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Celebrating 6 Years of Million Dollar Journey – Over $3,000 in Prizes!

It is hard to believe but it has already been six years since Million Dollar Journey kicked off! It all started in late 2006,  about three years after graduating from University and in the process of turning around our personal finance situation towards building wealth.

It still baffles me how much this site has grown over the years.  It all started with a personal online journal to track my finance journey which evolved into the community you see today.  A strong and loyal readership who is as passionate about personal finance and investing as I am.  Proudly, we have grown to over 18,500 daily subscribers and over 3,100 twitter followers. In addition to that we have received over 13 million hits over the past six years.

As a token of my appreciation, I’d like to again give something back to the readers and the community.  This year, I have a sponsor who has generously offered prizes worth over $3,000!

The Giveaways

1. The Successful Investor (TSI) Stock Market Newsletter Package

TSI has generously offered to sponsor the top prize for this years anniversary celebration.  What is the prize?  Annual subscriptions to the top stock newsletters in Canada!  Winners will receive not 1 newsletter, but a package of 4 newsletters for 1 year.

The newsletters include the highly rated The Successful Investor (review), Stock Pickers Digest, Wall Street Forecaster and Canadian Wealth Advisor.  The package is worth about $560 and to top it off, TSI is offering 6 packages to giveaway!  That’s right, 6 lucky readers will each receive the $500 prize.  Many thanks to Pat, Alex and the crew at TSI for sponsoring this prize

Here’s a description of the newsletters:

The Successful Investor: This award-winning conservative investment advisory is for investors interested in high-quality, mostly Canadian stocks that will surge ahead in good markets and hold their own in the face of market declines. It focuses on low-risk stocks with strong profit and growth potential.

Stock Pickers Digest: For those interested in profiting from the aggressive segment of Canadian and U.S. markets, where risk is high, but the potential for profit is much greater. The focus is on faster moving and not as well-established stocks. Tech stocks, small caps and junior mining and oil stocks are just some of the types of investments you’ll read about in Stock Pickers Digest. The newsletter picks aggressive stocks, but at the same time it looks for above-average value, rising sales, good balance sheets and a strong hold on a growing market.

Wall Street Stock Forecaster: This advisory is for investors seeking high-quality U.S. stocks. It will help you build a well-balanced, diversified U.S. stock portfolio that will do well in good markets and bad. The newsletter also gives you a clear, easy-to-read analysis of how economic changes, political decisions and the Federal Reserve affect the markets in general, and your portfolio in particular.

Canadian Wealth Advisor: This conservative newsletter is for Canadians interested in building wealth safely and securely. It covers “safe money” investments: real estate investment trusts (REITs), exchange-traded funds (ETFs), conservative large-capitalization stocks, RRSPs, RRIFs, TFSAs, GICs and tax-advantaged investments. It also examines financial planning, investment bargains (and rip-offs, too) and many other issues related to safely making more money.

2. The Beginner’s Guide to Saving & Investing

This past summer, I announced the release of a book that I contributed to – The Beginners Guide to Saving & Investing.  So what is the book about?  It’s all about the basics of personal finance and it’s written in an easy to understand manner (about 100 pages in total).  What section did I write?  I covered one of my favorite topics, that is, dividend investing for beginners.  As I believe in the content of this book, I want to get it out there to my readers, so I’m offering 50 e-book copies (value $10.50 each).

To make this interesting, the first 20 eligible comments (see below for guidelines) will receive an e-book and the remaining 30 will be put into the draw.

3. “Like” for Charity

Similar to last year, I’d like to do something for the Kids Make a Wish Foundation.   MDJ will donate $1 for every incremental facebook “Like” on the MDJ facebook page by contest closing date.

Simply click the “Like” button at the top of the MDJ facebook page and we’ll donate $1 for every “Like” greater than the today’s 736 (up to a maximum $500 donation).

How to Enter:

To be eligible for the prizes above:

1. New and Existing Money Tips Newsletter Subscribers will be given an entry (you can subscribe here). (+1 entry)

What is the Money Tips Newsletter?

The Money Tips Newsletter is a free email newsletter that I will send out once or twice a month.

The content includes highlighted articles on Million Dollar Journey, exclusive offers for Million Dollar Journey readers, and original content that doesn’t make it to the front page of this blog.  Thus far, I have 12 scheduled Newsletters editions that all subscribers will see.  The topics range from the basics of investing, the Smith Manoeuvre, to the top credit cards in Canada.

As mentioned above, your privacy is important to us. We will never sell your information to third parties, as well, you can unsubscribe from the newsletter at any time.

2. Leave a comment in this post indicating your favourite personal finance topics. (+1 Entry)

The reason I’m asking this is because I’m looking to grow the content on this site and I’d like to hear about the favorite money topics of those who matter most – the readers.  Some common topics include, personal money stories, debt reduction, investing strategies, tax tips, money saving ideas, credit card comparisons, retirement or whatever else you can think of.

3. Click “Like” at the top of the Million Dollar Journey facebook page.  (+1 Entry)

In addition to donating $1 to the Kids Make a Wish foundation for every facebook “Like” from readers, we’ll give you an extra entry in the draw.

4. Tweet this post but make sure to include @FrugalTrader (+1 Entry) (you can use the button at the bottom or top of this post)

The Giveaway Rules:

Lets go over some of the rules. All contestant entries will be shoved into an electronic hat and drawn at random.

  1. Only confirmed (new and existing) newsletter subscribers on the date of draw are eligible.
  2. Only one comment per person and please include a valid email address.
  3. To be fair to all contestants, each winner can only win once (it is possible to win 1 stock newsletter package and 1 book together).
  4. Contest will end Sat 5pm EST Dec 22, 2012 and the winners announced shortly after!

Good luck!

If you would like to read more articles like this, you can sign up for my free weekly money tips newsletter below (we will never spam you).

FT About the author: FT is the founder and editor of Million Dollar Journey (est. 2006). Through various financial strategies outlined on this site, he grew his net worth from $200,000 in 2006 to $1,000,000 by 2014. You can read more about him here.

{ 208 comments… add one }
  • Jamie December 12, 2012, 9:07 am

    I’ve been able to learn so much about how taxes work, Smith Manouver and stock buying from this website. Frol this website Ive also started to track my net worth. Very Educational.

  • Steve @ Grocery Alerts December 12, 2012, 9:16 am


    Congrats – MDJ was one of my inspirations to start blogging!

  • Giovanni December 12, 2012, 9:18 am

    Keep up the great work

  • Jared Kitcher December 12, 2012, 9:30 am

    My favourite topics relate to the Smith Manoeuvre, dividend investing and tax planning.

  • Troy December 12, 2012, 9:32 am

    Amazing website. I’ve learned so much. Especially about investing, portfolio allocation & smith Manoeuvre.

  • Kevin December 12, 2012, 9:33 am

    Congrats MDJ – Holding companies are my favourite topic

  • Kevin December 12, 2012, 9:38 am

    Congratulations on 6 years and a ton of progress towards your goal.

    I’m still interested in reading about dividend investing, how the strategies for passive investing progresses (currently low cost index ETFs but will watch as this changes) and other tips and tools for keeping personal finances on track as we work towards greater financial independence.

  • barb December 12, 2012, 9:40 am

    congratulations….and thank you for this opportunity.

    i enjoy the articles about best credit card, anything about seniors and following your success story frugal trader.

  • Tsering December 12, 2012, 9:42 am

    Great website with some useful tips for personal finance. Would like to know more about tax tips, especially for investment incomes. Also, if more information could be shared about REITs and which ones are good for investment purposes. Thanks!

  • Melanie Samson - Cormier December 12, 2012, 9:44 am

    Congrats! I’ve been reading since early 2009 when I began my journey turning my finances around. At first, I was mostly interested in discussing debt reduction and money saving ideas. I’m still interested in those topics, but I’ve moved on to developing an interest in investing. As a beginner, I prefer articles that discuss how to get started and those that compare fees. The credit card comparison articles are an old favorite as well. Finally, as I am now a parent, I enjoy articles about saving money on child and family-related expenses.

  • Jeremy December 12, 2012, 9:46 am

    Fantastic site, I’d like to hear more about passive investment strategies, an update on the Smith Manoeuvre and splitting investments between TFSA and non-registered accounts.

  • Meghan Fardella December 12, 2012, 9:47 am

    My favourite topics in personal finance are retirement planning & planning for financing children entering secondary schools

  • Kashif December 12, 2012, 9:47 am

    It has been a great site for building my knowledge on personal finance. Keep up good work.

  • Elizabeth December 12, 2012, 9:49 am

    Congrats on 6 years! Thank you for offering the giveaway opportunities.

    Right now my favourite PF topic is investing. I’m good with frugal living and staying out of debt, but I’m trying to learn as much as I can about making my money work harder.

  • Allison December 12, 2012, 9:51 am

    I’d enjoy hearing more about blending passive investing as well as how to manage situations where you have multiple registered accounts (personal and employer sponsored, for example). Thanks and congratulations on your anniversary!

  • Barbara Keddy December 12, 2012, 9:51 am

    Keep up the good work! I look forward to each new bit of information especially debt reduction and investing our money into many different baskets. I would like more information regarding TD e-series funds for low cost investing a portion of our assets. Thanks again and many more years of your articles.

  • future money_bags December 12, 2012, 9:55 am

    Been following since 08/09 and your blog was my first finance blog I subsribed to and started reading. Since than I have learned a huge plethora of knlowledge and tips.
    Thank you and keep it up!

  • cashhope December 12, 2012, 10:02 am

    I would like to hear about passive investments and please I would loev to find dates on posts!

  • Jason S December 12, 2012, 10:06 am

    Congrats on your six years!

    My favorite PF topis right now are dividend investing, index investing and money management. I like to learn about new ways to invest money and tips and tricks about how to budget and be frugal.

  • Jeff December 12, 2012, 10:07 am

    Great prizes

    Great blog

  • Joel December 12, 2012, 10:10 am

    A topic that interests me is investing across different accounts with good asset allocation

  • Lucie Gautier December 12, 2012, 10:15 am

    Congratulations. My favorite topic is the TD e series and ETFs.

    Good job!

  • art December 12, 2012, 10:15 am

    Retirement planning and dividend investing are topics that I am interested in learning more about

  • Carol December 12, 2012, 10:17 am

    I enjoy the Smith Manoeuvre and credit card articles. Thank you for sharing your knowledge. It inspires.

  • abrearle December 12, 2012, 10:18 am

    Congrats on 6 years! My favourite topics include the Smith manoeuvre and couch potato investing.

  • Karim December 12, 2012, 10:19 am

    I would like to know more about building a portfolio and the allocations.

  • B Grayson December 12, 2012, 10:19 am

    I wish I had found this site in my thirties – Now in my sixties I am trying to make good use of the information here. Very informative.

  • SST December 12, 2012, 10:21 am

    Well done on growing all aspects of your life, FT.

  • Dave December 12, 2012, 10:23 am

    Happy Anniversary MDJ!

    A valuable resource for anyone interest in personal finance. Favorite topics include leveraged investing, credit card comparisons, and the monthly updates.

  • Alain Chiasson December 12, 2012, 10:26 am

    Love the site and tips.

    What might be nice is to give us a space to track our stuff and compare with others – anonymously of course. You had a great survey a while back, that provided nice insight.

    I would also love to see revisits to recommendations.

  • Erik December 12, 2012, 10:30 am

    I enjoy reading about: investing strategies (Dividend Stocks, Smith Manoeuvre, Diversifying one’s portfolio), tax tips, mortgages & retirement planning.

    Congrats & keep up the good work!

  • Chandra December 12, 2012, 10:31 am

    Best site and keep up the good work.Very informative.

  • Neil December 12, 2012, 10:31 am

    The personal finance topic I enjoy hearing about the most is how to invest your monthly savings in different investments on an ongoing basis.

  • Rob December 12, 2012, 10:32 am

    I enjoyed the posts about the Smith Manoeuvre and how your net worth increases every month.

  • Ivan December 12, 2012, 10:32 am

    Thanks for your great blog! I find it very informative.

  • Gerry December 12, 2012, 10:38 am

    Great blog. Highly informative.

  • Ricardo Stephens December 12, 2012, 10:41 am

    As a young entrepreneur, the success of your organizations will help me grow as well. I hope to one day attain the success you can know celebrate, congratulations my friends, well done.

  • Sean Cooper, Freelance Writer and Blogger December 12, 2012, 10:41 am

    I would really like to see an updated article on investments properties, as your 2008 article was really good, but a lot has changed.

  • mina December 12, 2012, 10:45 am

    Investing strategies and savings tips are the topics I find most interesting.

  • Dusitn M December 12, 2012, 10:49 am

    I have been reading learning over the passed year. I have created a passive indexed investment strategy.

    However, I’m considering moving to a dividend investment approach. I am always eager to learn about investing.

    Your site is always a great read.

  • Viper170 December 12, 2012, 10:50 am

    Dividend investing and retirement

  • Digger December 12, 2012, 10:52 am

    It’s always good to get more information about investing.
    Count me in.

  • Sorin Neacsu December 12, 2012, 10:56 am

    Your website has such good financial content . Thanks for maintaining it every day
    I have been able to learn so much about how taxes work, Smith Manouver and stock buying from this website.
    All the best for 2013

  • Echo December 12, 2012, 11:03 am

    Congrats on 6 years, FT! That’s an amazing accomplishment.

    Since I’ve set up a corporation for my side business, I’m definitely interested in hearing more about that topic. Specifically, personal stories about how others handle their small business when it comes to taxes, investing, dividend sprinkling, etc.

  • Doug December 12, 2012, 11:13 am

    Dividend investing and ETFs.

  • Jason R December 12, 2012, 11:14 am

    I have been reading for the last couple of years and have to say Thanks!
    Looking forward to the next 6.

  • Ruth December 12, 2012, 11:17 am

    Tax tips and dividend investing are my favourite topics. Thaks for asking!

  • Rob December 12, 2012, 11:17 am

    Thanks for all the great info over the years, I especially enjoy all things dividend related. keep up the good work.


  • Nate December 12, 2012, 11:19 am

    What I enjoy the most about the site is the different perspective on saving and investment approaches. While my longterm goals are similar with respect to the accumulation of wealth, I often don’t entirely (initially) agree with some posts — from my limited viewpoint. What I find is that in analyzing why I don’t agree, I get a better critical understanding of my own financial values and priorities (and mistakes), and wind up better informed as a result. I’ve discovered that ‘the journey’ is not black and white; it’s shaped by how we perceive and deal with risk. Everybody is different.

    So — thanks very much for being relatively open and transparent about your approach. It’s helped me open my eyes to different perspectives.

  • Mike December 12, 2012, 11:23 am

    My favorite topic is divided investing

  • On Demand December 12, 2012, 11:24 am

    Gratz on 6 years and counting.

    This is an excellent site for finance. I enjoyed all topics in your site. Hope to have a more in depth topic on stock selection and alternative investments.

  • Tim December 12, 2012, 11:31 am

    Congrats FT, well done.

    I like reading about dividend investing. I actually DRiP about 10 Canadian companies. It might be nice to hear more opinions on DRiPs and optional cash purchases. I’d also like to hear more about general strategy and taxes regarding DRiPs.

    Also, my mortgage is due for renewal in August 2013, and I’m planning on setting up a Smith Manoeuvre. So that is very appealing to me as well.

  • Adam Burry December 12, 2012, 11:32 am

    I would like to see more advice/discussion about global economic forecasts and how it should impact investing.

  • Kristi December 12, 2012, 11:38 am

    Congratulations! We’ve only just discovered you a few months ago, but are soaking up as much as we can :) We have enjoyed learning about tax tips, credit card comparisons and investing strategies. We still have so much to learn and are looking forward to many more years of info!

  • Kevin December 12, 2012, 11:42 am

    Love your site.
    I’d like some good RESP articles.

  • glenn December 12, 2012, 11:46 am

    I enjoy all that you do here @ milliondollarjourney. I hope that your news letter gets to more people out there to educate them on financial matters. It still amazes me to see all the $$ dumb dumbs out there.
    Keep up the good work.

  • Sandra December 12, 2012, 11:46 am

    Congratulations on 6 successful years! I’ve learned so much from your postings, and look forward to learning more. My favorite money topics include ways to save taxes, including options to reduce estate taxes, retirement – including pros and cons to purchasing an annuity versus investing in the market, ways to protect your own investments if/when entering into a marriage or common-law arrangement.

  • Sampson December 12, 2012, 11:48 am

    How about analyzing life and disability insurance needs.

    Congrats on all the success.

  • Lisa December 12, 2012, 11:48 am

    My favorite topics are about saving money in every area of our lives & as well as all the great advice on building our own investment portfolios so that I don’t have to pay others for this valuable advice :)

  • Pete December 12, 2012, 11:49 am

    You’re close to the 1MM mark– well done!

    Thanks for the great posts.

    My favourite personal finance subject has got to be dividend investing and ‘passive’ income generation.

  • Alison December 12, 2012, 11:50 am

    Congratulations!! My favourite subjects include ways to save money and ways of organising and tracking personal finances.

  • carwel December 12, 2012, 11:52 am

    I love articles about frugal living.

  • JW December 12, 2012, 11:55 am

    Congrats on the achievement!

    I love the credit card analysis.

  • Phalakone December 12, 2012, 11:59 am

    Congratulations for getting more than 18,000 suscribers in 6 years.
    I’m also a blogger where I’m trying to be independant with my blog and it sounds a long way to succeed.

    I like everything about real estate tips, dividend stock analysis and tips about personal credit cards.

    Suscribe to the money tips, liked the FB like and will tweet it now.

    Good luck to leave to RAT Race.

  • Samir December 12, 2012, 12:02 pm

    Thanks for all the insight into into saving money (i.e. your last post re: NYC) and also in dividend investing.

    Thanks and keep up the good work.


  • M December 12, 2012, 12:05 pm

    The articles on generating passive income, and the Net Worth updates are my favourites.

  • john sanderson December 12, 2012, 12:11 pm

    Always enjoy reading your blog – congratulations on continuing for 6 years but moreso on your financial accomplishments. You’ve shared many interesting thoughts over the years I’ve been reading – we started ahead of you chronologically but much later in terms of age – but have followed a path very similar to your own.

    I particularly enjoy Ed Rempel’s thoughts and would welcome a discussion on personal extended health insurance coverage when one doesn’t have access to a company plan.


    John in Kitchener

  • Chris December 12, 2012, 12:11 pm

    I would love to get that newsletter package!

  • Bob December 12, 2012, 12:14 pm

    The articles on the Smith Manoeuvre

  • Alexis December 12, 2012, 12:15 pm

    Congrats on 6 years! Great Website !
    Favorite topic: stock picking and investment strategies

  • Bsponge December 12, 2012, 12:15 pm

    Would like to see examples of your thought process and technical/ fundamental analysis carried out when you deciding to invest in a certain stock.

    Keep up the great work.

  • Erin Lukie December 12, 2012, 12:25 pm

    Congrats! My fave topics focus on investing, saving and budgeting while still enjoying life today.

  • Jerry December 12, 2012, 12:33 pm

    Most definitely dividend investing, please!
    And thanks! :)

  • Karen December 12, 2012, 12:42 pm

    Great blog MDJ! Favourite topics are credit card comparisons (seems to be a moving target so updates always welcome), and tax tips, especially re: tax implications of different types of investments for different registered (TFSA, RESP, RRSP) vs non-registered accounts

  • Sam J December 12, 2012, 12:44 pm

    Thanks for your unbiased advice and suggestions written in plain language. No gobble-de-gook! I love that!
    I am a buy-and-hold kinda guy. But I have had my fingers burnt by this approach.
    More articles on Dividend Investing and ‘honest brokers list’ will be welcome.
    Congratulations on your 6th. anniversary MDJ!

  • Graham December 12, 2012, 12:46 pm

    Being retired without pension, my main interest is Living of my investments.

  • Rick Morris December 12, 2012, 12:47 pm

    My favorite topics are stock market investing and how to save on income taxes

  • Congratulations, Frugal Trader. If your journey were to a million hits, you’d have finished long ago.

    It’s funny how blogging achieves results you never imagine at the outset. My pet peeve is when bloggers don’t use their real names (though I understand why you don’t).

    Kudos for having the courage to start blogging and keep going. Best wishes for ever-more success!

    PS My sixth anniversary is weeks away (Feb 2013).

  • MrT December 12, 2012, 12:51 pm

    Congrats on the milestone!
    I always enjoy anything investment related. Of course, dividends are the hot topic now. I continue to enjoy any information that impacts us as Canadians and our tax implications from investing. It seem to be an area that is lacking online.

    Something that would be great to see is a section that has personal investment stories from readers, both good and bad. It helps all of us learn from each other!

    Keep up the good work!

  • Dilbert December 12, 2012, 12:59 pm

    I prefer Smith Manoeuvre & Dividend investing topics! Thanks for writing! You have made a difference in my life!

  • D. Mason December 12, 2012, 1:03 pm

    Congratulations on your 6 year anniversary. My personal favourite topic is financial planning for retirement.

  • Bobby Aves December 12, 2012, 1:07 pm

    Congrats, Investing in all types of accounts. Non Registered, TFSA and RRSP strategies.

  • Patricia December 12, 2012, 1:14 pm

    Congrats! I enjoy reading about investing, insurance and RESPs.

  • Cailean December 12, 2012, 1:15 pm

    Congrats, the information about rewards cards you provided was the last thing I needed to give me that last push to make an appointment with my provider and make some changes.

    Keep it up

  • Leah December 12, 2012, 1:22 pm

    Favorite topics are how to evaluate a company to decide if it is worth investing in. And sorting out a way to narrow down the overwhelming search for company’s to invest in as each consideration takes time.

  • Tanya December 12, 2012, 1:28 pm

    Congrats on six years! My favorite topics that I would love to see more of are out of the box thinking for debt reduction, and tax tips.

  • ROBERT S December 12, 2012, 1:30 pm

    I would like to get some “For dummies” tips on setting up a buying account and any pitfalls as well as how they work, like where stock is etc any other help for beginners

  • ron December 12, 2012, 1:36 pm

    Congrats really enjoy the site

  • Etienne Pouliot December 12, 2012, 1:53 pm

    Congrats and keep up the good work! My favorite topic is by far stock investing.

  • Steven December 12, 2012, 1:56 pm

    I enjoy reading about investing in stocks.

  • Lester D'Silva December 12, 2012, 2:12 pm

    This is an unbelieveable site and easy to understand and follow.Divedend and stock investment Smith manoeuvre and how to assess a company are well written.Great work and congratulations. Please keep up the good work

  • Calvin December 12, 2012, 2:16 pm

    Congratulations! MDJ was the first financial blog I started following and now I read a few, all found through this website. I like all the investing tips.

  • Cathryn December 12, 2012, 2:16 pm

    Thank you for helping me with so many financial issues.
    Really made a difference in my life.

  • Coleman December 12, 2012, 2:27 pm

    I have switched my credit cards based on your reviews….keep them coming.

  • Swati December 12, 2012, 2:27 pm


    My favorite personal finance topics our investing and budgeting. I like your posts on reviews of individual companies (e.g. Questrade) and tips on how to budget.

  • Joe December 12, 2012, 2:35 pm

    congrats. Investing is my favourite topic.

  • Brianna December 12, 2012, 2:36 pm

    I’ve been following your blog for awhile now and I love all of your tips. My favorite is on budgeting!

  • Grant December 12, 2012, 2:44 pm

    Count me in. Investing Strategy topics are my favorite

  • Chris December 12, 2012, 2:48 pm

    Favorite personal finance topics are generally around dividend investing, Canadian tax strategies and occasionally tips to save or be more frugal. Great site. Chris

  • Jenny L. December 12, 2012, 2:57 pm

    Congrats on the 6 years! It’s a huge achievement! I like to read about investing tips and dividend stocks.

    I’m subscribed via email.
    Liked MDJ on Facebook.
    Tweeted: https://twitter.com/jenle33/status/278926582788259840

  • Yoree G. December 12, 2012, 2:57 pm

    Congrats on 6 years. DRIP investments are my interest.

  • Narinder December 12, 2012, 2:58 pm


  • Paul December 12, 2012, 3:00 pm

    Great website. Very informative content and great newsletters. I visit the site quite a few times every week. Congrads on 6 successful years!!!!

  • Brian December 12, 2012, 3:04 pm

    Contrats! I particularly enjoy the topic of investing strategies, including asset allocation and tax implications.

  • Suzanne December 12, 2012, 3:05 pm

    I like the investing advice and ways to save money. Great site

  • Paul December 12, 2012, 3:11 pm

    My main interest is investing in dividend paying stocks, but I enjoy most of the content.

  • D December 12, 2012, 3:18 pm

    Congrats. I enjoy the Smith Manoeuvre posts as they are very informative
    thanks and keep it up!

  • Karen M December 12, 2012, 3:29 pm

    Great website.

    Want to learn more about the smith maneuver. Taking advantage of drips already, but want to go into self directed investing on a small scale to start, but was told need minimum investments when buying stocks rather than drips, how can I start on a small scale in self directed investing? Want to find out how to develop a retirement plan.

  • William Gravel December 12, 2012, 3:31 pm

    Great site informative with easy to use, i look forward to the newletter and would like to see it more often. Season best to you and family. Thank you.

  • Sherry X December 12, 2012, 3:55 pm

    Always enjoy reading your site too! Topics that interest me would be dividend investing, and daily money saving tips.

  • Alicia December 12, 2012, 3:58 pm

    Congratulations on your 6 years of success! This website is a great source of financial information. The comparisons on credit card coverage,interest rate and discount brokerage come handy and useful. It will be great if you can elaborate more in investment strategies and ideas in the future.

    Lots of thanks and keep up with the great work!

  • Rajib December 12, 2012, 4:09 pm

    Congrats on the milestone. I’d be interested in seeing a post on strategies for minimizing capital gain taxes.

  • Charles December 12, 2012, 4:32 pm

    I enjoy topics on investing strategies, dividend income, and real estate.

    Amazing work!

  • Bobby B December 12, 2012, 5:29 pm

    I really enjoy your wide range of topics. I would like to see more of the great debate- which is better pure drip, self directed rsp, or self directed tfsa. I would love to see a chart showing the difference in growth between a synthetic drip and a pure drip (direct ownership). Keep up the great job

  • Roch December 12, 2012, 5:39 pm

    Congrats on the success. We will be here until the goal is reached.

  • Bob December 12, 2012, 5:41 pm

    Congrats on the milestone. My favourite topic would be be tips on saving money.

  • Badcaleb December 12, 2012, 5:49 pm

    All topics on personal finance. Thanks.

  • Robyn December 12, 2012, 6:01 pm

    Congratulations on a great site! Keep up the good work.
    Always interested in ways to minimize taxes.

  • Alfred December 12, 2012, 6:16 pm

    Well done!
    I enjoy all the investment posts, especially on dividend stocks.

  • Blitzkrieg December 12, 2012, 7:03 pm

    Investing, retirement planning, dividends, leverage.

  • Barry C. December 12, 2012, 7:08 pm

    my favourite topic is index investing

  • Tom December 12, 2012, 7:29 pm

    I enjoy reading these articles.
    I’d like to know how to perhaps buy one or just a few shares, of quality dividend yielding stocks, say for a child or grandchild.

  • Andrew C December 12, 2012, 7:47 pm

    Love your website, some of my favorite topics include dividend investing and taxation. Keep up the amazing work!

  • FrugalGreenie December 12, 2012, 7:50 pm

    Congrats on 6 years – I think I’ve been here for about 5! I remember when your readership was only about 3000 or so. Good work. Love to hear more about teaching strategies for children and money,

  • Steve R December 12, 2012, 7:59 pm

    Wow 6 years!!! I’m still trying to get a Smith Manouver (?) going.

  • Elbyron December 12, 2012, 8:48 pm

    I really enjoy the articles on saving money, optimizing taxes, reviews of the best banks/brokers/credit cards, and couch-potato index investing.

  • Lanette December 12, 2012, 8:58 pm

    Congrats on 6 years. I still like all the info you can give for beginner investors who are managing a self-directed RRSP.

  • MadMax December 12, 2012, 9:01 pm

    Great blog – thanks!
    My favorite topics include, but are not limited to; investing, index-investing, dividend investing and personal finance budgeting.

  • Ramona December 12, 2012, 9:12 pm

    Congrats on the Journey thus far…..I’ve been following you close to 5 years, and you never disappoint. Interests? I guess columns about impending retirement, preparing not only financially, but also mentally, interest me at this time. I like your stock columns as well, always intriguing to see your portfolio.

    Keep up the fight.

  • Boyd December 12, 2012, 9:17 pm

    I like reading the articles

  • Bluenoser December 12, 2012, 9:38 pm

    Thanks so much for this blog! I started reading it this year for the dividend investing advice.I am a long-time frugal person and newbie investor.

  • My Own Advisor December 12, 2012, 9:42 pm

    Congrats on the journey thus far. You inspired my blog and my own investing journey and for that, I am very thankful.

    I wish you all the best in the future….and stay in touch!

    Oh yes, my favourite topics: dividend investing and tax planning.


  • Jenson December 12, 2012, 10:00 pm

    Congrats on 6 years. I visit this site often and have found much of what you’ve written to be very valuable.

    For my part, more topics related to dividend investing, real estate investing and tax reduction would be of greatest interest.


  • Martin Laniel December 12, 2012, 10:25 pm

    Congrats on the anniversary!
    Favorite topic is dividend stock investing!

  • RS December 12, 2012, 10:37 pm


    My favorite area is RESP’s. I built my kid’s RESP with your strategy as a guideline.

  • Peter December 12, 2012, 11:02 pm

    Credit card comparisons are great as they are so varied and complex to figure out. MDJ gives clarity to a lot of subjects.

  • Kim Li December 12, 2012, 11:04 pm

    Congratulations on the milestone. I would like to see more information on comparision between various discount brokers, and also how to start investing from fairly limited amount of funds. BTW, I am a CFA chartererholder and really enjoy greatly of various articles.. Very informative!

  • Norman December 12, 2012, 11:24 pm

    Proper asset allocation is always an interesting read

  • Mallory December 12, 2012, 11:40 pm

    Good job! I like the diverse mix of topics and would like to see more investment strategies and tax minimization tips for professionals just starting out.

  • Kurt December 13, 2012, 12:07 am

    Good that there is a variety of information/topics. Personally I would like to see more investment topics on a regular basis.

  • Roland December 13, 2012, 12:09 am

    I would like to see specific information on Canadian large cap equities.

  • Paul G December 13, 2012, 12:33 am

    I’m interested in personal finance, as well as investing with limited registered room – ie, how to defer tax as much as possible.

  • John Lee December 13, 2012, 12:37 am

    Congrats. I’d like to hear more about personal money stories.

  • Daryl December 13, 2012, 12:43 am

    Portfolio allocation and Asset allocation are great topics

  • Sarah December 13, 2012, 12:44 am

    My favorite topics are TFSA, mortgage related, and passive investing

  • Rakesh Raki December 13, 2012, 1:02 am

    Congrats on the 6th anniversary! My fav topics are frugal living and investing.

  • Matthew December 13, 2012, 1:25 am

    6 years? Hardly seems like time has passed. Here’s to hoping for another 6!

  • Willie December 13, 2012, 2:15 am

    Congratulations! Six great years and many more to come. Thank you for broadening our knowledge.

  • Michelle December 13, 2012, 2:24 am

    Fave subject is budgeting

  • Be'en December 13, 2012, 2:39 am

    Congratulations.. You are also so close to reaching the million dollar net-worth mark!

    Enjoy the debate between active and passive investing!

  • Melissa December 13, 2012, 2:42 am

    Love to read more about dividend investing and stock picks. It would also be nice to see more on value investing.

  • celia h December 13, 2012, 2:44 am

    I’ve enjoyed following your successful journey toward personal wealth. The articles you’ve provided have been educational and useful. I’ve particularly liked the Best Credit Cards article.

  • Lian December 13, 2012, 3:32 am

    Bravo! Investing and personal finance.

  • Sheila December 13, 2012, 3:40 am

    I enjoy all of the money topics, because I learn so much and am able to share the wisdom. I have found the consumer comparisons to be particularly beneficial. Thank you for your service!

  • Pete December 13, 2012, 4:10 am

    Well done! Thanks, for six years of helpful ideas and thoughtful insights. Your posts are something to look forward to each day and have made a big difference in the way we handle our hard earned money. I particularly look forward to topics on investment strategies.

  • Sevastos December 13, 2012, 8:06 am

    Congratulations! Love the website :) I would say I love money saving ideas, tax tips, and investment strategies. Continue the good work!

  • JAVIER December 13, 2012, 10:08 am


  • jhwn5 December 13, 2012, 10:39 am

    Congrats FT! It has been a great 6 years of reading and I know you have inspired this person to be better with money. Here’s to six more years!

  • Gillian December 13, 2012, 11:58 am

    I would be very interested in the book.
    I have just stumbled upon your site today, and am intrigued!

  • Shammy December 13, 2012, 1:53 pm

    My favorite topics include the Smith Manouver and tax tips.

  • Brian December 13, 2012, 2:06 pm

    The topics I am most interested in are dividend investing, specifically which tax sheltered accounts can be used by Canadians to most efficiently buy and hold domestic and foreign securities. I also enjoy the reviews and updates on the credit card options available to Canadians, especially no fee cash back cards. With a recent addition to the family, details on RESP’s have been required reading for me, and keeping updated on options for HELOC’s as rates and products for Canadians change is also interesting.

  • Miguel December 13, 2012, 2:15 pm

    I like reading about asset allocation amounts, and specific ETFs/stocks, to suit various types of situations (with a pension, without, based on age, own a house or not, etc).

  • James December 13, 2012, 2:18 pm

    Your blog got me started onto my retirement journey and has provided me with some great insight into an array of different topics. Thanks and congrats on 6 years.

  • Art vino December 13, 2012, 2:22 pm

    love reading up on dividend investing !!

  • andrewbpaterson December 13, 2012, 2:22 pm

    Congrats on 6 years!
    I must say that what catches my eye is all things real estate investing.
    Thanks, FT!!

  • Kevin R December 13, 2012, 5:19 pm

    My favourite personal finance topics… Retirement, Travel, RRSP/TFSA & Mortgage. Thanks!

  • Joe S. December 13, 2012, 5:39 pm

    Nice – and fav topic is dividend investing.

  • Ashish December 13, 2012, 11:19 pm

    Congratulations! Well done! I stumbled upon your site around 4 years back when I wanted to know more about RESP . Now I am a regular follower for your investing tips. Keep up the good work .

  • Daniel Fudalewski December 14, 2012, 12:49 am

    I am very interested in the info about dividend investing!

  • Danny G. December 14, 2012, 12:53 am

    Congrats! Favorite topic is dividend investing.

  • Nancy December 14, 2012, 1:42 am

    Hi Frugal Trader, I’m new to the game and very interested in learning ways to put myself in a much better financial picture than where I am now. I’m 52 and in debt but have a debt reduction plan, I’m working on an emergency fund and making short, medium and long term goals and curious about investing. From the list of topics I can see this is an excellent resource. Thank you and congratulations.

  • kevin December 14, 2012, 11:46 am

    great and resourceful site for a new investor, 2013 will be the year I make my first trade thanks in part to you guys :)

    Keep up the great work..

  • Max December 14, 2012, 1:27 pm

    Favourite topic: Articles from the original FrugalTrader himself — net worth and portfolio updates. Recent articles have been lacking, but the older articles are gold

  • Simple Rich Living December 14, 2012, 3:12 pm

    Hi, Congrats! Dividend Stocks are my favourite topic!

  • Bet Crooks December 14, 2012, 6:07 pm

    Topics I enjoy reading about include
    -dividend stocks
    -RESPs, especially how to start using the money in them when the time comes for uni
    -extra sources of income, especially ones that only require a few days not a long term commitment
    -blogging money making tips

    Congratulations on your success!

  • Daniel December 15, 2012, 1:00 am

    I have always been interested in any financial topic (probably why I am a bachelors of finance!). This site is extremely helpful given its down to earth and direct approach, making complex topics easy to understand. I like, particularly, the stock and real estate investing topics. Thank you!

  • Jon, CMA December 15, 2012, 2:34 pm

    This website/blog has been fantastic over the last year. I’ve started the smith maneuver, increased my mortgage payments and optimized my son’s RESP.

    Next challenge is to introduce dividend sprinkling and i’ll be following MDJ advice the whole way through.

    Thanks again and can’t wait for the next 6 years!

  • Jess December 15, 2012, 5:58 pm

    I’d really like a succinct pros and cons list on whether it’s better to put extra cash into an RRSP or into your mortgage?
    Thanks for all the great info, I love your blog too!

  • Claude December 15, 2012, 7:49 pm

    I enjoy articles on wealth accumulation, early retirement, high savings rates and how to invest that money. Also anything related to mortgage strategies.

  • hcruhc December 16, 2012, 1:09 am

    Great blog and congrats! Articles on RESPs, dividend investing catch my eye.

  • karen December 16, 2012, 2:46 am

    I like reading about dividend investing!

  • Christina December 16, 2012, 3:52 am

    Ways to save money while going to college and working a part-time job

  • Iyad December 16, 2012, 9:27 am

    Congrats for 6 years already. Been great with all kind of topics. will be interesting to hear something soon about real estate investments

  • Ploq December 16, 2012, 12:29 pm

    Congrats MDJ on 6 years.

  • stephane December 16, 2012, 3:33 pm

    Congrats for the great work ! I’m a big fan of RESP articles along with credit card comparisons and REIT

  • Dave A. December 16, 2012, 7:35 pm

    Congrats!! My favorite topic is dividend investing

  • Dave Trafford December 16, 2012, 8:35 pm

    We old guys are always interested in ways to maximize our income through relatively safe investments.
    Still looking for 900,000 people to send me $1.00 each!

  • Rosalie Banal December 16, 2012, 10:56 pm

    Congratulations! I enjoy reading topics about different investing strategies.

  • Rowan Bowyer December 17, 2012, 12:38 am

    I live in Australia so this may preclude me from any prize ( hope not) any way even if not I have just started to read your articles and I don’t think we have coupons over here so some of that goes over my head BUT there are SO many other strategies that I have started to put into practice. SO ! from thousands of miles away ( we use kilometers here ) I say THANX that’s thank you in Aussi lingo.

  • Marc172 December 17, 2012, 12:44 am

    Congrats! I enjoy reading about passive investing strategies :)

  • extraovereducated December 17, 2012, 1:20 am

    Hurrah!!! That is awesome, and congrats! I really like reading about the Smith Manouevre, dividend investing, and stock options!! Love it all!

  • Thomas December 17, 2012, 11:40 am

    I’ve been reading since the start when I was an FYI guy before I became a CFP

  • Erlyn December 17, 2012, 5:22 pm

    I enjoy reading topics on your site about investing strategies, tax tips, money saving, mortgages. Thanks for the giveaway and congratulations!

  • Don Benoit December 17, 2012, 5:31 pm

    I ve been with you for 6 years.Today I m interested in retirement income and I m always looking for a good financial advisor.

  • Lena December 17, 2012, 10:59 pm

    Congrats! I’ve only been following you in the last couple of years but I’ve learned a tons! Keep up the great work! My favourite topics are RRSP investment strategies

  • Goldberg December 18, 2012, 2:42 pm

    I like reading about mortgage and dividend investing…

  • mateo dane December 18, 2012, 3:15 pm

    love the site! Keep it up! I’ve been reading and following for 5 years now. Favorite topics for me have been debt reduction (having had big student loans to deal with) as well as personal finance tracking tools.

  • Ronnie December 19, 2012, 12:35 am

    Your site is the first blog that I read when taking my journey to becoming more financially literate. I would love to see more tax tips (as a contract worker particularly) and investing tips.

  • Jason December 19, 2012, 7:44 am

    Your topics on stock investing and tips on saving money interests me.

  • Michael B December 19, 2012, 1:41 pm

    I’d love to see more posts on debt reduction and long term savings strategies.

    Thanks for the great posts over the years

  • Supatra December 19, 2012, 9:27 pm

    I would like to get more info on Estate planing.
    how to pay less probate fees ?
    what should I handle my finacial assets so my children will receive the most of my assets and not the government ?

    thank you for the great posts for the last 6 yrs.

  • Richard December 21, 2012, 12:40 pm

    Excellent site congratulations and thank you

  • Colin C December 21, 2012, 1:10 pm

    My fave topics are real estate and long term retirement planning

  • Richard December 21, 2012, 7:54 pm

    Topics on stock investing are great! Congrats on 6 years

  • Ronny December 21, 2012, 8:42 pm

    Love this site! keep it up :)

  • Thomas December 21, 2012, 11:27 pm

    Congrats on 6 years! This is the first financial blog I started to follow and still my favorite. There is plenty of really great info on your site, I’d like to see more posts for beginners just getting into investing. The topics I’ve enjoyed most are tax tips, smith manoeuvre and your various real-estate posts.

  • akroeze December 22, 2012, 12:01 am

    Definitely interested in seeing more about details on how to get the most of your taxes

  • Adam December 23, 2012, 6:25 pm

    Congrats on six years! I enjoy reading about family finances.

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