A Quote by Andrea McLean
The only time I've ever taken out a loan is for the building work I had done at our house and I did that by extending the mortgage.
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Now, suppose that a homeowner puts down only 3% of their own money or 3.5% for the FHA. That means if prices go down by only 3%, the house will be in negative equity and it would pay the homeowner just to walk away and say, "The house now is worth less than the mortgage I owe. I think I'm just going to move out and buy a cheaper house." So it's very risky when you have only a 3% or 3.5% equity for the loan. The bank really isn't left with much cushion as collateral.
In the old days, when you took out a mortgage, it was probably through a local bank or a credit union, and whoever gave you your loan held on to it for life. If you lost your job or got too sick to work and suddenly had trouble making your payments, you could call a human being and work things out.
I did a lot of work on energy efficiency at the White House. By the time I left we had taken the equivalent of six hundred cars a year off the road in reduced greenhouse gas emissions just in the White House complex.
Instead of thinking about building up my image or building up my brand or building up my career, I've turned it and taken the approach of focusing on what I can give instead of what I can get. It's been a very enjoyable process for me. That's more of a heart position that I've taken. It's been one of the greatest things I've ever done.
I kind of had a quarter-life crisis before I did 'Rent.' I had done Glinda in 'Wicked' for a while. I had worked for Cirque Du Soleil, and then I did 'Hair.' Then I had a real quiet time, not having work, and it was a time of not only self-discovery of me as a person, but also what I wanted as an artist and actor.
Both HUD and the Department of Justice began bringing lawsuits against mortgage bankers when a higher percentage of minority applicants than white applicants were turned down for mortgage loans. A substantial majority of both black and white mortgage loan applicants had their loans approved but a statistical difference was enough to get a bank sued.
The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.
I was only 21 when I bought a five-bedroom detached house in Stoke-on-Trent that was way outside of my financial status in life. I did it by borrowing money from my family and the bank, taking out a huge mortgage.
Anyone who has ever taken out a mortgage will be unsurprised to learn that it is, literally, a /death pledge/.
If you wanted to create jobs in a way that has minimal effect on the deficit but has government action, the two best things you could do are the infrastructure bank and a simple SBA-like loan guarantee for all building retrofits, where the contractor or the energy-service company guarantees the savings. So that allows the bank to loan money to let a school or a college or a hospital or a museum or a commercial building unencumbered by debt to loan it on terms that are longer, so you can pay it back only from your utility savings. You could create a million jobs doing that.
Take the stupidest thing you've ever done. At least it's done. It's over. It's gone. We can all learn from our mistakes and heal and move on. But it's harder to learn or heal or move on from something that hasn't happened; something we don't know and is therefore indefinable; something which could very easily have been the best thing in our lives, if only we'd taken the plunge, if only we'd held our breath and stood up and done it, if only we'd said yes.
I'll bet you there are a lot of Donald Trump people out there who say, "If he has to work with Democrats to get what he wants done, then so be it. Even when Trump did the first deal with Chuck Schumer and Nancy Pelosi on expanding the debt limit - and he talked about extending the debt limit forever 'cause it was such a good thing, Trump did." I had people saying, "You know what? I love it!" I'm talking about rock-ribbed, lifetime Republicans who said to me, "I love Trump sticking it to Mitch McConnell and Paul Ryan, but I not sure I like it being done this way."
'The Good Wife' was definitely the biggest surprise and gift that I've had in a long time, and that did come out of some other work that I had done. That whole adage of 'work begets work' actually worked in that case - it was at the very end of their first season that my character was first introduced.
A consolidation makes sense only if you can lower your overall interest rate. Many people consolidate by taking out a home equity line loan or home equity line of credit (HELOC), refinancing a mortgage, or taking out a personal loan. They then use this cheaper debt to pay off more expensive debt, most frequently credit card loans, but also auto loans, private student loans, or other debt.
The Good Wife was definitely the biggest surprise and gift that Ive had in a long time, and that did come out of some other work that I had done. That whole adage of work begets work actually worked in that case - it was at the very end of their first season that my character was first introduced.
A finer body of men has never been gathered by any nation than the men who have done the work of building the Panama Canal; the conditions under which they have lived and have done their work have been better than in any similar work ever undertaken in the tropics; they have all felt an eager pride in their work; and they have made not only America but the whole world their debtors by what they have accomplished.
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