Quotes of the Day

Investment vehicles in which the rich invest that the poor and middle class do not include initial public offerings of stock (IPOs), private placements, and other corporate securities. [2000] - Robert T. Kiyosaki

A qualified investor (stock traders and analysts) recognizes that the current p/e is not as important as the future p/e. [2000] - Robert T. Kiyosaki

When the term of your mortgage ends, you have the option to renegotiate or seek refinancing. Refinancing is a good move if interest rates have decreased. It also makes sense if you've experienced a significant improvements in our gross debt-to-service ratio. On the other hand, refinancing may not be such a wise move if changes in the value of your property and your personal financial situation conspire to limit your ability to borrow. Speak with your mortgage broker and, if you wish, your accountant and financial planner before you refinance. [2020] - Douglas Gray

Yoga is for anybody who’s interested in gaining flexibility, strength, and balance. If you are a beginner, try hatha yoga (preferably at a smaller studio rather than a gym), which is a broad category of practice that focuses on learning yoga poses that promote stability, strength, and controlled breathing. Of these, the Iyengar style emphasizes proper alignment, which is crucial to master if you want to progress to more advanced practice, including the popular Vinyasa or Bikram variations. As a person with acid reflux, you must avoid certain poses, such as inversions. You should also pay attention to the most ubiquitous pose, the downward dog, to see if you notice any reflux symptoms. [2017] - Jonathan Aviv

Commercial buildings are generally valued on the basis of their rental income. Typically, banks will lend 50 percent of the appraised value of a commercial property. It is generally much easier to instantly increase the value of a commercial property from the low purchase price you paid to the new appraised value after you have owned the property for a few weeks. The reason is simply that an empty residential property still appraises for close to what its value would be if it were occupied. However, an empty commercial building is not worth much at all. [2001] - Dolf de Roos