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	<title>Visionary Realty News &#187; Money</title>
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	<description>by Visionary Agents w/ Sotheby&#039;s International Realty® Where lifestyle is Realty adjacent.™. Providing Comprehensive Real Estate Knowledge and Services to Residential Buyers and Sellers.</description>
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		<title>The Best Holiday Gift Some People Might Receive Would be help with a Down Payment on a House</title>
		<link>http://www.visionaryrealtynews.com/2011/12/the-best-holiday-gift-some-people-might-receive-would-be-help-with-a-down-payment-on-a-house/</link>
		<comments>http://www.visionaryrealtynews.com/2011/12/the-best-holiday-gift-some-people-might-receive-would-be-help-with-a-down-payment-on-a-house/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 17:00:36 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Closing costs]]></category>
		<category><![CDATA[Down payment]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Individual Retirement Account]]></category>
		<category><![CDATA[Internal Revenue Service]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Payment]]></category>
		<category><![CDATA[Trulia]]></category>
		<category><![CDATA[VA loan]]></category>

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		<description><![CDATA[Help with a down payment With most lenders requiring borrowers to put down at least 20 percent as a down payment – unless using an FHA or VA loan, or purchasing mortgage insurance – the best holiday gift some people might receive would be help with a down payment on a house.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2011/12/the-best-holiday-gift-some-people-might-receive-would-be-help-with-a-down-payment-on-a-house/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>The Buying Power of Low Rates: Money&#8217;s so cheap to buy they&#8217;re throwing in the house for free.</title>
		<link>http://www.visionaryrealtynews.com/2010/09/the-buying-power-of-low-rates-moneys-so-cheap-to-buy-theyre-throwing-in-the-house-for-free/</link>
		<comments>http://www.visionaryrealtynews.com/2010/09/the-buying-power-of-low-rates-moneys-so-cheap-to-buy-theyre-throwing-in-the-house-for-free/#comments</comments>
		<pubDate>Thu, 16 Sep 2010 05:24:33 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Buying]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Current Mortgage Rates]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Merchant Services]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=32769</guid>
		<description><![CDATA[Back to The Buying Power of Low Rates

Interest rates are at historic lows. We hear this in the news everyday, but what does it really mean?]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Follow the Appraisal Insight Blog</title>
		<link>http://www.visionaryrealtynews.com/2010/06/follow-the-appraisal-insight-blog/</link>
		<comments>http://www.visionaryrealtynews.com/2010/06/follow-the-appraisal-insight-blog/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 20:27:31 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Home Improvement]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[Refinancing]]></category>

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		<description><![CDATA[Get the latest appraisal news and analysis.

Appraisal Foundation, Appraisal Institute In Dispute 

House Offer Includes Sunset of HVCC]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/06/follow-the-appraisal-insight-blog/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>June 1 Fannie Mae has lenders pull a NEW credit report prior to ordering loan documents and/or closing.</title>
		<link>http://www.visionaryrealtynews.com/2010/05/june-1-fannie-mae-has-lenders-pull-a-new-credit-report-prior-to-ordering-loan-documents-andor-closing/</link>
		<comments>http://www.visionaryrealtynews.com/2010/05/june-1-fannie-mae-has-lenders-pull-a-new-credit-report-prior-to-ordering-loan-documents-andor-closing/#comments</comments>
		<pubDate>Sun, 16 May 2010 23:33:00 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[FannieMae]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Underwriting]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=25456</guid>
		<description><![CDATA[Starting June 1, 2010 Fannie Mae is going to implement some changes to their underwriting process. Most of them are minor and will not have any impact, but the one that MAY change things is the lenders will be pulling a NEW credit report prior to ordering loan documents and/or closing.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Cash for Appliances Rebates for CA Residents to save money and help the environment when you buy new household appliances.</title>
		<link>http://www.visionaryrealtynews.com/2010/04/cash-for-appliances-rebates-for-ca-residents-to-save-money-and-help-the-environment-when-you-buy-new-household-appliances/</link>
		<comments>http://www.visionaryrealtynews.com/2010/04/cash-for-appliances-rebates-for-ca-residents-to-save-money-and-help-the-environment-when-you-buy-new-household-appliances/#comments</comments>
		<pubDate>Fri, 30 Apr 2010 20:18:40 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[Green Living]]></category>
		<category><![CDATA[Home Improvement]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[California Energy Commission]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Public utility]]></category>
		<category><![CDATA[Southern California]]></category>
		<category><![CDATA[Southern California Gas Company]]></category>
		<category><![CDATA[United States]]></category>
		<category><![CDATA[Website]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=24534</guid>
		<description><![CDATA[Take advantage of this great opportunity to save money and help the environment when you buy new household appliances.

In addition to rebates offered by Southern California Gas Company, you may also be eligible to receive rebates through California's "Cash for Appliances" rebate program.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/04/cash-for-appliances-rebates-for-ca-residents-to-save-money-and-help-the-environment-when-you-buy-new-household-appliances/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Heads up… California needs money. Here are 26 Traffic Ticket Fines from $1876 to $148!</title>
		<link>http://www.visionaryrealtynews.com/2010/01/heads-up%e2%80%a6-california-needs-money-here-are-26-traffic-ticket-fines-from-1876-to-148/</link>
		<comments>http://www.visionaryrealtynews.com/2010/01/heads-up%e2%80%a6-california-needs-money-here-are-26-traffic-ticket-fines-from-1876-to-148/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 08:04:04 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Current Events]]></category>
		<category><![CDATA[LA Area]]></category>
		<category><![CDATA[Visiting LA]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[West Hollywood]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[Agents and Marketers]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Stop sign]]></category>
		<category><![CDATA[traffic]]></category>
		<category><![CDATA[Traffic ticket]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=20333</guid>
		<description><![CDATA[Heads up… California needs money, so pay attention to the rules of the road!]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/01/heads-up%e2%80%a6-california-needs-money-here-are-26-traffic-ticket-fines-from-1876-to-148/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Report: Obama Skews Stimulus Jobs Count</title>
		<link>http://www.visionaryrealtynews.com/2010/01/report-obama-skews-stimulus-jobs-count/</link>
		<comments>http://www.visionaryrealtynews.com/2010/01/report-obama-skews-stimulus-jobs-count/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 00:36:50 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[Associated Press]]></category>
		<category><![CDATA[Darrell Issa]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[job-count]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[nobama]]></category>
		<category><![CDATA[Obama]]></category>
		<category><![CDATA[obamination]]></category>
		<category><![CDATA[Office of Management]]></category>
		<category><![CDATA[Office of Management and Budget]]></category>
		<category><![CDATA[Peter R. Orszag]]></category>
		<category><![CDATA[Presidency of Barack Obama]]></category>
		<category><![CDATA[stimulus]]></category>
		<category><![CDATA[stimulus jobs]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[The Obama administration reportedly is changing the way it counts jobs created or saved by stimulus spending in a way that will make the programs look far more successful.]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2010/01/report-obama-skews-stimulus-jobs-count/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will Rent to Own Work For You?</title>
		<link>http://www.visionaryrealtynews.com/2009/11/will-rent-to-own-work-for-you/</link>
		<comments>http://www.visionaryrealtynews.com/2009/11/will-rent-to-own-work-for-you/#comments</comments>
		<pubDate>Wed, 25 Nov 2009 04:14:23 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Renting]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Down payment]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Ownership]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Rent-to-own]]></category>
		<category><![CDATA[Syndicated Posts]]></category>

		<guid isPermaLink="false">http://ezinearticles.com/?Will-Rent-to-Own-Work-For-You?&#038;id=3323540</guid>
		<description><![CDATA[A rent to own is just like any other kind of renting. However, if you are considering buying a property to be called your own, this might be a good investment choice for you. The down payment you make will be considered as part of the purchase price, and in a few years, the house you are renting will soon be in your own name.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Estate Tax &#8211; Death Tax</title>
		<link>http://www.visionaryrealtynews.com/2009/10/estate-tax-death-tax/</link>
		<comments>http://www.visionaryrealtynews.com/2009/10/estate-tax-death-tax/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 23:28:54 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Investor Words]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Death]]></category>
		<category><![CDATA[Estate tax in the United States]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Politics]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[United States]]></category>
		<category><![CDATA[Warren Buffett]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=11859</guid>
		<description><![CDATA[Image via Wikipedia As the cliché goes, there are only two certainties in life: death and taxes. But, they&#8217;re intertwined. When you go to the great beyond, the government generally wants its cut, which is just under half the size of your estate, provided it reaches a certain size. Yep: The government can be your [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Owner financing, occurs when seller finances all or a portion of #realestate. aka &#8220;Owner Will Carry&#8221; or &#8220;Carrying a Note&#8221;. Tax advantages!</title>
		<link>http://www.visionaryrealtynews.com/2009/09/owner-financing-occurs-when-seller-finances-all-or-a-portion-of-realestate-aka-owner-will-carry-or-carrying-a-note-tax-advantages/</link>
		<comments>http://www.visionaryrealtynews.com/2009/09/owner-financing-occurs-when-seller-finances-all-or-a-portion-of-realestate-aka-owner-will-carry-or-carrying-a-note-tax-advantages/#comments</comments>
		<pubDate>Sun, 20 Sep 2009 23:07:49 +0000</pubDate>
		<dc:creator>Carlo Capomazza</dc:creator>
				<category><![CDATA[1031 Starker Exchange]]></category>
		<category><![CDATA[Listing Presentation]]></category>
		<category><![CDATA[Money-Saving]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[VRN]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Closing cost]]></category>
		<category><![CDATA[Escrow]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Property tax]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Real estate economics]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://www.visionaryrealtynews.com/?p=9314</guid>
		<description><![CDATA[Image by lumaxart via Flickr DOES ANY OF THIS SOUND FAMILIAR? * &#8220;I&#8217;m tired of managing property and dealing with tenants.&#8221; * “I’ve got tenants/family members that don’t pay me enough, but I just don’t have the heart to raise their rent or kick them out.” * “I refuse to pay all those capital gains [...]]]></description>
		<wfw:commentRss>http://www.visionaryrealtynews.com/2009/09/owner-financing-occurs-when-seller-finances-all-or-a-portion-of-realestate-aka-owner-will-carry-or-carrying-a-note-tax-advantages/feed/</wfw:commentRss>
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