Quotes of the Day

Subtract your age from 110 (120 if you want to be aggressive; 100 to be more conservative) and invest the resulting percentage in stocks. You then invest the remaining amount in bonds. Consider allocating a percentage or your stock-fund money to overseas investments (a combination of U.S. and international stock funds) - at least 20 percent for play-it-safe investors, 25-35 percent for middle-of-the-road investors, and as much as 35-50 percent for aggressive investors. [2019] - Eric Tyson

Sometimes, instead of prescribing a BzRA for sleep, physicians prescribe a low does of an antidepressant (such as trazodone) or antipsychotic medication. It's debatable whether this type of low-dose treatment of insomnia is better than treatment with BzRAs. Stopping these medications after months or years of taking them is usually more straightforward than stopping BzRAs, although they should be gradually reduced, rather than stopped abruptly, over weeks. [2021] - Judith R. Davidson

A common piece of advice is to invest in stocks only if you have a time horizon of 10 years or longer. One long-standing general rule for retirement holds that you should hold a percentage of stocks equal to 100 minus your age. But with people living longer and retiring later and returns from bonds very low, many investment advisers say the old guidelines aren’t bold enough. Some suggest using 110 or even 120 minus your age to achieve the kinds of returns that will sustain you in retirement. [2021] - Erica Alini

We're getting older as a population, which means fewer borrowers and more savers. That's why interest rates are so low and why they're going to stay low. On the other hand, whatever is causing the low interest rates may also cause company earnings to grow more slowly in the future. As a result, the dividends on those stocks might grow more slowly too. If so, stocks may be overvalued after all. I'm inclined to go with a real return on equities of 3.5-4% over the next 30 to 40 years. [2021] - Frederick Vettese

An impression simply means that the Web page containing the advertisement was loaded and potentially viewed by someone who is browsing that Web site. The process of a site visitor clicking on a banner ad with his or her mouse is called a click through. Banner advertising is typically a very low cost investment (usually under .10 cents per click). [2007] - Bruce C. Brown