Recent buy: DH.to

Bot TSE:DH at $39.2
my first Canadian tech company.

PC financial NEW world elite master card, 3X points

I have just upgraded my pcfinancial master card to this new world elite card. better benefit, no annual fee. 30 points for each dollar spent in Loblaws, nofril and shopper and drugs.

http://www.pcfinancial.ca/whyjoin/

Points you have to see to believe.	Annual fee	In our stores1					Everywhere else	Extras
	None	30 PC points per $1	30 PC points per $1	Bonus of up to 3 cents per litre in PC points3	30 PC points per $14	30 PC points per $15	10 PC points per $1	Plus premium benefits, all for no annual fee.6

Canada’s Best Credit Cards of 2015

According to this review, MBNA rewards world elite card is the number one in cash back category. With $60 bonus from greatcanadianrebate.ca,  I applied for one and plan to use it as my main everyday card.

http://www.moneysense.ca/debt/credit-cards/canadas-best-credit-cards-of-2015/

http://www.moneysense.ca/debt/credit-cards/best-cash-back-credit-cards-of-2015/

Recent buy - National Bank

National Bank, one of the top 6 banks in canada, issued warning and new shares at 41.9.

Stock price dropped below $41. I bot at $41 on Oct 13, with dividend yied 5.08%. Canadian bank sector is a monoply sector, this bank will turn around and come back, I have no worry.

Shopping Deal - $50 off $100 for CAA members

Found a deal to buy a few things from shop.ca


CAA Members are eligible to receive a one-time offer of $50 to spend at SHOP.CA on a purchase of $100 or more. Plus! Save up to $20 each month!*. To participate in this limited-time offer you must add your valid, active CAA number to your account settings and enter the promo code CAA at checkout. Offer may not be combined with any other offer. See Terms and Conditions* for more details.

*Terms & Conditions Receive a one-time $50 discount off your first purchase of $100 or more before taxes at SHOP.CA until 11:59am EST December 31st, 2015 ("First Purchase Discount"). To receive the First Purchase Discount discount, you must be logged in as a registered SHOP.CA user, have your active CAA membership number included in your personal account information, and use promo code 'CAA' when checking out. Your discount will be reflected prior to final confirmation of payment. Limit one First Purchase Discount per customer.
Receive a $10 discount off a purchase of $50 or more before taxes at SHOP.CA until 11:59am EST December 31st, 2015 ("Monthly Discount"). To receive this Monthly Discount, you must be logged in as a registered SHOP.CA, have your active CAA membership number included in your personal account information, and use promo code ‘CAA’ when checking out. Your discount will be reflected prior to final confirmation of payment. The Monthly Discount is limited to two orders per month. The duration of a month is understood to start at 12:00am ET on the first day of the calendar month and end at 11:59pm ET on the last day of the calendar month.
First Purchase Discount and Monthly Discount cannot be combined together or with other offers such as other promo codes, third party cash back discounts, etc. Limit one Monthly Discount per order.
First Purchase Discount and Monthly Discount cannot be used to purchase SHOP.CA eGift Cards, Wine & Alcohol, Gift Cards issued by third parties, video game consoles, video games, video game accessories, Miele brand products, and other products as stated on a products’ description page. SHOP.CA promo codes cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account, except to the extent required by law. Lost or stolen codes cannot be replaced. Cannot be combined with any other offer.
Aeroplan Miles will be earned on your purchase per SHOP.CA’s Aeroplan Miles policy found at http://www.shop.ca/c/shop-earn-rewards.

Planning ahead for Grade 9 & 10

- Think about why you might want to go to university.
- Talk to parents and teachers about your interests and goals.
- Assess your personal and academic strenghts.
- Talk to university students about their experiences.
- Look through a university guide book or calendar to see what they contain.
- Attend a presentation by a university representative at your school
- Visit a university campus, just to look around.
- Plan some extracurricular, volunteer, and work experiences for the next few years. These activities will help you think about what you want from university studies and having them on your resume will give you an edge in getting accepted to highly selective schools. These experiences can also give you valuable insights for future career choices.

Also, if you are interested in American schools:
- Remember that American colleges and universities look at your grades starting from Grade 9 when they consider you for admiission (Don't wait until Grade 11 to start working harder.)
- You can take the preliminary scholastic Assessment Test (PSAT) in Grade 10, and you may want to do this as practice for the SAT
- Consider taking the Scholastic Assessment Test II( SAT II) achievement tests in subjects you plan to discontinue. eg, French........

Recent buy - BRK.B at $128

Bot BRK.B for $128.

Kind of mutual fund managed by world top money manager Warren Buffett. I like WFC, V and many others in his portafolio at today's price.

Portafolio Update - September 2015

I have sold RCI.B, CU.to, CSH.UN and OHI with small gain on each, bot more DIS , WFC and BAM.A, 

Category	Symbol
Comsumer	UL
	HSY
	DIS
	VIAB
	ADM
Financial	TSE:BNS
	TSE:TD
	TSE:RY
	TSE:BMO
	TSE:PWF
	TSE:IGM
	WFC
REIT	NPR.UN
	TSE:REI.UN
	TSE:BAM.A
	D.UN
Utility
	TSE:TRP
	TSE:IPL
	TSE:ENF
Telecom	TSE:T
	TSE:BCE
Industrial	TSE:CNR
	EMR
Healthcare	JNJ
Energy
	NOV
	XOM
	TSE:CFW
Technology	AAPL

Total Value: 71k

Total yearly dividend: $2446 

How to reduce your homework time by 75 percent

1, Be Organized

For each class, keep a college-ruled notebook and a stack of plain manila folders, Take all of your notes for this class in the notebook. For each test or paper in the class, label a fresh folder for holding the material and rough drafts. You will probably need an administrative folder for holding general information about the class - handouts describing assignment due dates, etc. The general rule, however, says that every piece of paper you get in the classroom goes either into the trash or into a labeled folder - no exceptions.

2, Let your notes do the heavy lifting
On the teenager-boredom scale, most students rate note taking slightly below watching an all-day marathon of The PBS NewsHour. The result is shoddy, halfhearted, chicken-scratched notes that aren't very useful. When it comes to studying for a test, most students are then forced to invest an absurd amount of time in trying to track down the relevant information and reformat it so that it can actually be understood. It's this relearning of information that makes studying such a mind-melting chore. It's also a huge waste of time.

When it comes to notes, the secret to saving time is staight-forward. If you actually invest the mental energy required to learn the information when its first presented, and then capture the learned information in an easy to review format, you will find that the time needed later to prepare for the test will be drastically reduced.

On approach is to use the QEC(question/evidence/conclusion) method is popular among high scoring college undergraduates.

3, Reject Rote Review

Non-math Course: Cover the evidence and conclustion and read the question, next, try to recall the conclusion and a collection of the evidence that connects it to the question. This recall should be completed out loud: speak in full and articulate sentences, as if lecturing a class.
Math course:  attempt to recreate the steps and answers to the sample problems recorded in your notes. You should also walk through the high level explanations you captured.
Memorized information: use flashcards or on diagrams with blanked-out labels.

4, Write papers over three days
5, Study like Darwin
After every test or paper, put aside a few minutes to perform a short postmortem on the experience. Ask yourself the following questions:
  - What preparation helped me?
  - What preparation didn't help me?
  - What could I have done, bud didn't, that would have made a big difference?
  - How am I going to prepare for the next test or paper?

Algonquin Park

We camped at Algonquin Park twice in July and Aug, 2015. According to comments from other visitors, the best 2 campsites are Pog Lake and Canisbay Lake. So we went to Pog Lake in July, Canisbay Lake in Aug. It was great experience.

Park info:
http://algonquinpark.on.ca/visit/general_park_info/

Campsite Reservation can be made online at  http://www.ontarioparks.com

Trails:
http://algonquinpark.on.ca/visit/recreational_activites/interpretive-walking-trails-in-algonquin-park.php

Recent sell: RCI.B at $46.5

the broad market is in big down turn. However Rogers is going up. I have been looking for opportunity to unload this stock, so take this time to make small profit and got out. Rogers has really bad customer service, they overcharged me for no reason. I never want to use their service again and will not buy their stock any more.
I own Rogers competitor's stock - Bell and Telus.

Recent sell: SBUX ( up 38.7% )

Sold SBUX at $55.9 today, Starbuck coffee has pulled back from top $59 in the last 2 days, PE is too high for me at 31, so I did not hesitate to sell. Return on this is 38.71%. Thank you very much, SBUX!

Recent buy couple days ago - AAPL and DIS.

Portfolio Update - August 2015

Category	Symbol
Comsumer	UL
	SBUX
	HSY
	VIAB
	ADM
Financial	TSE:BNS
	TSE:TD
	TSE:RY
	TSE:BMO
	TSE:PWF
	TSE:IGM
REIT	NPR.UN
	TSE:BAM.A
	OHI
	D.UN
	CSH.UN
Utility	TSE:CU
	TSE:TRP
	TSE:IPL
	TSE:ENF
Telecom	TSE:T
	TSE:BCE
	RCI.B
Industrial	TSE:CNR
	EMR
Healthcare	JNJ
Energy
	NOV
	XOM
	TSE:CFW

Total Market value: $80,932.29

Annual Dividend: $2754 ( didn't convert any USD dividend to CAD for simplicity).

Book Reading: Damn Right! - Billionaire Charlie Munger

Interesting book about Charlie Munger, the partner for Warren  Buffett.

Camping Checklist

Preparation is essential for any outdoor adventure. Having the necessary supplies and equipment can make a difference in your overall enjoyment and experience. Checklists are a great tool to help with your organization. Your camping list will vary according to the type of camping and activities you have planned, the places you are going, the time of year and the length of your trip. Add or remove items to suit your individual needs. Please email us with any other items that you would include in your camping checklist.

By popular request, we’re now offering a printer friendly camping checklist!

Shelter

__Tent
__Ground cloth/tarp
__Extra stakes
__Shade tarp/poles/rope/stakes
__Axe or hammer
__Mat for tent entrance
__Dust pan/brush

Bedding

__Sleeping bag
__Sheets/blankets
__Pillow
__Air mattress/sleeping pad/cot/tarp
__Air pump
__Repair kit for air mattress
__Utility bags for storage

Cooking

__Large water jug & water bucket
__Coolers/ice
__Thermos
__Stove with fuel/propane
__Matches/lighter
__Charcoal/firewood/buddy burner
__Dutch oven/tin can stove/box oven/etc
__Campfire grill/BBQ grill
__Fire starters/newspaper
__Tablecloth/thumb tacks/clips
__Plates & bowls/paper plates & bowls
__Silverware/plastic silverware
__Measuring cups
__Heavy-duty aluminum foil
__Paper towels
__Trash bags
__Dish soap
__Clothes pins
__Cooking oil/Pam spray
__Containers for food storage
__Potholders/oven mitts
__Pots and frying pans with lids
__Soap for outside of pots and pans
__Cook utensils-spatula, knife, spoon
__Tongs
__Skewers/grill forks
__Can opener/bottle opener
__Folding table
__Dutch oven
__Pie irons
__Mugs/paper cups
__Mixing bowl
__Cutting board
__Ziplock bags
__Napkins
__Dish pan
__Dish rags/towels
__Scrub pad/brillo
__Seasonings/sugar/condiments
__Potato peeler

Clothes

__Shoes/boots
__Jeans/pant/belt
__Shorts
__T-shirts
__Socks/extra socks
__Hat
__Bandana
__Sweatshirt/jacket
__Underwear
__Sleep clothes
__Rain gear
__Swim suit/towel
__Laundry bag

Personal

__Shower shoes/flip flops
__Towels/washcloth
__Soap in plastic case/shampoo
__Tooth brush/tooth paste
__Deodorant
__Comb/brush
__Razor
__Feminine products
__Toilet paper
__Shower bag or 5 gallon bucket
__Camping shower/shower pump
__Other personal items
__Personal medications – take extra

Miscellaneous

__Sunscreen/chapstick
__Lantern with fuel/mantles
__Extra batteries/bulbs
__Compass/GPS
__Bug repellant/candles
__Whistle
__Water filters/purification/treatment
__Camera/battery/film/video (see photo jigsaw puzzles)
__Books/magazines (a Kindle would be better)
__Candles
__Maps/directions
__Misc. tools
__Backpack/fanny pack
__Fishing gear/license/bait
__Radio
__Musical instruments/song books
__Camp chairs
__Sunglasses
__Hammock
__First aid kit
__Tissues
__Saw/axe
__Park map/guidebooks/trail maps
__Lantern pole or hanger
__Collapsible drying rack
__Popcorn
__Marshmallows, Graham crackers, Hershey bars (Smores)
__Flashlight/batteries
__Pocket knife
__Plastic grocery bags
__Binoculars
__Rope/clothes line
__Canteen/water bottle/coffee pot
__Bungi cords/straps
__Cards/games/toys/golf
__Duct tape/electrical tape
__Notepad/pen
__Reservations info./confirmation
__Cell phone/charger & 2-way radios/walkie talkies
__Small shovel
__Safety pins
__Money/ID/credit card/quarters
__Bikes/helmets
__Travel alarm clock
__Work gloves
__Umbrella
__Hand wipes
__Drinks/snacks
__Small sewing kit
__Fire extinguisher
__Hot chocolate/tea bags/coffee
__Scissors
__Watch

Tell someone of your plans – give details of where you are going and when you expect to return, give directions and possible alternative roads that you may take, provide cell phone numbers, vehicle description and license plate numbers, hand-held radio channel and codes that you will use, and provide local authority phone numbers (State Police, Game & Fish Commission, Sheriff Dept, etc.) for the county or area that you will be in.

Basic First Aid Kit

__Personal medications
__Roll bandages
__Adhesive tape
__Antiseptic wipes
__Sterile gauze pads
__Cotton swabs
__Tweezers
__Safety pins
__Scissors
__Bee sting kit
__Sinus medications
__Tissues
__Bug repellant
__Sunscreen
__Notepad/pen
__Sterile compresses
__Splinting materials
__Personal information/contact person
__Feminine products
__Ipecac
__Razor blades
__Plastic bags
__Small bottle of water
__Blanket
__Other personal needs
__Small mirror
__Triangular bandages
__Misc. Band Aides/bandages
__Anti-acids (Tums, Rolaides)
__Antibiotic cream
__Aspirin/Ibuprofen/Tylenol/Naproxin
__Hydrogen Peroxide
__Ace bandages
__Sunburn lotion
__Burn ointment
__Snake bit kit
__Eye drops
__Poison ivy cream/cleansers
__Heat/cold packs
__Small flashlight
__Latex gloves
__Antibacterial soap
__Thermometer
__Coins for emergency phone calls
__Antibiotic soap
__Butterfly bandages
__Twine
__Mole skin for blisters
__Road flares
__First aid manual
__Nail clippers

Additional First Aid Tips

• Take a First Aid class and a CPR class – keep current on this information
• Keep supplies in a well marked, durable, waterproof container
• Keep the contents organized
• Know how to use everything in your first aid kit
• Inspect content often, re-supply as needed
• Keep readily available at all times

Warren Buffet's portfolio

http://warrenbuffettstockportfolio.com/

 

Company (links to holding history)	Ticker	Value On 2015-03-31	No of Shares	% of portfolio
WELLS FARGO & CO NEW    (COM)	WFC	25,583,903,000	470,292,359	23.88%
COCA COLA CO    (COM)	KO	16,220,000,000	400,000,000	15.13%
INTERNATIONAL BUSINESS MACHS    (COM)	IBM	12,770,201,000	79,565,115	11.91%
AMERICAN EXPRESS CO    (COM)	AXP	11,843,828,000	151,610,700	11.05%
WAL MART STORES INC    (COM)	WMT	4,966,691,000	60,385,293	4.63%
PROCTER & GAMBLE CO    (COM)	PG	4,325,865,000	52,793,078	4.03%
US BANCORP DEL    (COM NEW)	USB	3,658,385,000	83,773,390	3.41%
DAVITA HEALTHCARE PARTNERS I    (COM)	DVA	3,134,610,000	38,565,570	2.92%
DIRECTV    (COM)	DTV	2,668,181,000	31,353,468	2.49%
MOODYS CORP    (COM)	MCO	2,560,723,000	24,669,778	2.39%
GOLDMAN SACHS GROUP INC    (COM)	GS	2,374,349,000	12,631,531	2.21%
GENERAL MTRS CO    (COM)	GM	1,537,501,000	41,000,000	1.43%
DEERE & CO    (COM)	DE	1,517,922,000	17,310,090	1.41%
CHARTER COMMUNICATIONS INC D    (CL A NEW)	CCMM	1,154,631,000	5,979,136	1.07%
U S G CORP    (COM NEW)	USG	1,041,354,000	39,002,016	0.97%
PRECISION CASTPARTS CORP    (COM)	PCP	882,166,000	4,200,792	0.82%
VERISIGN INC    (COM)	VRSN	869,605,000	12,985,000	0.81%
BANK OF NEW YORK MELLON CORP    (COM)	BK	832,180,000	20,680,420	0.77%
VERIZON COMMUNICATIONS INC    (COM)	VZ	729,495,000	15,000,928	0.68%
M & T BK CORP    (COM)	MTB	683,519,000	5,382,040	0.63%
COSTCO WHSL CORP NEW    (COM)	COST	656,483,000	4,333,363	0.61%
SUNCOR ENERGY INC NEW    (COM)	SU	653,863,000	22,354,294	0.61%
VISA INC    (COM CL A)	V	646,588,000	9,885,160	0.60%
PHILLIPS 66    (COM)	PSX	589,457,000	7,499,450	0.55%
VIACOM INC NEW    (CL B)	VIA-B	564,505,000	8,265,079	0.52%
LIBERTY GLOBAL PLC    (SHS CL A)	LBTYA	532,344,000	10,342,793	0.49%
CHICAGO BRIDGE & IRON CO N V    (N Y REGISTRY SH)	CBI	527,137,000	10,701,110	0.49%
WABCO HLDGS INC    (COM)	WBC	474,709,000	3,863,195	0.44%
MASTERCARD INC    (CL A)	MA	451,799,000	5,229,756	0.42%
LIBERTY GLOBAL PLC    (SHS CL C)	LBTYK	365,952,000	7,346,968	0.34%
TORCHMARK CORP    (COM)	TMK	348,947,000	6,353,727	0.32%
RESTAURANT BRANDS INTL INC    (COM)	QSR	324,112,000	8,438,225	0.30%
LIBERTY MEDIA CORP DELAWARE    (COM SER C)	LMCK	305,600,000	8,000,000	0.28%
GENERAL ELECTRIC CO    (COM)	GE	262,628,000	10,585,502	0.24%
TWENTY FIRST CENTY FOX INC    (CL A)	FOXA	210,759,000	6,228,097	0.19%
SANOFI    (SPONSORED ADR)	SNY	193,107,000	3,905,875	0.18%
LIBERTY MEDIA CORP DELAWARE    (CL A)	LMCA	154,200,000	4,000,000	0.14%
GRAHAM HLDGS CO    (COM)	GHC	112,914,000	107,575	0.10%
VERISK ANALYTICS INC    (CL A)	VRSK	111,629,000	1,563,434	0.10%
NATIONAL OILWELL VARCO INC    (COM)	NOV	98,925,000	1,978,895	0.09%
MEDIA GEN INC NEW    (COM)	MEG	76,616,000	4,646,220	0.07%
NOW INC    (COM)	DNOW	39,506,000	1,825,569	0.03%
JOHNSON & JOHNSON    (COM)	JNJ	32,906,000	327,100	0.03%
MONDELEZ INTL INC    (CL A)	MDLZ	20,860,000	578,000	0.01%
KRAFT FOODS GROUP INC    (COM)	KRFT	16,784,000	192,666	0.01%
UNITED PARCEL SERVICE INC    (CL B)	UPS	5,758,000	59,400	0.00%
LEE ENTERPRISES INC    (COM)	LEE	282,000	88,863	0.00%
Total Value As 2015-03-31:	107,133,479,000		SEC FILING