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	<title>Realty World - Friend &#38; Associates</title>
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	<link>http://rwfriend.com</link>
	<description>Serving you since 2010</description>
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		<title>Find Out What You Are Missing! Get a Home Inspection</title>
		<link>http://reinfoblog.com/2012/01/19/find-out-what-you-are-missing-get-a-home-inspection/</link>
		<comments>http://reinfoblog.com/2012/01/19/find-out-what-you-are-missing-get-a-home-inspection/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 22:31:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[homeinspection]]></category>
		<category><![CDATA[Inspection]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Sales]]></category>
		<category><![CDATA[United States]]></category>

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		<description><![CDATA[Getting Inspections When you are buying a home, it is vital to get your home inspected. Inspections can uncover flaws in the home or hidden hazards that can cost you thousands of dollars later on, and be a safety hazard for your family. In the beginning of a real estate purchase transaction, you, as the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Does Your Agent Have a Good Internet Marketing Plan to Sell Your Home?</title>
		<link>http://reinfoblog.com/2012/01/16/does-your-agent-have-a-good-internet-marketing-plan-to-sell-your-home/</link>
		<comments>http://reinfoblog.com/2012/01/16/does-your-agent-have-a-good-internet-marketing-plan-to-sell-your-home/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 23:24:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Buyer]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[Marketing plan]]></category>
		<category><![CDATA[Multiple Listing Service]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Real estate broker/agent]]></category>
		<category><![CDATA[Selling]]></category>
		<category><![CDATA[Website]]></category>

		<guid isPermaLink="false">http://rwfriend.com/2012/01/16/does-your-agent-have-a-good-internet-marketing-plan-to-sell-your-home/</guid>
		<description><![CDATA[When Selling Your Home, Have a Strong Internet Marketing Plan Over 90% of home buyers today, use the internet to help search for a home.  People will spend a great deal of time researching a home on line before ever actually going to see it.  If you are selling your home, or thinking about selling [...]]]></description>
		<wfw:commentRss>http://reinfoblog.com/2012/01/16/does-your-agent-have-a-good-internet-marketing-plan-to-sell-your-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Protect Your Investment in Your Home</title>
		<link>http://reinfoblog.com/2012/01/12/359/</link>
		<comments>http://reinfoblog.com/2012/01/12/359/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 22:22:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Carbon monoxide detector]]></category>
		<category><![CDATA[Construction and Maintenance]]></category>
		<category><![CDATA[Furnace]]></category>
		<category><![CDATA[Home improvement]]></category>
		<category><![CDATA[Materials and Supplies]]></category>
		<category><![CDATA[Rain gutter]]></category>
		<category><![CDATA[Water damage]]></category>

		<guid isPermaLink="false">http://rwfriend.com/2012/01/12/protect-your-investment-in-your-home/</guid>
		<description><![CDATA[Winterize Your Home Now that winter has begun, it is very important to have some routine maintenance done on your home.  A home must be constantly cared for or it will begin to break down.  If you discover potential problems early, this can save you thousands of dollars in repairs and protect your investment. 1-Get [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Home Loans with ‘No Fee’ A Bargain?  Maybe Not</title>
		<link>http://reinfoblog.com/2012/01/08/home-loans-with-no-fee-a-bargain-maybe-not/</link>
		<comments>http://reinfoblog.com/2012/01/08/home-loans-with-no-fee-a-bargain-maybe-not/#comments</comments>
		<pubDate>Sun, 08 Jan 2012 22:16:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Current account]]></category>
		<category><![CDATA[Fee]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Home equity loan]]></category>
		<category><![CDATA[Home improvement]]></category>
		<category><![CDATA[HSBC]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Savings account]]></category>
		<category><![CDATA[Unsecured debt]]></category>

		<guid isPermaLink="false">http://rwfriend.com/2012/01/08/home-loans-with-%e2%80%98no-fee%e2%80%99-a-bargain-maybe-not/</guid>
		<description><![CDATA[Long term savings on your Home Loan When getting a home loan, everybody wants to get the best bargain. For a lot people, that means getting the lowest interest rate at no cost. But this is not always the best bargain for the borrower. Many times a home owner will take that option and find [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>The ‘SUPER COMMITTEE’ . . .not so super</title>
		<link>http://reinfoblog.com/2011/11/21/the-super-committee-not-so-super/</link>
		<comments>http://reinfoblog.com/2011/11/21/the-super-committee-not-so-super/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 04:21:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Committee]]></category>
		<category><![CDATA[Democratic Party (United States)]]></category>
		<category><![CDATA[Newt Gingrich]]></category>
		<category><![CDATA[Republican]]></category>
		<category><![CDATA[Senate]]></category>
		<category><![CDATA[Thanksgiving]]></category>
		<category><![CDATA[United States]]></category>
		<category><![CDATA[Washington]]></category>

		<guid isPermaLink="false">http://rwfriend.com/2011/11/21/the-%e2%80%98super-committee%e2%80%99-not-so-super/</guid>
		<description><![CDATA[So today it was announced that the “Super Committee”- a team made up of equal members of the House and from the Senate and equal in Democrats and Republicans- isn’t going to resolve anything about our nation’s debt by the Thanksgiving deadline. Hey!&#8230;There’s a surprise! Our legislators have dropped the ball again. I think Republican [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Save Money When Getting A Mortgage Part 3</title>
		<link>http://reinfoblog.com/2011/11/08/how-to-save-money-when-getting-a-mortgage-part-3-2/</link>
		<comments>http://reinfoblog.com/2011/11/08/how-to-save-money-when-getting-a-mortgage-part-3-2/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 18:40:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credit score]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[GFE]]></category>
		<category><![CDATA[Good faith estimate]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage broker]]></category>
		<category><![CDATA[Real estate]]></category>

		<guid isPermaLink="false">http://rwfriend.com/2011/11/08/how-to-save-money-when-getting-a-mortgage-part-3/</guid>
		<description><![CDATA[Alright, we are continuing here with data on mortgages and the ins and outs of how they really work.  I would encourage you to read Parts 1 and 2 so you can track with this easily. Lenders will also have pricing adjustments as part of their wholesale price sheets. These are called “hits” or “add-ons” [...]]]></description>
		<wfw:commentRss>http://reinfoblog.com/2011/11/08/how-to-save-money-when-getting-a-mortgage-part-3-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Save Money When Getting A Mortgage (Part 2)</title>
		<link>http://reinfoblog.com/2011/10/21/how-to-save-money-when-getting-a-mortgage-part-2/</link>
		<comments>http://reinfoblog.com/2011/10/21/how-to-save-money-when-getting-a-mortgage-part-2/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 14:00:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Mortgage broker]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Wholesale]]></category>

		<guid isPermaLink="false">http://rwfriend.com/2011/10/21/how-to-save-money-when-getting-a-mortgage-part-2/</guid>
		<description><![CDATA[OK, so hopefully you have at least a basic understanding of how mortgage loans are created.  If I confused you don’t worry.  The really important stuff is coming up. Mortgage banks have two ways to work with a borrower.  There is “retail” and there is “broker wholesale”. Retail is when you walk into your bank [...]]]></description>
		<wfw:commentRss>http://reinfoblog.com/2011/10/21/how-to-save-money-when-getting-a-mortgage-part-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Save Money When Getting a Mortgage Loan (part 1)</title>
		<link>http://reinfoblog.com/2011/10/19/how-to-save-money-when-getting-a-mortgage-loan-part-1/</link>
		<comments>http://reinfoblog.com/2011/10/19/how-to-save-money-when-getting-a-mortgage-loan-part-1/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 23:08:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Conforming loan]]></category>
		<category><![CDATA[Jumbo mortgage]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[United States Treasury security]]></category>

		<guid isPermaLink="false">http://rwfriend.com/2011/10/19/how-to-save-money-when-getting-a-mortgage-loan-part-1/</guid>
		<description><![CDATA[Ok, so you want a loan either for a purchase or a refinance.  Do you just pop into your bank and apply?  Should you use a mortgage broker?  Go online? I’m going to explain as clearly as I can how ALL loans are priced.  First let’s cover some basic mortgage concepts.  I’m going to try [...]]]></description>
		<wfw:commentRss>http://reinfoblog.com/2011/10/19/how-to-save-money-when-getting-a-mortgage-loan-part-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Rain Is Here</title>
		<link>http://reinfoblog.com/2011/10/06/the-rain-is-here/</link>
		<comments>http://reinfoblog.com/2011/10/06/the-rain-is-here/#comments</comments>
		<pubDate>Fri, 07 Oct 2011 00:14:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://rwfriend.com/2011/10/06/the-rain-is-here/</guid>
		<description><![CDATA[Now that we are starting to see the rain again it is time to perform a few simple but important maintanance tasks on your home. Get a gas appliance safety inspection from PG&#38;E.  This is a free service they provide. The sooner you schedule it the sooner they will come out.  Don’t wait until the [...]]]></description>
		<wfw:commentRss>http://reinfoblog.com/2011/10/06/the-rain-is-here/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Does it make sense to pay fees on a mortgage?</title>
		<link>http://reinfoblog.com/2011/09/29/does-it-make-sense-to-pay-fees-on-a-mortgage/</link>
		<comments>http://reinfoblog.com/2011/09/29/does-it-make-sense-to-pay-fees-on-a-mortgage/#comments</comments>
		<pubDate>Thu, 29 Sep 2011 21:49:00 +0000</pubDate>
		<dc:creator>Steve Friend</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://rwfriend.com/2011/09/29/does-it-make-sense-to-pay-fees-on-a-mortgage/</guid>
		<description><![CDATA[No point?  No fees?  No points No fee????? What does it really mean for MY loan? Once again mortgage rates are at historical lows.  The financial markets are experiencing a lot of volatility right now and rates are expected to stay in their current range for the near future. So the question I am always [...]]]></description>
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		<slash:comments>4</slash:comments>
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