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		<title>City-Data Forum - Blogs</title>
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			<title>City-Data Forum - Blogs</title>
			<link>http://www.city-data.com/blogs/</link>
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			<title>Moving a front loading washer</title>
			<link>http://www.city-data.com/blogs/blog11062-moving-front-loading-washer.html</link>
			<pubDate>Sat, 21 Nov 2009 12:32:05 GMT</pubDate>
			<description>Image: http://reloroundtable.com/blog/wp-content/uploads/Kenmore%20Elite%20Front%20Load%20Washer.jpg  
A lot of consumers are attracted to the convenience and energy savings that modern front load...</description>
			<content:encoded><![CDATA[<div><img src="http://reloroundtable.com/blog/wp-content/uploads/Kenmore%20Elite%20Front%20Load%20Washer.jpg" border="0" alt="" /><br />
A lot of consumers are attracted to the convenience and energy savings that modern front load washers and dryers provide over the longer life of the machines. When you acquire one of these new units, it’s important to save the original shipping/stabilizer bolts, spacers and installation tools. Place all items in a small bag with the operating instructions and either affix the bag to the machine or keep it nearby.<br />
<br />
 When relocating, make sure you either install the shipping bolts before transporting or advise your household goods carrier that you have the necessary components so that your qualified mover or third party appliance technician can install and deinstall them.<br />
<br />
 If you didn’t keep or can’t locate them, it’s best to order the necessary parts several weeks before your planned moving day. Most movers don’t normally carry replacements and third party services may not stock them for your particular brand. It could take some time to order from the manufacturer.<br />
<br />
A good place to check for part numbers and availability is at <a href="http://www.repairclinic.com/Washing-Machine-Parts" target="_blank">RepairClinic</a>.  There is also a universal washing machine stabilization pack on the market called <a href="http://www.litco.com/litkit/index.htm" target="_blank">LitKit</a> that doesn't use bolts but requires a bit more effort.     <br />
<br />
 Front load appliances aren’t the only ones susceptible to transit damage if not properly locked down. Top load models should also be secured with a universal washer pack.<br />
<br />
 In today’s do-it-yourself economy, inexperienced or uninformed consumers involved in any type of moving project can expect some setbacks. Taking the initiative, however, often isn’t the same as having experience. Sometime it pays to ask an appliance technician, piano mover, electrical engineer, building superintendent or relocation specialist for their professional advice. It’s usually free and every bit worth the price.<br />
<br />
Still have questions? You'll find more helpful relocation tips at <a href="http://reloroundtable.com/blog/" target="_blank">RELO Roundtable</a> - a gathering place for anyone interested in participating in a mutually supportive but commercially neutral learning environment that deals with the trials and tribulations of movin’.</div>

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			<dc:creator>RikkiTikki</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11062-moving-front-loading-washer.html</guid>
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			<title>New Members - Pls read (from Blogs Moderator)</title>
			<link>http://www.city-data.com/blogs/blog11063-new-members-pls-read-blogs-moderator.html</link>
			<pubDate>Sat, 21 Nov 2009 12:31:50 GMT</pubDate>
			<description>MAIN FORUM PAGE (http://www.city-data.com/forum/http://www.city-data.com/blogs/feed.rss#general-forums)- 
  
Post your question(s) on the main forums rather than the less populated journaling blogs for better results and more feedback. 
 ...</description>
			<content:encoded><![CDATA[<div><a href="http://www.city-data.com/forum/http://www.city-data.com/blogs/feed.rss#general-forums" target="_blank"><font color="#800080">MAIN FORUM PAGE</font></a>-<br />
 <br />
Post your question(s) on the main forums rather than the less populated journaling blogs for better results and more feedback.<br />
 <br />
If you have any questions, click on my name and select private direct message. Do not reply to your own blogs as I may not see it for days.<br />
 <br />
Check out the Business Profile section. You can locate this from the Home Page on the bottom of the screen if you are advertising your personal business.<br />
 <br />
 <br />
For private individuals, you may use the CLASSIFIED forum for one time deal sales, single item.<br />
 <br />
To search for family members - use the PEOPLE SEARCH forum.<br />
 <br />
Before you post in the BLOGS, read the main forums. There is abundance of information and activity on all of the main forums.<br />
 <br />
The blogs are for journaling private thoughts and less populated. OK? :ok:</div>

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			<dc:creator>2goldens</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11063-new-members-pls-read-blogs-moderator.html</guid>
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			<title>Where to meet women...</title>
			<link>http://www.city-data.com/blogs/blog11060-where-meet-women.html</link>
			<pubDate>Sat, 21 Nov 2009 08:00:02 GMT</pubDate>
			<description><![CDATA[There's been a lot of conversation lately about where to meet good people for dating.. I decided to make a list to try to give people some ideas..  
 
 
* Volunteer (Good if you're shy): This is one...]]></description>
			<content:encoded><![CDATA[<div>There's been a lot of conversation lately about where to meet good people for dating.. I decided to make a list to try to give people some ideas.. <br />
<br />
<ul><li>Volunteer (Good if you're shy): This is one of the best ways to meet people.. Think about it, you work together with a group of people for the common good. Since you are working together, it's much easier to carry on conversations with people you've never met. I've met a lot of great people through working for Habitat for Humanity, and got quite a few dates as well.</li>
</ul><ul><li>Take a class (Good if you're shy): I once took a creative writing class, and I met more people there than I would have imagined. Find something that interests you, and go for it.</li>
</ul><ul><li>Join a group (Good if you're shy): There are clubs for everything; Photography, Gardening, Acting (both beginner and advanced), Politics, Books, Art, Dance, etc. These are all great places to meet people that share the same interests as you.</li>
</ul><ul><li>Find a hobby: Join a bowling league, or learn to fly airplanes. Once you find a hobby, then it's easy to find people that enjoy doing the same things as you.</li>
</ul><ul><li>Join a Health club or Gym: To me, this one's obvious. But, a word of caution here - when introducing yourself, don't come across as being &quot;creepy&quot;, just be natural and let the conversation go where it will.</li>
</ul><ul><li>Try Yoga, Tai Chi, etc: Same as above..</li>
</ul><ul><li>Play a sport (Good if you're shy): I used to be in a co-ed softball legue... It was something set up by local businesses, and ended up being a major thing. Everyone was welcomed there, even if you didn't know the first thing about playing softball. There are groups all over like this. These are people who are just out to have fun, and if you're into sports, find something you enjoy and give it a go.</li>
</ul><ul><li>Run a marathon, ride a bike, go hiking: You get two things out of this, first, you stay healthy, second, you meet great people.</li>
</ul><ul><li>Through friends(Good if you're shy): So, you know someone who knows someone who knows someone.. make friends with that someone.</li>
</ul><ul><li>Go to Museums(Good if you're shy): This is another great place to meet people - just strike up a conversation about an interesting exhibit, or ask a question.</li>
</ul><ul><li>Coffee Shops: Grab a cup of java, sit down, and start talking to the person next to you.  It's almost expected.</li>
</ul><ul><li>Cafe's, resturaunts, etc: With this one, you have to use a little caution. If there's a group of people together and they are obviously not interested in outside company, stay away. But, in a lot of these places, especially the locally owned cafe's, it's easy to strike up a conversation with the person sitting close to you.</li>
</ul><ul><li>Libraries/Book stores(Good if you're shy): Ask for a good book suggestion, or suggest a book, or talk about a book, or just say hi.</li>
</ul><ul><li>Art Galleries(Good if you're shy): Same as museums - strike up a conversation about an interesting exhibit.</li>
</ul><ul><li>Block parties, city events, local events, fairs, etc.: Especially in smaller towns.. these are events that are meant to draw people together. I used to love going to Shakespeare in the Park on weekends - there were always a lot of beautiful ladies there that was interested in more than a one night stand.</li>
</ul><ul><li>Local concerts, chamber music, etc: Sit down next to someone you don't know. When the musicians take a break, start up a conversation.</li>
</ul><ul><li>Community Centers(Good if you're shy): There's always something going on at these places, from classes to sports, just ask the attendant for a schedule of events.</li>
</ul><ul><li>The local park: Always a good place to meet people, especially if it's a large park with plenty of things to do.</li>
</ul><ul><li>Buy a dog: Ok, this one is kinda cheesy, but I had to throw it in here. I mean, seriously, how many women have you met that don't like dogs? This works for the women too; if a man is a dog lover, he's bound to come over and say hi.</li>
</ul><ul><li>Go horseback riding: I don't know what it is about this, but everytime that I've ever gone, I've always met someone.</li>
</ul><ul><li>Go to Wine Tastings(Good if you're shy): ...but don't drink too much! This is another one of those places where it's easy to start a conversation. Just ask for an opinion, it's that easy.</li>
</ul><ul><li>Join a singles group(Good if you're shy): It works, but it's not high on my priority list. The few people that I've known that have gone to these things said they usually only meet &quot;desperate&quot; people.. still worth a shot though.</li>
</ul><ul><li>Go Skydiving, hang-gliding, para-sailing, etc: For you adrenaline junkies.. You get to do something that very few people have done, meet interesting people, and have plenty of stories to share.</li>
</ul><ul><li>Go to seminars, conventions, etc.: I'm not talking about those Star-Trek conventions, although you can meet people at those.. I'm talking about more serious things here. I've gone to a few writing seminars and a couple writing conventions and have met decent people there. It just depends on what you're in to.</li>
</ul><ul><li>Join a business association: Great minds think alike, right? I've known a few people that's had luck here, although I would never do it personally.</li>
</ul><ul><li>High school/college reunions: Get in touch with an old flame, or make a new one.</li>
</ul><ul><li>Get a new job, or a part-time job(Good if you're shy): I usually don't reccomend dating people that you work with, but there are times that it's worth it. Even if you don't meet anyone really outstanding, you'll make new friends. (See, through friends)</li>
</ul><ul><li>Travel: Go on a cruise, meet beautiful women, put suntan lotion on them. Ok, maybe it's not quite that easy, but it is easy to meet people while you're abroad. Just remember though, these relationships are usually (very) short term.. but at least you get to see the world!</li>
</ul><ul><li>Cultural events(Good if you're shy): This is another one of those great places - especially if you have a strong cultural background.</li>
</ul><ul><li>Parent organizations, playgrounds, children's museums, etc: Face it, there's a lot of single parents out there, and most of them are good people that have just gone through rough times. Children are always easy to talk about.</li>
</ul><ul><li>Go to church: ...but only if you're religious.  I think this one is obvious.</li>
</ul><ul><li>Online(Good if you're shy): Online dating has become so mainstream that it's normal to meet people from the internet. Some people have great luck with this, others don't.. either way, it's worth a try.</li>
</ul>There are two big rules here:<br />
<br />
<ol style="list-style-type: decimal"><li>Talk to everyone: You can meet someone anywhere you go. Just be yourself, and be friendly. I make it a rule that if someone is within five steps of me, I acknowledge them in some way - be it a simple smile or a grand &quot;hello!&quot;. Just by acknowledging someone, it makes them feel comfortable with you, and they'll respond.</li>
<li>Get out and <i>do something that you love</i>: You don't meet people by staying home and watching T.V. all night.  If you want to meet someone, you have to <i>do</i> something. If you want to meet someone who's a good match for you, find someone that enjoys doing the same things you do - you're chances at finding a good match are much greater than if you just go places to meet people. We're not talking about one nighters here, we're talking about meeting people for serious relationships.</li>
</ol>I wish you the best!</div>

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			<dc:creator>UrbanBlasphemy</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11060-where-meet-women.html</guid>
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			<title>How to meet women...</title>
			<link>http://www.city-data.com/blogs/blog11059-how-meet-women.html</link>
			<pubDate>Sat, 21 Nov 2009 07:58:49 GMT</pubDate>
			<description><![CDATA[So, you've found yourself at church(or at the supermarket, or at the coffee house, or at the brothel,) and you see a cute girl and want to say hi. You're heart's pounding against your chest like a...]]></description>
			<content:encoded><![CDATA[<div>So, you've found yourself at church(or at the supermarket, or at the coffee house, or at the brothel,) and you see a cute girl and want to say hi. You're heart's pounding against your chest like a sledgehammer, your hands are all cold and sweaty, and you find that those words that you keep rehearsing in your head just won't roll of your tongue like some smooth saying from Don Juan himself. What do you do?<br />
<br />
Meeting girls is easy.  I mean that.  Here's a few tips:<br />
<ul><li>Women are drawn to men with confidence. I've never met a woman who'll walk up to the shy guy sitting in the corner with his head ducked low and ask him out on a date. It doesn't happen. So, before you even think about dating, work on your confidence. Easiest way to do that is to force yourself to talk to everyone you meet. Make it a rule that you have to make at least one person laugh every day. What that does is help you realize that you don't have to be afraid of people, and it'll make you feel better about yourself when someone responds positively. Confidence is easy to build, but nobody can do that but you. You have to go out and take control of your world.. By doing this, you gain that special confidence that women so admire.</li>
</ul><ul><li>Forget about flirting. That's right.. Forget about it. As soon as you decide that you're going to go flirt with someone, that's when you get nervous. Instead, just talk to them like you would talk to anyone.. Focus on making them smile, making them laugh.. Have a real conversation with them. You never know, you might enjoy the conversation so much that you don't even realize how nervous you were.. Right?</li>
</ul><ul><li>Have a good sense of humor. In a way, this goes back to that whole confidence thing. Think about it, when was the last time you really enjoyed the company of someone who completly bored you to tears? Don't be afraid to tease the girl a little.. Personally, I do this everywhere I go, even if I'm not interested in the girl. It's become so natural that I don't even think about it. Now don't be rude here, you don't want to offend the person.. The goal is to make them laugh. How you do it is up to you, it all has to do with your personality. When I see a girl that I like, I take a look at things around her: What she's wearing, what she's doing, etc.. and then I pick something and make a joke about it. If she's at work and looks tired, I'll tease her about staying up too late partying. If we're at a coffee shop and she's reading a book on astrology, I'll make a comment about the idea of all girls being into that, typical woman.. but I'll do it in a lighthearted way that shows her I'm joking. Above all, just be yourself.</li>
</ul><ul><li>Tease her. Same as above, but I wanted to place importance on this. Things really haven't changed much since you were a kid. Remember cooties and chasing the girls around the playground? Yeah, it's not much different. Just that this time, you Want to catch cooties... if you know what I mean. Just keep things light and playful.. that goes a long way with the ladies.</li>
</ul><ul><li>Above and beyond everything else, Always be yourself. Sure, it sounds cliche, but if you think about it, it makes sense. You're true nature is going to come out eventually, right? Lets assume that you get the date and end up in a semi-serious relationship. What happens later on when this chick finds out that you're really a techno-geek that has all of the Star Trek collectible items? Right, you might as well hang it up right then and there. If you start out by being natural, then as the relationship progresses, you won't have anything to fear. Besides, you'll feel more comfortable talking about things that you're interested in.</li>
</ul>So now you've got her attention.. how do you know she's into you?<br />
<ul><li>Watch her body language. Look for things like eye contact, or her leaning towards you when you talk, or her touching herself (playing with her hair, putting her hands to her mouth, etc), and so on and so forth..</li>
</ul><ul><li>She playfully hits you or touches you.  I think this is obvious, but I had to list it.</li>
</ul><ul><li>She giggles.  I love that sound when I can make a girl giggle.. there's nothing mo' bettah than that.</li>
</ul><ul><li>She listens to you and asks questions.  She's interested in what you have to say..</li>
</ul><ul><li>She calls you names. Not derogatory names, that's bad.. but when a girl says that you're crazy, or silly, or funny, or even cute.. there's a good chance she's into you.</li>
</ul><ul><li>And then there's the obvious signs: She gives you her number, or her email.. she asks you out on a date..</li>
</ul>Cool, so now that you know that she's into you, what next?<br />
<ul><li>It's time to go. Unless you're really into the conversation, or there have been plans for another date, it's better to leave on a high note. Some might disagree, but I've found that it heightens the anticipation for the next meeting..</li>
</ul><ul><li>Get her number. It's as easy as it sounds. &quot;Hey, it's been real, but I gotta get going. Write down your number and I'll give ya a call so we can continue this later on.&quot; Personal preference, I never ask for a phone number, I always just tell them to write it down, like above. Do whatever feels comfortable to you.</li>
</ul><ul><li>Finally, call her and set up a date.  Have fun with it.</li>
</ul>Remember, no games. Always be yourself, no matter what. There are no rules for dating, and there's no set formula. Nobody can tell you specifically how to pick up a girl, what to say or do, that's all you. Simply put, live your life the best you can, and always be true to yourself. <br />
<br />
I wish you the best!</div>

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			<dc:creator>UrbanBlasphemy</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11059-how-meet-women.html</guid>
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			<title>The Story of Thanksgiving</title>
			<link>http://www.city-data.com/blogs/blog11057-story-thanksgiving.html</link>
			<pubDate>Sat, 21 Nov 2009 05:23:50 GMT</pubDate>
			<description>Many centuries ago there was a place most people in America have only vaguely heard of. This place was named Britain. Many things in Britain have not changed since that time long ago. In Britain,...</description>
			<content:encoded><![CDATA[<div>Many centuries ago there was a place most people in America have only vaguely heard of. This place was named Britain. Many things in Britain have not changed since that time long ago. In Britain, they still have a eugenics program which dictates that certain people have bloodlines which make them royal and somehow special. Because of their special bloodlines, they are privileged to have enormous sums of money for no other reason than because they're pedigrees - like dogs. <br />
<br />
As we were saying, many centuries ago in this land operated and run by dogs, there was much religious strife. The two main religions at arms with one another were the Christians and the Christians. Essentially, the female pedigree running the country (we'll call her the Queen Bit*h) opted for Christianity to be the main denomination of England. All other Christians would thus be persecuted and some executed - at the command of the Queen Bit*h. This went on for some time - in fact, several centuries. <br />
<br />
Eventually the Christians grew tired and weary of being persecuted by the Christians and decided to flee the country. There was much rumor about this &quot;New World&quot; that lay only about a quarter of the world away. One of the most optimistic ventures the Christians set out for was to worship Christianity on their own without fear of reprisal and vengeance by other Christians. This group of Christians (the one's fleeing - not staying) called themselves The Pilgrims. <br />
<br />
Ahead of them was a grand adventure. They were to leave everything they'd ever known behind - warm ale, rowdy football games, fish and chips, and double-decker red buses - just to practice their own religion. I never said they were sane. I'm just telling the story. <br />
<br />
However, before they set sail for the &quot;New World,&quot; they decided to make a stop in the Netherlands. The irresistible luring of hashish shops and the Red Light District actually became the focus of their attention at first. For reasons unknown, they changed their minds after a short period of time and asked for money from British investors to help them reach this fabled &quot;New World.&quot; <br />
<br />
Finally, they boarded two crappy little ships named <i>Speedwell</i> and <i>Mayflower</i>. <i>Speedwell</i> was poorly named as the only thing it did well was take on water. The Pilgrims were off to a bad start and docked <i>Speedwell</i>. They sold <i>Speedwell</i> for the low, low price of $19.95. They then opted to board <i>Mayflower</i> as one group. <br />
<br />
The trip started out well but they soon ran into heavy squalls, rain and wind. Not much is written as to whether or not they took <i>Dramamine</i> to cure their seasickness but it is presumed they did. For those who didn't, it's presumed they vomited the entire trip. <br />
<br />
Then, all of a sudden, on October 1st, 1620 (like I said, this was many centuries ago) land was spotted. Actually, land wasn't spotted on this day, it was just one of the lookouts playing a joke on everyone. They did not take kindly to this and threw the lookout to the sharks. This was one of the only casualties of the voyage. Eventually, on November 10th, 1620, land actually was spotted and The Pilgrims were overjoyed. Unfortunately, they couldn't find a decent place to dock the ship and had to wait another ten days before they docked at what is now known as Provincetown Harbor. <br />
<br />
It should be briefly mentioned that they carved the date into a rock (Plymouth Rock) to signify their landing. This was not actually anything special - just a form of 17th century graffiti. The descendants of these rock carvers are still hard at work on bridges and overpasses all over the country and most predominantly in areas dominated by gang activity and trailer parks.<br />
<br />
They eventually made contact with the Native American tribes in the area and began the time-honored American tradition of taking the Native America peoples' land and basically screwing them over. The tradition continues to this day in various different types of formats. <br />
<br />
Despite the sociological and personality differences between the Native Americans and The Pilgrims, they managed to get along fairly well at first. After The Pilgrims had been there for about a year and had mostly died from disease and starvation, they decided to have a harvest festival to celebrate their survival. Well, those who didn't die were celebrating, the dead didn't have much to celebrate about. <br />
<br />
Though the date of this first harvest festival is highly debated, it began what is probably now one of the most highly celebrated American traditions - eating like a fat, gluttonous slob.<br />
<br />
And that is the story of Thanksgiving. Happy Turkey Day!</div>

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			<dc:creator>GCSTroop</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11057-story-thanksgiving.html</guid>
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			<title>Collected Conversations</title>
			<link>http://www.city-data.com/blogs/blog11051-collected-conversations.html</link>
			<pubDate>Fri, 20 Nov 2009 22:17:41 GMT</pubDate>
			<description><![CDATA[Palins in the Kitchen: Get on the Bus! 
 
Sarah: Todd! 
Sarah: Todd!!!!! 
Sarah: Where's Todd? 
Handler: He's back in Alaska 
Sarah: Why? 
Handler: well, he's taking care of the kids 
Sarah: why?...]]></description>
			<content:encoded><![CDATA[<div>Palins in the Kitchen: Get on the Bus!<br />
<br />
Sarah: Todd!<br />
Sarah: Todd!!!!!<br />
Sarah: Where's Todd?<br />
Handler: He's back in Alaska<br />
Sarah: Why?<br />
Handler: well, he's taking care of the kids<br />
Sarah: why?<br />
Handler: Sarah, are you sure you don't want to keep signing books?<br />
Sarah: Why? listen to them! They're shouting my name!!!! Sar-ah Sar-ah!!!!! They love me here in ... ummmm ... where am I again?<br />
Handler: hold on, let me see ... Noblesville?<br />
Sarah: Where's that? are we still in michigan?<br />
Handler: no, we're in Indiana now<br />
Sarah: Where's Indiana? oh wait ... you mean Indianapolis ... the place where they have that car race ... we're in the state of Indianapolis.<br />
Handler: no, sarah, indiana<br />
Sarah: and who are you again? do you enjoy your job???<br />
handler: ok, yea, sorry. We're in Noblesville, Indianapolis<br />
Sarah: Hey, I need to read Newsmax ... where's a computer.<br />
Handler: I have a copy of the local newspaper here and a Wall Street journal<br />
Sarah: no, no, no, I want Newsmax!<br />
Handler: ok ok .... here's a laptop<br />
Sarah: ok ... and?<br />
Handler: what?<br />
Sarah: Where's Newsmax?<br />
handler: what?<br />
Sarah; It's a blank screen .... where's Newsmax!<br />
Handler: turn on the laptop<br />
Sarah: Me?<br />
handler: you want me to do it<br />
Sarah &lt;peering over her glasses&gt;<br />
Handler: you've got to be kidding me! Let me off this bus!!!!</div>

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			<dc:creator>domergurl</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11051-collected-conversations.html</guid>
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			<title><![CDATA[Mortgage Rates Hold Steady, Lock'em If You Got'em]]></title>
			<link>http://www.city-data.com/blogs/blog11047-mortgage-rates-hold-steady-lockem-if.html</link>
			<pubDate>Fri, 20 Nov 2009 14:28:29 GMT</pubDate>
			<description>The trading in the fixed income sector was very slow and boring yesterday. Mortgage backed securities moved in a very tight range which kept mortgage rates unchanged on the day. Unlike Wednesday, the...</description>
			<content:encoded><![CDATA[<div>The trading in the fixed income sector was very slow and boring yesterday. Mortgage backed securities moved in a very tight range which kept mortgage rates unchanged on the day. Unlike Wednesday, the economic data wasn’t the friendliest for the fixed income sector; however, weakness in the stock market helped to keep MBS near the top of the trading range which has kept rates near six month lows. <br />
 <br />
The Treasury Department announced yesterday a new supply of 2 year, 5 year and 7 year notes which will be auctioned next week. On Monday, $44billion of 2 year notes will be auctioned to the highest bidders followed by $42billion of 5 year notes on Tuesday and $32billion of 7 year notes on Wednesday. The added supply of debt on the markets will pressure treasury prices to fall to attract buyers. As the price of treasuries fall, the yield moves higher which could pressure mortgage rates higher. So far this year, despite record amounts of government borrowing, demand for our nation’s debt remains strong which is one of the many factors that have attributed to record low mortgage rates. <br />
 <br />
There is no scheduled release of any economic data today. <br />
 <br />
Reports from fellow mortgage professionals indicate mortgage rates to be unchanged from yesterday. The par 30 year conventional rate mortgage continues to hold in the 4.625% to 4.875% range for well qualified consumers. To secure a par interest rate you must have a FICO credit score of 740 or higher, a loan to value at 80% or less and pay all closing costs including an estimated one point loan origination/discount/broker fee. As always, you can elect to pay less in closing costs and secure a higher interest rate or pay additional discount points to buy the rate down further. <br />
 <br />
Next week we do have some impacting reports hitting. Tuesday we get GDP and Consumer Confidence. Wednesday brings us Durable Goods Orders, Personal Income and Outlays, Jobless Claims, Consumer Sentiment and New Home Sales. All markets are closed on Thursday and Friday they will close early. <br />
 <br />
My lock bias is still in effect. If you are still floating it is time to take advantage of the rates we have this morning. Next week we do have some high impacting reports that can move the markets but it is a shortened holiday week. As Thanksgiving approaches and the markets are closed, lenders tend to get more conservative on their pricing. <br />
 <br />
Hope everyone has a wonderful weekend.</div>

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			<dc:creator>VictorBurek</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11047-mortgage-rates-hold-steady-lockem-if.html</guid>
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			<title>Thursday - November 19, 2009`s - Historical Climate Facts !</title>
			<link>http://www.city-data.com/blogs/blog11043-thursday-november-19-2009-s-historical.html</link>
			<pubDate>Fri, 20 Nov 2009 11:03:49 GMT</pubDate>
			<description>*In 2009 : 
Lo : 37 °    
**Hi : 63 °   
Rainfall : 0.00  “* 
 
*In 2008 : 
Lo : 20 °      
Hi : 56 °      
Rainfall : 0.00 ” *</description>
			<content:encoded><![CDATA[<div><b>In 2009 :<br />
Lo : 37 °   <br />
</b><b>Hi : 63 °  <br />
Rainfall : 0.00  “</b><br />
<br />
<b>In 2008 :<br />
Lo : 20 °     <br />
Hi : 56 °     <br />
Rainfall : 0.00 ” </b><br />
 <br />
<b>In 2007 :<br />
Lo : 58 °       <br />
Hi : 75 °   <br />
Rainfall : 0.00 “  </b><br />
<br />
<b>In 2006 :<br />
Lo : 37 °       <br />
Hi : 46 °  <br />
Rainfall : 0.00 “</b><br />
 <br />
<b>In 2005 :<br />
Lo : 23 °  </b><b>     <br />
Hi : 54 °     <br />
Rainfall : 0.00 ”</b><br />
 <br />
<b>In 2004 :<br />
Lo : 54 °    <br />
Hi : 60 °    <br />
Rainfall : 0.00 “ :)</b></div>

]]></content:encoded>
			<dc:creator>WilliamBrantley</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11043-thursday-november-19-2009-s-historical.html</guid>
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			<title>New Members - Pls Read! From Blogs Moderator :)</title>
			<link>http://www.city-data.com/blogs/blog11040-new-members-pls-read-blogs-moderator.html</link>
			<pubDate>Fri, 20 Nov 2009 04:40:26 GMT</pubDate>
			<description>MAIN FORUM PAGE (http://www.city-data.com/forum/http://www.city-data.com/blogs/feed.rss#general-forums)- 
  
Post your question(s) on the main forums rather than the less populated journaling blogs for better results and more feedback. 
 ...</description>
			<content:encoded><![CDATA[<div><a href="http://www.city-data.com/forum/http://www.city-data.com/blogs/feed.rss#general-forums" target="_blank"><font color="#800080">MAIN FORUM PAGE</font></a>-<br />
 <br />
Post your question(s) on the main forums rather than the less populated journaling blogs for better results and more feedback.<br />
 <br />
If you have any questions, click on my name and select private direct message. Do not reply to your own blogs as I may not see it for days.<br />
 <br />
Check out the Business Profile section. You can locate this from the Home Page on the bottom of the screen if you are advertising your personal business.<br />
 <br />
 <br />
For private individuals, you may use the CLASSIFIED forum for one time deal sales, single item.<br />
 <br />
To search for family members - use the PEOPLE SEARCH forum.<br />
 <br />
Before you post in the BLOGS, read the main forums. There is abundance of information and activity on all of the main forums.<br />
 <br />
The blogs are for journaling private thoughts and less populated. OK? :ok:</div>

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			<dc:creator>2goldens</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11040-new-members-pls-read-blogs-moderator.html</guid>
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			<title>Pocono Country Place</title>
			<link>http://www.city-data.com/blogs/blog11038-pocono-country-place.html</link>
			<pubDate>Fri, 20 Nov 2009 04:23:00 GMT</pubDate>
			<description>A Pocono Country Place, which is the name of a large community in Tobyhanna, PA, has been unfairly maligned by false reports of rampant crime and gangs. In a small media market like the Poconos, the...</description>
			<content:encoded><![CDATA[<div>A Pocono Country Place, which is the name of a large community in Tobyhanna, PA, has been unfairly maligned by false reports of rampant crime and gangs. In a small media market like the Poconos, the occassional instance that something does happen is the only thing that is newsworthy here. The occassional drug deal or the one shooting that had happened in a huge community of over 5000 homes, wouldn't even make news anywhere else. <br />
I have sold many homes to my buyer clients and they are very happy there and have now lived there for several years. But don't just take my word for it. I will be more than happy to introduce you to some of them and show you around. That is why I am one of the top Realtors in the Poconos, and I build communities, not sell homes. I help people make an informed decision to buy a home they want and need. A Pocono Country Place is a nice, quiet community where you can enjoy lakes, beaches, playgrounds and other activities and you are close to all major Pocono attractions. Sure there are some unhappy people, but I can guarantee you that there are more happy people than unhappy people and I can prove it. So if you want to see for yourself what the community is all about, call me at 570-242-0299 or 570-629-6100 today. For more on myself, a full search of Pocono homes, community and school profiles and more, visit <a href="http://www.YourPoconoHome.net" target="_blank">www.YourPoconoHome.net</a>.</div>

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			<dc:creator>JasonFeinman</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11038-pocono-country-place.html</guid>
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			<title><![CDATA[Daniel's Vision]]></title>
			<link>http://www.city-data.com/blogs/blog11033-daniels-vision.html</link>
			<pubDate>Thu, 19 Nov 2009 18:09:38 GMT</pubDate>
			<description><![CDATA[*DANIEL 7:13-14 "In my vision at night I looked, and there before me was one like a son of man, coming with the clouds of heaven. He approached the Ancient of Days and was led into his presence.14 He...]]></description>
			<content:encoded><![CDATA[<div><font color="Navy"><b><i>DANIEL 7:13-14 &quot;In my vision at night I looked, and there before me was one like a son of man, coming with the clouds of heaven. He approached the Ancient of Days and was led into his presence.14 He was given authority, glory and sovereign power; all peoples, nations and men of every language worshiped him. His dominion is an everlasting dominion that will not pass away, and his kingdom is one that will never be destroyed.</i>  Daniel was one of the people taken into captivity by King Nebuchadnezzer of Babylon, when by the will of God, he conquered Jerusalem. In Babylon Daniel had many adventures such as becoming the well known Daniel in the lion's den, and his friends became the men in the fiery furnace. God sent Daniel a vision where he saw the coming Savior Jesus Christ, about six hundred years before Christ came to save us from our sins. These scripture verses show us that God planned to send his Son to be our Savior long ago in old testament times. The Bible teaches that God's offer of salvation is for all people, and faith in Jesus is the only way to salvation that he will accept.</b></font></div>

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			<dc:creator>snowduck</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11033-daniels-vision.html</guid>
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			<title><![CDATA[You're Invited!  All of LI is invited to Sayville's Miracle on Main St. Event 11/28/09]]></title>
			<link>http://www.city-data.com/blogs/blog11031-youre-invited-all-li-invited-sayvilles.html</link>
			<pubDate>Thu, 19 Nov 2009 17:23:31 GMT</pubDate>
			<description><![CDATA[You're Invited!  
Miracle on Main Street  
Sayville, NY  
an event brought to you by the Greater Sayville Chamber of Commerce  
  
WHERE: Downtown Sayville, Main St. & South Main St. (Montauk Hwy) 
 ...]]></description>
			<content:encoded><![CDATA[<div>You're Invited! <br />
<font color="darkred"><font color="#cc0000">Miracle on Main Street </font><br />
<font color="#cc0000">Sayville, NY </font><br />
<font color="#006633">an event brought to you by the Greater Sayville Chamber of Commerce</font> <br />
 <br />
<font color="red">WHERE: Downtown Sayville, Main St. &amp; South Main St. (Montauk Hwy)</font><br />
 <br />
<font color="red">WHEN: Saturday, November 28, 2009 5pm-9pm</font><br />
 <br />
<font color="seagreen">Come to Sayville and experience a classic holiday celebration! The day begins with a morning parade down Main Street with Santa! Late afternoon the main event unfolds, with all the charm of yesteryear... </font><br />
 <br />
<font color="seagreen">Visitors<b> meet and take a free photo with Santa</b> as they marvel at our spectacular <b>live reindeer </b>herd on exhibit. Enter or view the <b>Gingerbread Competition</b>! Not just houses, the creations get more elaborate each year... Help us count down at the <b>Tree Lighting</b>... Children enjoy <b>free Carousel Rides </b>all night! Sit on hay bales and watch free <b>Holiday Movies </b>play on outdoor screens all through town - a real hometown touch. </font><br />
 <br />
<font color="seagreen">See live performances by <b>The American Dance Theater of LI</b>, Sayville's own <b>St. John's Handbell Choir</b>, <b>Miles to Dayton</b>, and the <b>Bel Airs</b>, who present a Rocking Christmas Concert. This family event gets better each year!</font><br />
 <br />
<font color="#2e8b57">F</font><font color="red"><font color="seagreen">ree Admission, Free Parking</font> </font><br />
 <br />
<font color="red">For more info go to: <a href="http://www.sayvillechamber.com" target="_blank">www.sayvillechamber.com</a></font></font></div>

]]></content:encoded>
			<dc:creator>iloveli</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11031-youre-invited-all-li-invited-sayvilles.html</guid>
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			<title><![CDATA[Penderbrook Townhomes and Condos Weekly Sales Report Fairfax VA Townhome & Condo Real Estate]]></title>
			<link>http://www.city-data.com/blogs/blog11029-penderbrook-townhomes-condos-weekly-sales-report.html</link>
			<pubDate>Thu, 19 Nov 2009 16:08:21 GMT</pubDate>
			<description>*My PenderbrookHome.com (http://www.mypenderbrookhome.com/)*  
 
Relevant Real Estate Information for the Penderbrook Community of Townhomes and Condos in Fairfax, VA  
 
*INTRODUCTION*  
 
We are...</description>
			<content:encoded><![CDATA[<div><b><a href="http://www.mypenderbrookhome.com/" target="_blank"><font color="#0066cc">My PenderbrookHome.com</font></a></b> <br />
<br />
Relevant Real Estate Information for the Penderbrook Community of Townhomes and Condos in Fairfax, VA <br />
<br />
<b>INTRODUCTION</b> <br />
<br />
We are your neighborhood specialist. <br />
<br />
We had 5 new listings this week and 4 homes that sold. Our short sale listing in Penderbrook Square went under contract in 3 days !! <br />
<br />
There is still alot of activity at Penderbrook. The TH are still overpriced but a few are starting to come down to market level. The new condo conversions are surprising in that they are selling for a lot more than they should, you can buy the same condo for 40k less. I dont know why anyone would want to pay more. But people are still doing it. The smaller TH are selling quickly and the Heights of Penderbrook. <br />
<br />
We are continuing to help those whose home is below market value. They either cant afford their payments anymore, need to move, or just want to go back to renting. Contact us today to see what the best option for you is. <br />
<br />
If you have any questions or would like to find out how much your home would sell for right now <br />
<a href="mailto:natejohnson@kw.com"><font color="#0066cc">Contact me </font></a><br />
<br />
<b>As of today (November 19, 2009 11 AM)</b> there are <a href="http://mrislistings.mris.com/Matrix/Public/Portal.aspx?k=1249978XCU1A&amp;p=DE-95067213-84" target="_blank"><font color="#0066cc">22 active homes </font></a>in Penderbrook and 18 homes that are currently under contract and 4 homes that have sold in the last 30 days. <br />
<br />
Here’s the breakdown of all active listings in MLS: <br />
<br />
<b>Townhomes-</b> 5 active <br />
<br />
5 regular sales <br />
<br />
<br />
<b>Condos -</b> 17 active <br />
<br />
1 bedroom condos - 4 <br />
<br />
2 bedroom condos - 9 <br />
<br />
3 bedroom condos - 4 <br />
<br />
Heights at Penderbrook (Condo/Townhome) - 8 condos <br />
Penderbrook Square (Condos)- 9 condos <br />
<br />
<br />
<b>NEW LISTINGS</b> <br />
<br />
According to MLS, there were 5 new listings this week. <br />
<br />
<br />
<b>UNDER CONTRACT</b> <br />
<br />
According to MLS, there are 14 Condos and 4 townhomes under contract. <br />
<br />
<b>Condos</b> <br />
<br />
12151 Penderview Ln #2027 - 1bd/1ba (638 DOMP) <br />
<br />
3921 Penderview Dr #1805 - 1bd/1ba (3 DOMP) <br />
<br />
3909 Penderview Dr #1932 - 1bd/ 1ba (9 DOMP) <br />
<br />
3912 Penderview Dr #538 - 1bd/1ba (63 DOMP) <br />
<br />
3903 Penderview Dr #1506 - 1bd/1ba (59 DOMP) <br />
<br />
3904 Penderview Dr #735 - 1bd/1ba (15 DOMP) <br />
<br />
3911 Penderview Dr #1905 - 2bd/1ba (57 DOMP) <br />
<br />
3807 Green Ridge Ct #102 - 3bd/2ba (6 DOMP) <br />
<br />
3904 Penderview Dr #708 -2bd/2ba (11 DOMP) <br />
<br />
12005 Ridge Knoll Dr #2 - 2bd/2ba (6 DOMP) <br />
<br />
12103 Green Ledge Ct #201 - 3bd/2ba (310 DOMP) <br />
<br />
12104 Greenwood Ct #101 - 3bd/2ba (171 DOMP) <br />
<br />
12005 Ridge Knoll Dr #12 - 2bd/3ba (4 DOMP) <br />
3807 Green Ridge Ct #304 - 3bd/2ba (11 DOMP) <br />
<br />
<br />
<b>Townhomes</b> <br />
<br />
12138 Wedgeway Ct - 2bd/4ba (15 DOMP) <br />
<br />
11728 Valley Ridge Cir - 4bd/4ba (40 DOMP) <br />
<br />
3932 Valley Ridge Dr -3bd/3ba (11 DOMP) <br />
<br />
3957 Valley Ridge Dr -3bd/3ba (73 DOMP) <br />
<br />
<br />
<b>I will have the final numbers for these once they close <br />
</b><br />
<br />
<b>SOLD</b> <br />
<br />
According to MLS, 4 homes have sold in the last 30 days . <br />
<br />
12156 Penderview Ter #120 1bd/1ba (0 DOMP) - <b>New Home</b><br />
Asking Price -$174,900 <br />
Sales Price-$170,000 <br />
Seller Subsidy -$7,307 <br />
<br />
12101 Greenwood Ct #102 - 2bd/ 2ba (5 DOMP) - <b>Regular Sale</b> <br />
Asking Price -$225,000 <br />
Sales Price -$230,000 <br />
Seller Subsidy -$8,000 <br />
<br />
3923 Green Look Ct - 3bd/3ba (153 DOMP) - <b>Regular Sale</b><br />
Asking Price -$439,250 <br />
Sales Price -$399,950 <br />
Seller Subsidy -$5,000 <br />
<br />
3914 Penderview Dr #504 - 2bd/1ba (148 DOMP) - <b>Regular Sale</b><br />
Asking Price-$239,900 <br />
Sales Price-$230,000 <br />
Seller Subsidy-0<br />
12003# 7 Ridge Knoll Dr - 2bd / 2ba (6 DOMP) - <b>Regular Sale</b><br />
Asking Price - $249,900 <br />
Sales Price -$260,000 <br />
Seller Subsidy- $0 <br />
<br />
3940 Valley Ridge Dr - 3bd/3ba (8 DOMP) - <b>Regular Sale</b> <br />
<br />
Asking Price - $380,000 <br />
Sales Price - $380,000 <br />
Seller Subsidy- $1,500 <br />
<br />
12103 Greenwood Ct #101 - 2bd/2ba (12 DOMP) - <b>Regular Sale</b> <br />
<br />
Asking Price - $231,187 <br />
Sales Price -$231,187 <br />
Seller Subsidy -$0 <br />
<br />
3911 Penderview Dr #1907 - 1bd/1ba (62 DOMP) - <b>Short Sale - Took 5 months to close</b> <br />
<br />
Asking Price - $130,000 <br />
Sales Price - $127,000 <br />
Seller Subsidy - $2,775 <br />
<br />
12102 Greenway Ct #202 - 2bd/2ba (0 DOMP) - <b>Regular Sale</b> <br />
<br />
Asking Price - $219,000 <br />
Sales Price -$219,000 <br />
Seller Subsidy - $5,000 <br />
<br />
3900 Golf Tee Ct #201 - 3bd/2ba (9 DOMP) - <b>Regular Sale</b> <br />
<br />
Asking Price -$249,500 <br />
Sales Price -$255,000 <br />
Seller Subsidy - $7,650 <br />
<br />
12009 Golf Ridge Ct #302 - 2bd/2ba (36 DOMP) - <b>Regular Sale</b> <br />
<br />
Asking Price - $274,000 <br />
Sales Price -$255,000 <br />
Seller Subsidy -$9,000 <br />
<br />
3921 Penderview Dr #1806 - 1bd/1ba (286 DOMP) <b>Short Sale - Took 286 days</b> <br />
<br />
Asking Price - $187,900 <br />
Sales Price - $147,500 <br />
Seller Subsidy - $4,355 <br />
<br />
3814 Inverness Rd - 3bd/4ba (24 DOMP) <b>Regular Sale</b> <br />
<br />
Asking Price - $449,000 <br />
Sales Price - $434,977 <br />
Seller Subsidy -$10,000 <br />
<br />
3971 Valley Ridge Dr - 3bd/3ba (63 DOMP) <b>Regular Sale</b> <br />
<br />
Asking Price - $439,900 <br />
Sales Price - $402,000 <br />
Seller Subsidy -$2,000 <br />
<br />
<br />
<br />
<b>Click below for Penderbrook Home Sales for 2009 <br />
</b><a href="http://penderbrookhomes.blogspot.com/search/label/Penderbrook%20Home%20Sales%20For%202009" target="_blank"><font color="#0066cc"><b>More Than 30 Days ago</b> <br />
</font></a><br />
<br />
<b>22033</b> <br />
<br />
These stats are for all real estate in the 22033 zip code for the Month of <b>August</b> <br />
<br />
<a href="http://1.bp.blogspot.com/_NX5dpEfltYM/Sq-pHE5HFCI/AAAAAAAAALk/CFfB9wU8LEU/s1600-h/Untitled.jpg" target="_blank"><img src="http://1.bp.blogspot.com/_NX5dpEfltYM/Sq-pHE5HFCI/AAAAAAAAALk/CFfB9wU8LEU/s400/Untitled.jpg" border="0" alt="" /></a> <br />
<br />
Penderbrook Home Sales 2008 vs. 2009 <br />
<br />
<a href="http://4.bp.blogspot.com/_NX5dpEfltYM/Sst0P7vXDXI/AAAAAAAAAL8/a1kauqJ7j6Y/s1600-h/p09.jpg" target="_blank"><img src="http://4.bp.blogspot.com/_NX5dpEfltYM/Sst0P7vXDXI/AAAAAAAAAL8/a1kauqJ7j6Y/s400/p09.jpg" border="0" alt="" /></a> <br />
<br />
<br />
Fairfax Condos Sold for 2007 vs. 2008 vs. 2009 <br />
<br />
<a href="http://4.bp.blogspot.com/_NX5dpEfltYM/Sst27HG-7GI/AAAAAAAAAMM/ovlIeLYIgG8/s1600-h/fc09.jpg" target="_blank"><img src="http://4.bp.blogspot.com/_NX5dpEfltYM/Sst27HG-7GI/AAAAAAAAAMM/ovlIeLYIgG8/s400/fc09.jpg" border="0" alt="" /></a> <br />
<br />
<br />
Fairfax Townhomes Sold for 2007 vs 2008 vs 2009 <br />
<br />
<a href="http://2.bp.blogspot.com/_NX5dpEfltYM/Sst1qAQM8mI/AAAAAAAAAME/k6fH97V1K-A/s1600-h/p09.jpg" target="_blank"><img src="http://2.bp.blogspot.com/_NX5dpEfltYM/Sst1qAQM8mI/AAAAAAAAAME/k6fH97V1K-A/s400/p09.jpg" border="0" alt="" /></a> <br />
<br />
<br />
<b>EXPIRED or WITHDRAWN </b><br />
<br />
There has been 1 listings that have been taken off the market in the last 30 days. <br />
<br />
<br />
<b>RENTALS </b><br />
<br />
There is currently 4 townhomes for rent and 8 condos <br />
<br />
5 townhomes and 3 condos have been rented out in the past month. <br />
<br />
If you need any help finding a rental or listing your condo for rent, please <a href="mailto:natejohnson@kw.com"><font color="#0066cc">contact us. </font></a><br />
<br />
We will take care of all the work for you and do background checks on the applicants to make sure they are qualified. We also partner with a Property Management group that only charges 8%. They manage over 200 properties in the VA and MD area and are excellent. Ask us about this. <br />
<br />
<br />
<b>OBSERVATIONS</b> <br />
<br />
If you are thining about buying in the next 3 months you need to <a href="mailto:natejohnson@kw.com"><font color="#0066cc">Contact us today ! </font></a><br />
<br />
<br />
Keep checking back each Thursday for more insight to what is going on at Penderbrook. <br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
Disclaimer: Information was gathered from the MLS and is deemed reliable but not guaranteed.</div>

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			<dc:creator>VAReelEstate</dc:creator>
			<guid isPermaLink="true">http://www.city-data.com/blogs/blog11029-penderbrook-townhomes-condos-weekly-sales-report.html</guid>
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			<title>Mortgage Rates are Unable to Improve Further</title>
			<link>http://www.city-data.com/blogs/blog11028-mortgage-rates-unable-improve-further.html</link>
			<pubDate>Thu, 19 Nov 2009 15:36:35 GMT</pubDate>
			<description>Yesterday’s trading action in the mortgage backed securities market was pretty similar to what we had the day before. Early morning weakness, followed by a move higher mid day only to move back lower...</description>
			<content:encoded><![CDATA[<div>Yesterday’s trading action in the mortgage backed securities market was pretty similar to what we had the day before. Early morning weakness, followed by a move higher mid day only to move back lower by the close. The economic data yesterday was fairly positive for the fixed income sector which helped spark the move higher but profit takers stepped in which kept mortgage rates unchanged on the day. With the year end fast approaching, market participants will look to cash in profits at any opportunity to make balance sheets look better. <br />
 <br />
This morning the Department of Labor released the weekly unemployment claims. This data totals the number of Americans that filed for first time unemployment benefits in the prior week. Included within this report is the continuing claims which totals the number of Americans that continue to file for benefits due to a lack of finding a new job. Recent reports have shown both initial and continuing claims to be moving lower; unfortunately the improvement is being more attributed to the expiration of benefits rather than new hiring.<br />
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The report shows that both initial and continuing claims came in right on expectations and basically unchanged from the prior week. First time claims for the week ending Nov. 14 stands at 505,000 while the continuing claims fell 39,000 to 5.61million. It appears that layoffs are decreasing but it is still difficult to find a new job as was indicated by the increase in the number of Americans receiving extended benefits which rose 119,000 to 4.16million. President Obama on Nov. 6 signed into law a plan that extends unemployment benefits for jobless people for as many as 20 additional weeks. <br />
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Next out this morning is data on the strength of manufacturing conditions in the Philly region known as the Philadelphia Fed Survey. Basically, this report shows us how busy the manufacturing sector will be and where it is headed. Readings above 0 indicate a growing sector while readings below 0 indicate contraction. Recent readings have shown the manufacturing sector improving with the survey breaking above and holding over 0 since August of this year. Economists surveyed for this month’s report expect that trend to continue with the index moving from 11.5 last month to 12.0. The release shows that conditions around the Philly region continue to improve with the survey jumping much higher to 16.7.<br />
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The final report of the day and week, no data tomorrow, is the Leading Indicators report which comes from the Conference Board. This data is a composite index of ten economic indicators that should lead overall economic activity. Most of the components of this report have already been released so this data generally doesn’t have much effect on the markets. Last month’s report jumped 1% for the sixth gain in a row and economists surveyed expect a 0.4% increase with this month’s report. The release shows a smaller gain than expected at 0.3%.<br />
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Currently, Treasury Secretary Tim Geithner is testifying on Capitol Hill on financial reform. As always, market participants will pay attention to what he has to say regarding the economy. His testimony can move the markets. <br />
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Following the release of all scheduled data, the stock market is posting substantially losses while MBS hold near unchanged levels. If stocks continue to move lower, the fixed income sector could receive some inflows of cash which could possibly improve lender rate sheets later in the day. If you currently are not locked, float intraday but strongly consider locking later today. <br />
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Reports from fellow mortgage professionals indicates that mortgage rates are unchanged from yesterday. The par 30 year conventional rate mortgage remains in the 4.625% to 4.875% range for well qualified consumers. To secure the par interest rate you must have a FICO credit score of 740 or higher, a loan to value at 80% or less and pay all closing costs including an estimated one point loan origination/discount/broker fee. If you are seeking a 15 year term, you should expect a par rate in the 4.125% to 4.375% range with similar costs. <br />
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A petition was submitted to New York’s Attorney General Andrew Cuomo yesterday asking that the Home Valuation Code of Conduct be eliminated. This new law has dramatically changed the way appraisals are ordered. Many believe, myself included, that is has gone too far and has negatively impacted the consumer. First, it has increased the cost of appraisals because appraisers must work for a Appraisal Management Company. Instead of the appraiser earning the entire fee for performing the appraisal, they must split the fee with the AMC thus the increased price for appraisals. Next, it has extended the time period for closing. With the start of HVCC, I have seen the time from ordering an appraisal to the report being submitted extend by well over a week. This delay in getting the appraisal has led to some locks expiring or closing dates missed causing the homeowner additional fees. Finally, since appraisers are earning far less per appraisal they want to perform as many as possible. This has led to many appraisals being done by appraisers that must travel a considerable distance to the subject property. If the appraiser is not familiar with the subject property’s area, many believe they will not be able to provide the best comparables and a fair opinion of value.<br />
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What is your opinion of HVCC and do you think it will be eliminated?</div>

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			<dc:creator>VictorBurek</dc:creator>
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			<title>New Members - pls read - from BLOGS Moderator</title>
			<link>http://www.city-data.com/blogs/blog11026-new-members-pls-read-blogs-moderator.html</link>
			<pubDate>Thu, 19 Nov 2009 11:11:05 GMT</pubDate>
			<description>MAIN FORUM PAGE (http://www.city-data.com/forum/http://www.city-data.com/blogs/feed.rss#general-forums)- 
  
Post your question(s) on the main forums rather than the less populated journaling blogs for better results and more feedback. 
 ...</description>
			<content:encoded><![CDATA[<div><a href="http://www.city-data.com/forum/http://www.city-data.com/blogs/feed.rss#general-forums" target="_blank"><font color="#800080">MAIN FORUM PAGE</font></a>-<br />
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Post your question(s) on the main forums rather than the less populated journaling blogs for better results and more feedback.<br />
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If you have any questions, click on my name and select private direct message. Do not reply to your own blogs as I may not see it for days.<br />
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Check out the Business Profile section. You can locate this from the Home Page on the bottom of the screen if you are advertising your personal business.<br />
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For private individuals, you may use the CLASSIFIED forum for one time deal sales, single item.<br />
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To search for family members - use the PEOPLE SEARCH forum.<br />
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Before you post in the BLOGS, read the main forums. There is abundance of information and activity on all of the main forums.<br />
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The blogs are for journaling private thoughts and less populated. OK? :ok:</div>

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			<dc:creator>2goldens</dc:creator>
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