Quotes of the Day

Deferring CPP pension to age 70 forces you to draw down your RRIF assets (or other assets) more quickly before age 70, but those same assets last longer because the CPP pension from age 70 and on is so much bigger. This strategy is only for people with significant savings. For a couple, the threshold is about $400,000. For a single person aged 65 at retirement, it would be about half that. You probably will not want to defer your OAS pension unless your income after 65 is high enough to be subject to the OAS clawback rules. In the case of OAS, the pension at age 70 is only 36% higher than at age 65, not 42%. [2020] - Frederick Vettese

Dream sleep typically begins approximately 90 minutes after an individual falls asleep, commonly after a brief stay in light sleep and a cycle of deep sleep. Individuals usually spend about one quarter of their night in REM sleep. REM sleep comes in 20-40 minute cycles, usually about 4-5 times a night. The cycles typically become longer in duration as the night progresses to the longer cycles occur during the second half of the night. The longest cycle usually terminates around the time an individual awakens in the morning. [2017] - W. Chris Winter

If you live in a large city, it's very possible that the MLS will be the main driver of tenants for your property. Homes can be listed for rent on the MLS and real estate agents can help bring you tenants--for a price. You will typically need to pay the agent a fee when the property is rented, but this might be a small cost to get a great tenant. [2015] - Brandon Turner

Your photo: Eye contact with the camera signals trust and openness; a genuine smile signals approachability, confidence, and happiness, and open body language signals you're open as a person. A lifestyle portrait generally looks more intimate when the subject is leaning (slightly) forward or sideways with one elbow on something, and when his or her shoulders are not as symmetrical as they would be in a passport photo. Look at a few fashion magazine covers and you'll see what I mean. [2004] - Nicholas Boothman

Ask for referrals when clients are most receptive. This could be when they have just bought your product or service. This could be when you have done something great for them such as given them a large refund, a good sale, paid off a claim, or fulfilled your promised service or obligation. This could be when something special has happened in their lives such as a marriage, the birth of a child, a promotion, a special honor, being elected to a special office, retirement, or a transfer. [2000] - Jay Abramham