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<title>Jeffery Adams - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Jeffery_Adams</link>
<pubDate>Wed, 15 Feb 2012 03:39:28 -0600</pubDate>
<image><title>Jeffery Adams - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Jeffery_Adams</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Jeff Adams is the nation's leading expert in finding motivated sellers, hungry buyers, and private lenders through the Internet. His automated online investing system for attracting buyers, sellers, and investors has allowed him to do over 350 deals since 1995...while having a regular job the whole time as a firefighter! After working at real estate investing the hard way, Jeff finally swore to himself that he'd had enough: He then invested serious time and money into creating systems that would pay off in less aggravation, more time, and more profits! Jeff developed systems that meant... -He could stop knocking on ... ]]></description>
<lastBuildDate>Mon, 25 Aug 2008 08:39:29 -0500</lastBuildDate>
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<title>How to Make Money From Foreclosures</title>
<link>http://EzineArticles.com/1430126</link>
<guid>http://EzineArticles.com/1430126</guid>
<pubDate>Mon, 25 Aug 2008 08:39:29 -0500</pubDate>
<description><![CDATA[Foreclosures work differently from state to state, but the basics are pretty standard: When a homeowner starts missing mortgage payments, the bank gives notice to the homeowner and to the local government that the loan is delinquent. After a time, the bank is allowed to commence a repossession process that can result in the house being auctioned off to the highest bidder. The process can take weeks or months to play out; anywhere along the way, a homeowner retains the power make good with the bank.]]></description>
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<title>How Mortgage Foreclosures Work</title>
<link>http://EzineArticles.com/1426534</link>
<guid>http://EzineArticles.com/1426534</guid>
<pubDate>Fri, 22 Aug 2008 07:55:24 -0500</pubDate>
<description><![CDATA[If you want to buy a foreclosure property at a bargain below-market price, you need to know how foreclosures work. The first step in a foreclosure on a mortgage, deed of trust, mechanics' lien, income tax lien, judgment lien or homeowner's association lien is to record a notice of default or file a judicial lawsuit against the defaulting homeowner. Exact procedures vary in each state.]]></description>
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<title>The Global Real Estate Investment Market Depends on Foreclosures</title>
<link>http://EzineArticles.com/1423359</link>
<guid>http://EzineArticles.com/1423359</guid>
<pubDate>Wed, 20 Aug 2008 10:58:36 -0500</pubDate>
<description><![CDATA[What I will explain here seems, at first, to fly against the face of logic but it has been born out of my own very direct experience of the foreclosure market and the real estate business and it actually represents the way these things work far more closely than market analysts would have you believe.     The global real estate investment market depends on foreclosures because it is foreclosures that are responsible for releasing properties from a kind of limbo where they are locked in a 'dead money' debt-ridden zone and generating cash for investors, lenders and ...]]></description>
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<title>Why Do Foreclosures Happen?</title>
<link>http://EzineArticles.com/1413705</link>
<guid>http://EzineArticles.com/1413705</guid>
<pubDate>Tue, 19 Aug 2008 10:37:35 -0500</pubDate>
<description><![CDATA[So much attention has been given lately to the number of foreclosures that we should expect to see in the United States over the coming years that few people have stopped to consider why exactly foreclosures happen in the first place.  I am going to be a little glib here and say there are about as many reasons why foreclosures happen as there are home owners defaulting on their loans but that would not help answer the question so I am going to take a more general view and see if the reasons a foreclosure happens...]]></description>
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<title>Is a Recession Going to Increase Foreclosures and Is That a Bad Thing?</title>
<link>http://EzineArticles.com/1410389</link>
<guid>http://EzineArticles.com/1410389</guid>
<pubDate>Tue, 19 Aug 2008 10:11:46 -0500</pubDate>
<description><![CDATA[We have got to a stage of our global economy where it looks likely that there will be a recession. While no one really wants to have to face one and while some economists still argue that what will happen will be a sever economic slow down rather than a full-blown recession, I take the view that they are hair-splitting.  Whichever happens the results will be largely the same: tough times for the economy and for everyone involved in the service industry and that includes real estate.]]></description>
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<title>Foreclosures Open Up Fresh Opportunities For Savvy Investors</title>
<link>http://EzineArticles.com/1403853</link>
<guid>http://EzineArticles.com/1403853</guid>
<pubDate>Fri, 15 Aug 2008 14:00:21 -0500</pubDate>
<description><![CDATA[The rise in foreclosures that we are experiencing this year poses a challenge our economy simply cannot afford to ignore. For real estate investors the deal is always to find ways to create value out of situations which are seemingly bad.  I say seemingly because there is no cloud without a silver lining and the foreclosure crisis is the perfect example.]]></description>
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<title>Foreclosures Are the Backbone of a Revitalized Economy</title>
<link>http://EzineArticles.com/1391589</link>
<guid>http://EzineArticles.com/1391589</guid>
<pubDate>Tue, 12 Aug 2008 09:25:45 -0500</pubDate>
<description><![CDATA[This is exactly what happened in the second half of 2007 and has sufficient momentum to continue to occur in the first few months of 2008. The reason the number of foreclosures increased beyond what the system can safely accommodate and beyond the level which it is normally designed to handle is down to predatory lending practices by specific mortgage lending providers, many of which have now, quite rightly, gone out of business. ]]></description>
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<title>Mortgage Industry Shake Up is Good News For Borrowers</title>
<link>http://EzineArticles.com/1388007</link>
<guid>http://EzineArticles.com/1388007</guid>
<pubDate>Mon, 11 Aug 2008 10:09:51 -0500</pubDate>
<description><![CDATA[The U.S. mortgage industry is undergoing the most intensive restructuring it has ever been under and some of it still going on as I write this. To be sure, all this restructuring, or rather the need for it, has been self-inflicted. 
]]></description>
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<title>What the Mortgage Turmoil Really Means For Borrowers</title>
<link>http://EzineArticles.com/1384776</link>
<guid>http://EzineArticles.com/1384776</guid>
<pubDate>Fri, 08 Aug 2008 13:06:22 -0500</pubDate>
<description><![CDATA[As I write this the historical has happened: The Fed has, for the first time in 25 years, reduced interest rates for borrowers by a whopping 0.75%, that's three quarters of one per cent which, may not sound that much if we are talking about, say, borrowing a dollar, but the moment you multiply this by a few tens or hundreds of thousands it adds up faster than you can say "market revitalisation strategy".    ]]></description>
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<title>Subprime ARMs Are Not to Blame For Foreclosures</title>
<link>http://EzineArticles.com/1369232</link>
<guid>http://EzineArticles.com/1369232</guid>
<pubDate>Mon, 04 Aug 2008 08:43:03 -0500</pubDate>
<description><![CDATA[It's no coincidence that states with the largest shares of adjustable-rate mortgages -Nevada, California, Arizona, Florida, and Colorado- are also among the states with the highest levels of foreclosures. The link between adjustable rate mortgage (ARM) concentrations and foreclosures has become increasingly apparent in the year or so since the subprime loans that originated at the top of the market started resetting. This has made the temptation to blame ARMs as the reason for the high number of foreclosures incredibly hard to resist and very few media types has been able to do so.]]></description>
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<title>Foreclosures Are Forcing Better Education of the House-Buying Public</title>
<link>http://EzineArticles.com/1366199</link>
<guid>http://EzineArticles.com/1366199</guid>
<pubDate>Fri, 01 Aug 2008 11:02:40 -0500</pubDate>
<description><![CDATA[The moment the Lake County Foreclosure Prevention Task Force decided to make public education the group's first major goal to help curb the rise of foreclosures within the county it highlighted the fact that a crisis of any kind is always a party of two parts.   The foreclosure crisis threatening the stability of the U.S. real estate system and the stability of our economy has been brought on by predatory mortgage lending practices, to a certain degree. ]]></description>
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<title>Foreclosures Lead to Altered Behaviour by Lenders</title>
<link>http://EzineArticles.com/1363086</link>
<guid>http://EzineArticles.com/1363086</guid>
<pubDate>Thu, 31 Jul 2008 11:38:42 -0500</pubDate>
<description><![CDATA[Countrywide Financial Corporation, America's biggest mortgage lender and now part of the Bank of America Corporation, made headlines when it announced that it had restructured 81,000 mortgages in order to permit borrowers to avoid foreclosure and stay in their homes.    You would expect a foreclosure expert, like me, who has often stated that foreclosures are part of the balancing mechanism of our free market economy and a means for the real estate and mortgage lending system to self-correct, to say that this is disastrous news.  ]]></description>
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<title>Foreclosures Challenge Our Economy and Our Way of Thinking</title>
<link>http://EzineArticles.com/1350919</link>
<guid>http://EzineArticles.com/1350919</guid>
<pubDate>Tue, 29 Jul 2008 11:20:34 -0500</pubDate>
<description><![CDATA[In a perfect world everyone who ever buys a house gets to own it, never defaults on their mortgage payment and lives happily ever after. The world is far from perfect and when it comes to owning a house and making the Great American Dream real we all face the stark reality of balancing payments, other commitments, priorities and the possibility that our precariously balanced house of cards may come tumbling down upon us.     Within this context it is easy to see that foreclosures are punitive measures.]]></description>
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<title>Foreclosures Cast Stark Light on Fairness Argument For Subprime Mortgage Holders</title>
<link>http://EzineArticles.com/1347922</link>
<guid>http://EzineArticles.com/1347922</guid>
<pubDate>Mon, 28 Jul 2008 16:01:22 -0500</pubDate>
<description><![CDATA[I am going to go out on a limb here. Normally when I write articles I cover the foreclosure market conditions and explain the relationship governing the health of the real estate economy and the health of the country's economy.  This time I am going to look at something a little less substantial but probably a lot more topical and it is 'fairness'.]]></description>
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<title>Dip in National Foreclosures May Signal Rise in Real Estate Fortunes</title>
<link>http://EzineArticles.com/1344519</link>
<guid>http://EzineArticles.com/1344519</guid>
<pubDate>Mon, 28 Jul 2008 10:17:08 -0500</pubDate>
<description><![CDATA[When the Mortgage Bankers' Association (MBA) conducts a survey that covers over 44 million mortgage holders you can bet your bottom dollar that the results are more than worth pouring over.  The MBA did just that in 2007 seeking to analyze trends in the foreclosures market and predict what would happen next within real estate in the U.S., which also, looks at the state of the national economy.]]></description>
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<title>Will Foreclosures Ever Regain Their Good Reputation?</title>
<link>http://EzineArticles.com/1334979</link>
<guid>http://EzineArticles.com/1334979</guid>
<pubDate>Wed, 23 Jul 2008 09:00:45 -0500</pubDate>
<description><![CDATA[Given the experiences we have had for most of 2007 regarding foreclosures to even suggest that at some point they might have had a good reputation seems to fly against common logic and totally go against the grain.     And yet, foreclosures are far from bad. Yes, they are sometimes tragic because they represent the failure of a person's reaching for the great American Dream of owning a home.]]></description>
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<title>Mortgage Relief Plan Does Not Go Far Enough</title>
<link>http://EzineArticles.com/1331808</link>
<guid>http://EzineArticles.com/1331808</guid>
<pubDate>Tue, 22 Jul 2008 10:26:32 -0500</pubDate>
<description><![CDATA[I know it's unusual for a foreclosure expert to stress that what we need in order to make the real estate market work properly now is a mortgage relief plan that really delivers the goods, but I will explain why I say this. Foreclosures, as I have noted in countless articles and speeches across the country, are a balancing mechanism that is an integral part of the mechanics of our real estate system and our economy. ]]></description>
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<title>Foreclosures Will Continue If There is a Solvency Issue at Big Banks</title>
<link>http://EzineArticles.com/1328150</link>
<guid>http://EzineArticles.com/1328150</guid>
<pubDate>Sun, 20 Jul 2008 18:37:56 -0500</pubDate>
<description><![CDATA[Foreclosures reached epic proportions for much of 2007 because the real estate market suffered an unprecedented global credit crunch during which many traditional lenders stopped lending money and started chasing late payers and non-payers and foreclosing on their properties. This turned foreclosures, essentially a balancing mechanism within the real estate market, into a ticking time-bomb which threatened the global economy and which was fast becoming an issue because of liquidity.  Liquidity means that as investor and saver confidence started waning banks were facing the possibility that should there be a run they ...]]></description>
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<title>Real Estate Investors Are the Catalyst in the Real Estate Market</title>
<link>http://EzineArticles.com/1324923</link>
<guid>http://EzineArticles.com/1324923</guid>
<pubDate>Thu, 17 Jul 2008 16:29:29 -0500</pubDate>
<description><![CDATA[The moment you have a slow down in the real estate market you begin to realize the vital role played by real estate investors. As the name suggests real estate investors are there to invest in the market which means they go to great lengths to do their research and they take greater risks than ordinary buyers and sellers precisely because they are creative in the way they buy and sell property and are able to find both buyers and sellers in the most unlikely areas.]]></description>
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<title>Foreclosures Will Start to Ease Off As Credit Crunch Dissipates</title>
<link>http://EzineArticles.com/1318655</link>
<guid>http://EzineArticles.com/1318655</guid>
<pubDate>Tue, 15 Jul 2008 15:22:26 -0500</pubDate>
<description><![CDATA[It's true what they say. Money really does make the world go round and the lack of it can threaten to bring the world to a standstill.]]></description>
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<title>Foreclosures Offer Opportunities As Real Estate Market Picks Up Steam</title>
<link>http://EzineArticles.com/1315652</link>
<guid>http://EzineArticles.com/1315652</guid>
<pubDate>Tue, 15 Jul 2008 07:57:32 -0500</pubDate>
<description><![CDATA[The engine of the real estate market is new home buyers. It is this which drives new homes, the sale of existing ones and enables the entire chain of supply and demand to move on as existing property owners upgrade their homes and move to new ones.     New home buyers however rely on credit and the global credit crunch was threatening to slow down their lifeline and turn a vibrant real estate scene into a stagnant pond with no new home buyers entering the scene and little real movement in real estate.]]></description>
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<title>Foreclosures Produce a Win-Win Situation</title>
<link>http://EzineArticles.com/1312211</link>
<guid>http://EzineArticles.com/1312211</guid>
<pubDate>Fri, 11 Jul 2008 11:51:43 -0500</pubDate>
<description><![CDATA[Foreclosures have been getting so much bad publicity in the press lately that to say they are a good thing and produce a win-win scenario for real estate investors, lenders and even homeowners is to fly in the face of reason but let's examine things for a moment through a scenario that actually happened to me.     I once bought a house for just $3,000. The couple who owned it had to move due to work commitments.]]></description>
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<title>Why the Wrong Type of Foreclosure Can Hurt the Economy</title>
<link>http://EzineArticles.com/1309118</link>
<guid>http://EzineArticles.com/1309118</guid>
<pubDate>Thu, 10 Jul 2008 14:29:00 -0500</pubDate>
<description><![CDATA[The entire structure of our U.S. economy is based upon the principle of free market conditions. This means that markets are pretty much left to regulate themselves and create built-in balancing mechanisms that ensure that the market is not overheating and it is not stagnating. 
]]></description>
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<title>Foreclosures Signal a Need For Change in the Real Estate Market</title>
<link>http://EzineArticles.com/1305744</link>
<guid>http://EzineArticles.com/1305744</guid>
<pubDate>Wed, 09 Jul 2008 15:02:20 -0500</pubDate>
<description><![CDATA[There are currently $8.5 trillion in outstanding debt a quarter of which is owed by adjustable rate mortgages (ARMs). Adjustable rate mortgages are at the heart of a huge national debate revolving around predatory lending practices and they are exactly what the problem is.]]></description>
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<title>Foreclosures Move to Upmarket Homes</title>
<link>http://EzineArticles.com/1296977</link>
<guid>http://EzineArticles.com/1296977</guid>
<pubDate>Mon, 07 Jul 2008 14:46:43 -0500</pubDate>
<description><![CDATA[Foreclosures used to predominantly be in the $20,000 - $60,000 market with an incremental build up once property prices started overheating that did not exceed the $90,000 mark.     Expensive houses, as a rule, did not hit the foreclosure market unless there had been some monumental catastrophe like a death in the family or serious illness which affected the family finances. Not anymore apparently if the latest listings in Baldwin County are anything to go by.]]></description>
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<title>Predatory Lending is at the Heart of Growing Foreclosure Issues</title>
<link>http://EzineArticles.com/1293915</link>
<guid>http://EzineArticles.com/1293915</guid>
<pubDate>Thu, 03 Jul 2008 15:36:13 -0500</pubDate>
<description><![CDATA[The great debate, right now, is whether the Fed should step in and regulate foreclosures or should we let the free market regulate itself through its own controls, checks and balances.     First let's establish that under the Home Ownership & Equity Protection Act of 1994, the Fed has the power to set such regulation which compels lenders to tighten up on their lending practices and establish a more transparent lending process that is a lot less predatory than some we see at the moment.     According to ACORN, as one of the nation's ...]]></description>
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<title>Foreclosure Increases Led by Just Four States and That's Great News!</title>
<link>http://EzineArticles.com/1287719</link>
<guid>http://EzineArticles.com/1287719</guid>
<pubDate>Wed, 02 Jul 2008 13:22:09 -0500</pubDate>
<description><![CDATA[What is probably happening is that we now are beginning to enter the phase where the number of foreclosures is reaching a plateau prior to the market picking up and the four States....]]></description>
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<title>Foreclosures Have Led to Tighter Lending by Mortgage Companies</title>
<link>http://EzineArticles.com/1272537</link>
<guid>http://EzineArticles.com/1272537</guid>
<pubDate>Thu, 26 Jun 2008 10:16:19 -0500</pubDate>
<description><![CDATA[The number of foreclosures coming into the U.S. market have led to a large number of defaulting borrowers and a credit crunch which has made it harder for new borrowers to borrow more money.]]></description>
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<title>Foreclosures Are This Century's Biggest Investment Possibility</title>
<link>http://EzineArticles.com/1269741</link>
<guid>http://EzineArticles.com/1269741</guid>
<pubDate>Wed, 25 Jun 2008 12:00:50 -0500</pubDate>
<description><![CDATA[Foreclosures are on the increase and the country's national Press is busy vilifying the lenders and borrowers. The former for lax lending practices and checks and the latter for being insufficiently transparent about their ability to handle the mortgages they were taking out in the first place.     Certainly foreclosures, at one level, represent a market correction and a system crash that's deplorable.]]></description>
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<title>Overseas Banks Publish Exposure Figures in US Sub-Prime Mortgage Sector</title>
<link>http://EzineArticles.com/1261116</link>
<guid>http://EzineArticles.com/1261116</guid>
<pubDate>Mon, 23 Jun 2008 10:27:54 -0500</pubDate>
<description><![CDATA[The moment Barclays, a UK bank with a banking tradition stretching back to 1896, has to publish an extraordinary public statement adding greater transparency to its exposure in the U.S. sub-prime mortgage market you realize that the global economy is now here to stay and that the U.S. economy is still at the centre of the world. The reason the activities of a UK bank are important for the U.S. sub-prime mortgage market and foreclosures is because it is the clearest indication to date of the interconnectedness of markets and the value of U.S. homes to the economy not just of our country but, as it turns out, the rest of the world. ]]></description>
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<title>The Sub-Prime Lending Market Does Not Need to Go But it Does Need Regulating</title>
<link>http://EzineArticles.com/1258229</link>
<guid>http://EzineArticles.com/1258229</guid>
<pubDate>Fri, 20 Jun 2008 11:07:41 -0500</pubDate>
<description><![CDATA[The great American Dream is to own your own home and start building your wealth and it is so deeply rooted to the heart of our economy that it has become, without exaggeration, the engine that drives the world.     Take the sub-prime mortgage sector for instance. At the last count the exposure of banks and money institutions around the world in the sub-prime mortgage market amounted to $1 trillion.]]></description>
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<title>The State of the US Housing Market is Reflected by Florida and Texas</title>
<link>http://EzineArticles.com/1256090</link>
<guid>http://EzineArticles.com/1256090</guid>
<pubDate>Thu, 19 Jun 2008 14:41:22 -0500</pubDate>
<description><![CDATA[The macro-economics of the U.S. and, quite possibly, the world are reflected in the reviving micro-economies of the States of Florida and Texas. The diversity of properties and property-types and the demand for properties in both these States makes them prime examples of what will happen with the rest of the U.S. ]]></description>
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<title>What Does it Take to Make a Killing Out of the US Foreclosure Market?</title>
<link>http://EzineArticles.com/1252245</link>
<guid>http://EzineArticles.com/1252245</guid>
<pubDate>Wed, 18 Jun 2008 15:12:32 -0500</pubDate>
<description><![CDATA[The U.S. foreclosure market is a great opportunity for real estate investors and new-house bargain hunters to get a foot in the door at great prices. Given the fact that foreclosures do represent a certain amount of financial pain and failed dreams it is, perhaps, a slightly hard-hearted thing to say. ]]></description>
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<item>
<title>Consumer Confidence is Rebounding But Will it Save the Housing Market?</title>
<link>http://EzineArticles.com/1246704</link>
<guid>http://EzineArticles.com/1246704</guid>
<pubDate>Tue, 17 Jun 2008 11:32:32 -0500</pubDate>
<description><![CDATA[America is a place where consumer confidence, that fickle, ethereal almost, indicator of a market's health, is closely linked to natural disasters and national crises. Let's look at 9/11 for example. Consumer confidence right across the US plummeted the day after the attacks and took more than eighteen months to recover, a period during which, much of the economy was driven through tourism and foreign income from Britain and Europe. 
]]></description>
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<item>
<title>If You Can Opt Out of the Rat Race, Would You Not Seize the Opportunity?</title>
<link>http://EzineArticles.com/1241214</link>
<guid>http://EzineArticles.com/1241214</guid>
<pubDate>Fri, 13 Jun 2008 14:00:10 -0500</pubDate>
<description><![CDATA[There is something about predictability that's downright depressing. Perhaps it has something to do with the fact that if it's predictable it is not new and if it is predictable it is not surprising.     As people, we are intrigued by the unpredictable and attracted by the new and it is exactly at this point and under this light that we must examine the real estate foreclosure market.]]></description>
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<title>Should Lending Practices Be Changed?</title>
<link>http://EzineArticles.com/1238216</link>
<guid>http://EzineArticles.com/1238216</guid>
<pubDate>Thu, 12 Jun 2008 14:59:50 -0500</pubDate>
<description><![CDATA[Money really does make the world go round. Everyone knows that and it's money that drives the real estate market. The money that's bought in (i.e. loaned by lenders to potential home owners) and the money that is made through the sale of houses and the speculation of property investors. ]]></description>
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<title>The Real Estate Market is Undergoing a Correction</title>
<link>http://EzineArticles.com/1171122</link>
<guid>http://EzineArticles.com/1171122</guid>
<pubDate>Mon, 09 Jun 2008 13:06:16 -0500</pubDate>
<description><![CDATA[During the 20th century much of the real estate market was a case of boom and bust cycles which repeated themselves without anybody ever learning anything. This certainly was the case of the boom-and-bust cycle of the seventies and then the repeat of that in the eighties.]]></description>
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<title>Avoiding The Foreclosure Trap - A Quick Guide</title>
<link>http://EzineArticles.com/1158119</link>
<guid>http://EzineArticles.com/1158119</guid>
<pubDate>Mon, 12 May 2008 13:22:29 -0500</pubDate>
<description><![CDATA[Here's a nightmare scenario: You have bought your dream property and you are mortgaged to the hilt but managing. Just when you thought that you could make ends meet you lose one of your jobs and your wife begins to get ill. This is just the kind of situation which can turn a manageable credit crunch into a catastrophic scenario which leads to foreclosure.]]></description>
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