25 ordspråk av Doug Duncan

Doug Duncan

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If you take six refineries offline, the serious question is how long it takes to get them back online.

After discussing all the risks, Greenspan summed up by saying the share of households who are very highly leveraged is lower than expected and is not correlated closely with high home price states, other than California.

The refinancing activity will start to trail off but it will carry into the first half of next year.

The historical low delinquency rate was 3.9 percent in the late 1970s, while the historical high for delinquencies was 6.07 percent [in 1985]. Right now it's right in the middle between the all-time low and the all-time high, and we're just coming out of a recession.

If you pay on a monthly basis, and close on the 25th of the month, then you have about five or six days of extra interest payments. But if you close on the 5th, you'll pay 25 or 26 days' worth of interest.

While these new products provide consumers with a wide range of choices to meet their cash flow needs and risk tolerances, borrowers need to be vigilant to ensure that they prudently measure and manage the additional risk of these new products.

Housing will decline modestly from the fifth consecutive record year in 2005, but will remain robust historically. Home price appreciation rates will moderate compared to recent years.

We are certainly hearing from lenders that business is slowing down. That's consistent with our forecast.

This is evidence of a structural change — an economic chain reaction.

We expect to see a modest rise in delinquencies in the quarters ahead.

The increase of delinquencies is not surprising. We have been expecting an up-tick in delinquencies due to a number of factors.

We need to do things to clean up the bay. We don't want to be the generation responsible for destroying it.

The key, then, is to talk to multiple lenders because they serve different parts of the market. Shopping will always help you ensure that you are getting consistent stories. Then you can negotiate. When I've bought homes, I've always talked to at least three lenders and I've always gotten a better deal.

Over half of all loans out there are less than 3 years old. Loans tend to peak in probability of delinquency in 3-5 years of their life.

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Varför är inte hela Internet såhär?

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