Quotes of the Day

You have to look at rolling 20-year periods before there's a very high probability of equity returns close to 8% average. This means if your time horizon or temperament prevents you from thinking that far ahead, you need to dampen your portfolio with an allocation to high-quality bonds. This will lower your expected return, but that is the inevitable trade-off between risk and reward. [2021] - Dan Bortolotti

Sex improves with age. Many older adults report that sex is as good as or even better than it was when they were 40. The frequency of climax for women increases with each decade into their 80s. Even though men have less forceful ejaculations, and need more time for a repeat erection, they still enjoy orgasm. Age also provides more free time, few children, and no concerns about pregnancy. However mature adults still have to worry about sexually transmitted diseases. Specialists in sex and aging say 70% of people over 60 who have regular partners have sex at least once a month. [2005] - Sharon Romm

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

Companies that successfully minimize their start-up cost and debt before they open for business and start generating revenue quickly have a much better chance of survival. [2004] - Gary Keller

Time and time again anxiety usually emerges as the number one cause of insomnia. Many people worry that if they "don't get to sleep sooner" their productivity will suffer at work or they'll feel exceedingly bad during the day. Their anxiety about the consequences of not sleeping ratchets up to fear, and before long, they're in such a state of vigilance that they're as far from sleep as it's possible to be. But bad sleep is much more dangerous in your mind than it's in real life. Just because you got little to no sleep the night before doesn't mean you can't handle the next day. I'm not saying your day will be chocolates and roses. I just don't think you'll end up being truly dysfunctional. [2017] - W. Chris Winter