Yes, Americans can still get credit for cars and trucks and refrigerators, and those businesses are doing well. But just try to get a home loan now.
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.
If your cloak was a gift, I appreciate it; if it was a loan, I'm not through with it yet.
I went to jail. I looked like one of those savings-and-loan guys leaving the jail house.
Americans are gathering the courage to just say no. We are saying no to addictive consumer lifestyles. We are saying no to wars and corporate takeover and the IMF loans that gobble up people and their resources.
We live in a world with serious class complexes. It is one thing to be a college student with loan debts and another thing to be just dirt poor for your entire life. The challenge is to come up with more complex understandings of where we are, more global awareness of what connects Americans with what is happening with suffering and oppressed people all around the world.
The problem of dealing with the financial industry is being addressed today. You can measure it with interest rates coming down. You can measure it with the quantity of loans, and that sort of thing. The problem is, that nobody wants to take the loans. Once the banks are willing to give it, that's only half the problem.
The rising costs of higher education coupled with the stress of paying student loans are putting increasing pressure on students.
God bless Interlibrary Loan. I pay a lot of library fines. In the case of 'A Single Shard,' I was using books that hadn't been checked out in 30 years, so I didn't feel too bad.
I would also certainly continue to keep loan repayment interest rates as low as possible. And I would spread the financial aid a little less thinly across all income brackets.
It is hard to be enthusiastic about the economy's prospects when house prices are falling: Households spend less, small business owners can't use homes as collateral for loans and local governments are forced to cut jobs and programs as property-tax revenue disappears.
The average credit score of today's FHA borrowers is higher than the average American household with a score. As it becomes more costly and difficult to get a FHA loan, loans from private mortgage lenders will become more attractive and their market share will grow.
In his second term, [Ronald] Reagan completed the work of his first term - the rich got really rich, everything was deregulated, advocacy programs were quashed, the Savings and Loan program was trashed, the deficit was tripled, unions were busted, Housing and Urban Developing was in shambles, banks were closing, the military got lots of new toys, the religious right was strong, and AIDS was ignored.
You're thinking to yourself, 'How is it possible that I am going to pay back $150,000 in student loans? I'm never going to pay that back. What am I going to do?' Listen to me and listen to me good, class of 2013. I want you to think back to all of these things you said to yourself, 'I can't do that. I can't palpate a cow. And what's worse, palpating a cow or taking semen from a horse?' But you did it, didn't you?
If we wanted a program to help the majority of the population, we'd offer loan guarantees to help poor people get access to reliable cars so that they could have a better shot at getting - and keeping - a well-paying job...A small amount of capital could make a much bigger difference in their lives than extra student loan relief for middle-class college kids would.
If two parties, instead of being a bank and an individual, were an individual and an individual, they could not inflate the circulating medium by a loan transaction, for the simple reason that the lender could not lend what he didn't have, as banks can do. Only commercial banks and trust companies can lend money that they manufacture by lending it.
For all men have but a little while to live and none knows his fate thereafter. So that a man possesses nothing certainly save a brief loan of his body: and yet the body of man is capable of much curious pleasure.
Who among us would ask our children for a loan, so we could spend money we do not have on things we do not need?
There's a big difference between having relatives who have money and actually having it yourself. Just because you have a cousin who has a lot of money doesn't mean he shares it with you. Or that you'd ask him for a loan.
The art of banking is always to balance the risk of a run with the reward of a profit. The tantalizing factor in the equation is that riskier borrowers pay higher interest rates. Ultimate safety - a strongbox full of currency - would avail the banker nothing. Maximum risk - a portfolio of loans to prospective bankrupts at usurious interest rates - would invite disaster. A good banker safely and profitably treads the middle ground.
I think people are frustrated with dysfunction, not just dysfunction in government, but a lot of dysfunction that surrounds them. I get the frustration with drugs in the neighborhood or my kids with big college loans can't find a job.
Imperialism is a system of exploitation that occurs not only in the brutal form of those who come with guns to conquer territory. Imperialism often occurs in more subtle forms, a loan, food aid, blackmail . We are fighting this system that allows a handful of men on earth to rule all of humanity.
Our time on earth and our energy, intelligence, opportunities, relationships, and resources are all gifts from God that he has entrusted to our care and management. We are stewards of whatever God gives us. This concept of stewardship begins with the recognition that God is the owner of everything and everyone on earth. ... We never actually own anything during our brief stay on earth. God just loans the earth to us while we're here. It was God's property before you arrived, and God will loan it to someone else after you die.
As gifts increase in you, let your humility grow, for you must consider that everything is given to you on loan.
I'm all in favor of banks that play their part in community endeavors, private individuals looking for loans, people who want to start up a little business, and that's what banks are for.
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