Haters Gonna Hate

haters gonna hate

“I’m Worried About the Haters” I was a friend’s birthday party the other day and he was talking about how he has lots of interesting stuff to share with the world, and that he would like to start a website or blog but that he was worried about haters because haters gonna hate, always. There are mean, sad, and unhappy people out there who hide behind the anonymity of the Internet and leave comments that…

Continue reading

Ask Pat Podcast: I’m on it!


I’m Really Into Pat Flynn So, I’m just going to nerd out for a quick minute here and I hope you don’t mind. I’m really into Pat Flynn over at Smart Passive Income and that’s probably kind of an understatement. I think he’s a genius in the Internet marketing world and also just an all-around nice guy who really wants to help people. I’m on Ask Pat! He started up this new podcast called Ask…

Continue reading

Writing Ebooks Full Time


You know that I’ve been considering going full-time with the online thing when I move to Canada in about a year from now, so I’ve been super-focused on drinking less and building my online empire more. And, I’ve been listening to these two podcasts (search on iTunes): Self-Publishing Questions, and Self-Publishing Answers. The both talk about what it takes to be a successful self-publisher and here are some things they mention: A Platform Having a…

Continue reading

Drinking Less- Building My Empire More

drinking alcohol

Disturbing Happenings in My Life Money Diet March opened up my eyes to just how much money I spend on drinking and eating out. It was kind of staggering, and drinking and hanging out in expat bars a lot is really not how I want to live my life. Sure, it’s fun to see all your friends and talk and get loud and happy, but waking up the next morning with a hangover, $50 lighter…

Continue reading

Hobbies: Do you need to go all-in?

touring bicycle

My Wise Friend The other day I was talking to a friend of mine whose husband wanted to learn to play the guitar. Wisely, instead of just buying him the guitar, she instead got him a rental one and some lessons so he could decide if he actually liked it. He did and then he bought his own. My Unwise Friend Or, I had a friend a few years ago who was buying a bike.…

Continue reading

What I’m Selling: ADRE, What I’m Buying: VEE

emerging markets

ADRE: Lingering for Years ADRE is an emerging markets ETF that I’ve had lingering around my portfolio for years and it was actually one of the first things that I bought. Why ADRE is not a Fabulous Emerging Market ETF (for me) In recent years, I’ve discovered Vanguard and their fabulous line of ETFs, with the cheapest expense ratios in the industry. In addition, thanks to Andrew Hallam’s book, The Global Expatriate’s Guide to Investing,…

Continue reading

Know What you Don’t Know

confusing pension

Last night, I had one of my coworkers ask me about pension plans in Korea because I think she assumed I would know since I wrote a book about finance for ESL teachers: The Wealthy English Teacher: Teach, Travel, and Secure Your Financial Future. There of course is a wealth of misinformation floating around on Facebook and other online forums, as well as expat bars. This is compounded by the fact that the official information…

Continue reading

All-In Digital Entrepreneur when I Go Back to Canada: Crazy?


Canada: What to Do I’ve talked about moving to Canada in previous blog posts, and it’s now less than a year away (March 2016). I’ve started preparing in numerous ways such as gathering information about how to get the cats and my stuff back to Canada and also giving away/selling lots of my stuff that I wasn’t really using that much. How Can I Make Money in the Great White North? But, the really big…

Continue reading

Setting up an Email List with MailChimp

mail chimp

What Was I thinking? All the gurus out there in the Internet marketing world such as Pat Flynn over at Smart Passive Income talk endlessly about email lists and how, even though email is kind of going out of style in favor of other forms of social media, it’s still huge. I think it’s maybe because it’s something that gets delivered directly to your audience instead of them going out to find the content and…

Continue reading

Making Change is Hard


Money Diet March Opened My Eyes These days, I’ve been trying to make some positive changes in my life as a result of Money Diet March. Basically, by keeping close track of all my expenses that month, I was shocked to discover just how much money I spent on eating out and drinking, and that was while I was trying not to spend that much. The Changes I’m Making So these days, I’m trying to…

Continue reading

Writing an Ebook, #3!

Amazon Affiliate One way that I make passive income is through the Amazon affiliate program, where I link to products that I think my readers might like and if they buy something after clicking that link, I get a commission of around 5-8%. It’s a pretty simple thing to do and I earn $10-30/month on this for essentially very little work. Speaking Activities that Don’t Suck The one single product that I sell the most…

Continue reading

The Ethics of Making Money Online

scrubbing toilets

A Person with Skills Scrubbing Toilets The other day, I ran across a blog post from a trans lady living in Canada in a Facebook group that I’m a member of. She was lamenting the fact that before her transition, she was a highly sought after print journalist, but after, she had a hard time finding a job scrubbing toilets. “I couldn’t Imagine Making Money!” It was evident from her blog that she is a…

Continue reading

Am I Crazy? What actually makes me feel happy

old t-shirt

What Makes Most People Happy Retail therapy. It’s called this for a reason-most people get a little bit of a rush or endorphin surge when they buy something that they want. Then, every time they put on that new shirt or drive that new car, they have this kind of happy feeling about it. While the effect does wear down over time, there is always more and more stuff to buy so you can live…

Continue reading

Reviews of The Wealthy English Teacher

wealthy English teacher

So far, people seem to like my second book which I published a couple of months ago: The Wealthy English Teacher: Teach, Travel, and Secure Your Financial Future. Here’s what people are saying from a post over on my other blog: Reviews of the Wealthy English Teacher. Check ’em out and for even more good stuff for ESL teachers trying to figure out their finances, go to the website: The Wealthy English Teacher.

Continue reading

March 2015 Passive Income Report: $696

passive income

March 2015 came it an impressive $695.77, which I’m very happy about since anything over $500 is a very good month for me. The majority of it ($536) was in dividend payments but sales of my Ebooks How to Get a University Job in South Korea: The English Teaching Job of Your Dreams and The Wealthy English Teacher: Teach, Travel, and Secure Your Financial Future were also significant. While my Amazon sales were not huge…

Continue reading

March Money Diet Final Update

money diet challenge

Money Diet March is now complete, so here are all the details about my spending for the month. I wanted to spend a total of $400 in discretionary spending, but it ended up being $516. It was kind of an eye opener seeing how much money I spent when I was watching all my pennies and I now realize that I generally spend a lot more than I think I do when I’m not paying…

Continue reading

Offshore Brokerage Accounts: Sketchy?

offshore investing

Are Offshore Brokerage Accounts Really Sketchy? A reader question: My friends wonder if I’m doing something really sketchy when I mention that I’m opening an offshore brokerage account. Is this stigma justified? Is it perpetuated by Tax Authorities to discourage people from opening them? My main two questions that I need answered are: am I doing anything illegal (if the $ is from a legal source)? If it’s such a good idea, why doesn’t everyone…

Continue reading

Money Diet Week 4 Update

money diet

In case you missed the previous money diet posts, check out: Money Diet Week 1 ($117), Week 2 ($76), Week 3 ($163). Week 4 Money Diet Challenge Update: $141 Groceries: $22 Eating out, coffee, drinking: $14 Transportation (including a tank of gas): $54 Vet bill: $51 Overall, I’m pretty happy with week 4 since I would have been under $100 if I didn’t have to go to the vet. I also could have waited on…

Continue reading

Make Your Own Luck


Yesterday, I gave a ride to a newbie to Korea in my car who I’d never met before. She was a friend of a friend and the first thing she said to me was, “You’re so lucky to have a car.” Now, I’m not picking on her particularly because she is a nice person but my answer to her was my standard one: “It’s not luck. Anyone can do it.” Sure, it takes a bit…

Continue reading

Where Retirees Should Invest

tropical island

Where retirees should invest if they are going to live abroad A reader question: “I’ve heard that one needs to consider where they want to retire when purchasing investments. If someone is unsure, but knows it will likely be a nice warm developing country, how might they want to adjust their portfolio?” My Answer: Don’t Worry about it! This is indeed a good question, but it is not something that you should worry too much…

Continue reading

Swap Based ETFs Explained


A reader question asking about Swap-Based ETFs and whether they are a smart move for Canadians. With a bit of searching around on the Internet, the simplest explanation for what they are and their advantages is here: Canadian Couch Potato- Understanding Swap-Based ETFs. They are basically a vehicle to reduce taxes within an investment portfolio. I myself do not hold any of them, but they seem like potentially a good idea and I plan to…

Continue reading

Andrew Hallam and Dividend Paying Stocks

dividend stock

I know that many people who read this blog also like Andrew Hallam who writes about expat personal finance and investing. The other day someone who had read, The Wealthy English Teacher: Teach, Travel, and Secure Your Financial Future and had checked out the Dividend Monk’s site wondered why Hallam only invests in index funds and not dividend paying stocks and Hallam was kind enough to message me with his answer: “Great topic for discussion.…

Continue reading