Even if there's a pick-up today in job creation, we should not see a real improvement in delinquencies until later this year -- there's about a six- to nine-month lag. But I clearly believe the employment market plays a key factor in delinquencies.
More Quotes from Keith Leggett:Financial instruments need to reflect the risk tolerance and life cycle people are in. Shop around before deciding where to place your savings.
People need to choose the risk and savings instruments that are right for them. If a person is very risk averse, then bank deposits are very attractive.
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It's all I have left in my life, caffeine and a poodle.
Take risks. Ask big questions. Don't be afraid to make mistakes; if you don't make mistakes, you're not reaching far enough.
There was a generation of people who moved here to make something of themselves. They had to really struggle and created really something on their own apart from a lot of attention. It was a really exciting time here.