Quotes of the Day

There are a few banks out there that offer PLCs (personal line of credit) you may choose to avoid. Here's what to watch out for: a. The bank requires a minimum monthly payment on a secured PLC, made up of a combination of the interest and some principal. A common amount for these payments is 3% of the outstanding balance (as opposed to interest only, which is usually less than 1% per month) . b. The PLC has an annual or monthly fee. c. The bank makes you re-apply for the PLC or package service each year. d. The bank places the PLC interest rate on their "personal loan base rate" (or some other fancy name) which is 0.5% or more above prime. You may think you're getting a prime plus 2% rate, when in fact you're being charged prime plus 2.5%, or even more. [2009] - Don R. Campbell

Red tea should ideally be simmered for at least 5 minutes. Brew black tea for 4 minutes, green tea for 3 minutes at 85°C, and white tea for 7 minutes at 98°C. Surprisingly, bags are better than bulk, because the leaves in tea bags are much more finely chopped, allowing for greater extraction. [2023] - Michael Greger

Throughout Asia, the shoots of bamboo plants are a popular vegetarian dish that is extremely high in dietary fiber and bioactives. Fresh, raw bamboo shoots harvested from the forest contain small amounts of a toxin related to cyanide. Cooking the shoots by boiling for 10–15 minutes removes most of the toxin. Don’t go foraging in the jungle to find and eat raw bamboo. [2019] - William W Li

Phoning is more personal and is actually less time-consuming than reading an e-mail. And, if it is a delicate or legal matter, you are not leaving an e-mail trail. [2009] - Leil Lowndes

The challenge is not to manage time, but to manage ourselves. Rather than focusing on things and time, focus on preserving and enhancing relationships and on accomplishing results. [2004] - Stephen R. Covey