Quotes of the Day

For Week 1, set a "threshold bedtime" and "threshold rise time" that will limit your time in bed (sleep restriction): 1) Pick a rise time that you can maintain 7 days per week; 2) Take your total sleep time in hours (to the nearest half hour). If this number is less than 5.0 hours, then replace it with 5.0; 3) Take your threshold rise time and subtract your total sleep time. E.g. if your threshold rise time is 6:00 am and your total sleep time is 6.0 hours, your threshold bedtime will be midnight. Go to bed only when sleepy and not before your threshold bedtime. Leave the bed if you can't fall asleep or go back to sleep within 10-15 minutes. Return when sleeping. Repeat this step as often as necessary during the night. [2021] - Judith R. Davidson

Real Estate Key Drivers - Demographic Drivers (net migration, employment levels, the number of first-time homebuyers, vacancy rates of rental real estate and the scale of housing construction), Financial Drivers (rental levels, return on investment, income levels, rental affordability, real estate affordability, financing availability and real estate values), Emotional Drivers (the average days it takes to sell real estate, the number of listings of real estate for sale, sales levels and revitalization - upgrading of amenities, facilities and/or real estate). These three categories of key drivers collectively create momentum that affects the progression of the real estate cycle as it passes through one phase and on to the next. [2011] - Don R. Campbell

A regular-sized ring that is monitoring your heart rate, body temperature & movements and tells you each morning if you slept well, how much you dreamed, how alert you will be during the day, etc. costs a few hundred dollars and can be ordered by anyone online.  [2019] - David A. Sinclair

If through practice you are able to offer confident, engaging conversation and build rapport in the first minutes, the odds of getting an email address or phone number is approximately one in five. Of cause, approximately four in five will flake out. In other words, of five women that gave out their contact information, one will be willing to communicate extensively after the initial interaction, so the true success rate is on in twenty-five. [2012] - Christopher Gray

The gross debt service (GDS) ratio looks at the portion of your gross monthly income needed to cover your monthly housing costs (e.g., mortgage payment, property tax, heating and 50% of maintenance fees). Most lenders in Canada are looking for a ratio of 35% or below, although if you have a credit score over 680, some lenders let you go as high as 39%. Aim for a GDS ratio 30% or below (up to 35% in pricey real estate markets). The total debt service (TDS) ratio takes the gross debt service ratio a step further. It looks at the portion of your gross monthly income needed to cover your monthly housing costs, plus monthly debt payments (e.g., car loan, credit card debt, line of credit, student loan). Most lenders in Canada are looking for a ratio of 42% or below, although if you have a credit core over 680, some lenders let you go as high as 44%. Aim for a TDS ratio of 37% or below (up to 42% in high-cost cities). [2017] - Sean Cooper