Quotes of the Day

Ask for referrals when clients are most receptive. This could be when they have just bought your product or service. This could be when you have done something great for them such as given them a large refund, a good sale, paid off a claim, or fulfilled your promised service or obligation. This could be when something special has happened in their lives such as a marriage, the birth of a child, a promotion, a special honor, being elected to a special office, retirement, or a transfer. [2000] - Jay Abramham

Great transfers of wealth often occur when laws and markets change. So it is important to pay attention if you want to have those changes work in your favor and not against you. [1999] - Robert T. Kiyosaki

The 4-7-8 Breathing, made famous by Dr. Andrew Weil, places the body into a state of deep relaxation. I use it on long flights to help fall asleep. 1) Take a breath in, then exhale through your mouth with a whoosh sound. 2) Close the mouth and inhale quietly through your nose to a mental count of four. 3) Hold for a count of seven. 4) Exhale completely through your mouth, with a whoosh, to the count of eight. 5) Repeat the cycle for at least four breaths. Weil offers a step-by-step instructional on YouTube at https://www.youtube.com/watch?v=YRPh_GaiL8s. [2020] - James Nestor

Don't touch: Germany, Japan, England, USA & Canada, Australia, New Zealand, Estonia, Portugal, Northern Europe, Scandinavia. Do touch: India, Turkey, France, Italy, Greece, Spain, Middle East, Parts of Asia, Russia. [2004] - Allan Pease

Investing 100% of your savings in paying down a mortgage can be a winning strategy, especially for those who do not want any stock market risk. Applying all long-term savings to mortgage paydown means giving up the potential that stock market returns will exceed your mortgage 'investment' returns (your mortgage rate) over time. Given that mortgage rates are so low, it won't take much for the stock market to outperform. So, some combination of mortgage repayment and tax-sheltered stock investments (in TFSA and/or RRSP) probably makes sense for most Canadians. [2018] - Larry Bates