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[ad_1] Highlighting several steps taken by the government to protect honest taxpayers from unnecessary harassment, the minister said only a very few countries, such as Australia and the US, currently have such charters in place. [ad_2] Source link

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[ad_1] States urge halt to Trump plan excluding millions of immigrants from representation [ad_2] Source link

[ad_1] The state government has also cautioned farmers and seed companies to inform officials immediately in case they come across such suspicious seed packets. [ad_2] Source link

[ad_1] Welcome to my weekly book update post where I share what books I read this past week + my honest thoughts and star ratings of them. A Word on My Star Ratings The star ratings I give the books I read are based on a 5-star rating system. I rarely will ever give a book a 1-star rating (maybe never?), because my philosophy is that if a book is only worthy of one star, I’m more than likely going to quit reading it. 🙂 In the same vein, you’ll also notice that I’ll rarely give a 5-star rating as I reserve those for only my very, very favorite books. Want to see all of the books I’ve read so far this year? Check out my Good Reads page. The last three weeks, I finished two books and here are my reviews… Show Up For Your Life This book, by Chrystal Evans Hurst, is written to encourage teen girls to live with more intention and purpose. As the Amazon description says, it’s “a book that empowers young women to appreciate their divinely-created uniqueness instead of comparing themselves to others.” The chapters are short and easily digestible and the book is packed with lots of stories and practical ways to walk out the lessons it contains. I especially loved how the author was so honest in sharing her mistakes and short-comings. As someone who has teen daughters and who helps lead a small group of high school girls in our youth group, I thought it was a worthwhile read. Not all of it was relatable currently (it delved into certain things that my girls haven’t dealt with or struggled with yet), but I picked up some words of wisdom as a mom and youth group leader, plus inspiration in my personal life. Verdict: 3 stars The Way I Heard It I’ve never listened to Mike Rowe’s podcast by this same name, but I really enjoyed this book. It shares little known stories of well known people…  but he doesn’t tell you who the individual is until the very end of the story. In addition, he shares a more personal reflection at the end of each story. These were often my favorite as he’s had such a fascinating life and journey. Mike Rowe is a fantastic storyteller and I get so personally inspired as a writer just by paying attention to how he weaves words and stories together in a masterful way. I especially loved that this audiobook was narrated by him. I loved some of the sections so much that I had to have Jesse listen to them! Note: If you’re familiar with Mike Rowe’s show, Dirty Jobs, you’ll know that he tends to be a little crude at times and there was definitely some innuendo in the book. So if that type of thing bothers you, this book is definitely one you’ll want to pass. I’m giving it a high star rating based upon the vibrant storytelling in this book. Verdict: 4 stars Book I Didn’t Finish: Where the Crawdads Sing — I’ve seen this book mentioned so many places and it has often been recommended. I made it halfway through the audiobook and just couldn’t keep listening Baby Book: Goodnight Moon What have you read recently? I’d love to hear! Tell us in the comments! [ad_2] Source link

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[ad_1] WarnerMedia ousts top streaming executives as part of restructuring [ad_2] Source link

[ad_1] According to SEA’s estimates, the area under kharif and rabi oilseeds crop for 2019-20 has marginally increased to 260.07 lakh hectare, from 258.45 lakh hectare last year. [ad_2] Source link

[ad_1] Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Should investors say goodbye to the 60/40 balanced portfolio? For so many years, investors have fallen back on the classic portfolio split: 60% stocks for growth and 40% bonds to manage the risks. And, historically, bonds would also pitch in on the total return front. But with bond yields at historic lows, the bond component does not have much to offer in the way of returns, and many are suggesting a reset or rethink of the 60/40 portfolio.  From Bloomberg: “‘I don’t think bonds can provide the standard historical returns investors are used to,’ said Andrew Sheets, Morgan Stanley’s chief of cross-asset strategy in London. ‘The starting yield is at a point where that type of return is just not possible. Investors are going to have to lower expectations of 60-40 portfolios, and will have to look elsewhere for what can be in the 40%.’” That said, the humble 60/40 portfolio continues to defy the odds and confound the experts. In 2020 YTD to August 4,  iShares Balanced Portfolio (XBAL) is up over 4%. The one-year return to the end of July was 7.7%.  Go figure.  At the same time as we’re questioning portfolio allocation, we’re also challenging the 4% retirement rule of thumb. In a recent column here on MoneySense, Jonathan Chevreau asked: Is the 4% Rule obsolete?  I really like this article, as well as this approach outlined on Think Advisor involving a “guardrail” of 6%. If you have a year when the annual withdrawal would constitute 6% of your portfolio value, you’ve hit the guardrail. Hit the brakes. You have to lower your spend rate for that year and avoid hitting that retirement guardrail.  My own research leads me to embrace the idea of a “dynamic spending plan” for retirement, which may allow us to spend more during periods when the stock markets are roaring. Make more hay while the sun shines, but always keep an eye on those guard rails. (For many, it makes sense to seek advice from a qualified retirement specialist.) Captain Obvious says: many Canadians have taken a financial detour due to COVID-19 Edward Jones released a study on the changing face of retirement in Canada, focusing on four central pillars: health, family, purpose and finances. The report looks at the impact of COVID-19, which has accelerated many of the trends highlighted in this study.  “We’ve certainly seen COVID-19’s disruptive influence on finances, with the pandemic impacting retirement timing and financial confidence,” said David Gunn, country leader at Edward Jones Canada. One in three Canadians are planning to retire are thinking about retiring later, predominantly for financial reasons. The pandemic has put many important money issues on the table, including the need to plan for retirement, and to create a generous emergency fund.  At the same time, the pandemic has also brought many families closer together, figuratively and literally. We’ve had to huddle and stay within our family bubbles for many months and, for some (but certainly not all), the pandemic was an opportunity to strengthen family ties. (In my neighbourhood, for example, many young adults returned to mom and dad’s house, leaving the downtown condo behind.)  On generational generosity, 63% of respondents said they would help a family member even if that meant jeopardizing their own future. That is being tested in 2020 due to COVID-19: to date, 17% of parents have provided financial support to their children during the pandemic.  The study also found money is not happiness in retirement—a finding that may be surprising to many. Gunn also offered:  “Only 3% say they want their money to enable them to buy or experience nice things. Clearly, security and freedom are the primary purpose[s] of money in retirement.”  One of the main observations was that, for the vast majority, health and family holds more importance than wealth.  Direct indexing: a threat to ETFs and advisors? I’ve been waiting for this trend to catch on.  Direct indexing lets you strip out the companies you don’t want out of an index such as the S&P 500, creating a custom index “fund.” You might create your own socially or environmentally responsible index. You might strip out all of the tobacco companies, gambling and pot stocks, alcohol producers and companies with a poor environmental record. You can also apply other filters, such as stock value or quality.  O’Shaughnessy Asset Management has created a direct investing product with a cool name— Canvas—that is now being shared with a select group of registered investment advisors.  It could be a very useful tool in the arsenal of automated tax loss harvesting.  James Werner, a financial planner in Austin, Texas, was interviewed in MarketWatch:  “He calls Canvas ‘the next generation’ of direct indexing capability, and says with a laugh that ‘the next generation beyond that’— likely one enabled by Schwab—is going to replace financial advisors like himself.” This is an interesting trend, which I’ve been watching since early 2015. Starting with the US Dividend Achievers Index as my base, I simply purchased many of the largest cap holdings to create my custom index. More than five years later, I am more than pleased with the results. Is this a threat to traditional ETFs and advisors? We’ll have to keep an eye on the direct investing trend.  Canadians are starting to gain confidence The Bloomberg Nanos Canadian Confidence Index, which has risen three points over the past two weeks to 49.8, has returned to the torrid pace of gains recorded early in the rebound and has now recovered about two-thirds of its pandemic losses. The recovery from a deep downturn has been strong, given the index’s record low drop to 37.1 in April.  Canadians are showing less worry about finances and their job situations.  Let’s hope more happy and confident consumers will translate to more open wallets.  What the U.S. election might mean for the markets Everything is infused with

[ad_1] Here’s a great idea for dinner on cheap – Buy One, Get One Free meals at Boston Market! Boston Market is offering a coupon for a free individual meal when you buy one individual meal and a drink. Limit one coupon per person per visit. Valid through August 9, 2020. Thanks, Hip2Save! [ad_2] Source link