Quotes of the Day

It's worth paying attention to the bid-ask spread when you buy an ETF. As a general rule, the spread should be no more than 2 or 3 cents, especially if the share price is less than $30 or so. ETFs with high share prices are less expensive to trade. In North America, stock exchanges are open between 9:30 am and 4:00 pm Eastern Time. Never place an order on a stock exchange when the markets are closed. The US market is closed on Martin Luther King Jr. Day in January and Memorial Day in May, while the Canadian exchanges remain open. You could see the bid-ask spread on your ETF much wider than usual, and that should be a signal not to place your trade. To be safe, don't make any ETF trades on days the US market is closed. [2021] - Dan Bortolotti

If you can develop rapport with the right people, you'll be able to fill their needs, and they will be able to fill yours. [1989] - Anthony Robbins

Citrus fruits and juices are very acidic. Alcohol also causes the esophageal valves to relax and cause reflux at night. Beer and white wine are particularly bad for reflux. The best things for a refluxer to drink? Water! Certain mild herbal teas are fine (such as chamomile), along with non-acidic smoothies, or low-fat and lactose-free milk. [2010] - Jamie Koufman

Red tea should ideally be simmered for at least 5 minutes. Brew black tea for 4 minutes, green tea for 3 minutes at 85°C, and white tea for 7 minutes at 98°C. Surprisingly, bags are better than bulk, because the leaves in tea bags are much more finely chopped, allowing for greater extraction. [2023] - Michael Greger

If you're having problems getting a fair settlement from the insurer of a policy you bought on our own, try contacting the provincial department that overseas insurance companies or the provincial regulator. You can find the phone number online or possibly in your insurance policy. Hiring a public adjuster who, for a percentage of the payment (typically 5-10 percent), can negotiate with insurers on your behalf is another option. When all else fails and you have a major claim at stake, try contacting a lawyer who specializes in insurance matters. Expect to pay at least $150 per hour. [2019] - Eric Tyson