Quotes of the Day

During the 20-year period between 1994 and 2013 (5,037 trading days), US stocks averaged a compound annual return of 9.22 percent. But investors who missed the best five trading days would have averaged just 7 percent per year. If they missed the best 20 days, their average return would have been just 3.02 percent per year. If they missed the best 40 trading days, the investor would have lost money. [2017] - Andrew Hallam

Networks are people, businesses, or organizations that you are generous with because you support them and they support you. Networks are powerful forms of leverage. [2002] - Robert T. Kiyosaki

Career wellbeing is arguably the most essential of the five elements. If you don't have the opportunity to regularly do something you enjoy —— even if it's more of a passion or interest than something you get paid to do —— the odds of your having high wellbeing in other areas diminish rapidly. People with high Career Wellbeing are more than twice as likely to be thriving in their lives overall. [2010] - Tom Rath

Brushes should be cleaned daily, using an anti-bacterial or other sanitizing method. Toothbrushes can be cleaned by swishing the bristles of the brush in ½oz undiluted antibacterial rinse (Listerine) for 30 seconds. Rinse away the disinfecting liquids under running tap water. Store the brush head up, in a cup, allowing the bristles to air dry completely between each use. If your storage conditions are damp or wet, mold or bacteria will grow easily on your brush, even under a cover or in a bag. Depending on their bathroom conditions, some families may be able to keep their toothbrushes cleaner by storing them in a kitchen area. The makers of the UV sterilizers for toothbrushes are now making small portable units for traveling toothbrushes, and the units seem to work well. [2025] - Ellie Phillips

Almost any bank will give you 1/4 percent to 3/4 percent rate reduction just for asking; a quality mortgage broker will be negotiating on your behalf to get these reduced rates. You can even get more in some circumstances. With personal lines of credit, it's not unheard of to receive below the bank's prime rate if it is secured on a piece of property. [2009] - Don R. Campbell