Quotes of the Day

In nearly every instance, you can say one thing for certain about an REO: The lender wants to sell the property as quickly as possible. Buying an REO directly from a lender typically presents no more risk than buying directly from any other property owner. Normally, you can buy an REO much more safely than you could have bought the same property at its foreclosure sale. You might even be able to buy at a lower than market value price. You can find REOs in three different ways: follow up after a foreclosure sale; cold call lender REO personnel; locate Realtors who typically get REO listings. Rather than ask for a complete list of REOs, narrow your focus. Tell lenders what you're specifically looking for in terms of location, size, price range, floor plan, condition, or other features. In that way, a lender can answer your request without disclosing the full number of REOs within its inventory. [2003] - Gary W. Eldred

Mood reflects the biology of the brain. How you feel is affected by the chemicals in the brain, and these are the same chemicals that form the basis of mood-altering drugs. You may use yoga, meditation, cognitive behaviour therapy (CBT) or exercise to alter your mood, or revert to healthy eating, regular exercise and getting enough sleep. [2009] - Liz Miller

Some forms of income are not subject to taxation. Gifts or inheritances, life insurance proceeds, personal injury awards and lottery winnings are common examples. Some social benefits such as Workers' Compensation, the Guaranteed Income Supplement, and Spouse's Allowance are not taxable but must be considered in Net Income for the purpose of calculating refundable and non-refundable tax credits. [2019] - Daryl Diamond

Erythritol is derived from corn, and because the body does not recognize this product, it will be touted as calorie-free. Like all zero-calorie products, this may not be a healthy attribute, and I do not promote erythritol or suggest you mix it with xylitol or allow yourself to be swayed by research that asks you to believe that erythritol is superior to xylitol. [2018] - Ellie Phillips

Getting up earlier, exercising each morning before you start out, listening to audio programs in your car, going to bed at a certain hour, planning every day in advance, starting with your most important tasks each day, or completing your tasks before you start something else. There are habits of medium complexity that can be quite easily developed in 14 to 21 days through practice and repetition. [2004] - Brian Tracy