Million Dollar Journey

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Building Wealth through Saving and Investing

Welcome to Million Dollar Journey! If you're new here, you can learn about me, read our user guide, and even follow my net worth updates. A great place to start reading is with the popular articles located in the right side bar. If you would like to join thousands of others and keep up with the free daily updates, you can subscribe to the RSS feed via reader or E-mail.

On your way out, make sure to check out the exclusive Million Dollar Journey Freebies and Deals.

$100 Credit Card Freebie, Investment Returns for 2012, Cost-conscious Ways to Cut Calories, and More!

$100 Gift Certificate Freebie

Rate Supermarket is giving away a $100 gift card if you sign up with one of the selected Scotia Bank credit cards.  The gift card choices include Bon Appetit (Swiss Chalet, Montanas, Milestones etc), Futureshop, Chapters, and Starbucks.   This is a good opportunity for heavy grocery spenders to take advantage of the Scotia Momentum Visa Infinite 4% return.  For heavy spenders, the 4% return on groceries will help make up for the $99 annual fee.  Here is my Scotia Momentum Visa review.  This promotion ends February 28, 2013 – more details by clicking here.

Weekend Reading

What were your Investment returns for 2012? @ Canadian Money Forum

Why I Don’t use a Dividend ETF for my Leveraged Dividend Portfolio @ 1 Year Ago in the Archives

Asset Class Returns for 2012 @ Canadian Capitalist

Finances and Kids – Leading by Example @ Retire Happy Blog

Why Solar Power Rocks @ Sustainable Personal Finance

Financial Guilt for the New Year @ Michael James on Money

Is a Costco Membership Worth It? @ Young and Thrifty

Why Our Debt To Income Ratio Is Misleading @ Boomer and Echo

Advice for Beginners @ Canadian Dream Free at 45

Cost-Conscious Ways to Cut Calories @ Financial Highway

8 Great Financial Books to Read This Year @ Canadian Finance Blog

Shift Your Habit to Save Money and the Planet @ Generation X Finance

How to Get Back on Track After the Holidays @ My Dollar Plan

9 characteristics of a great job @ Brip Blap

6 Comments, Comment or Ping

  1. 1. Echo

    Thanks for the mention, FT. Have a great weekend!

  2. Thanks for the mention. I took a look at the credit card offer and it said you get “4% cash back on eligible gas and grocery purchases.” But I couldn’t find anything indicating what purchases are eligible.

  3. Thanks for the mention, FT. Have a great weekend!

  4. Hi Michael,

    The card uses “store” codes for eligible purchases. So if you go to Loblaws, you would get the 4% rebate, even if you purchase furniture there.

  5. 5. SST

    @Asset Class Returns for 2012:

    Just wondering why all but one of the assets listed are of the same asset class — paper equities?
    Was this a review of partial asset classes?

    If I have to purchase these vehicles through an investment broker, then they are all coming from the same pool, regardless of the underlying security (eg. a REIT is not an apartment complex or a tract of farmland, as much as you would like it to be). I am buying an MSCI Inc. or BlackRock Inc. et al product (ie. the stock of one company which owns the stock of another company which owns real estate. Is that two or three dilutions?).

    Where are commodities? Where is *real* real estate?

    Keeping all things equal, shouldn’t things like the S&P and TSX be represented by an index fund, as other with ‘assets’ on the list, instead of just the index itself — as you cannot buy the index, you must buy a proxy.
    (Or are they but just not indicated as so?)

    As for cash, it doesn’t give a return.
    Unless you count the negative return of inflation.
    Or if you swapped all of your C$ into US$ at the start of the year and then back into C$ at the end. But even then, bank fees would have negated any gains.
    Seems a bit arbitrary to compare against the US$ if no actual conversion occurs. Why not post the more impressive 13% gain against the Yen?

    Interesting to note in the Libra Investments spreadsheet that long-term gold out-performed all but emerging markets, EAFE, and Wiltshire 5000. Imagine that, it took 4,000+ companies, and almost 50 foreign countries, 42 years to beat gold by a mere 1%!
    (Actually, EM walloped everyone!)

    Not difficult to see why the average person doesn’t do well with money matters considering all the fuzzy investment information out there.

  6. Thank you for suggest these readings..I really appreciate them!


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