Quotes of the Day

Use an internal site search engine to determine what keywords people use to find or search your site. You may be surprised. Watch for search terms you hadn't considered when you originally built the site. [2004] - Dan Gooder Richard

With insomnia, reaction time may be slower, problem solving, and some aspects of memory may be affected. However, we can usually get the job done--whether it be schoolwork, housework, or job work--although we may feel that it takes extra effort. We are functional, but tired, sad, and irritable. [2021] - Judith R. Davidson

In a study that looked at the effect of strength training in 62 frail seniors, the subjects who did only strength training for 6 months gained no muscle mass. Another group of subjects was given protein supplementation (via a protein shake); those subjects added an average of about 3 pounds of lean mass. The extra protein likely made the difference. Similar results have been found in multiple other studies, although it remains unclear whether protein supplementation helps to improve muscle "strength" as well as muscle mass. We don't store protein in the way we store fat (in fat cells) or glucose (as glycogen). If you consume more protein than you can synthesize into lean mass, you'll simply excrete the excess in your urine as urea. [2023] - Peter Attia

The answer to the question of whether to contribute to our RRSP or pay down a mortgage does not have to be either/or. While the math shows a considerable interest savings by applying money to your mortgage principal, the growth of an RRSP contribution is also impressive. So here's a sensible compromise. Make the maximum RRSP contribution you can afford from your cash flow and then use the proceeds from your tax refund or the savings in taxes you achieved by filling a Form T1213 to pay down your mortgage. [2013] - Gail Vaz-Oxlade

The most famous cryptocurrencies right now include Ethereum, Ripple, Litecoin, Bitcoin Cash, and Stellar Lumens. Because the crypto industry is pretty new, it's still very hard to identify the best-performing cryptos for long-term investment. That's why you may benefit from diversifying among various types and categories of cryptocurrencies in order to manage your risk. By diversifying across 15 or more cryptos, you can stack up the odds of having winners in your portfolio. [2019] - Kiana Danial