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	<title><![CDATA[realty times Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/realty+times.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to realty times]]></description>
	<s:counts start="0" returned="20" found="180" />
	<language>en-us</language>
	<item>
		<title><![CDATA[Miles Versus Mortgages]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=266087]]></link>
		<description><![CDATA[A study tells people something which seems very reasonable: Living in distant suburbs may reduce housing expenses, but "Working households" - those who earn $20,000 to $50,000 annually - may lose such savings to steep commuting costs. That's the essential conclusion of a study by the Washington-based Center for Housing...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 17 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/transportation.html"><![CDATA[Transportation]]></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[Which Drinking Water Is Best for Your Family?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=266089]]></link>
		<description><![CDATA[Water quality is not uniform in the United States. Drinking water quality is dependant on safe sources, competent processing, and ongoing monitoring by regulator, and out of those dependencies, a person essentially has three drinking water choices. One can install a well on the property. One can use tap water...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 12 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/regulations.html"><![CDATA[Regulations]]></category>
		<category domain="http://resources.bnet.com/topic/government.html"><![CDATA[Government]]></category>
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	<item>
		<title><![CDATA[Cultivating HOA Volunteers]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265919]]></link>
		<description><![CDATA[A common homeowner association board question is: "How do we get better participation from our members with board and committee work?" Many HOAs experience a large degree of apathy from the membership when it comes to volunteering. On the one hand, one of the reasons people buy into HOAs is...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 11 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/board.html"><![CDATA[Board]]></category>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+governance.html"><![CDATA[Corporate Governance]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+law.html"><![CDATA[Corporate Law]]></category>
	</item>
	<item>
		<title><![CDATA[Five Tax Mistakes That Could Cost You an Audit]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265920]]></link>
		<description><![CDATA[Every year millions of Americans make mistakes that red flag their tax returns for audit. It's scary to get the notice that one's return has been selected for audit. That audit anxiety is what the IRS uses to help keep taxpayers honest. Audit anxiety is an important part of the...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 11 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/audit.html"><![CDATA[Audit]]></category>
		<category domain="http://resources.bnet.com/topic/tax.html"><![CDATA[Tax]]></category>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/audit+anxiety.html"><![CDATA[Audit Anxiety]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Housing Pilot Program Highlights Needs of Canadian Students]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265922]]></link>
		<description><![CDATA[Single parents and university students are among Canada's most financially-challenged groups when it comes to having enough left over each month to pay their rent. Single parents who are also full-time students face unique financial stress. While they may be ready to make drastic cuts to afford their education, they...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 10 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/student.html"><![CDATA[Student]]></category>
		<category domain="http://resources.bnet.com/topic/pilot+program.html"><![CDATA[Pilot Program]]></category>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Mortgage Rate "Buydowns" Can Sell Houses in Slow Markets]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265926]]></link>
		<description><![CDATA[To help move at least some of the unsold houses glutting local markets, lenders are beginning to look "Back to the future" for financing techniques that worked in the tough times of the 1980s. One creative technique is known as a mortgage rate "Buydown." Rather than lower the asking price...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 09 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/technique.html"><![CDATA[Technique]]></category>
		<category domain="http://resources.bnet.com/topic/house.html"><![CDATA[House]]></category>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/productivity.html"><![CDATA[Productivity]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></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[Nolo.com's Handy Legal Companion]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265928]]></link>
		<description><![CDATA[A new book's cover is adorned with the portrait of a handsome Labrador Retriever, a breed that often serves as a guide dog for people who are visually impaired. The book's title, "Your Little Legal Companion," along with a dog's mug shot, at first glance, could lead one to put...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 09 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/dog.html"><![CDATA[Dog]]></category>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/nolo.com.html"><![CDATA[Nolo.com]]></category>
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	<item>
		<title><![CDATA[Reducing Utility Costs Doesn't Have to Be High-Energy Task]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265930]]></link>
		<description><![CDATA[A well-sealed home is an energy-efficient home that can save a person as much as 10 to 15 percent on the heating bill. To make sure the home isn't losing heat through leaks, the person should be sure to check the caulking and weather-stripping, and replace or repair it before...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 09 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
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	<item>
		<title><![CDATA[Do You Marry the Credit Score?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265932]]></link>
		<description><![CDATA[Good credit doesn't erase bad credit. In fact, bad credit will kill the deal altogether. And scores aren't averaged, they're examined independently and the 400 score would render the 800 score impotent. If a spouse or joint borrower has bad credit, and the person with good credit can qualify on...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 06 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/credit.html"><![CDATA[Credit]]></category>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></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[Realty TV Stretches Investment Reality]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265934]]></link>
		<description><![CDATA[One should not believe everything he sees on television. Some documentaries, news reports, other well-researched features, as well as entire cable networks, do provide educational content as worthy as that from a college or university curriculum. However, most TV programming comes from the realm of entertainment where the emphasis is...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 06 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/programming.html"><![CDATA[Programming]]></category>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/tvs.html"><![CDATA[TVs]]></category>
		<category domain="http://resources.bnet.com/topic/tv+%2526+home+theater.html"><![CDATA[Tv & Home Theater]]></category>
		<category domain="http://resources.bnet.com/topic/development+tools.html"><![CDATA[Development Tools]]></category>
		<category domain="http://resources.bnet.com/topic/personal+technology.html"><![CDATA[Personal Technology]]></category>
		<category domain="http://resources.bnet.com/topic/home+entertainment.html"><![CDATA[Home Entertainment]]></category>
		<category domain="http://resources.bnet.com/topic/software+development.html"><![CDATA[Software Development]]></category>
		<category domain="http://resources.bnet.com/topic/software%252fweb+development.html"><![CDATA[Software/Web Development]]></category>
	</item>
	<item>
		<title><![CDATA[Coping With Stiffer Lending Rules]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265938]]></link>
		<description><![CDATA[Federal monetary regulators published final rules for "Interagency Guidance on Nontraditional Mortgage Products" and "Credit Risk Management Guidance For Home Equity Lending". The rules are designed to curtail the rise in the risky business of "Nontraditional," "Alternative," "Exotic," even "Toxic" mortgages, including interest-only, payment-option, piggy-back, stated-income (no-doc) and other types...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 03 Oct 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></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[Don't Let an Over-Priced Home Be a Humbling Lesson]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=266047]]></link>
		<description><![CDATA[The majority of buyers use buyers' agents to assist them with purchasing a property. Buyers' agents will help the buyers find a home that's right for them. If their buyers are interested in a particular home and it is priced too high based on comparable properties sold then the buyers'...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 02 Oct 2006 00:00:00 -0700</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/realty+times.html"><![CDATA[Realty Times]]></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[Getting Into Real Estate for the Long Haul]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=266005]]></link>
		<description><![CDATA[They represent the future of real estate in this time of uncertainty - 17 bright-eyed and eager students, median age 40, sitting for three hours in a classroom while the author clicks slowly through a 50-slide Power Point presentation with embedded video and audio. These are small investors, a mixed...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 28 Sep 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></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[To Buy Into a TIC or Not - That Is the Question]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265940]]></link>
		<description><![CDATA[As baby boomers get older and closer to retirement, and the stock market continues to underperform, many investors have been driven to real estate investing. This demand has created a 'Boomlet' that has significantly increased the pricing, and thereby the purchase cost, of real estate in many parts of the...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 27 Sep 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></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[HOA Insurance Deductible Alert]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=266200]]></link>
		<description><![CDATA[In a homeowner association environment, there are two major types of insurance policies: the insurance carried by the HOA and insurance carried by the individual owners. In condominiums, the HOA's insurance generally extends to the entire property, including the units themselves. However, to protect the HOA's insurability, unit owners are...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 27 Sep 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></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/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>
	</item>
	<item>
		<title><![CDATA[Lifestyle Choices Affect Bottom Line]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265942]]></link>
		<description><![CDATA[When it comes to eventually moving into that dream home a person has always wanted, he should keep in mind that many of the choices people make on a house are really driven by lifestyle desires, rather than lifestyle needs. More bedrooms means more time to clean, more expensive to...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 22 Sep 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Don't Like the Market?: Look Again]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265944]]></link>
		<description><![CDATA[Advertising is one of the methods sellers use to gauge whether the listing agent is doing his or her job. But that is a topic for another time. Considering that most of this bad news is based on statistics compiled by the National Association of Realtors, Commerce Department, National Association...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 14 Sep 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/recruitment+%2526+selection.html"><![CDATA[Recruitment & Selection]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></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>
	</item>
	<item>
		<title><![CDATA[Questions to Ask Before Buying a Condo]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265946]]></link>
		<description><![CDATA[Condominium ownership is becoming quite popular throughout the United States. Especially, but not only, in the big cities. It seems as if condominium developments might be a win-win for everybody. For homeowners, they can be a very efficient and sometimes luxurious way of enjoying a nice lifestyle. For builders, they...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 14 Sep 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/condominium+ownership.html"><![CDATA[Condominium Ownership]]></category>
		<category domain="http://resources.bnet.com/topic/roi%252ftco.html"><![CDATA[Roi/Tco]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/managerial+accounting.html"><![CDATA[Managerial Accounting]]></category>
	</item>
	<item>
		<title><![CDATA[Three Ws of HOA Reserves]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=266201]]></link>
		<description><![CDATA[Reserve studies are one of the most powerful planning tools in an HOA board's arsenal. It provides a 30 year schedule for major repairs and replacements and a funding plan so the board can gather the gold it needs to get projects done as they come due. It's a wonderful...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 13 Sep 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/board.html"><![CDATA[Board]]></category>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+governance.html"><![CDATA[Corporate Governance]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+law.html"><![CDATA[Corporate Law]]></category>
	</item>
	<item>
		<title><![CDATA[Determining Rent Determines Your Wealth]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265948]]></link>
		<description><![CDATA[One of the most important aspects of the investment game is creating a positive cash flow from one's rental properties. The basic principles apply: buy low/sell high; cover monthly expenses with monthly rental payments; go to the bank a happier, richer person. Setting up just how much a person wants...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 08 Sep 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/realty+times.html"><![CDATA[Realty Times]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
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