Quotes of the Day

Use xylitol gum or mints after every meal, snack, and drink to alkalize your mouth and support the development of healthy biofilm. If your gums bleed as you brush them, this is a signal to brush the area more thoroughly, not less, since the improved circulation you will create by brushing will help the swelling go away before any permanent damage happens to your gums. If you have previously noticed bleeding gums but they stopped bleeding, this may not be a good sign. This could signal that gingivitis progressed and became the next stage, which is a painless, nonbleeding, more serious gum problem called periodontal disease. [2018] - Ellie Phillips

Too little sleep can make your body more resistant to the effects of insulin. Getting between 7 and 8 hours of sleep most nights is associated with the lowest risk of developing type 2 diabetes. [2018] - Joy Bauer

Corporate class (capital class) funds are a series of different mutual funds, each representing a class of shares of a larger corporation. Each corporate class is a separate investment fund, but all classes fall under the umbrella of the holding corporation. The structure was really designed for non-registered investments and has been in existence since 1987. If you have non-registered investments, and your objectives are deferral and to to limit the amount of income coming from them, you may be better served to have them in this structure. [2019] - Daryl Diamond

Super Immunity is created by a diet with a portfolio of immune system-strengthening and cancer-fighting foods. Here's a good way to remember the essentials (GOMBBS): Greens, onions, mushrooms, berries, beans, seeds. Top Super Foods for Super Immunity: Kale/collards/mustard greens, Arugula/watercress, Green lettuce and cabbage, Broccoli and brussels sprouts, Carrots and tomatoes, Onions and garlic, Mushrooms, Pomegranates, Berries (all types), Seeds (flax, chia, sesame, sunflower) [2011] - Joel Fuhrman

Deferring CPP pension to age 70 forces you to draw down your RRIF assets (or other assets) more quickly before age 70, but those same assets last longer because the CPP pension from age 70 and on is so much bigger. This strategy is only for people with significant savings. For a couple, the threshold is about $400,000. For a single person aged 65 at retirement, it would be about half that. You probably will not want to defer your OAS pension unless your income after 65 is high enough to be subject to the OAS clawback rules. In the case of OAS, the pension at age 70 is only 36% higher than at age 65, not 42%. [2020] - Frederick Vettese