Quotes of the Day

There are many factors you have to decide on before finalizing your mortgage decision. The key factors are amortization, term of the mortgage, open or closed mortgage, interest rate, payment schedules, prepayment privilege, and assumability. [2017] - Calum Ross

In my own research program in the 1970s and 1980s on experimental rats, as well as in The China Study, we repeatedly established the ability of higher consumption of the milk-based protein casein to dramatically increase a growth hormone associated with increased cancer development. In contrast, high levels of a "low-quality" wheat protein had the opposite effect. Due to its "deficiency" in the amino acid lysine, the wheat protein prevented cancer development. (We know that the missing lysine was responsible for this change because when lysine was restored, cancer growth resumed to the same level as for the casein.) [2020] - T. Colin Campbell

An RRSP loan placed as a second mortgage on one of our properties with lots of equity has been the biggest source of renovation funds for us. Usually we can double our money on a renovation-so a $10,000 investment becomes $15,000 to $20,000 in value fairly easily. In other words, even if we pay $1,200 to borrow that $10,000, we usually make at least $100 per month more in rent and add between $5,000 and $10,000 in value from that money, making it a huge return on our investment. [2012] - Ian Szabo

This concept of sleep pressure, our need or desire for sleep, is key to many of our sleep tactics. One of the primary techniques that doctors use to treat patients with insomnia is actually sleep restriction, limiting the hours when they're "allowed" to sleep to six, or less. This basically makes them tired enough that they fall asleep more easily at the end of the day, and (hopefully) their normal sleep cycle is restored. Another way to help cultivate sleep pressure is via exercise, particularly sustained endurance exercise (e.g., zone 2), ideally not within 2 or 3 hours of bedtime. Even better is exercise that entails some exposure to sunlight (i.e., outdoors). [2023] - Peter Attia

If it appears that the risk on a trade is too large, the trade is not a high probability one and should be avoided. Don’t worry about missing trades. [2003] - Marcel Link