Quotes of the Day

Following the 4% rule still gives you a 5% chance of running out of money, due to a phenomenon known as sequence-of-return risk. Your backup plan: 1) Cash Cushion - A reserve fund held in a savings account that you can use to avoid doing a full portfolio withdrawal during down years. 2) Yield Shield - "Temporarily" pivoting your portfolio into higher-yielding assets: Preferred shares (e.g. XPF), REITS (e.g. XRE), Corporate bonds (e.g. XCB), Dividend stocks (e.g. XDV). The size of the Cash Cushion = (Annual spending - Annual yield of your portfolio) x Number of years it takes for a stock market to recover from a big crash (e.g. 5) [2019] - Kristy Shen

Photos should focus on your waist up, unless you have amazing legs. Then it's okay to include one or two full-body shots in your gallery. The majority of your photos should be closer up, highlighting your face. Don't stage a smile. Instead, try to laugh just before the shot is taken. Flirty smiles that don't look cheesy also work. Make eye contact with the camera. Aim to take most of your photos outdoors. [2013] - Amy Webb

Those who have titanium dental implants should be wary of cleanings. With titanium in your jaw, you should be extremely judicious about the frequency of professional cleanings you receive. This is because there is a substantial risk that particles of metal can be scraped off your implant and get into your gum tissue, which could create a new health hazard. [2018] - Ellie Phillips

I recommend consuming little or no fish and strongly advise against consuming any of those species of fish notoriously high in mercury, such as shark, swordfish, mackerel, pike, and bluefish. The amount of DHA can vary significantly depending on the fish and the location. Farm-raised fish such as tilapia has none, and even some salmon (especially farm-raised) has very little DHA. Most of us can assure nutritional adequacy of EPA and DHA without using fish oil, by just adding a small amount of a vegan EPA or DHA supplement. A study showed that 100 mg of DHA daily increased the omega-3 index from 4.8 (poor) to 8.4 (optimal) percent. [2011] - Joel Fuhrman

Here is what makes LITS the GREATEST Tax Shelter available in Canada: Instead of withdrawing the money, visit your bank (your insurance company may also do this for you) and borrow money using the policy as the security. Generally , do not borrow the full amount all at one time, but annually as you have need of it. The arrangement you make for the loan is that no repayment will ever be made on it, but at the time of your death the funds from the LITS will be used to cover the total owing. This permits you to access the earnings from this money Tax-Free because loans have no tax ramifications and so the money is totally yours. [2008] - Dwayne Daku