Timothy Ross's Posts (172)

ESG - SRI August Reflections



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


What is Responsible Investment?

Responsible investment (RI) refers to the incorporation of environmental, social and governance factors (ESG) into the selection and management of investments.

RI has boomed in recent years as investors have recognized the opportunity for better risk-adjusted returns, while at the same time, contributing to important social and environmental issues.





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CRA timelines

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,


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Ontario Renovates Program



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.


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


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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




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Giving Back To Your Community



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



CommUNITY Gleaning for Food Bank adventure for almost 10 years




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


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Cast your bread upon the waters

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 .... 



 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.“

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Let’s not forget Joy

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.



Psalm 98 King James Version (KJV)

98 O sing unto the Lord a new song; for he hath done marvellous things: his right hand, and his holy arm, hath gotten him the victory.

The Lord hath made known his salvation: his righteousness hath he openly shewed in the sight of the heathen.

He hath remembered his mercy and his truth toward the house of Israel: all the ends of the earth have seen the salvation of our God.

Make a joyful noise unto the Lord, all the earth: make a loud noise, and rejoice, and sing praise.

Sing unto the Lord with the harp; with the harp, and the voice of a psalm.

With trumpets and sound of cornet make a joyful noise before the Lord, the King.

Let the sea roar, and the fulness thereof; the world, and they that dwell therein.

Let the floods clap their hands: let the hills be joyful together

Before the Lord; for he cometh to judge the earth: with righteousness shall he judge the world, and the people with equity.


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.



Learning to trust is one of life's most difficult tasks.
Our God, our help in ages past, Our hope for years to come; Be thou our guard while troubles last, And our eternal home
For Satan finds some mischief still For idle hands to do.



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


May every day grow from these seeds. 

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Hustle On Trees and Trucks

Interesting view of future from the folks at Hustle 



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Snap 20 percent on your taxes

Great article sent to me on this topic. My lady loves going to the gym, efficient, that is what she wants. I don’t go to gym very much, I prefer the actual work on something gym of life. The “Wood Splitting Club” , the “Shovel Gravel Club” , the Throw Bales Club” , the Push Lawn Mower Club” , the Garden with a Shovel Club” , lots of clubs , also the Hiking Club” , lots of options to work on your core physical fitness. Enjoy the article, learn about the business of the gym club. Alternatively, get a personal training and join some of the clubs that interest you. Have fun, and if you get to our local Snap Fitness friends gym, let us know, we decided this fall (2018) to offer a 20% discount on the personal part of your tax return. Supporting small business and our clients fitness goals in 2019.



Why gym memberships probably aren't worth the money

More than half of all gym members never actually go to the gym — yet year after year, they continue to pay for a service they don’t use.


Shortly after the clock struck midnight on New Year’s Day of 2018, Josh Kline closed his eyes and vowed a resolution: He’d sign up for a gym. He’d go every day. He’d lose the paunch and reclaim his former glory.

Yes, he was 6 beers deep and full of carne asada. But dammit, things were differentthis year: He was going to do it!

A few days, and a few inspirational Instagram posts, later, the 32-year-old New Jerseyan found himself at a local big-name gym, inking a $650 annual contract. Sans the hidden fees, that worked out to a little under $50 per month — a steal, he figured, for 365 days of value.

But by early February, his commitment began to wane. “Every day” became every other day; every other day slipped to twice per week… once per week... zero times per week. At year’s end, his attendance tally looked something like this:

A little too ambitious there, Josh? (Zachary Crockett / The Hustle)

Kline’s story is familiar. “Getting more exercise” is routinely the most commonNew Year’s resolution — and every January, gyms bulk up their staff and prepare for an infusion of fresh blood.

There’s just one problem with this: Joining a gym, while admirable, is generally one of the worst investments you can make.

The reasons for this are rooted in the way we make commitments for self-betterment, the core business model of the fitness industry, and even behavioral economics. But before we get into all that, let’s take a look at the bigger picture.

Drop and give me $700

In the United States, 60.8 million people (~1 in 5 adults) have some kind of membership to one of the country’s 38k gyms and health clubs and pay an annual, monthly, or daily fee to work out. Collectively, gyms rake in $30B+ in revenue on an annual basis..

Membership fees vary widely based on your location and gym of preference, but the industry-wide average falls in at $58 per month, or $696 per year.

On top of the monthly fee, gyms often tack on an “annual fee” (paid at the start of each new membership cycle), and an “initiation fee” (a one-time dinger that can run as high as $250, due upon signing).

The main purpose of these fees is to give the gym something to reduce to make you feel like you’re getting a “special” deal. In reality, the gym’s out-of-pocket costs to sign you up ring in at a measly $3.

Gym fees vary widely on a person-to-person basis, and by location, but average around this range. (Zachary Crockett / The Hustle)

Generally, most of these fees are pretty fair.

If the average gym-goer were to use a gym 7 times a week, every week, without fail, $696 per year would work out to a measly ~$1.90 per visit. Even at 4 times per week, you’d be looking at $3.36 per visit.

But here’s the thing: We don’t even come close to 7 gym visits per week. Or 4. Or even 3. What makes a gym membership a poor investment is your lack of commitment.

Staying home and eating cake counts as leg day, right?

A study run by a pair of UC Berkeley economists found that while members anticipate visiting a gym 9.5 times per month, they only end up going 4.17 times per month. That works out to 50 visits per year.

Assuming an average session length of 1 hour, the typical gym member is suddenly paying $14.50 per workout. This stacks up pretty poorly with other things we pay a monthly fee for.

We spend 5x more on a gym membership than we do on Netflix per month — and we use it 10x less frequently! (Zachary Crockett / The Hustle)

Why on Earth is this average so low? Well, it turns out that a vast swath of people who pay for gym use just… don’t go at all.

A Statistic Brain survey[paywall] of 5,313 American gym members found that 63% of memberships go completely unused. The granular stats are even more dismal:

  • 82% of gym members go to the gym less than 1 time per week
  • 22% completely stop going 6 months into their membership
  • 31% say they never would’ve paid had they known how little they’d use it

From their data, the survey authors estimate that the average gym member “underutilizes” two-thirds of her gym dues — roughly $39 per month, or $468 per year.

And as it just so happens, our laziness and lack of commitment are the lifeblood of big-name gyms’ business model.

Gyms bank on you NOT showing up

Each January, when our ambition is riding higher than a SpongeBob wedgie, gyms experience a 50% uptick in memberships.

It’s what one fitness director once called “the perfect storm” — a time when “cold weather [and] a psychological awareness about achieving goals”  draw out lofty ambitions. But most of these new signees, like our pal Josh Kline, eventually fall off the proverbial treadmill.

It seems counter-intuitive, but big-name gyms don’t want us to work out.

"If gyms operate at more than 5% of their membership at any given time, no one can use the gym," explainsone branding consultant. "They want [people] to sign up, but they know that after the 15th of January they won't see 95% of them again."

A vicious cycle (YouTube, via Fox’s “The Cleveland Show”)

The nation’s largest gym chains often sign up 20x the number of people who can actually fit in a given location. They are well aware that most won’t show up.

As Planet Money reported, one Planet Fitness branch in NYC had a max capacity of about 300, but boasted more than 6k members. Similarly, Gold’s Gym and Life Time Fitness often ink 5k-10k memberships per location despite having only being able to house 300-500 people at a time.

In essence, the people who don’t show up “subsidize” membership costs for those who actually do go, allowing gyms to keep their prices down.

So, why do we keep signing up?

As the late economist Thomas Schelling laid out in his 1978 paper, Egonomics, we have “two selves:” The present self (who is highly motivated to work out come January 1st), and the future self (who will inevitably quit by March). These selves are engaged in a “constant conflict between immediate desire and long-term goals.”

Oftentimes, the present self will trick the future self into making good decisions by enlisting a little concept known as “precommitment:” We commit to something in advance to make it harder — or impossible — for our future self to back out.

If our goal is to save money, we might set up automatic paycheck deductions into savings. If we want to learn a new language, we might pay for classes in advance. And if we want to exercise more, we might lock ourselves into annual gym memberships.

And if your goal is to get drunk, you pre-game (Zachary Crockett / The Hustle)

As the blog Refocuser writes, by precommitting, you must “always assume your future self is lazy… you’re practically dragging your future self kicking and screaming toward the ‘right thing’ by taking away his or her alternative options.”

Thing is, this just doesn’t work — and it ends up costing most people money in the long-term.

Okay, so how do I work out for cheaper?

You shouldn’t blame any of this on gyms: They promote fitness and well-being, and, in general, are priced pretty reasonably considering mechanical upkeep, equipment costs, and employee overhead.

Still, it’s hard to justify the cost when the odds of regular attendance are stacked so unfavorably against you.

One alternative is to simply build your own home gym.

The Department of Health and Human Servicesrecommends 150 minutes of moderate aerobic activity (or 75 minutes of “vigorous” aerobic activity), in addition to at least 2 sessions of major muscle group strength training, per week. This is easily achievable without a gym membership.

While the equipment you choose to buy depends on a number of factors, including what types of exercises you want to do, and the space you’re working with, it’s possible to build a relatively space-efficient, full-body setup for the same cost as one year at a gym.

Also highly recommended (and free!): Wrestling bears (Zachary Crockett / The Hustle)

Let’s say you pay the average monthly gym fee of $58 ($696 per year). A home gym, at ~$625, will pay itself off in a little under 11 months; after that, you’re saving $58 per month in perpetuity.

Over the course of, say, 5 years, that amounts to $3,480 in savings — enough to hire a drill sergeant to berate you into working out every day. Problem solved!

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Mushroom adventures



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. 

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2019 P Clear

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. 





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TEDx Brock Shores Idea



This would be a very cool opportunity should it be pursued. 

Lots of great content if you ever wanted to consider everything that should be thought about while organizing an event. 


If if we had a TEDxBrockShores  whatb would we have covered? 


What great innovative speakers would we want to present ? 

Perhaps my son Alex Ross and his work on Radon Detection systems.  

Perhaps , Greg Houldcroft and how he reaches the youth in the community

Newterra and how they have made the words water cleaner

Rotary and what it means to be a Rotarian, locally and globally 

Burnbrae Farms , innovation and family farm

Small business hero’s of our region 

Immigration and refugee 

Canada’s flag and the birthplace connection

Bruce Wylie , a community champion of philanthropy and air waves 

Bringing Ayo Home, the journey and the adoption heart

Dream Mountains Foundation, Shawn Dawson and his goal to climb the seven summits with purpose 

John Barclay, video art of the story 

Mental Health, Shelley McCaffrey 

Shelli Warren and the Leadercast local leadership dream and impact

 Mike Whitford, making the body work the way it was intended to

David Marshall, fastest snowmobile rider in the world, doing business around the world



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Climbing Memories

Coming down is the hardest part of the summit journey, things work differently coming down , that was my personal experience climbing Kilimanjaro , getting down almost killed me. I had two guides going up and five guides going down, thankfully I didn’t need the sixth. There is a lot of analogies between climbing and retirement, looking forward to reading this article. I might add, I started out with a team of twenty, due to my health, I had to do the final stretch on my own, while the rest of team had their own group experience, I was solo. It’s certainly harder. I did a memory walk in my mind as I climbed that night. I seen my friends once in awhile on that part of the journey and they encouraged me, one was a bit delusional and tried to encourage me to give up based on her experience. So life is a bit like this. The key take away, our team leader had the experience, he had successfully climbed Everest and five of the other 7 highest summits of the world and he had climbed Kilimanjaro just over two years previously, experience coaching is important. Shawn gave the advice, encouraged, guided, was there for me and the others, yet in the end you have to take the next step, what ever that step is.



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Homework Dec 28 2019

Let’s bring more value to our clients 



#1 Trusted Advisor

- able to talk about the things that really matter the most 

- like, why your wealth matters

Reflecting ”it’s why we help families achieve life’s major goals”

#2 Network Access

- I have lived in this region for most of my adult life, I do have a large network of contacts in various areas that can benefit our clients should a need come up, we can connect you



#3  Specialization

- excelling in client segmentation is the hallmark of top advisors. Your able to demonstrate your core values in your stories that people can relate to. This brings value to the relationship. 

We have developed relationships with Family’s that have businesses. Those that have an entrepreneurial insight that in many ways flows from our tax business. We have a lot of legacy clients and referrals from this foundation built over the last thirty years. We need to get better at telling our story. We have reduced risk by providing SRI practices in our investment solutions and portfolios that use pension management asset allocation processes. Stable returns with less risk. All this reduces risk, providing confidence and word of mouth opportunities to share what we have done, all within a confidential environment. Our team continues to grow and specialize within the different areas we discover are important to Achieve Life’s Major Goals. 


Timothy L. Ross Family Advisor © , Since 1988

Helping Families Achieve ...Life’s Major Goals ©

* One Stop Process Driven Approach for Retirement & Income Planning
* Personalized Tax Management Solutions for Individuals & Business Owners
* Confidential Wealth Management Solutions 

Mutual Funds  through PEAK Investment Services Inc.

 Brock Shores Financial 

We help families plan and implement strategies to accomplish "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


Markets - Tuna is basically on sale




Things that “could” happen



Reviewing my farm paper, I came across this resource and encouraging place #RootedInStrength http://www.domore.ag

What greater gift than the love of a cat. ~ Charles Dickens 
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