Quotes of the Day

When I started publishing my writing online, I wrote hundreds of blog posts that didn't earn a cent. But after two years in the Medium Partner Program, I made up to $8,000 on a single article. I had similar success with YouTube and affiliate marketing, starting as a beginner with no prior experience and eventually growing my income from nothing to hundreds or thousands of dollars per month. [2022] - Kristin M. Wilson

Most disabilities are caused by medical problems, such as arthritis, heart conditions, hypertension, and back/spine or hip/leg impairments. The vast majority of these medical problems can't be predicted in advance, particularly those caused by random accidents. Being without disability insurance is a risky proposition, especially if, like most working people, you need your employment income to live on. If you're married and your spouse earns a large enough income that you can make do without yours, consider skipping disability coverage. The same is true if you're already accumulated enough money for your future years (in other words, you're financially independent). [2019] - Eric Tyson

Zinc lozenges appear to shorten colds by about 3 days, with significant reduction in nasal discharge (by 34%), nasal congestion (by 37%), hoarseness (by 43%), and cough (by 46%). The best way to take zinc for the common cold is lozenges containing around 10-15 mg of zinc taken every 2 waking hours for a few days, starting immediately upon symptom onset as either zinc acetate or zinc gluconate without binders such as citric acid, tartaric acid, glycine, sorbitol, or mannitol. Efficacy against more serious infections such as pneumonia may only be present among those with preexisting zinc deficiency. [2023] - Michael Greger

If you believe interest rates are going up, you may be better off with a fixed-rate mortgage. If you're planning to pay down your mortgage in five years of less, a variable-rate mortgage may make the most sense, but if it will take you longer, a fixed-rate mortgage is worth considering. [2017] - Sean Cooper

The answer to the question of whether to contribute to our RRSP or pay down a mortgage does not have to be either/or. While the math shows a considerable interest savings by applying money to your mortgage principal, the growth of an RRSP contribution is also impressive. So here's a sensible compromise. Make the maximum RRSP contribution you can afford from your cash flow and then use the proceeds from your tax refund or the savings in taxes you achieved by filling a Form T1213 to pay down your mortgage. [2013] - Gail Vaz-Oxlade