Green Loans Quotes

My degrees are the years of freedom from work that I have bought with money aka loans. Unfortunately there are only so many degrees you can do before it occurs to those around you that your passion might actually be less for study and more for not working a job. You can do one PhD, but if you do a second people tend to as you what is wrong.

There are stories. Colin was looking at Lindsey, whose eyes were crinkling into a smile as Hassan loaned her nine cents so they could keep playing. Colin thought of Lindsey’s storytelling lessons. The stories they’d told each other were so much a part of the how and why of his liking her. Okay. Loving. Four days in, and already, indisputably: loving. And he found himself thinking that maybe stories don’t just make us matter to each other—maybe they’re also the only way to the infinite mattering he’d been after for so long.

The FHA had adopted a system of maps that rated neighborhoods according to their perceived stability. On the maps, green areas, rated “A,” indicated “in demand” neighborhoods that, as one appraiser put it, lacked “a single foreigner or Negro.” These neighborhoods were considered excellent prospects for insurance. Neighborhoods where black people lived were rated “D” and were usually considered ineligible for FHA backing. They were colored in red. Neither the percentage of black people living there nor their social class mattered. Black people were viewed as a contagion. Redlining went beyond FHA-backed loans and spread to the entire mortgage industry, which was already rife with racism, excluding black people from most legitimate means of obtaining a mortgage.

Dear Helen: If you’re reading this, it means we’re no longer with you, and for that I am deeply sorry. But we are on loan in this beautiful world and everyone’s time here must come to an end as does ours. Helen Rose Dorcell, those are the three most beautiful words we have ever heard. You were the most wonderful gift we could have received from the heavens. From the first day we saw you with those mysterious green eyes and those impossible black curls, we fell in love. You are growing into a unique and wonderful woman, with your goals and your ideals firmly in place. Never let anyone take that away from you. Never let anyone tell you, you can’t do what your heart desires. I know it will be tough without us by your side, but we have faith in you. Of course, you will need a little push. There’s money hidden in a coffee-bean can underneath the ground where your mother had planted a certain flower the day you were born. You know which one. Use the money wisely, as we know you will. There’s enough to get you started and from there on, well, you can do whatever it is you need to do. Sell the farm. We both know it’s not where your happiness lies. Follow your heart, always. If you ever feel lost and alone, close your eyes and think of us. We’ll be there. We love you with all our heart. Be brave and be yourself. Your

He’d left her stranded in front of three hundred wedding guests, wearing a white dress and glass slippers like some deranged Cinderella, while he caught a plane to the Cayman Islands with a knock-kneed stripper named Chrysanthemum Greene and several million dollars embezzled from the Stardust Savings and Loan.

In the 1930s, the Home Owners’ Loan Corporation (HOLC) used color-coded maps that encouraged mortgage lenders to withhold credit from certain communities in 239 cities. These maps graded areas—A (“best”—green), B (“still desirable”—blue), C (“definitely declining”—yellow), and D (“hazardous”—red)—encouraging lending in predominantly white and more affluent areas and discouraging lending in areas with residents of color, especially “Negroes.

The FHA had adopted a system of maps that rated neighborhoods according to their perceived stability. On the maps, green areas, rated “A,” indicated “in demand” neighborhoods that, as one appraiser put it, lacked “a single foreigner or Negro.” These neighborhoods were considered excellent prospects for insurance. Neighborhoods where black people lived were rated “D” and were usually considered ineligible for FHA backing. They were colored in red. Neither the percentage of black people living there nor their social class mattered. Black people were viewed as a contagion. Redlining went beyond FHA-backed loans and spread to the entire mortgage industry, which was already rife with racism, excluding black people from most legitimate means of obtaining a mortgage.

From the 1930s through the 1960s, Black people, especially those recently arrived in the North, were largely excluded from renting in "nice" lower-cost neighborhoods or grom getting home mortgages. Local banks and the Federal Housing Administration (FHA) drew red lines around Black neighborhoods, rating them D-level areas, thus making them ineligible for government-backed mortgage loans. As a result of this practice, called "redlining," most Black people couldn't buy homes, even when they had good jobs with steady paychecks.

green burial for my own body. I understood that I had been given my atoms, the ones that made up my heart and toenails and kidneys and brain, on a kind of universal loan program. The time would come when I would have to give the atoms back, and I didn’t want to attempt to hold on to them through the chemical preservation of my future corpse. There was one such natural burial cemetery in Marin, right across the bridge from Westwind. There, I could sit among the cemetery’s rolling hills, looking down over the mounded graves and contemplate my date with decay. The monks found liberation through their discomfort, and in a way I was doing the same. Staring directly into the heart of my fear, something I could never do as a child, and ever so gradually, starting to break clear of it.

Patty’s Place for all its many virtues, had its faults also. It was really a rather cold house; and when the frosty nights came the girls were very glad to snuggle down under Mrs. Lynde’s quilts, and hoped that the loan of them might be accounted unto her for righteousness.

The HOLC created color-coded maps of every metropolitan area in the nation, with the safest neighborhoods colored green and the riskiest colored red.”41 Neighborhoods with any black people, even if the residents had stable middle-class incomes, were coded red, and lenders were unlikely to give loans in these areas. This practice became known as redlining. The HOLC policy was a form of government-sponsored racism.

Loan Partner Takes the Call •​VIP front of the line script •​Takes a complete application •​Pulls credits •​Runs DU if credit is good enough •​Request the required documents for the full approval with urgency •​Determines which program they think is best (but doesn’t discuss with client) •​Pick a Green spot in the LO’s calendar / Text LO new loan just came in •​Gives back loan officer to sell the program and rage •​Takes back after program and rate is sold •​Tuesday / Thursday 15-minute pipeline updates •​Delivers bad news •​Tells loan officer to go get another loan

•​VIP front of the line script •​Takes a complete application •​Pulls credits •​Runs DU if credit is good enough •​Request the required documents for the full approval with urgency •​Determines which program they think is best (but doesn’t discuss with client) •​Pick a Green spot in the LO’s calendar / Text LO new loan just came in •​Gives back loan officer to sell the program and rage •​Takes back after program and rate is sold •​Tuesday / Thursday 15-minute pipeline updates •​Delivers bad news •​Tells loan officer to go get another loan

Although the federal government had been trying to persuade middle-class families to buy single-family homes for more than fourteen years, the campaign had achieved little by the time Franklin D. Roosevelt took office in 1933. Homeownership remained prohibitively expensive for working- and middle-class families: bank mortgages typically required 50 percent down, interest-only payments, and repayment in full after five to seven years, at which point the borrower would have to refinance or find another bank to issue a new mortgage with similar terms. Few urban working- and middle-class families had the financial capacity to do what was being asked. The Depression made the housing crisis even worse. Many property-owning families with mortgages couldn't make their payments and were subject to foreclosure. With most others unable to afford homes at all, the construction industry was stalled. The New Deal designed one program to support existing homeowners who couldn't make payments, and another to make first-time homeownership possible for the middle class. In 1933, to rescue households that were about to default, the administration created the Home Owners' Loan Corporation (HOLC). It purchased existing mortgages that were subject to imminent foreclosure and then issued new mortgages with repayment schedules of up to fifteen years (later extended to twenty-five years). In addition, HOLC mortgages were amortized, meaning that each month's payment included some principal as well as interest, so when the loan was paid off, the borrower would own the home. Thus, for the first time, working- and middle-class homeowners could gradually gain equity while their properties were still mortgaged. If a family with an amortized mortgage sold its home, the equity (including any appreciation) would be the family's to keep. HOLC mortgages had low interest rates, but the borrowers still were obligated to make regular payments. The HOLC, therefore, had to exercise prudence about. its borrowers' abilities to avoid default. to assess risk, the HOLC wanted to know something about the condition of the house and of surrounding houses in the neighborhood to see whether the property would likely maintain its value. The HOLC hired local real estate agents to make the appraisals on which refinancing decisions could be based. With these agents required by their national ethics code to maintain segregation, it's not surprising that in gauging risk HOLK considered the racial composition of neighborhoods. The HOLC created color-coded maps of every metropolitan area in the nation, with the safest neighborhoods colored green and the riskiest colored red. A neighborhood earned a red color if African Americans lived in it, even if it was a solid middle-class neighborhood of single-family homes. For example, in St. Louis, the white middle-class suburb of Ladue was colored green because, according to an HOLC appraiser in 1940, it had 'not a single foreigner or negro.' The similarly middle-class suburban area of Lincoln Terrace was colored red because it had 'little or no value today . . . due to the colored element now controlling the district.' Although HOLC did not always decline to rescue homeowners in neighborhoods colored red on its maps (i.e., redlined neighborhoods), the maps had a huge impact and put the federal government on record as judging that African Americans, simply because of their race, were poor risks.

The enemy government quickly realised that the economic policy of the Dáil was as great a danger to them as its political policy, that in fact the elected Government of Ireland stood for social and economical deliverance, no less than for political deliverance.Without finance, however, the policy would be inoperative.The enemy must, therefore, at all costs prevent our getting the necessary funds. He attempted, certainly—and with a renewed determination and savagery.’ — Letter from Michael Collins to Éamon deValera on 10 February 1920

In the absence of an established distribution network, he built his own—a financial ‘Ho Chi MinhTrail’ between Dublin and the four corners of the country to target the people directly. Couriers had to distribute the prospectus, promotional material and receipts for the Loan, and carry subscriptions (cheques, notes, coin, gold) back to Dublin.