Quotes of the Day

During REM sleep, cortisol is suppressed, and your metabolic rate increases. When you don't sleep well, you get less REM in the second half of the night, and that results in higher levels of cortisol and insulin, which stimulate appetite and lead to greater insulin resistance. This means that a bad night of sleep can throw you into a temporary prediabetic state. Studies have shown that even one night of partial sleep, or one night without enough REM sleep, can lead to elevated cortisol the next afternoon or evening, along with changes in the hormones and peptides that regulate appetite and lead to greater feeling of hunger. [2017] - Elizabeth Blackburn

A silver bullion coin could be bought for whatever is the spot price of silver plus a premium of 5-12% to cover production and marketing costs. There are silver commemoratives, medallions, ingots, and other collectibles available, but you'll find that the price of what you are buying will cost far more than the silver content You may not even get as much silver as you think. The standard is .999 fine silver so find out as quality can vary. Collectibles and numismatic coins require more diligence, effort, and expertise in both buying and selling them. [2008] - Paul Mladjenovic

Many retirees don't have work-related pensions and it makes sense that they should "pensionize" some of their savings by creating a guaranteed monthly income, i.e. annuities. Deal only with the top-rated companies--annuities are no good if the insurance company dies before you do! Also, even though I think annuities are underutilized, don't go overboard here. Annuities are appropriate for a percentage, not all, of retirement portfolios. [2011] - David Chilton

Various Sources of Retirement Income in the Order in which They Are Best Engaged: Government Sources of Income (OAS -> CPP) -> Corporate Sources of Income (Employment Income -> Pensions -> Severance Packages) -> Personal Sources of Income (Taxable Distributions from Non-Registered Assets -> RRSPs -> RRIFs -> TFSA -> Home Equity) [2019] - Daryl Diamond

It has been observed that cancer often appears 18 months or two years after some adverse life event, such as divorce, bereavement, a financial crisis or loss of a job or of an important relationship. [2013] - Charlotte Gerson