Quotes of the Day

A smile is always good bait. [2006] - Leil Lowndes

Pizza is heavy on sodium – even if you do load it up with pineapple pieces to ‘balance’ the health benefits. Pepperoni alone is already loaded in salt, much less the tomato sauce and the bread. [2017] - Mark Evans

The gross debt service (GDS) ratio looks at the portion of your gross monthly income needed to cover your monthly housing costs (e.g., mortgage payment, property tax, heating and 50% of maintenance fees). Most lenders in Canada are looking for a ratio of 35% or below, although if you have a credit score over 680, some lenders let you go as high as 39%. Aim for a GDS ratio 30% or below (up to 35% in pricey real estate markets). The total debt service (TDS) ratio takes the gross debt service ratio a step further. It looks at the portion of your gross monthly income needed to cover your monthly housing costs, plus monthly debt payments (e.g., car loan, credit card debt, line of credit, student loan). Most lenders in Canada are looking for a ratio of 42% or below, although if you have a credit core over 680, some lenders let you go as high as 44%. Aim for a TDS ratio of 37% or below (up to 42% in high-cost cities). [2017] - Sean Cooper

GBP is laden with speculators. The British pound trades most actively against the U.S. dollar during the European and London trading hours. The initial movement at the London open may not always be the real one. It works best following the U.S. open or after a major economic release. [2009] - Kathy Lien

The four major roles that each spouse must perform in an enduing relationship: 1) Friend/companion/adviser; 2) Lover and sexual partner; 3) Parent (if there are children); 4) Lifetime business partner (in a partnership that can never be dissolved once there are children). The two requirements for a successful marriage: 1) Possess the emotional capacity to make and sustain an exclusive lifetime commitment to a mate; 2) Be a good match for his/her mate. [2011] - Isabelle Fox