Exclusive Canadian MoneySaver Magazine Discount

For those who are fans of personal finance and investing magazines (like myself), Canadian MoneySaver Magazine has offered MDJ readers an exclusive discount of 25% off their digital subscription.  Personally, I’m a big fan of the “beating the TSX series” where the author shows his annual results of picking high yielding, blue chip stocks from the TSX.

Price: Regular price is $20 for one year or $36 for two years, MDJ price is $15 for one year or $27 for two years. (sorry new clients only, this does not apply to renewals).  Note that this offer is for their Online Edition only.

Use discount code: MDJ at the bottom of the screen when signing up here (this offer expires April 30).

TD Aeroplan Visa Infinite Promo

For Aeroplan fans, TD Infinite Visa has an enticing limited time promotion (expired May 27, 2016):

  • Current offer: Welcome Bonus of 15,000 Aeroplan Miles with your first purchase and an additional 10,000 miles when you keep your account active for 90 days (enough for a free flight in North America). Plus, no Annual Fee for the first year ($120 savings).
  • The card offers 1.5 pts/$1 spent at gas stations, grocery stores, drug stores and on AirCanada.com.  1 pt/$1 spent on everything else, and a very comprehensive travel insurance offering.
  • I consider this one of the best cards for Aeroplan collectors.

Weekend Reading

It is tough to imagine the average person buying a house in perpetually-hot real estate markets such as Toronto and Vancouver. But, lenders do not lack imagination as Boomer & Echo show in their Zero Down Mortgages: The Last Gasp From A Housing Bubble Ready To Pop? post.

Succession planning is critical to the future success of a business, be it finding someone to take over your job in a big corporation or a buyer for your small business. The Blunt Bean Counter addresses the latter topic through his post on
What Small Business Owners Need to Know – One Day You Will Sell Your Business

With snow melting and winter coming to an end, Sustainable Personal Finance offers a timely post on why Using a Rain Barrel is a Smart Way to Save on Water.

An investment profile during the nest egg accumulation phase will differ from the withdrawal phase in retirement. So, the mix of investments needs to change accordingly. My Own Advisor‘s Asset allocation in retirement offers a helping hand for such a transition.

Have you thought about how CPP payments are calculated? About how the payments accommodate people taking time off work for different reasons? If you have not, then Michael James on Money‘s post CPP Forgiveness or Unfairness will help you understand the zero-sum game nature of the system.

If you are a member of the Aeroplan program, then Young and Thrifty‘s post will provide you with the Best Way to Use Aeroplan Miles. Hint: Do not buy merchandise or gift cards with the miles.

For those starting out in the investing world, index funds are a great vehicle. It provides a way to invest small amounts in a regular manner without trading costs. Canadian Finance Blog shows How To Setup and Rebalance TD e-Series Funds to kickstart your investment journey.

It looks like Canadians are continuing on the path of racking up more debt as per the Statistics Canada report that the Canadian Personal Finance Blog covers in Another Quarter Richer but Deeper in Debt.

Depending on your career aspirations, age and corporate performance review program, you may take sides on Canadian Dream‘s subject about Slacking Away or coasting at work.


  1. Michael James on April 8, 2016 at 11:52 am

    I’m not a fan of collecting miles and points. The businesses that offer them consistently devalue them over time by changing the rules for using miles and points. Thanks for the mention.

  2. Robb Engen on April 8, 2016 at 5:38 pm

    Thanks for the mention, FT! It’s hard enough to imagine buying a home without a downpayment, but to borrow the downpayment is downright silly.

  3. My Own Advisor on April 9, 2016 at 10:34 am

    Thanks for the mention FT. I also enjoy reading the BTSX articles. I happen to own many of the CDN stocks in that model but unlike the BTSX I don’t intend to sell very many of them. Buy and hold is my approach – see it through.

    Have a great weekend, talk soon!

  4. Joey on December 29, 2016 at 10:25 am

    Hey MDJ, what are the chances to try for a new discount code for Canadian Money Saver? I’ve been interested in the magazine for a while now and I’m ready to pull the trigger!

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