Quotes of the Day

The smartphone app Rejoyn, by Otsuka Pharmaceuticals, for people with at least moderate depression, was the first to be FDA cleared for mental health, even though it didn't fulfill the clinical trail's primary endpoint. There is no shortage of non-FDA-cleared dCBT apps on the market, including Sanvello, MindDoc, Happify, Evolve, CBT-i Coach, Mindshift CBT, MoodMission, and many others, most of which charge, with a range from $5 to $50 per month. Many of these are indexed at mindapps.org. [2025] - Eric Topol

Americans should have a nice chunk of money in a US index; Canadians should have a good-sized chunk in a Canadian index. After all, it makes sense to keep much of your money in the currency with which you pay your bills. Investors can increase their diversification by building a portfolio with global exposure. A total international stock market index would fit the bill. To keep it simple, you could split your stock market money between your home country index and an international index. [2017] - Andrew Hallam

Some forms of income are not subject to taxation. Gifts or inheritances, life insurance proceeds, personal injury awards and lottery winnings are common examples. Some social benefits such as Workers' Compensation, the Guaranteed Income Supplement, and Spouse's Allowance are not taxable but must be considered in Net Income for the purpose of calculating refundable and non-refundable tax credits. [2019] - Daryl Diamond

Make lots of offers: When I want a piece of real estate, I look at many properties and generally write an offer. Offer half of what the owners asked for. Most sellers ask too much. In real estate, I make an offer with the words "subject to approval of business partner." Most people do not know my partner is my cat. If they accept the offer, and I don't want the deal, I call home and speak to my cat. [1998] - Robert T. Kiyosaki

Men typically have lower response rates than women, meaning that they have to write more messages to get one email back. [2013] - Laurie Davis