Quotes of the Day

Most rental properties have expenses of at least 35% of the rental revenue. This can include property taxes, house insurance, property management, maintenance, materials, water/sewage/garbage, etc. If you are doing a rent-to-own, your expenses are lower because the tenants are responsible for more of the expenses. About 20% is more accurate for a rent to own. You'll still pay for house insurance and taxes, but you probably won't have a property manager. You'll have less maintenance, and your tenant will typically pay for water/sewage/garbage. [2013] - Julie Broad

An IOI is an indicator of interest. If she asks you what your name is, that's an IOI. If she asks you if you're single, that's an IOI. If you take her hands and squeeze them, and she squeezes back, that's an IOI. [2005] - Neil Strauss

Address financial values and differences early on. Take a look at how tings are going. Do you have an easy time deciding who pays for dates? If your date is adamant about always paying, go along with it. But you need to make an offer, even if it's always refused. This shows the subject of money isn't taboo and the other person can introduce it at any time. Have a chat as early as possible. say something simple and succinct, for instance, "I've really been enjoying the things we do together. How would like to share the expenses?" It will make you feel more like a potential couple if you can talk about such an everyday yet significant issue. Opening up the discussion will let you know where you and your companion stand on the subject. [2005] - Sharon Romm

Among the many types of kale, there’s one that is unusually delicious and available in late fall and winter markets in North America and Europe. It is called cavolo nero (black cabbage), or lacinato, Tuscan kale, or sometimes dinosaur kale. When buying kale, look for bunches with intact leaves and firm stems. Cut the leaves away from the inedible fibrous stem, then chop or shred the leaves, which then can be steamed, blanched, sautéed, used in soup or stew, or mixed into pasta or rice. Properly cooked, cavolo nero is very tender. It turns almost black, and it has a robust flavor with a mild, sweet aftertaste. [2019] - William W Li

Preventing catastrophic, that is, irrecoverable losses is the only reason to carry insurance. Effectively, this means carrying as high a deductible as possible while at the same time having enough funds, which you can invest, to cover losses up to the deductible. Most of us don't insure our clothes or tools. For a financially independent person, this will extend much further since almost everything can be replaced many times over. [2010] - Jacob Lund Fisker