Quotes of the Day

It's important to mentally prepare ourselves for sleeping. For me, this means avoiding anything that might create stress or anxiety, such as reading work emails or especially checking the news. Another way to turn down the sympathetic nervous system and prepare the brain for sleep is through meditation. There are several good apps that can help with guided meditations, including some that are focused entirely on sleep. [2023] - Peter Attia

The important thing is that we keep moving when we know it's the right move. Not many that I know of provide the appreciation that real estate does. And you don't have to pay taxes on it if it's your primary residence. When you take a line of credit, if you position if properly, there is an option to pay only the interest portion. If you are looking at a property in a high demand area and feel the prices will go up, you could buy now on your line of credit and pay the line of credit off as you are able. The appreciation on the property will likely increase more than your monthly interest payments. [2021] - Shazia Virani

In 2018, for an individual who is aged 65 or over, the absolute "sweet spot" in terms of annual Net Income is $36,976. Once Net Income exceeds this level, the Age Amount, which is used to factor the Age Credit, begins to be reduced. So by keeping below that level of Net Income, you're going to have the full benefit of this valuable tax credit. In addition, all of the retirement income for the year will be taxed at the lowest possible marginal rate. [2019] - Daryl Diamond

Ledger Nano S hardware wallet (priced at $99) is one of the most popular and highly rated secure wallets out there. Trezor Bitcoin hardware wallet (created by SatoshiLabs) is another example. One catch about these is that if the USB drive dies, all your cryptos go with it. That’s why you should always have a backup and keep your security codes elsewhere so that you can recover your assets. Coinomi (www.coinomi.com/) is a popular multicoin mobile wallet. It supports more than 200 different digital tokens and a number of blockchains. Exodus (https://www.exodus.io/) is another multicoin wallet, available only on desktop. [2019] - Kiana Danial

The best hope for decent returns in the years to come - by which I mean a return of 5% a year, not 8% - is to invest in stocks, risky as they are. I would recommend a 60-40 asset mix over 50-50 in the case of a recently retired couple, provided they have some tolerance for risk. [2020] - Frederick Vettese