Blog

https://www.msn.com/en-ca/lifestyle/home-and-garden/30-easy-diy-projects-to-instantly-refresh-your-home/ss-BB1lyxdi?ocid=msedgntp&pc=LCTS&cvid=9863caa7a7a44fb2a50a9b6fb8c6f64d&ei=69#image=31

some cool ideas

Throughout our days, remember the basic's, learn, study, use, do

A Little Reading

A Little Writing 

A Little Arithmetic ( Math) , {I just strugglde to spell arithmetic }

the 3 core study's

plus add

A Little Art

A Little Science

Some Little's to add to our daily devotions,  to improve our lives, get curious, be curious, stay curious

Your life is an N=1 experiment - Get Cracking

2 Dozen a day =720, beats my 120 a month , its a lot of eggs, interesting study and reflections. Puts a different twist on that saying, try this, it might help ~TLR

“This video isn’t really about eggs,” Norwitz told The Epoch Times. “It’s actually a social experiment and reflection exercise for both me and you.” He clarified that while eating hundreds of eggs lowered his cholesterol, the same outcome might not apply to everyone. For instance, hyper-responders—those whose cholesterol spikes significantly after consuming dietary cholesterol—could see different results.
That’s precisely the point: It’s about finding what works specifically for you.

N=1 Science: A Personalized Approach
Personalized science, or N=1 experimentation—a study with just one participant—offers an alternative to population-based research. Instead of drawing conclusions from large groups, N=1 studies focus on the individual, allowing people to directly test how specific interventions affect their unique health profiles.
“N=1 is the future,” Michael Snyder, a leading genetics professor at Stanford Medicine, told The Epoch Times in an email. “We are all different, and now we can collect a lot of data on a single person to make very specific recommendations.”

https://www.theepochtimes.com/health/harvard-med-student-eats-720-eggs-in-30-days-highlighting-a-trend-in-n1-science-5735409

“We can only hope that all our friends and families can live long lives, looking at the moon together, across a thousand miles.”

SU DONGPO

https://www.christies.com/en/stories/su-shi-giant-of-chinese-culture-64a72a8689a14c3694f37f3babcb4abb

‘There is a saying in Chinese art history that “ink has five colours”,’ says Zhou. ‘Ink has all that you need to depict the external world and to express yourself and whatever your artistic impulses have to say. Wood and Rock is a true embodiment of the artist’s state of mind at the time, which you can see so palpably in the painting.’

https://www.sothebys.com/en/articles/su-dongpo-the-chinese-renaissance-man

Su Shi (1037-1101), literary name Su Dongpo, was more than your average Renaissance man. Hailed as one of the most revered, prodigious figures in Chinese culture, he was an artist, writer, philosopher, scientist and hugely influential politician. He executed vast civil engineering projects, championed economic reforms, withstood constant slander and persecution for his steadfast stance against the powerful New Policy Group, and was sentenced to two decades of exile in the lush Hubei province. There, undeterred by cruel fate, he composed some of the most scintillating verses in Chinese literary history, and adopted the name “Dongpo,” meaning “eastern slope.” He was also a famed gastronome, noted for penning the authoritative formula for (not sushi, sorry) a mean braised pork belly, Dongpo Pork (recipe here).

https://chinatripedia.com/su-shi-one-of-the-most-prominent-chinese-poet-during-the-song-dynasty/

Su Shi (苏轼) (1037-1101), also known as Su Dongpo (苏东坡), was one of the most prominent poets and cultural figures of the Song dynasty in China. He was a versatile scholar, poet, artist, calligrapher, and statesman, whose literary works and artistic achievements are still widely celebrated and studied today. Su Shi lived during a time of political turmoil and cultural change, and his life and works reflect the complexities and contradictions of his era.

May we get to look at the moon together across a thousand miles, a few miles or that hundreds that often separate us as we go through our lives. TLR

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/

I have been receiving lovely emails fromIAJW on this for several months now. I am a strong advocate for this habit. Jim Royn was my inspiration for this habit. Todays email had some good insight on the Mental Wellness of Journaling. Here is the 5 Prompts l;isted and a link to the balance of the info. PLease check the comment section for future resources that I will eventually post there over time. Have a blessed day !

https://iajw.org/

This links covers a number of issues very well

https://www.taxtips.ca/filing/principal-residence-exemption.htm

Stewardship Statement – Timothy Ross, September 5, 2024
Biblical Stewardship is the use of God-given resources, time, talent, treasure, truth, and relationships for the accomplishment of God-given goals and objectives.

Recognizing that there is Three Financial Planning Decision Making Principals:
1. There are no independent financial decisions.
2. The longer term the perspective, the better the financial decision today.
3. Financial maturity is being able to give up today’s desires for future benefits.

Stewardship is the only area of Christian Life that cannot be faked. Every spending decision is a spiritual decision. God can take whatever He wants, whenever He wants.

There is Five Priorities that are simultaneous and not sequential, recognizing that God owns it all.

These priorities are how you spend your money and are broken down into Your Live basket, Give basket, Grow basket, Owe Taxes basket and your Owe Debt basket.
Living is always balancing between provision and protection. Gods job is to protect and your job is to provide. Recognizing that Giving breaks the power of money in your life. Debt always mortgages the future and effects sustenance in the future. Taxes are symptomatic of God’s provision for me. Growing margin is the only way to meet your long-term goals.

Long Term Goals typically cover 6 main areas
1. Financial Independence
2. Charitable Giving
3. Freedom from Debt
4. Lifestyle desires
5. Family Needs
6. New Business

There is a continuous predetermined allocation of limited financial resources to unlimited changing alternatives, it is a never-ending process.

Recognize that there is Five Principals of Money Management.
1. Spend less than you earn
2. Build margin
3. Avoid the use of debt
4. Build liquidity
5. Set long term goals and give generously

The Three Fundamental Questions that everyone needs to ask and answer.
1. Who owns it?
2. How much is enough?
3. Is the next steward chosen and prepared?

Overall, as a Financial Advisor, we will see these characteristics in our clients and know that they are practicing stewardship when.
1. They are Giving proportionate to their income
2. They are Living a controlled debt free lifestyle
3. Their Taxes are paid with integrity and with thanksgiving
4. When they have Jointly set financial goals
5. When they are Accountable to someone

We should ourselves as advisors own these principals, decisions, and concepts in order to lead others to financial freedom.

Timothy Ross, CKA® Certified Kingdom Advisor®
https://kingdomadvisors.com/cka/OmegaStewardship-TimothyRoss
Founder, Brock Shores Financial

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

Family Office - “Helping Families Achieve ...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

Brock Shores Financial, Family Office
Mutual Funds through PEAK Investment Services Inc.
Insurance & Banking through PEAK Insurance Services Inc.
Tax & Accounting through Timothy Ross & Associates, established 1988
#ImprovingFutures

Don't forget !

https://www.advisor.ca/tax/estate-planning/managing-digital-assets-in-estate-planning/

 Added in comments Oct 2024, reminder

Are you ready to get your Digital Assets in order?
Everyone needs an Estate Plan that includes Digital Assets.
Here is a link for your free copy of our worksheet:
https://lnkd.in/e9hAr986

A good reflection on the subject.

Napoleon Hill's Thought for the Day:
------------------------------------------------------------

** You never know who your real friends are until adversity overtakes you and you need cooperation.
------------------------------------------------------------

Everybody loves a winner, it has been said, but nobody knows you when you’re down and out. One of the often unappreciated benefits of adversity is that it accelerates the process of identifying your true friends. Most of us have many acquaintances and associates, but we are fortunate to have a handful of real friends. You will very quickly identify yours when you ask them for help. The wise individual is the one who, when asked for assistance, recognizes that he may one day find himself in the same situation.

Wonderful song , son let me tell you now .... 

Source: Musixmatch
Songwriters: Clay Mills / Brice Long / Brandon Davis
Tough lyrics © International Dog Music, Little Tango Music, Sony Lakeview, Step By Step Worldwide Publishing

An area that we will want to monitor

https://slaynews.com/news/canada-links-citizens-bank-accounts-social-credit-score/

https://www.openbankingexcellence.org/

Open Banking
×
Credit Scores
×
Social Scores
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https://practicalselfreliance.com/dandelion-mead/

"Dandelion mead is a bright floral honey wine that’s well worth the effort each spring. It’s a bit like old-fashioned dandelion wine, but with more body and character since honey always makes a better floral wine. "

Sounds like a potential drink to make later this spring, the way the temps have been rising early this yr, we may  have flowers soon. I see the tulips and daffodils are pushing through the earth and spreading their leaves.  - TLR

I came across the history of the Rotary 4 way test yesterday while doing some research on Rotary's Peace Development Leadership  and was able to read about it more fully this morning. It's a good interesting history, the struggle. The test is on our office walls, it's a good reminder of how we should do life. It's interesting how you do not always get all the background on something unless you know the history, do a little research. Guess that is what I just did. Had those words on my wall for years, recited them for years at our Rotary meetings, and I feel I embraced their meaning for my life. However reflecting deeper,  it's good to now know the history, in some small way it means more to me now. I see how my team could embrace this as well, an opportunity to share the Rotary test, as my mentor Jim Rohn often said, a clever short cut. 

Of the things we think say or do ...

Is it the truth?
Is it fair to all concerned?
Will it build good will and better friendships?
Will it be beneficial to all concerned?

May it be so. 

Tim Ross

https://portal.clubrunner.ca/11826/page/history-of-the-four-way-test

One of the world’s most widely printed and quoted statements of business ethics is The Four-Way Test, which was created in 1932 by Rotarian Herbert J. Taylor (who later served as RI president) when he was asked to take charge of a company that was facing bankruptcy.

This 24-word test for employees to follow in their business and professional lives became the guide for sales, production, advertising, and all relations with dealers and customers, and the survival of the company is credited to this simple philosophy. Adopted by Rotary in 1943, The Four-Way Test has been translated into more than a hundred languages and published in thousands of ways. 

Story of the Four-Way Test By Herbert J. Taylor

Back in 1932, the Creditors of the Club Aluminum Company assigned me the task of saving the company from being closed out as a bankrupt organization. The company was a distributor of cookware and other household items. We found that the company owed its creditors over $400,000 more than its total assets. It was bankrupt but still alive.

At that time we borrowed $6,100 from a Chicago bank to give us a little cash on which to operate.

While we had a good product our competitors also had fine cookware with well advertised brand names. Our company also had some fine people working for it, but our competitors also had the same. Our competitors were naturally in much stronger financial condition than we were.

The Four-Way Test, created in 1932 by Rotarian Herbert J. Taylor (served as RI president, 1954-1955)

With tremendous obstacles and handicaps facing us we felt that we must develop in our organization something which our competitors would not have in equal amount. We decided that it should be the character, dependability and service mindedness of our personnel.

We determined, first, to be very careful in the selection of our personnel and, second, to help them become better men and women as they progressed with our company.

We believed that “In right there is might” and we determined to do our best to always be right. Our industry, as was true of scores of other industries, had a code of ethics but the code was long, almost impossible to memorize and therefore impractical. We felt that we needed a simple measuring stick of ethics which everyone in the company could quickly memorize. We also believed that the proposed test should not tell our people what they must do, but ask them questions which would make it possible for them to find out whether their proposed plans, policies, statements or actions were right or wrong.

Considerable time was spent in developing four short questions which now make up the Four-Way Test.  Here are the four questions:

1. Is it the truth?
2. Is it fair to all concerned?
3. Will it build good will and better friendships?
4. Will it be beneficial to all concerned?

I placed this little test under the glass top of my desk and determined to try it out for a few days before talking to anyone else in the company about it. I had a very discouraging experience. I almost threw it into the wastepaper basket the first day when I checked everything that passed over my desk with the first question, “Is it the truth?” I never realized before how far I often was from the truth and how many untruths appeared in our company’s literature, letters and advertising.

After about sixty days of faithful constant effort on my part to live up to the Four-Way Test I was thoroughly sold on its great worth and at the same time greatly humiliated, and at times discouraged, with my own performance as president of the company. I had, however, made sufficient progress in living up to the Four-Way Test to feel qualified to talk to some of my associates about it. I discussed: it with my four department heads. You may be interested in knowing the religious faith of these four men. One was a Roman Catholic, the second a Christian Scientist, the third an Orthodox Jew and the fourth a Presbyterian.

I asked each man whether or not there was anything in the Four Way Test which was contrary to the doctrines and ideals of his particular faith. They all four agreed that truth, justice, friendliness and helpfulness not only coincided with their religious ideals, but that if constantly applied in business they should result in greater success and progress. These four men agreed to use the Four Way Test in checking proposed plans, policies, statements and advertising of the company. Later, all employees were asked to memorize and use the Four-Way Test in their relations with others.

The checking of advertising copy against the Four-Way Test resulted in the elimination of statements the truth of which could not be proved. All superlatives such as the words better, best, greatest and finest disappeared from our advertisements. As a result, the public gradually placed more confidence in what we stated in our advertisements and bought more of our products.

The constant use of the Four-Way Test caused us to change our policies covering relations with competitors. We eliminated all adverse or detrimental comments on our competitors’ products from our advertisements and literature.

When we found an opportunity to speak well of our competitors we did so. Thus, we gained the confidence and friendship of our competitors.

The application of the Four-Way Test to our relations with our own personnel and that of our suppliers and customers helped us to win their friendship and good will. We have learned that the friendship and confidence of those with whom we associate is essential to permanent success in business.

Through over twenty years of sincere effort on the part of our personnel, we have been making steady progress toward reaching the ideals expressed in the Four-Way Test. We have been rewarded with a steady increase in sales, profits and earnings of our personnel. From a bankrupt condition in 1932 our company has paid its debts in full, has paid its stockholders over one million dollars in dividends and has a present value of over two million dollars. All of these rewards have come from a cash investment of only $6,100, the Four-Way Test and some good hard working people who have faith in God and high ideals.

Intangible dividends from the use of the Four-Way Test have been even greater than the financial ones. We have enjoyed a constant increase in the good will, friendship and confidence of our customers, our competitors and the public and what is even more valuable, a great improvement in the moral character of our own personnel.

We have found that you cannot constantly apply the Four-Way Test to all your relations with others eight hours each day in, business without getting into the habit of doing it in your home, social and community life. You thus become a better father, a better friend and a better citizen.”

Table of 2023 kilometre rates for the province or territoryProvince or territoryCents/kilometre

Alberta53.0

British Columbia56.5

Manitoba54.5

New Brunswick57.5

Newfoundland and Labrador59.0

Northwest Territories70.5

Nova Scotia58.0

Nunavut67.5

Ontario59.0

Prince Edward Island56.0

Quebec57.5

Saskatchewan52.5

Yukon70.5

Meal expenses
If you choose the detailed method to calculate meal expenses, you must keep your receipts and claim the actual amount that you spent.

If you choose the simplified method, claim in Canadian or US funds a flat rate of $23 per meal, to a maximum of $69 per day (sales tax included) per person, without receipts. Although you do not need to keep detailed receipts for actual expenses if you choose to use this method, the CRA may still ask you to provide some documentation to support your claim.

https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-25500-northern-residents-deductions/meal-vehicle-rates-used-calculate-travel-expenses-2023.html

https://www.econcordia.com/home/CourseDetails.aspx?id=5249&semester=105

Ya, that's me. 

It's awesome. 

So, I'm going to post some examples of other older fellas that have kids when they are older. A base to start some muses for later. 

My friend Darren, brought up

Al Pacino  https://people.com/parents/all-about-al-pacino-kids/

Al Pacino is officially a dad of four!

The 83-year-old actor welcomed a baby boy, Roman Pacino, with his girlfriend, Noor Alfallah, 29, in June 2023. The couple, who have been dating since April 2022, announced that they were expecting their first child together just weeks before their son's arrival.

Robert De Niro 

https://people.com/parents/all-about-robert-de-niro-kids/

Robert De Niro has six grown kids: Drena, Raphael, Julian, Aaron, Elliot and Helen. In April 2023, he welcomed his seventh child, Gia.

When asked about his six children, the Oscar winner corrected the interviewer and said: "Seven, actually."

"I just had a baby," he explained, though he didn't provide any further details about the little one. 

On the red carpet at the N.Y.C. premiere of his film About My Father, De Niro spoke to Extra about welcoming another child at the age of 79.

"I'm ok with it. I'm good with it," he said, adding that raising children "never gets easier" no matter what age you are.

Well, Benjamin David Lloyd Ross is my 6th child, born last year, his mom Megan is such a wonderfukl mom, wife, friend, I am a very blessed husband, father, grandfather, son, man.  Alex was my first son, born in 1990, his mom is Janet Heaslip, we met at Ag College. I have 4 girls from my 2nd marriage with Kim Quenneville. They are Lisa, Sara, Chelsie and Charly, they may be step daughters, they are my girls 100%.  There is 15 grand kids so far ( one is in heaven). #16 is on track for May 20th, could be a couple more in the works. 11 step sons, if my math is right. 

.. To Be continued, check out comments for more thoughts, articles to keep me functioning well, well into my 90's 

https://www.advotaxlaw.ca/post/a-basic-guide-on-bare-trusts-for-canadian-taxpayers

there is new  trust rules that are now law

lots of requirements and it may affect many people unawares 

this article is a good starter to help determine responsibility for reporting

we do trust returns , CRA has geared up the online reporting options 

Lots to think about 

As always please review comments below for more info gleaned for this topic