Quotes of the Day

Most provinces and states have services where you can do credit checks. There is also a company called TVS (Tenant Verification Services) that run credit checks (tenantverification.com). There's always a fee for credit checks, and we typically pay somewhere between $7 and $15 per applicant. If you go through a one-time service like TVS you'll pay twice that. If you have two people moving in make sure you check the credit of both. It will be twice the price, but knowing the credit and history of both tenants is crucial. [2013] - Julie Broad

We recommend a micronutrient analysis--and a company called SpectraCell Laboratories performs it using patented technology. The next test that we recommend is called the OmegaCheck. It's also a SpectraCell test, but this one will determine your current levels of omega-6 and omega-3. The spectraCell hormone, thyroid, and adrenal test is a specialized blood test that will give you a clear picture of your current hormone functions so that you'll be able to identify areas that may be causing bone loss and work to improve them. All of these SpectraCell tests can be purchased online at SpectraCell.com or at RebuildYourBones.com. Additionally, many forward-thinking physicians also offer these tests to their patients. [2019] - Mira Calton

Friends and family matter most during hard times. [2009] - Liz Miller

Expected returns should be viewed with a time horizon of at least 20 years. If your target rate of return is 5% or 6%, then a portfolio of 60% stocks probably isn't going to cut it. If you're comfortable with a more aggressive approach, that's fine, but remember that most people over-estimate their risk tolerance. If possible, you should consider increasing your savings rate or giving yourself more time. [2021] - Dan Bortolotti

Make sure that you put a condition in your offer that says "subject to purchaser obtaining a home inspection satisfactory to the purchaser within X days of acceptance of the offer. In addition to the need for a home inspection, you might also be able to obtain a "vendor's disclosure statement." [2006] - Douglas Gray