Quotes of the Day

In the last few years, it's become increasingly common for ETFs to use indexes created by lesser-known firms, because the big guys like S&P charge high licensing fees. It's a bit like the decision to use generic prescription drugs instead of brand drugs. [2021] - Dan Bortolotti

You can attract business just as successfully by running small, inexpensive, but routine newspaper or magazine ads. Hire a high-cost designer to lay out your first ad and create a visual format for you. Then hire a low-cost to create all of your follow-up materials, telling him or her to follow the format used in the original ad. [1998] - Jay Conrad Levinson

Since price is so important to many sellers, the use of unconventional financing is a way to negotiate without leaving them feeling "beaten down" on their price. Don't use a standard bank-type note that contains a due-on-sale clause. Also, you should include a clause giving you the right to substitute collateral. [2004] - Mike Summey

Happiness increases with income, but only to a point. For example, according to the Purdue study, North Americans who earned $105,000 a year reported higher levels of life satisfaction on average than those who earned $60,000 a year. But those who earned more than $160,000 a year reported lower levels of happiness on average than those who earned $105,000 a year. Research reveals that materialistic people tend be far less happy than nonmaterialistic people. The Purdue researchers also surmised that the added responsibility and time commitments of higher-income jobs can take time away from what people enjoy most: connections with friends and family, healthy amounts of sleep, hobbies, and physical activity, for example. [2022] - Andrew Hallam

If you use xylitol gum, do not chew it for longer than 10 minutes-by which time the sweet taste should be gone. Longer gum chewing will bring a different kind of digestive saliva into the mouth, which will dilute and wash away the xylitol-stimulated saliva that is most useful for healing the gums and teeth. It's ideal immediately after each xylitol exposure to have a period when you do not eat or drink for at least an hour-this allows saliva with xylitol dissolved in it to interact with the mouth and teeth, and for xylitol to work in what is called a prebiotic capacity, which serves to nurture the mouth's population of good bacteria. [2025] - Ellie Phillips