Quotes of the Day

We currently recommend 2,000 IU of vitamin D in your multivitamin. We prefer a liquid vitamin D3. When trying to increase your bone density (and especially if you're taking extra calcium), we suggest taking a liquid vitamin K2 (MK7) supplement at around 120-240 mcg daily, on top of what is in your multivitamin. Make sure not to purchase a combination D3 and K2 supplement (the two nutrients will compete). Most physicians recommend taking 1,300 mg of calcium a day (including supplement and calcium-rich foods). Calcium cannot be absorbed at over 600 mg in a single serving. You don't have to worry about the studies where excess calcium caused arterial calcification, as long as you make sure to take your extra vitamin K2. [2019] - Mira Calton

An interior decorator is hired to come in and determine what new furniture should be obtained and where to place it. Most of the new furniture is rented. In the bedroom, you can dress up an old bed with a new bedspread. A dining or kitchen table can be disguised under a long, new table-cloth. Legs of furniture can be buffed and polished to hide scuffs, scratches, and stains. A new rug of even the poorest quality usually looks far better than an older, worn expensive rug. [2003] - Robert Irwin

Improve your subject line by using extra white space creatively, adding text symbols, starting each word with a capital letter, asking compelling questions, not making any unbelievable claims, and not using the word FREE. [2007] - Bruce C. Brown

The lowest risk/no risk customer could receive the prime rate of interest (lowest) from a loan. Higher-risk businesses (a borrower who has few assets, has only recently become employed or is self-employed, or has a spotty credit record) could be paying prime +1% to prime +8%, if they can get any funds at all. [2006] - Douglas Gray

Horizons Canada offers three swap‐based ETFs on the Canadian market. Its Horizons S&P/TSX 60 index ETF costs just 0.03 percent. It tracks Canada's 60 biggest stocks. Horizons S&P 500 index ETF tracks the US market. It costs 0.12 percent. And Horizons' Canadian Select Bond Universe ETF costs 0.17 percent. Most indexes physically hold stocks or bonds within them, but not these. Instead, they're like contracts backed by the National Bank of Canada, promising investors the full return of a given index as if all dividends or interest were reinvested. Because investors don't actually own the index's holdings directly, they aren't charged dividend taxes on the stock indexes or income taxes on the bond index. [2018] - Andrew Hallam