Here are some of the posts published last month that generated some interesting discussions:

  1. Bucking the conventional wisdom on a fixed-rate mortgage: With bond yields increasing of late, the window on the historically narrow gap that we saw last month between fixed-rate and variable-rate mortgages may be shutting fast. The gap has already increased to 1.04% from the 0.70% we observed last month and a lot of readers concurred with Ben’s opinion that it may be one of those rare occasions when fixed-rate mortgage might be the way to go.
  2. Portfolio Size for Choosing ETFs over Index Funds: My conclusion that ETFs are suitable for larger portfolios and mutual funds for smaller ones came in for some discussion and others felt that under certain circumstances, ETFs can be cheaper for smaller portfolios as well.
  3. When Gurus Gather…: It is interesting to recall the fate of past prognosticators in the context of a gathering of three bears in a Toronto event.
  4. Mortgage Insurance versus Life Insurance: Financial Highway’s Ray showed why mortgage insurance is a lousy idea for homeowners.
  5. Claymore Broad Emerging Markets ETF (CWO): CWO seemed to be an interesting ETF until readers pointed out a few issues that made it not so attractive anymore.

I’d also like to thank our top five referrers:

  1. Million Dollar Journey
  2. Four Pillars
  3. Canadian Mortgage Trends
  4. Michael James on Money
  5. Canadian Dream: Free at 45

Giveaway:

Since I liked When Markets Collide (read review here), I asked the publisher McGraw-Hill if they’d be willing to provide some copies for our readers. They have generously agreed to provide six copies of Mohamed El-Erian’s book for a giveaway. But wait, there’s more! Margot Bai, the author of Spend Smarter, Save Bigger (read review here) is donating one copy of her book for the giveaway. So, altogether we are giving away seven books and entering is, as always, super easy:

Just leave any comment to this post before Tuesday, May 19, 2009 at 8:00 P.M. EDT and I’ll pick seven names at random from all entries. I would really appreciate it if you subscribe to the blog in your favourite RSS reader or e-mail but it is optional. One entry per person per e-mail id. If you receive this post via e-mail, click on the heading to visit the website, scroll down to the end of the page, type in your comment under “Leave a Comment” and click “Submit”. Good luck!

This article has 152 comments

  1. Count me in!

  2. Thanks again for having these awesome contests.
    Cheers!

  3. Having a monthly summary like this is a great idea! It’s so easy to miss a good post…

  4. I feel it this time… keep the contests coming!

  5. Thank you.

  6. Great, thought-provoking set of links.

    However, regarding the first point — the studies in the article find that VRM is better between 77.1 and 90.1% of the time. It seems like a 0-sum game to me (but perhaps I’ve missed something), so doesn’t that imply that FRM is better between 9.9 and 22.9% of the time?

    I’m not sure of the quantitative value of ‘rare’, but to me, it would be something that is much less than 1%.

    Perhaps its not a 0-sum game — do the studies account for blended mortgages?

  7. Another contest… perhaps this time!

  8. the best financial advice – not just FREE STUFF, but FREE STUFF with value! Keep up the great work!!

  9. Thanks for the link! Glad to send some traffic.

    I don’t want the books – already have them both.

  10. Thank you.

  11. Please add me to the contest!
    Thanks for the great blog—always very interesting!

  12. sign me up!

  13. I don’t know how you keep up this pace of adding content, but keep it up!

  14. Would love a book, thanks!

  15. I am now a subscriber. And soon, a book winner!

  16. Wow, great giveaways. Sign me up!

  17. Count me in! Thanks!

  18. Really interested in “When Markets Collide”

  19. Great giveaway! Spend Smarter, Save Bigger is a very good book!

  20. Carlos Betancourt

    Great blog, continue with your pots

  21. I am in! Thank you.

  22. Leading Edge Boomer

    Interesting blog as usual–Please enter me in the book contests.

    Mike

  23. From a new investor – I really appreciate your posts and ideas.
    The book would be a tremendous bonus to help in this new journey I have started.
    Thanks for the opportunity!

  24. Regular visitor. Thanks!

  25. Keep up the good work.

  26. Thanks for the blog!

  27. Here we go again, my fingers are crossed!

  28. Hoping for the book! Out of curiousity…I’m subscribed via RSS….do you prefer that people view the website, or are RSS/email subscribers good for you as well? How does it affect your ad revenue?

  29. Love the blog and I do subscribe!

  30. Love your blog and would love a book. Thx.

  31. Market Collide looks like a great read.

  32. great offer, please include me in the draw

  33. Thank you!!! Count me in

  34. I wanna win!

  35. Count me in on that give away, great odds.

  36. Comment!

  37. Add me on.

    I find the hedging question interesting. Should I also hold investments OUTSIDE of RRSPs and TFSAs in the Vanguard ETF’s or are there a few more tax implications that make the Claymore ETF’s more attractive even though the MER is higher?

  38. Me too 🙂

  39. I want the book!!!

  40. Sign me up!
    Thanks.

  41. i like free books

  42. It’s just that I never won anything before.

  43. Good article about life insurance vs mortgage insurance

  44. I’m interested

  45. Best. Blog. Evar.

  46. New reader here. Great content… and free stuff!?! Awesome!

  47. Thanks!

  48. Count me in!

  49. Me too please!

  50. Love your money blog. I would love one of these books.

  51. Please include me in the draw. Love your blog, it’s on my iGoogle page, along with a few other PF ones.

  52. Count me in. thanks, love the blog… I’ve got to win one of these times!

  53. Sign me up!

  54. Thanks for the blog.

  55. Thanks!

  56. Thanks!

  57. i would love to get a copy of either book

  58. would like a read for the summer

  59. Add me to the draw please 🙂

  60. Yes please.

  61. Thanks for all the great posts.

  62. Thanks for the great info. Enter me please.

  63. Add me also. Thank you.

  64. I would love to enter.

  65. Already subscribed via RSS. Great blog, and love the periodic giveaways.

  66. Constant reader, love the site.

  67. gimme gimme gimme!

  68. Thanks for the giveaway.

  69. Please enter me into the contest. Thank you.

  70. i’d love to learn how to spend smarter

  71. telefantastik

    count me in. thanks!!

  72. You have a great website, and I would love to read a book by one of the big brains at PIMCO. Thanks for the offer!

  73. I would appreciate it if you pick me 🙂

  74. Enter my name please

  75. Pingback: Our World-Beating Mutual Fund Fees | Canadian Capitalist

  76. John Monteiro

    Count me in, this is a great selection of books!

  77. I would love to be entered in the draw. Thank you!

  78. I’m in, thanks!

  79. Thanks!

  80. I’m in, thanks!

  81. Hello. Advice, AND book give-away!

    You absolutely rock.

  82. Sounds great, pleae count me in!

  83. Woohoo…books books and more books!

  84. I’m almost done the “Intelligent Investor”, a new book would be good!

  85. Cash Instinct

    Thanks for the giveaway

  86. Quick Lunar Cop

    Free books? Count me in! 😉

  87. Keep up the great work with the blog. I love having the Canadian perspective on financial matters.
    (And thanks for the giveaway!)

  88. I’m with you too….

  89. I stumbled upon your blog recently and now I’m frantically trying to keep up with everything you’ve posted. To make it worse, your site has linke me to various others like Million Dollar Journey. I never thought there were so many obsessive personal finance people in Canada! Any now you’re giving away books! Keep up the good work.

  90. count me in, thanks.

  91. Please include me too. Thanks for all your hard work CC!

  92. Mmm.. free books

  93. Thanks for this great blog…

  94. Me too please.

  95. Pingback: A flat-tax sounds good, but who pays for services? | Canadian Capitalist

  96. I’m in to win!

  97. keep up the good (and very interesting) work.

  98. Thanks for another contest!

  99. Please count me in… Thanks as always for the great information and discussion.

  100. pick me 🙂

  101. love your post. Count me in on the book giveaway.

  102. trying my luck…

  103. I like books =;)

  104. I’m in…keep up the great posts!

  105. Thanks! Keep up the great posts!

  106. If it’s free….

  107. Please count me in. Thanks.

  108. I am new to the site. So much to read. Keeping up with the anagrams is a challenge!
    ‘Pick me, pick me’!

  109. Woot I want in too!

  110. Please include me in the draw

  111. Count me in for the draw too. Love reading your blog entries…

  112. Great Web Site…

  113. A book to read on the next long weekend.
    Thanks.

  114. Pingback: This and That: The Age of Frugality | Canadian Capitalist

  115. Count me in. Thanks

  116. Great comments on the use of ETF’s vs. Index and Mutual funds. I think we’re all in for a major shift towards less “active” fund management given the poor returns and high MER’s of many funds.
    Please enter me for the El-Erian book draw.
    Best, DRG>

  117. enjoy the blog. please include me in the draw.

  118. I’m up for willing a free book.

  119. I’d love a copy of the book.

  120. This is an amazing giveaway and I would love it if you would enter my name. Thanks!

  121. Michael Bhadauria

    Thanks for this giveaway. Keep up the good work, as I thoroughly enjoy your insight

  122. Keep them coming!! 🙂

  123. I’m in!

  124. please include me in the draw.

    Thanks

  125. always enjoyable reading, keep up the great blog.

    James

  126. Im in! Thx for this opportunity!

  127. good books always worth a try.

  128. I enjoy reading your blog. Keep up the good work

  129. I do like the blog. I think it is the financial blog that I read most often.

  130. Free books are nice.

  131. count me in

  132. Booking here for a book… 🙂

  133. Great Blog, Great giveaway!

  134. Proud to be #142

  135. Pingback: Steadyhand Mutual Funds | Canadian Capitalist

  136. Count me in. Twice. 🙂

  137. 145 is the lucky #!

  138. Thanks for the giveaway and your blog.

  139. Cant turn down free books!

  140. Sounds like an interesting read.. count me in!

  141. Ibrahim "Gaby" Abed

    Regarding ETF’s vs Funds, I definitely think when starting out, one should go with funds. However, I’m also beginning the Core/Satellite approach to diversification where you set up your asset allocation based on your style (in my case going with 30% U.S., 30% Intl., 20% Canadian, and 20% Cash/Bonds/”Safe” mix) However, I’ll also add satellites to each core. So let’s say I am subscribed to the TD Asian Growth I-Series for the core part of International, I may add a Latin American stock (or high growth ETF) as a satellite. I am determined to avoid correlation as much as possible when I do so.

  142. Thanks for all the tips!

    Am I #150?

  143. Found this blog as when I was searching for other information about ING mutual funds. I now read this blog everyday. Thank you.

    I like free books too!

  144. Canadian Capitalist

    The giveaway is now closed. I’ll pick the winners at random shortly.