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	<title>Dr. Housing Bubble Blog &#187; mortgages</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>The other CA bubble – Canadian housing bubble ripe for popping. Vancouver real estate increased by 142 percent from 2002 to 2011.  Average detached home in Vancouver costs roughly $1 million while the median household makes $67,000 per year.</title>
		<link>http://www.doctorhousingbubble.com/canada-housing-bubble-ripe-for-popping-vancouver-housing-bubble-2012-pop-real-estate-canada/</link>
		<comments>http://www.doctorhousingbubble.com/canada-housing-bubble-ripe-for-popping-vancouver-housing-bubble-2012-pop-real-estate-canada/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 03:18:33 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[canada housing bubble]]></category>
		<category><![CDATA[credit crisis]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[housing 2012]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[canda real estate]]></category>
		<category><![CDATA[global housing bubble]]></category>
		<category><![CDATA[hot money]]></category>
		<category><![CDATA[speculation]]></category>
		<category><![CDATA[vancouver housing bubble]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5260</guid>
		<description><![CDATA[In the last few years I’ve noticed that many of the cable finance and housing shows highlight families in Canada.  Shows that talk about debt or home buyers are usually focused on families in Canada which is rather odd given that we are here in Southern California.  Yet the funny thing about these shows is [...]]]></description>
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		<slash:comments>108</slash:comments>
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		<title>The future of the young American homebuyer.  Average foreclosure timeline jumps from 253 days in 2007 to 674 days in 2011.  Homeownership rates for younger Americans point to significant issues in household income, demographic changes, and attitude shifts in the desire to buy a home.</title>
		<link>http://www.doctorhousingbubble.com/future-of-young-american-homebuyer-average-foreclosure-timeline-home-buying-trends-future-real-estate-projections/</link>
		<comments>http://www.doctorhousingbubble.com/future-of-young-american-homebuyer-average-foreclosure-timeline-home-buying-trends-future-real-estate-projections/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 03:32:34 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[debt]]></category>
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		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing 2012]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[market history]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[negative equity]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[young homebuyers]]></category>
		<category><![CDATA[default rates]]></category>
		<category><![CDATA[fha foreclosures]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure timeline]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[reos]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5225</guid>
		<description><![CDATA[Young Americans have a challenging road ahead especially when it comes to buying in large metro areas.  Since the Great Depression jarred the psyche of our economic fundamentals, each subsequent decade brought on a belief, a vision that the next decade would have it better.  For most this meant a better road to economic prosperity [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/future-of-young-american-homebuyer-average-foreclosure-timeline-home-buying-trends-future-real-estate-projections/feed/</wfw:commentRss>
		<slash:comments>57</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>
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		<slash:comments>31</slash:comments>
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		<title>Three dramatic housing trends closing out 2011 – Impact of overstating home sales, foreclosure wave will return in 2012, and a very creative agent picture of a property.</title>
		<link>http://www.doctorhousingbubble.com/three-dramatic-housing-trends-closing-out-2012-shadow-inventory-overstating-home-sales-picture-of-a-home/</link>
		<comments>http://www.doctorhousingbubble.com/three-dramatic-housing-trends-closing-out-2012-shadow-inventory-overstating-home-sales-picture-of-a-home/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 20:19:27 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing 2011]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[realtors]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[real-homes-of-genius]]></category>
		<category><![CDATA[southern-california-housing]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5183</guid>
		<description><![CDATA[There is little mystery as to why home values remain depressed.  Real household incomes have fallen for well over a decade and no amount of shape shifting of interest rates by the Federal Reserve is going to make home values spike up without a subsequent increase in household incomes.  We have a few relevant stories [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/three-dramatic-housing-trends-closing-out-2012-shadow-inventory-overstating-home-sales-picture-of-a-home/feed/</wfw:commentRss>
		<slash:comments>34</slash:comments>
		</item>
		<item>
		<title>The housing confidence game – West takes major hit in housing prices in the last 12 month period.  More aggressive pricing of distressed inventory through REOs and short sales.</title>
		<link>http://www.doctorhousingbubble.com/housing-confidence-game-short-sales-year-price-cuts-in-california-real-estate-west-real-estate/</link>
		<comments>http://www.doctorhousingbubble.com/housing-confidence-game-short-sales-year-price-cuts-in-california-real-estate-west-real-estate/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 23:07:54 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[credit crisis]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[global crisis]]></category>
		<category><![CDATA[housing 2011]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[u.s. treasury]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5150</guid>
		<description><![CDATA[It might be hard to believe that home prices have been falling for half a decade now.  What some have a harder time grasping is the idea of lower home prices in the defiant face of a Federal Reserve pushing interest rates into artificially low levels.  The truth of the matter is many regions especially [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/housing-confidence-game-short-sales-year-price-cuts-in-california-real-estate-west-real-estate/feed/</wfw:commentRss>
		<slash:comments>93</slash:comments>
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