Quotes of the Day

These fermented foods contain good quantities of probiotics: yogurt (provided it contains live, active cultures), buttermilk (uncooked only), sourdough bread, soft cheese (either aged or containing raw milk), cultured butter and cultured cottage cheese, miso, kombucha, tempeh, sauerkraut (labeled as containing live cultures and not pasteurized), kimchi and pickles. [2016] - Laura Kelly

A great location for investment will generally be a central location close to many amenities with a high walk score. Some buyers will only buy in neighborhoods with high walk scores, and will pay more for this convenience. (Check out WalkScore.com.) I'm someone who is willing to take a risk and who is open to taking chances on forecasted upcoming locations, so I'm open to bet more on real estate location. If you're thinking about putting money in on a growing location, do it as soon as possible, then you can watch it grow for longer. [2021] - Shazia Virani

The key to most successful businesses is that they do their chosen activity better than their competition. A "competitive advantage" is a unique connection, resource, idea, timing, or other factor that means you can produce or deliver your product or service faster or cheaper or better or more profitably than the other guys. If you have an area of expertise, connections, or even just enthusiasm, it may yield a competitive advantage for you. [2006] - Scott Fox

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

According to a Match.com study of singles in America, 58 percent of men and 51 percent of women who have been in love and believe in love at first sight have experienced it. [2013] - Laurie Davis