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The majority of people experiencing a rate increase will reach their maximum by the end of the second year.


Nancy Kincaid

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The end of the world is a strange concept. The world is always ending, and the end is always being a...
NEIL GAIMAN You must save what you can of your life; you musn't lose it all simply because you've lost a part.
HENRY JAMES I don't know if I have a favorite color.
KATE MIDDLETON It's very special having a new little girl.
KATE MIDDLETON The End is Nigh!" the man shouted.
"Is there still time for hot chocolate?" Riley asked.
T...
JANA OLIVER It's not the end of the world, but you can see it from there.
PIERRE ELLIOTT TRUDEAU Let me finish my beer." (Stark)
"Of course. The end of the world can wait.(Kasabian)
RICHARD KADREY I liked myths. They weren't adult stories and they weren't children's stories. They were better than...
NEIL GAIMAN Any death is stupid from the viewpoint of whoever is undergoing it, Adam One used to say, because no...
MARGARET ATWOOD Life is short, and that's why, I don't test people; because we all fail tests sometimes, but that is...
C. JOYBELL C. If you have read this far in the chronicle of the Baudelaire orphans - and I certainly hope you have...
LEMONY SNICKET The Fed will definitely be raising the rate at the end of this month, and it's certainly possible we...
KORNELIUS PURPS Life begins somewhere and ends somewhere with time but to get somewhere with the life you have depen...
ERNEST AGYEMANG YEBOAH It's not the end of the world to lose.
ANDY MURRAY At the end of the day, I'm a man.
DANIEL CORMIER She wasn't bitter. She was sad, though. But it was a hopeful kind of sad. The kind of sad that just ...
STEPHEN CHBOSKY So, I guess we are who we are for alot of reasons. And maybe we'll never know most of them. But even...
STEPHEN CHBOSKY I love my mom so much. I don't care if that's corny to say. I think on my next birthday, I'm going t...
STEPHEN CHBOSKY We Are All Infinite
STEPHEN CHBOSKY (All the grief she had suffered over her lifetime had moulded her face into a mask of eternal sadnes...
JEAN SASSON You can't just sit there and put everyone's lives ahead of yours and think that counts as love. You ...
STEPHEN CHBOSKY I saw other people there. Old men sitting alone. Young girls with blue eye shadow and awkward jaws. ...
STEPHEN CHBOSKY That one moment when you know you are not a sad story. You are ALIVE.
STEPHAN CHBOSKY Somos quienes somos por un montón de razones.Quizás nunca conozcamos la mayoría de ellas.Pero aun...
STEPHEN CHBOSKY Ambos dijeron que tomara asiento y parecían hablar en serio, así que me senté.
STEPHEN CHBOSKY I know these will all be stories some day, and our pictures will become old photographs. We all beco...
STEPHEN CHBOSKY So I guess we are who we are for a lot of reasons. And maybewe'll never know most of them.
STEPHEN CHBOSKY So I guess we are who we are for a lot of reasons. And maybe we'll never know most of them.
STEPHEN CHBOSKY There's nothing like the deep breathes after laughing that hard. Nothing in the world like a sore st...
STHEPHEN CHBOSKY no more pencils, no more books, no more teachers' dirty looks, when the teacher rings the bell, drop...
STEPHEN CHBOSKY I don't know the significance of this, but I find it very interesting.
STEPHEN CHBOSKY Maybe it’s sad that these are now memories. And maybe it’s not sad.
STEPHEN CHBOSKY She would drink until the trembling stopped. Then she would wilt over the piano like one of Celia's ...
NANCY FARMER She said 'Over my dead body!' so I took her at her word.
DIANA WYNNE JONES What is the Other?" they ask.
The Other is the one who taught me whatI should be like, but not ...
PAULO COELHO Don’t put off till tomorrow anyone you could be doing today.
EMMA CHASE The end of this world looks closer
in eyes of them who want to repent.
TOBA BETA It looks like freedom but it feels like death, it's something in between I guess. It's closing time.
LEONARD COHEN The machines do not solve problems with greater insight than men do, only faster. Only faster!
ISAAC ASIMOV She sat watching the street and its businesses melt away in the thick tides of mist, partially re-fo...
DEAN KOONTZ Our civilization is doomed to a short life: its component parts are too heterogeneous. I personally ...
PAUL BOWLES Hooray! Hooray! The end of the world has been postponed!
HERGé Nuclear, ecological, chemical, economic — our arsenal of Death by Stupidity is impressive for a sp...
JEANETTE WINTERSON Another year is ending, but something is pending
ERNEST AGYEMANG YEBOAH Look, my friends!' he called. 'Here's a pretty hobbit-skin to wrap an elven princeling in! If it wer...
J.R.R. TOLKIEN Courage is of no value unless accompanied by justice; yet if all men became just, there would be no ...
AGESILAUS THE SECOND It's all to do with the training: you can do a lot if you're properly trained.
QUEEN ELIZABETH II Like all best families, we have our share of eccentricities, of impetuous and wayward youngsters and...
QUEEN ELIZABETH II My husband has quite simply been my strength and stay all these years, and I owe him a debt greater ...
QUEEN ELIZABETH II It is easy enough to define what the Commonwealth is not. Indeed this is quite a popular pastime.
QUEEN ELIZABETH II I have to be seen to be believed.
QUEEN ELIZABETH II I have in sincerity pledged myself to your service, as so many of you are pledged to mine. Throughou...
QUEEN ELIZABETH II I hope that tomorrow we can all, wherever we are, join in expressing our grief at Diana's loss, ...
QUEEN ELIZABETH II I myself prefer my New Zealand eggs for breakfast.
QUEEN ELIZABETH II The British constitution has always been puzzling and always will be.
QUEEN ELIZABETH II I have behind me not only the splendid traditions and the annals of more than a thousand years but t...
QUEEN ELIZABETH II To what greater inspiration and counsel can we turn than to the imperishable truth to be found in th...
QUEEN ELIZABETH II What were once only hopes for the future have now come to pass; it is almost exactly 13 years since ...
QUEEN ELIZABETH II First, I want to pay tribute to Diana myself. She was an exceptional and gifted human being. In good...
QUEEN ELIZABETH II I cannot lead you into battle. I do not give you laws or administer justice but I can do something e...
QUEEN ELIZABETH II To all those who have suffered as a consequence of our troubled past I extend my sincere thoughts an...
QUEEN ELIZABETH II Grief is the price we pay for love.
QUEEN ELIZABETH II The upward course of a nation's history is due in the long run to the soundness of heart of its ...
QUEEN ELIZABETH II At its heart, engineering is about using science to find creative, practical solutions. It is a nobl...
QUEEN ELIZABETH II At Christmas, I am always struck by how the spirit of togetherness lies also at the heart of the Chr...
QUEEN ELIZABETH II For many, Christmas is also a time for coming together. But for others, service will come first.
QUEEN ELIZABETH II The lessons from the peace process are clear; whatever life throws at us, our individual responses w...
QUEEN ELIZABETH II I declare before you all that my whole life, whether it be long or short, shall be devoted to your s...
QUEEN ELIZABETH II Therefore I am sure that this, my Coronation, is not the symbol of a power and a splendor that are g...
QUEEN ELIZABETH II We lost the American colonies because we lacked the statesmanship to know the right time and the man...
QUEEN ELIZABETH II Madam President, speaking here in Dublin Castle it is impossible to ignore the weight of history, as...
QUEEN ELIZABETH II These wretched babies don't come until they are ready.
QUEEN ELIZABETH II I know of no single formula for success. But over the years I have observed that some attributes of ...
QUEEN ELIZABETH II The events that I have attended to mark my Diamond Jubilee have been a humbling experience. It has t...
QUEEN ELIZABETH II In remembering the appalling suffering of war on both sides, we recognise how precious is the peace ...
QUEEN ELIZABETH II Like all the best families, we have our share of eccentricities, of impetuous and wayward youngsters...
QUEEN ELIZABETH II No one who knew Diana will ever forget her. Millions of others who never met her, but felt they knew...
QUEEN ELIZABETH II I have been aware all the time that my peoples, spread far and wide throughout every continent and o...
QUEEN ELIZABETH II Are you ready for the rapture of the church
Are you ready for Heaven
Our Lord Jesus Christ...
DORIS IJEOMA BASIL God has the capacity to look at the world through two lenses. When God looks at a painful or wicked ...
JOHN PIPER I am often asked how it is that I am able to value people to such a deep degree. Apparently, I exhib...
C. JOYBELL C. President Obama, Nancy Pelosi, Harry Reid, and their team have failed the American people, and that ...
MITT ROMNEY At the end of the day, it's all about money.
GARRY KASPAROV Here was one with an air of high nobility such as Aragorn at times revealed, less high perhaps, yet ...
J.R.R. TOLKIEN We'll sort of get over the marriage first and then maybe look at the kids. But obviously we want...
PRINCE WILLIAM Family is the most important thing in the world.
PRINCESS DIANA You philosophers are lucky men. You write on paper and paper is patient. Unfortunate Empress that I ...
CATHERINE THE GREAT With the right help, children have a good chance of overcoming their issues while they are still you...
KATE MIDDLETON As iron sharpens iron, so a friend sharpens a friend.
KING SOLOMON I don't mind a big fascinator. I think there is more scope for artwork in a fascinator rather th...
ZARA PHILLIPS I was always told from the hat-makers that you should have your hair up because it shows the hat mor...
ZARA PHILLIPS I don't think I'll still be riding at 40. There are a couple of people who are still riding ...
ZARA PHILLIPS My dad's not a big talker.
ZARA PHILLIPS My dad can be pretty critical sometimes.
ZARA PHILLIPS I'd love to have kids, but not at the moment.
ZARA PHILLIPS You cannot make horses 'safe.'
ZARA PHILLIPS Virtually everything that gets printed about me is wrong anyway, so it doesn't really matter wha...
ZARA PHILLIPS It's stupid to say that I don't like being in the public eye, but I don't like doing stu...
ZARA PHILLIPS I'm an affectionate person.
ZARA PHILLIPS People still text me to say that there is something about me in the paper, and what really annoys me...
ZARA PHILLIPS

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JAMAICA KINCAID The English language started out as a distortion in my life, but nothing remains the same, and so th...
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JAMAICA KINCAID this is how you smile to someone you don't like too much; this is how you smile to someone you don't...
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NANCI KINCAID Watching the events is free. Everything is open to the public.
DON KINCAID Watching the events is free,
DON KINCAID Tom and I had a few discussions and got an agreement signed. Flowe and the staff at Burningtree have...
DON KINCAID We've got the Hooters Tour's top 20 money winners coming. The Decatur tournament is the tour's stron...
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DON KINCAID It's shaping up to be the best field in the tournament's 13 years here. You'll see golf as good as y...
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NANCY GIBBS When I first ran for Congress, I went to my daughter Alexandra, who was going to be a senior in high...
NANCY PELOSI Competition is always a good thing. It forces us to do our best. A monopoly renders people complacen...
NANCY PEARCEY I think the thing I miss most in our age is our manners. It sounds so old-fashioned in a way. But ev...
NANCY FRIDAY All the criticism and all of the praise, it doesn't - it's not worth the salt that goes on m...
NANCY GRACE Think of an economy where people could be an artist or a photographer or a writer without worrying a...
NANCY PELOSI A stereotype may be negative or positive, but even positive stereotypes present two problems: They a...
NANCY KRESS When I was growing up, I loved stories in which a girl sets out on a quest to rescue the prince inst...
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NANCY WILLARD I used to want covers that represented the book's contents very closely and were also pretty. Ma...
NANCY WERLIN You start thinking about a character in a new book, of course you're going to think pretty soon,...
NANCY WERLIN I do seem to have a lot of family secrets in my novels. I guess I'm one of those writers who is ...
NANCY WERLIN Going back to my own past as a reader, I was a big, big reader of romances, particularly as a teenag...
NANCY WERLIN There was a mission: To match the cover of 'Extraordinary' to the cover of the paperback ...
NANCY WERLIN I actually hope people don't react to 'Impossible' in a way where they think it's te...
NANCY WERLIN No matter how beautiful and loved a cover may be, the jury on it remains uncommitted until the book ...
NANCY WERLIN 'Extraordinary' is an original fairy tale, a contemporary story. But like a traditional fair...
NANCY WERLIN I've always got on very well with the French, perhaps because I'm very natural.
NANCY WAKE I hate wars and violence but if they come then I don't see why we women should just wave our men...
NANCY WAKE I adored my father.
NANCY WAKE I've probably said that in every feature I've been in. I've been repeatedly defined as t...
NANCY TRAVIS I really enjoy doing sitcom television. It allows me to stay in Los Angeles and spend more time with...
NANCY TRAVIS The alarming thing in China is the almost total absence of primary care. Even in cities, there are n...
NANCY TRAVIS To wait for hours to buy a train ticket or to see a doctor is accepted as a normal way of doing thin...
NANCY TRAVIS I want to do a show about a woman who's juggling a career with a relationship.
NANCY TRAVIS I wish my real life could be as simple and scripted as it is on television.
NANCY TRAVIS 'The Bill Engvall Show' is a comedy about a middle-class family in the Midwest. It's a g...
NANCY TRAVIS I love zoo sanctuaries.
NANCY TRAVIS No one knows how it is that with one glance a boy can break through into a girl's heart.
NANCY THAYER The universe is always speaking to us... sending us little messages, causing coincidences and serend...
NANCY THAYER Morrissey wrote to me and said, I have a song for you and if we release it as a single, you'll b...
NANCY SINATRA I wasn't allowed to grow as an artist. My albums were nicer to look at than to listen to.
NANCY SINATRA I was successful with mediocre material because of a good recording voice that people really liked a...
NANCY SINATRA I was singing about six notes higher than I had to, in a range that kept me up in a bubblegum sound.
NANCY SINATRA I was at a party three weeks prior to the murders at Roman Polanski and Sharon Tate's house.
NANCY SINATRA I was a star in Italy, Austrailia, Germany and Japan before the American stations ever paid attentio...
NANCY SINATRA I wanted to travel with my dad to be close to him again. Having babies and raising my own family too...
NANCY SINATRA His last 2 shows in the U.S. were in Chicago and St. Louis. I don't know what made me go on the ...
NANCY SINATRA Dad really had little to do with the songs, except to perform them.
NANCY SINATRA Morrissey wrote a really gorgeous song for me. I'm crazy for that man. And he thinks I'm hip...
NANCY SINATRA I think I've finally proven something to people who were cynical about me. Because they were cru...
NANCY SINATRA After things started to happen here, my choice of material was extremely limited. It was a weird sit...
NANCY SINATRA There are a lot of people who would laugh at the idea of me being a good singer.
NANCY SINATRA Then all of a sudden, Quentin Tarantino comes along and puts a song from 40 years ago in one of his ...
NANCY SINATRA It would be nice to be on the charts again, nice to be recognised.
NANCY SINATRA I have never been accepted. I'll never make the Rock and Roll Hall of Fame. They're never go...
NANCY SINATRA I am the daughter of the Chairman of the Board and thus, was raised with great music.
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NANCY SINATRA The one hit song that I have tremendous gratitude for is Boots, because it has a life of its own. It...
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NANCY SINATRA After 50, the rock 'n' roll road is a little absurd. It's very difficult to play these l...
NANCY SINATRA What happens in the music business is that if you step out of your little spot to do something else,...
NANCY SINATRA I think most people are aware of the garbage in the tabloids and don't give them a lot of creden...
NANCY SINATRA I had left teaching, which I enjoyed, because I realized I couldn't get tenure at a research uni...
NANCY ROMAN At Swarthmore, the Dean of Women was very opposed to women going into science or engineering - so op...
NANCY ROMAN I wondered had I really oversold the Hubble. I have to admit that, since, I have been convinced that...
NANCY ROMAN My career was quite unusual, so my main advice to someone interested in a career similar to my own i...
NANCY ROMAN It was probably my parents who inspired me most. My father was a scientist and answered my scientifi...
NANCY ROMAN I do not remember exactly when I became interested in astronomy, but I know it was at a very young a...
NANCY ROMAN Looking through the atmosphere is somewhat like looking through a piece of old, stained glass. The g...
NANCY ROMAN One of the reasons I like working with schools is to try to convince women that they can be scientis...
NANCY ROMAN I must say acting was good training for the political life which lay ahead for us.
NANCY REAGAN I'm against abortion. On the other hand, I believe in a woman's choice.
NANCY REAGAN I have been very happy with my homes, but homes really are no more than the people who live in them.
NANCY REAGAN The movies were custard compared to politics.
NANCY REAGAN You just get up each day and put one foot in front of the other and go. You know, each day is differ...
NANCY REAGAN With Alzheimer's patients, you have to be very careful what you say when you're looking at t...
NANCY REAGAN I don't intend for this to take on a political tone. I'm just here for the drugs.
NANCY REAGAN I'm very grateful that President Obama has lifted the restrictions on federal funding for embryo...
NANCY REAGAN It is true that when you're in the White House alone, it is a lonely place. Big and lonely.
NANCY REAGAN There is no job description for the first lady and she's only there because her husband got elec...
NANCY REAGAN As I've said before, time is short, and life is precious.
NANCY REAGAN My life really began when I married my husband.
NANCY REAGAN Now science has presented us with a hope called stem cell research, which may provide our scientists...
NANCY REAGAN I do not believe in abortion at will. I do not believe that if a woman just wants to have an abortio...
NANCY REAGAN I always liked red. It's a picker-upper.
NANCY REAGAN Just say no to drugs!
NANCY REAGAN You learn something out of everything, and you come to realize more than ever that we're all her...
NANCY REAGAN Feminism is the ability to choose what you want to do.
NANCY REAGAN Being a writer - even a best-selling one - is usually not anywhere near as public as being a movie s...
NANCY PICKARD Everybody knows now that Marie Lightfoot, the true crime writer, is dating Franklin DeWeese, the sta...
NANCY PICKARD I'm Marie Lightfoot, or at least that's the name my publisher puts on the covers of the book...
NANCY PICKARD I live in a little suburb close to Kansas City called Prairie Village, where there's a feeling o...
NANCY PICKARD I go for drives in the Flint Hills, which is the setting for 'The Virgin of Small Plains'.
NANCY PICKARD I often feel like not writing! Sometimes I overcome it by just sitting there until writing happens. ...
NANCY PICKARD I've lived in Kansas for more than thirty years, and for half of those, I was part of a ranching...
NANCY PICKARD It's such a joy to talk to a roomful of people who have read my novel and are eager to talk abou...
NANCY PICKARD I'm not interested in forcing my beliefs on my readers.
NANCY PICKARD I'm a Midwestern girl, born and bred. It's harder for some of us to write about things close...
NANCY PICKARD I've known a lot of cowboys and a few cowgirls. They're, by and large, some of the smartest,...
NANCY PICKARD I love the unexplainable. It would be so boring to me if everything could be explained.
NANCY PICKARD Democrats believe in reigniting the American dream by removing barriers to success and building ladd...
NANCY PELOSI In our recovery package we put new standards of accountability and transparency, which we hope will ...
NANCY PELOSI When taxpayers are subsidizing low wages, people should be aware of that. We're subsidizing an e...
NANCY PELOSI I really want women to know their power, to value their experience. To understand that nothing has b...
NANCY PELOSI I don't care how popular I am. I'm not putting myself out there to run for higher office.
NANCY PELOSI The American dream is about freedom.
NANCY PELOSI Let's just do what is right for the American people. And those of us who are involved in politic...
NANCY PELOSI If you don't vote, you don't count.
NANCY PELOSI Every month that we do not have an economic recovery package 500 million Americans lose their jobs.
NANCY PELOSI The impact of climate change is a tremendous risk to the security and well-being of our countries.
NANCY PELOSI Raising the minimum wage is the right thing to do, but it's a popular thing to do as well.
NANCY PELOSI Being the first woman speaker and breaking the marble ceiling is pretty important. Now it's time...
NANCY PELOSI The president led us into the Iraq war on the basis of unproven assertions without evidence; he embr...
NANCY PELOSI America will be far safer if we reduce the chances of a terrorist attack in one of our cities than i...
NANCY PELOSI We have so much room for improvement. Every aspect of our lives must be subjected to an inventory......
NANCY PELOSI Public education grants secular worldviews an exclusive monopoly in the classroom.
NANCY PEARCEY The Tea Party has imparted political energy to common-sense American constitutionalism.
NANCY PEARCEY Urban areas tend to attract members of the 'knowledge class' - people who work with ideas, d...
NANCY PEARCEY The defense of marriage is the defense of freedom. Neither of which is obsolete.
NANCY PEARCEY Many journalists are influenced by a myopic multiculturalism that is suspicious of anything Western,...
NANCY PEARCEY The human mind inherently seeks intelligible order. Thus the conviction that such an order exists to...
NANCY PEARCEY My aim in homeschooling is to give my children the ability to be an adult learner, a skill set that ...
NANCY PEARCEY Pro-lifers have long been castigated for bringing private values into the public square. But actuall...
NANCY PEARCEY Indigenous people have discovered that Christianity is not inherently Western but universal - 't...
NANCY PEARCEY Homeschoolers are the ultimate do-it-yourselfers. They are self-motivated and self-directed, indepen...
NANCY PEARCEY America is a knowledge-based society, where information counts as much as material resources. Theref...
NANCY PEARCEY Schools ought to teach students to challenge secular ideologies masquerading as science in the class...
NANCY PEARCEY If pro-abortionists want to commit intellectual suicide and deny scientific facts, that's their ...
NANCY PEARCEY The word 'tolerance' once meant we all have the right to argue rationally for our deepest co...
NANCY PEARCEY Modern secular thought has its own dualism: It treats only the physical world as knowable and testab...
NANCY PEARCEY The White House should always be a friend to American freedom.
NANCY PEARCEY We do not create marriage from scratch. Instead, in the elegant language of the marriage ceremony, w...
NANCY PEARCEY America faces a fundamental choice: either the blessings of liberty or the servitude of liberalism. ...
NANCY PEARCEY Beginning under the Roman Empire, intellectual leadership in the West had been provided by Christian...
NANCY PEARCEY In Gnosticism, the physical world did not ultimately matter - which meant physical suffering did not...
NANCY PEARCEY I have only ever read one book in my life, and that is White Fang. It's so frightfully good I...
NANCY MITFORD I Love children, especially when they cry for then someone takes them away.
NANCY MITFORD To fall in love you have to be in the state of mind for it to take, like a disease.
NANCY MITFORD Surely a King who loves pleasure is less dangerous than one who loves glory?
NANCY MITFORD I'm no actor. And I wasn't like George Lucas or Spielberg, making home movies as a teenager,...
NANCY MEYERS I don't want to be known as the one who makes movies for older people.
NANCY MEYERS I wasn't the kind of kid like Spielberg or Lucas who knew to go to film school. I didn't kno...
NANCY MEYERS I really wanted to be a writer.
NANCY MEYERS My movies are not messed with by the studios.
NANCY MEYERS I don't diet, I don't do fads, I've just decided to not eat carbs. So no more bread and ...
NANCY MEYERS I like to eat meals I will remember. Otherwise, what's the point?
NANCY MEYERS We don't want to be our own niche. We're filmmakers like everybody. How many years in a row ...
NANCY MEYERS There's a hardening of the culture. Reality TV has lowered the standards of entertainment. You&#...
NANCY MEYERS Being part of a team helped me so much. I know the fact that there was a man in the room with me all...
NANCY MEYERS I don't shoot movies quickly because I get a lot of coverage and a lot of angles, so we have all...
NANCY MEYERS I've always been blessed with confidence. I am a glass-half-full person. My first movie, 'Pr...
NANCY MEYERS Normally I don't watch myself, because I'm not very objective.
NANCY MCKEON I started working at the age of 2, doing commercials and modeling in New York.
NANCY MCKEON Actually I've never had formal training, I was lucky enough to continue working most of my caree...
NANCY MCKEON Personally I had the opportunity to go on several ride alongs with the LA County Sheriff's Depar...
NANCY MCKEON One person I've always wanted to work with who would be an amazing guest star would be James Ear...
NANCY MCKEON I'd never played a cop before, and this particular role with what she is going thru, especially ...
NANCY MCKEON At the moment I really love listening to the Dave Matthews Band.
NANCY MCKEON I was a very shy, overly big, kind of creepy-looking kid.
NANCY MARCHAND I wasn't a glamour-puss, and there were more interesting roles for an actress like me in the the...
NANCY MARCHAND