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  1. fraserrc

    Sabbatical or Permanent Lifestyle change

    Grizz, You might be on to something. fraser
  2. fraserrc

    Sabbatical or Permanent Lifestyle change

    My wife and I are generally happy, optimistic people. We believe we can be happy just about anywhere. At present, most of our friends are also our co-workers - we are generally either at work or at home recouperating. We moved to this city to find ourselves 12 years ago and live some 3500 km...
  3. fraserrc

    How Far North?

    I live in Canada year round. You could move this far North
  4. fraserrc

    Sabbatical or Permanent Lifestyle change

    My wife and I live in a relatively big city in Canada with our 1 year old and another on the way. We're in our 30s and have schooled hard and worked hard the last 15 years and we've built up a fair sized nest-egg but the big city is an expensive and fast paced place. We could handle the fast...
  5. fraserrc

    Introduce yourself here!

    Hello, I'm... Hello, I'm Fraser male, Canadian, 33, married with 3 little ones. Currently I figure we're about 7-10 years from being FI. Current family net worth of $550k, much of it ($350k) in home equity. Doing very well thanks to real estate boom here in Alberta. Hope to semi-retire in...
  6. fraserrc

    Dividends and/or Safe withdrawel rate

    Thanks Milton, I'm familiar with Derek Foster's strategy and I've used much of it in designing up my plan. He was able to retire using a mix of Income trusts and Dividend stocks. Personally, income trusts don't grow enough for me and I figure I can expect greater growth than inflation with...
  7. fraserrc

    Dividends and/or Safe withdrawel rate

    Thanks for all the comments, I agree that having 30-40x needed annual cash flow should be my portfolio balance goal. Here in Canada, Dividends (by Canadian companies) are taxed very favourably compared to capital gains and interest so if I can structure my portfolio primarily to produce...
  8. fraserrc

    Dividends and/or Safe withdrawel rate

    Hi, Fraser here Short-time lurker, first-time poster I have seen a lot of posts regarding safe withdrawal rates but don't see many/any posts on living off dividends. My plan is to live off dividends which will likely produce 2.5-3 percent of the portfolio balance. I dont intend on withdrawing...
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