Quotes of the Day

If you choose to manage your own properties, it also means maintaining a book of contacts, such as a plumber, an electrician, a painter, and a flooring installer. If you hire a property manager, he or she will maintain that entire Rolodex of contacts on your behalf, plus handle a thousand small problems you truly don't want to touch. Much property management work is low-wage work, so you will effectively be losing money by spending your time here. [2017] - Calum Ross

I recommend two specific mutual funds: (1) VTSAX (Vanguard Total Stock Market Index Fund). (2) VBTLX (Vanguard Total Bond Market Index Fund). They have rock bottom expense ratios, but also require a minimum investment of $10,000. Vanguard is growing rapidly and is now available in many countries outside the U.S. You can check out the list at www.global.vanguard.com. I tend to avoid ETFs (exchange traded funds) because of the possibility of sales commissions and/or spreads. [2016] - J L Collins

The greatest secret of winners is that failure inspires winning; thus, they're not afraid of losing. [1998] - Robert T. Kiyosaki

Maverick dentist Melvin E. Page calculated the perfect calcium-to-phosphorus ratio of 10:4, phosphorus levels in the blood above 3.5 milligrams per deciliter for bones and teeth, and the correct blood sugar level of 85 milligrams per deciliter for optimal oral health. [2013] - Nadine Artemis

Smiling at the appropriate time, such as during the opening stages of a negotiating situation where people are sizing each other up, produces a positive response on both sides of the table that gives more successful outcomes and higher sales ratios. [2004] - Allan Pease