Quotes of the Day

Mortgage interest rates help to evaluate and determine market cycles. If rates are at an all-time low, more people will be qualifying for mortgages and are therefore less likely to be in the rental market. When the money supply is tight and lenders are cautious and interest rates are high, that's when you're in the best position as a rental property owner. And when rates are low but lending standards are tight for the middle-income demographic, this demographic will typically be forced to rent. [2017] - Bryan M. Chavis

Three basic rules for raising children: first, example; second, build a caring and affirming relationship; and third, teach some of the simple ideas underlying the habits in the language of children. [2004] - Stephen R. Covey

Contributing to an annuity may make sense if you've exhausted contributions to RRSPs and employer-sponsored and self-employed plans and you expect to leave the money compounding in the annuity for at least 15 years. It typically takes this long for the benefits of tax-deferred compounding to outweigh the higher annuity fees and treatment of withdrawn annuity earnings at the higher ordinary income-tax rates. If you're close to or are actually in retirement, tax-friendly investments made outside of registered retirement plans are preferable. [2019] - Eric Tyson

The results of the large Spanish study known as PREDIMED were so dramatic. The group receiving the olive oil had about a one-third lower incidence (31%) of stroke, heart attack, and death than the low-fat group, and the mixed-nuts group showed a similar reduced risk (28%). By the numbers, the nuts-or-olive-oil "Mediterranean" diet appeared to be as powerful as statins, in terms of number needed to treat (NNT), for primary prevention of heart disease-meaning a population that had not yet experienced an "event" or a clinical diagnosis. [2023] - Peter Attia

After about 2-4 weeks of nightly use, BzRAs (benzodiazepine receptor agonists such as zopiclone) typically become less effective due to "tolerance." This means the dose you have been taking starts to have less effect; therefore, you need a higher dose to get the same effect. This can lead to dependence, which occurs when you have great difficulty sleeping without the medication. "Rebound insomnia" is sleep difficulty that occurs if you've been taking a BzRA every night for a while and then you suddenly stop taking it. If you have been using the medication every night for more than 4 weeks, ask your healthcare professional or pharmacist for advice on how to reduce the dose in a step-by-step way to avoid withdrawal effects. [2021] - Judith R. Davidson