Quotes of the Day

Some bankers include your credit potential in their TDS (total debt service) calculations. This means that if you have a credit card or PLC (personal line of credit) with a significant unused balance, a banker may calculate what the payment would be if you maxed the credit card or PLC, thus reducing your ability to obtain a mortgage. If your banker insists on doing this, go somewhere else because other lenders may not be required to underwrite that way. [2009] - Don R. Campbell

Effective words and phrases to use in your classified ads include: free, new, amazing, now, how to, easy, discover, method, plan, reveals, show, simple, startling, advanced, improved, and you. [2005] - Robert W. Bly

Global Nomad portfolios (single, globally diversified portfolios that have no home‐country bias) would work well for couples that don't know where they want to retire. They would also suit couples retiring in an emerging‐market country. Emerging‐market countries have small, volatile markets. Retirees who choose to invest with a “home‐country” emerging‐market bias would be taking unnecessary risk. Instead, they could spread their risk across a multitude of global economic regions. [2018] - Andrew Hallam

The way anyone cures themselves of shyness is through enthusiasm. If you're talking with someone, and you are enthusiastic about the topic under discussion, you will forget that you are shy, in your excitement. Only go after a job you feel really enthusiastic about. Seek information only about a curiosity that you feel enthusiastic about the prospect of learning the answers to. [2013] - Richard N. Bolles

Some mortgage documents state very clearly that the whole premises cannot be rented out. This is fairly common with CMHC residential mortgages, as they are generally granted for the benefit of the owner/occupier and not for investment or rental purposes. [2006] - Douglas Gray