Quotes of the Day

During REM sleep, cortisol is suppressed, and your metabolic rate increases. When you don't sleep well, you get less REM in the second half of the night, and that results in higher levels of cortisol and insulin, which stimulate appetite and lead to greater insulin resistance. This means that a bad night of sleep can throw you into a temporary prediabetic state. Studies have shown that even one night of partial sleep, or one night without enough REM sleep, can lead to elevated cortisol the next afternoon or evening, along with changes in the hormones and peptides that regulate appetite and lead to greater feeling of hunger. [2017] - Elizabeth Blackburn

Fear is always associated with concern over a future outcome before it even occurs. Fears are based on imagined scenarios that may or may not happen. Most imagined fears never happen. The only way to successfully overcome fear is to stay in the present. Focus on what you can do in the present moment and let the outcome take care of itself - win or lose. [2006] - Michael Anthony

If you believe interest rates are going up, you may be better off with a fixed-rate mortgage. If you're planning to pay down your mortgage in five years of less, a variable-rate mortgage may make the most sense, but if it will take you longer, a fixed-rate mortgage is worth considering. [2017] - Sean Cooper

When you want to invest in precious metals as a hedge against inflation, your best option is to do so through mutual funds or ETFs. Don't purchase precious-metal futures (they are short-term gambles). We also recommend staying away from firms and shops that sell coins and bullion (bars of gold or silver). Even if you can find a legitimate firm (not an easy task), the cost of storing and insuring gold and silver is quite costly. You won't get good value for your money - markups can be substantial. [2019] - Eric Tyson

A toothpaste’s ideal ingredients would be nonabrasive silica, enough sodium fluoride to strengthen teeth, and no glycerin. In the late 1950s, the original Crest formulation passed randomized clinical trials and showed it could stop cavities before they start. It has been my toothpaste of choice for three decades. If you have gum recession, be sure to avoid any toothpaste that contains glycerin, salt, peroxide, coconut oil, or baking soda, since these can upset biofilm health by dissolving its foundational proteins. If you have a dry mouth or sensitivity, my advice is to avoid all the pastes advertised for sensitive teeth. [2018] - Ellie Phillips