The Smith Manoeuvre Resource

Over the past year so, MDJ has posted many articles on the topic of using a HELOC to invest in equities aka: The Smith Manoeuvre. As I’ve been receiving quite a number of emails regarding the Smith Manoeuvre lately, this article compiles all the posts into a single Smith Manoeuvre Resource. Hopefully, you’ll find it […]

Goodbye Robin

Sometimes is it worthwhile to take a break from person finance. There are so many wonderful things in this universe and it’s quite possible that money is the most boring of all them. As everyone knows by now,

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How to Find Class Action Settlements That Owe You Money

Do you ever read through some of the Class Action notices you get in the mail? Many times if you fill out the forms, you’re entitled to a cash settlement. However, there are more settlements out there than just the ones that have to mail you a form. We’re featuring class action settlements as our [...]

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Questions to Ask Your Landlord Before You Sign the Lease

If you’re going to be renting an apartment or home, it isn’t something to just jump into. Before signing the lease, there are many things you need to learn about your potential home that can impact your finances along with your quality of life. Here are questions to ask your landlord before signing the lease: [...]

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Thoughts on Raising a Tennis Star

I just realized that title is really confusing. My oldest child isn’t even two. (Not to mention that his parents admit to not being athletically gifted.) I’m referring to another article in the August 2014 issue of Money Magazine. It’s a slightly differently worded version by the same author of What It Costs to Raise […]

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5 Surprising Things Your Homeowner’s Insurance Won’t Cover

To be quite honest, I never used to know what our homeowner’s insurance actually covered. We were in the midst of buying our first home in 2009, and I only knew that I had to have it. Because of the time crunch (once we had found the home we wanted), we did not even take [...]

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To Sell or Rent a Home?

By the end of this month, you’ll likely conclude that I get a lot of mileage out of Money Magazine. Today, I want to highlight a question from their Ask The Expert column from their August 2014 issue. Specifically the question is here: I greatly respect Brandon Turner of Bigger Pockets and the community of […]

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Traveling Overseas? Check out these Health-related Tips!

Overseas travel is a favorite pastime and/or goal for many people. Travel can provide a new experience through the chance to see great landscapes and monuments and meet new people and learn their culture, not to mention temporary relief from the monotony of everyday life. However, it is vital that a traveler stays healthy to […]

Tiny House Nation – The Best Show You Aren’t Watching

Back in September of 2007 when people blogged on stone slates, I wrote an article, Get Rich by Thinking Small, that covers the idea how living in a very tiny house could jump start you to financial freedom. The idea is that living small has fewer expenses. You don’t require as much land. It has […]

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End of Summer Checklist for the College Bound

The first summer after high school and on your way to college is definitely one to remember. You can look back at your high school years – either fondly or just happy to be done with them, while also being excited about college and everything that lies ahead. While you’ve probably focused on having a [...]

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4 Questions to Ask Yourself When Choosing a Career Path

Your career is likely to take up a large amount of time. A “traditional” job often accounts for eight hours of your day, which means that you spend up to 1/3 of your life with your career. When you think about how much time you spend with your career, it makes sense to consider a […]

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Lifestyle Inflation Cure: Real Estate Investing

A couple of weeks ago, when I wrote about Approaching a Net Worth Milestone, I got a great comment by Big-D: “I find that as I hit milestones, and surpassed them, they meant not as much to me as I thought they would. The issue with Net Worth is that it is kind of like […]

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4 Purchases That Cost You More Than You Think

How do you determine you are going to make a purchase? Do you simply look at the price? Maybe you compare the price to other stores or patiently wait until an item goes on sale. No matter what great of a deal you find or what kind of bargain you are getting, there is one [...]

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Is Nerium a Scam?

Welcome to another MLM Friday. One of these days, I’m going to slip in some of my typical personal finance content just to keep you on your toes. People have been asking me about Nerium since November of 2011. Specifically Jeff Flanzer of Ojai, CA wrote me as he became a distributor citing the integrity […]

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Santander $20/Month Bonus

Santander is offering you a bonus of $20 per month when you use their direct deposit and bill pay features on a Santander checking and savings account. It’s Free Money Friday and the Santander offer is easy since you can automate it and it will keep repeating! How to Get Your $20 per Month Sign [...]

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10 Summer Memories to Make Without Leaving the Comfort of Your Home

The funny thing about memories is that you don’t need to spend lots of money or go to lots of far places to make them. In fact, some of the best memories can be made right in your own backyard! The most important thing is to be fully engaged in any activity that you pursue, [...]

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Net Worth and College Savings

A couple of weeks ago, I put out an article explaining that our family was approaching a net worth milestone. My key takeaway, was that it was just a number, like any other number. One commenter mentioned how he had a similar situation, but most of his money was in the form of real estate […]

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12 Ways to Save On Back To School Supplies For Kids

Back to school can come as a relief to some parents who are exhausted from an eventful summer. But on the other hand, back to school means an extra cost for stocking up on supplies and clothes for the next year. This expense may not come at the best time since it seems like you’re [...]

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Invest in Russian ETFs Now?

Last week, Twitter stock was up 25% after announcing some very impressive quarterly earnings. I had been buying Twitter since the start of May. Thanks to the awesome power of dollar cost averaging, I was about break-even on the day before the earnings announcement. I sold 40% of my shares covering almost 70% of my […]

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How to Become a Billionaire

A reader recently wrote in wanting to know how to become a billionaire. There is no set path to becoming a billionaire. If there was, you can be certain that I would have majored in it in college along with everyone else. Realize from the start that odds are against you becoming a billionaire. I [...]

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Today’s Lesson: Take a Guaranteed 20+% Return

Last week, I got a haircut. Nothing exciting there… many people do that on a typical day. Sometimes there are very interesting personal finance lessons hiding in the most mundane activities. This was one such case. I noticed that place I get my haircut, Supercuts was running a promotion: 4 haircuts for $50 via a […]

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How to Sell Yourself Without Sounding Like a Braggart

One of the biggest problems I have in my freelance career is selling myself. First of all, I have a problem with impostor syndrome. But the other issue is that I’m unsure of how to talk myself up without sounding like an arrogant braggart. No one likes a braggart, but, at the same time, when […]

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How to Have Fun with Food and Save Money Too

I’m sure you have heard that old line, “Don’t play with your food.” As much as parents may often try to get their kids to stop playing with the foods on their plates and just eat, the kids somewhat have it right. Food is fun, and eating can be a really enjoyable fun experience. Many [...]

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Invest in Yourself?

This is a phrase that I’ve heard a few times over the past few weeks. It comes in different forms, but that’s what it essentially amounts to. Perhaps not so surprisingly, it has come from people with a vested interest in making that “investment.” It’s made me think, are these investments really worthwhile? Over the […]

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Smith Manoeuvre/Dividend Portfolio – Q2 2014 Update

For those of you just joining us, listed below is my portfolio that is leveraged with money borrowed from my home equity line of credit (HELOC). As the money borrowed is used to invest, the interest charged is tax deductible. I started this portfolio in 2008 (at the height of the market) and write updates every […]

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