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borrowers concerned credit cycle easily five fully three understand
We're concerned for borrowers because they may not fully understand what may happen. In three or five years, we may be in a different credit cycle and they may not be able to refinance as easily as they expected. Beth Haiken
borrowers decline equity home incentive remain stressed struggling
The decline in home equity makes it more difficult for struggling homeowners to refinance and reduces the financial incentive of stressed borrowers to remain in their homes. Ben Bernanke
borrowers decisions financial loan officers sitting
We think borrowers sitting down with their financial advisers or loan officers can make the decisions that are right for them. Mike Fratantoni
borrowers college discourage loan people policies poverty push
Loan repayment policies must be improved, so they do not push borrowers into poverty or discourage people from getting a college degree. Luke Swarthout
borrowers budgetary cushion extra financial impact manageable safe spending themselves year
Most borrowers have some financial cushion so the impact won't be immediate; spending an extra $380 is manageable at first. But it's safe to say there are some who will find themselves in budgetary difficulties a year or two down the road. Keith Gumbinger
borrowers choices expanding include loan means menu niche opportunity
Expanding your menu (as a lender) to include as many loan choices means you get a better opportunity to scour borrowers out of niche markets. Keith Gumbinger
borrowers color defend designed ensure ensuring equal foundation laws mortgage ordinance people treated treatment
Anti-discrimination laws are the foundation to ensuring that people of color are treated equally. We will vigilantly defend any law, regulation, or ordinance that is designed to ensure equal treatment of all borrowers in the mortgage process. Wade Henderson
borrowers capitalist global major needs source system treatment
This asymmetry in the treatment of lenders and borrowers is a major source of instability in the global capitalist system and it needs to be corrected, George Soros
borrowers credit danger mortgage treating understand
A lot of borrowers don't understand the risks. There's a danger in treating a mortgage like a credit card. Allen Fishbein
caring thinking gentleman
Do you want to be a gentleman, to spite her or to gain her over? Because, if it is to spite her, I should think - but you know best - that might be better and more independently done by caring nothing for her words. And if it is to gain her over, I should think - but you know best - she was not worth gaining over. Charles Dickens
caring clouds light
The cloud of caring for nothing, which overshadowed him with such a fatal darkness, was very rarely pierced by the light within him. Charles Dickens
careers chinese connected
I had always thought that I would do something that was connected to music as a career, or possibly Chinese, which was my major. Charles Soule
car today life-is
What I've learned during my life is that the near future is 90% identical to the present - if you buy a new car today, it'll probably still be on the road in 2022. Charles Stross
care safe danger
The Providence of God is the great protector of our life and usefulness, and under the divine care we are perfectly safe from danger. Charles Spurgeon
careers might brilliant
Those of you who are not aware of my brilliant career as a stand up comic, I'm not aware of it either so we might well wonder what we're doing here. Alan Rickman
careers long way
In many ways, my entire graphic novel career was a long diversion. Originally, all I wanted to do was to be an underground cartoonist and maybe bring out a groovy underground mag. Alan Moore
careers long people
During a long career in TV broadcasting, I spent a lot of time contributing to other people's creations. Alan Bradley
car break hated
I have always had this mentality because I hated to break anything on the car. Alain Prost
college honor problem
Helen Keller was blind and deaf when she graduated from college with honors. So what's your problem? Charles Stanley
college silence black
My first college roommate greeted me with a shocked silence followed by, 'So. . .you're black. Al Roker
college years expected
I never expected to leave college early-especially after just one year. Chris Bosh
college thinking feelings
You think you're grown in college but you're not, because everything is kind of controlled. You lose the camaraderie and suddenly find yourself alone in an apartment just feeling lost. Chris Bosh
college class theater
When I entered college, I wasn't sure what I was going to do. My advisor happened to be from the theater department, and he encouraged me to take some classes there, which I did. David Selby
college what-matters more-time
Your education never stops and college is just the beginning. You come out of college with a huge advantage in that you've ideally and more times than not you've come out with a love of learning and that's what matters above all. David McCullough
college punishment liable
I didn't really escape that gravity until I moved 300 miles south to go to college at 18, where authorship no longer seemed something liable to induce vengeful punishment. David Knopfler
college long together
We essentially spent our college years together [with Seth Rogen and Evan Goldberg], so those were the kind of lasting friendships and the bond you form during those years, and those friendships last a really long time. David Krumholtz
college favorites-things journalism
My favorite thing is still journalism. I'm almost 50. This has been my life ever since I was in college. David Talbot
competition way said
Intelligence is not a competition," she said. "There is plenty to go around, and there are many ways it can be demonstrated. Chris Colfer
competition loser winner
Global competition is about winners and losers. David Korten
competition experience ought particular people players time
During such a competition players are there for a long time as well as all the people around them. They need to train, to eat, to go out. There ought to be something in it for everyone. On that particular point, my experience has been a bonus. Michel Patini
competition concerns rising
There are concerns about rising competition and there is still more to come. Kevin Roe
competition fighting fights-and-fighting win won
We?re in it to win it, but we?d be out there fighting the same way if we had never won anything. We don?t see it as pressure. We see it as competition, and competition is fun. Greg Haga
competition due greatest slow
We started off slow also due to us not having the greatest competition come at us. Holly Jones
competition olympics
I don't rank competitions - every single one is the Olympics to me. Blanka Vlasic
competition age competence
I've reached the age where competence is a turn-on. Billy Joel
competition tradition
The competitions are as much a part of the tradition as the actual dances. Eddie Murphy
costs decides
The person who decides is dictating why the costs are what they are. Ed Bolen
costs finding profits requests
When you take all those costs out you're not finding unreasonable profits for everything we have to do to get (gasoline) to consumers. These requests are just unfortunate. John Felmy
costs general growth hard helped limit pace pump rises worked
We also worked hard on costs and managed to limit rises in sales, general and administrative costs to the growth pace of sales, which helped pump up top-line (operating) profit. Toshizo Tanaka
costs decisions design elements people understand
We want people to understand that we have to look at maintenance costs and staffing in decisions on design elements for the pool. Doug Jackson
costs forward good ideas learning open past people product vision wholly
We want people to come forward with different ideas. We are learning from procurements past that if you go out with a wholly prescriptive vision of what you want, very often you end with a product that isn't as good and costs more. You have to be open to innovation. Andy Burnham
costs good money seriously wholesale
Yeah, it costs more money to get to a show, but this is a seriously good show for the wholesale market. Mark Dooley
costs higher
We're going to see higher construction costs anywhere. Shannon LaRocque
costs money sure system works
We're going to find a different system that works for us, even if that costs us some money to do that. You want to make sure you know what you have in the classroom. Tim Ehrgott
costs demand lack nobody problem situation skilled
What we're having here isn't a demand constraint. It's a situation that nobody predicted. The No. 1 problem is construction costs and lack of skilled labor. Richard Lee
driving truck inns
Childbirth, as a strictly physical phenomenon, is comparable to driving a United Parcel truck through an inner tube. Dave Barry
driving force activism
Activism has always been the driving force for change. David Swanson
driving love soon together
We started driving around together as soon as we got our licenses. We love to drive. Nick Pisca
driving experience jump lost precious sudden turned upside
This sudden jump turned her driving experience upside down and her whole world upside down. She lost the most precious thing there was to her. Her intoxication had nothing to do with that. Elbert Hatchett
driving factors market nice reminder step
When you step back and put it all together, it's nice timing. It's a New Year's reminder of the geo-political factors that are driving the market higher. Mike Wittner
driving easy interstate
It's not supposed to be easy. It's not supposed to be driving down the interstate. Carl Edwards
driving girls help run
When you run with those girls every day, you can't help but get better and that is what is driving them. Tracy Harris
driving home safely
We want everyone to get home safely who may be impaired from driving for any reason. Bob Krueger
driving hurricane imagine looked loss months six
When we were first driving through the town, I was at a loss for words. It looked like the hurricane had just come through the day before we got there. I can not even imagine what it looked like six months ago. Ryanne Floyd
family blood giving
Family not only need to consist of merely those whom we share blood, but also for those whom we'd give blood. Charles Dickens
family government community
The family is the most basic unit of government. As the first community to which a person is attached and the first authority under which a person learns to live, the family establishes society's most basic values. Charles Caleb Colton
family philosophy character
Accidents will occur in the best-regulated families; and in families not regulated by that pervading influence which sanctifies while it enhances... in short, by the influence of Woman, in the lofty character of Wife, they may be expected with confidence, and must be borne with philosophy. Charles Dickens
family father son
A father's holy life is a rich legacy for his sons. Charles Spurgeon
family cooking cooking-and-love
I love cooking for myself and cooking for my family. Al Roker
family religious age
I grew up in a very religious family. I could read the Qu'ran easily at the age of five. Akhmad Kadyrov
family kids night preach pride thursday together worry
We want the kids to take pride in the Lely brand. We preach family and Thursday night we were all together and we didn't have to worry about where they were. Chris Metzger
family son said
She said I do on day 482, and gave me a son on day 761. Chris Cagle
family checks shows
I tend to show everything I do to my family, to check they won't be offended. David Sedaris
federal-reserve
From now on, depressions will be scientifically created. Charles Lindbergh
federal government increase
We have seen an outrageous increase in the size, scope, and intrusiveness of the federal government. Jason Chaffetz
federal government
We have no idea. We will never know, because so much being done by the federal government now is shrouded in secrecy. Fran Quigley
federal history state supported
We're making history again. Never before have we supported so many state and federal missions. J. Horton
federal meeting next remain reserve stimulus underlying vacuum week
We remain in a stimulus vacuum and the underlying motif this week will be the Federal Reserve meeting next week. Larry Wachtel
federal imposed past tax
What has been the fastest-growing federal tax imposed on middle-income Americans over the past 20 years?, Stephen Moore
federal incident needed resource unless
Unless it can be credibly established that a mobilizing Federal resource ... is not needed at the catastrophic incident venue, that resource deploys, Michael Chertoff
federal-reserve forecasting recessions
The Federal Reserve is not currently forecasting a recession. Ben Bernanke
federal government man means success
I should not get Social Security. I think it's a travesty for a man of my success and of my means to get anything from the federal government. Kenneth Langone
government people should
People shouldn't be afraid of their government. Governments should be afraid of their people. Alan Moore
government giving enemy
In the time of Mrs Thatcher the church, to give it its due, spoke out and was an enemy of the Conservative government. Alan Green
government favors corruption
In general, corruption tends to exist whenever governments have favors to extend, or something to sell. Alan Greenspan
government purpose regulators
The guiding purpose of the government regulator is to prevent rather than to create something. Alan Greenspan
government support political
Stripped of its academic jargon, the welfare state is nothing more than a mechanism by which governments confiscate the wealth of the productive members of a society to support a wide variety of welfare schemes. A substantial part of the confiscation is effected by taxation. But the welfare statists were quick to recognize that if they wished to retain political power, the amount of taxation had to be limited and they had to resort to programs of massive deficit spending, i.e., they had to borrow money,by issuing government bonds, to finance welfare expenditures on a large scale. Alan Greenspan
government self credit
We are in the midst of a once-in-a-century credit tsunami. Central banks and governments are being required to take unprecedented measures. Those of us who have looked to the self-interest of lending institutions to protect shareholders' equity are in a state of shocked disbelief. Alan Greenspan
government giving needs
We need an amendment that gives us the right to vote protected by the federal government and the Constitution. Al Sharpton
government america united-states
If we have any problems, it's always with the government of the United States. Akbar Hashemi Rafsanjani
government opportunity work
We want the opportunity to work with the government on this. Andy Troszok
hidden hide problem women
The problem is with men. I know I shouldn't say this, but they've shrouded and hidden women to hide their incompetence. John Galliano
hidden industrial modern plantation prosperity return secret wartime
To understand the hidden secret of the modern industrial world in which I find myself, I have to return to another world. That world is at once wartime Nice and the plantation - the sugar isles on which Europe's prosperity was built. J. M. G. Le Clezio
hidden modern
Modern slavery is a hidden crime and notoriously difficult to measure. Mo Ibrahim
hidden jack matter maverick range seems stay tv wonder
You do have to wonder how Jack Bauer, maverick hero of '24,' can stay hidden for so long when no matter where he goes, he always seems within range of a TV camera. Or six. Tom Shales
hidden scary
We're not scary and we don't have a hidden agenda, Steve Greene
hidden search
When a thing is funny, search it for a hidden truth. George Bernard Shaw
hidden sacred science writings
Read the sacred writings of all the peoples on Earth. Through all of them runs, like a red thread, the hidden Science of attaining and maintaining wakefulness. Gustave Meyrink
hidden wrong
There are so many things that can go wrong and so many hidden costs. Tim Carter
hidden lay purpose reveals test thoughts work
There is no better test of a man's work than time, which also reveals the thoughts which lay hidden in his breast. Simonides Simonides
higher fewer
The higher you go, the fewer women there are. Chimamanda Ngozi Adichie
higher
The higher up I went, the less happy I was. Dave Chappelle
higher rising students
We have to get students rising to that higher standard. John Winn
higher naturally raise software stocks trade
We're going to see more software acquisitions at higher valuations. Stocks naturally will trade higher when you raise the bar. Patrick Mason
higher law past quality submit
We are getting more submissions so, on the law of averages, we are going to end up with higher quality bands. Those who didn't submit in the past now know this isn't some rinky-dink festival. Bill Donabedian
higher prices
Ultimately, it will be higher prices for the consumer. Charles Holliday
higher life people
In centenarians and supercentenarians - people over 110 - you see a higher level of fecundity much later in life. S. Jay Olshansky
higher
Nobody is going to occupy a place higher than I. Alexis de Tocqueville
higher percentage trying
We're just trying to get better down there, ... We just need to get more (touchdowns). We're not going to get a touchdown every time, but we need to get a higher percentage of them. Mark Richt
interesting challenges trying
You try to find things that are challenging and interesting and hopefully it will be the same to the audience. Alan Rickman
interesting acting process
What's interesting about the process of acting is how often you don't know what you're doing. Alan Rickman
interesting enemy brain
I am often thought of as being remarkably bright, and yet my brains, more often than not, are busily devising new and interesting ways of bringing my enemies to sudden, gagging, writhing, agonizing death. Alan Bradley
interesting interviews want
I want to be interesting in an interview just as much as I want to do well in a part. Al Pacino
interested start sure talking
We want to start talking (soon) and make sure we let them know we want them. They've let us know they're very interested in talking. Dennis Morgigno
interesting waiting groups
I do not always find the streets interesting, so I wait until I see picturesque groups and those that compose well in relation to the whole. Childe Hassam
interesting challenges important
The work is challenging, interesting and an important part of our legal system. David Minge
interesting people perfect
The most interesting people are never perfect. David McCullough
interesting people notes
It is interesting to note that the 200 richest people have more assets than the 2 billion poorest. David Korten
loan moron
Only morons start a business on a loan? Mark Cuban
loan secure takes
We would put a deposit in to secure the loan. To me, that takes us out of the loan business. Jerry Thompson
loan
I enquired about getting Shaun back on loan but they said 'no', I don't think they want him to go anywhere. Stuart Pearce
loan
I know nothing about the inner workings of Russia. I don't deal there. I have no businesses there. I have no loans from Russia. Donald Trump
loan phenomenal agree
I started with a $1 million loan. I agree with that. It's a $1 million loan. But I built a phenomenal company. Donald Trump
loan money signed somebody spend surprised
I wouldn't be surprised if Preston signed somebody this week. They've got the money to go out and spend a loan fee. Tony Pulis
loan sorted week
He is still on loan for another week and we will look to get something sorted out around then. Peter Jackson
loans obtained turkey
Turkey could not have obtained loans under better conditions. Kemal Dervis
loan offset portfolio production
Over the longer-term, Countrywide is well positioned. There is too much loan production capacity. The servicing portfolio should offset that as originations slow. Thane Bublitz
means
The perception of what a thing is and the perception of what it means are not separate, either. James J. Gibson
means police sit
We are police officers. We don't sit back and watch. We have to get out and do something. Being able to do something means a lot. Joseph Capriotti
means next propose range rifle trail year
We're not going to propose a trail ... through the rifle range next year as a means to the end. Tom Reilly
means names people science whenever
Whenever you do science it's important to know individuals. And that means you have to distinguish one from another, just like we give names to people we have to be able to give names to penguins. And we often do that with bands. Dee Boersma
means share slowing
When everyone else is slowing and you're not, it means share gains. Shaw Wu
means time whenever wherever
For Net-A-Porter and its customers, luxury means exceptional service, 24-7 - wherever they are, whenever they have time. Natalie Massenet
means speed start
We're so young that when they start to press, we think that means we need to speed up. Chris Harper
means progress promote secret service social society unity
Unity is the secret of social progress, and service to society is the means to promote it. Sathya Baba
means regime settled
We're more settled. A new regime means changes, and things have settled down. Jimmy Smith
mortgage numbers threw
Today's numbers threw some (inflation) fears. We could see some nervousness on the mortgage side. Brian Brennan
mortgage knows
I got a mortgage at 17! I didn't even know you could get a mortgage at 17. Jennifer Ellison
mortgage paying rent
It's tough. My mortgage there is $2,000, and my rent here is $2,350, so we're not doing much but working and paying the mortgage. John Porter
mortgage
I made all my payments on time, but I never got a mortgage bill. Carol Rebello
mortgage muse
I don't have a muse. I have a mortgage. Jim Butcher
mortgage angry
I'm angry and I understand why Australians paying mortgages are angry. Julia Gillard
mortgage should sensible
It's a sensible rule that says before you get a mortgage it should be checked whether you can afford it. Martin Lewis
mortgage salvation altars
We will not, on the altar of money, mortgage our conscience, mortgage our faith, mortgage our salvation. Peter Akinola
mortgage realized work
I realized I didn't need to go to work every day. I could work for the pleasure and the challenge, not for the mortgage payment. Chris Gabrieli
pay attention share
I've bought QPP shares but unfortunately both times I bought it they immediately dropped by over 10p. Do you pay much attention to the dealing notes? Alan Green
pay attention objects
Faith is occupied with the Object upon which it rests and pays no attention to itself at all. Aiden Wilson Tozer
pay ifs
I would pay to do what I do if I had to. David McCullough
pay debt turns
As it turns out, we don't "all" have to pay our debts. Only some of us do. David Graeber
payroll-tax taxes payroll
I've never supported a wage tax and I've never supported a payroll tax. David Dewhurst
payroll-tax taxes payroll
Ive never supported a payroll tax. David Dewhurst
pay attention use
Pay close attention to the particular thoughts you use to deprive yourself of happiness. Byron Katie
pay attention pay-attention
I said, I'm going to stand up and somebody is going to pay attention to me. Buddy Guy
pay matter taught
Courage taught me no matter how bad a crisis gets… any sound investment will eventually pay off. Carlos Slim
rates worse
This rates up there as one of the worse we have ever seen. Mark Langan
rates wants
Let's get one thing straight: No one wants Stafford loan interest rates to increase. John Kline
rates
Different industries have different risks and growth rates and volatility. Leon Black
rates
Homeowners refinance their loans when interest rates go down. Businesses refinance their loans. Elizabeth Warren
rates
We don't know the rates of (reef) growth. Chris Perry
rates
Obviously, many renters have become homeowners as rates have fallen. Lawrence Yun
rates
It's sort of like a teeter-totter; when interest rates go down, prices go up. Bill Gross
rates relatively uninsured
Overall, the story is that uninsured rates are relatively stable. Charles Nelson
rates
Our rates only go up once a year, and that's in June. Russ Jones
taxi-cabs car weapons
No, in Lethal Weapon I was a taxi cab driver that Mel jumps in front of the taxi and pulls me out of the car and steals the taxi. Then I did some other indie driving for some of the car sequences. David R. Ellis
taxes cents
I don't like paying 50 per cent of tax. Alan Sugar
taxed
Who are ever taxed? Individuals only. Who have property that can be taxed? Individuals only. Who can give their consent to be taxed? Individuals only. Who are ever taxed without their consent? Individuals only. Who, then, are robbed, if taxed without their consent? Individuals only. Lysander Spooner
taxes
In levying taxes and in shearing sheep it is well to stop when you get down to the skin. Austin O'Malley
tax
You do not need to be a tax expert. In fact, you can be a tax idiot. Deb Kottel
taxation sugar commodity
Sugar, rum and tobacco are commodities which are nowhere necessaries of life, which are become objects of almost universal consumption, and which are therefore extremely proper subjects of taxation. Adam Smith
taxes raises uncertainty
You dont raise taxes in times of such uncertainty. Jason Chaffetz
taxes
We can't live without taxes, but we sure would like to have good ones. Charles Adams
taxation citizens indirect
Note, besides, that it is no more immoral to directly rob citizens than to slip indirect taxes into the price of goods that they cannot do without. Albert Camus