Quotes of the Day

50:50 Partnership: A joint-venture partner puts up the capital for the down payment. The partners share ownership, with the real estate expert doing all of the work associated with finding, managing and eventually selling the property. Profits are shared 50-50 after the initial down payment is returned to the co-venturer. [2013] - Don R. Campbell

Borrowing to invest in stable, positive-cash-flowing real estate or even high-quality blue-chip dividend-paying stocks, when well executed, is the lowest risk measure you can take to dramatically improve your retirement standard of living and prospects. Dividend-producing stocks and other investment returns are nowhere near as carved-in-stone as real estate's are. You have a high degree of control over a private real estate investment, whereas you have no control over a stock investment. [2017] - Calum Ross

While intermittent fasting and eating "windows" have become popular and even trendy in recent years, I've grown skeptical of their effectiveness. And frequent longer-term fasting has enough negatives attached to it that I'm reluctant to use it in all but the most metabolically sick patients. The jury is still out on the utility of infrequent (e.g. yearly) prolonged fasts. Overall, I've come to believe that fasting-based interventions must be utilized carefully and with precision. [2023] - Peter Attia

The approximate maximum you can borrow when buying a home: mortgage rate = 3% -> 5 times your annual income; 4% -> 4.6; 5% -> 4.2; 6% -> 3.8; 7% -> 3.5; 8% -> 3.2; 9% -> 2.9; 10% -> 2.7; 11% -> 2.5 [2019] - Eric Tyson

Measuring the pH of my saliva has shown me how it becomes more alkaline about half an hour after I have taken vitamins, when I relax in a sauna, or when I bask on the beach during vacation. Many forms of relaxation, including gardening and exercising, likewise seem to have positive alkalizing effects on my saliva. People need to realize that there is no single salivary pH and that one reading that shows a normal pH is not a guarantee that it will remain healthy. Regular readings will help you determine how much protection you have naturally for your teeth and when you may want to be particularly careful during times of more mouth acidity. [2025] - Ellie Phillips