Quotes of the Day

With property you can generally tell when a market is low. Advertisements tend to state things like: "any offer considered," "Vendor financing available," "Come and make a deal," "Settlement terms to suit the buyer." [2001] - Dolf de Roos

Fidelity Investments offers zero-fee index funds for Americans. [2022] - Andrew Hallam

The older you get, the less heart-essential coenzyme Q10 you have. Not so good, since 95% of the energy produced by the body depends on this electron transport chemical, making it important to eat more energy-producing greens, grains, and beans. [2009] - Frances Sheridan Goulart

There are two practices that I try do every week. The first is the 5BX program developed by the Royal Canadian Air Force. I also do a session of high-intensity interval training (HIIT) once a week. I settled on a 9½-minute HIIT workout that I've adapted from one descripted by fitness expert Clarence Bass. Here's how it goes: 1) 3-minute easy warmup; 2) 30 seconds all-out sprint; 3) 1½ minutes easy recovery; 4) 30 seconds all-out sprint; 5) 1½ minutes easy recovery; 6) 30 seconds all-out sprint; 7) 2 minutes easy cool-down. [2021] - Philip Shepherd

TFSAs will generally produce a better ultimate result versus an RRSP if your marginal tax rate at withdrawal is higher than your marginal tax rate when you contribute. TFSAs are almost always a better choice for lower-income investors (below $40,000 in annual income). RRSPs can produce better results for higher-income earners who expect their marginal tax rate at the time of withdrawal to be lower than at the time of contribution. Remember, a dollar in your RRSP is worth less than a dollar in your TFSA. To help 'equalize' the real after-tax value of an RRSP contribution with the value of a TFSA contribution, contribute your tax refund to your RRSP as well. Alternatively, put your tax refund toward your TFSA. [2018] - Larry Bates