Quotes of the Day

Here are four discount brokerages for non‐American expatriates: DBS Vickers Securities, based in Singapore; TD Direct Investing International (now Internaxx), based in Luxembourg; Swissquote, based in Switzerland; and Saxo Capital Markets, located in more than 20 worldwide locations, including Hong Kong, Singapore, Uruguay, and the United Arab Emirates. Interactive Brokers, an American firm, allows Americans and non‐Americans to open accounts from almost every country in the world. If you're a non‐American expat, avoid TD Ameritrade Singapore. Investors pay 30 percent dividend withholding taxes because the brokerage trades solely on the US market. [2018] - Andrew Hallam

Over an investment lifetime, it's a virtual certainty that a portfolio of index funds will beat a portfolio of actively managed mutual funds, after all expenses. But over a one-, three-, or even a five-year period, there's always a chance that a person's actively managed funds will outperform the indexes. [2017] - Andrew Hallam

Speak slowly for nonnative speakers. [2009] - Leil Lowndes

Gold is the only widely accepted monetary asset that cannot be printed. [2008] - Shayne McGuire

Heartburn occurs when gastric acid from the stomach goes the wrong way, or refluxes, up into the delicate tissues of the esophagus, causing a burning sensation at the bottom of the chest and rib cage that can emanate out through the middle of the chest and toward the throat. Regurgitation is the sensation of food coming back up into your chest and throat after you’ve already swallowed it. Over 90% of the people diagnosed with acid reflux disease do not have these typical symptoms. They are more likely to have throat-related complaints such as feeling a lumplike sensation in the throat severe enough to cause dysphagia, or difficulty swallowing. Other common symptoms are chronic cough (cough that persists longer than 8 weeks), hoarseness, frequent throat clearing, and sore throat. [2017] - Jonathan Aviv