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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 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 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 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 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 chinese clients earn fixed higher payment pressure product recommend since trigger
It will trigger higher payment pressure on borrowers in those months. I will not recommend the product to our clients since most Chinese still earn fixed monthly salaries. Wang Lei
borrowers car college competition costs driving family federal government hidden higher interest loan means mortgage pay rates tax
If you are not able to pay down the debt, that means that the federal government is in competition with private-sector borrowers for money, driving up the costs of interest rates and that's a hidden tax on every American family -- higher mortgage payments, higher car payments, higher college loan payments, Kent Conrad
borrowers harder low money pay points rates trim
If you pay points up front, it's harder to get your money back. When rates are high, borrowers have to pay points to trim rates any way they can, but with rates so low there is really no need to pay those points. Keith Gumbinger
care deserve gap group regardless
Regardless of who you are or what group you're in, there is a significant gap between the care you deserve and the care you receive. Reed Tuckson
carry happens ready regardless start thinking tuesday
Regardless of what happens Tuesday (tonight), we're not going to carry it into the weekend. When this one's over, we'll immediately start thinking about and getting ready for the weekend. Tony Robichaux
car quality regardless selling successful top
Regardless of the quality or sophistication of rivals, the 207 will be another successful car and it will be the top selling car in the segment. Peter Schmidt
care looking playing regardless rolling whoever
Regardless of our seeding, as long as we're playing well and rolling into the playoffs, that's what we care about. We're just looking at whoever we play, we have to be prepared. Vince Carter
career fighting finish hard injuries leave open recently retire summit
Recently I have been fighting more often with injuries than with my opponents. It's hard to retire from this sport, but I want to finish my career at the summit and leave the way open for my successors. Vitali Klitschko
carriers currently financial flights fuel growth industry negatively offer performance
Record-high fuel costs, industry overcapacity, and the growth of low-cost carriers and the fares they are able to offer are negatively impacting the financial performance of many of the flights we currently operate, Tim Griffin
career continues offensive presence remarkable solid
Reggie has just had a remarkable career and continues to give us a solid offensive presence that makes us a lot better. Greg Mason
carefully concern contracts districts price school
Price is a big concern in school districts all over the state. We didn't necessarily look this carefully at our contracts before. Walter Miller
cared life previous uncommon walks winners
Previous winners have come from all walks of life in our community, and they all had one thing in common, the uncommon way they cared about our community. Henry Johnson
colleges high knew looked magazines parents people ranked talked
Our parents kind of looked at different magazines and talked to people they knew and kind of looked at colleges that were ranked high in the Midwest. Sara Anderson
college coming complete field middle passes quality threw
Passes that I threw in college up the middle of the field that were complete were now intercepted and coming right back at you. It's the quality of players. They don't let you make many mistakes. Jake Plummer
college difficult early huge impact junior liked players playing practiced
Sure. You would have liked (more production). Rickey has practiced well and is getting in shape. That comes from playing and not being in the system. It is difficult for junior college players to come in and make a huge impact early on. Mike Stoops
college excited football involved love people
Sure, it's a challenge, but if you love college football this is something you want to be involved in. Our people are really excited about it. John Junker
college knowledge skills states
States have no idea about the knowledge and skills of their college graduates. Joni Finney
college knew less small state
State College was small then. You more or less knew everyone. Helen Haugh
college experience good great hitter likely needed outside player quite skills solid student
Stephanie is a great all-around player who will most likely play outside hitter for us. She has solid fundamental skills needed to play college volleyball, and has a good feel for the game. With experience under her belt, Stephanie will become quite a student of the game. Jocelyn Price
college field
Some of these (junior colleges) come in and don't even think we should be on the same field as them. Jon Barber
college lower operate towns
Some of the college towns that we operate in in the Lower 48 do this every year. David Atlee
competition excited focus forward good looking opponent regardless speed ten terms time year
Regardless if it is a Big Ten opponent or a non-Big Ten opponent, this time of the year the focus is still to get up and race. I'm awfully excited to see where we are right now in terms of racing. I'm looking forward to see what kind of speed we have right now. There's going to be some good competition out there. Bill Dorenkott
competition ensure food natural necessary protect regulation treatment
Regulation is necessary to protect our natural environment, keep our food and medicine safe, and ensure fair competition and fair treatment of our workers. Marco Rubio
competition conditions current currently difficult few financial imminent indicate industry retail signs strong trading within
Particularly during the remainder of the current financial year, I see very few encouraging signs within the retail industry that would indicate an imminent end to the difficult trading conditions and strong competition that we are currently experiencing, Roger Lane
competition due fair laws life mutual
Our life is not really a mutual helpfulness; but rather, it's fair competition cloaked under due laws of war; it's a mutual hostility. Thomas Carlyle
competition good league strong teams
Our league is always strong and always competitive. The competition we play in our league is outstanding, and it makes teams better good competition is always good for everything. Mike Kohs
competition conducive good intense
Some of the competition will be pretty stiff. It's a very intense atmosphere, very conducive to good performances. Jennifer Joyce
competition forces good people
Somehow, people act like I have no competition, but the thing is, the competition is so good that it forces me to be better than I even thought was possible. Ronda Rousey
competition taking tough
That competition is tough and textiles are really taking a hit. Joe King
competition helped needed prepared time
That competition has helped us. We'll be as prepared as we can be, but the time off will really help us, too. We needed a rest. Howie Hewitt
costs curb excessive litigation reform
Reform is needed, especially in the U.S., to curb the excessive litigation costs . Chris Parker
costs military needs record seeing sustaining
Our military's unmet needs are at record levels. We are seeing the costs and strains of sustaining a military at war. Ike Skelton
costs deficits huge iraq looking people running situation
People know we're running huge deficits and they know the costs have just rocketed upward. Many Americans are now looking at the Iraq situation in that context. Cal Jillson
costs expected increase month percent steel
Steel costs are expected to increase another 20 percent this month alone. D. James
costs cover dip economy effects employees forcing gas increases price ripple serious situation staggering throughout
Staggering increases in the price of gas are having serious ripple effects throughout the economy and forcing employees to dip into their own packets to cover the costs of fuel. This is an untenable situation for these workers. Colleen Kelley
costs curves early guide learning massive quickly torment
Some of the things I did in my early career were massive learning curves because I had no one to guide me. You learn very quickly because it costs you torment and trouble. John Caudwell
costs funds might perceive start
Some funds might not start up because they perceive these costs as being too high. Michael Gray
costs gone
Our productivity is way up and costs have gone way down. Pat Stewart
costs driving goal people reduce
Our goal is to reduce the costs of gasoline-hybrids, get a lot of people driving them, and then think about diesel-hybrids. Kazuo Okamoto
driving endanger likely manner operating reckless speed vehicle
Reckless driving is operating a vehicle in a speed or manner likely to endanger other drivers. Dave Jones
driving excellent growth recent solid strength subscriber
Recent strength in monthly revenue, coupled with solid subscriber additions, is driving excellent top-line growth in our business. Paul Saleh
driving night starting system vision
Our researchers are working out a ranking system now. This is an important category, though, if you do a lot of night driving or if your vision is starting to diminish. Ray Tyson
driving fast paying people
People just aren't paying attention. They're driving too fast and not paying attention. John Dilling
driving finding home shock system three
Some of these guys, they're still driving home. They're not even home yet and they're finding out all this news. I've been part of this system for three years, and it's a shock to you. It's tough. Nate Robertson
driving factor factors increase main mean results
Our results do not mean that temperature is the only or the main factor driving the increase in malaria, but that it is one of many factors that should be considered. Mercedes Pascual
driving general great returns valuable
Our goal is to make General Motors the most valuable automotive company. Clearly, that is having sustainable profitability and driving great returns for our shareholders. Mary Barra
driving drunk house increased members number penalties powerful small supported
I think there are a small number of very powerful members of the House who have never supported increased penalties for drunk driving and they don't support them now. Ron Bersani
driving feels last near playing shows year
Last year at this time, we were driving around playing shows near Sheffield. Now, it feels like we'll at least have a go at it. Alex Turner
family fought hard kelly patty
Patty Kelly fought very hard to keep it in the family and to keep it open. She wanted to keep it part of Hoboken. Nora Martinez
family imperial left opportunity taste
Part of her must feel carefree, relieved, now that she has left the imperial family and become a commoner. I want to set up an opportunity so that she can get a taste of this. Shintaro Ishihara
family graduates highest medical percentage practice puts school
Our medical school puts the highest percentage of graduates into pediatrics and family practice in the country. Harris Pastides
family
Our lives are so hectic and full, and we have a big family right now. Marion Jones
family organ people question sign talk
People need to sign up to be organ donors, but then they need to talk to their family about it so there is no question what to do with your organs. Mike Strauss
family missed passed people wonderful
People have passed on wonderful family trips, family reunions, missed funerals, missed weddings. Liz Harrison
family hunt land larger people themselves tracts
People have larger tracts of land and they'll hunt it themselves or have family and friends hunt it. Wendy Rosenbach
family handicap knew people talked
People in his family have diabetes, so he knew what I was going through, and he talked to me about it. On other teams, when they find out you have it, it's like you have a handicap and you become a liability. They don't even give you a chance. Kendall Simmons
family few friend gone judge knowing last people son stuff time wife
People may see this and judge without really knowing the stuff he's gone through the last few years. My wife and I went to see him and his family after his son died. He was very quiet. At a time like that, all you can do as a friend is just be there. Tommy Hutton
federalism obligated regarding sort thinks
Regarding the sort of federalism and its details, he thinks that federalism is not obligated to anything other than being general. Ibrahim Jaafari
federal goal government overall step
Our overall goal is to see the federal government step up to the plate. James Frederick
federal government mad operation people
Some people are mad that I 'let' the federal government set up this operation in the town, ... I didn't really have a choice. George Grace
federal gaming industry law
Our company, and really the gaming industry as a whole, complies with federal law on hiring. David Strow
federal government local manage rely states
Other states rely much more heavily on their state government and the federal government to come in and manage the support. In California, emergencies are managed on the local level. Eric Lamoureux
federal government senators terms thinking voting
Right now our two U.S. Senators and our U.S. Congressman are all over the place in terms of what they're thinking and how they're voting on this issue. So, I would really like to see our Federal Government representation get on the same page. Jessica Thill
federal invaluable reserve roger
Roger made invaluable contributions to the Federal Reserve and to the country. Ben Bernanke
federal hands plan putting responsibility support
I will not support putting the responsibility of the plan in the hands of the federal government. Steve Cooper
federal government provide
I think the most important thing government can do is provide flexibility for federal monies. George H. W. Bush
government mandate recount strong
Recount or no recount, there's going to be a government without a strong mandate or much flexibility. Michael Carter
government parliament
Parliament has to urgently and immediately take up the issue. It is up to the government to see how they do it. Parliament will have to enact the law. Eventually, even it (ordinance) will have to come to parliament. Sitaram Yechury
government india interest keen taken
Suddenly, the government of India has taken a very keen interest in these far-flung islands. Samir Acharya
government smarter state work
State government must work leaner but smarter than ever before, Kathleen Blanco
government position
Our position would be that it is, and always has been, government property. Roger Launius
government submit sure task
Our task is to make sure the government does not submit the bill. Takeo Hiranuma
government remember
Remember that a government big enough to give you everything you want is also big enough to take away everything you have. Barry Goldwater
government democracy social
Democracy is not a form of government, but a form of social organisation. B. R. Ambedkar
government source
A permissive government is a government that leaves control to other sources. B. F. Skinner
hidden oil wasted
Our wasted oil unprofitably burns,Like hidden lamps in old sepulchral urns. William Cowper
hidden knows left money picking rest somebody
I think she's got him hidden out someplace. She knows where he is, that you can rest assured. He left that place with no shoes, no jacket. He didn't even take his money with him. He told his roommate somebody was picking him up. Judy Hayles
hidden
I think she's got him hidden out someplace. Judy Hayles
hidden wrong
There are so many things that can go wrong and so many hidden costs. Tim Carter
hidden issue state stop testament
For too long, it's been a hidden issue in Florida. It's a testament to our state that we're going to try to stop this. Rep. Gannon
hidden knack moments niches others people shared
He had a knack for getting things out of people that others never got out of them niches and hidden moments that they never shared with anyone. But they did with Mike. Don Hewitt
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
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 search
When a thing is funny, search it for a hidden truth. George Bernard Shaw
higher hoping mall marketing message passing poster sees shopping somebody stakes strategy street
Passing out flyers at a shopping mall or hoping somebody sees a poster doesn't get through to today's jaded, image-bombarded, media-savvy young consumer. Street marketing is practically an old strategy now, so the stakes are much higher when it comes to getting your message across. Ron Vos
higher holidays keeping normal production supplies
Supplies really aren't a problem. Consumption over the holidays is usually a little higher than normal but production has been keeping up. Mark Waggoner
higher increase increased market reflecting resilience structural value values viewed
Such an increase in market value is too often viewed by market participants as structural and permanent, ... To some extent, those higher values may be reflecting the increased flexibility and resilience of our economy. Alan Greenspan
higher imagine peaks
Some of the higher peaks I would imagine could see 2 1/2 feet. Justin Lane
higher standards
Some of our standards are higher than the U.S. Satish Kumar
higher last percent prices time
Our prices are 18 percent higher that they were this time last year. Karen Johnson
higher tournament
Our RPI has to get higher for any tournament play. Rhonda Rompola
higher last rate year
Our attrition rate is not higher than last year but it is higher than we would like. Bill Cooke
higher inventory lack
Right there, there is not that much inventory for that kind of property. Because of a lack of availability, what you get is higher prices. William Ross
interested madrid
Real Madrid are interested in him but I don't know if there have been any contacts. Adriano Galliani
interests message punishing releasing risk send serious vital
Releasing Mr. Pollard would put vital U.S. interests at risk and send the message that we are not serious about punishing espionage. Doug Bereuter
interested
Paulo would be one we are interested in but not at the moment. Phil Brown
interest operating smooth tend
Our operating procedures, as you suggest, do tend to smooth out short-run fluctuations in short-term interest rates, Alan Greenspan
interest next star
Star Wars' is a 20-year-old brand. When the next 'Star Wars' movie comes out, there's going to be much more interest in the product. Chris Byrne
interests majority represent rural sportsmen views
Sportsmen represent a very important constituency to this campaign. They reflect, in many cases, the interests and views of a majority of Americans and rural America. Danny Diaz
interested seniors weakness
Our weakness is inexperience. We have no seniors and we've never been here before. I'll be interested to see how we come out and play. R. Robinson
interesting way anything-goes
Anything goes. You always find interesting things that way. Beck
interested judges poles
We've told all judges we're not interested in their money, we don't want it. We want the poles removed. Bill Shaw
loan
It is legalized loan sharking at its worst. Linda Hilton
loan sorted week
He is still on loan for another week and we will look to get something sorted out around then. Peter Jackson
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
I enquired about getting Shaun back on loan but they said 'no', I don't think they want him to go anywhere. Stuart Pearce
loans reserve
All the Federal Reserve can do is make loans against collateral. Ben Bernanke
loan money support
We have two options. We could give them the money or we could support or back a loan for them. Wesley Hill
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
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
means rebuilding walls
Rebuilding here means so much more than walls and roofs and levees. Craig Colten
means rally
Our rally was a little late, but things are by no means over. Akinobu Okada
means parents playing recognize riding risks teens understand
Parents who understand the risks recognize that it is important to keep teens from riding with other teens, even if it means playing 'chauffer' for one more year. Cheri Cihak
means state
State means everything to this team. As seniors, it means so much more for us. Lisa Busch
means platitudes public
Some of that means that in your public statements, ... you end up trafficking in public platitudes more than you'd want to do at home. Barack Obama
means prevent security services trying
Our security services are trying to use all means to prevent their arrival. Mahmud Abbas
means unit
'Redeployment' is a military term. It means to transfer a unit from one area to another. Phil Klay
means people senators talk travels
(We need) a broad-ranging inquiry, one that travels around the country, so that working people can talk to the senators about what it means for them. Sharan Burrow
means
It is an encouraging sign, but we don't know what it all means and where those smelt will end up. Joe Hymer
mortgage numbers threw
Today's numbers threw some (inflation) fears. We could see some nervousness on the mortgage side. Brian Brennan
mortgage
I made all my payments on time, but I never got a mortgage bill. Carol Rebello
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
mortgage angry
I'm angry and I understand why Australians paying mortgages are angry. Julia Gillard
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 muse
I don't have a muse. I have a mortgage. Jim Butcher
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
paying
Paying for it now is going to pay off later. Audrey Singer
payment single social
Payfirma has revolutionized the payment process, consolidating mobile, e-commerce and in-store payments under a single solution, much like HootSuite did for social media. Ryan Holmes
pay
pay as you go and what you can afford. Michael Griffin
pay talks
Pay talks have now become a pay-related workers' movement. Juergen Peters
paying people
People need to be careful. See what you're paying for the perk. Reuben Brewer
paying people
People making under $100,000 are going to be paying more, Phil Angelides
pay people products willing
Our products are not cheap. But people are willing to pay for our products because they know they're getting quality. Bob Cummins
pay paying property report taxes
Overall, I thought the report was positive. I did think there were some misconceptions. Hispanics do pay taxes. If they are paying rent, they are paying property taxes indirectly. Danny Dotson
pay player value
We never wanted to pay more for a player than his value, Rafael Benitez
rates
Our rates only go up once a year, and that's in June. Russ Jones
rates relatively uninsured
Overall, the story is that uninsured rates are relatively stable. Charles Nelson
rates
Obviously, many renters have become homeowners as rates have fallen. Lawrence Yun
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
Homeowners refinance their loans when interest rates go down. Businesses refinance their loans. Elizabeth Warren
rates
Different industries have different risks and growth rates and volatility. Leon Black
rates
We don't know the rates of (reef) growth. Chris Perry
rates
It's sort of like a teeter-totter; when interest rates go down, prices go up. Bill Gross
tax
Plainly said, the (Pennsylvania) tax is too high. Andrew Zarnett
taxes sales-tax patch-cipriano
I could get you to smile like that, and without sales tax. Becca Fitzpatrick
taxes
We can't live without taxes, but we sure would like to have good ones. Charles Adams
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
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
In levying taxes and in shearing sheep it is well to stop when you get down to the skin. Austin O'Malley
tax
We have been working to keep the tax levy down. Hans Trousil
taxpayers
The American taxpayers are a powerful force. They don't want their taxes raised. Grover Norquist
taxed time
Income should be taxed one time at one rate, not again and again. Grover Norquist