Quotes of the Day

Consistent publishing of a quality e-mail newsletter is the most important marketing technique that I recommend. You simply cannot lose by consistently reminding your customers of your e-business with a respectful and informative newsletter. [2006] - Scott Fox

Since price is so important to many sellers, the use of unconventional financing is a way to negotiate without leaving them feeling "beaten down" on their price. Don't use a standard bank-type note that contains a due-on-sale clause. Also, you should include a clause giving you the right to substitute collateral. [2004] - Mike Summey

If your employer offers a group savings program, you should probably take full advantage, especially if the employer matches at least part of your contribution. Defined benefit pension plans are rare in the private sector these days, but many companies offer defined contribution plans and group RRSPs. Many workplace plans even offer index funds as options. these are rarely as cheap as ETFs, but if your employer is matching part of your own contributions, it will more than offset any additional fees, and the automatic payroll deductions will enforce those regular savings. [2021] - Dan Bortolotti

Rent must cover at least these items: mortgage payments, taxes, insurance, interest payments, estimated vacancy loss (at least 5 percent if you have more than one rental property), utilities provided by landlord, collection expenses, legal & accounting fees and advertising [2017] - Bryan M. Chavis

Stomach acid-blocking "proton pump inhibitor" (PPI) drugs with brand names like Prilosec, Prevacid, Nexium, Protonix, and AcipHex are among the most popular medications in the world, but they come with a cost. Studies show higher hip fracture rates among both long- and short-term users at all dose levels. This class of drugs has been linked to increased risk of other possible adverse effects, such as pneumonia, intestinal infections, kidney failure, stomach cancer, cardiovascular disease, and premature death. [2023] - Michael Greger