Quotes of the Day

If you're going to own a home for only a few years, you should select an ARM (adjustable rate mortgage) to benefit from its lower start rate. You can nearly always find an adjustable that will cost you less than a 30-year fixed-rate loan if you plan to sell within seven years. Typically, ARMs apply margins that range between 2.25 and 2.75 percent. [2003] - Gary W. Eldred

The following is a list of documents you may receive from the seller: seller disclosures (most states require that the seller disclose any known defects in a property before selling it), seller's tax returns (to get these - simply ask them), current leases, current rent roll, tenant estoppel certificates, current year's tax bill, recent utility bills (either ask for specific bills or call up the local utility companies and get the information directly from the source. Also verify who pays for which utility, and always check to make sure the utility bills have all been paid), security deposit (make sure you are given the correct cash at closing), HOA documents. [2015] - Brandon Turner

If you're standing and waiting at the bus stop or watching a football match on the sidelines, and you have good balance, do some low-level jumps - just a few inches off the ground. Try a jog/walk - walk for 2 minutes, do 10 (or 20) jogging steps, walk for 2 minutes and so on. Aim for at least 50 joggings steps during your walk. If you have had spinal fractures or are breaking other bones easily, do lower-impact activities like brisk walking, especially if you still have pain. [2019] - Diana Moran

The peril posed by iron is unique among all dietary minerals. It's the most abundant and potent oxidant in the body but your body doesn't have a way to get rid of excess iron, unlike other minerals. Iron in food and supplements appears to be one of the most--if not the most--potent dietary drivers of increased cancer risk. In an alarming study of over 300,000 people in Taiwan, cancer risk increased with increasing serum iron. Other, smaller studies also show increased risk of certain cancers with increasing body iron stores. [2016] - Preston Estep III

You don't need a retirement income that is fully adjusted for inflation for 35 years. And in many cases, it's not beneficial to defer all of your registered accounts for as long as possible. And what about becoming more conservative with your investments as you get older? Perhaps this would be wise, but remember that you'll still continue to need some element of growth in your accounts. [2019] - Daryl Diamond