Quotes of the Day

only Americans can buy one of Vanguard’s target retirement funds from Vanguard USA. But British investors can buy similar products from Vanguard UK. Canadian and Australian investors can’t buy all-in-one portfolios of indexed mutual funds. However, Canadians and Australians can buy all-in-one ETFs from one of their home country brokerages. I believe investors behave much better in all-in-one portfolios of index mutual funds compared to investors in all-in-one ETFs. After all, with all-in-one index mutual funds, investors can set up automatic monthly deposits. This makes the process hands-free. [2022] - Andrew Hallam

One half-hour session of MSTF a week will be sufficient for all your major muscle groups to get stronger. Two sessions would likely help you do that more quickly. [2021] - Philip Shepherd

There are a few banks out there that offer PLCs (personal line of credit) you may choose to avoid. Here's what to watch out for: a. The bank requires a minimum monthly payment on a secured PLC, made up of a combination of the interest and some principal. A common amount for these payments is 3% of the outstanding balance (as opposed to interest only, which is usually less than 1% per month) . b. The PLC has an annual or monthly fee. c. The bank makes you re-apply for the PLC or package service each year. d. The bank places the PLC interest rate on their "personal loan base rate" (or some other fancy name) which is 0.5% or more above prime. You may think you're getting a prime plus 2% rate, when in fact you're being charged prime plus 2.5%, or even more. [2009] - Don R. Campbell

One cup of coffee or espresso a day is fine, but people who drink coffee all day long are courting reflux if they don't have it already. We recommend switching to herbal teas such as chamomile. Green tea is okay if lightly brewed. [2010] - Jamie Koufman

Worse than a high dividend payout ratio (or following the later), there is a dividend cut. This should be an immediate sell as there is no hope for you to build a dividend growth portfolio with stocks cutting their dividends. However, you should have seen the dividend cut coming and sold the stocks way before that happens. High competition, decreasing sales and revenues growth mixed with an increasing dividend payout ratio should be enough for you to pull the trigger. [2012] - Mike Heroux