BACHELORS DEGREE REQUIREMENTS COMPLETED
  
It's never too late to learn something new or finish what you started years ago. It's also good for brain health.
I registered for the Trinity Western University Adult Degree Completion program in May 2019.
39 years earlier in 1980, I had started a Bachelor's program at UBC and quit 2 years later to search for my purpose in life.
Although the TWU ADC can take as little as 18 months to complete, I took the leisurely non-stressful 4-1/2 year approach and finished with a 4.11 GPA.
In the process, I fell in love with Psychology and 3 courses away from completing the Certificate in Applied Psychology.
TIMING LARGE TICKET BUYS
For those large ticket items like automobiles and appliances, plan your purchase at month end, better at the end of a quarter, and best at year end.
Companies that have shareholders produce financial statements on a monthly, quarterly, and annual basis.
These earning reports affect investor sentiment that affects stock valuation.
If the report looks good, the stock price goes up.
If the report is less than expected, the stock price goes down.
By discounting prices, companies have been able to save a poor earnings report by inflating the sales volume.
We have purchased homes in the US at 20% discount on top of a price reduction (not recommended unless you know what you are doing) before the last quarter of the year.
Here is a quick 3-minute read on the Who, What, Where, When, Why of the earnings season.
EXEMPT MARKET PROFICIENCY COURSE
The IFSE is the educational arm of the Investment Funds Institute of Canada and serves to help Canadians improve their financial literacy.
The IFSE EMP course is the only prescribed proficiency course that focuses on the Canadian exempt market.
What is an Exempt Market Dealer?
A firm or individual registered with securities regulatory authorities in Canada to trade securities that are not listed on a stock exchange and are not available to the general public.
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