Quotes of the Day

Compared to reading a printed book, reading on an iPad suppressed melatonin release by over 50 percent at night. Indeed, iPad reading delayed the rise of melatonin by up to three hours, relative to the natural rise in these same individuals when reading a printed book. When reading on the iPad, their melatonin peak, and thus instruction to sleep, did not occur until the early-morning hours, rather than before midnight. Unsurprisingly, individuals took longer to fall asleep after iPad reading relative to print-copy reading. [2017] - Matthew Walker

Always delay discussion of pricing until the end of the presentation, when the prospect clearly wants to enjoy the benefits that your product or service offers. [2004] - Brian Tracy

I'll use the SPDR Gold Trust (the biggest one) as an example of how gold ETFs work. When the buy order is processed, two things happen. First of all, the fund issues 10 shares to cover the investor's purchase. Then the fund uses the purchase money to buy an ounce of gold, which is added to the SPDR Gold Trust hoard in London. This means that outstanding shares rise as the ETF's gold stock grows. The opposite process occurs when a SPDR investor decides to sell. His shares are redeemed, and the fund sells the corresponding amount of gold from its stock. [2009] - James DiGeorgia

Gum recession can cause pain and tooth sensitivity, but it's not an indicator of poor mouth health. In fact, recession often occurs in healthy mouths from overuse of the wrong kinds of products (like baking soda, whitening pastes, or peroxide) or an excessive amount of flossing. Filling the erosion grooves in enamel is often a recommendation. This type of filling on the sides of teeth is called a Class V (five) filling, and they often fail and need constant replacement-which risks the health and vitality of these teeth. Ask your dentist why he/she recommends the filling of these eroded areas, and maybe discuss what he/she thinks about the idea of a delay in treatment. [2025] - Ellie Phillips

There are three general strategies for rebalancing: 1) By the calendar - e.g. once a year; 2) By thresholds - rebalance only when an asset class is off by an absolute 5% or a relative 2.5% (for asset classes with smaller targets like 10% allocation to emerging markets); 3) With cash flow - whenever you add new money or make withdrawals. If you're in the drawdown stage and no longer adding money to the portfolio, you can also rebalance with cash outflows. For example, if you're taking income from a RRIF in retirement, you'll be required to make prescribed withdrawals from the account each year. You can use this opportunity to rebalance the portfolio at the same time. [2021] - Dan Bortolotti