Quotes of the Day

Pension fund managers are more likely to know oodles more about making money in the markets than financial advisers or brokers. Most pension funds have their money in a 60/40 split: 60 percent stocks and 40 percent bonds. [2017] - Andrew Hallam

With unsecured LOCs, the maximum credit limit you can hope for is usually in the tens of thousands of dollars. With secured LOCs, credit limits can easily reach the hundreds of thousands of dollars, depending on the value of your collateral, because the lender can take possession of your collateral if you don’t pay back what you owe. Having collateral usually allows you to access higher credit limits, lower interest rates, and more flexible repayment terms. Secured LOCs also often allow you to make interest-only payments. A personal LOC is an example of an unsecured LOC. Home-equity lines of credit, or HELOCs, are the best-known type of secured LOC. [2021] - Erica Alini

Women are constantly judging a man's value in order to determine if it can help them with their life objectives of survival and replication. Women tend to respond to status and social proof. [2005] - Neil Strauss

Most socially responsible investment (SRI) indexed mutual funds and ETFs charge slightly higher fees than their traditional indexed counterparts. But their returns don’t suffer. Some studies say they beat traditional indexes. Other studies show they slightly lag. Much depends on the time periods measured. Canadians can buy socially responsible all-in-one portfolio ETFs: iShares ESG Conservative Balanced (GCNS, 40% in stocks, 60% in bonds), iShares ESG Balanced (GBAL, 60% in stocks, 40% in bonds), iShares ESG Growth (GGRO, 80% in stocks, 20% in bonds), iShares ESG Equity (GEQT, 100% in stocks, 0% in bonds). [2022] - Andrew Hallam

Where HIIT intervals are very short, typically measured in seconds, VO₂ max intervals are a bit longer, ranging from 3 to 8 minutes-and a notch less intense. I do these workouts on my road bike, mounted to a stationary trainer, or on a rowing machine, but running on a treadmill (or a track) could also work. The tried-and true formula for these intervals is to go 4 minutes at the maximum pace you can sustain for this amount of time-not an all-out sprint, but still a very hard effort. Then ride or jog 4 minutes easy, which should be enough time for your heart rate to come back down to below about 100 beats per minute. Repeat this 4-6 times and cool down. [2023] - Peter Attia