Quotes of the Day

Employees come in two categories: goal-oriented (those who want to get the job done), and task-oriented (those who believe in "busy" work). You must demonstrate good time management, and that you are goal-oriented. [2002] - Martin Yate

NAD is a product of the vitamin niacin and boosts the activity of all 7 sirtuins. A form of vitamin B3 called nicotinamide riboside, or NR, is a vital precursor of NDA. NR, which is found in trace levels in milk, can extend the lifespan of yeast cells by boosting NDA and increasing the activity of Sir2. Once a rare chemical, NR is now sold by the ton each month as a nutraceutical. A chemical called nicotinamide mononucleotide, or NMN, is a compound made by our cells and found in foods such as avocado, broccoli, and cabbage. In the body, NR is converted into NMN, which is then converted into NAD. [2019] - David A. Sinclair

You want some furniture in each room, otherwise the rooms tend to look small. However, too much furniture and too much clutter makes the room look small. [2003] - Robert Irwin

If you need life insurance, your best move is to buy a term policy until you've taken full advantage of TFSAs and RRSPs and until you've paid off your consumer debts and mortgage. If you find yourself in the enviable position of having accomplished all of that, some cash-value policies may be worth exploring. Even then, though, make sure you watch your costs--they can turn a theoretically good idea into a bad one in practice. [2011] - David Chilton

If you convert to a RRIF, you have to manage your own portfolio of investments. If you're sick and tired of thinking about money and all you want is a regular stream of income you don't have to worry about, then you may want to buy an annuity. The really big thing to know about an annuity is that the payout is based on where interest rates are where you purchase the annuity. During periods of high interest rates an annuity can really make your hard-earned money sing since you're locking in that high rate for the life of the plan. When rates are low, not so much. [2013] - Gail Vaz-Oxlade