K6T 1A2

613-345-0016 Office   613-213-4625 Cell/Text    613-345-5231 Fax advisor@timothyross.com 

Executive Assistant: Heather Kiley assistant@timothyross.com

Office Manager: Megan Ross megan@timothyross.com

Mission - Vision – Core Values  “Serving our clients and community since 1988”

OMEGA STEWARDSHIP

* One Stop Process Driven Approach for Retirement & Income Planning

* Personalized Tax Management Solutions for Individuals & Business Owners

* Confidential Wealth Management Solutions

www.BrockShoresFinancial.ca  www.TimothyRoss.com

#ImprovingFutures   www.ImprovingFutures.ca

Helping Families Achieve ... Life's Major Goals

1. Tax Smart Planning & Investing              
2. Worry Free Retirement              
3. Education of Our Children & Grandchildren              
4. Quality Care for Our Parents              
5. Meaningful Financial Help for Our Loved Ones              
6. Meaningful Legacy

Member of Advocis, The Financial Advisors Association of Canada

Member of IFB, Independent Financial Brokers of Canada

Member of RIA, Responsible Investment Association

Member of the Rotary Club of 1000 Islands, Paul Harris Fellow

We value your business, please leave a review on our Bark profile

https://www.bark.com/en/company/brock-shores-financial/q2aev/?show_reviews=true

Have a Blessed Day!   "People influence People”

 Kevin Preston took this picture of me the day we climbed Mount Washington, we decided to go climbing after we returned from Everest Base Camp adventure in April/May 2015, the earthquate in Nepal had prevented us from climbing and we wanted to get in some peaks, it was a great climb, miss you my friend, I was so looking forwrad to hearing your stories about the adventures you had undertaken since I seen you last. ~ Tim  " Got to love a little adventure on the top of a boulder overlooking the big ravine, my legs were starting to get shaky, a life adrenaline rush for sure"

Some interesting charts on differences, thoughts on economy, environment, government, society and each other

Charts: America’s Political Divide, From 1994–2017

https://www.visualcapitalist.com/charts-americas-political-divide-1994-2017/

Well, there is an election underway for Canadians to participate in. 

It’s a reminder that one of the best credits is the political donation tax credit. You can get this every year. 

During an election it gets talked about more naturally. 

Check out the pics below. Support your local candidate and federal party. The rate starts at 75% and goes down to 40% if your investing the max of $1600

Be sure and vote !

Here is an example at 40,000 income which means your making around 20$ an hour. 

here is the tax tables with various levels of contribution levels. 

Locally, perhaps will see you at the debate on Thursday that is open to the public, and also check out the link embeded here for Elections Canada

   Chamber Events

Here is the link !

http://msgfocus.rotary.org/q/1f7y32iQes4FzezWcsvCOdb/wv

Now the rest of the story .....

I came across this article promoting art as a way to promote peace.  W have lots of artists in our area and we have had the priveage to help them over the years.  Some current projects that come to mind is the new art supply store on King Street in the former Home Hardware Store that Mr. Billings ran for decades.

Medium Effort  https://www.mediumeffort.com/

me·di·um   | \ ˈmē-dē-əm

a mode of artistic expression or communication 

​​

ef·​fort  |  \ ˈe-fərt

a conscious exertion of power 

Then there is the Art program for kids that Stacy and her friend started, greta association with Cross Town Impact

https://www.facebook.com/aiartindeed/

You have to get a piece from Terry Shaub, this man carves just wow stuff out of stone. I invested in a beautiful carved rose for valentines a couple years ago, very peaceful

http://www.terryschaub.com/http://www.terryschaub.com/

Seen fellow Dream Mountains Foundation  climber Jann Smith at the Brockville Farmers market yesterday and she is with a group of pottery ladies and they had a wonderful display. I picked up a berry wash strainer bowl, looking forward to using that in our summer kitchen.

 https://dreammountains.com/dreamteam/dream-team-2011/

https://dreammountains.com/dreamteam/dream-team-2011/

https://www.brockvillefarmersmarket.ca/

And I can not forget Joanne Raven,  "Raven Expressions", they have some beautiful, aweinspiring coasters and display boards that are incredible.  Fraser was maning the booth at the market yesterday , I may have some pictures that I can add in later.  

Raven Expressions 

Owners: Joanne Raven
Telephone: 613 213 3729
Email: jo.raven54@gmail.com

Products: Unique hand painted tiles of vibrant colours to be used for coasters, trivets, trays, art and charcuterie boards.

Cheers!

Tim

https://business.financialpost.com/personal-finance/high-net-worth/the-simple-strategy-fueling-the-rise-of-bill-gatess-fortune/amp

I came across this delicous looking receipe for Beet Hummus this morning on one of my newsletters. It looked so good I printed and saved here and am starting my post on Hummus. Hummus is something we have in our diet very regularly, typically we make it on the ranch from chick peas.  So I will endvor to expand on this when I can. In the mean time try this out.  :)

Tim

https://atfortyfive.com/colorful-tasty-beet-hummus/

Collective Dictionary Defined

https://en.wikipedia.org/wiki/Hummus

Hummus (/ˈhʊməs/, /ˈhʌməs/;^[1][2] Arabic: حُمُّص‎, 'chickpeas'; full Arabic name: ḥummuṣ bi-ṭaḥini Arabic: حمص بالطحينة‎, 'chickpeas in tahini') is a Levantine dip or spread made from cooked, mashed chickpeas or other beans, blended with tahini, olive oil, lemon juice, salt, and garlic.^[3] It is popular in the Middle East and Mediterranean, as well as in Middle Eastern cuisine around the globe. It can also be found in most grocery stores in North America and Europe.

Nutrition

Chickpeas, the main ingredient of conventional hummus, have appreciable amounts of dietary fiber, protein, vitamin B6, manganese and other nutrients.^[28]

As hummus recipes vary, so does nutritional content, depending primarily on the relative proportions of chickpeas, tahini, and water. Hummus provides roughly 170 calories for 100 grams, and is a good to excellent (more than 10% of the Daily Value) source of dietary fiber, vitamin B6, and several dietary minerals.^[29][30]

Fat content, mostly from tahini and olive oil, is about 14% of the total; other major components are 65% water, 17% total carbohydrates, including a small amount of sugar, and about 10% protein.^[29][30]

^{A great treat that I have come to enjoy, is breaking a piece of kale off the stalk and rolling it up and then dipping that in to the hummus and eating like that, a great way to ingest the Kale!}

^Tim

Brock Shores Financial

"It is only in sorrow bad weather masters us; in joy we face the storm and defy it."
~ Amelia Barr

Got my friendly email newsletter from Bruce in PEI Preserve Company, here is his reflections on the Hurricane Dorian

https://preservecompany.com/blogs/bruces-muses/gardens-of-hope-post-hurricane-dorian

https://m.facebook.com/LiveBeyondOrganic/about/?ref=page_internal&mt_nav=0

https://www.youtube.com/playlist?list=PLhhVyaUmOQuq-3ZjWsulDtaPt02fRFC0B 

https://www.lexiconoffood.com/link/what-beyond-organic

https://www.meadowstonenh.com/learn/beyond-organic 

https://www.fastcompany.com/90328012/this-digital-ledger-helps-small-farmers-get-a-fair-deal

https://www.fastcompany.com/90399623/theres-a-new-group-of-workers-spreading-organic-pesticide-on-crops-bees?utm_campaign=eem524%3A524%3As00%3A20190908_fc&utm_medium=Compass&utm_source=newsletter 

https://www.moneytalkgo.com/five-questions-private-school/

Timothy Ross , Family Advisor

CEO & Founder, Brock Shores Financial

Mutual Fund Representative through PEAK Investment Services Inc.

This transmission is intended solely for the individual or entity to whom it is addressed and is confidential in nature. Please be advised that any distribution, reproduction or other use of this document by anyone other than the addressee is strictly prohibited.  If you have received this communication in error, please notify us immediately.  Thank you for your assistance

Brock Shores Financial / Timothy Ross & Associates

Family Office Providing Omega Stewardship

4502 Airport Road – Tincap, GTA Professional Center

Elizabethtown, Ontario K6T 1A2

613-345-0016 Office   613-213-4625 Cell/Text    613-345-5231 Fax

 advisor@timothyross.com 

Executive Assistant: Heather Kiley assistant@timothyross.com

Mission - Vision – Core Values

“Serving our clients and community since 1988”

OMEGA STEWARDSHIP

* One Stop Process Driven Approach for Retirement & Income Planning

* Personalized Tax Management Solutions for Individuals & Business Owners

* Confidential Wealth Management Solutions

www.BrockShoresFinancial.ca  www.TimothyRoss.com

#ImprovingFutures   www.ImprovingFutures.ca

Helping Families Achieve ... Life's Major Goals

1. Tax Smart Planning & Investing              
2. Worry Free Retirement              
3. Education of Our Children & Grandchildren              
4. Quality Care for Our Parents              
5. Meaningful Financial Help for Our Loved Ones              
6. Meaningful Legacy

Member of Advocis, The Financial Advisors Association of Canada

Member of IFB, Independent Financial Brokers of Canada

Member of RIA, Responsible Investment Association

Member of the Rotary Club of 1000 Islands, Paul Harris Fellow

We value your business, please leave a review on our Bark profile

https://www.bark.com/en/company/brock-shores-financial/q2aev/?show_reviews=true

Thank You

Have a Blessed Day !

"People influence people”

https://td.fluid.events/fallroadshow2019

Plan to attend this fall event. 

TD manages a number of the bond components of our portfolios that I use. It is something they  are very good at. 

I will post highlights in comment section while I attend the Ottawa review in Oct 

Road Show Highlights 

• perspectives from TD Economics on trade rifts between global superpowers and what it could mean for the Canadian and global economy
• Hear TDAM Portfolio Managers highlight their market outlooks and how their mandates are taking advantage of global opportunities and trends
• Tap into the real story behind Intergenerational Wealth Transfer and how to position your business for NextGen

Interesting that Brazil had a bigger economy than Canada 

https://www.visualcapitalist.com/the-86-trillion-world-economy-in-one-chart/

Then 2030 , 11 years from now 

https://www.visualcapitalist.com/animation-the-biggest-economies-in-2030/

Timothy Ross

Mutual Fund Representative through PEAK Investment Services Inc.

CEO & Founder, Brock Shores Financial 

Brock Shores Financial / Timothy Ross & Associates

Family Office Providing Omega Stewardship

4502 Airport Road – Tincap, GTA Professional Center

Elizabethtown, Ontario K6T 1A2

613-345-0016 Office   613-213-4625 Cell/Text    613-345-5231 Fax 

 advisor@timothyross.com  

Executive Assistant: Heather Kiley assistant@timothyross.com

Mission - Vision – Core Values 

“Serving our clients and community since 1988”

OMEGA STEWARDSHIP

* One Stop Process Driven Approach for Retirement & Income Planning

* Personalized Tax Management Solutions for Individuals & Business Owners

* Confidential Wealth Management Solutions 

www.BrockShoresFinancial.ca  www.TimothyRoss.com

#ImprovingFutures   www.ImprovingFutures.ca

Helping Families Achieve ... Life's Major Goals

1. Tax Smart Planning & Investing               
2. Worry Free Retirement               
3. Education of Our Children & Grandchildren               
4. Quality Care for Our Parents               
5. Meaningful Financial Help for Our Loved Ones               
6. Meaningful Legacy

Member of Advocis, The Financial Advisors Association of Canada

Member of IFB,  Independent Financial Brokers of Canada

Member of RIA, Responsible Investment Association

Member of the Rotary Club of 1000 Islands, Paul Harris Fellow

Home Office  can mean potentially some nice tax deductions, check in with me and we can discuss your situation and perhaps save you a few grand every year and protect it from CRA should they question yet, plus a Hst Rebate that many miss

Great article on Home Office Decorating and Setup sourced from Dave Wilson a great local realtor / broker in the Brock Shores area. I seen this article on his Linked In feeds and it inspired me to work on this blog. It reminded me of the importance of having this deduction if possible and what qualifies. 

https://freshome.com/rooms/office/

Now the basics ......

Watch the sub-advisor for  NEI Environmental Leaders Fund discuss their approach to impact investing in this Youtube clip. 

https://www.neiinvestments.com/pages/products/portfolio-managers/impax/

NEI Environmental Leaders Fund Series A

https://www.neiinvestments.com/pages/prices-and-performance/profile/?ticker=F00000WOTP

NEI Setting the standard

This paper offers a deep dive into standards for responsible investment – and how NEI is helping shape the field.

Principles for Responsible Investment (the PRI)

https://www.neiinvestments.com/documents/Research/ESG-Standards-WhitePaper-2019-ENG.pdf

I have been reading a few posts from various investment  managers about how Disney has been ramping up for a distribution model for their movies on line and how that will improve their value. Came across this article this morning and felt it is worth sharing, gives us some perspective about the new service. As a Netflix subscriber, I can see this playing out, check it out.

Tim

Why Families Will Ditch Netflix By 2020

Having too many streaming services just won't be practical anymore.

www.fatherly.com/play/why-families-will-ditch-netflix-by-2020

On Tuesday, the highly-anticipated streaming service Disney+ revealed a new streaming bundle consisting of  Disney+, Hulu and ESPN. This will cost $12.99 a month, which is the exact same price as the standard HD two-screen plan for Netflix right now. Right there, families who are planning on getting Disney+ can do the math. With Disney+ you get the entire vault of Disney animated movies streaming, plus a smattering of Marvel movies, Star Wars movies, and yeah, that new Star Wars TV show — The Mandalorian — that starts streaming on November 12. (This show is being run by Jon Favreau by the way, you know the guy who directed the first Iron Man? Anyway, I digress. You get it. This streaming service is big.)

Photo throw back from Oct 2016, delivery of potatoes to the Brockville Food Bank, one of our annual efforts to #ImprovingFutures , gleaning the fields at Tincap Berry Farm near end of season, 10,000 plus produce donated to various food banks in the area

https://advisoranalyst.com/2019/08/12/does-sustainable-investing-constrain-a-portfolio.html/

Came across this article in my email box this morning

"Sustainable investing is often misunderstood. Many investors think a sustainable agenda limits a portfolio to a narrow piece of the market. In fact, plenty of stocks can help investors create social benefits while generating strong returns—if you know how to find them."

and I was reminded why I like them ESG and SRI in our client portfolio's .

ESG = Envirnomental , Social,  Goverence

SRI = Socially Responsible Investments

https://www.riacanada.ca/responsible-investment/

What is Responsible Investment?

Well, today we got an update on CRA timelines for adjustments, agent say's " We don't give out deadlines anymore as we are unable to respect them"  .... So ....  waiting for an adjustment to process is an unknown once again. It has been our experience, if you owe money, they will get right on it, if you are getting a refund, they have no idea.

Have a wonderful day!

Tim Ross

“Moonlight drowns out all but the brightest stars.”
― J.R.R. Tolkien,

https://www.leedsgrenville.com/en/services/ontario-renovates-program.aspx

Here is a link to a program that maybe of interest to seniors or those with a disabilty , with family incomes under 60,000 and assets under 20,000 ( excluding home valued under 225,000 )

This looks like a good option for many that need to get some of these items taken care of. Feel free to share this info with others that may benefit as well.

Thanks

Tim Ross

The Ontario Renovate program may help with

• heating systems
• vents
• chimneys
• electrical systems (not solar panels)
• windows and doors
• plumbing
• roofs
• septic systems
• walls
• well water and well drilling
• floors and ceilings
• louvers

Qualifying accessibility repairs include:

• ramps
• handrails
• chair and bath lifts
• height adjustment to countertops
• cues for doorbells/fire alarms

Program Overview

The Ontario Renovates Program is offered as part of the Investment in Affordable Housing for Ontario (IAH 2014 Extension) Program funded by the Ministry of Municipal Affairs and Housing (MMAH), and provides financial assistance to households in need to repair deficiencies in affordable ownership properties. Funding is provided in the form of a 10 year, interest-free forgivable loan based on the cost of approved home repairs up to $15,000, and subject to the availability of program funds. A mortgage will be registered against the owner’s property for the duration of the loan forgiveness period for approved funding exceeding $7,000. The Counties will discharge the mortgage at the end of the loan forgiveness period (i.e. 10 years) at the Counties’ expense. In the event of default under the terms of the Promissory Note Agreement, the applicant/owner(s) shall be solely responsible to discharge the mortgage on the property at his/her expense. To support independent living for seniors and persons with disabilities, funding for accessibility repairs approved to a maximum of $5,000 is in the form of a grant, and does not require repayment.

For Full Fact Sheet

https://www.leedsgrenville.com/uploads/418/Doc_636928236496803884.pdf