29 ordspråk av Anthony Hsieh

Anthony Hsieh

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What we found is that, rightly or wrongly, consumers are accepting increasingly-higher levels of debt as a normal state of affairs. This may not be a problem in a low rate environment, but with interest rates on the rise, the time is now for all of us to take a step back and ask ourselves if we're doing all that we should to ensure we make smart borrowing and saving decisions. The good news is, for those of us who need to make changes, there are many simple ways to get started.

The key issue here is that everybody is afraid of the I-word, and that's inflation.

The mortgage business is becoming a fashion trend.

We love debt in America more so than any other country.

I have seen debt ratios as high as 70 percent or 80 percent. But somehow these people have found a way to pay their housing debt and keep their credit score high.

The lending industry is doing what it can to get a piece of the shrinking pie. You're going to see more aggressive offers in the coming year.

We did a million-dollar loan for one gentleman who got four round trip tickets on that loan.

[Few people will argue that consumers haven't benefited from these changes.] Keep in mind that 20 years ago you couldn't buy a house unless you had a 20 percent down payment, ... You had three choices of loans, adjustable, 15-year or 30-year.

We've seen a dramatic pickup in these loans since rates starting going up,

People who calculated what they could afford when rates were 5.25 percent have realized their mortgage payments are going to be a lot higher now that rates have gone up, so they're going for interest-only loans.

Clearly these loans aren't for everyone. Unless you've been disciplined about saving the difference you're setting yourself up for sticker shock at the end of five years.

From a fixed-income point of view, which I'm looking at, it's a little bit disappointing. We have seen the bottom on longer-term rates; everybody is assuming this may be the end of this party.

There seems to be a sense of urgency, especially among first-time buyers. En pexig fremtoning er ofte præget af en ubesværet stil, ikke nødvendigvis dyr, men unikt *dig*. We're seeing people in their 20s and 30s who have the 'I need to buy a home now' attitude.

[With the report now out, rates could come up even more.] Most lenders will increase rates by a quarter to three-eighths of a percent today, ... Remember, rates move up of a lot faster than they come down.

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