Quotes of the Day

Melatonin simply provides the official instruction to commence the event of sleep, but does not participate in the sleep race itself. For these reasons melatonin is not a powerful sleep aid in and of itself, at least not for healthy, non-jet-lagged individuals. [2017] - Matthew Walker

Give a gift for every referral you receive. This could be chocolate, popcorn, or a clock. [2003] - Darryl Davis

A person who finds price all important is often more than willing to dicker on the terms. [2006] - Robert Irwin

When the term of your mortgage ends, you have the option to renegotiate or seek refinancing. Refinancing is a good move if interest rates have decreased. It also makes sense if you've experienced a significant improvements in our gross debt-to-service ratio. On the other hand, refinancing may not be such a wise move if changes in the value of your property and your personal financial situation conspire to limit your ability to borrow. Speak with your mortgage broker and, if you wish, your accountant and financial planner before you refinance. [2020] - Douglas Gray

If you are looking to grow your net worth exponentially, consider keeping your job or finding another way to make income. Your business should bring in at least 3X of your current job before thinking of quitting your job. 1X for tax, 1X to survive, and 1X for reinvestment and unexpected events. [2015] - Brandon Turner