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	<title>Dr. Housing Bubble Blog &#187; soft-landing</title>
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	<description>How I Learned to Love Southern California and Forget the Housing Bubble</description>
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		<title>3 economics trends stifling wages and pushing home prices lower: 1,000,000 people apply for 60,000 McDonald’s jobs, the college tuition bubble, and long-term shadow inventory.</title>
		<link>http://www.doctorhousingbubble.com/economics-trends-wages-home-prices-lower-mcjobs-college-student-loan-bubble-debt-shadow-inventory/</link>
		<comments>http://www.doctorhousingbubble.com/economics-trends-wages-home-prices-lower-mcjobs-college-student-loan-bubble-debt-shadow-inventory/#comments</comments>
		<pubDate>Fri, 29 Apr 2011 17:30:32 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[college debt]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[soft-landing]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=4549</guid>
		<description><![CDATA[We have troubling economic headwinds that are being felt on the shoulders of many American families.  Over a decade of stagnant wage growth is taking a toll on the psyche of many.  Many large cities still have inflated home prices yet these bubbles are slowly deflating just like the rest of housing in America.  The [...]]]></description>
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		<slash:comments>87</slash:comments>
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		<title>The never ending pipeline of shadow inventory – 1,800,000 homes in foreclosure while another 2,000,000 are underwater by 50 percent.  No housing recovery without clearing out shadow inventory and expanding real household wages.</title>
		<link>http://www.doctorhousingbubble.com/never-ending-pipeline-of-shadow-inventory-homes-in-foreclosure-while-another-2000000-are-underwater-by-50-percent/</link>
		<comments>http://www.doctorhousingbubble.com/never-ending-pipeline-of-shadow-inventory-homes-in-foreclosure-while-another-2000000-are-underwater-by-50-percent/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 21:19:10 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing 2011]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[market history]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[shadow inventory]]></category>
		<category><![CDATA[soft-landing]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=4506</guid>
		<description><![CDATA[There will be no recovery until the shadow inventory is cleared out.  This backlog of properties hangs over any sustainable housing recovery like a dark cloud overhead.  Many of these properties are still priced at values too high simply to inflate bank balance sheets.  The problem is apparent although not transparent.  If these homes could [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/never-ending-pipeline-of-shadow-inventory-homes-in-foreclosure-while-another-2000000-are-underwater-by-50-percent/feed/</wfw:commentRss>
		<slash:comments>49</slash:comments>
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		<title>7 charts exploring the U.S. housing market – Bank of America bad bank model and leaking out $1 trillion in mortgages over 3 years.  7 million loans non-current in U.S.  Option ARMs winning prize for worst performing mortgage product ever.</title>
		<link>http://www.doctorhousingbubble.com/bad-bank-model-bofa-7-charts-us-housing-market-option-arms-win-worst-performing-loan-7-million-distressed-loans/</link>
		<comments>http://www.doctorhousingbubble.com/bad-bank-model-bofa-7-charts-us-housing-market-option-arms-win-worst-performing-loan-7-million-distressed-loans/#comments</comments>
		<pubDate>Fri, 11 Mar 2011 08:16:45 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[flipping]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing 2011]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[market history]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[shadow inventory]]></category>
		<category><![CDATA[soft-landing]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=4349</guid>
		<description><![CDATA[America’s largest bank is now offering a hint at how long it will take to off load the shadow inventory.  In a shockingly under reported story Bank of America announced plans that they will be splitting off 6.7 million mortgages with a face value of $1 trillion into a bad bank model.  The aim at [...]]]></description>
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		<slash:comments>46</slash:comments>
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		<title>10 important real estate charts showing no housing recovery in 2010.  Collapsing housing starts, Texas Ratio problems, construction spending at trough, and real estate equity evaporated.</title>
		<link>http://www.doctorhousingbubble.com/10-real-estate-charts-texas-ratio-pending-homes-sales-showing-no-recovery-in-2010/</link>
		<comments>http://www.doctorhousingbubble.com/10-real-estate-charts-texas-ratio-pending-homes-sales-showing-no-recovery-in-2010/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 22:59:24 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[housing-2010]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[soft-landing]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[second loans]]></category>
		<category><![CDATA[texas ratio]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=3358</guid>
		<description><![CDATA[The housing market has been turned upside down with unprecedented amounts of government intervention that even the seasonal pattern has changed.  Keep in mind that spring and summer are usually the most optimistic selling times in any given year but this year with the tax credit ending and the Federal Reserve done buying up mortgage [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/10-real-estate-charts-texas-ratio-pending-homes-sales-showing-no-recovery-in-2010/feed/</wfw:commentRss>
		<slash:comments>25</slash:comments>
		</item>
		<item>
		<title>California Economy and Housing in Depth:  SoCal Homes Sales up But Significantly Down from Peak.  W-2 Earners Expect a Smaller Paycheck.  And Unemployment Insurance looking at a $23 Billion Deficit by 2011.</title>
		<link>http://www.doctorhousingbubble.com/california-economy-and-housing-in-depth-socal-homes-sales-up-but-significantly-down-from-peak-w-2-earners-expect-a-smaller-paycheck-and-unemployment-insurance-looking-at-a-23-billion-deficit-by/</link>
		<comments>http://www.doctorhousingbubble.com/california-economy-and-housing-in-depth-socal-homes-sales-up-but-significantly-down-from-peak-w-2-earners-expect-a-smaller-paycheck-and-unemployment-insurance-looking-at-a-23-billion-deficit-by/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 17:39:15 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[housing-2009]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[soft-landing]]></category>
		<category><![CDATA[southern-california-housing]]></category>
		<category><![CDATA[budgets]]></category>
		<category><![CDATA[california deficits]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[market forecast]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2614</guid>
		<description><![CDATA[Things are going so well for California, that the state now facing a $1 billion deficit after just patching up $60 billion in deficits, is now looking to withhold more taxes from your paycheck.  Of course this isn’t a tax hike (so we are told and technically, they are correct).  This is just a way [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/california-economy-and-housing-in-depth-socal-homes-sales-up-but-significantly-down-from-peak-w-2-earners-expect-a-smaller-paycheck-and-unemployment-insurance-looking-at-a-23-billion-deficit-by/feed/</wfw:commentRss>
		<slash:comments>21</slash:comments>
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