Quotes of the Day

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

Many properties that you can buy for no money down are ones you can't afford to own once you buy them. Often, the condition or problem that makes a seller willing to accept a no-money-down offer transfers with the property and leaves the new owner taking on the same problems that defeated the seller. Many no-money-down deals depend on your ability to flip the property to another buyer quickly before the cash flow requirements of ownership kick in. Once you get one or more properties free and clear, another more conventional way to make no-money-down deals becomes available. You can borrow against a free-and-clear property and pay cash for the new purchase; then it becomes a free-and-clear property. [2004] - Mike Summey

When you eat and drink, your stomach naturally expands to make room for what you’ve just ingested, which can increase pressure on the lower esophageal sphincter (LES) and lead to a relaxing of this important muscle. Once this muscle relaxes, the doorway to refluxed acid has been precariously left open. One way to prevent the gastric distention that occurs after you eat from placing too much pressure on the LES is to simply go for a walk after meals. A post-dinner walk has been linked to reduced risk of stomach cancer. To help ensure that this walk prevents rather than provokes refluxed acid, it’s best to stick to a leisurely pace, which should be decidedly slower than the brisk or vigorous one you will aim for during exercise. [2017] - Jonathan Aviv

There are five health defense systems in your body: angiogenesis, regeneration, microbiome, DNA protection, and immunity. These systems maintain your health in a state of perfect balance. When mild disruptions occur in your health, the systems adjust themselves to take care of the problem and continue functioning behind the scenes, so you don’t even notice—that’s what you want your health to be like your entire life. [2019] - William W Li

While housing construction is a key driver, it tends to lag behind any increased demand for housing due to the significant lead time required to build, especially in larger centers where condominium buildings make up the majority of starts. This lag usually results in an eventual oversupply that persists long after the demand for housing dissipates. Therefore, construction levels tend to peak at the end of the boom phase and through at the middle to end of the slump phase. [2011] - Don R. Campbell