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	<title>Jack Sternberg's Real Estate Blog</title>
	<link>http://jacksternberg.com/blog</link>
	<description>A 30-year veteran of the real estate industry, Jack Sternberg offers his thoughts on the state of real estate.</description>
	<pubDate>Tue, 20 May 2008 20:07:02 +0000</pubDate>
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		<title>Did You Ask: &#8220;Has There Been A Mortgage Rate Reprice In The Last Hour?&#8221;</title>
		<link>http://jacksternberg.com/blog/?p=25</link>
		<comments>http://jacksternberg.com/blog/?p=25#comments</comments>
		<pubDate>Tue, 20 May 2008 19:58:36 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=25</guid>
		<description><![CDATA[Yesterday, several mortgage lenders issued three separate &#8220;rate sheets&#8221; in response to the changing mortgage market. 
It was the fourth time in the last 6 trading days that mortgage lenders issued multiple rate sheets in a day, and continued the trend that started in mid-January.
The yo-yo nature of mortgage rates underscores the importance of making mortgage rate [...]]]></description>
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		<title>The Vital Topic of Liens in Real Estate</title>
		<link>http://jacksternberg.com/blog/?p=26</link>
		<comments>http://jacksternberg.com/blog/?p=26#comments</comments>
		<pubDate>Mon, 19 May 2008 16:58:36 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=26</guid>
		<description><![CDATA[A lien is defined as a claim against a property for repayment of a loan or other judgments. 
This sounds like a very boring topic, but it&#8217;s one of vital interest to you as an investor. This is because of one very important fact&#8211;a lien affects the ability to transfer ownership of a property!
Believe me, it [...]]]></description>
		<wfw:commentRss>http://jacksternberg.com/blog/?feed=rss2&amp;p=26</wfw:commentRss>
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		<title>Smart Money Magazine Says Renters Have Lame Excuses</title>
		<link>http://jacksternberg.com/blog/?p=27</link>
		<comments>http://jacksternberg.com/blog/?p=27#comments</comments>
		<pubDate>Fri, 16 May 2008 17:27:47 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=27</guid>
		<description><![CDATA[It&#8217;s not often that a mainstream media publication taunts renters into buying homes, but that&#8217;s exactly what Smart Money does in its latest issue.
The Smart Money Web site &#8220;lead-in&#8221; reads 5 (Lame) Excuses for Not Buying a Home.  That&#8217;s a forceful title!
It&#8217;s unfortunate that renters could feel antagonized by the author&#8217;s tone because the article [...]]]></description>
		<wfw:commentRss>http://jacksternberg.com/blog/?feed=rss2&amp;p=27</wfw:commentRss>
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		<title>The &#8220;Inevitable&#8221; Recession That Never Was</title>
		<link>http://jacksternberg.com/blog/?p=28</link>
		<comments>http://jacksternberg.com/blog/?p=28#comments</comments>
		<pubDate>Fri, 16 May 2008 01:41:33 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=28</guid>
		<description><![CDATA[Retail Sales measures total receipts at stores that sell tangible &#8220;things&#8221; and &#8212; aside from weak demand for automobiles and automobile parts &#8212; Retail Sales displayed surprising strength in April. 
So much strength, in fact, that many experts are changing their predictions about the U.S. economy&#8217;s fate.
Several months ago, most pundits declared that a economic recession was all [...]]]></description>
		<wfw:commentRss>http://jacksternberg.com/blog/?feed=rss2&amp;p=28</wfw:commentRss>
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		<title>What Mortgage Fraud Looks Like</title>
		<link>http://jacksternberg.com/blog/?p=29</link>
		<comments>http://jacksternberg.com/blog/?p=29#comments</comments>
		<pubDate>Wed, 14 May 2008 15:33:08 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=29</guid>
		<description><![CDATA[
According to the FBI 2007 Mortgage Fraud Report, more than 46,000 cases of suspected mortgage fraud were reported last year.  This led to bank losses exceeding $813 million.
If you&#8217;re looking for reasons why mortgage underwriting is measurably more difficult in 2008 &#8212; add &#8220;mortgage fraud&#8221; to the list.  Lenders now perform extra scrutiny on each home [...]]]></description>
		<wfw:commentRss>http://jacksternberg.com/blog/?feed=rss2&amp;p=29</wfw:commentRss>
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		<item>
		<title>How Far Will Your Salary Go In A Different City?</title>
		<link>http://jacksternberg.com/blog/?p=30</link>
		<comments>http://jacksternberg.com/blog/?p=30#comments</comments>
		<pubDate>Tue, 13 May 2008 20:26:25 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=30</guid>
		<description><![CDATA[Just like real estate markets differ from town to town, so does the Cost of Living.
Courtesy of CNNMoney, this helpful calculator measures the change in living expenses a person would face when moving between any two major cities in America.
The key expenses compared are:

Groceries
Housing
Utilities
Transportation
Healthcare

The comparison data is provided by C2ER which, on its own Web site, [...]]]></description>
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		<title>Looking Back And Looking Ahead : May 12, 2008</title>
		<link>http://jacksternberg.com/blog/?p=31</link>
		<comments>http://jacksternberg.com/blog/?p=31#comments</comments>
		<pubDate>Mon, 12 May 2008 08:57:06 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=31</guid>
		<description><![CDATA[With little economic news to influence trading and despite a late-Friday afternoon spike, mortgage rates edged lower last week.
Two weeks ago, when it lowered the Fed Funds Rate by a quarter-percent, the Federal Reserve noted two things:

The economy was stabilizing
High energy costs threatened inflation

In the days that followed, though, the U.S. dollar strengthened and crude oil [...]]]></description>
		<wfw:commentRss>http://jacksternberg.com/blog/?feed=rss2&amp;p=31</wfw:commentRss>
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		<title>Title Holding in Real Estate</title>
		<link>http://jacksternberg.com/blog/?p=24</link>
		<comments>http://jacksternberg.com/blog/?p=24#comments</comments>
		<pubDate>Mon, 05 May 2008 15:43:30 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=24</guid>
		<description><![CDATA[There are several ways to hold the title to a property. Some are simple; some are complex. Each has its advantages and disadvantages, so you have to decide which one is right for you. In this article, I’ll describe the most common forms of title holding and the advantages and disadvantages of each.
Sole Proprietorship
This is [...]]]></description>
		<wfw:commentRss>http://jacksternberg.com/blog/?feed=rss2&amp;p=24</wfw:commentRss>
		</item>
		<item>
		<title>Why Mortgage Rates Aren&#8217;t Falling Even Though The Economy Is Shedding Jobs</title>
		<link>http://jacksternberg.com/blog/?p=17</link>
		<comments>http://jacksternberg.com/blog/?p=17#comments</comments>
		<pubDate>Fri, 02 May 2008 18:41:53 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=17</guid>
		<description><![CDATA[According to the Bureau of Labor Statistics, the U.S. economy shed 20,000 jobs in April 2008.  The labor force now counts at 146 million people as employed.
Normally, a loss of jobs would foretell economic weakness and would be a good thing for mortgage rate shoppers.  Today, though, traders had been expecting a larger loss of 70,000 [...]]]></description>
		<wfw:commentRss>http://jacksternberg.com/blog/?feed=rss2&amp;p=17</wfw:commentRss>
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		<item>
		<title>Why It Doesn&#8217;t Matter What The Federal Reserve Does Today</title>
		<link>http://jacksternberg.com/blog/?p=19</link>
		<comments>http://jacksternberg.com/blog/?p=19#comments</comments>
		<pubDate>Wed, 30 Apr 2008 18:57:59 +0000</pubDate>
		<dc:creator>Jack Sternberg</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://jacksternberg.com/blog/?p=19</guid>
		<description><![CDATA[The Federal Open Market Committee adjourns from its two-day meeting at 2:15 P.M. ET today. 
Markets expect the Fed to lower the Fed Funds Rate by 0.250 percent in its press release but it&#8217;s not what the Fed does that matters to economy right now. 
It&#8217;s what the Fed says.
If the Fed states that future rate cuts [...]]]></description>
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