Quotes of the Day

Be a good animal (physical), a good craftsman (mental), a good friend (social), and a saint (spiritual). [2004] - Stephen R. Covey

Most financial firms sell expensive products: actively managed funds or (even worse) insurance-linked investment schemes. [2022] - Andrew Hallam

For a given shift in interest rates or financial strength, changes in the market value of long-term bonds will be much greater than price changes of short-term bonds. For example, a 1% increase in interest rates would cause the market price of a 3-year $10,000 bond to decline by around 3% or $300; whereas a $10,000 30-year bond would likely drop in price by around 20% or $2,000. (Note that bond market price changes don't much matter if you hold a bond to maturity.) [2018] - Larry Bates

Marrying for a second time when there are no children poses fewer complications and problems. However, former spouses, living or dead, may still impact the relationship. The newly divorced may still have joint ownership with the ex-spouse of a home, condominium or other assets. In addition, there may also be substantial liabilities of which they are unaware and which can seriously impact a new marriage. It is incumbent upon the couple to disclose and discuss such items with each other so there are no unpleasant surprises after the couple marries. [2011] - Isabelle Fox

Only about 20% of the therapists and counselors you will encounter are highly competent and effective. Ask around and get referrals. Most therapists specialize in one approach or type of therapy. There are three approaches I especially recommend--Gestalt therapy, psychosynthesis, and neurolinguistic programming (more popularly known as NLP). [2005] - Jack Canfield