Stephen Keat

“Saving for a down payment or cash purchase of a home should occur after becoming debt-free in Step Two and after finishing the emergency fund in Step Three. That makes saving for a down payment Baby Step Three (b). You should save for the home if you have the itch before moving on to the next step. Many people are worried about getting a home, but please let it be a blessing rather than a curse. It will be a curse if you buy something while you are still broke. There are all sorts of folks who are eager to “work with you” so you can make it happen sooner, but the definition of “Creative Financing” is “Too Broke to Buy a House.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

“They swore by concrete. They built for eternity.”
― Gunter Grass

“When Cindy’s crying slowed to convulsive gasps, she picked up Floppy and they got in bed and she looked at the picture of her and her father at Lake Barkley. “Good night, Daddy. I love you!”
― Shafter Bailey, Cindy Divine: The Little Girl Who Frightened Kings

“Aaron anticipated the application of some kind of healing balm, but to his surprise the healer started singing a soft melodic tune. The breath from the notes fell on Aaron’s injured arm and he felt the hairs on his forearm react to the soft breath. It was only moments before the song drifted away on the wind and Wonataban’s instruction followed the last note: “Open your eyes.”
― Robert Reid, The Empress: