Our Financial Path.

Live a Better Life with Knowledge and Financial Independence

Maximize your Home and Happiness

Estimated Reading Time: 6 minutes


In some cities across America and in most of Canada, our generation is having a really hard time finding affordable housing. Rents have gone up faster than wages and housing prices have risen even faster with the advent of low-interest rates and the overflow of foreign buyers. In Canada, for example, the average house price has not dropped in the housing crash that the U.S.
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Budgeting: Your Call to Action

Estimated Reading Time: 3 minutes


 

This post comes from Jacob Merkley who blogs over at PowerOverLife.

 

On May 25, 1961, President Kennedy spoke to Congress about space exploration. He called for “longer strides” when it came to winning the race to space. He also said, “I believe that this nation should commit itself to achieving the goal, before this decade is out, of landing a man on the moon and returning him safely to earth” (Nasa.gov).
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How To Invest In Uncertain Times

Estimated Reading Time: 7 minutes


 

This post comes from Jon, who blogs over at PennyThots. There he talks about all things financial and tries to help readers improve their finances one day at a time.

 

We have never been in a period of more uncertainty. We just experienced an election where the result surprised most people. Had you told someone two years ago that Donald Trump would be President, they would have thought you were crazy.
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Travelling Through Italy Frugally

Estimated Reading Time: 10 minutes


In July 2015, we travelled to Italy for a conference held in Turin. Fortunately, Mrs. Xyz travelled for free since it was for her work so we only had to pay for my ticket.

We usually use our business travels as an opportunity to extend our stay and cut vacation expenses. This time around, we extended a 5-day business trip to Turin into an 11-day trek around northern Italy!
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Should I Change My Asset Allocation?

Estimated Reading Time: 6 minutes


Today I have been reading a bit on approaches Financial Planners are taking when advising their clients. I was surprised to learn that most planners are now advising to shift investment strategies towards U.S. equities and bonds have deeply fallen out of favor. In the chart below, you will notice how U.S. equities recently saw a large influx of cash after the elections.
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Open Book – How Much Are You Spending

Estimated Reading Time: 7 minutes


 

This is part of our Open Book series, you can start here if you did not read my first post.

 

With today’s online tools like Mint or Personal Capital, it is super simple to track a budget and hopefully, to follow it. We have been tracking our finances for a few years now and our most recent focus is our savings rate.
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Travelling Through South-East Asia on a Budget

Estimated Reading Time: 8 minutes


Way back in 2009, before I had met my wife and way before I discovered the early retirement concept, my parents took us (me and my sisters) to a long trip in South-East Asia. During this trip, we travelled through Japan, Thailand, Cambodia, Myanmar, and Laos, flying through continents, walking trough borders, and backpacking across mountain ranges. 
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Here is the Ideal Portfolio to Survive the Trump Presidency

Estimated Reading Time: 7 minutes


Donald Trump just won the American presidency. Will that change anything?

All through his presidential campaign, he boasted his ideologies and, very openly, tweeted his thoughts away. He seems to be liked by some given his recent win. However, his win has not changed much in the markets . On November the 9th, when Trump won, the S&P500 closed up 23.62 (1.10% ) and the TSX closed up 99.49 (0.68%) up here in Canada.
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You Need to Consider This Before Travelling Overseas

Estimated Reading Time: 7 minutes


Me and Mrs. Xyz are always dreaming up some exotic place to live once we hit our big number and retire. We use tools like the Expatistan interactive map to estimate the cost of living overseas and budget our retirement expenses. Living outside of North America allows you to stretch your dollar and increase your standard of living, depending on where you chose to live.


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Open Book – Married Life and New Investments

Estimated Reading Time: 8 minutes


 

This is part of our Open Book series, you can start here if you did not read my first post.

 

A few things changed since we got married last month. One thing you might have noticed is that my blog has changed to OurFinancialPath.com, now including my lovely wife in the journey.
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