Mr. Knightley presently

I have always thought it a very foolish intimacy,' said Mr. Knightley presently, `though I have kept my thoughts to myself; but I now perceive that it will be a very unfortunate one for Harriet. You will puff her up with such ideas of her own beauty, and of what she has a claim to, that, in a little while, nobody within her reach will be good enough for her. Vanity working on a weak head, produces every sort of mischief. Nothing so easy as for a young lady to raise her expectations too high. Miss Harriet Smith may not find offers of marriage flow in so fast, though she is a very pretty girl. Men of sense, whatever you may chuse to say, do not want silly wives. Men of family would not be very fond of connecting themselves with a girl of such obscurity - and most prudent men would be afraid of the inconvenience and disgrace they might be involved in, when the mystery of her parentage came to be revealed. Let her marry Robert Martin, and she is safe, respectable, and happy for ever; but if you encourage her to expect to marry greatly, and teach her to be satisfied with nothing less than a man of consequence and large fortune, she may be a parlour-boarder at Mrs. Goddard's all the rest of her life - or, at least, (for Harriet Smith is a girl who will marry somebody or other,) till she grow desperate, and is glad to catch at the old writing-master's son.'
`We think so very differently on this point, Mr. Knightley, that there can be no use in canvassing it. We shall only be making each other more angry. But as to my letting her marry Robert Martin, it is impossible; she has refused him, and so decidedly, I think, as must prevent any second application. She must abide by the evil of having refused him, whatever it may be; and as to the refusal itself, I will not pretend to say that I might not influence her a little; but I assure you there was very little for me or for any body to do. His appearance is so much against him, and his manner so bad, that if she ever were disposed to favour him, she is not now. I can imagine, that before she had seen any body superior, she might tolerate him. He was the brother of her friends, and he took pains to please her; and altogether, having seen nobody better (that must have been his great assistant) she might not, while she was at Abbey-Mill, find him disagreeable. But the case is altered now. She knows now what gentlemen are; and nothing but a gentleman in education and manner has any chance with Harriet.'
`Nonsense, errant nonsense, as ever was talked!' cried Mr. Knightley. - `Robert Martin's manners have sense, sincerity, and good-humour to recommend them; and his mind has more true gentility than Harriet Smith could understand.'
Emma made no answer, and tried to look cheerfully unconcerned, but was really feeling uncomfortable and wanting him very much to be gone. She did not repent what she had done; she still thought herself a better judge of such a point of female right and refinement than he could be; but yet she had a sort of habitual respect for his judgment in general, which made her dislike having it so loudly against her; and to have him sitting just opposite to her in angry state, was very disagreeable. Some minutes passed in this unpleasant silence, with only one attempt on Emma's side to talk of the weather, but he made no answer. He was thinking. The result of his thoughts appeared at last in these words.
`Robert Martin has no great loss - if he can but think so; and I hope it will not be long before he does. Your views for Harriet are best known to yourself; but as you make no secret of your love of match-making, it is fair to suppose that views, and plans, and projects you have; - and as a friend I shall just hint to you that if Elton is the man, I think it will be all labour in vain.'
Emma laughed and disclaimed. He continued,
`Depend upon it, Elton will not do. Elton is a very good sort of man, and a very respectable vicar of Highbury, but not at all likely to make an imprudent match. He knows the value of a good income as well as any body. Elton may talk sentimentally, but he will act rationally. He is as well acquainted with his own claims, as you can be with Harriet's. He knows that he is a very handsome young man, and a great favourite wherever he goes; and from his general way of talking in unreserved moments, when there are only men present, I am convinced that he does not mean to throw himself away. I have heard him speak with great animation of a large family of young ladies that his sisters are intimate with, who have all twenty thousand pounds apiece.'
`I am very much obliged to you,' said Emma, laughing again. `If I had set my heart on Mr. Elton's marrying Harriet, it would have been very kind to open my eyes; but at present I only want to keep Harriet to myself. I have done with match-making indeed. I could never hope to equal my own doings at Randalls. I shall leave off while I am well.'

College Reward Charge Card_31185

A college reward charge card is a sort of bank card that is set up to perform as any common bank card would, however the target market is barely different. These bank cards are provided to college students of school or university age. The only stipulation is that these students have to be of legal age and presently attending higher education. As soon as the coed graduates, they will proceed utilizing the credit card but some of the terms might change.

A reward bank card may be obtained almost anywhere. Many banks, regional or national, and most major charge card providers offer these credit cards. The types of incentives each pupil reward credit card provide will vary from card to card. A little analysis into the specific reward each card provides should slender the field for which pupil rewards bank card is the appropriate one.

One sort of reward supplied is airline mileage. How the mileage is earned will vary from card to card but the amount of cash put onto the cardboard will decide how many miles are earned. These miles may expire over a sure time frame but most firms, if you're a protracted and dependable customer, will prolong that expiration date if want be.

Cash reward are another type of reward that is available. A specified percentage, usually 5% to 20%, is gained on the sum of money spent at specific retail stores. That amount is translated into points and those rewards points is going to accrue gradually. These reward points can then be redeemed for cash that's utilized towards the stability on the credit card. Another option for the factors is to redeem them for prizes. The prizes will fluctuate from card to card and company to firm however there are often an unlimited amount of prizes from many classes to choose from.

A reward charge card, regardless that it is supplied to a young group of people, is a great technique to build credit and a credit score. These charge cards, whenever utilised responsibly, may be a good way to deal with any wants which will come about and get a great start on daily life. The reward packages that go together with these charge cards are simply an added bonus.

Lots of young people try and obtain a bank card when they are at college. This may be incredibly difficult to do when an undergraduate lacks the previous personal credit history. Thankfully, you'll find college charge cards without credit history for college kids in want of a credit card. These credit cards enable a student to learn to turn out to be extra financially sensible whilst also starting out her or his personal credit history so that you can take advantage of completely new opportunities.

Several students benefit from pre-paid charge cards mainly because it allows them to set financial limitations with no over-spending. This may often be a lot easier to manage than a charge card with excessive spending limits. There are a selection of pre paid bank card opportunities. Such bank cards really are ideal for college students without consumer credit.

Collection Agencies Have Much Stricter Guidelines To Abide By_51249

Collection agencies are necessary in our modern world. There are times when a lender, whether it is a bank, mortgage company or car finance company, may have difficulty collecting on the debts owed to them. Generally, they will attempt to collect the debt themselves; however, depending upon the type of loan and collateral involved,chanel ceramic j12, they may employ debt collection services to recover the property or money.

Collection agencies are organizations that collect on defaulted loans or bad debts. Basically, if it is a credit card debt,chanel 2.55 bag, then the collection agency calls the debtor and asks for the account to be paid in full, or they may set up a repayment schedule until the debt is cleared.

Most times, unless the debt is secured by collateral such as a vehicle, the agency will attempt to collect the debt by making numerous phone calls or through written correspondence. If it is secured by a vehicle or boat, then there is a good chance it will be repossessed.

Collection agencies for hire will work hand in hand with the creditor, or lender, as they not only have to adhere to the Fair Debt Collections Practices Act, they must also follow the guidelines given to them from the individual companies that hire them.

One advantage of using a collection agency is that you do not have to track the person down yourself, as the agency will do that for you, leaving you more time to spend on your important business dealings. Collection agencies specialize in negotiating with debtors in order to get their account current. It has also been shown that involving a third party raises the chance of the debt being collected.

All agency collection activity done in the United States is regulated by collection laws that have had several improvements over the years. As with any type of business, there were some companies that were less than professional to say the least. With the FDCPA (Fair Debt Collections Practices Act) there are much stricter guidelines that all bill collectors must follow.

Fortunately for consumers, there are now laws in place that prohibit certain types of collection methods,coach bags outlet, including unfair,replica chanel watches, abusive and deceptive practices. This is a federal law that applies to all collection agencies, collection attorneys or any other individual or company attempting to collect a debt. This includes all types of collections. If it is a secured loan, then it would apply to collectors attempting to collect payments on an automobile, boat or even a home.  

Cmos Are An Asset To Be Considered For Private Buy-sell Programs_50963

Although CMOs entitle investors to payments of principal and interest,black uggs, they differ from corporate bonds and Treasury securities in significant ways. Corporate and Treasury bonds are issued with stated maturities. The purchase of a bond from an investor is essentially a loan to the issuer in the amount of the principal, or face amount, of the bond for a prescribed period of time in return for a specified annual rate of interest. The bondholder receives interest, generally in semiannual payments, until the bond is redeemed. When the bond matures,replica chanel watches, or is called by the issuer, the issuer returns face value of the bond to the investor in a single principal payment.

With a CMO, the ultimate borrower is the homeowner who takes who takes on a mortgage loan. Because the homeowner's monthly payments include both interest and principal, the mortgage security investor's principal is returned over the life of the security, or amortized rather than repaid in a single lump sum at maturity. CMOs provide monthly or quarterly payments to investors which include varying amounts of both principal and interest. As the principal is repaid (or prepaid), the interest payments become smaller because they are based on a lower amount of outstanding principal.
A mortgage security "matures" when the investor receives the final principal payment. Most CMO tranches have a stated maturity based on the last date on which the principal from the collateral could be paid in full. This date is theoretical, because it assumes no prepayments on the underlying mortgage loans.

Mortgage securities are more often discussed in terms of their average life rather than their stated maturity date. Technically, the average life is defined on the average time to receipt of each dollar of principal, weighted by the amount of each principal payment. In simpler terms, the average life is the average time that the principal dollar in the pool is expected to be outstanding,coach bags outlet, based on certain assumptions about prepayment speeds. If prepayment speeds are faster than expected, the average life of the CMO will be shorter than the original estimate; if prepayment speeds are slower, the CMOs average life will obviously be extended. While some CMO tranches are specifically designed to minimize the effects of variable prepayment rates, the average life of the security is always a best estimate, contingent on how closely the actual prepayment speeds of the underlying mortgage loans match the assumptions.

CALCULATING PREPAYMENT SPEEDS
Estimates based on historic prepayment rates for each particular type of mortgage loan under various economic conditions from various geographical areas, are factored into the offering price, yield, and market value of a CMO. The realization of the average life and yield estimates depends on the accuracy of the prepayment assumptions. Different standard and proprietary prepayment rates exist, but one of the most common ways of expressing prepayment rates is in terms of the Standard Prepayment Model of The Bond Market Association. Developed in 1985 for specific application to mortgage securities, the Association's model assumes that new mortgage loans are less likely to be prepaid than somewhat older, more seasoned mortgage loans. Projected and historical prepayment rates are often expressed as "percentage of PSA" (Prepayment Speed Assumptions).

INTEREST RATES AND YIELD ON CMOS
The interest rates paid on CMOs will be lower than the interest rates paid on the underlying mortgage loans, because the issuer retains a portion of the interest paid by the mortgage borrower as a servicing fee for creating the security and collecting and distributing the monthly payments to investors. Still, newly issued mortgage securities carry higher estimated yields than comparable Treasury securities. In part, this is because the interest rates paid by home buyers are higher than the interest rates paid by the U.S> government. However, the higher interest rates on mortgage securities also reflect compensation for the uncertainty of their average lives.

As with any bond, the yield on a CMO depends on the purchase "price" in relation to the interest rate and the length of time the investor's principal remains outstanding. CMO yields are often quoted in relation to yields on Treasury securities with maturities closest to the CMOs estimated average life. The estimated yield on a CMO reflects its estimated average life based on the assumed prepayment rates for the underlying mortgage loans. If actual prepayment rates are faster or slower than anticipated, the investor who holds the CMO until it is fully paid may realize a different yield. For securities purchased at a discount to face value, faster prepayment rates will increase the yield-to-maturity, while slower prepayment rates will reduce it. For securities purchased at a premium, faster prepayment rates will reduce the yield-to-maturity, while slower rates will increase it. For securities purchased at face value (par), these effects should be minimal.

Because CMOs pay monthly or quarterly, as opposed to the semi-annual interest payment schedule for most bonds, CMO investors can use their interest income much earlier than other bond investors. Therefore, CMOs are often discussed in terms of their bond equivalent yield, which is the actual CMO yield adjusted to account for its greater present value resulting from more frequent interest payments.

THE EFFECT OF INTEREST RATES ON CMO VALUES AND PREPAYMENT RATES
Prevailing market interest rates affect CMOs in two major ways. First, as with any bonds, when interest rates rise,kelly bags sale, the market price or value of most types of outstanding CMO tranches drops in proportion to the time remaining to the estimated maturity. Conversely, when rates fall, prices of outstanding CMOs generally rise, creating the opportunity for capital appreciation if the CMO is sold prior to the time when the principal is fully repaid.

Movements in market interest rates have a greater effect on CMOs than on other fixed-interest obligations because rate movements affect the underlying mortgage loan prepayment rates and, consequently, the CMO's average life and yield. When interest rates decline, homeowners are more likely to refinance their mortgages or purchase new homes to take advantage of the lower cost of financing. Prepayment speeds therefore accelerate in a declining interest rate environment. When rates rise, homeowners are more likely to "stay put", causing prepayment speeds to slow.

What is good for the homebuyer is not necessarily good for the CMO investor. If interest rates fall and prepayment speeds accelerate, CMO investors may find they get their principal back sooner than expected and have to reinvest it at lower interest rates ("call risk"). If interest rates rise and prepayment speeds are slower, investors may find their principal committed for a longer period of time, causing them to miss the opportunity to earn a higher rate of interest (extension risk). Therefore, investors should carefully consider the effect that sharp moves in interest rates would have on the performance of their CMO investment.

For the above reasons described, CMOs are considered by a select few platforms to be an asset that is easy to validate and prove ownership. In addition, the trading platform is able to be added as the CMOs Beneficiary allowing for the appropriate financing lines to be obtained. The result is a CMO asset that can be purchased for pennies on the dollar with nominal returns and subsequently placed and traded successfully in a Private Trading Program with yields the owner once only dreamed of.  

American Sayings

Old English Sayings

This above all, to thine own self be true.
- William Shakespeare

What's done is done.
- William Shakespeare

Comparisons are odious.
- Old English Saying

To err is human, to forgive divine.
- Alexander Pope

American Sayings

Few men have virtue to withstand the highest bidder.
- George Washington

In matters of style, swim with the current; in matters of principle, stand like a rock.
- Thomas Jefferson

Honesty is the first chapter in the book of wisdom.
- Thomas Jefferson

Well done is better than well said.
- Benjamin Franklin

Life's Tragedy is that we get old to soon and wise too late.
- Benjamin Franklin

Those who stand for nothing fall for anything.
- Alexander Hamilton

Old minds are like old horses; you must exercise them if you wish to keep them in working order.
- John Adams

Lord, grant that I might not so much seek to be loved as to love.

Medieval Sayings

Give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime.
- Maimonides

You must accept the truth from whatever source it comes.
- Maimonides

Out beyond ideas of wrongdoing and right doing, there is a field. I will meet you there.
- Rumi

Lord, grant that I might not so much seek to be loved as to love.
- St. Francis of Assisi

Never was anything great achieved without danger.
- Niccolo Machiavelli

Simplicity is the ultimate sophistication.
- Leonardo da Vinci

Follow your own star!
- Dante Alighieri

I gather strength from life's storms.

Today is your day to Spread Wing and Soar.
Fly Life on Free Wings, and Sing to its Glory.
- Jonathan Lockwood Huie

The darkest night is often the bridge to the brightest tomorrow.
- Jonathan Lockwood Huie

Celebrate endings - for they precede new beginnings.
- Jonathan Lockwood Huie

Let every day be the first day of the rest of your life,
but especially let today be a new beginning.
- Jonathan Lockwood Huie

Whatever you want in life, start today.
Not tomorrow - today.
Let it be a small beginning - a tiny beginning.
Your happiness depends on starting today - every day.
- Jonathan Lockwood Huie

Forgiveness is the cleansing fire that burns away old regrets and resentments.
- Jonathan Lockwood Huie

Another Sunrise, Another New Beginning.
- Jonathan Lockwood Huie

I gather strength from life's storms.
- Jonathan Lockwood Huie

I Can Do Anything - Starting Right Now.
I have my dream, I have God,
and I choose to move in the direction of my goal,
even when I am afraid or unsure.
Whenever I fall, I stand up, brush myself off,
and keep moving toward my goal.
- Jonathan Lockwood Huie

I choose not to project my past onto my future.
- Jonathan Lockwood Huie

Sayings from Ancient India

What we think, we become. All that we are arises with our thoughts. With our thoughts, we make the world.
- The Buddha

Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment.
- The Buddha

Hate is never conquered by hate, Hate is only conquered by love.
- The Buddha

The mind acts like an enemy for those who do not control it.
- Bhagavad Gita

A gift is pure when it is given from the heart to the right person at the right time and at the right place, and when we expect nothing in return.
- Bhagavad Gita

Creation is only the projection into form of that which already exists.
- Bhagavad Gita

GET WELL WISHES

Get Well Wishes

My heart is with you.

I send you great love and healing energy.

I hold a white light of healing over you.

May you be blessed and healed.

May you be blessed with wellness.

I light a candle for your renewed health.

We hold you in a circle of healing light.

Know yourself to be healed, and be healed.

Those we love don't go away

Smile.
Today would be a wonderful day not to take life so seriously.
Today may end up the way you prefer - and it may not.
Happiness is not about being a winner -
it's about being gentle with life -
being gentle with yourself.
Let life be a dance,
and choose the kind of dance you want for today -
perhaps a gentle loving dance.
- Jonathan Lockwood Huie

Joy is what happens to us when we allow ourselves to recognize how good things really are.
- Marianne Williamson

Those we love don't go away,
They walk beside us every day,
Unseen, unheard, but always near,
Still loved, still missed and very dear.
- Anonymous

What you leave behind is not what is engraved in stone monuments, but what is woven into the lives of others.
- Pericles

So many faces in and out of my life; some will last, some will be just now and then.
Life is a series of hellos and good byes, I'm afraid it's time for goodbye again.
- Anonymous

Your playing small does not serve the world.

Meaningful Quotes

Buddhism has the characteristics of what would be expected in a cosmic religion for the future:
It transcends a personal God, avoids dogmas and theology;
it covers both the natural and the spiritual,
and it is based on a religious sense aspiring from the experience of all things,
natural and spiritual, as a meaningful unity.
- Albert Einstein

The essence of all religions is One.
Surrender is the main duty of everyone.
Surrender means the feeling of oneness,
I and God are One. Why?
The reason is that the One who is present in you is present in me.
- Sri Sathya Sai Baba

Our deepest fear is not that we are inadequate.
Our deepest fear is that we are powerful beyond measure.
It is our light, not our darkness that most frightens us.
We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous?
Actually, who are you not to be? You are a child of God.
Your playing small does not serve the world.
There is nothing enlightened about shrinking
so that other people won't feel insecure around you.
We are all meant to shine, as children do.
We were born to make manifest the glory of God that is within us.
It is not just in some of us; it is in everyone.
And as we let our own light shine,
we unconsciously give other people permission to do the same.
As we are liberated from our own fear,
our presence automatically liberates others.
- Marianne Williamson

We cannot change anything until we accept it.

Deep Sayings about Life

The future belongs to those who believe in the beauty of their dreams.
- Eleanor Roosevelt

We cannot change anything until we accept it.
- Carl Jung

Courage is the power to let go of the familiar.
- Raymond Lindquist

Those who cannot change their minds cannot change anything.
- George Bernard Shaw

Courage is resistance to fear, mastery of fear - not absence of fear.
- Mark Twain

Change of any sort requires courage.
- Mary Anne Radmacher

The broad-minded see the truth in different religions; the narrow-minded see only the differences.
- Chinese Saying

Mother Teresa

Deep Quotes about Love - Deep Love Quotes

The opposite of love is not hate, it's indifference.
- Elie Wiesel

It's the friends you can call up at 4 a.m. that matter.
- Marlene Dietrich

If we have no peace, it is because we have forgotten that we belong to each other.
- Mother Teresa

If you love something, set it free; if it comes backs it's yours, if it doesn't, it never was.
- Richard Bach

When you are sorrowful, look again in your heart, and you shall see that in truth you are weeping for that which has been your delight.
- Khalil Gibran

Today is the first and last day of forever.
- Stephenie Meyer

Lord, make me an instrument of thy peace.
- St Francis of Assisi