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We live by our imaginations, by our admirations, by our sentiments. The child walks amid heaps of illusions, which he does not like to have disturbed. The boy, how sweet to him his fancy! how dear the story of barons and battles! What a hero he is, whilst he feeds on his heroes! What a debt is his to imaginative books!
—Ralph Waldo Emerson (1803–1882)
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A good debt is not as good as no debt.
—Chinese proverb.
Debt To Income Ratio ... My mortgage consultant took all of my personal information and after doing some figuring, informed me that my debt to income ratio was too risky for any lenders to want to give me money... My consultant told me that I needed to really dig into my financial situation and figure out how to make my debt to income ratio much more appealing to lenders... Even if I could only afford to send an extra $10 each month, at least I was making a tiny dent in my debt to income ratio...