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	<title>Dr. Housing Bubble Blog &#187; baby-boomers</title>
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	<link>http://www.doctorhousingbubble.com</link>
	<description>How I Learned to Love Southern California and Forget the Housing Bubble</description>
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		<title>Baby boomers and the 4 million seriously delinquent loans – 10,000 Americans turn 65 years of age each day and this trend will go on for nearly two decades.  Housing starts and completions reach record low in 2011.</title>
		<link>http://www.doctorhousingbubble.com/baby-boomers-4-million-seriously-delinquent-loans-down-size-real-estate-housing-reos-shadow-inventory/</link>
		<comments>http://www.doctorhousingbubble.com/baby-boomers-4-million-seriously-delinquent-loans-down-size-real-estate-housing-reos-shadow-inventory/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 08:06:56 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[baby-boomers]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing 2012]]></category>
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		<category><![CDATA[down size]]></category>
		<category><![CDATA[finance]]></category>
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		<category><![CDATA[shadow inventory]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5274</guid>
		<description><![CDATA[The prospects of a housing recovery in 2012 seem unlikely as continued weak momentum carries over from the second half of 2011.  Globally, housing bubbles are entering into peak mania phases as hot money seeks a safe harbor for the short-term.  Back here in the United States, we can look at the cold hard reality [...]]]></description>
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		<slash:comments>73</slash:comments>
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		<title>5 charts exploring the financial quicksand that real estate is stuck in for 2012 – Public debt now larger than GDP, entitlement challenges, post-bubble lows for housing, two lost decades for income, baby boomer demographics not looking positive for real estate.</title>
		<link>http://www.doctorhousingbubble.com/5-charts-exploring-financial-quicksand-real-estate-baby-boomers-real-estate-housing-home-equity-income/</link>
		<comments>http://www.doctorhousingbubble.com/5-charts-exploring-financial-quicksand-real-estate-baby-boomers-real-estate-housing-home-equity-income/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 01:36:24 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[baby-boomers]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[california-equity-giants]]></category>
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		<category><![CDATA[double dip]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[bailouts]]></category>
		<category><![CDATA[california housing]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[housing]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5207</guid>
		<description><![CDATA[As we look into 2012 we have much to be hopeful for but real estate is not a sector to pry into if you are expecting a rosy and sunny projection.  Real estate boomed because of easy access to what appeared to be an unlimited supply of debt.  Archimedes understood the power of leverage and [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/5-charts-exploring-financial-quicksand-real-estate-baby-boomers-real-estate-housing-home-equity-income/feed/</wfw:commentRss>
		<slash:comments>31</slash:comments>
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		<title>Manic California – state budget gets worse with projected deficit of $20 billion on the books again.  Aging population fastest growing segment in next decade.  Disturbing trend of replacing smoking with a double latte.</title>
		<link>http://www.doctorhousingbubble.com/manic-california-state-budget-projected-deficit-20-billion-aging-population-fastest-growing-segment/</link>
		<comments>http://www.doctorhousingbubble.com/manic-california-state-budget-projected-deficit-20-billion-aging-population-fastest-growing-segment/#comments</comments>
		<pubDate>Sun, 13 Nov 2011 16:41:08 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[baby-boomers]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[california budget]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[credit crisis]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[california housing]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[finance]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5081</guid>
		<description><![CDATA[California has one of the most volatile and wobbly budgets in the nation.  Part of this comes from the inherent structure of the tax system where a large portion of revenues come from fluctuating items like sales tax, corporate tax, and personal income tax that swing wildly like a vine in the wind during recessions.  [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/manic-california-state-budget-projected-deficit-20-billion-aging-population-fastest-growing-segment/feed/</wfw:commentRss>
		<slash:comments>70</slash:comments>
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		<title>The fallacy of cheap home prices and the two income trap – dual income households underscore massive housing inflation.  Nationwide home prices overvalued by 25 percent.</title>
		<link>http://www.doctorhousingbubble.com/the-fallacy-of-cheap-home-prices-dual-income-trap-home-prices-over-valued-by-25-percent/</link>
		<comments>http://www.doctorhousingbubble.com/the-fallacy-of-cheap-home-prices-dual-income-trap-home-prices-over-valued-by-25-percent/#comments</comments>
		<pubDate>Sun, 22 Aug 2010 18:13:53 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[baby-boomers]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing-2010]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
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		<category><![CDATA[budget]]></category>
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		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=3605</guid>
		<description><![CDATA[Housing inflation has run at an elevated pace since the 1970s and ramped up starting in the 1990s.  Yet what masked much of the pain was access to easy credit but also the rise of the two income household.  The housing bubble is worse than many expect and probably for the wrong reasons.  Many readers [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/the-fallacy-of-cheap-home-prices-dual-income-trap-home-prices-over-valued-by-25-percent/feed/</wfw:commentRss>
		<slash:comments>72</slash:comments>
		</item>
		<item>
		<title>Get Over It because there will be no Housing Boom This Decade – 5 Factors That Will Drag Housing Down in the Next Ten Years.</title>
		<link>http://www.doctorhousingbubble.com/get-over-it-because-there-will-be-no-housing-boom-this-decade-%e2%80%93-5-factors-that-will-drag-housing-down-in-the-next-ten-years/</link>
		<comments>http://www.doctorhousingbubble.com/get-over-it-because-there-will-be-no-housing-boom-this-decade-%e2%80%93-5-factors-that-will-drag-housing-down-in-the-next-ten-years/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 20:11:42 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[baby-boomers]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
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		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[analysis]]></category>
		<category><![CDATA[consumption]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[heloc]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[market trends]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=3044</guid>
		<description><![CDATA[In the midst of all the bailouts you might have missed that last month, in perma-bubble Southern California the median price of the entire regional market fell by $17,500.  This was the first regional price drop since April of 2009.  Now one month doesn’t make a trend of course but if you only listen to [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/get-over-it-because-there-will-be-no-housing-boom-this-decade-%e2%80%93-5-factors-that-will-drag-housing-down-in-the-next-ten-years/feed/</wfw:commentRss>
		<slash:comments>58</slash:comments>
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