Quotes of the Day

One night of sleep loss doesn't significantly or obviously impair our health system. Staying awake overnight, rather than sleeping, is accompanied by only subtle changes or even enhanced immunity in the short term. There is no clear evidence that a full night awake makes us any more susceptible to infection or disease. When we lose sleep one night, we can recover most of what we've lost the next time we sleep. [2021] - Judith R. Davidson

The recovery is often the shortest phase of the real estate cycle. It is often the most difficult to identify. The strategic real estate investor's job at this point is to determine if positive economic growth signs are green shoots or just plain old weeds destined to wither and die before a true sustained recovery begins. Investors who "get the recovery right" can invest during the most opportune time in the cycle with the least amount of risk. [2011] - Don R. Campbell

When insomnia occurs at least 3 nights per week and lasts for 3 months or longer, it's technically called "chronic" insomnia (Don't be put off by that label, chronic doesn't mean irreversible!). [2021] - Judith R. Davidson

Several foods are not only safe for teeth but also have tooth-protective or anti-cavity features: 1) Cow's milk; 2) Cheese; 3) Dark chocolate; 4) Certain plant fibers and leaves (sugarcane, fresh apples, tea, etc.); 5) Intense sweeteners (glycyrrhizin from licorice root, thaumatin, miraculin, etc.); 6) Propolis. Finishing a meal or a snack with something dentally healthy can alter the chemistry of your mouth and leave it safe for teeth. Know at least one or two foods that you like and which are safe for teeth so that you can eat these to complete any meal or snack made up of foods that are damaging. [2025] - Ellie Phillips

I'll use the SPDR Gold Trust (the biggest one) as an example of how gold ETFs work. When the buy order is processed, two things happen. First of all, the fund issues 10 shares to cover the investor's purchase. Then the fund uses the purchase money to buy an ounce of gold, which is added to the SPDR Gold Trust hoard in London. This means that outstanding shares rise as the ETF's gold stock grows. The opposite process occurs when a SPDR investor decides to sell. His shares are redeemed, and the fund sells the corresponding amount of gold from its stock. [2009] - James DiGeorgia