Quotes of the Day

Don't use the word "problems," as most employers prefer synonyms that sound gentler to their ears, such as "challenges" or "needs". [2013] - Richard N. Bolles

International health insurance: These plans cover you anyplace in the world. Some companies also offer a semi-global option, excluding certain high-priced countries in exchange for a lower premium. Premiums vary, but for a healthy, 60-ish individual, expect to pay roughly $3,000 to $5,000 a year. National, in-country health insurance: These plans provide in-depth coverage in a given country. Ask whether the plan includes a travel-insurance component to cover health emergencies when visiting other countries. Premiums in Latin America generally run 10 to 35 percent less than international plans, while in Asia they can cost $1,000 a year or less. Hospital membership plans: Top hospitals in some countries—notably Costa Rica, Nicaragua, Panama, and Uruguay—offer membership plans that provide steep discounts on services at their facilities, including hospital stays, doctors’ visits, and prescriptions. Monthly fees generally run $25 to $75 per month per person. [2014] - Dan Prescher

The Residential Tenancy Act allows the landlord to inspect the rental unit once a month as long as you are given the proper notice (between 24 hours and 30 days in writing, saying exactly what date/time they want to come in). If the landlord puts the notice in your mailbox or mail slot it's not considered received until after three days from the day it was delivered. It it was mailed, then it's not considered received until after five days from when it was mailed. Unless you agree to something else, your landlord can only come into your suite between the hours of 8 a.m. and 9 p.m. [2015] - Kris Anderson

If the number of first-time homebuyers is trending significantly downward, while at the same time the number of repeat buyers is on the rise, this is a clear sign of the speculation at play in the market. The level of first-time homebuyers tends to peak during the middle of the boom phase and then decline until the middle to end of the slump phase. [2011] - Don R. Campbell

Many people will write you a testimonial letter if you ask for it. But sometimes they are so busy that they don't get around to it. In this case ofter to write the letter yourself and ask them to type it onto their own letterhead and sign it. It is amazing how many customers will do this if you ask. [2004] - Brian Tracy