Yes, you read right, it’s already been five years since Million Dollar Journey kicked off! It all started in early Dec 2006, just over 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 16,000 subscribers and have received over 10 million hits over the past five years.

As a token of my appreciation, I’d like to again give something back to the readers and the community (about $1000!).

The Giveaways

Gift Cards

For the readers,  I’m offering multiple prizes to increase the chances of winning.  Having said that, we’re giving away $25 or gift cards, 20 to be exact ($500 total).  Hopefully this will go towards financial books that you’ve been meaning to pick up.


In addition to the prizes, I’d like to do something for the Kids Make a Wish Foundation this year.   This is a first for us – 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 405 (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 10 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.

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.
  4. Only those with a North American mailing address may enter.
  5. Contest will end Sat 5pm EST Dec 17, 2011 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).


  1. Sustainable PF on December 5, 2011 at 9:51 am

    5 years! Wow – great work FT!

  2. Michael on December 5, 2011 at 9:52 am

    Happy Anniversary!

  3. Paul on December 5, 2011 at 9:52 am

    Congrats on 5 years. keep it up. i personally like the debt reduction articles.

  4. Jungle on December 5, 2011 at 10:08 am

    Good job on the blog! I like talking about dividend stocks, discussing the markets and companies.

  5. Steve on December 5, 2011 at 10:09 am

    I’d love to see some content for high net worth individuals that roll their investments into a corporation. I realize this might not be needed by most readers (nor I at the moment) but since this is the Million Dollar Journey…

    I have several colleagues at work who do this, and they and their spouse each own a share. They occasionally pay themselves a special dividend when they want some cash for non-investing purposes.

    I’d love to know more about the costs, benefits, etc. for this technique. My colleagues seem to think once your investment portfolio is north of $1 Million it’s time to use this strategy.

  6. joncosmo on December 5, 2011 at 10:13 am

    Congrats! Dividend Investing!

  7. Chris on December 5, 2011 at 10:25 am

    Great website. I would like to hear more about ETF’s though.

    Keep it up!

  8. bipin on December 5, 2011 at 10:31 am

    5 years of awesome work. more power to you.

  9. UH on December 5, 2011 at 10:36 am

    Great blog…keep it up!

  10. Elizabeth on December 5, 2011 at 10:41 am

    Congrats on the anniversary, and kudos to you for including charity as part of your celebration.

    My favourite topics are money trends and investing.

  11. DavidV on December 5, 2011 at 10:47 am

    Congrats on five years!

    My favourite topics are boring old saving articles (millionare next door type).

  12. Daryl on December 5, 2011 at 10:53 am

    Congrats on your five years.

    I’m interested in financial independance, portfolio allocation options and RESP topics.

  13. amy on December 5, 2011 at 10:54 am

    My favourite topics are saving and investing money.

  14. Dustin on December 5, 2011 at 11:05 am

    RRSP’s TFSA’s, RDSP’s all sorts of retirement vehicles. Always an interesting reading also enjoy the multiple link days.

  15. ldk on December 5, 2011 at 11:05 am

    Congrats on the Anniversary! You’ve created one of the best Canadian-content money blogs around.

    I’d like to see some reader stories/real-life case studies (money make-over type stuff.)

    Thanks and congrats again~

  16. Jason R on December 5, 2011 at 11:18 am

    Congrats. My favorite topics are on portfolio creation and money saving / budgeting tips.

  17. Amanda on December 5, 2011 at 11:29 am

    Investment strategies, please!!

    Congrats on the anniversary.

  18. Vinny on December 5, 2011 at 11:40 am

    Personal finance stories.


  19. awesomeness on December 5, 2011 at 11:45 am

    Congratulations on the 5 year mark, you have a wonderful blog!

    Personally I enjoy various personal finance topics. (Personal stories, number crunching, dividend investing, tax tips, market analysis)

  20. ThePaperboy on December 5, 2011 at 11:45 am

    Congratulations on the 5 years!

    I’m already a subscriber to the newsletter, what I like is personal money stories because I feel that I can learn a lot from them.

  21. Rod on December 5, 2011 at 12:01 pm

    I’d like to have a stock invenstment for dummies. Step by step from opening an acount to transfering money and making investments in individual stocks.
    also some links to do this with fake money first.

  22. Nisha on December 5, 2011 at 12:11 pm

    Congrats on the 5 successful years! I really enjoy reading the personal money journals. Thank you…

  23. J on December 5, 2011 at 12:31 pm

    wd, I enjoy tracking my finances

  24. nobleea on December 5, 2011 at 12:35 pm

    I like PF topics on financial goal setting and small businesses.

    I think I’ve been following MDJ for 4.5 years!

  25. Steve @ Grocery Alerts on December 5, 2011 at 12:43 pm


    My fave PF topics talk about tips on new stock opportunities and ways to cut investing costs.


  26. Corina on December 5, 2011 at 12:46 pm

    I wish you many more anniversaries to come! I like personal stories, the “family profile” type in Money sense – with different situations.

  27. Terry on December 5, 2011 at 12:54 pm

    Congrats on five years, an excellent accomplishment.

    I would also like to echo the comment above talking about personal finances and net worth when combined with a corporation. How to optimize removing money from the business, how to invest the money still in corporate accounts, etc.

    Happy Holidays!

  28. Bernie B on December 5, 2011 at 1:07 pm

    Congrats on the 5th anniversary. I enjoy financial planning, Mutual fund articles

  29. greg on December 5, 2011 at 1:08 pm

    Five successful years under your belt, here’s hoping for many, many more!

  30. Alana on December 5, 2011 at 1:08 pm

    My favorite finance topics are your net worth updates. I like to see your success and it pushes me to save as well.

    Congrats on 5 years!

  31. Juan on December 5, 2011 at 1:10 pm

    Congratulations on your 5th anniversary, well done.

    I am interested in learning more about asset allocation when real estate
    (both personal and investment) is one of assets.

  32. Dr. Philosophy on December 5, 2011 at 1:11 pm

    Keep up the good work
    My favorite personal finance topic is dividend investing for yield
    2nd favorite is strategies for weekly budgeting

  33. Willie on December 5, 2011 at 1:13 pm

    Congrats! I always read the investing strategies articles! More please!

  34. Rosalie Banal on December 5, 2011 at 1:22 pm

    Congratulations and more power!
    My fave topics are on investing strategies, RESP/TFSA/RRSP tips and savings/mutual funds/credit card comparisons.

  35. Belinda on December 5, 2011 at 1:25 pm

    Congrats on your anniversary. I joined your website because of the Smith Maneouver articles. I really enjoy the personal finance stories and the information on basic investment/ money saving strategies such as TFSA, RRSP, RESP. I am moving into a mature life cycle of my portfolio (15yrs to retirement) and would like some strategies on equity preservation! With the current economic times my portfolio is taking a beating all around. I do have a financial consultant, but always looking for new approaches!

  36. Heather on December 5, 2011 at 1:31 pm

    Congrats on 5 years!

    I like the vast majority of the topics that you cover, but particularly the Smith Manouevre, retirement strategies, and family finances are my current favorites.


  37. Timmy on December 5, 2011 at 1:33 pm

    Congrats on 5 years.

    I’ll second @Belinda’s comment above, as my life situation is similar.

  38. Judy on December 5, 2011 at 1:37 pm

    great job. interest in taxation of all this $ that we are making…

  39. Sandra on December 5, 2011 at 1:39 pm

    Congratulations on celebrating 5 years! Money saving tips, retirement articles, and pros/cons of various credit cards & investment vehicles.

  40. Luc richard on December 5, 2011 at 1:40 pm

    Congratulations on 10 years.

    As for topics, a post one how to start with dividend stocks in a TSFA account.

    A newbie guide would be great

  41. Patricia on December 5, 2011 at 1:44 pm

    Congrats! This was the first finance blog I followed, and I’m still here! Love the variety of topics – no favourite.

  42. Greg on December 5, 2011 at 1:45 pm

    Keep on educating!

  43. Danny Canuck on December 5, 2011 at 1:46 pm

    Congrats FT!

    Favorite topics are specific investment strategies.

  44. LB on December 5, 2011 at 1:51 pm

    Getting out of debt stories!

  45. Joel ME on December 5, 2011 at 1:55 pm

    favourite topics… TFSA and Dividend investing.

  46. andy on December 5, 2011 at 1:56 pm

    I always remember MDJ every time I get a 50 bucks check from MBNA ;)
    Congrats on your 5 years!
    Preferred Topic – CC rewards! ;)

  47. Janine on December 5, 2011 at 1:58 pm

    My favourite topic is budgeting and finding balance in doing just that!

  48. Narajin on December 5, 2011 at 2:00 pm

    Congrats on the 5 years!

    Keep up the good work!

    Been a follower since the start. Really helpful tips.

  49. Digger on December 5, 2011 at 2:34 pm

    Way to go!
    The Credit Crad comparisons are always intersting.

  50. InstruMike on December 5, 2011 at 2:37 pm

    My favorite personal finance topics are investing strategies, tax tips, your comparisons of credit cards, low fee banking etc. and the smith manoeuvre.

  51. Elbyron on December 5, 2011 at 2:59 pm

    Wow, 5 years! Congratz!

    My favourite articles are about saving money: tax minimization, reducing fees, finding good deals, using the best credit cards (no surprise there), and other frugal ideas.

    A lot of people seem to be voting for investment strategies, and while I find these articles educational (especially Clark’s work), they are of lesser interest to me as I’m just going to stick with my boring old couch potato strategy.

    I actually started reading this site 3 years ago when I found it by searching for info about the Smith Manoeuvre, and the existing articles are great! I’m not sure a whole lot more could be written on this topic, but continue keeping them up to date!

    Thanks for keeping this great site going and growing, and congratulations on your success! I look forward to contributing more articles in the future.

  52. kevin on December 5, 2011 at 3:00 pm

    Happy Anniversary! Tax rules.

  53. newinvestor23 on December 5, 2011 at 3:01 pm

    Congrats, mine is Dividend Investing

  54. Jim Yih on December 5, 2011 at 3:12 pm

    Congrats on all your success! You deserve it

  55. GTK on December 5, 2011 at 3:37 pm


    ETFs, mortgages, reward card strategies, comparisons (credit cards, mortgages, financial products, etc), tips & tricks with trading accounts (norberts gambit, washing trades, using traded high interest savings accounts to hold cash, etc), ways to save during live events (baby, renovations, buying a property, etc)….

  56. Brian C on December 5, 2011 at 3:41 pm

    Congratulations! Enjoy reading the posts especially on the Financial Updates for comparison purposes..let’s me know if I’m on track for my own MDJ. Would love to hear more things teaching kids about money. I have a young daughter and would welcome some ideas.

  57. Jeff G on December 5, 2011 at 3:53 pm

    Favourite topic is investment portfolio strategy.

  58. Kinny on December 5, 2011 at 4:00 pm

    You’ve been great! It’s my 3 year anniversary following this site =)

  59. Norman on December 5, 2011 at 4:03 pm

    More stories similar to your net worth updates would be nice.
    Advice on what people can do to budget and save better.

  60. Susan on December 5, 2011 at 4:04 pm

    Thanks for all the information over the years. I find all the topics informative.
    TFSA strategies are currently my favorite.

  61. Linda on December 5, 2011 at 4:05 pm

    Congratulations! Love your blog.

  62. ssssss on December 5, 2011 at 4:17 pm

    You’ve made great strides in 5 years!
    Would like more advice regarding physical assets such as buying farm land for example.

  63. Gary on December 5, 2011 at 4:22 pm

    Congratulations!!! Happy Holidays!

  64. Grant on December 5, 2011 at 4:36 pm


  65. Chris on December 5, 2011 at 4:37 pm

    Congrats! My favorite topics have always been about your Smith Manouvre and the explanation of financial topics (like the recent share buybacks) because you’re great at explaining things in a simple way.

  66. Erin on December 5, 2011 at 4:39 pm

    I’d like to hear more on taxes and investing. (How could I have missed that I’d need to calculated the ACB on my automatic investment plan when I sold to fund a downpayment…)

  67. Brian on December 5, 2011 at 4:51 pm

    Congrats to you and the site! Very enjoyable and informative. Thanks to all who have contributed to the site as well. My fav, dividend investing and the Smith Manoeuvre

  68. Nicole on December 5, 2011 at 5:23 pm

    Congratulations on five great years!
    I am commenting, I have subscribed, and I liked the facebook page
    I’d love to see more about increasing income via several streams.
    My email address is nicole at knitnicoleknit dot com

  69. Alex C on December 5, 2011 at 5:26 pm

    Congrats on 5 years. I prefer more advanced analysis of topics, as opposed to the simple “things you shouldn’t buy to save money” that are common on a lot of personal finance blogs.

  70. Spudman on December 5, 2011 at 5:35 pm

    Congrats, love the blog…my favorites have been the best CC.

  71. Ruth on December 5, 2011 at 5:48 pm

    Congratulations! Enjoy your blog. I’m newly retired. Would like to read more on the topic of managing money in retirement. And more info on dividend stocks is always useful

    Thank you

  72. canucktuary on December 5, 2011 at 5:57 pm

    I like reading about case studies.

    Congrats on 5 years!

  73. Lyne on December 5, 2011 at 5:59 pm

    Congratulations!! I enjoy many topics, but especially investment-related ones, like an analysis of new products on the market.

  74. Gregg on December 5, 2011 at 6:23 pm

    I started reading because your topics were relevant to me (my family) and were written in a simple and appicable way. I spent the first couple months scouring your archived entries and found many tidbits that have improved my decision-making abilities when it comes to financial decisions.
    I continue to expand my knowledge in managing my own protfolio of investments. Self directed products are much more accessible now and a majority of people don’t even consider this an option. Please continue to write about the Smith manouevre and your choices for self directed investing.
    I see you divested your revenue property. Many people find these investment options less risky than the stock market (especially with the way the markets are these days) so I would like to see more investing information related to the property market.
    I am always a fan of the financial makeover, where you take a person’s situation and get advice. I’m always torn between investing in RESPs, TSFAs and RRSPs, and paying off debt. So every story that weighs these decisions helps with my understanding of my own situation.

  75. Matt on December 5, 2011 at 6:23 pm

    I enjoying reading about investment strategies.

  76. DanP on December 5, 2011 at 6:30 pm

    congrats on year number 5! I’ve been reading for about a year now and look forward to the upcoming next year. I really enjoy reading about your personal experiences more than anything.

  77. Miguel on December 5, 2011 at 6:35 pm

    Seems like you’ve been around a long time in my books…
    favourite topic is etf’s and discussing dividend portfolios.

  78. Richard on December 5, 2011 at 6:37 pm

    Congratulations! I enjoy reading the monthly updates to track your progress.

  79. Shelly on December 5, 2011 at 6:43 pm

    Congrats FT! I like articles on debt reduction, mortgages/real estate, and net worth updates :)

  80. Jenna, Adaptu Community Manager on December 5, 2011 at 6:45 pm

    Happy 5th Birthday!

  81. Steve R on December 5, 2011 at 6:50 pm

    I like your net worth update each month. It’s a useful benchmark.

  82. Jess on December 5, 2011 at 6:53 pm

    Congratulations! I would love to read an article on the most popular TSX ETFs, and which online brokerages are now offering commission-free ETF trading and for which ETFs? Sorry if that’s a lot!

  83. IG on December 5, 2011 at 7:00 pm

    I’m interested in more articles about Employee Stock Purchase Plans. When it’s worth participating and when it’s not.

  84. Amanda Schneider on December 5, 2011 at 7:06 pm

    Congrats MDJ!! Favourite topics: investment strategies and TFSAs

  85. Ryan on December 5, 2011 at 7:08 pm

    Love hearing about tips to save on money around the house. Love the variety here too though..

  86. Dave H on December 5, 2011 at 7:42 pm

    Congrats! Keep it up. I personally like the monthly net worth updates as we are on a similar path.

  87. chris on December 5, 2011 at 7:47 pm

    finance stories. congrats on the 5 years! been reading this blog for almost 4

  88. Melanie Samson on December 5, 2011 at 8:31 pm

    Congrats! I like money-saving tips that go beyond the obvious ones like packing a lunch and making your own coffee. I also like comparisons of credit cards, insurance products, etc. (which are really money-saving tips, as well).

  89. Eric on December 5, 2011 at 8:49 pm

    Hey, congratulations on the 5 year milestone. I would also like to see a few posts about employee stock purchase plans.

  90. jess on December 5, 2011 at 9:00 pm

    congrats on 5 years!

  91. Sean Cooper on December 5, 2011 at 9:14 pm

    Congrats on 5 years!

    I’m interested in learning more about indexing vs active investing.

  92. James on December 5, 2011 at 9:15 pm

    Exploring different options presented to investors. Ex: Debt reduction vs investing.

    Also, the tax implications of different investments.

  93. Antoine D. on December 5, 2011 at 9:30 pm

    This was one of the main sites that helped me pick a discount broker and take control over my own investments. The posts reviewing the discount brokerages directly influenced my decision.

    I would like to see more posts relating to “due dilligence” type topics when it comes to choosing stocks. From my reading, most sources recommend doing it, but never give detailed clear instructions on how to do so.

    A case study detailing why “X” stock had big red flags 1 year ago or something like that I would find very useful.

  94. anne roy on December 5, 2011 at 9:47 pm

    Congratulations on 5 years! Your blog is a great read and very educational.

    Would love to learn more about generating passive income through dividends.

  95. Steph on December 5, 2011 at 9:55 pm

    Congrats, keep up the great posts.

    Topics of interest for me would be dividend investing and Registered plans (RRSPs, RESPs).

  96. Michel on December 5, 2011 at 10:30 pm

    Congrations for 5 successful years of helping people like myself. I truly enjoyed your articles , especially your primers on bonds, ETFs, stocks, mutual funds, colosed-end funds, future contracts, money-markets…

  97. Gerard on December 5, 2011 at 10:40 pm

    Congratulations on five years (which is great because it means there’s four and a half years of “back issues” that I can work my way through!).

    My main interest is Financial Independence through making my life simpler and smaller, but I read your site mostly for the investing stuff.

  98. My University Money on December 5, 2011 at 11:04 pm

    Five years is unbelievable. Great job MDJ. To consistently produce the high-level content that you have over the years is pretty amazing. I’m a huge fan of the quality of posts on the SM here. In terms of what I would like to see more of, I wouldn’t mind seeing some posts about your blogging journey and what your rise was like.

  99. Mike on December 5, 2011 at 11:35 pm


    My favorite topic is budgeting and savings

  100. Marc on December 5, 2011 at 11:41 pm

    awsome!! :) great job

  101. Gary on December 5, 2011 at 11:55 pm

    Great Job! I enjoy the stuff on the Smith Maneouvre – very informative!

  102. Joe S on December 6, 2011 at 12:01 am

    Just signed up to the newsletter. Enjoying the reading.

  103. GK on December 6, 2011 at 12:10 am

    Congrats on 5 years! My favourite articles are your monthly recaps. I like seeing you get closer to your goal!

  104. Jeanne on December 6, 2011 at 12:27 am

    Congratulations and please keep up the great work!

  105. Henry on December 6, 2011 at 12:52 am

    After tax asset allocation!

  106. Imad on December 6, 2011 at 1:52 am

    Congrats on 5 years! I did learn so much in finance from this website that when I was doing my Finance courses at school, I knew almost everything already!

    What I liked reading the most was investing strategies.
    Keep it comming!


  107. Simple Rich Living on December 6, 2011 at 1:55 am

    I would like to learn more about ‘how to pick stocks’, stock investing and dividend investing.

  108. Rob on December 6, 2011 at 2:03 am

    Congratulations on 5 years. I read MDJ primarily for all things Smith Manouevre.

  109. Patrick on December 6, 2011 at 2:12 am

    Congratulations on the 5 years and counting! Like small business, real estate investing info, credit card comparison, smith manouevre, financial books….

  110. telefantastik on December 6, 2011 at 2:16 am

    Congrats, hope mdj stays the best PF resource for another 5 yrs and beyond!

    My favorite PF topic is the active vs. passive investing debate and the research that’s behind each option.

  111. Be'en on December 6, 2011 at 4:37 am

    Congratulations! Many more years of happy blogging!

    If you are able to discuss real-life cases from time to time, it would be great.

  112. Greg on December 6, 2011 at 5:01 am

    Congratulations on 5 years.

    Favourite topics are Smith Manoeuvre and cash back / rewards credit cards.

  113. babagram on December 6, 2011 at 7:16 am

    My son directed me to this site soon after you started up. Congratulations!

  114. Keith on December 6, 2011 at 7:25 am

    Congratulations! I am intrested in income producing topics.

  115. Fred on December 6, 2011 at 8:24 am

    Congrats on the first 5 years. My favourite topics are Real Estate, Smith Manoeuvre and cash back / rewards credit cards.

  116. Melissa on December 6, 2011 at 9:14 am

    Congratulations on 5 years!

    My favorite topics are your personal finance experience. I love to compare my net worth growth to yours and see get new ideas for portfolio growth.

  117. Trevor on December 6, 2011 at 10:56 am

    A topic I’d like is tips for single income folks without a ton of money. Thanks.

  118. B Pegg on December 6, 2011 at 11:32 am

    Congradulations, I enjoy the various blog sites picking and having stock competitions between each other and seeing what evryone picks and why.

  119. Jason Turner on December 6, 2011 at 12:00 pm

    Happy 5th! Love your articles on creative ways to cut expenses and your investment/savings articles. Best of luck in the next 5 years!

  120. MO on December 6, 2011 at 12:39 pm

    Happy 5th! I’m a recent visitor to this site and have stuck around thanks to the countless helpful posts.

    I prefer posts related with Tax efficiency, Retirement and Investment growth.

  121. Uncle El on December 6, 2011 at 1:24 pm

    I would like to see financial diversification topics. Also tips on how to beat the living paycheck to paycheck syndrome. Thanks.

  122. Elliot on December 6, 2011 at 1:35 pm

    Wow, 5 years! Congratulations and keep up the great work. My favorite topics:
    – tax and money saving tips
    – ways to earn additional streams of income
    – reviews of different financial products (account, cards, etc.)

  123. Siobhan on December 6, 2011 at 1:57 pm

    Congratulation on 5 wonderful years. It’s always nice to read PF blogs from a Canadian perspective.

    My favourite personal finance topics are anything to do with small business and entrepreneurship. A close second would be anything specific to Canada.

  124. James on December 6, 2011 at 2:20 pm


  125. Jesse on December 6, 2011 at 2:58 pm

    Congrats on the 5 years.

    My favorite topic is investing (individual stocks and ETF).

  126. HyeProfile on December 6, 2011 at 3:53 pm

    Favorite topic is top credit cards in Canada (reading it makes the biggest difference, since Canadians spend most using credit cards)….

  127. My Own Advisor on December 6, 2011 at 4:38 pm

    A very happy blogiversary FrugalTrader!

    Your blog continues to be one of my favourite, for content and one I look up to!

    You also inspired me to start my own site!

    I’ve always enjoyed your SM articles. I enjoy reading how leverage can be used successfully to reach financial goals. I also enjoy reading your articles about new financial products, whether it be credit cards, mortgages or financial accounts. You can’t invest what you can’t save.

    Keep up the great work and I look forward to interacting with you for many more years!


  128. MB on December 6, 2011 at 5:48 pm

    Congrats, FT. Wish you many more years of successful blogging.


    PS: Favourite financial topic? Retirement.

  129. Doug on December 6, 2011 at 6:12 pm

    congrat – been reading since near the start.

    faviorite topics:smith manoever, and credit card/banking comparaisons

  130. Mark on December 6, 2011 at 6:26 pm


    My favourite topics are dividend stocks.

  131. Elbyron on December 6, 2011 at 7:37 pm

    I was curious to see what others here were most interested in, so I quickly counted up some common mentions. If people mentioned multiple topics, I included them all, so there’s been 161 votes so far (by my rough count), even though only 123 people have commented so far and not all of them mentioned a favourite topic.

    It seems that about 35% of votes were investment related. Most were just general things like “investment strategies”, but about a fifth of them were specifically interested in dividend investing (7.5% of total votes). Registered investments (RRSP, RESP, TFSA) were also mentioned frequently and make up 6.2% of the total votes.

    Next most popular are articles related to saving money, with 29%. On this topic, almost a third mentioned the credit card comparisons, making it the #1 specific topic (8.7% of total votes). Tax tips and budgeting/planning were also somewhat popular in this category.

    13% of the votes were for either FT’s personal updates (such as monthly Net Worth posts), or for personal stories from other readers, 6.8% and 6.2% respectively.

    8.1% of total votes were for Smith Manoeuvre articles, an impressive number that may prompt FT to try and find something new to write about on this topic.

    Other specifics deserving mention are Real Estate (3.7%), Retirement (3.1%), and Small Business (2.5%).

    Finally, a statistic that I find particular interesting is that only 1 person mentioned “finance books”. This is surprising given how many people try to win the book give-aways.

  132. ITS on December 6, 2011 at 7:41 pm

    Mazel Tov!

    I like learning about new frugal tips, and new financial tools.
    I also like to challenge some of the stuff that passes on as “advice” from some of your guest writers mostly… :-)

  133. Briana @ Prairie EcoThrifter on December 6, 2011 at 9:21 pm

    Congratulations on 5 years! I hope I can keep up with my blog for that long.

  134. Nicolas on December 6, 2011 at 11:48 pm

    Hurrah! 5 is a lot and you are just starting. Love the posts on the SM!

  135. Ed Rempel on December 7, 2011 at 1:06 am

    Way to go, FT! Being popular and current for 5 years is a great accomplishment.


  136. Lanette on December 7, 2011 at 2:15 am

    Congrats on the five-year mark! I would love to have some of the more basic investing topics covered, specifically with regard to ETFs.

  137. luc on December 7, 2011 at 6:25 am

    My favorite topic is how to save money on travel.

  138. Greg Togtema on December 7, 2011 at 11:27 am

    At least I can say I’ve been following for half of MDJ’s age. I had no idea it had been 5 years. Good job!

    Financial strategies like the Smith maneover and how to allocate TFSA / RRSP’s are interesting. Student / Recent graduate strategies are also good.

  139. Sarlock on December 7, 2011 at 12:24 pm

    Congrats on 5 years!
    Would love to see some analysis of early retirement strategies and what the pros and cons of potential systems of asset liquidation that can occur: how best to liquidate RRSPs, before/after 65, etc.

  140. Lisa on December 7, 2011 at 12:27 pm

    Love MDJ! Happy Anniversary & thanks for helping us all get in better financial shape! I love browsing your site, especially articles on being more frugal, debt reduction & saving!

  141. Tim on December 7, 2011 at 12:52 pm

    Way to make it to 5!
    My favourite investing topic is dividend stocks. I also like learning how to read/understand financial results and how to use that to determine which companies are good buys.

    Keep up the good work.

  142. joe on December 7, 2011 at 2:34 pm

    nice job with the article nice variety! ! !

    way to go !

  143. Marc on December 7, 2011 at 4:07 pm

    5 years wooohooo! I enjoy reading about investing and the stock market.

  144. Jonathan Goyette on December 7, 2011 at 4:43 pm


    Congrats on the blog. My favortie topic is passive investing!

  145. Erick on December 7, 2011 at 7:08 pm

    Congrats! Favorite topic…planning efficient drawdown from RRPS/TFSA/non-registered accounts during retirement.

  146. Sam on December 7, 2011 at 8:26 pm

    Learned a lot here. But my favourite topic is about tax saving. Thanks for the site!

  147. Doctor Stock on December 7, 2011 at 10:10 pm

    Congrats… I personally appreciate finance issues related to trading stocks myself… Good luck this year!

  148. Brandon on December 7, 2011 at 11:22 pm

    I dig investing articles focusing on investors in their early years

  149. Dave B on December 7, 2011 at 11:31 pm

    Congrats on 5 informative years! I enjoy the debt reduction aspects and appreciate all the hard work you’ve put in.

  150. Sammy on December 7, 2011 at 11:52 pm

    Congratulations on your 5th anniversary. I am interested in tax savings.

  151. mike on December 8, 2011 at 12:00 am

    I like the various different investment strategies such as the Smith Manouvre articles and info about options trading.

  152. Martin laniel on December 8, 2011 at 12:11 am

    A newly addicted MDJ fan!! Stock market’s my fav topic!

  153. Louise on December 8, 2011 at 8:27 am

    Congratulations on 5 years! I am interested in investing and money saving ideas.

  154. nora on December 8, 2011 at 11:45 am


    Would love to see series on a comparison on fictional portfolio (retirement or otherwise) and how it fares invested in different investment vehicles. Could be tracked monthly for a year or ongoing if it is proves interesting.

    Could incorporate rebalancing and perhaps monthly contributionsetc, things that we should do for our own investment portfolios.

  155. shammy on December 8, 2011 at 1:57 pm

    Congrats! Great site.

    I like the articles on the SM, updates on the credit card comparisons and tips on rental properties. Would love to see an article on tips and tricks for negotiating good mortgage rates with the banks.

    I’ll be the second to mention the finance books – would love to win one someday!

  156. On Demand on December 8, 2011 at 3:10 pm

    Congrats on 5 years. Hope more years to come..

    excellent source for financial information. highly recommend to those who seek solid foundation to build their financial future. I like all the topics here especially stock investing and money saving ideas. I am considering selling my FAZ for BCE after reading your articles..

    keep up the good work!!

  157. Chris on December 8, 2011 at 5:39 pm

    Love the site! I read every article via Google Reader :-)

  158. Danny on December 9, 2011 at 12:25 am

    My favourite topics are saving and investing money.

  159. Ringo Ip on December 9, 2011 at 10:26 am

    Congratulations. Keep on the good work.

  160. Aaron on December 9, 2011 at 10:41 am


    My favourite topic is tax deference by using a corporation.

  161. John Ruprecht on December 9, 2011 at 10:41 am

    Great job and congrats. The most interesting posts to me are about money saving tips.

  162. Bobby Aves on December 9, 2011 at 12:04 pm

    Happy Anniversary! Investing and money saving is my topics of choice!

  163. BI on December 9, 2011 at 12:47 pm

    congrats. my favorite topics were discount brokerage accounts and credit cards.

  164. Daniel on December 9, 2011 at 1:17 pm

    Woooohooooo~~happy anniversary!!!

    I’d like to find out more about building a house on your own vs. buying a house from the builder. As I’m currently thinking to buy a lot and build my dream house on it…. :D Also if possible can touch upon modular homes….

  165. Rose on December 9, 2011 at 1:19 pm

    Congratulations. When I come to your site i enjoy reading a variey of articles but mainly money saving tips and how others build their wealth. What do they do to get attain their goals. Keep up the great work!

  166. Will on December 9, 2011 at 1:29 pm

    Happy Anniversary and congratulations. I enjoy reading articles regarding the Smith Manoeuvre.

  167. DontFearTheBear on December 9, 2011 at 1:44 pm

    Congratulations on 5 Years! I have been a diligent reader for almost a year now and can honestly say; there is nothing else out there like this! Many have started and failed/given up, but MDJ keeps growing! It’s great! Keep up the great work! I would love to read more about fresh frugal living ideas, a lot of searches are always generating the same ideas! As well, I enjoy reading about great passive income or side income ideas! Thank you for all the great reads thus far!

  168. Mateo on December 9, 2011 at 1:44 pm

    Congratulations again! I’ve been following since the beginning. I enjoy the personal stories, consumer spending tips, and debt reduction topics the most.

    We will be debt free by next spring and are oh so stoked!!

  169. Suraj Ranavaya on December 9, 2011 at 2:01 pm

    Looking forward to more helpful tips on saving money.


  170. Brad on December 9, 2011 at 2:06 pm

    Thanks and congrats.

    I enjoy posts money saving tips and ETFs.

  171. AGB on December 9, 2011 at 2:21 pm

    Congrats on five years! Still catching up on all the useful articles to see what works for me. Thanks!

  172. Nathan on December 9, 2011 at 7:10 pm

    Congratulations on making it to 5 years! I tend to like articles on things like the Smith Manoeuvre as well as generalized investing discussions (like some of Ed Rempel’s articles), though I like your Net Worth updates as well as they’ve inspired me to start tracking my own.

    Good luck on the next 5!

  173. Brian on December 9, 2011 at 7:28 pm

    Congrats! Index investing

  174. Gene on December 9, 2011 at 8:16 pm

    Favourite Personal Finance topics: behavioural finance, investor psychology, economics

  175. MN on December 9, 2011 at 10:03 pm

    Favorite topic for me is investing strategies.

  176. joe on December 9, 2011 at 11:33 pm

    tfsa would be the top of my list

    thanks again for the 5 years

  177. Jolayn on December 10, 2011 at 1:48 am

    Congrats! Debt reduction and investment strategies are interesting to me.

  178. DANE PRAED on December 10, 2011 at 2:13 am

    Congrats on the anniversary!! As for topics, having just paid off our mortgage and dropped down to part-time, we’re all about more info on simplicity lifestyles!!

  179. Dopplegangerr on December 10, 2011 at 7:18 am

    I like the investing strategies articles

  180. Judy on December 10, 2011 at 7:33 am

    Congrats on your anniversary! I love reading your blog.

    I like reading personal finance stories (rags to riches kind of stuff), and since I invest mainly in GIC’s and HISA’s (I know, I know, not what most people here are into) I like to hear about where the best rates are, etc. GIC ladders, etc.

  181. Ron on December 10, 2011 at 7:39 am

    happy anniversary!

    more content on investing in dividends stock please.

  182. Erin on December 10, 2011 at 11:13 am

    I’m interested in reading about savings in RRSPs vs TFSAs. The Wealthy Barber Returns recently made me look at TFSAs in a new light.

  183. Ron on December 10, 2011 at 3:08 pm


    My favourite topics are Dividend Investing, Interesting Links and Deals and Bargains

  184. Donna on December 11, 2011 at 12:05 am

    Happy Anniversary! Love your tips on saving money with a new baby!

  185. michael on December 11, 2011 at 3:06 am

    happy anniversary! As a recent university graduate I really enjoyed your posts on how your tips for paying off debt as well as investing strategies

  186. Leigh on December 11, 2011 at 2:12 pm

    Happy Anniversary! My favorite topics are your personal money stories where you talk about how you guys are doing with your finances and your net worth updates :)

  187. Jon on December 11, 2011 at 11:17 pm

    Happy 5 years! Thanks for all the tips, especially those about index investing and rewards cards!

  188. victor g. on December 11, 2011 at 11:24 pm

    And to think, I probably have most of them stored in my computer memories for reference when needed! How valuable is that? Very!

  189. Meghan B. on December 11, 2011 at 11:25 pm

    I’m interested in investment strategies and also tips for saving money.

  190. Richard on December 12, 2011 at 12:41 am

    It’s generous work that you do – many thanks. And more on the complications of retirement financing would be great.

  191. cc on December 12, 2011 at 8:11 am

    Congrats on 5 years of fantastic blogging

  192. Maybe Later on December 12, 2011 at 9:16 am

    I’ve always enjoyed the personal post where you explain your thoughts on how specific decisions relate to your goals. I’d like to hear more of these as your kids get older and life gets busy.

  193. Phil S on December 12, 2011 at 10:23 am

    I’m always interested in RESP, TFSA, and RRSP discussions but money saving tips are best, of course.

    Congrats on 5 years.

  194. youngandthrifty on December 12, 2011 at 6:28 pm

    Five years! That’s amazing. I think I’ve been a follower of MDJ from its very start (or maybe at lest 4 years anyways).

    Congratulations on your astounding and continued success.

    I love all your posts (and love the variety), and I agree with MUM, some articles on your blogging journey would be great.

  195. J on December 13, 2011 at 4:50 pm

    Dividend Investing!

    A great achievement! Congrats!

  196. Quicken Canada on December 14, 2011 at 4:40 pm

    Congratulations on 5 years of success! Best wishes for many more years of the same.

  197. Matt Simms on December 14, 2011 at 5:54 pm

    5 years – w00t.

  198. jusebastien on December 15, 2011 at 11:17 am

    Thank you for those five years.

    Favorite topic: real estate investing.

  199. Finance_Addict on December 15, 2011 at 12:41 pm

    Good Job!

    Favorite Topic. Net Worth updates

  200. kasmca on December 16, 2011 at 12:39 pm

    Congrats! my fav topic is retirement planning – specifically early retirement!

  201. Dee on December 17, 2011 at 1:31 pm

    Time just flies, doesn’t it? I like personal stories/case studies, comparisons (i.e. invest in TFSA or RRSP?, things like that), practical how tos for financial products (you’ve decided you want to invest in some Tim Hortons stock, now how do you go about buying the stock?), explanations of financial terms, all sorts of things… while I’m interested in stocks and investing, I really like a personal spin on those topics, otherwise they tend to get really dry.

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