About Kevin

Kevin is a graphic designer from Vancouver, BC Canada. He runs the site Freedom 35 Blog in his spare time and publishes news and commentaries on business, investing, personal finance, and economics. Kevin has been investing in the financial markets for over 10 years, and has accumulated a seven figure investment portfolio. His assets include farmland, private debt, and publicly traded equities. He has been featured on publications such as the Canadian Broadcasting Corporation, and The Globe & Mail newspaper. Kevin's experience dealing in stocks, bonds, and real estate gives him a diverse set of knowledge which he shares with readers on Modest Money.

How Most Families Lose Wealth Across Generations

How Most Families Lose Wealth Across Generations

July 13, 2018July 13, 2018

Making millions of dollars is not easy. But perhaps what’s even harder to do is maintaining that wealth – which is especially hard if you want to keep it in the family...

Investment Lessons from Jeff Bezos

Investment Lessons from Jeff Bezos

May 22, 2018May 22, 2018

Here are some lessons about building wealth I've learned from Jeff Bezos, the CEO of Amazon.com, during my short time working with his company.Drive down costs. For companies this ..

What Warren Buffett Thinks About Bitcoin

What Warren Buffett Thinks About Bitcoin

May 4, 2018May 4, 2018

Bitcoin’s price increase from $7,200 to $9,600 over the last month. Despite cryptocurrencies making some people wealthy, many financial gurus and professionals warn investors..

Ignoring Risk Management is a Costly Investing Mistake

Ignoring Risk Management is a Costly Investing Mistake

January 9, 2018January 9, 2018

What is Risk Management? Many investors have difficulty figuring out exactly what risk means to them. But this is an crucial topic to understand if you are to succeed in today̵..

Why Bitcoin is Not A Form of Money

Why Bitcoin is Not A Form of Money

December 15, 2017December 15, 2017

The Purpose of Money Money has been around for as long as human civilization. The purpose of money is to facilitate three primary functions. Medium of exchange Store of value Unit ..

How Interest Rates Affect Real Estate Prices

How Interest Rates Affect Real Estate Prices

October 13, 2017October 13, 2017

The profitability of rental properties in the US is affected by interest rates. Usually, when a central bank decides to tighten monetary policy it slows down economic activities be..

How to Handle Retirement Withdrawals

How to Handle Retirement Withdrawals

October 6, 2017October 6, 2017

There are two main schools of thought when it comes to retiring and drawing down the money from an investment portfolio. One common practice is called the four percent safe withdra..

Retirement Planning for an Older Population

Retirement Planning for an Older Population

July 8, 2017July 8, 2017

People Are Living Longer According to estimates published by the Office for National Statistics the average life expectancy for newborn girls is on course to reach just under 97 y..

Creating a Balanced Portfolio Using Alternative Investments

Creating a Balanced Portfolio Using Alternative Investments

March 23, 2017March 23, 2017

Investing in Alternative Asset ClassesIt's never easy to predict what markets will do in the future. That's why it's best to maintain a well-diversified, balanced portfolio to weat..

Millennials Are Buying up Real Estate – Here’s Why

Millennials Are Buying up Real Estate – Here’s Why

March 3, 2017March 3, 2017

Young Homeowners Are More Likely to Borrow From Parents Home prices in the United States and across many other parts of the world have been growing at a reasonable pace for the pas..

Investment Diversification: 5 Risky Mistakes to Avoid

Investment Diversification: 5 Risky Mistakes to Avoid

February 17, 2017February 17, 2017

The Importance of Diversification Investors often have a lot to consider. But few investment decisions matter more than asset allocation. A well diversified portfolio is as importa..

Using The Graham Formula to Find Underpriced Stocks

Using The Graham Formula to Find Underpriced Stocks

January 23, 2017January 23, 2017

Knowing how to properly value a stock is probably the most important skill for a value investor to develop. The goal is to buy companies for less than their intrinsic value over a ..

Looking for Asymmetric Risk and Rewards

Looking for Asymmetric Risk and Rewards

November 7, 2016November 7, 2016

The old adage that we have to take on a great amount of risk in order to earn a high return isn’t always true. Sometimes we can protect our downside without sacrificing any upsi..

Creating an Income Plan from Investments

Creating an Income Plan from Investments

October 27, 2016October 27, 2016

It’s important to have financial goals when we invest our money. Sometimes we want to invest for the short term. Other times we won’t be touching our principal for a ve..

Investing in an Aging Population

Investing in an Aging Population

April 1, 2016April 1, 2016

A report commissioned by the National Institute on Aging suggests that there are approximately 617 million people aged 65 and older in the world today. These individuals make up 8...

REITs and Affordable Housing

REITs and Affordable Housing

March 25, 2016March 25, 2016

Finding affordable housing in the U.S. is becoming more and more difficult as the average price of homes continues to increase. Normally one would expect that popular urban centers..

Investment Lessons from The Big Short

Investment Lessons from The Big Short

January 2, 2016January 2, 2016

The Big Short is a recently released movie about several outsiders in the world of high-finance who predicted the credit and housing bubble collapse of 2007. They decided to take o..

The Value of Dividend Stocks

The Value of Dividend Stocks

November 18, 2015November 18, 2015

Entrepreneur, investment guru, and television personality Kevin O’Leary says the choppy financial markets in North America shouldn’t cause investors to run away. Instea..

The Richest 1 Percent Owns Half of World’s Wealth

The Richest 1 Percent Owns Half of World’s Wealth

October 21, 2015October 21, 2015

A new world’s wealth report released by Credit Suisse Financial Group claims that for the first time in history, the top 1% of the world’s richest now owns 50% of all the wealt..

Managing Expectations for Investment Returns

Managing Expectations for Investment Returns

October 15, 2015October 15, 2015

Having reasonable expectations for investment returns can help investors cope with financial turmoil and prevent unnecessary risk. When Investment Returns Are Too Good to be True I..