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	<title><![CDATA[chet boddy Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/chet+boddy.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to chet boddy]]></description>
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		<title><![CDATA[Septic Systems]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65719]]></link>
		<description><![CDATA[One fourth of the homes and about one third of the population in this country use some kind of on-site private sewage disposal system, more commonly called a septic system. Septic systems are the largest producers of wastewater and also the most common source of groundwater contamination in the U.S....]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
	</item>
	<item>
		<title><![CDATA[Real Estate Disclosures And Expert Reports]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65720]]></link>
		<description><![CDATA[Some of the old-timers remember when real estate contracts were written on one page. There were no mandatory disclosures because the traditional approach to real estate was caveat emptor let the buyer beware. The current residential purchase agreement is now 11 pages long and the trend is clearly in favor...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
	</item>
	<item>
		<title><![CDATA[What is a View Worth?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65721]]></link>
		<description><![CDATA[People have a powerful emotional response to views. It could be our territorial imperative, the need to control and defend the land around us. Or it could be that primal instinct which led our early ancestors to walk upright so they could scan the African plain for predators. Everyone has...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/organ.html"><![CDATA[Organ]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
	</item>
	<item>
		<title><![CDATA[The Cost Approach]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65722]]></link>
		<description><![CDATA[The cost approach is one of the three standard methods appraisers use to estimate value. The other two are the income approach and the sales comparison approach. The income approach is used mainly for commercial and residential income properties where value is strongly related to rents. Understanding the cost approach...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/approach.html"><![CDATA[Approach]]></category>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/cost+approach.html"><![CDATA[Cost Approach]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/sales+strategy.html"><![CDATA[Sales Strategy]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/sales.html"><![CDATA[Sales]]></category>
	</item>
	<item>
		<title><![CDATA[Measuring Houses and Counting Rooms]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65810]]></link>
		<description><![CDATA[This is the age of the consumer. Homebuyers are demanding more and better information when they shop for houses. The State of California has responded to this demand by passing a number of new laws, which require more real estate disclosures. The total floor area of a house is one...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/house.html"><![CDATA[House]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/homebuyers.html"><![CDATA[Homebuyers]]></category>
		<category domain="http://resources.bnet.com/topic/ansi.html"><![CDATA[ANSI]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/edi.html"><![CDATA[EDI]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/enterprise+software.html"><![CDATA[Enterprise Software]]></category>
		<category domain="http://resources.bnet.com/topic/software.html"><![CDATA[Software]]></category>
	</item>
	<item>
		<title><![CDATA[Working with a Buyer's Agent]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65811]]></link>
		<description><![CDATA[Buyer broker contracts are relatively new on the real estate scene. Unlike traditional agents who sign a listing contract with the seller, the buyer's agent signs a contract with the buyer. Some agents call this "listing the buyer." The real estate industry resisted the idea of buyer agency at first,...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/agent.html"><![CDATA[Agent]]></category>
		<category domain="http://resources.bnet.com/topic/buyer.html"><![CDATA[Buyer]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/buyer+broker+contract.html"><![CDATA[Buyer Broker Contract]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
	</item>
	<item>
		<title><![CDATA[Ethics and the Appraiser]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65812]]></link>
		<description><![CDATA[The article is about the ethics and the appraiser. It explains the responsibility of appraisers that they must perform their assignments with impartiality, objectivity, and independence, and without accommodating any personal interests. It discusses the significant event in the history of the appraisal profession that has been the development of...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/appraisal.html"><![CDATA[Appraisal]]></category>
		<category domain="http://resources.bnet.com/topic/ethics.html"><![CDATA[Ethics]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/uspap.html"><![CDATA[USPAP]]></category>
		<category domain="http://resources.bnet.com/topic/business+ethics.html"><![CDATA[Business Ethics]]></category>
		<category domain="http://resources.bnet.com/topic/leadership.html"><![CDATA[Leadership]]></category>
		<category domain="http://resources.bnet.com/topic/management.html"><![CDATA[Management]]></category>
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	<item>
		<title><![CDATA[When Do I Need an Appraiser?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65813]]></link>
		<description><![CDATA[An appraisal is nothing more than an opinion of value, and anyone can have an opinion. Appraisers include people who estimate business value, personal property value and real estate value, as well as those who offer consulting services in these areas. To become licensed, an appraiser must take a series...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/opinion.html"><![CDATA[Opinion]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/outsourcing.html"><![CDATA[Outsourcing]]></category>
		<category domain="http://resources.bnet.com/topic/quality.html"><![CDATA[Quality]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/it+operations.html"><![CDATA[It Operations]]></category>
		<category domain="http://resources.bnet.com/topic/outsourcing+%2526+subcontracting.html"><![CDATA[Outsourcing & Subcontracting]]></category>
	</item>
	<item>
		<title><![CDATA[Private Mortgage Insurance]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65814]]></link>
		<description><![CDATA[One of the hottest consumer issues of the late 1990s has been the overpayment of private mortgage insurance PMI by thousands of unsuspecting homeowners. The new federal law provides for the automatic cancellation of PMI for loans. It also requires loan services to send annual disclosures to all mortgage borrowers...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/cancellation.html"><![CDATA[Cancellation]]></category>
		<category domain="http://resources.bnet.com/topic/borrower.html"><![CDATA[Borrower]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage+insurance.html"><![CDATA[Mortgage Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
	</item>
	<item>
		<title><![CDATA[Estimating Real Estate Value]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65869]]></link>
		<description><![CDATA[Article explains that there are many types of real estate value definitions, but the most commonly used is "market value." Simply put, market value is the most probable price a willing buyer and seller will agree upon in an open market, each being well-informed and under no undue pressure. The...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/seller.html"><![CDATA[Seller]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
	</item>
	<item>
		<title><![CDATA[Estimating Land Value]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65870]]></link>
		<description><![CDATA[Improvements are any man-made objects that are permanently attached to the land, such as buildings. Anything that isn't permanently attached is personal rather than "real" property. Personal property can include furniture, fixtures, commercial equipment, appliances and even entire manufactured homes, which are not installed on a permanent foundation. Land value...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate+data.html"><![CDATA[Real Estate Data]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
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	<item>
		<title><![CDATA[Income Property, Part I]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65873]]></link>
		<description><![CDATA[Buying income property is different than buying a house. Home buyers make a lot of personal choices about the floor plan, the neighborhood, the school district and even the color of the carpets. But if the house goes up in value over the years, that's a bonus. It's a comprehensive...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
	</item>
	<item>
		<title><![CDATA[Factory Built Housing]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65969]]></link>
		<description><![CDATA[The concept of factory-built housing isn't new. Today, even conventional site-built homes are using an increasing amount of factory-assembled components. Roof and floor trusses, pre-hung doors and windows, modular cabinets and fiberglass bath and shower units are standard prefab items. Because factory-built houses are built all or partly within factory...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/construction.html"><![CDATA[Construction]]></category>
	</item>
	<item>
		<title><![CDATA[Adding Value to Real Estate]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65970]]></link>
		<description><![CDATA[Whether planning to sell, buy or re-model, it's important to understand what makes real estate values go up and down. The article provides a summary of the basic forces which influence the value of real estate. Some of these forces include: the local real estate market, land value, convert personal...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
	</item>
	<item>
		<title><![CDATA[Excess Land]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65971]]></link>
		<description><![CDATA[The main focus of this article is upon the Excess land. It is unused land which is not needed to serve or support the primary highest and best use. It can be dividable or undividable, and can even have its own separat highest and best use, such as agriculture or...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
	</item>
	<item>
		<title><![CDATA[Setting the Listing Price]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65973]]></link>
		<description><![CDATA[Setting the listing price is probably the most important process in selling real estate. If the property is listed too high, it won't sell. If it's listed too low, the seller stands to lose a lot of potential income. Some sellers list too high because they don't understand or believe...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/seller.html"><![CDATA[Seller]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
	</item>
	<item>
		<title><![CDATA[Tax Breaks for Homeowners]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65978]]></link>
		<description><![CDATA[It's no surprise that 67 percent of all households in the United States now own the homes they occupy. Subsidies and tax breaks for homeowners have become an American tradition and a political sacred cow that few politicians would dare challenge. But more important, federal policy makers realized some time...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/homeowner.html"><![CDATA[Homeowner]]></category>
		<category domain="http://resources.bnet.com/topic/tax+break.html"><![CDATA[Tax Break]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/taxes.html"><![CDATA[Taxes]]></category>
		<category domain="http://resources.bnet.com/topic/free+trade.html"><![CDATA[Free Trade]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Credit Scoring]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65980]]></link>
		<description><![CDATA[This article focuses on the subject of credit, which has until recently been the most difficult part of the home loan process for consumers to understand and control. For this, credit scoring has replaced the old fashioned face-to-face meeting with the loan officer, who had to make a personal judgment...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/credit.html"><![CDATA[Credit]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/strategy.html"><![CDATA[Strategy]]></category>
		<category domain="http://resources.bnet.com/topic/security.html"><![CDATA[Security]]></category>
		<category domain="http://resources.bnet.com/topic/management.html"><![CDATA[Management]]></category>
	</item>
	<item>
		<title><![CDATA[The General Plan]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=65982]]></link>
		<description><![CDATA[The general plan is one of the most powerful and least understood documents affecting real estate. It is a compendium of goals and policies – in the form of text and maps – which all cities and counties use to make land use decisions. Sometimes called a master plan or...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/city.html"><![CDATA[City]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/government.html"><![CDATA[Government]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/vertical+industries.html"><![CDATA[Vertical Industries]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/enterprise+software.html"><![CDATA[Enterprise Software]]></category>
		<category domain="http://resources.bnet.com/topic/software.html"><![CDATA[Software]]></category>
	</item>
	<item>
		<title><![CDATA[Adding Value with Landscaping]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=66054]]></link>
		<description><![CDATA[The article tells about the different issues to be considered while choosing one location. Plants have a powerful effect on people. One enjoys the patterns of light and shadow they create, and the way they grow and change with the seasons. Properly designed and installed, landscaping can also provide practical...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
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		<category domain="http://resources.bnet.com/topic/advice.html"><![CDATA[Advice]]></category>
		<category domain="http://resources.bnet.com/topic/chet+boddy.html"><![CDATA[Chet Boddy]]></category>
		<category domain="http://resources.bnet.com/topic/mendocino+coast.html"><![CDATA[Mendocino Coast]]></category>
		<category domain="http://resources.bnet.com/topic/recruitment+%2526+selection.html"><![CDATA[Recruitment & Selection]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/workforce+management.html"><![CDATA[Workforce Management]]></category>
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