Quotes of the Day

We should have all these tests by the time we’re fifty: Blood Glucose/HbA1C, Blood Pressure, Colonoscopy, HDL and LDL Cholesterol and Triglycerides, Mammogram, Pap Smear, Prostate Cancer Check. The following vaccines are recommended: Flu Shots, Pneumococcal, Shingles, Td/Tdap. [2020] - Nir Barzilai

Many sales representatives flog offshore pensions from companies like Zurich International, RL 360, Friends Provident, Generali, Aviva, and Royal Skandia (Old Mutual) without realizing their clients are usually charged on three levels: annual management costs, establishment costs, and hidden mutual fund management fees. Sometimes, there are also “mirror fund” charges. Some of the more common brokerages selling offshore pensions include the deVere Group, Montpelier Financial Consultants, Austen Morris Associates, Globaleye Financial Planning, the Henley Group, Gilt Edge International, Warrick Mann International, the Alexander Beard Group, SCI Group Ltd., W1 Investment Group, Holborn Assets, and the Sovereign Group. [2018] - Andrew Hallam

Income/Financing Ratio: 65% of income should be the maximum financing (mortgage principal and interest) cost. E.g., if rent is $2,000/month, financing should not exceed $1,300/month (2,000 x .65 = $1,300). [2013] - Julie Broad

As a rough rule, if you have $50,000 to invest, consider something in the ballpark of a 5-10 ETF portfolio, and if you have $250,000 or more, perhaps look at a 15-25 ETF portfolio. Having may more ETFs than this won't enhance the benefits of diversification but will entail additional trading costs every time you rebalance your holdings. The Nonwealthy investor can build a pretty well-diversified portfolio with just four ETFs: one small value, one small growth, one large value, and one large growth. We hold a similar philosophy when it comes to global investing: U.S., Europe, Asia, emerging markets....  [2013] - Russell Wild

Dental disease is preventable, and cavities in the early stages are completely reversible. With correct care, a cavity can be stopped and reversed, heal naturally, and never need a filling. [2018] - Ellie Phillips