Quotes of the Day

Many investors have had the experience of being turned down by a banker at one branch, only to get a mortgage at another branch of the same bank. The relationship you create with a person counts for a lot more than most of us realize. Choose a banker who's very experienced in residential real estate investing. [2009] - Don R. Campbell

It's important to mentally prepare ourselves for sleeping. For me, this means avoiding anything that might create stress or anxiety, such as reading work emails or especially checking the news. Another way to turn down the sympathetic nervous system and prepare the brain for sleep is through meditation. There are several good apps that can help with guided meditations, including some that are focused entirely on sleep. [2023] - Peter Attia

In syndicates, money from investors support a property's acquisition for investment purposes. Buying into a syndicate requires that the investor get an independent legal opinion and a clear understanding of the risks involved. Syndicated properties offer several benefits, including potentially a lower degree of risk because the syndicator rigorously scrutinizes properties before investors join the syndicate. Syndicated properties also typically offer a higher return to investors than comparable properties investors manage themselves. A wise investor must know the syndicate's track record and read the prospectus carefully. [2020] - Douglas Gray

You want to discover what the person enjoys about his daily experience, whether he is happy and why, how much his job means to him, and how involved he is at church or in other community activities. Pay close attention to information about family background, especially the relationships the person has with his or parents. You should want to know about the quality of the parents' marriage. It is good to know as much as you can about whether the parents enjoy each other or simply tolerate each other. [2002] - Neil Clark Warren

For Week 2, if your sleep efficiency (total sleep time / total time in bed) is 84% or less, set your threshold bedtime 15 minutes later but always give yourself at least 5.0 hours in bed; if your sleep efficiency is 85-89%, keep the same threshold bedtime; if your sleep efficiency is 90-94%, set your threshold bedtime 15 minutes earlier; if your sleep efficiency is 95% or greater, set your threshold bedtime 30 minutes earlier. If your sleep efficiency hasn't improved over 2 weeks, don't continue to restrict your sleep. Otherwise, repeat in Week 3 using the new sleep efficiency. This technique should be doing its work by Weeks 3-4. Your optimal sleep duration is reached when you're getting quite solid sleep (e.g., about 85% sleep efficiency) and you're not feeling overly sleepy during the daytime. [2021] - Judith R. Davidson