Quotes of the Day

Asking, "How much is it?" is THE BIGGEST buying signal. Telling me, "Your price is too high." is THE SECOND BIGGEST buying signal. [2005] - Jeffrey Gitomer

If your customer rejects your close, make a second effort. Acknowledge to find out why the customer is saying no, address the obstacle, and, as appropriate, close again. [2003] - Linda Richardson

Researchers consistently found that greater muscle mass led to better outcomes across a wide range of conditions. Patients with more muscle had better overall survival rates, better responses to cancer therapies, and better outcomes where chronic obstructive pulmonary disease was a factor; they also showed decreases in Alzheimer's disease, length of stay in the ICU, and complications due to surgery. [2021] - Philip Shepherd

If you have hit your 50s, you should have a net worth about eight times your salary accumulated. If you don't, you'll have to up your savings rate to as much as 25% or 30%, delay your retirement, or reconcile yourself to a much simpler lifestyle when you do retire. You should aim to have 11 times your salary socked away by the time you hit age 60. [2013] - Gail Vaz-Oxlade

Some bankers include your credit potential in their TDS (total debt service) calculations. This means that if you have a credit card or PLC (personal line of credit) with a significant unused balance, a banker may calculate what the payment would be if you maxed the credit card or PLC, thus reducing your ability to obtain a mortgage. If your banker insists on doing this, go somewhere else because other lenders may not be required to underwrite that way. [2009] - Don R. Campbell