Quotes of the Day

Net Operating Income (NOI) = Income - Vacancy Factor (until you have experience, a professional property manager will be able to give you a good estimate of the time required to re-rent the property) - Management Fee - Maintenance Reserve (depending on the age and condition of the property, you may want to vary this reserve from 5 to 30 percent or more) - Utilities - Taxes - Insurance - Other Expenses (such as common area maintenance, grounds maintenance, area lighting, and snow removal) [2004] - Mike Summey

You should be earmarking about 20% of your tax-sheltered assets for the purchase of an annuity at the point of retirement. Buying an annuity is not as effective a strategy as it used to be now that interest rates are so low. That can change, though. Don't even think about buying an indexed annuity. [2020] - Frederick Vettese

Genistein is found in soy. Luteolin occurs in celery, oregano, and thyme. Quercetin is found in capers, apples, and peppers. All three of these compounds kill prostate cancer stem cells. Luteolin is especially potent and can shut down the activity of prostate cancer stem cells twentyfold. The bioactive of green tea, EGCG, has also been shown to work together with the bioactive quercetin to inhibit prostate cancer stem cells, as well. [2019] - William W Li

Ongoing fund costs and annual account fees are far more detrimental than commissions and exchange rate fees. [2018] - Andrew Hallam

The most common way to calculate maximum heart rate (or MaxHR) is simply to subtract your age from 220. However, this is an inaccurate method. A more accurate method is determined by the following formula: 211 – (.64 x Age). Multiply your MaxHR by 0.85 - this is your maximum target rate. Multiply your MaxHR by 0.50 - this is your minimum target rate. Exercise within your target heart rate and stay there for 20 minutes or more. Working out at 60–70 percent of your MaxHR is best for weight management and a fit appearance; 70–80 percent puts you in the heart-healthy aerobic zone; and 80–100 percent gives you the competitive edge for peak performance. [2015] - Vonda Wright