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

Mapping the Flow of the World’s Plastic Waste

The first plastic material, Bakelite, was invented in 1907. It made its way into everything you can imagine: telephones, chess pieces, Chanel jewelry, and electric guitars.

But it was in 1950 that our thirst for plastic truly began. In just 65 years, plastic production soared almost 200 times, resulting in about 6,300 million metric tons of waste today.

How does the world deal with this much debris? The truth is, a lot of plastic waste—both trash and recycled materials—is often shipped overseas to become someone else’s problem.

Recycle and Reuse; But Above All, Reduce

https://www.visualcapitalist.com/mapping-the-flow-of-the-worlds-plastic-waste/

https://globalnews.ca/news/4870976/canada-tax-deadline-what-you-need-to-know/

Some great things to consider as tax season gets going.

Contact us this week to get some tax planning underway

613-345-0016

advisor@timothyross.com

https://blog.commonwealth.com/why-giving-back-to-your-community-matters-for-you-and-your-business?utm_source=hs_email&utm_medium=email&utm_content=69240940&_hsenc=p2ANqtz-9MLFi6FuyNfZGhc2NGwKqtYoKr5-Iq4i1Lxbn2uOd6VcD7hhz9YIiacOf0eHuk9nAwDW1R0tz3G0gwY6CCB5r7wvAPbA&_hsmi=69240940

Great article above on giving back to our community. ~ Tim

Share the Good

As you and your staff participate in community giving back events, remember to have fun, take pictures, and get to know those you are helping. Share photos, quotes, and stories on your website and social media pages. There are many trending hashtags you can use in your posts to help them gain traction:

• #GiveBackTuesday
• #GivingBack
• #Volunteering
• #CommunityInvolvement
• #CommunityGiveBack

Here is a link to our Community Spirit Video's to inspire and remind us

https://www.youtube.com/playlist?list=PL3DA24CDA45EF67C3

CommUNITY Gleaning for Food Bank adventure for almost 10 years

https://www.youtube.com/playlist?list=PLhhVyaUmOQur0rWarodS7R-IZ83neSIGv

Dream Mountains Adventure, over 1 Million raised , over 100 Alumni from our initial climb in 2011

Did you hear ? 2018 was a good year for an ear of corn, right up there with Palladium ,  the staffs  and materials of live, industry and commerce demonstrating the principles and importance of diversification, cast your bread upon the waters for  you .... 

https://www.visualcapitalist.com/periodic-table-of-commodity-returns-2019/

 Ecclesiastics 11:1-6 KJV 

“Cast thy bread upon the waters: for thou shalt find it after many days. Give a portion to seven, and also to eight; for thou knowest not what evil shall be upon the earth. If the clouds be full of rain, they empty themselves upon the earth: and if the tree fall toward the south, or toward the north, in the place where the tree falleth, there it shall be. He that observeth the wind shall not sow; and he that regardeth the clouds shall not reap. As thou knowest not what is the way of the spirit, nor how the bones do grow in the womb of her that is with child: even so thou knowest not the works of God who maketh all. In the morning sow thy seed, and in the evening withhold not thine hand: for thou knowest not whether shall prosper, either this or that, or whether they both shall be alike good.“

Reviewing a January message after listening to the up coming winter storm reports, it’s -38C at my dads farm this morning, you know that is cold, and sounds like we could get a foot is snow here on the Brockville Shores starting this afternoon, now where was I, oh yes, Joy. 

Great article on the remarkable life of the author of this song Joy to the World, written in 1719, a Christmas Carol based on Psalm 98. 

Let’s be reminded to not loose our Joy, and if we have , find it.  Og Mandino reminded us to live every day as if it was Christmas. 

So in the spirit of Christmas, enjoy once again this beautiful message.

https://youtu.be/LWHXch0pd4E

Joy to the world! The Lord is come:
let earth receive her King!
Let every heart prepare him room
and heaven and nature sing.

Joy to the earth! the Saviour reigns:
let men their songs employ
while fields and floods rocks hills and plains
repeat the sounding joy.

No more let sins and sorrows grow

nor thorns infest the ground:
he comes to make his blessings flow
far as the curse is found.

and makes the nations prove
the glories of his righteousnes
and wonders of his love.

https://en.m.wikipedia.org/wiki/Isaac_Watts

Well, lots of reflection and research from that page on joy, feeling it’s timr to add a couple extra bales of straw to the pigs hut to enhance their day as we all hunker down for the storm. May your day be filled with joy and may you find joy if it’s not there. The world is counting on it. TLR

Seeds of Success , Og Mandino

https://www.spreaker.com/episode/10930887

May every day grow from these seeds. 

Interesting view of future from the folks at Hustle 

https://ambassadors.thehustle.co/

https://www.biznews.com/thought-leaders/2013/09/10/retire-at-55-and-live-to-80-work-till-youre-65-and-die-at-67-startling-new-data-shows-how-work-pounds-older-bodies

Interesting article

Tim

We are really like Blades of Grass

https://youtu.be/KqaA8XBI15o

https://www.fresheggsdaily.com/2012/04/marans-ameraucana-olive-egger.html

Some potential new eggs, green, blue, and 007 style 

In a couple months, duck eggs will grace our tables in the spring season 

https://www.visualcapitalist.com/how-every-asset-class-currency-and-sector-performed-in-2018/

Great recap on a see saw year.  The data digs into the US markets mainly. 

The U.S. dollar was the strongest major currency, and the Japanese yen had an impressive year as well.

Energy (-20.5%) and Materials (-16.4%) sectors were the hardest hit.

https://www.mycocultures.com/about/

Decided to learn a bit more about growing mushrooms. So invested in a couple mushroom kits. 

Have had them for a couple weeks and figured I better do something with them. 

The Oyster Mushroom wasn’t waiting for me, and thus the shrooms are starting to develop, so cool. 

Anyway, it wasn’t that hard to get them ready, cut some holes in the bags, and away we go. Now don’t laugh, I was actually out looking for pieces of wood to plant my kits in. Note to self, read instructions first. That was already taken care of , thus the word “kit” . Digging a little deeper, one can purchase the serum and that will require the logs I was searching for, so not all a waste. 

The link above is actually worth a read, inspirational , background on the business that I purchased the kits from. They are out of Quebec and have resurrected a old mushroom farm. Looks like some innovative ideas percolating there. So glad I purchased there, great story.

Learning about what we eat and grow is a good investment in our health, and mental space, helps one appreciate things more, and with time, helps one become more frugal with our resources. There is a certain satisfaction about growing your own food. 

Invested in some books as well about finding and utilizing  the wild mushrooms that we see on our journeys. My favourite mushroom growing up turns out is called Meadow or Horse Mushroom. I know where to find them and when. The challenge is getting there. Next time, I plan to gather and then resettle some closer to home.  

This fall we were blessed with Puff Balls, we had fun with harvesting and eating them. 

Chaga , our fungus from the birch tree, with its healing properties is a daily addition to our hydration adventures. 

Looking forward to our next meal served with our own delectable King Oyster Mushrooms and Shiitake mushrooms, both I have never eaten before. The adventure continues , “Be The Adventure” 

Also got a message from our shipper that the button mushrooms should arrive on Monday. 

Well, it’s 2019, and the year has some challenges already. I just wrote a nice little introduction and I inadvertently didn’t save it and swiped it off my phone. It was a really good reflection, and now I have to start over ! Lesson learned, once again, save as you go along. 

So, this spot is going to be were I dump some of the tough , crappy stuff I find during my travels with the thought that I will be aware, and have the info should I need to remember and reflect on it. It will not be all negative, so the spot is half full and half empty. It will be like a well, hopefully not  a sewer, yet some sluge will seep in. I simply for awhile don’t want to spread  fear, yet do not want to be ignorant of the fact that we have some very fearful items on the world list. 

So, I will endeavour to keep it balanced , and I encourage one to run it all through a filter as there will likely be some parts that don’t sit well. 

When we were on the mountain, we had to drink lots of water. It was critical to our success and health. The water acted like a cleansing agent and it provided additional oxygen to our bodies as the higher altitudes resulted in less available oxygen to use. This extra hydration helped our brains from basically blowing up. The major side effect was one had to pee a lot , at least my personal experience and if you were not peeing clear, you needed to drink more. We would get our water bottles and water backpacks filled every night. My pack was 3 litres and I had a couple bottles so about 5 litres of clear water plus our liquid soups, coffee and teas. A lot of liquid, thus a lot of pressure on the bladder. But it was good. Frankly, I need to drink more, side note to self. 

So, my biggest problem so far this year was writing something twice, it’s a bit different than the first time, be sure and save your work as you go along. 

This article is about as bad as it gets from a global perspective . Guess that’s a good place to start. War and the threat of war. 

https://www.crisisgroup.org/global/10-conflicts-watch-2019

https://www.weforum.org/agenda/2018/01/time-new-social-contract-inequality-work-sharan-burrow/