Quotes of the Day

Investing 100% of your savings in paying down a mortgage can be a winning strategy, especially for those who do not want any stock market risk. Applying all long-term savings to mortgage paydown means giving up the potential that stock market returns will exceed your mortgage 'investment' returns (your mortgage rate) over time. Given that mortgage rates are so low, it won't take much for the stock market to outperform. So, some combination of mortgage repayment and tax-sheltered stock investments (in TFSA and/or RRSP) probably makes sense for most Canadians. [2018] - Larry Bates

We generally try to schedule all our showings for the same time. You could show your unit to one tenant at a time. This is a great way to get to know the applicant a bit more, but it is also very time-consuming and inefficient, especially if you don't live nearby. Also, an open house-like environment creates an air of demand, which helps get applications completed much quicker. Encourage the prospective tenants to complete the application before they leave. [2013] - Julie Broad

Acetaminophen (Tylenol) is more toxic than ibuprofen (Motrin and Advil) and is effective for only 4-5 hours anyway. In healthy adults, even a dose of 4 grams daily (the equivalent, typically, of 8 extrastrength tablets) can cause liver function abnormalities; and lower, more standard dosages can cause digestive tract problems. Avoid acetaminophen and other fever reducers; if you are too uncomfortable to sleep at night, take ibuprofen with some food. [2011] - Joel Fuhrman

As important as personality characteristics may be to determine perfect matches, there is more to compatibility than personality. Couples also need to make sure they are in sync on important lifestyle choices. You could be just right for each other as personalities--and so wrong when it comes to your fundamental values, hopes, and dreams. It is extremely important to be able to talk about what your expectations and feelings are in these five areas: money, sex, children, core values, and social life. [2006] - Pepper Schwartz

Some bankers include your credit potential in their TDS (total debt service) calculations. This means that if you have a credit card or PLC (personal line of credit) with a significant unused balance, a banker may calculate what the payment would be if you maxed the credit card or PLC, thus reducing your ability to obtain a mortgage. If your banker insists on doing this, go somewhere else because other lenders may not be required to underwrite that way. [2009] - Don R. Campbell