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Freedom 35 Blog
Early Retirement, Millennial
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Vancouver, British Columbia, Canada
Life stage:
SINK (Single Income, No Kids)
IT / Graphic Designer
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Latest Blog Posts

Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) What is a Blockchain? A blockchain is basically a digital and decentralized ledger that can record virtually any type of transaction between 2 parties in an efficient, verifiable, permanent, and secure way. The first blockchain was conceptualised by Satoshi Nakamoto in 2008 and implemented in 2009 as a core component of the digital currency Bitcoin, where it serves as the public ledger for all transactions. Since ...
Posted: Sep 18 2017 @ 10:30 AM
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) Median Income Grows to $70,336 The results from last year’s national census about family incomes have been released. Below is a table showing how much we all made in 2015. Overall the median national income was $70,336. This means half of Canadians made more than this number, and the other half made less. Atlantic provinces and Quebec saw the lowest median incomes for some reason. There seems ...
Posted: Sep 15 2017 @ 10:30 AM
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) After the FED raised interest rates in the U.S., the Bank of Canada did the same. In July the central bank increased rates by 0.25%. This means the Prime lending rate at banks is now 0.25% more expensive for borrowers. What does this mean for Canadians in debt? It means we should reduce our debt balances to normalize our interest expenses and keep our debt load ...
Posted: Sep 05 2017 @ 10:30 AM
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) There’s a general rule of thumb that says if you retire you can safely withdrawal up to 4% of your nest egg every year without it running out before you kick the bucket. Financial advisor Bill Bengen, now retired, came up with this guideline after testing a variety of withdrawal rates using historical rates of returns for stocks and bonds. He published a study in ...
Posted: Aug 31 2017 @ 10:30 AM
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) Holding some cash for emergencies or opportunities is a sound idea. But having too much cash sitting around instead of putting the money into investments can be financially unwise. Like most things in life, there is a cost component to cash – which is that cash usually produces lower returns than other asset classes such as stocks or bonds. One advantage of holding cash is to ...
Posted: Aug 17 2017 @ 10:30 AM
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) It seems like every month the stock market is reaching new highs. Stock investors like myself have benefited greatly from the second longest bull run in history. But it’s becoming very difficult to find value in traditional asset classes such as stocks, bonds, and real estate. So I’ve been looking at cryptocurrencies recently. As with any potential asset class my goal is to measure the ...
Posted: Aug 10 2017 @ 6:30 PM
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) It was a slow month in July. But  at least I’m back in the black. Household expenses were pretty normal, but incomes were above average; I received $800 of interest payments from a variety of loans such as P2P lending contracts and mortgage investment corporation funds. Yay! Liquid’s Financial Update *Side Incomes: Part-Time = $1100 Freelance = $700 Dividends = $800 Interest = $800 *Discretionary Spending: Fun = $300 Debt Interest = $1100 *Net Worth: (ΔMoM) Assets: = $1,111,700 total (-2,000) Cash ...
Posted: Aug 08 2017 @ 10:30 AM
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) One of the best thing we can do with our incomes is to deploy it as efficiently as possible. This means spending money on the highest priorities before paying for less important things. In 2015 I created a priorities list detailing how to spend one’s income to maximize financial success. The last time I updated that was chart was last year. I recently came across another flowchart on ...
Posted: Jul 31 2017 @ 10:30 AM
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) A recent poll from Harvard University points out that 51% of young adults between 18 and 29 years of age do not support capitalism. Only 42% said they supported it. Of course the results of these kinds of surveys are not easy to interpret. Capitalism doesn’t have the same meaning for everyone. One explanation for the outcome could stem from the fact that not ...
Posted: Jul 27 2017 @ 7:30 AM
Contents from freedom 35 blog. (www.freedomthirtyfiveblog.com) Lending Loop Update Earlier this year I blogged about investing $20,000 in a peer-to-peer lending platform called Lending Loop. My goal was to make 8% return overall, net of fees and write-offs. To be frank I was a little apprehensive at first when I learned about the high interest rates. I wondered if it was really possible to earn 15% or higher rates of return consistently. Being ...
Posted: Jul 13 2017 @ 10:40 AM


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