Quotes of the Day

Goji berries do actually appear to have relevant, real-world, beneficial effects on immune function. [2023] - Michael Greger

The advantage of a living trust is that upon your death, assets can pass directly to your beneficiaries without going through probate. Living trusts are likely to be of greatest value to people who meet one or more of the following criteria (the more that apply, the more value trusts have): 1) Age 60 or older; 2) Single; 3) Assets worth more than $1 million that must pass through probate (including real estate, nonregistered retirement plans and accounts, and small businesses). You can use a software package (e.g. Complete Canadian Wills Kit) to establish a legal and valid living trust. [2019] - Eric Tyson

Training loads must be increased periodically in order to avoid any stagnation in the athlete's progression. This work load could be increased by acting on one of the two factors that determine it (volume and intensity), or on both of them at the same time and always progressively, in small increments. The usual approach is to act on intensity. In order to work in a sufficient range of intensities, they must arrive at muscle failure between the repetition 6 and 12. If it's impossible to reach 6 consecutive repetitions, it's likely that they are working too intensely. If, on the other hand, they exceed 12 repetitions easily, they should add difficulty to the exercise. Once your training exercises are included, these should be maintained between 4 and 8 weeks before introducing changes. [2020] - Guillermo Seijas

The following is a list of documents you may receive from the seller: seller disclosures (most states require that the seller disclose any known defects in a property before selling it), seller's tax returns (to get these - simply ask them), current leases, current rent roll, tenant estoppel certificates, current year's tax bill, recent utility bills (either ask for specific bills or call up the local utility companies and get the information directly from the source. Also verify who pays for which utility, and always check to make sure the utility bills have all been paid), security deposit (make sure you are given the correct cash at closing), HOA documents. [2015] - Brandon Turner

Most lenders require a DCR (debt coverage ratio) of at least 1.20 in order to finance an income property. A property with a 1.20 DCR has income before debt service that is 1.20 times as much as the debt service--in other words, the property generates 20% more net income than it needs to make its mortgage payments. [2004] - Frank Gallinelli