Quotes of the Day

A smile is always good bait. [2006] - Leil Lowndes

The best way to buy your first investment is to see exactly how much you can afford, and if possible, pick a great location from there. Location is key so if you are able to get into the best location you can afford and sacrifice a little space I would encourage you to do so. I always suggest starting with a 20% down payment. This way you don't pay the Canada Mortgage and Housing Corporation (CMHC) fees and it's a substantial amount you're putting down which will reduce your mortgage payments. [2021] - Shazia Virani

To make sure you're getting enough of the crucial vitamin K2, you can take high-vitamin butter oil or emu oil in capsules (as directed), or 1 teaspoon per day, after the largest meal of the day. For supplementation, you can take 150-200 milligrams of MK7 vitamin K2. [2018] - Steven Lin

An Insurance Tax Shelter is a plan issued by a life insurance company that allows you to deposit any amount of money and shelter all of the growth of the investment from income tax. Each insurance company gives their plan its own unique name. The plans are flexible, allowing you to vary the amount of your deposits and choose the type of investments, from GICs to investment fund indexes, with no restriction on foreign content. You can make direct withdrawals, TAX-FREE from the tax-sheltered account, up to the adjusted cost base (ACB) of the plan without incurring any tax. Simply put, the ACB is equal to your deposit less the cost of insurance. Under a special arrangement, you can leverage your account with a bank. This is the real benefit of an Insurance Tax Shelter! The leveraging of your account is what allows the plan to outperform other investment vehicles, because a loan is never taxable! [2007] - David M. Voth

Vying for a second date can be even harder than asking for the first, especially if the first was a set-up. What to do? Lead with something you learned about the person on the first date. Did she mention that she likes to swing dance? Then ask her to a dance club the gives free lessons. Does he like to bike ride? Then suggest going cycling together on a scenic local bike trail. [2004] - Bonnie Jacobson