I like to think that I’m not being lazy, but I’m being efficient. I’m not laying on the couch and watching TV, I’m conserving energy for sexy activities later. I’m saving time when I drive my car six blocks to Subway, and my time is valuable, dammit. What am I supposed to do, wait 9 extra minutes to shove a six-incher in my mouth? NOT WHAT I MEANT, PERVERTS.

Like a lot of other bloggers, I make a few bucks typing out my thoughts to you guys. I also make money writing for other websites, – that totally aren’t porn, for some reason – usually about stocks. I’m not making a whole crapload of money doing this, but it’s a nice bonus to actually get paid for writing about things that interest me.

I’ve never had any sort of goals when it came to my online income. I’ve always viewed it as a bonus, an unexpected surprise that fell into my lap. Because I viewed this money as essentially free, I’ve been spending it on my yearly vacation. I went to Vegas twice on blog earnings, as well as that time I went to New York and watched the Occupy Wall Street protests. It’s been nice to be able to go on vacation and not have to worry about cutting into my savings goals.

I’ve accumulated a few thousand bucks in my blogging income account, and I’m just not spending it quickly enough to put much of a dent in it. So because I’m lazy, I didn’t do anything about it. The money sat there, and it continues to sit there. And yet it’s been a pretty decent investment. But how?!?!?!

It’s simple. The currency of the internet is American Dollars. It’s also the currency of most parts of the world, the currency that most often ends up in stripper g-strings, and the currency most often requested to bribe a foreign customs officer to look past your criminal record. So I have money sitting in U.S. funds.

And then, this happened.

Screen Shot 2014-01-21 at 9.34.30 PM


That’s a one-year chart of the Canadian Dollar as measured in U.S. Dollars. If you’re long Canadian Dollars, it’s a pretty crappy chart. If you’re like me and you have American Dollars waiting to get converted back to Canadian bucks, you’re laughing.

This wasn’t an intentional move, even though I stated a few months ago that I was bearish on the Canadian Dollar going forward. There are plenty of reasons to not like Canada, like our overextended housing market, record high consumer debt levels, weak job numbers, and the U.S. getting really close to not needing any more of our oil, even though a weaker Canadian Dollar will help our oil companies no matter where they sell that sweet oil.

What does this mean for you? I think the trend continues, and the Canadian dollar keeps on sliding down. I see it dropping another 5 cents in 2014, and I don’t think seeing 80 cents at some point in 2015 is outside of the realm of possibility. Meaning that when you’re looking at investment management for the next couple years, the currency move could be a nice boost to the American side of your portfolio.

Additionally, if I’m right about Canada being weak over the next couple of years, you don’t want to be in the Canadian market anyway. All of these factors will bring down the TSX. Then, hopefully there are some nice Canadian stock bargains. That’d be sexy.

Tell everyone, yo!