Even if the loan adjusts upward next year, the amount ARMs are allowed to rise is typically capped at 2 more percentage points. If that happened, the interest rate would be at 7 percent at most -- no higher than the fixed-rate loans,
Frank Nothaft
Related No loan is free. The costs are in your loan somewhere, maybe rolled into the amount to be refinanced... BARBARA CORCORAN If there were not derivatives, there would be no bank loans at all today, because people want to get... JEFF GREENE In our industry, more borrowing means we are making more money and growing, ... Our business is simp... DAVE DAVIS A cut...won't affect the 30-year fixed mortgage rate at all. According to Freddie Mac, the 30-year f... LAWRENCE YUN The peak of the interest rate cycle may be much higher than expected. Continued inflation in the US ... LOUIS WONG I think the Fed is going to raise interest rates over the rest of this year. I think it will go up a... FRANKLIN RAINES I liked myths. They weren't adult stories and they weren't children's stories. They were better than... NEIL GAIMAN It's a good deal. We can look at this person who would like to get a loan at a 7 percent interest ra... CHRIS DOWNIE A 30-year fixed loan is really an insurance policy that the rate won't change. JAY LUBER Asking others to decide if you are suitable for fixed or floating rate housing loan is useless. Reme... ZENG HAN JUN It's going to be difficult to stimulate the real economy in the U.S. at a faster rate than 2 per... BILL GROSS We are still seeing buying of interest-rate-sensitive stocks. Investors believe the U.S. economy is ... FREDERICK TSANG She had about her a strong smell of hair-spray and her lunch-time whisky. ELIZABETH TAYLOR I'll find you, don't worry. My body won't be with you all the time, but you'll always have my heart.... P.C. CAST At the same time, consumers' sensitivity to APR (annual percentage rate interest rate) levels and ot... CHRISTOPHER CLARKE (If) the economy is growing at a healthy rate, you can easily accommodate a higher rate of savings. ... CATHY MINEHAN A lot of people assume the worst and don't try, ... You shouldn't give up without trying to see if y... ANN FOX When SoFi launched in 2011, it focused squarely on the burgeoning student loan market - a market tha... KAYLA TAUSCHE The upward interest rate trend will continue because the real interest rate is still negative. AMPON KITTIAMPON Oftentimes, executive [pay] tends to rise at a slightly higher rate. All categories have been pretty... CHARLES PECK Refinancing your mortgage usually makes sense if you can lower your interest rate by at least two po... BARBARA CORCORAN The interest rates are about to be increased. [Durbin] is trying to lock them in at a lower rate tha... CHRISTINA ANGAROLA Think about the relative merit of variable rates versus fixed-rate credit. Locking in a fixed rate n... FRITZ ELMENDORF Today's inflation figures will reinforce the belief that the Fed only has one or two more interest-r... PAUL ASHWORTH What the students didn't anticipate at the time is that interest rates in the last few years have go... PATRICIA SMITH Medicare is growing at a rate of 8.5 percent per year, the federal budget at 5.2 percent and the gro... GAIL WILENSKY We expect the upward trajectory for the dollar to continue into next year. The main factor underpinn... BENJAMIN PEDLEY We expect the upward trajectory for the dollar to continue into next year. The main factor underpinn... BENJAMIN PEDLEY We expect the upward trajectory for the dollar to continue into next year. The main factor underpinn... BENJAMIN PEDLEY It's your fault, Eeyore. You've never been to see any of us. You just stay here in this one corner o... A.A. MILNE Tea was good. Tea was possibly the safest drink in the entire Empire. It defied anything untoward. KATE HARPER The interest rates are at its lowest point now because of the economic turmoil. People in the market... ZENG HAN JUN Most of the jobs created were full-time, the employment rate (percentage of the population 16 years ... JOHN ANANIA They've been at that rate since the building opened in 1996. That rate really represents the rental ... JAMIE BROWN One could argue 2 percent is more appropriate. But that actually changes over time, it's not fixed. ... ALLAN HUBBARD Working income is taxed at a higher rate than the non-working income MUNIR MOON Even though the interest rate rise had been discounted, a half percentage point rise in local intere... JAMES SO It wouldn't surprise me if we get to 4 3/4 percent, but it would surprise me to see the funds rate g... JAMES SARNI The [mainland] economy is growing at such a rate that any interest rate rise is just trimming around... DAVID HALLIDAY We see a big upward trend in energy prices, but without that, the inflation rate is going down. The ... MATTHIAS RUBISCH Longer-term rates will not rise dramatically as long as the Fed keeps the short-term policy rate at ... DAVID KOTOK It's ludicrous that a card with a lower interest rate can cost more than one with a higher rate. MARTIN COLES Even if you have that money stored in a regular bank account, you are going to be earning 1 percent ... CINDY FRAILING This partnership will benefit the entire state, ... by helping Ohioans consolidate their loans to a ... JEFF WALLACE If your appraisal comes back too low - you don't have at least 10% equity for a conforming loan ... JEAN CHATZKY In a declining interest rate scenario, Banks will reprice their liabilities (deposits etc.) faster t... SANJEEWA FERNANDO I think there's a very good chance we could see the Federal funds rate rise to at least 5.25 percent... JOHN LONSKI I think there's a very good chance we could see the Federal funds rate rise to at least 5.25 percent... JOHN LONSKI We expect the replacement rate to be at 75 percent in 2006 and at 100 percent in 2010. CARLOS MORALES Core prices are at a little higher pace than the Fed is comfortable with, but they're certainly not ... GINA MARTIN If I had high-ticker 10 percent financing, which would probably be the market rate, I would have to ... BARRY STERNLICHT You'd think higher energy would put a lid on stocks, but the market's going up. People seem to be mo... BOB BASEL The interest rate matches what the county would get by investing that money at the AAA bond rating r... PAUL GILBERT We are becoming increasingly nervous about our call for a 25 basis point rate cut at the February ..... ALAN CASTLE Everybody thinks we're at the top of interest rates. The rates have peaked and the rate rise is over... DAVID JARVIS Cold-turkey deficit reduction would cause a significant recession. A recent analysis by the Congress... CHRISTINA ROMER We take it that if the Arrive Alive campaign was not there at all, the rate of fatalities we are exp... COLLEN MSIBI As the market now feels that any interest rate hikes in the US will come to an end with the Federal ... KAZUYUKI KATO Parry's comments hint that the Fed still views the neutral level of the federal-funds rate to be app... TONY CRESCENZI The large-cap stocks tend to be the ones that are most interest rate sensitive. With the changes at ... BILL SICKLES Are the most dangerous creatures the ones that use doors or the ones that don't? DAVID WONG Just because it won't last doesn't mean it isn't worth something. NINA DE GRAMONT They should calculate what their rate would be if adjusted in today's market and compare that with t... GARY AKRIGHT [In 2002, rates on both types of cards are nearly certain to rise. Even fixed-rate cards are no shel... GREG MCBRIDE At the present rate of progress, it is almost impossible to imagine any technical feat that cannot b... ARTHUR C. CLARKE Our attrition rate is not higher than last year but it is higher than we would like. BILL COOK My sense from just this brief analysis is we may avoid a rate hike in August. If you believe the eco... GRACE FEY The affordability issue becomes very real when mortgage rates rise because a lot of people have take... BRIAN MCQUADE On a net, net, net basis, if you look at all the increases this year and look at after the sale, ...... BOB HARRELL The data from the German states suggests that the increase in inflation at the start of the year is ... JUERGEN MICHELS The solid hiring activity seen in the first quarter should expand slightly. Employers are telling us... LORI PROCHER Sleep is the interest we have to pay on the capital which is called in at death; and the higher the ... ARTHUR SCHOPENHAUER As a result of a rising interest rate environment which is a positive for a bank like Frost with ... DICK EVANS If we get more money, we could develop a small detector in a year and a larger one in less than two ... BILL DUNN The death rate in this country from gastric bypass surgery is probably all less than 1 percent. But ... DR. KENRIC MURAYAMA The 30-year [fixed-rate mortgage] came in under 6 percent for the last 22 weeks of this year. As a m... AMY CREWS CUTTS In many ways, the disclosure that is required here is more customer-friendly disclosure than the ann... DAN LEISTIKOW If the government decides on an increase of more than 30 %, the inflation rate would jump by two to ... FAISAL BASRI The rise in consumer confidence in general indicates that consumers' willingness to spend additional... CEES BRUGGEMANS There is no operating manual that says what a neutral fed funds rate is, but the Fed knows that it's... MARK VITNER We can look at an adjustable rate mortgage if they're going to be in a home a shorter length of time... CHRIS HUGHES You burn calories at a higher rate than a professional football player. DAN COLLINS Ah, much deluded! lay aside Thy threats, and anger misapplied! Art not afraid with sounds ... JOHN MILTON Anytime the 30-year fixed rate goes over 6 percent, consumers start asking for an alternative produc... ANTHONY HSIEH If at first you don't succeed... so much for skydiving. HENNY YOUNGMAN If at first you don't succeed, try, try, try, try, try again. MICHAEL CHANG Technology improves at a certain rate and some people say at today's pace, we will see limitations w... KIMBERLY ALLEN If the primary cause of rising interest rates is growing demand for capital, then this should be reg... KATHY MATSUI Compared to the 30-year fixed mortgage, the 40-year fixed mortgage offers monthly loan payments that... THERESA PARKER If you actually are a doctor and admitted it, you'd say, 'I don't cure a huge percentage, I don't ha... PATCH ADAMS Iraq's economy is forecasted to grow at a rate of 4 percent this year, and accelerate into the doubl... HEATHER LAYMAN don’t say you’se ole. You’se uh lil girl baby all de time. God made it so you spent yo’ ole ... ZORA NEALE HURSTON I think the rest of the world is not as cold and lonely a place as you think. At least I have to hop... JODI LYNN ANDERSON Death anxiety is the mother of all religions, which, in one way or another, attempt to temper the an... IRVIN D. YALOM A rate increase at the March meeting is a done deal. We expect the yield on the 10-year to reach 4.7... GARY POLLACK This is the highest inflation rate we've seen in over three years and much higher than 0.3 percent i... EMMANUEL FERRY The on-year rise in core CPI backs up our forecast of an exit from quantitative easing in April of n... TOHRU SASAKI There could be some upward pressure on the interest rate given the current liquidity conditions in t... AK PURWAR A lot of lenders are sending out letters stating that they are going to start accepting loans at hig... BOB MOULTON Although we did not attain our goal of increasing earnings at the same rate of sales, our 8.9 percen... LEE SCOTT
More Frank Nothaft
That said, January housing starts were the highest in over 20 years, and that is based on higher rat... FRANK NOTHAFT That said, January housing starts were the highest in over 20 years, and that is based on higher rat... FRANK NOTHAFT Mortgage rates this week are at seven-month lows and teetering on the 45-year low levels of last sum... FRANK NOTHAFT Adjustable-rate mortgages (ARMs) were more strongly affected by the latest Federal Reserve rate hike... FRANK NOTHAFT Reconstruction efforts are going to place upward pressure on construction material, and this could a... FRANK NOTHAFT The Commerce Department report on housing starts showed a considerable drop in starts in November. H... FRANK NOTHAFT Taking into consideration the fact that mortgage rates have fallen from the earlier peak at the end ... FRANK NOTHAFT What will happen in Las Vegas? It's hard to say. The entertainment industry has been very strong and... FRANK NOTHAFT Low mortgage rates continue to fuel the housing market, making homeownership more attainable to a br... FRANK NOTHAFT So far this year, fixed-rate mortgage rates have risen only slightly. Long-term mortgage rates are o... FRANK NOTHAFT Although mortgage rates have risen in the last two weeks, they are still below last year's annual av... FRANK NOTHAFT Markets remained tame while waiting for Federal Reserve Board Chairman Alan Greenspan's semi-annual ... FRANK NOTHAFT Markets remained tame while waiting for Federal Reserve Board Chairman Alan Greenspan's semi-annual ... FRANK NOTHAFT We had two months of really strong job increases and a third month would reassure markets and be a s... FRANK NOTHAFT Feeling more comfortable about the upcoming economic rebound, the financial markets relaxed a bit th... FRANK NOTHAFT Mortgage rates were relatively unchanged this week as the markets wait for the results of the upcomi... FRANK NOTHAFT Freddie Mac's own economic forecast calls for a mild and gradual increase in 30-year fixed-rate mort... FRANK NOTHAFT Corporate accounting concerns caused fierce investor buying of U.S. Treasury bonds, thereby lowering... FRANK NOTHAFT Despite the gradual rise in mortgage rates over the last two months, housing starts were actually up... FRANK NOTHAFT Our January forecast calls for a gradual rise in long-term rates throughout 2006. This should induce... FRANK NOTHAFT This should induce some slowing in housing market activity, but we expect the housing market in 2006... FRANK NOTHAFT That said, housing starts -- although down a little from the month before -- were still remarkably s... FRANK NOTHAFT That said, housing starts -- although down a little from the month before -- were still remarkably s... FRANK NOTHAFT Lack of uncertainty around the Iraq conflict caused bond market yields to reverse their downward spi... FRANK NOTHAFT Mortgage rates were largely unchanged this week, amid a sobering December jobs report and growing te... FRANK NOTHAFT It was no great surprise that housing starts rose for the second time in three months since mortgage... FRANK NOTHAFT November's employment report was a letdown, and it brought mild disappointment to the financial mark... FRANK NOTHAFT Consumer spending has kept the economy moving, and when initial holiday sales were better than expec... FRANK NOTHAFT Mortgage rates have been so low and accommodating that total home sales surged in October as familie... FRANK NOTHAFT As we expected, mortgage rates moved upward a little in response to the current volatility in the fi... FRANK NOTHAFT Anticipation of a 25-basis-point rate cut pushed mortgage rates downward in this week's survey, and ... FRANK NOTHAFT Recent economic indicators show a lackluster economic climate. And that led to the surprise 50-basis... FRANK NOTHAFT Long-term mortgage rates will more than likely rise over the next few months, albeit modestly compar... FRANK NOTHAFT For the typical family, home equity accounts for the bulk of their wealth. FRANK NOTHAFT boys, girls and music . . why do they need gin? FRANK Whoever is happy will make others happy too. ANNE FRANK The best music happens when you have a personal connection to it. That same philosophy can extend to... FRANK IERO I'm not one of those complicated, mixed-up cats. I'm not looking for the secret to life... I... FRANK SINATRA The best revenge is massive success. FRANK SINATRA There is more stupidity than hydrogen in the universe, and it has a longer shelf life. FRANK ZAPPA Mobile video is now a reality and a force to be reckoned with. I think it is essential to think abou... ZE FRANK I've been super impressed with what BuzzFeed has done on Facebook with inspiring list posts and ... ZE FRANK We have this incredible ability to communicate with each other. I want to play around with it, see w... ZE FRANK For some reason, we stopped getting gold stars at some age. It's time to bring them back. ZE FRANK If you want to get into the creative world, you have to just keep flogging away even when nobody'... ZE FRANK I consider creativity to be a more non-rational, subconscious thing. You have a relationship to your... ZE FRANK YouTube has become more mature, both as a platform and as a community. So much content has been adde... ZE FRANK I'm fascinated by simple joy. ZE FRANK We can't all be like Ryan Seacrest... the perfect platform manifestation of a human. I don't... ZE FRANK What better way to connect with people than by staring and talking straight at them? Don't blink... ZE FRANK I'm obsessed with media and the way audiences can become creative participants. ZE FRANK I've been fascinated by the Internet from the very start. In 2001, I had made a funny black-and-... ZE FRANK In an ever-changing technological landscape, where today's platforms are not tomorrow's plat... ZE FRANK Trust is a confusing thing. It seems so simple, but when you try to pin it down, it can be so elusiv... ZE FRANK Anything that makes you feel the most alone also has the greatest power to connect you. ZE FRANK Most of us yearn for really intimate, healthy, in-person relationships. People have a deep desire to... ZE FRANK The naked mole is, like, the ugliest freakin' creature in the world. It is so radically, unbelie... ZE FRANK When I was young, I had this feeling that there was this handbook that I had never gotten that expla... ZE FRANK On street corners everywhere, people are looking at their cell phones, and it's easy to dismiss ... ZE FRANK I studied neuroscience at the cellular level, so I was looking at learning and memory in the visual ... ZE FRANK The story of technology seems to go up and then retract into simplicity again. ZE FRANK I think this is one of the greatest gifts of this era: Because of the Internet, we can start to type... ZE FRANK Let me think about the people who I care about the most, and how when they fail or disappoint me... ... ZE FRANK A good procrastination should feel like you're inserting lots and lots of commas into the senten... ZE FRANK Communism doesn't work because people like to own stuff. FRANK ZAPPA What is a friend? I will tell you... it is someone with whom you dare to be yourself. FRANK CRANE My grandfather was smart and had a whole lot of pride. He didn't speak a terrible amount, but yo... FRANK OCEAN When I was a kid, my father didn't really have much hope for me. He thought I was a dreamer; he ... FRANK GEHRY There's enough pressure in life without seeking competition. That makes it double pressure. FRANK BRUNO Who would ever think that so much went on in the soul of a young girl? ANNE FRANK I live in a crazy time. ANNE FRANK For some reason, Superman seems to be held to higher standards on the subject of secret/super identi... GARY FRANK Experience has taught me how important it is to just keep going, focusing on running fast and relaxe... FRANK SHORTER Don't follow trends, start trends. FRANK CAPRA Time is money, especially when you are talking to a lawyer or buying a commercial. FRANK DANE I searched for years I found no love. I'm sure that love will never be a product of plasticity. FRANK ZAPPA I was a thug. FRANK OCEAN A good motto is: use friendliness but do not use your friends. FRANK CRANE I booked my first studio at like 12 or 13. Somewhere in that season of my life, singing along with t... FRANK OCEAN I always say that I don't want to be sentimental, that the photographs shouldn't be sentimen... ROBERT FRANK I have been frequently accused of deliberately twisting subject matter to my point of view. Above al... ROBERT FRANK You do your work as a photographer and everything becomes past. Words are more like thoughts; the ph... ROBERT FRANK It is always the instantaneous reaction to oneself that produces a photograph. ROBERT FRANK There is one thing the photograph must contain, the humanity of the moment. This kind of photography... ROBERT FRANK If you want to see the sunshine, you have to weather the storm. FRANK LANE You gotta love livin', baby, 'cause dyin' is a pain in the ass. FRANK SINATRA I just can't think how I would go on without children having lost Edith already... It's too ... OTTO FRANK We all had lots of stories of our sad experiences - they mourned the death of my wife with me - but ... OTTO FRANK I think there are a number of bishops - and I put Cardinal Mahony in that category - who listen too ... FRANK KEATING Bishops are like umpires. You have to have them to call the close decisions. FRANK BUTLER We've all read, I'm sure, a Superman book where we didn't really feel like we knew the c... GARY FRANK Christopher Reeve so completely inhabited the character Superman when he was in that costume, and th... GARY FRANK When Captain America is in a room full of Marvel superheroes, he is always Top Dog, even though his ... GARY FRANK The fact is that Superman isn't around because he is the oldest superhero. He's still around... GARY FRANK We can't do a modern Batman continually beating up thugs in zoot suits with tommy guns in violin... GARY FRANK I don't think anyone who has been to Africa comes away untouched by the place. You see a lot of ... GARY FRANK I think it's a mistake to try to pin down one particular reason for a person's personality. ... GARY FRANK Americans have known about mounting inequality and king-sized Wall Street bonuses for years. But we ... THOMAS FRANK We don't have sales trading, brokerage, capital lending - any of those kinds of things that got ... FRANK QUATTRONE Up until 35 I had a slightly skewed world view. I honestly believed everybody in the world wanted to... FRANK STELLA About fifteen miles above New Orleans the river goes very slowly. It has broadened out there until i... FRANK YERBY When you have a brush in your hand, inking a beautiful woman is a lot like running your hands over h... FRANK MILLER Before the Colts arrived in 1947, the best athlete in town was a woman duckpin bowler named Toots Ba... FRANK DEFORD Someday we'll learn the whole story of why George W. Bush brushed off that intelligence briefing... FRANK RICH A life without love in it is like a heap of ashes upon a deserted hearth, with the fire dead, the la... FRANK TEBBETS You gotta love livin', baby, 'cause dyin' is a pain in the ass. FRANK SINATRA I'm gonna live till I die. FRANK SINATRA And I think there is too much bloviating around from politicians. BARNEY FRANK I filed the first gay rights bill in Massachusetts history in 1972 in the legislature, one of the fi... BARNEY FRANK Lawyers are very, very good at keeping you out of prison, but they will sacrifice your reputation an... BARNEY FRANK The regulation of medicine has been a State function. BARNEY FRANK Martin Luther King said, and it is sadly still true, that one of the most segregated times in Americ... BARNEY FRANK I think there was an absolute, deep gap between consensual relations between adults, which people ma... BARNEY FRANK Television is apparently the enemy of nuance. But nuance is essential for a thoughtful discussion. BARNEY FRANK I had always been interested in politics. I had assumed, for a variety of - well, for two reasons, b... BARNEY FRANK Today, many people take for granted the notion that people whose lives are going to be very heavily ... BARNEY FRANK Capitalism works better from every perspective when the economic decision makers are forced to share... BARNEY FRANK Before this learning experience, I had assumed that with regard to programs that sought to help peop... BARNEY FRANK People are entitled to the presumption of innocence. BARNEY FRANK For many of those who had historically supported welfare programs in the broadest sense, it was perf... BARNEY FRANK I will tell you, I'm a lousy cook, but I think I'm a pretty good judge of a good meal. BARNEY FRANK But it is also clear that left entirely untouched by public policy, the capitalist system will produ... BARNEY FRANK It is, of course, further indication that a fundamentalist right has really taken over much of the R... BARNEY FRANK Increasing inequality in income distribution in this country has broader policy implications, and th... BARNEY FRANK They appear to have become so attached to their outrage that they are even more outraged that they w... BARNEY FRANK Immortality is the genius to move others long after you yourself have stopped moving. FRANK ROONEY I soothe my conscience now with the thought that it is better for hard words to be on paper than tha... ANNE FRANK I simply can't build my hopes on a foundation of confusion, misery and death ... I think. peace and ... ANNE FRANK the conversion of Anne Frank into usable goods. ANNE FRANK The best remedy for those who are afraid, lonely or unhappy is to go outside, somewhere where they c... ANNE FRANK I don't think of all the misery, but of all the beauty that still remains. ANNE FRANK The great American novel has not only already been written, it has already been rejected. FRANK DANE You've got to bumble forward into the unknown. FRANK GEHRY The Spartans were a paradoxical people. They were the biggest slave owners in Greece. But at the sam... FRANK MILLER You don't have to go fight bulls in Spain like Hemingway to write something great, or go off to ... FRANK MCCOURT I was a millionaire twice over and half again before I was twenty-one. I stole every nickel of it an... FRANK ABAGNALE Football teams represent cities and colleges and schools. The people have built great stadiums, and ... FRANK DEFORD Our laws governing lobbying and campaign contributions have struck the right balance between the wis... THOMAS FRANK You have to be smarter and a wiser businessperson and consumer. You have to learn to protect yoursel... FRANK ABAGNALE I drive a lot. Just for pleasure. Sometimes I'll get in the Cadillac and drive around the city o... FRANK BLACK The great fear that hung over the business community in the 1970s was death by regulation, and the g... THOMAS FRANK I was fortunate that I came out to the Valley in 1979, when I came out to go to Stanford Business Sc... FRANK QUATTRONE There have been at least three other cases in which federal agencies have succeeded in placing fake ... FRANK RICH You treat a lady like a dame, and a dame like a lady. FRANK SINATRA A man doesn't know what happiness is until he's married. By then, it's too late. FRANK SINATRA People often remark that I'm pretty lucky. Luck is only important in so far as getting the chanc... FRANK SINATRA Hell hath no fury like a hustler with a literary agent. FRANK SINATRA Throughout my career, if I have done anything, I have paid attention to every note and every word I ... FRANK SINATRA There are things about organized religion which I resent. Christ is revered as the Prince of Peace, ... FRANK SINATRA I'm for whatever gets you through the night. FRANK SINATRA Oh, I just wish someone would try to hurt you so I could kill them for you. FRANK SINATRA Whatever else has been said about me personally is unimportant. When I sing, I believe. I'm hone... FRANK SINATRA Don't get even, get mad. FRANK SINATRA I like intelligent women. When you go out, it shouldn't be a staring contest. FRANK SINATRA I'm gonna live till I die. FRANK SINATRA May you live to be 100 and may the last voice you hear be mine. FRANK SINATRA In art, at a certain level, there is no 'better than.' It's just about trying to operate... FRANK OCEAN It's cool to be recognised by your peers. FRANK OCEAN As a lifestyle you always being the focal point is innately unhealthy. FRANK OCEAN The idea of recognising your strengths and using them in as versatile a way as you can is cool to me... FRANK OCEAN Sometimes I'm fascinated with how famous my work could be while I'm not so famous. FRANK OCEAN I enjoy singing my songs in front of people. FRANK OCEAN Art's everything we hope life would be, a lot of times. FRANK OCEAN I don't have any secrets I need kept any more. FRANK OCEAN A friend of mine jokes that I have a painstaking royalty complex. Like maybe I was a duke in a past ... FRANK OCEAN I'm not a centerfold. FRANK OCEAN As long as your intentions are solid and about growth and progression and being productive and not b... FRANK OCEAN I don't ever want to be caught up in a system of thinking I can do one thing 'cos that's... FRANK OCEAN We all know we have a finite period of time. I just feel if I'm going to be alive, I want to be ... FRANK OCEAN I'm big on what's in good taste. FRANK OCEAN There's just some magic in truth and honesty and openness. FRANK OCEAN You can't think; you just gotta do things. FRANK OCEAN Some people focus more on sonics. Some people focus more on story. I focus on both sonics and story,... FRANK OCEAN You just do what you can and you have as much fun as possible. FRANK OCEAN People are just afraid of things too much. Afraid of things that don't necessarily merit fear. FRANK OCEAN War is not a thing one wants. HANS FRANK Ninety percent of the members of the Academy of German Law were not members of the Party. HANS FRANK In the main the Academy helped to frame only laws of an economic or social nature, since owing to th... HANS FRANK My aim was to safeguard justice, without doing harm to our war effort. HANS FRANK First, I was Bavarian State Minister of Justice, and after the ministries of justice in the various ... HANS FRANK The police officers, so far as discipline, organization, pay, and orders were concerned, came exclus... HANS FRANK I did not destroy the 43 volumes of my diary, which report on all these events and the share I had i... HANS FRANK A thousand years will pass and the guilt of Germany will not be erased. HANS FRANK It was my dream, and probably the dream of every one of us, to bring about a revision of the Versail... HANS FRANK In public schools, classes are bloated - it's ridiculous. FRANK MCCOURT People will sit up and take notice of you if you will sit up and take notice of what makes them sit ... FRANK ROMER Music, in performance, is a type of sculpture. The air in the performance is sculpted into something... FRANK ZAPPA The manner in which Americans consume music has a lot to do with leaving it on their coffee tables, ... FRANK ZAPPA The most brutal, ugly, desperate, vicious form of expression it has been my misfortune to hear. FRANK SINATRA I booked my first studio at like 12 or 13. Somewhere in that season of my life, singing along with t... FRANK OCEAN My first show was when I was a high school freshman, but it was at the junior class dance. My older ... FRANK IERO In the last James Bond movie, the villain was a culture captain, a tycoon of culture, a Murdoch figu... THOMAS FRANK Mrs. Van Daan's grizzling is absolutely unbearable; now she can't any longer drive us crazy over the... ANNE FRANK The refusal to choose is a form of choice; disbelief is a form of belief. FRANK BARRON I'm a late bloomer. FRANK MCCOURT Power attracts the corruptible. Suspect any who seek it. FRANK HERBERT For-profit higher education is today a booming industry, feeding on the student loans handed out to ... THOMAS FRANK Conservatives may believe that impoverished borrowers destroyed Wall Street. But we liberals will no... THOMAS FRANK Strategy is buying a bottle of fine wine when you take a lady out for dinner. Tactics is getting her... FRANK MUIR Nothing anybody's said or written about me ever bothers me, except when it does. FRANK SINATRA