Quotes of the Day

Bonds have historically returned almost 5% annually, according to the data from Credit Suisse. It's hard to see how an investor could expect that to continue in the foreseeable future, with high-quality bonds in many countries yielding less than 1%. One place to look for a realistic estimate of future returns for bonds is to invest the web page of an ETF that tracks the overall Canadian bond market, such as the Vanguard Canadian Aggregate Bond Index ETF (VAB). Look for the fund's "yield to maturity": this is the total return you should expect if interest rates don't change. [2021] - Dan Bortolotti

In our trading accounts we always look to risk no more than 2 percent per trade or 6 percent per day of our risk capital. [2010] - Jay Norris

The following is a list of documents you may receive from the seller: seller disclosures (most states require that the seller disclose any known defects in a property before selling it), seller's tax returns (to get these - simply ask them), current leases, current rent roll, tenant estoppel certificates, current year's tax bill, recent utility bills (either ask for specific bills or call up the local utility companies and get the information directly from the source. Also verify who pays for which utility, and always check to make sure the utility bills have all been paid), security deposit (make sure you are given the correct cash at closing), HOA documents. [2015] - Brandon Turner

If your account has a bond index, a domestic stock index, and an international stock index, you'll have a good chance of success. A rule of thumb is that you should have a bond allocation that's roughly equivalent to your age. Some experts suggest that it should be your age minus 10, or if you want a riskier portfolio, your age minus 20. Common sense should be used here. A 50-year old government employee expecting a guaranteed pension when he retires can afford to invest less than 50 percent of his portfolio in bonds. [2017] - Andrew Hallam

Walks can be nice. First meet to buy your coffees. Arrange the route so it's neither too long nor too physically demanding. Let your date know the plan in advance; some people not be able to walk a long distance, or might find it difficult to walk and talk at the same time. You might also consider the zoo, a sculpture garden, a botanical garden, or a river walk. [2005] - Sharon Romm