Liquid Independence

Editor in Chief at Freedom 35 Blog.

Author Archives: Liquid Independence

The best emerging markets ETFs

A properly diversified portfolio should include businesses from all over the world. Valuation wise, stocks in developing countries are currently much cheaper than in North America. So in today’s post I’ll go over several emerging markets ETFs to consider adding to your portfolio. VWO and IEMG The Vanguard FTSE Emerging Markets ETF has a low management fee of… Read More »

Skin in the game | Dealing with asymmetric outcomes

The world is not fair Personal finance is like peanut butter. You can’t spread it too thin.😀 That’s why there are consequences for taking risks. But sometimes people can reap the rewards for their actions, but not accept any of the risks. Wall St. executives walk away with millions of dollars while their clients lose money. Pro war… Read More »

Real estate taxes in Canada. Know before you buy.

Making sense of real estate taxes in Canada Real estate has historically kept up with inflation. But I’m not sure if it can keep up with taxation moving forward. I’m all for reasonable taxes. I benefit a lot from government services. But at some point real estate taxes in Canada can start to feel excessive. Someone buying a… Read More »

Does Astrology affect your personal finances?

What’s your sign?  What is your take on horoscopes? Legit or completely meaningless? If your birth month has no effect on your future prosperity then the rich should be proportionally distributed. Yet that’s not the case. For example, roughly 9% of people in the general population are Libra. However, Libras make up nearly 20% of billionaires. Meanwhile Sagittarius… Read More »