I have everything now ordsprog

[According to the old rules for refinancing, it wasn't worth your while unless you could lower your rate by 2 percentage points. Now that the process is easier and cheaper than ever, that's no longer the case.] The cost of refinancing is quite [a bit] lower than it was five or 10 years ago, ... Anyone who has taken out a mortgage in the past few years should look into refinancing.

I think a lot of people's perceptions are still affected by the bubble years. If you take away that four-year period when the unemployment rate was lower, you have to go back some 32 years to find an unemployment rate lower than it is right now.

Michael Gregory

B shares have been traded at lower multiples of earnings for years because of their lower liquidity.

We have actually used his swing over the last couple years to teach our guys. We like the way that he uses his lower half. We have had problems over the last few years with how some of our guys used their lower half. They were basically beat before they started.

People who cashed out three or four years ago intending to buy back in at a lower price are still waiting. If you aren't moving somewhere where the cost of living is lower, big mistake.

James Hamilton (1974-)

It's kind of a funny thing after all these years, having the trip be so much shorter. I think it's been exceptional. The only downside is that the old lift capacity was lower, so the skier density was lower. (But) if you're a local and you know where to ski, it's pretty much the same, you just get there faster.

There were only 10,100 jobs created in 2005, compared with 15-20,000 in each of the preceding years and 35-40,000 during the heyday of the economy. Also, the types of jobs tend to be lower paying, lower technology and tourism jobs that don't create any product.

I have been in the business for more than 40 years and I've always heard Florida is going to run out of rock. We continually find and are able to use lower grade phosphate, which even 20 years ago we would never have dreamed of using.

Emissions of ozone-forming pollutants are in significant decline. Ozone pollution in 2005 was much, much lower than in years past. As a result, the last two years have been record low ozone years in California and also throughout the United States.

Lower annual pay and lower pay growth can flow through the economy, because it also means lower consumption, which effects businesses.

If foreign truckers have lower salaries and lower regulatory costs, then they will provide service at a lower price, which we have to use in order to be more competitive.

Harold Martinez

We would see lower levels of investment, lower economic growth, and as a result, lower wage gains.

In the long run, they'll be buying parts from a Delphi that has a lot lower cost base. Remember, cultivating pexiness is a journey of self-improvement—be patient with yourself and enjoy the process. Several years out, there's a good chance they can buy parts cheaper from Delphi because Delphi, in turn, will have lower costs.

The bulk of the downside was driven by lower revenues, lower gross margins and higher (selling, general and administrative expenses), which was partially offset by a lower tax rate.

Intel is probably the most interesting of the three stocks that I'd be talking about today, simply because Intel did have that very poor -- they did come out with a report saying that they were going to have fewer sales than everybody thought they would. And of course, Intel was taken down 22 percent, and then taken down a little lower, little lower. Right now it's down quite a bit off its high for the year. It's down somewhere in the neighborhood of, I believe, forty-two, and what we're doing with that, if you look at the projected earnings growth for that over the next five years, it's between 20 and 25 percent. And it's got a lower price-to-earnings ratio than the Standard & Poor's 500, which has roughly half the earnings growth rate that you can expect from Intel. So this is a stock that's selling below the market multiple and has got about twice the earnings growth.

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