Quotes of the Day

If you don't own a car, rent out your parking place at your condo (just make sure you aren't breaking any rules). [2017] - Sean Cooper

The safest bonds you can buy are first-world government bonds from high-income industrial countries. Slightly riskier bonds can be bought from strong blue-chip businesses such as Coca-Cola, Walmart, and Johnson & Johnson. If you're looking for a safe place for your money, it's best to keep it in short-term or intermediate-term (such as one- to five-year) government bonds or high-quality corporate bonds. You can buy a short-term or intermediate-term government bond index, and you never have to worry about an expiration date. It will keep pace with inflation over time, and you can sell it whenever you want. [2017] - Andrew Hallam

Sleeping pills are best used when people have specific and transient problems with their sleep. Here are some examples: 1) "I travel for work a couple times a month, and I really have problems sleeping in the hotels my company puts me up in. Outside of that, I'm fine." 2) "My husband was just diagnosed with cancer, and I'm really struggling to relax and sleep at night." 3) "I just returned from two weeks in India, and I'm struggling with jet lag." The key with sleeping pill use is having a plan. An essential component of the plan is when you will not take the pill or stop taking it entirely. [2017] - W. Chris Winter

It's preferable to use tax-favoured or non-taxable forms of income once you're over the first federal bracket, assuming that you have non-registered assets. This will put less strain on your income-producing assets and help to conserve and preserve them. From an efficiency perspective, it's usually preferable to have non-registered investment returns in the form of capital gains rather than dividends. The dividend tax credit gross-up inflates your net income figure. What you ultimately want to do is create the amount of after-tax cash flow that you require while keeping your net income figure relatively low. [2019] - Daryl Diamond

It feels harder to acclimate to a new time zone when traveling eastward than when flying westward. The eastward direction requires that you fall asleep earlier than you would normally, which is a tall biological order for the mind to simply will into action. In contract, the westward direction requires you to stay up later, which is a consciously and pragmatically easier prospect. [2017] - Matthew Walker