Quotes of the Day

Peanuts, especially when processed into peanut butter, can be contaminated with a mold that produces a highly carcinogenic substance called aflatoxin. Eat peanut butter in moderation, and buy organic to reduce the risk. Buy cold-pressed organic nut and seed oils for safety and to get the best quality. [2009] - Frances Sheridan Goulart

The most common way to calculate maximum heart rate (or MaxHR) is simply to subtract your age from 220. However, this is an inaccurate method. A more accurate method is determined by the following formula: 211 – (.64 x Age). Multiply your MaxHR by 0.85 - this is your maximum target rate. Multiply your MaxHR by 0.50 - this is your minimum target rate. Exercise within your target heart rate and stay there for 20 minutes or more. Working out at 60–70 percent of your MaxHR is best for weight management and a fit appearance; 70–80 percent puts you in the heart-healthy aerobic zone; and 80–100 percent gives you the competitive edge for peak performance. [2015] - Vonda Wright

At the time of writing, the most popular exchanges are quite new, lightly regulated at best and cannot be considered safe places to keep your money. I mitigate this risk in two main ways. Firstly, I use several different exchanges, so if one of them went bust, I’d only lose a small chunk of my capital rather than all of it. Secondly, I try to keep only as much trading capital in each exchange as strictly necessary. If I have surplus cryptocurrency, I withdraw it to a safe wallet or transfer it back into pounds. [2019] - Glen Goodman

The first $500,000 of active business income earned within a Canadian-Controlled Private Corporation (CCPC) that qualifies for the small business deduction is subject to a lower federal corporate tax rate. However, effective January 1, 2019, companies that have too much of their retained earnings invested inside the corporation will be subject to new passive investment income rules, which will reduce their access to the small business deduction. While this will generally affect larger and more mature businesses, it's a good idea to have your accountant explain these rules to you so you can plan accordingly. [2020] - Evelyn Jacks

Theoretically, dark chocolate isn't as bad as high-fat milk chocolate, but let's face it. All chocolate is bad for reflux. [2010] - Jamie Koufman