Quotes of the Day

Since price is so important to many sellers, the use of unconventional financing is a way to negotiate without leaving them feeling "beaten down" on their price. Don't use a standard bank-type note that contains a due-on-sale clause. Also, you should include a clause giving you the right to substitute collateral. [2004] - Mike Summey

Yoga is for anybody who’s interested in gaining flexibility, strength, and balance. If you are a beginner, try hatha yoga (preferably at a smaller studio rather than a gym), which is a broad category of practice that focuses on learning yoga poses that promote stability, strength, and controlled breathing. Of these, the Iyengar style emphasizes proper alignment, which is crucial to master if you want to progress to more advanced practice, including the popular Vinyasa or Bikram variations. As a person with acid reflux, you must avoid certain poses, such as inversions. You should also pay attention to the most ubiquitous pose, the downward dog, to see if you notice any reflux symptoms. [2017] - Jonathan Aviv

Gold ETFs are a safe, cost-effective and easy way to acquire gold. But here is a potential problem that may seem improbable today, but which is important to consider for investors concerned about ultimate investment safety, which is, after all, the main reason to own gold: World governments in time may decide to change the rules of the game and force gold ETFs, less than a decade old, to delist. [2008] - Shayne McGuire

To sound smarter, more professional, and cultured, simply pronounce all three syllables of a greeting. "Good mor-ning." "Good eve-ning." [2009] - Leil Lowndes

Look for a probiotic that supplies a minimum of 5 billion CFUs (colony-forming units--this is how probiotics are measured) and at least 5 different probiotic stains (spanning both Lactobacillus and Bifidobacterium families), because each strain produces different benefits. Additionally, there are two types of probiotics, spore-forming (soil-based) and non-spore-forming (from fermented food). We recommend taking a probiotic that contains both, with at least 1 billion spore-forming CFUs. Spore-forming probiotics will be those listed as Bacillus on the supplement facts. [2019] - Mira Calton