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	<title>Dr. Housing Bubble Blog &#187; bankruptcy</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>The Muddle Years – Why the California economy is destined for years of slow growth and declining home values.  10 charts showing California still deep in recession and no state budget as we enter September.</title>
		<link>http://www.doctorhousingbubble.com/the-muddle-years-california-budget-10-charts-housing-price-declines-slow-economy-for-years/</link>
		<comments>http://www.doctorhousingbubble.com/the-muddle-years-california-budget-10-charts-housing-price-declines-slow-economy-for-years/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 05:51:32 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bailout]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[california budget]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[employment]]></category>
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		<category><![CDATA[market analysis]]></category>
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		<category><![CDATA[real-estate]]></category>
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		<category><![CDATA[bailouts]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[california housing]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=3654</guid>
		<description><![CDATA[California now enters September with no budget in place and a $19 billion budget deficit.  As we edge closer to issuing coveted IOUs, the spin cycle is out in full force.  A report was issued showing that CEOs at the 50 firms that laid off the most workers since the recession started earned an average [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/the-muddle-years-california-budget-10-charts-housing-price-declines-slow-economy-for-years/feed/</wfw:commentRss>
		<slash:comments>64</slash:comments>
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		<title>California real estate foreclosure math – Notice of defaults decline while actual foreclosures increase.  Why are notices of default falling while those falling behind on their mortgage are still at record levels?  The 550,000+ California properties in distressed limbo.</title>
		<link>http://www.doctorhousingbubble.com/california-real-estate-foreclosure-math-notice-of-defaults-down-foreclosures-up/</link>
		<comments>http://www.doctorhousingbubble.com/california-real-estate-foreclosure-math-notice-of-defaults-down-foreclosures-up/#comments</comments>
		<pubDate>Thu, 22 Jul 2010 19:56:21 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[california housing]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=3475</guid>
		<description><![CDATA[I’m surprised how quickly people are ready to believe housing industry math even though this is the same industry that championed toxic loans and saw no future problems by giving loans to anyone with a pulse.  So keep that in mind as new data is being held up like a trophy as if things have [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/california-real-estate-foreclosure-math-notice-of-defaults-down-foreclosures-up/feed/</wfw:commentRss>
		<slash:comments>18</slash:comments>
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		<title>The California Tax Break Window – Combining California Tax Credit with Federal Credit for $18,000 in Tax Credits.  Southern California Housing Update.  Giving $200 Million in Home Buyer Tax Credits While the State has a $20 Billion Budget Gap.</title>
		<link>http://www.doctorhousingbubble.com/california-home-buyer-tax-credit-federal-credit-state-budget-gap-combined/</link>
		<comments>http://www.doctorhousingbubble.com/california-home-buyer-tax-credit-federal-credit-state-budget-gap-combined/#comments</comments>
		<pubDate>Wed, 14 Apr 2010 07:12:25 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[housing-2010]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[california housing]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[hud]]></category>
		<category><![CDATA[state budget]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=3200</guid>
		<description><![CDATA[California in its infinite wisdom is allocating $200 million in tax credits for home buyers.  This is a very generous credit since existing home owners can use the $10,000 credit on a new home and new buyers can use it on either an existing home purchase or a new property.  And for a limited time, [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/california-home-buyer-tax-credit-federal-credit-state-budget-gap-combined/feed/</wfw:commentRss>
		<slash:comments>32</slash:comments>
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		<title>California Budget Revisited:  The Budget Cuts trickling into the Real Economy.  Unemployment, Finance, Housing, Revenues, and Taxes.  Game Show Employment and Realtors Say no to Paying Taxes Early.</title>
		<link>http://www.doctorhousingbubble.com/california-budget-revisited-the-budget-cuts-trickling-into-the-real-economy-unemployment-finance-housing-revenues-and-taxes-game-show-employment-and-realtors-say-no-to-paying-taxes-early/</link>
		<comments>http://www.doctorhousingbubble.com/california-budget-revisited-the-budget-cuts-trickling-into-the-real-economy-unemployment-finance-housing-revenues-and-taxes-game-show-employment-and-realtors-say-no-to-paying-taxes-early/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 16:21:02 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bailout]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
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		<category><![CDATA[money]]></category>
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		<category><![CDATA[budget]]></category>
		<category><![CDATA[california economy]]></category>
		<category><![CDATA[california finance]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2240</guid>
		<description><![CDATA[Many look to California for guidance on where the future is heading.  In this current economy, it would seem that some are looking for other economic leaders.  A $26 billion budget deficit, a housing market that is still wobbling around, and employment that seems to continue to get worse.  The current California economy, unlike many [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/california-budget-revisited-the-budget-cuts-trickling-into-the-real-economy-unemployment-finance-housing-revenues-and-taxes-game-show-employment-and-realtors-say-no-to-paying-taxes-early/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
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		<title>The Continued Crony Banking and Housing Industry Bailout:  Foreclosure Scams, Japan Subprime Loans Coming Back, and Generally Bad Advice for American Consumers.</title>
		<link>http://www.doctorhousingbubble.com/the-continued-crony-banking-and-housing-industry-bailout-foreclosure-scams-japan-subprime-loans-coming-back-and-generally-bad-advice-for-american-consumers/</link>
		<comments>http://www.doctorhousingbubble.com/the-continued-crony-banking-and-housing-industry-bailout-foreclosure-scams-japan-subprime-loans-coming-back-and-generally-bad-advice-for-american-consumers/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 04:02:55 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bailout]]></category>
		<category><![CDATA[bank failure]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit crisis]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[housing-2009]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[mainstream-media]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[alt-a]]></category>
		<category><![CDATA[crony banking]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[wall street]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=1950</guid>
		<description><![CDATA[It is amazing that those who have been wrong predicting the housing collapse are now the folks guiding policy.  As I discussed in the last article regarding Alt-A loans and the California Foreclosure Prevention Act, all that is being done is the state is institutionalizing option ARMs which is flat out insanity and would make [...]]]></description>
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		<slash:comments>28</slash:comments>
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