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	<title>Dr. Housing Bubble Blog &#187; employment</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>
	<lastBuildDate>Mon, 06 Feb 2012 04:23:01 +0000</lastBuildDate>
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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>
		<category><![CDATA[mainstream-media]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[down size]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[money]]></category>
		<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>
		<category><![CDATA[debt]]></category>
		<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>A mortgage with every college graduation &#8211; Student debt to stifle home buying prospects of younger Americans – In 2000 student debt made up 2 percent of all household debt.  Today student debt is up to 7 percent of all household debt and growing.</title>
		<link>http://www.doctorhousingbubble.com/a-mortgage-every-college-graduation-student-debt-to-stifle-home-buying/</link>
		<comments>http://www.doctorhousingbubble.com/a-mortgage-every-college-graduation-student-debt-to-stifle-home-buying/#comments</comments>
		<pubDate>Sun, 11 Dec 2011 17:51:35 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[college debt]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[student loan]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[college fees]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[household debt problems]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[tuition]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5165</guid>
		<description><![CDATA[In order to have a healthy housing market you need to have a steady employment base and also a low level of distressed properties.  Both of these prerequisites unfortunately are not applicable to the current economy.  One albatross of future buyers is the now increasing burden of student loan debt.  While virtually every other debt [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/a-mortgage-every-college-graduation-student-debt-to-stifle-home-buying/feed/</wfw:commentRss>
		<slash:comments>88</slash:comments>
		</item>
		<item>
		<title>Reinventing Japan’s economic lost decades in the United States: Seven charts tracking the parallels between the lost decades in Japan and our approach to a first lost decade.  Young adults moving back at home reflecting societal changes experienced in Japan.</title>
		<link>http://www.doctorhousingbubble.com/japan-lost-decades-reinventing-japan-economic-lost-decades-in-the-united-states-young-adults-real-estate-trends-stock-markets/</link>
		<comments>http://www.doctorhousingbubble.com/japan-lost-decades-reinventing-japan-economic-lost-decades-in-the-united-states-young-adults-real-estate-trends-stock-markets/#comments</comments>
		<pubDate>Sun, 27 Nov 2011 17:58:19 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[banking]]></category>
		<category><![CDATA[credit crisis]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[global crisis]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[japan asset bubble]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[market history]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[real-estate]]></category>
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		<category><![CDATA[bank owned]]></category>
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		<category><![CDATA[budget]]></category>
		<category><![CDATA[default]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[Japan economy]]></category>
		<category><![CDATA[Japan real estate bubble]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5116</guid>
		<description><![CDATA[Five years of falling home prices have caused societal shifts in the perception of housing.  We need to remember that psychologically this is the first generation where a prolonged and severe crash in home values has occurred since the Great Depression.  We are hard pressed to even use the Great Depression as an example since [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/japan-lost-decades-reinventing-japan-economic-lost-decades-in-the-united-states-young-adults-real-estate-trends-stock-markets/feed/</wfw:commentRss>
		<slash:comments>58</slash:comments>
		</item>
		<item>
		<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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