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Alexandre Sauvé

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Early Retirement
Programming, Money, Investing
Start Year:

Blogger Bio

Gatineau, Québec, Canada
Life stage:
DINK (Dual Income, No Kids)
Web Developer
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Latest Blog Posts

I don’t really care if you’re saying that most of it ends up in the trash anyways. 1% of something is better than nothing at all. So in my quest to optimize every aspect of my life, I have been trying to reduce garbage as much as possible by turning to composting and recycling instead. In fact, most of what we throw in the trash can go in one or ...
Posted: Oct 23 2017 @ 8:08 PM
Probably what saved me from getting bored creating SQL stored procedures/statements. Linq suggests doing all of that stuff in a fraction of the time while staying in C#. All of this and still being backward compatible with these good old stored procedures! The goal of Linq To SQL is to create an interface independent from the database engine that the application will be using. This will greatly simplify the work and ...
Posted: Oct 03 2017 @ 10:05 PM
An interesting subject on which I’ve been learning a lot in the last couple of months. Most probably because of the big boom of Ethereum in the media and the skyrocketing Bitcoin. In fact, there are a lot of crypto-currencies, not only Bitcoin and Ethereum (which is not meant to be a currency by the way). If you want to have a quick look, you can refer to CoinMarketCap where ...
Posted: Aug 29 2017 @ 9:57 AM
Today I spoke with a saleslady at a store near where I live and she was complaining that they didn’t offered financing for sewing machines yet. This while showing all the nice features a 3.5k $ sewing machine could do. I was seriously impressed by the machine, but not really by her reasoning on financing. Don’t get me wrong, I am not trying to say that her point of view ...
Posted: Aug 18 2017 @ 11:48 AM
Something struck me the other day as I was watching yet another documentary on good food to eat and that kind of stuff. If you want to attain financial independence, you have to live long enough to get there. It’s true that a lifestyle change will bring happiness during the process as well as to ensure that you have the most chances to reach this goal, putting all odds on ...
Posted: Jul 19 2017 @ 8:53 AM
The name of this portfolio says it all, it’s the easiest to maintain! Even if it’s easy to rebalance and to maintain, it still grasp most of the global markets. Surely I wouldn’t expect wonders happening but it still gives a broad exposure to stocks, bonds, REIT, Emerging markets, and more! It won’t be really costly to rebalance even if it costs a bit more in management fees (around 0.4 ...
Posted: Jun 26 2017 @ 7:44 AM
Let’s have a look at how the indicator is calculated (on the right of this post). I admit that it’s arguably accurate but we need measurement to have an idea of where we currently stand in our FI progress. Indeed, there are many ways to calculate this indication but I will show you mine and you can adjust if you don’t like it. Calculations! Expenses I tend to use the easy way based ...
Posted: Jun 06 2017 @ 12:07 PM
Context How to own a really great deal of the world’s equity without a headache and too much volatility? Yup! Perfect balance is the one I would choose if I want more growth than Calm Seas and still a broad exposure. I like this portfolio because it’s starting to look more attractive to financial independence. It might apply to you if that’s what you want to accomplish. Also, you might want ...
Posted: May 29 2017 @ 1:53 PM
Donate Once, Help Twice Donations to charity can really help the people in need, it can also help reduce you income tax at the same time! I’ve been playing around a bit with the calculator on the Canadian Red Cross Website and I found that giving can really make an impact on your taxes as well as your community. First Time Donor Super Credit This is like the Superman of tax credits but ...
Posted: May 19 2017 @ 3:09 PM
Context The Calm Seas portfolio is aimed at people with a investing range of about 10-15 years or that are very sensitive to market movements. We are going to be more conservative by buying more bonds and no emerging markets (countries like China, Russia, Brazil) or REIT (Real Estate Investment Trusts). Let’s say that the goal is to save for a down payment on a cottage (in 15 years). The goal is ...
Posted: May 18 2017 @ 11:42 AM


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