Quotes of the Day

A 10 year fixed mortgage typically carries a rate of around 1% higher than the 5 year fixed. I do think that 10 year fixed terms are not the right choice for most people. It's because nobody expects to break their mortgage mid-term, but it happens all the time, and sometimes we are forced to. [2018] - Paul Meredith

Cap-weighted indexes are the traditional tool of index investors, and they should be your default choice when comparing ETFs. There are several reasons for this. First, they're the most representative of the overall stock market. Second, in almost all cases they're the cheapest (as little as 0.03-0.06%). Finally, cap-weighted index funds-especially those tracking the broad market-typically have the lowest turnover, which means stocks are rarely sold and replaced. This can result in fewer realized capital gains, making these ETFs more tax-efficient if you hold them outside of TFSAs and RRSPs. [2021] - Dan Bortolotti

Some agreements say that a guest who stays longer than two weeks is no longer a guest but an additional occupant. The landlord might then want to raise your rent because of the additional occupant or may say that you are breaching your tenancy agreement. The landlord does not have to give you a rent increase notice if your rent goes up because you have additional people move in with you. However, your landlord can only raise your rent based on additional occupants if your written tenancy agreement states how much your rent increases by the number of new occupants. [2015] - Kris Anderson

Ten signs of a solid and worthy relationship: 1) Your date is always or almost always on time. 2) Your date's relationship with family and friends are warm and intact. 3) Your date tells you how much you mean to him. 4) Your date notices when you're unhappy and wants to help. 5) Your date doesn't get jealous. 6) Your date thinks of ways to please you. 7) Your date has good boundaries and you respect them. 8) Your date has active, happy, fulfilled days. 9) Your date is generally in a good mood. 10) Your date is affectionate and sexually interested in you. [2014] - Pepper Schwartz

People like to be asked their opinion. [2007] - Chet Holmes