Quotes of the Day

Sleep itself has 3 important phases. The foundation state is light sleep. Deep sleep is our most restorative sleep but you have to pass through light sleep to get there. The third kind of sleep is dream sleep (REM sleep). Dream sleep is when the vast majority of dreams occur. Light sleep is the doorway to both deep sleep and dream sleep. It's not common to go from wakefulness directly to dream sleep or from wakefulness directly to deep sleep. Furthermore, it's uncommon to transition directly from deep sleep to dream sleep. Doing so can be a clue to determining what's wrong with someone's sleep. [2017] - W. Chris Winter

If your employer offers a group savings program, you should probably take full advantage, especially if the employer matches at least part of your contribution. Defined benefit pension plans are rare in the private sector these days, but many companies offer defined contribution plans and group RRSPs. Many workplace plans even offer index funds as options. these are rarely as cheap as ETFs, but if your employer is matching part of your own contributions, it will more than offset any additional fees, and the automatic payroll deductions will enforce those regular savings. [2021] - Dan Bortolotti

With commercial mortgages, your personal credit is not irrelevant, but you will find that the lender is particularly interested in the ability of the property to produce income. [2004] - Frank Gallinelli

Always to have in the account, at the very least, ten times the amount of margin required for a typical trade. [2009] - James Chen

Men apparently look for healthy and vital women, and women look for men who can provide economic and physical security, especially during their childbearing years. The vast majority of women want more communication than their male counterparts, and they are also better able to communicate well. [2002] - Neil Clark Warren