Quotes of the Day

All investments (not just those in real estate) using borrowed money create a tax deduction. In Ontario, for example, you are at a marginal tax rate of over 33 percent by the time you earn over $45,000 per year. This means that if you borrow at 10 percent, then your after-tax cost of borrowing is less than 7 percent (10 percent x (1-0.33) = 6.7 percent). [2017] - Calum Ross

Offer on deals on Friday, when most agents and investors have already begun wrapping up for the week and are planning their weekend fishing trip or barbecue! The same principle applies to holidays and especially to the end of the year. Savvy investors know that this is the best time all year to find deals, for two reasons. One, during this season, banks are in a hurry to unload their properties before the new year; and two, there is less competition for properties! [2015] - Brandon Turner

Employees are often trained to be specialists. Entrepreneurs need to be generalists. [2005] - Robert T. Kiyosaki

If you've been in bed for a while and you don't feel like sleep is going to happen anytime soon, you can get up and go do some quiet activity until you feel more sleepy. If you're not too bothered by the situation, I recommend simply lying there and resting. Plan out your dream vacation. Plan a surprise date with your partner or a thoughtful gift for a coworker. It's important to remember that resting even without sleeping is good for you too. You're not wasting your time if you're lying in bed and not sleeping. If this is happening frequently, listen to your body. You're going to bed too early. It's time to go to bed a little later. [2017] - W. Chris Winter

Apple cider vinegar is one of the easiest fermented foods to obtain. You can buy it from almost any grocery store. Add it cold to salads or add a tablespoon to a glass of water. (Take one "dose" per day for better digestion.) [2018] - Steven Lin