Quotes of the Day

Health insurance companies everywhere have a few things in common: They tend to exclude pre-existing conditions, and they tend to have an age limit (usually 65) for issuing new policies. A few companies issue new policies up to age 75. And any company that accepts pre-existing conditions builds that risk into the premium you pay. Always first check whether your existing insurance plan, if you have one, covers treatment abroad. Canada’s nationalized health care system generally doesn’t cover treatment abroad. [2014] - Dan Prescher

The first blockchain ETFs to hit the markets were BLOK and BLCN, both of which launched on January 17, 2018 (right at the time when Bitcoin was taking a hit). On January 29, 2018, another blockchain ETF, KOIN, showed its face in the competition. [2019] - Kiana Danial

Panic, like asthma, is usually preceded by an increase in breathing volume and rate and a decrease in carbon dioxide. To stop the attack before it strikes, breath slower and less, increasing carbon dioxide. This simple and free technique reverses dizziness, shortness of breath, and feeling of suffocation. It can effectively cure a panic attack before the attack comes on. 'Take a deep breath' is not a helpful instruction. Hold your breath is much better.  [2020] - James Nestor

The 5% Rule - Annual Cash Flow = Annual Rent – (Annual Mortgage Payments + Property Taxes + Insurance + Other Fixed Expenses). Minimum Cash Flow (%) = (Annual Cash Flow ÷ Down Payment) × 100 Benchmarks: 5–6% = Moderate Risk, 7–9% = Moderate-to-Low Risk, 10%+ = Low Risk. Adjust until it either passes or proves it’s not a good deal: 1) Put more money down but keep in mind this will also reduce your return on investment (ROI); 2) Stretch the amortization (a longer amortization period such as 30 years vs. 25 lowers your monthly mortgage payment); 3) Negotiate a better price; 4) Increase the rent (if realistic) [2025] - Wayne Hillier

Love has an eighteen month expiration date. The most frequent duration is between approximately 18 months and three years. [2006] - Leil Lowndes