Hi, my name is Frugal in case you missed it. To me, a name is just some letters put together. A meaningful name is much better than a name with just letters.

Before I proceed, please note that on this site, you can read the articles written by my partner ML, as well as articles by guest writers on a regular basis or through special invitations.

Message to bloggers: If you want to trackback, just add /trackback/ to the end of the article URL. If you want to exchange links with me on your blog, please email me. If you have added my site to yours, just let me know, and I will add yours too. I am doing My Digg for the Week, for the benefits of all links that I have exchanged. I may create a special categorized link page in the future for all the links, if my blogroll gets too long. In that case, I will still randomly select as many links as possible to put them at my home page. I do reserve the right to decline your request or remove the link when you don’t fulfill my following criteria. My criteria is that your blog must get updated at least twice a week, and also 2 months old.

FOR READERS: For any feedbacks, issues, comments or anything related to my website, please contact me at

1stMillionAt33$gmail.com

Replacing $ sign by @ to email me (this is to prevent spams). Any individual questions please try to post them to the comment sections first in a related post (unless you can’t find such post). I will always reply to your email (until I’m overwhelmed). But I strongly prefer you to post your questions/comments to the comment section of the post. You can have complete privacy by using a nick name. And it helps me tremendously by not needing to answer the same question twice, while at the same time improve the content on the website. By the way, if your comment does not appear immediately, it could be caught by the spamming filter, in which case, it needs a day or two before it appears.

By the way, my partner ML can be contacted at

investmiddleway$gmail.com

Also replace the $ sign by @.

By the way, I am not an expert in everything. I am certainly not always correct in everything that I write here. But I always say what I believe to be true. At times, I may simply want to sound confident, but in no way, I mean to be sound arrogant or know-it-all. Please don’t take it the wrong way. When I’m incorrect, I like your constructive criticism with backed by facts & pointers for me to research further. Many times, I learn a lot of things from the readers through their comments. At times, it may be just difference in opinions between you and me, and I fully respect your positions. If I do find that I’m not correct, I will NOT hesitate to flip my positions & statements. There is never a “my side” or “your side”, but the (more) correct side which I hope to rest my opinions at. I hope by maintaining this site, it will give me and you a space for healthy and helpful discussion on the journey to wealth.

I GREATLY thank you in advance for your feedback. I just started blogging since the beginning of April 2006, and I will strive to improve the aesthetic look and the content of my site. It is my goal to make the website informative and useful for you. If you have any issues running any of the finance tools, or questions about how to fill in some of the blanks, or how I do my calculations, please feel free to contact me. I will soon put a FAQ or more details about everything that you need to fill or need to know on those calculators.

Thanks again for the visit.