Hey everybody.

Jack wanted me to update you a bit.  He's now 4 months old – and doing great.  He prefers sleeping in short spurts, and smiles all the time.

His hobbies include rolling over and drooling.

And he wanted me to send you this picture of his trip to the local pumpkin patch.

Update: I'm having some trouble having the picture show up IN the post.  It's worth the click.  So here it is.

Enjoy your evening everybody!

I was just checking my trading accounts today, and I noticed that US dividends (I hold in my Canadian US Dollar investment account) are subject to a 15% withholding tax by the US government.

Foreign (including U.S.) dividend-paying equities are not eligible for the dividend tax credit, so the RRSP is a good place to put these investments. This would also be a good place to hold bonds for the same reason.

Of course, you get a credit when you file your taxes in Canada.

But if you hold these stocks in your RRSP, they are not subject to the same rules.  See this post.

It makes sense as a trader for me also, because I end to keep more "buy-and-hold" and high paying safer dividend stocks in my RRSP (which I trade much less often), and in my non-registered account, I go after more growth stocks and do much more swing trading.

Making money with affiliate programs is difficult.

There's too much information, and much of it is irrelevant, out-of-date, unnecessary, or just plain wrong.

The truth of it is just keep it simple.  Focus.  Work on one project at a time.

(Yeah, I know.  Boring, right?)

It's taken me a while to really understand this.

I wanted to share some of my favorite affiliate resources with you.

Here are some great places to find affiliate programs:

http://www.clickbank.com

http://www.paydotcom.com

http://www.cj.com

http://www.lifetimecommissions.com

That last one focuses exclusively on affiliate programs that provide ongoing, passive residual income.  And to be, that's the kind that feels the best!

Also, I use this tool to find Clickbank products. It's pretty interesting, and free too.  It got me thinking what exaclt is the gravity score at clickbank.  (I knew higher was better, but I wasn't sure so I checked it out.)

Here's the answer:

Gravity: Number of distinct affiliates who earned a commission by referring a paying customer to the publisher's products. This is a weighted sum and not an actual total. For each affiliate paid in the last 8 weeks we add an amount between 0.1 and 1.0 to the total. The more recent the last referral, the higher the value added.

Click here to read it yourself

Hope that helps!

I saw a funny video on youtube the other day about how technology has made life more difficult.

I usually don't post this sort of stuff, but I guess it hit home with all the passwords.  I think the point is that you can't really do everything.  Pick your areas of expertise and specialize.

Check it out here