Quotes of the Day

According to scientific evidence, as a function of the individual, the training volume that generates the greatest benefits in muscle gain for the new athlete is between 3 and 8 series; each one of them should include between 6 and 12 repetitions, and one must consider small variations in this number of repetitions from time to time. The speed of execution of each repetition that evidences the greatest benefits swings between 1 and 6 seconds, with the negative phase being slower than the positive phase. The intensity of the work must be high; competing a series of between 6 and 12 repetitions must result in muscle failure. [2020] - Guillermo Seijas

Whoever mentions a salary figure first, generally loses salary negotiation, at the end. [2013] - Richard N. Bolles

Currently, the most effective method for improving your sleep is called cognitive behavioral therapy for insomnia, or CBT-I: (1) establish a regular bedtime and wake-up time, even on weekends, (2) go to bed only when sleepy and avoid sleeping on the couch early/mid-evenings, (3) never lie awake in bed for a significant time period; rather, get out of bed and do something quiet and relaxing until the urge to sleep returns, (4) avoid daytime napping if you are having difficulty sleeping at night, (5) reduce anxiety-provoking thoughts and worries by learning to mentally decelerate before bed, and (6) remove visible clock-faces from view in the bedroom, preventing clock-watching anxiety at night. [2017] - Matthew Walker

Avoid small-potato insurance policies such as extended-warranty and repair plans, home-warranty plans (unless you're required by provincial regulations), dental insurance, credit life and credit disability policies, insuring packages in the mail, cellphone insurance, contact-lens insurance and little-stuff riders (small insurance policies that are sold as add-ons to bigger insurance policies such as auto and disability insurance). [2019] - Eric Tyson

There are three general strategies for rebalancing: 1) By the calendar - e.g. once a year; 2) By thresholds - rebalance only when an asset class is off by an absolute 5% or a relative 2.5% (for asset classes with smaller targets like 10% allocation to emerging markets); 3) With cash flow - whenever you add new money or make withdrawals. If you're in the drawdown stage and no longer adding money to the portfolio, you can also rebalance with cash outflows. For example, if you're taking income from a RRIF in retirement, you'll be required to make prescribed withdrawals from the account each year. You can use this opportunity to rebalance the portfolio at the same time. [2021] - Dan Bortolotti