Alain Guillot
Life, Leadership, and Money Matters
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Take These Steps To Effect Change In Your Life
In life, change occurs whether you want it or not. If you can put yourself in the driver’s seat and steer your own course for a life refresh, all the better. When you are ready for something new, whether a career shift or a retirement, you need to alter the…
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These three ETFs are responsible for most of my wealth
in Stock MarketI was a day trader for almost 10 years. Oh, I was so smart. I was smarter than the market and all its participants. But I was not, I was delusional. I wasted my time trying to guest the direction of the markets. I had good months in which I…
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Don’t waste your money on expensive wine
My wine budget allows me to buy wines that cost between $10 CAN to $15 CAN. I never spend more than that. I bring them to house parties where some of the better off people bring wines that costs about $50 CAN. No one can tell the difference. No one…
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We can help the planet and reduce inflation by consuming less
When I came to Canada, as an immigrant, I had very little money. I struggled to pay for rent, food, and tuition and at that time I learned to be frugal and to ask myself if every item I bought was a want or a need. Now, after 22 23…
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How to benefit from global income inequality
We are so lucky to earn money in Canadian and US Dollars. When I go to my country and spend my money in Colombian Pesos, I get a lot of value for my money. My mother is spending her retirement years in Colombia because she can spend her money on…
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How the Sequence of Return Risk spoiled my retirement plans
At the end of 2021 I thought I had enough money to retire, and then the market collapsed. In six months the S&P 500 tumbled about 16%. My retirement plans were scrapped. Luckily for me, I like working and I just continued working so there was not a big change…