Quotes of the Day

Horizons Canada offers three swap‐based ETFs on the Canadian market. Its Horizons S&P/TSX 60 index ETF costs just 0.03 percent. It tracks Canada's 60 biggest stocks. Horizons S&P 500 index ETF tracks the US market. It costs 0.12 percent. And Horizons' Canadian Select Bond Universe ETF costs 0.17 percent. Most indexes physically hold stocks or bonds within them, but not these. Instead, they're like contracts backed by the National Bank of Canada, promising investors the full return of a given index as if all dividends or interest were reinvested. Because investors don't actually own the index's holdings directly, they aren't charged dividend taxes on the stock indexes or income taxes on the bond index. [2018] - Andrew Hallam

If there is no mutual physical or sexual attraction, most couples will not expect the relationship to proceed toward marriage. If, for instance, a man persists and attempts to show affection but the woman rejects his advances and makes it clear she is not interested or vice versa, that usually signals the end of the relationship. [2011] - Isabelle Fox

Limit your e-mail to two to three paragraphs. limit your line length to no more than 80 characters. When someone responds to your e-mail campaign, such as filling out a Web form for additional information, your auto-responder can automatically send them a wealth of information about your products or services. [2007] - Bruce C. Brown

There will always be great opportunities to buy a condo unit. The longer you wait, the better your choice of what to buy. [2013] - Dan S. Barnabic

Make sure that you put a condition in your offer that says "subject to purchaser obtaining a home inspection satisfactory to the purchaser within X days of acceptance of the offer. In addition to the need for a home inspection, you might also be able to obtain a "vendor's disclosure statement." [2006] - Douglas Gray