Market Analysis and Research

urine sinks to bottom of toilet bowl The Science: Why It Happens Density: Urine is primarily water, but contains various dissolved salts, urea, creatinine, and sometimes traces of blood, medication, or color from food. Higher density: First morning urine, or that after dehydration or salty food, is denser than ordinary tap water. When poured gently […]

Investment Guide Discommercified: The Ground Rules 1. Set Concrete Goals and Time Horizons Write targets that are granular (“Retire at 60 with $2 million,” “Fund college in 8 years,” “Own investment property debtfree by 50”). Assign a date to every goal. Short horizon = safer allocation. Long horizon = more risk/leverage permitted. Tracking progress to