Quotes of the Day

In my experience, the leads I get on Craigslist tend to be higher-quality applications than those from other sources, though that could just be my area. I recommend using the free website Postlets.com to create your ad, because this will give you some basic HTML code you can simply copy and paste into the Craigslist ad to stand out. [2015] - Brandon Turner

Get a professional photo. This is very important. [2003] - Darryl Davis

Although most often you must guard against appraisals that come in too high, sometimes you might encounter a lender's appraisal that comes in too low to justify the amount of your mortgage loan. In some instances lenders have used low appraisals to turn down loans they didn't want to make. At other times lender appraisers give low appraisals in response to tightened government regulations. [2003] - Gary W. Eldred

Should I take my Canada Pension benefit early or wait until I'm 65? The first rule in layering your income: Use the least tax-efficient and least-flexible sources of income first. The CPP follows right behind OAS in that regard. If you're retired, my recommendation is usually to start it as soon as you can. You should take the CPP payment rather than use your own personal assets to generate income. The cumulative sum of payments for a retiree starting his or her CPP at age 60 equals the total received by someone starting at age 65 at age 73.9. It works the same way here with early versus deferred pension payments. Including the time-value adjustment of those earlier payments would move the crossover closer to age 77. [2019] - Daryl Diamond

Operating expenses include marketing, rent, salaries, equipment and suppliers, advertising, etc. As your business grows, this can reasonably be held at or below 30 percent of gross revenue (GCI). [2004] - Gary Keller