Quotes of the Day

Never buy a rare coin that hasn't been graded and certified as authentic by Numismatic Guaranty Corporation (NGC) or Professional Coin Grading Service (PCGS). I most often recommend both choice and gem uncirculated condition coins. I especially like some of the rare dates and lower population coins that you can buy for modest premiums. [2009] - James DiGeorgia

Heartburn occurs when gastric acid from the stomach goes the wrong way, or refluxes, up into the delicate tissues of the esophagus, causing a burning sensation at the bottom of the chest and rib cage that can emanate out through the middle of the chest and toward the throat. Regurgitation is the sensation of food coming back up into your chest and throat after you’ve already swallowed it. Over 90% of the people diagnosed with acid reflux disease do not have these typical symptoms. They are more likely to have throat-related complaints such as feeling a lumplike sensation in the throat severe enough to cause dysphagia, or difficulty swallowing. Other common symptoms are chronic cough (cough that persists longer than 8 weeks), hoarseness, frequent throat clearing, and sore throat. [2017] - Jonathan Aviv

As feelings and emotions grow they often can cloud the ability to make a rational evaluation of a prospective spouse. When the connection progresses, the parties usually develop as the desire for more proximity and contact. Intense emotions may override good judgments that might otherwise cause one partner to end the relationship. It can be increasingly difficult to separate from a developing attachment figure. Often, the prospect of being alone, without contact, companionship or sexual pleasure can be more anxiety provoking and frightening than continuing a dysfunctional relationship. So it is important, as early as possible in the relationship, to recognize qualities in a potential spouse and decide whether or not you can live with them before an attachment is formed. [2011] - Isabelle Fox

Global Nomad portfolios (single, globally diversified portfolios that have no home‐country bias) would work well for couples that don't know where they want to retire. They would also suit couples retiring in an emerging‐market country. Emerging‐market countries have small, volatile markets. Retirees who choose to invest with a “home‐country” emerging‐market bias would be taking unnecessary risk. Instead, they could spread their risk across a multitude of global economic regions. [2018] - Andrew Hallam

All investments (not just those in real estate) using borrowed money create a tax deduction. In Ontario, for example, you are at a marginal tax rate of over 33 percent by the time you earn over $45,000 per year. This means that if you borrow at 10 percent, then your after-tax cost of borrowing is less than 7 percent (10 percent x (1-0.33) = 6.7 percent). [2017] - Calum Ross