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	<title>Dr. Housing Bubble Blog</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>Wed, 16 May 2012 05:48:00 +0000</lastBuildDate>
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		<title>The allure of low mortgage rates – time to buy in Compton.  Culver City and Arcadia continue mid-tier correction.</title>
		<link>http://www.doctorhousingbubble.com/low-mortgage-rate-allure-compton-ca-housing-market-culver-city-arcadia-remain-in-bubbles-rent-buy/</link>
		<comments>http://www.doctorhousingbubble.com/low-mortgage-rate-allure-compton-ca-housing-market-culver-city-arcadia-remain-in-bubbles-rent-buy/#comments</comments>
		<pubDate>Wed, 16 May 2012 05:48:00 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[California Love]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[flopping]]></category>
		<category><![CDATA[housing 2012]]></category>
		<category><![CDATA[housing valuation]]></category>
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		<category><![CDATA[southern-california-housing]]></category>
		<category><![CDATA[california housing]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5597</guid>
		<description><![CDATA[There is something deceiving about the current low mortgage rates.  To a certain extent they obscure the underlying economic fundamentals that are hitting the state.  Certainly no one is going to look at an underemployment rate above 20 percent and a budget deficit of $16 billion and claim that the economy is booming.  Old habits [...]]]></description>
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		<slash:comments>25</slash:comments>
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		<title>A brave new economy &#8211; California budget implications for real estate – 4 key metrics highlighting a very weak California economy.</title>
		<link>http://www.doctorhousingbubble.com/brave-new-economy-california-budget-implications-real-estate-california-budget-economy/</link>
		<comments>http://www.doctorhousingbubble.com/brave-new-economy-california-budget-implications-real-estate-california-budget-economy/#comments</comments>
		<pubDate>Sun, 13 May 2012 17:07:49 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bailout]]></category>
		<category><![CDATA[california budget]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[bailouts]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[california housing]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[wall street]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5591</guid>
		<description><![CDATA[Over the weekend it was announced that California’s large $9 billion budget deficit was no longer $9 billion but $16 billion.  Whoops.  Last week J.P. Morgan Chase, a darling of the Federal Reserve, reported a $2 billion trading loss on “synthetic derivatives” yet still had the audacity to state no further regulation was needed.  Whoops. [...]]]></description>
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		<slash:comments>47</slash:comments>
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		<title>Will the FHA require a bailout? – 12,000,000 underwater mortgages 3,000,000 are FHA insured loans.  1 million underwater mortgages originated in last two years.</title>
		<link>http://www.doctorhousingbubble.com/fha-require-bailout-negative-equity-fha-loans-fha-insured-loans/</link>
		<comments>http://www.doctorhousingbubble.com/fha-require-bailout-negative-equity-fha-loans-fha-insured-loans/#comments</comments>
		<pubDate>Thu, 10 May 2012 16:11:28 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bailout]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[fha loans]]></category>
		<category><![CDATA[housing 2012]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[fha bailout]]></category>
		<category><![CDATA[fha insured]]></category>
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		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5584</guid>
		<description><![CDATA[FHA insured loans have been a big booster for the current market.  Historically FHA insured loans made up roughly 8 to 12 percent of all mortgage originations but in 2009 they hit 30 percent.  For first time home buyers it was a stunning 50 percent showing that most people can only purchase a home today [...]]]></description>
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		<slash:comments>48</slash:comments>
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		<title>Living the California debt based dream – adjustable rate mortgages and bankruptcies.  Bankruptcies in California increased 557 percent from 2006 to 2011.</title>
		<link>http://www.doctorhousingbubble.com/california-bankruptcy-data-california-housing-values-adjustable-rate-mortgages-2012/</link>
		<comments>http://www.doctorhousingbubble.com/california-bankruptcy-data-california-housing-values-adjustable-rate-mortgages-2012/#comments</comments>
		<pubDate>Mon, 07 May 2012 21:38:09 +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[housing-data]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[real-estate]]></category>
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		<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[southern-california-housing]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5576</guid>
		<description><![CDATA[The California housing market sits in an odd stage of limbo.  You can see that the public for the most part is fully aware of the situation like an Alamo standoff in real estate.  People fully acknowledge now that banks are holding off a tremendous amount of inventory.  There is little that is secretive about [...]]]></description>
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		<slash:comments>69</slash:comments>
		</item>
		<item>
		<title>What if housing doesn’t recover for another decade?  When the young cannot afford to buy a home from their parents.  The reemerging trend between the US and Japan housing bubbles.</title>
		<link>http://www.doctorhousingbubble.com/housing-lost-decade-again-case-shiller-no-recovery-for-housing-young-generation-being-locked-out-buying-homes/</link>
		<comments>http://www.doctorhousingbubble.com/housing-lost-decade-again-case-shiller-no-recovery-for-housing-young-generation-being-locked-out-buying-homes/#comments</comments>
		<pubDate>Fri, 04 May 2012 16:08:55 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[baby-boomers]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[housing 2012]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[japan asset bubble]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[bailouts]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Japan real estate bubble]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[market trends]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=5567</guid>
		<description><![CDATA[Robert Shiller of the famed Case-Shiller Index came out only a few days ago stating that housing may not recover for over a decade.  As dire as this may sound, we have a similar example to look at in Japan.  It wasn’t like he stated this just to cause a stir but talked about compressed [...]]]></description>
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		<slash:comments>66</slash:comments>
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