Quotes of the Day

There are three price points for any product. The lowest-priced product, the highest-priced, and the middle-priced. The worst price to be is the middle price. Nobody knows who you are. The trouble with being the lowest-price product is that someone is always trying to beat you. Someone will find a way to sell the same product for less than you. To win the lowest-price competition, you have to make less and less money. On top of that you have to deal with cheap customers. [2005] - Robert T. Kiyosaki

The cost of an uninsurable mortgage can be as much as 25 basis point (0.25%) higher than that of an insurable mortgage, or even higher. I've seen the difference as high as 50 basis points. [2018] - Paul Meredith

Some apparently healthy products may stop disease, but they allow different problems to occur, such as gum recession, enamel erosion, sensitivity, weakened teeth, and fractures. A mouth that is not comfortable is not healthy. My greatest concern is that some of these products, especially the pastes and rinses that are specifically designed to strip biofilm, may allow viruses, chemicals, bacteria, or free radicals to damage skin cells in the mouth, working as precursors for oral cancer. [2018] - Ellie Phillips

We always recommend you take the longest amortization possible, because the amortization doesn't actually dictate the duration of your mortgage payments; that duration is determined by how you set up your payments. If you have a long amortization, you can always revert back to the minimum payment. This helps you avoid accumulating outside debt, and you can qualify for something else if you need to. If you want to buy a rental, but you've just renewed your principal residence mortgage at 15 years, you won't qualify. But if you had your principal on a 30-year term, it would allow much more flexibility. [2018] - Angela Calla

People looking for a new job should be as concerned about who their manager will be as they are about their job title, their benefits, the company's reputation, or even the pay. [2010] - Tom Rath