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	<title>Benchmarks</title>
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	<description>The view from where I sit...</description>
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		<title>Benchmarks</title>
		<link>http://realestaterules.wordpress.com</link>
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		<item>
		<title>Gov. Schwarzenegger Signs 10K State Tax Credit Into Law Today</title>
		<link>http://realestaterules.wordpress.com/2010/03/26/gov-schwarzenegger-signs-10k-state-tax-credit-into-law-today/</link>
		<comments>http://realestaterules.wordpress.com/2010/03/26/gov-schwarzenegger-signs-10k-state-tax-credit-into-law-today/#comments</comments>
		<pubDate>Fri, 26 Mar 2010 00:13:56 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[10K Tax Credit]]></category>
		<category><![CDATA[California Firs Time Home Buyer Tax Credit]]></category>
		<category><![CDATA[Carmel Valley]]></category>
		<category><![CDATA[Del Mar]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Poway]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[Scripps Ranch]]></category>
		<category><![CDATA[State Tax Credit]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/?p=58</guid>
		<description><![CDATA[*Caveat: But you better hurry&#8211;limited funds = limited time in which to collect.  Here&#8217;s the quick scoop below provided by the California Association of Realtors. &#8220;AB 183 will provide $200 million for home buyer tax credits, allocating $100 million for qualified first-time home buyers of existing homes and $100 million for purchasers of new, or [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=58&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/03/26/gov-schwarzenegger-signs-10k-state-tax-credit-into-law-today/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Jess</media:title>
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	</item>
		<item>
		<title>UNDISCLOSED SHORT SALE PAYMENTS MAY BE ILLEGAL</title>
		<link>http://realestaterules.wordpress.com/2010/03/17/undisclosed-short-sale-payments-may-be-illegal/</link>
		<comments>http://realestaterules.wordpress.com/2010/03/17/undisclosed-short-sale-payments-may-be-illegal/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 21:14:53 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Fraud]]></category>
		<category><![CDATA[Illegal]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Loan Fraud]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[RESPA]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Short Sale Payments]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/?p=55</guid>
		<description><![CDATA[Undisclosed payments in short sale transactions, especially those paid outside of escrow, may violate the law, including RESPA, laws against loan fraud, and licensing laws. Short sale agents have increasingly reported to C.A.R. about requests for agents and their clients to pay junior lienholders and others, oftentimes outside of escrow. One common scenario is when [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=55&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/03/17/undisclosed-short-sale-payments-may-be-illegal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Jess</media:title>
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		<item>
		<title>IRS Clarifies What&#8217;s Needed to Claim Tax Credit</title>
		<link>http://realestaterules.wordpress.com/2010/02/22/irs-clarifies-whats-needed-to-claim-tax-credit/</link>
		<comments>http://realestaterules.wordpress.com/2010/02/22/irs-clarifies-whats-needed-to-claim-tax-credit/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 19:59:41 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[8k tax credit]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/?p=53</guid>
		<description><![CDATA[The Internal Revenue Service has clarified which documentation taxpayers need to submit to claim the first-time and move-up homebuyer tax credit. While the IRS is still requiring the filing of Form 5405, it is not demanding that all parties’ signatures be on the HUD-1 settlement document in areas where requiring both the buyer and the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=53&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/02/22/irs-clarifies-whats-needed-to-claim-tax-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Jess</media:title>
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		<title>Tips for First Time Home Buyers in San Diego</title>
		<link>http://realestaterules.wordpress.com/2010/02/18/tips-for-first-time-home-buyers-in-san-diego/</link>
		<comments>http://realestaterules.wordpress.com/2010/02/18/tips-for-first-time-home-buyers-in-san-diego/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 18:27:57 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[8k tax credit]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[San Diego]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/2010/02/18/tips-for-first-time-home-buyers-in-san-diego/</guid>
		<description><![CDATA[If you&#8217;re trying to buy a home for the first time in San Diego, you may have discovered that the difficulty is not just in the pre-qualification process for financing a new home. The real challenge is getting one of your multitude of offers accepted. Here&#8217;s a few tips to keep your excitement intact and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=50&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/02/18/tips-for-first-time-home-buyers-in-san-diego/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Jess</media:title>
		</media:content>
	</item>
		<item>
		<title>Harder to get an Uncle Sam Mortgage</title>
		<link>http://realestaterules.wordpress.com/2010/01/26/harder-to-get-an-uncle-sam-mortgage/</link>
		<comments>http://realestaterules.wordpress.com/2010/01/26/harder-to-get-an-uncle-sam-mortgage/#comments</comments>
		<pubDate>Tue, 26 Jan 2010 05:41:05 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/2010/01/26/harder-to-get-an-uncle-sam-mortgage/</guid>
		<description><![CDATA[Here&#8217;s a great article on the changes in FHA Financing due to the number of defaults on FHA. You may want to review with your Lender whether FHA or Conventional Financing is more advantageous for you. http://money.cnn.com/2010/01/19/real_estate/fha_loan_requirements/index.htm Posted in Uncategorized Tagged: FHA, Financing, First Time Home Buyers, Loans<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=45&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/01/26/harder-to-get-an-uncle-sam-mortgage/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">Jess</media:title>
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	</item>
		<item>
		<title>Moneywise Tip of the Day</title>
		<link>http://realestaterules.wordpress.com/2010/01/26/moneywise-tip-of-the-day-2/</link>
		<comments>http://realestaterules.wordpress.com/2010/01/26/moneywise-tip-of-the-day-2/#comments</comments>
		<pubDate>Tue, 26 Jan 2010 01:27:38 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[home financing]]></category>
		<category><![CDATA[money tips]]></category>
		<category><![CDATA[purchasing home]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/2010/01/26/moneywise-tip-of-the-day-2/</guid>
		<description><![CDATA[If you&#8217;re thinking of buying a house, the first step is getting pre-approved so that you know how much house you can afford. The process of pre-approval takes a snapshot of your current financial position and gives you an estimate on the amount a Lender is willing to give you to buy a home or [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=43&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/01/26/moneywise-tip-of-the-day-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Jess</media:title>
		</media:content>
	</item>
		<item>
		<title>Moneywise Tip of the Day</title>
		<link>http://realestaterules.wordpress.com/2010/01/24/moneywise-tip-of-the-day/</link>
		<comments>http://realestaterules.wordpress.com/2010/01/24/moneywise-tip-of-the-day/#comments</comments>
		<pubDate>Sun, 24 Jan 2010 22:45:25 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Interest]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/2010/01/24/moneywise-tip-of-the-day/</guid>
		<description><![CDATA[If you&#8217;ve used a credit card convenience check to make a large purchase at what you thought was a great interest rate, and you like to pay your monthly charges off at the end of each month BEWARE. It turns out that what credit card companies don&#8217;t tell you, is that they apply any payments [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=42&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/01/24/moneywise-tip-of-the-day/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Jess</media:title>
		</media:content>
	</item>
		<item>
		<title>Should You Sack Your Realtor?</title>
		<link>http://realestaterules.wordpress.com/2010/01/23/shoud-you-sack-your-realtor/</link>
		<comments>http://realestaterules.wordpress.com/2010/01/23/shoud-you-sack-your-realtor/#comments</comments>
		<pubDate>Sat, 23 Jan 2010 22:29:46 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/?p=39</guid>
		<description><![CDATA[Ever since I first became a Realtor in a land far away and a time long ago, the principle of fiduciary duty has been mentioned time and time again. I&#8217;m sure many people who have dealt with a Realtor or read any of the agency clauses (as you should) are familiar with this word, but [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=39&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/01/23/shoud-you-sack-your-realtor/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Jess</media:title>
		</media:content>
	</item>
		<item>
		<title>Fence Sitter or Savvy Investor: Choose One</title>
		<link>http://realestaterules.wordpress.com/2010/01/22/fence-sitter-or-savvy-investor-choose-one/</link>
		<comments>http://realestaterules.wordpress.com/2010/01/22/fence-sitter-or-savvy-investor-choose-one/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 02:03:59 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/?p=34</guid>
		<description><![CDATA[It has come to my attention that there are still a few people out there who are able to buy in this market and who are sitting on the fence for one reason or another. A few reasons may be: Waiting for the market to bottom out. Waiting for interest rates to go a 1/2 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=34&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/01/22/fence-sitter-or-savvy-investor-choose-one/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">Jess</media:title>
		</media:content>
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		<item>
		<title>Raining Cats &amp; Dogs!</title>
		<link>http://realestaterules.wordpress.com/2010/01/21/raining-cats-dogs/</link>
		<comments>http://realestaterules.wordpress.com/2010/01/21/raining-cats-dogs/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 22:01:11 +0000</pubDate>
		<dc:creator>realestaterules</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://realestaterules.wordpress.com/2010/01/21/raining-cats-dogs/</guid>
		<description><![CDATA[If you&#8217;re out and about or have been here in San Diego this week, you&#8217;ve seen the avalanche of water pouring off roof tops into the streets, so be extra careful. Needless to say this record-breaking rainfall has caused widespread flooding, and with that much water on the road you&#8217;re going to hydroplane. Just make sure you have a cup of warm [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=realestaterules.wordpress.com&amp;blog=9263384&amp;post=28&amp;subd=realestaterules&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://realestaterules.wordpress.com/2010/01/21/raining-cats-dogs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Jess</media:title>
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