(604) 830-2438




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.


Steve recently discovered BEVMO (stands for Beverages & More) in Bellingham, Washington.

They have a section for dealcoholized beer, wine, bourbon, gin, tequila, whisky.

There is a difference between dealcoholized and non-alcoholic beverages.

Dealcoholization removes the alcohol but leaves the polyphenols (aka phytonutrients) so the flavor and aroma of the beer or wine remains intact.

Non-alcoholic means the beverage has gone through limited fermentation to control the production of alcohol.

A 750 ml bottle of New Zealand Sauvignon Blanc is 100 calories for the entire content, and it tastes great.

I haven’t tested the beer or whisky yet, so no comment there.

Here is an alcohol calorie counter to plan your holiday cheer.


July Ono.


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.


Thanks to my sister Jan Urata for this informative 30-minute video on the history of Vancouver from 7000 BCE narrated by a Vancouverite.

What we know as Vancouver today was considered the “outskirts” in 1866 because New Westminster was the main settlement.

The road we know as Kingsway was originally a trail used by First Nations for generations.

In 1886, the area known as Granville officially became the City of Vancouver.


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.


Thanks again to my sister Jan Urata for updating me on the BC Security Commission’s Whistleblower Program.

A whistleblower is someone who provides information about investment fraud or other types of misconduct and are eligible to receive a financial reward between $1,000 to $500,000.

Whistleblowers know inside information about fraudulent practices and are in the best position to safeguard the public.

Whistleblowers can remain anonymous, but will eventually have to disclose their name if they wish to receive a financial award.

It is heartbreaking to hear stories of how people lost their life savings and it is this practice that gives the exempt private market a bad name. 

The BC Securities Commission takes inquiries from the public at 604-899-6854 or toll-free at 1-800-373-6393 or inquiries@bcsc.bc.ca.


The Potential To Build Capital

To invest in real estate, you need capital or money to invest in a property. Your first investment may be highly leveraged with mortgage financing. But you can build capital when the property appreciates, and you have equity. This allows you to increase your real estate portfolio by investing more capital.

To access the capital, you can sell the property and reinvest the funds in another property or use a cash-out refinance to access some of the home’s equity, providing you with more capital to increase your real estate portfolio, earning more income.

About July Ono.

JulyOno.com is a marketing platform for a real estate investment company. We have been actively involved in the Lower Mainland area real estate investing for a number of years.  Our mission is to provide local housing and commercial workspace to quality tenants while at the same time providing an above average return on investment (R.O.I.) for our investor partners and for ourselves. It is truly a win-win-win way of investing!

July offers her investor partners hands-free investment opportunities. If you are interested to learn how to earn an above-average return on your investment, backed by a solid asset, and without the hassle of being a landlord, please contact July Ono.

For more information about July and her investment program, please call (604) 830-2438 and email her at july@julyono.com or visit https://julyono.com/