Our Financial Path.

Live a Better Life with Knowledge and Financial Independence

Category: Financial Independence (page 2 of 3)

Dude, Where’s my Returns?

In recent years, bond yields have gone from the Good, the Bad, and the Ugly. In most of Europe and Japan, negative yields have been introduced and bonds are now in an unforeseen territory. There is now over $11.7 TRILLION dollars worth of bonds with negative yields out there and, surprisingly, there is always buyers for them.

To get this straight, you would now need to pay someone to lend them your money.
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Interview with Gwen from Fiery Millennials

Today we have an interview with Gwen from Fiery Millennials. This is the first time we made an interview but we’re hoping you learn a little from it and enjoy it as much as we did.

 

Who are you and what do you do? What is your story? Where did you start, where in the journey are you, and where do you ultimately want to end up?


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Maximize Home and Happiness

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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Travelling Through Italy Frugally

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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Consider This Before Travelling Overseas

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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We Just Got Married!

You might have noticed that I did not post anything yet this September. Well, it is because I was busy getting married! 🙂 We had a wonderful celebration in a nice golf club near our house and I don’t regret a single second of it!

Want it or not, marriage has a lot to do with personal finances and financial independence.
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From $75,000 in Debt to Millionaire

I read a lot of personal finance blogs and publications but one thing strikes me; there are so many writers that are telling their heroic stories about how they got out of debt. Guys like Grayson Bell from Debt Roundup is seen like a superhero when he gets out of $75,000  of consumer debt in 4 years.

I am all for getting out of debt and sites like Grayson’s does help thousands of people get out of the debt trap but there is nothing heroic about getting into debt in the first place.
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I Join the Million Dollar Club

Today, I decided I would join J.Money‘s Million Dollar Club.  The purpose of the club is to commit to a list of habits and plans to bring you to the first million. Since your chances of success increase dramatically when you surround yourself with like-minded people, I decided to join the challenge. I already mentioned that I wanted to retire by age 35 but now I am publicly committing to it, I will be a millionaire by age 35.
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