Quotes of the Day

As long as you switch from one tax-sheltered account of the same type (as in RRSP to RRSP, and TFSA to TFSA) there will be no tax consequences. You just carry on. If you switch out of a regular, non-sheltered account and sell assets (like mutual funds) to reinvest in new assets (like index ETFs) there may be tax consequences. [2018] - Larry Bates

We don't fall in love with other people; we fall in love with the feelings we get when we are with them. When you fall for someone new, there are the head-spinning feelings of excitement and desire, but there's also tension. When you meet your matched opposite, however, that tension is replaced by an enormous, unmistakable sense of calm--and relief. [2004] - Nicholas Boothman

Lavender is a trigger for sleep if you use it consistently in your bedroom, but some small studies suggest lavender might be in and of itself sleep promoting. My favorite lavender spray is the two-ounce Aura Cacia Pillow Potion. I like this because I can keep it in my carry-on (for spraying in my Marriott Hotel room), and it won't get confiscated by the airline TSA agents. [2017] - W. Chris Winter

Many mortgage lending credit-risk departments want you to have no less than $50,000 in investable assets outside of real estate for every property you own. They do this for two reasons: 1) they want to see investment diversification so you do't get into financial trouble; and 2) they want you to have the backup liquidity to endure a surprise maintenance cost or short-term tenant strife. [2017] - Calum Ross

I recently examined data from my reflux patients using the Reflux Symptom Index. Here were the symptoms, in decreasing order of frequency: 1. Too much throat mucus 2. Chronic throat clearing 3. Hoarseness 4. Lump-in-the-throat sensation 5. Chronic cough 6. Heartburn 7. Difficulty swallowing 8. Choking episodes [2015] - Jamie Koufman