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Articles by FrugalTrader

Net Worth Update August 2016 – Karl the Real Estate Agent (+27.02%)

Welcome to the Million Dollar Journey August 2016 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after my million dollar net worth milestone was achieved in June 2014. Karl the Real Estate Agent was selected as a team member and […]


Reader Mail: I have $1M+ Net Worth – What’s Next?

Here is an email from an MDJ reader who has achieved financial success, but is asking for advice on what to do next. He is relatively young with a professional career, and has crossed the $1M in net worth. My current financial situation is similar to yours, albeit I’m a little older at 42. I […]


How We Save Money on Vacations

Since having children, our family has put travel and vacationing on the priority list.  Although travel is important to us, we consider it a luxury that we save for after taking care of other financial priorities like maxing out our RESPs, TFSAs and RRSPs. As a result, there have been a couple of years where we have skipped a more […]


Why I Don’t DRIP my Leveraged Smith Manoeuvre Portfolio

The Smith Manoeuvre questions keep coming in. For those of you new to the Smith Manoeuvre, it’s essentially a leveraged investing strategy where you obtain the capital by borrowing against your house. You can read all about it here. Sounds risky? I’m not going to sugar coat it, the strategy is certainly risky. Borrowing to […]


Dividend Kings List – Companies with Annual Dividend Increases for Over 50 Years!

Dividend growth investing may not be for everyone, but I am a fan.  I like the idea of receiving tax efficient payments from long established companies with an established track record of annually increasing their payments to shareholders.  While I also believe in the merits of passive index investing, I also enjoy the active nature […]


Net Worth Update July 2016 – Nobleea the Oil and Gas Engineer (+8.38%)

Welcome to the Million Dollar Journey February 2016 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Nobleea – the Oil and Gas Engineer, was selected as a team […]


Annuities, Student Loans, Automatic Withdrawals, Pursuing Happiness and more!

Freebie of the week The last freebie was receiving $50 by signing up for a no annual fee PC Financial World Elite Card (3% cash back towards Loblaws purchases). This time around is $100 cash to sign up for the 2% cash back MBNA World Elite MasterCard (straight up 2% cash back, no tiers), which I consider […]


Smith Manoeuvre Questions – Capitalizing the Interest and Tax Deductibility

It’s been a while since I’ve written about the Canadian version of a tax deductible mortgage, also known as The Smith Manoeuvre. Yes, you read right, a tax deductible mortgage for Canadians, but it’s probably not exactly as you imagine. I’ve written a lot about the Smith Manoeuvre over the years, you can find the […]


My Favorite Personal Finance Apps

I reader recently asked me a question that I’ve never considered writing about before – “FT, what apps do you use?” At first, it threw me off guard as it’s almost a personal question in a strange kind of way. But I can see how some may be curious on what apps a money-centric blogger […]


Brexit, CPP Expansion and Free Credit Scores

PC Financial World Elite MasterCard $50 Freebie Recently, I wrote about how the PC Financial World Elite MasterCard is perhaps the best no annual fee grocery credit card out there.  It offers 3% cash back when shopping at Loblaws group of stores  (Loblaws, Dominion in NL, Real Canadian Super Store, No Frills, PC Mobile, and Shoppers […]