Quotes of the Day

Here is the game plan when you are guilty. Dead wrong. Caught red-handed. 1. Listen calmly until your accuser finished, and then say, "I am happy you brought that up." 2. Proceed by saying, "You are right," and repeat his accusation word for word. No ifs, ands, or buts--and no changing his precise words. 3. Pause. 4. Then, and only then, with no defensiveness, tell your reasoning. If there is absolutely no rationalization for what you did, tell him what you have learned from it. [2009] - Leil Lowndes

Probably the best-known robo-advisor in Canada is Wealthsimple, which was one of the first on the scene in 2014. But there are many others, including Nest Wealth, Justwealth and CI Direct Investing. Moreover, a number of banks and brokerages have their own branded robo-advisor services. The Bank of Montreal has BMO SmartFolio, Royal Bank has RBC InvestEase, and Questrade has Questwealth Portfolios. There's a lot of information online to help you compare various robo-advisors, including annual comparisons in the Globe and Mail and on MoneySense.ca. [2021] - Dan Bortolotti

The industrialized, processed food that you find in your local grocery store has been acidified, its pH has been lowered, and its micronutrient viability has been significantly reduced. Even cooking some plant-based foods—such as broccoli and zucchini—can strip them of certain antioxidants, such as vitamin C. This is why it’s important to avoid processed foods and replace them with plenty of organic, minimally cooked fruits and vegetables (steaming is my preferred option). I also recommend that whenever you eat eggs, dairy, or meat, it should ideally be organic and come from a grass-fed animal to ensure that your diet is balanced in macronutrients and that you are getting all the micronutrients your body needs. [2017] - Jonathan Aviv

Most investors hold real estate for at least one cycle of the real estate market. A market cycle is the period in which a market goes from high to low, from a buyer's market to a seller's market. A standard cycle in the real estate market typically lasts as few as 5 and as many as 12 years. Some observers believe market cycles are actually lengthening, which means longer holding periods before you'll be able to realize a return. [2020] - Douglas Gray

Include lots of leafy greens, non-starchy vegetables, fruits, seeds, and whole grains to ensure fiber without calorie load. Beans, seeds, and pulses (e.g., butter beans, kidney beans, chickpeas, black-eyed peas, lentils) also add fiber, protein, and healthy carbs. As a bonus, vitamins and minerals will come along for the ride, reducing the need for supplements. Be restrained when adding sugar and salt to food, and choose healthy added fats, such as extra-virgin olive oil.  [2020] - David Raubenheimer