Quotes of the Day

You should be earmarking about 20% of your tax-sheltered assets for the purchase of an annuity at the point of retirement. Buying an annuity is not as effective a strategy as it used to be now that interest rates are so low. That can change, though. Don't even think about buying an indexed annuity. [2020] - Frederick Vettese

When it comes to preventing reflux, the type of exercise you do is important. Movements that require intense strain of the abdominal wall, which is essentially your core, should be avoided, as should those that require a sustained crouched position and others that repeatedly put your head below your waist. These include heavy weight lifting, sit-ups, crunches, leg lifts, and similar abdominal exercises (though a properly done “plank” exercise may be well tolerated). Some reflux-safe exercises include cycling; brisk walking; gentle yoga; strength training (no heavy weights); and bodyweight training with short bouts of moderate to vigorous activity. [2017] - Jonathan Aviv

Fringe benefits such as life insurance, health benefits or health plans, vacation or holiday plans, and retirement programs typically add anywhere from 15 to 28 percent to many workers' salaries. [2013] - Richard N. Bolles

I've had better success finding tenants on paid rental websites. Screen applicants from free websites extra carefully. Other places and ways to advertise include libraries, community centres, grocery stores, newspapers, Facebook and word of mouth. [2017] - Sean Cooper

International health insurance: These plans cover you anyplace in the world. Some companies also offer a semi-global option, excluding certain high-priced countries in exchange for a lower premium. Premiums vary, but for a healthy, 60-ish individual, expect to pay roughly $3,000 to $5,000 a year. National, in-country health insurance: These plans provide in-depth coverage in a given country. Ask whether the plan includes a travel-insurance component to cover health emergencies when visiting other countries. Premiums in Latin America generally run 10 to 35 percent less than international plans, while in Asia they can cost $1,000 a year or less. Hospital membership plans: Top hospitals in some countries—notably Costa Rica, Nicaragua, Panama, and Uruguay—offer membership plans that provide steep discounts on services at their facilities, including hospital stays, doctors’ visits, and prescriptions. Monthly fees generally run $25 to $75 per month per person. [2014] - Dan Prescher