Quotes of the Day

LTV (Loan-to-Value Ratio) = Total Loan Amount(s)/Fair Market Value. Lenders typically have different requirements for maximum LTV based on the property type. For example, for an owner-occupied property with an FHA loan, the lender will go up to 96.5% LTV. However, on a commercial property, a lender may not want to lend above 50% LTV. If you are an investor, you are likely to find 70%-80% LTV the norm for investment properties. [2015] - Brandon Turner

The clinical name of throatburn reflux is laryngopharyngeal reflux (LPR). Throatburn Reflux Symptoms: • Hoarseness • Frequent throat clearing • Acidic taste in the mouth: acid regurgitation from the stomach can literally bring an acidic taste all the way into the mouth • Globus sensation: feeling a lump in the throat or that something is stuck in the throat • Trouble swallowing • Chronic cough • Aspiration: food or saliva or any other material going into lungs • Waking up at night due to burning in the throat • Waking up at night with a choking sensation • Excessive mucus in the throat [2017] - Jonathan Aviv

Melatonin seems to be most beneficial for helping with circadian problems like jet lag. As a long-term sedative, its effectiveness is questionable. [2017] - W. Chris Winter

Modern Portfolio Theory says that the volatility/risk of a portfolio may differ dramatically from the volatility/risk of the portfolio's components. In other words, you can have two assets with both high standard deviations and high potential returns, but when combined they give you a portfolio with modest standard deviation but the same high potential return. The key to whipping up such pleasant combinations is to find two or more holdings that do not move in synch: One tends to go up while the other goes down (although both holding, in the long run, will see an upward trajectory). The lower the correlation, the better. [2013] - Russell Wild

When relationships fail, it is rarely just one person's fault. [2016] - Stan Tatkin