Quotes of the Day

If you are purchasing with 25% down payment vs. 20%, you may get a lower rate. 30% might get you a bit lower yet. The lowest insurable rates are usually available with 35% or greater down payment, however with some lenders you may need as much as 40%. Additional down payment beyond 35-40% will not get you a further discount on rate. [2018] - Paul Meredith

Zone 2 is one of five levels of intensity used by coaches and trainers in endurance sports. Some models have five zones, but others have six or seven. Typically, zone 1 is a walk in the park and zone 5 (or 6, or 7) is an all-out sprint. Zone 2 is more or less the same in all training models: going at a speed slow enough that one can still maintain a conversation but fast enough that the conversation might be a little strained. Zone 2 is a powerful mediator of metabolic health and glucose homeostasis. For some people, a brisk walk might get them into zone 2; for those in better condition, zone 2 means walking uphill. [2023] - Peter Attia

Lack of sleep hinders your body's use of insulin. It's a good idea to aim for 7-8 hours of sleep nightly. [2018] - Joy Bauer

In love, it's been proven that we only find differences that can enhance our life to be turn-ons. Otherwise, we go for folks just like us. [2006] - Leil Lowndes

Avoid loans with prepayment penalties. You pay this charge, usually 2-3 percent of the loan amount, when you pay off your loan before you're supposed to. The only way to know whether a loan has a prepayment penalty is to ask. If the answer is yes, find yourself another mortgage. [2019] - Eric Tyson