Quotes of the Day

TruDiagnostic provides the DunedinPACE result and metrics for immune cell function, "fitness," telomere length, and other reports; GlycanAge ($348 for one test, $599 for two); Generation Lab (4 biological age tests for $149 per month and a VIP program for $3,499 per year). Companies including Tally Health, Elysium Health, and Novos Labs offer aging clocks and supplements to pair with them. I don't recommend any of these tests (or supplements), including telomere length and epigenetic clocks. There are useful in research studies, but there is lack of clinical validation from rigorous randomized trails that having some body clock information leads to improvement in metrics or health outcomes. [2025] - Eric Topol

Modern Portfolio Theory says that the volatility/risk of a portfolio may differ dramatically from the volatility/risk of the portfolio's components. In other words, you can have two assets with both high standard deviations and high potential returns, but when combined they give you a portfolio with modest standard deviation but the same high potential return. The key to whipping up such pleasant combinations is to find two or more holdings that do not move in synch: One tends to go up while the other goes down (although both holding, in the long run, will see an upward trajectory). The lower the correlation, the better. [2013] - Russell Wild

In the absence of usable market data, many investors like to use a vacancy allowance in the range of 3% to 6%. An exception to this rule of thumb usually occurs in the case of a newly built project that is being leased for the first time. Vacancy during the initial lease-up period can be much higher. Conventional wisdom also has it that a property whose actual vacancy history is close to zero has probably been rented at less than market rates. In other words, if you don't experience some vacancy, you're just not charging enough. [2004] - Frank Gallinelli

Success or failure on business has to do with work ethic, determination, and desire. First, you have to be able to sell. Second, you have to be able to attract, build, and motivate a great team. The third element is your ability to teach others in the business how to sell, how to be great team players, and how to succeed. It is this skill that ensures growth, profit, and longevity. [2005] - Robert T. Kiyosaki

Your photo: Eye contact with the camera signals trust and openness; a genuine smile signals approachability, confidence, and happiness, and open body language signals you're open as a person. A lifestyle portrait generally looks more intimate when the subject is leaning (slightly) forward or sideways with one elbow on something, and when his or her shoulders are not as symmetrical as they would be in a passport photo. Look at a few fashion magazine covers and you'll see what I mean. [2004] - Nicholas Boothman