Jul 252015
 

As a blogger, I sometimes feel cold, probably because I’m surrounded by so many drafts. 😀 One draft I’ve been meaning to publish is today’s post, which is about my blogging income. I like to be upfront about the money I make from side hustles. Regular readers will know I earn about $10K a year from rent, $6K from dividends, etc. Recently my online income has grown to the point where I feel like I should address it. So in the interest of transparency I’d like to share a bit about my online income. The tl;dr version is that I make about $500 a year blogging. Details below.

I started monetizing Freedom 35 about 3 years ago. Prior to that the blog didn’t make any money. I usually spend around 5 hours a week blogging, generally writing 2 posts per week. So in terms of hourly rate it appears my writing efforts make a jaw-dropping $1.92 per hour, haha. 🙂 Just to be clear this post is not about how to make money online, or how to monetize a website. There’s no shortage of experts out there who claim to have the secret sauce to build a successful online empire. But the main purpose of this post is to provide disclosure to readers.

15-07 what do personal finance bloggers do and what people think they do

My blog’s main source of revenue comes from Google Adsense. It allows me to place ads like the ones on the right side of this page. These ads earn about $20 to $25 a month. 🙂 Due to the Terms of Service agreement with Adsense I can’t show all the details of my earnings. But here’s a quick peek at my performance from a screenshot I took last month.

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Feb 272015
 

Sheryl Sandberg thought she was making a mistake. The year was 2001 and she had applied for a general manager of business units position. Sheryl began to doubt if there was even a job there at all. The small technology start-up didn’t even have “business” units so what was there to manage? Furthermore the position appeared to be several levels lower than jobs she was being offered at other companies. 😕

So when she finally met with the company’s CEO, Eric Schmidt, she kindly explained that the position meets none of her career criteria. 😐 Then the CEO of Google looked at her and replied, “Don’t be an idiot.” 😕 Which is some pretty solid advice. “Get on a rocket ship,” he continued. “When companies are growing quickly, careers take care of themselves. But when companies aren’t growing… that’s when stagnation and politics come in. If you’re offered a seat on a rocket ship, don’t ask what seat. Just get on.

And that’s exactly what Sheryl did. 😀

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Eric was right. When companies are small their workers can grow into new positions. Managers are created instead of replaced. People have more autonomy, feel more involved, and everyone can learn new skills and take on new responsibilities without stepping on each other’s toes. It’s more than a zero sum game. You don’t need to knock someone else off the ladder to get ahead because there’s plenty of room for everyone to climb. 🙂

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May 012014
 

Thought I’d share another helpful tip from the recent seminar I went to 😉

If we think like the rich, and act like the rich, then wouldn’t it make sense that eventually we will become the rich? Yup, I think this makes a lot of sense 😀 For example rich people don’t say “I can’t afford that.” Instead, they ask “HOW can I afford that?” This turns a problem into an opportunity which forces them to be solution seekers 🙂 Why is this important? Because that’s how we make money in this world (^o^) Financial gain comes from finding solutions to other people’s problems.

Every dollar I’ve ever made so far has been a result of me helping someone else to solve a problem they had. This is an interesting realization for me 😮 Is this true for you too? The rich are solution seekers, and the poor are complainers 😛 Technology companies like Google for example make billions of dollars each year because they offer solutions to so many everyday problems.
14-04-googleautofill solution seekers
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So how to act on this knowledge and make it a reality? Well some investors may not feel comfortable if their stocks suddenly lost a lot of value 🙁 For example if John has a lot of McDonald’s shares but is retiring soon, he may want to buy some insurance against a market crash. Sounds like he needs a solution 😀 Let’s help him find one!
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Today $MCD is trading at roughly $100 per share. John wants to find someone who would be willing to buy his MCD stocks from him for at least $90/share when he retires next year. This way, he limits his downside risk 🙂 Of course he doesn’t have to sell if the share price doesn’t fall below $90. It’s optional for him. So in summary, he benefits from unlimited upside if MCD climbs higher 🙂 And if the stock falls the most he can ever lose is just 10%. Pretty good plan for John.
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But who will agree to potentially buy the shares from him at $90? Well that could be us 😉 And for our services as his insurance policy, he will have to pay us a juicy juicy premium, haha 😀 This is an example of a put option.
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So I called my broker yesterday to upgrade my account to level 4. The change will take 3 business days. But once the upgrade is complete I will be able to sell put options and make some extra side income via option premiums (^_-) If I keep thinking like the wealthy and discover new ways to solve problems for other people, then I’ll eventually become rich myself :0)
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Random Useless Fact: Burgers and fries are often cheaper than salads. This is part of the reason why the U.S. spends $190 billion on obesity-related health care expenses each year.
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14-04-enjoytogether solution seekers
Oct 202013
 

Last Friday Google Inc surprised the world with its latest financial numbers and their shares jumped by more than 13%, Heyo!(⌒▽⌒)The company’s market capitalization grew by about $40,000,000,000 in a single day 😀 Each share of Google is now over $1,000 for the first time ever. I believe Google is a terrific long term investment. Sure, it doesn’t pay a dividend, but it’s proved to be a great growth stock! Its shares doubled in value in the last 5 years eh 🙂 And most importantly Google provides a real service that people use, sometimes on a daily basis, in markets that are expanding 😉 (search, advertising, mobile devices, etc)

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13-10-googleserversGoogle has now surpassed Microsoft and Berkshire Hathaway in terms of company value. It is now the 3rd largest company in the U.S., behind only 2 other giants, Apple Inc and Exxon Mobil.  I’m glad I bought some Google shares earlier this year for $705 each.

As most of you know I like to share my investment strategies. So last month I blogged aboot why it’s important to own both Apple and Google shares because they are part of a very profitable mobile trinity 🙂 If any of you fabulous readers out there read that post and decided to take action right away then you would currently have a 9% gain in your Apple shares today, and 13% gain from Google. So you’re welcome 😀

But for those who didn’t have a chance to invest in the mobile and advertising space yet it’s not too late 🙂 Analysts continue to be optimistic about Google. At least a dozen brokerages raised their price targets on GOOG. The average target is now $1,068, and the median is at $1,100, from 38 different brokers.

The success of Android, which becomes more and more popular every day, is starting to really add up, and Google is collecting small tolls along the way. Google’s ownership of the Android ecosystem makes Google like the house, in Vegas terms. ~Stifel analyst Jordan Rohan

Also like I’ve mentioned in the past Qualcomm is another good stock to buy in the same industry, which I don’t yet own. But I’m planning to buy some in November to diversify. I believe smartphones and tablets are still going to see growing sales across the world.

Google’s brand is ubiquitous, and everyone who uses the internet including bloggers use Google’s services (with geographical exceptions.) Can you imagine a world without the Google search engine, Gmail, or Google maps?

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If the digital mobile world is becoming an ever increasing part of our lives, why not make it a part of our investments too? 😉 Let’s all profit from the inevitable growth of technology 🙂

Disclosure: I have 3 shares each of AAPL, and GOOG in my U.S. margin account

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Random Useless Fact: The plastic things on the end of shoelaces are called aglets.

Sep 122013
 

Apple recently revealed their new iPhone 5s and iPhone 5c. Some folks are saying the “s” stands for Same and the “c” stands for Cheap, 😆 But joking aside I think the mobile market will be one of the best places to make money in the future for those who invest today.

Step 1: Research

This is when you read media releases, statistics, analysis, and other information about mobile phones to gather facts and decide whether you want to invest in this space or not. Over 6.6 billion mobile phones will be in use by the end of 2017, according to CCS Insight. Most of them will likely be smartphones. Tablets are also expected to grow in sales over time. Mobile advertising will inevitably also benefit from this trend. The global ad market for mobile devices is estimated to be $11.4 billion this year, and is expected to be $24.6 billion in 2016, according to statista.com13-9-mobilegrowth

A common misconception is all the future mobile phone growth will come from emerging markets since developed countries have already reached market saturation. Fiddlesticks! A report by Google shows that only 56% of Canadians have a smart phone today, which is an amazing increase from 33% in 2012, but there is clearly more room for growth 🙂

Step 2: Take Action and Profit

Once you’ve decided to invest in the mobile market it’s time to pick a strategy. Personally I like the idea of holding three particular stocks: Apple, Google, and Qualcomm. And slowly increase my positions in them over time. Apple’s iPhones and iPads represent a large part of the market. Google is very deeply entrenched in this space as well. With the purchase of Motorola, and its close partnership with Samsung Google’s Android platform has become very popular, very quickly. Google will also benefit from the ad revenue growth. In 2011 iPhones were super popular and AAPL shareholders were very happy. This year however Android devices are the hip thing to buy so AAPL has gone down, and GOOG has outperformed brilliantly. Continue reading »