"Recently, I have come to assume that any call to my landline is from a telemarketer or an automated call from Terminex, letting me know that our regularly scheduled pest-extermination service will occur on its regular schedule. So I usually ignore my home phone."

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I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded.

— Suze Orman