Quotes of the Day

The lender will obtain its own appraiser to determine the value of the security for mortgage purposes. The necessary fee is either paid by the borrower to the lender in advance at the time of application, or is taken from the mortgage proceeds by the lender. In a competitive marketplace, you can negotiate directly with the lender, or through the mortgage broker, to have the fee waived and absorbed by the lender. [2006] - Douglas Gray

GICs don't lose value when interest rates rise, neither do they get a boost when yields fall. This means that during a bear market for stocks-which often leads to falling interest rates-your GICs won't deliver the offsetting benefit you should expect from bonds. Since bonds and GICs each have pros and cons, you might consider a balanced approach and use both in your portfolio. For example, you could use GICs for about half of your fixed-income allocation and use a bond DTF for the other half. [2021] - Dan Bortolotti

Avoid bold fonts; large, red-colored fonts; poor quality images; use of all capitals in the subject line or body of e-mail; use of words such as "free, trial, money, quote, sample, membership and access;" and excessive punctuation (!!!). Instead use relevant terms in the subject and body and include the date and/or issue number of newsletters or e-zines. [2007] - Bruce C. Brown

Spending on oneself does not boost wellbeing. However, spending money on others does —— and it appears to be as important to people's happiness as the total amount of money they make. [2010] - Tom Rath

I found one of the best handymen I have after we placed a free ad on Craigslist asking for local handymen who could do occasional tasks for our real estate investment company. We received several responses, hired each to do a small task, and quickly found a great guy we now use often for small tasks. [2015] - Brandon Turner