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	<title>Karen&#039;s Perspective&#187; Government Regulations and Programs</title>
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	<description>Wish I’d known this before…</description>
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		<item>
		<title>The Internet Goes on Strike</title>
		<link>http://www.karensperspective.com/the-internet-goes-on-strike/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-internet-goes-on-strike</link>
		<comments>http://www.karensperspective.com/the-internet-goes-on-strike/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 17:05:49 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[internet]]></category>
		<category><![CDATA[SOPA]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9746</guid>
		<description><![CDATA[You may have noticed that Wikipedia and others have taken down their sites today in protest of a bill before Congress to censor the internet. Watch this video to get an idea of what this censorship could mean to you. ****Update**** In case you didn&#8217;t&#8230;]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>RUCO Laws &#8211; Are They Still in Effect?</title>
		<link>http://www.karensperspective.com/ruco-laws-are-they-still-in-effect/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=ruco-laws-are-they-still-in-effect</link>
		<comments>http://www.karensperspective.com/ruco-laws-are-they-still-in-effect/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 14:59:51 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Greensboro]]></category>
		<category><![CDATA[Landlording]]></category>
		<category><![CDATA[Property Management]]></category>
		<category><![CDATA[RUCO]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9542</guid>
		<description><![CDATA[In June, the NC General Assembly voted to amend the state RUCO laws (Rental Unit Certificate of Occupation). Until June, the law had been that, before a property could be rented out, it had to be checked by a RUCO inspector and was not deemed&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Bulk Selling of REOs &#8211; How Will it Impact You?</title>
		<link>http://www.karensperspective.com/new-bulk-selling-of-reos-how-will-it-impact-you/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=new-bulk-selling-of-reos-how-will-it-impact-you</link>
		<comments>http://www.karensperspective.com/new-bulk-selling-of-reos-how-will-it-impact-you/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 15:35:51 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[REO]]></category>
		<category><![CDATA[bulk reo]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Freddie Mac]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9419</guid>
		<description><![CDATA[For those who aren&#8217;t familiar with the term REO, it&#8217;s short for Real Estate Owned and refers to properties that have gone through the foreclosure process, did not sell, so the bank has taken over as the owner on record for that property. The original&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/new-bulk-selling-of-reos-how-will-it-impact-you/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Message to Congress on Small Home Mortgage Foreclosures</title>
		<link>http://www.karensperspective.com/message-to-congress-on-small-home-mortgage-foreclosures/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=message-to-congress-on-small-home-mortgage-foreclosures</link>
		<comments>http://www.karensperspective.com/message-to-congress-on-small-home-mortgage-foreclosures/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 15:21:19 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[franklin d. roosevelt]]></category>
		<category><![CDATA[homeowner]]></category>
		<category><![CDATA[homeownership]]></category>
		<category><![CDATA[mortgage debt]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9399</guid>
		<description><![CDATA[Special safeguards should be thrown around home ownership as a guarantee of social and economic stability, and that to protect home owners from inequitable enforced liquidation in a time of general distress is a proper concern of the Government. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Rules Concerning Short Sales</title>
		<link>http://www.karensperspective.com/new-rules-concerning-short-sales/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=new-rules-concerning-short-sales</link>
		<comments>http://www.karensperspective.com/new-rules-concerning-short-sales/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 16:01:47 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[investor]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9382</guid>
		<description><![CDATA[Have you been, or will you be, involved with a short sale? Beginning January 2012, new rules: Starting January 2012, everyone involved in a short sale will be liable for “negligent or intentional misrepresentations in the transaction” and will have to sign affidavits stating that&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Hiring an Employee or an Independent Contractor?</title>
		<link>http://www.karensperspective.com/are-you-hiring-an-employee-or-an-independent-contractor/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=are-you-hiring-an-employee-or-an-independent-contractor</link>
		<comments>http://www.karensperspective.com/are-you-hiring-an-employee-or-an-independent-contractor/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 16:10:23 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[employee]]></category>
		<category><![CDATA[independent contractor]]></category>
		<category><![CDATA[IRS]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9330</guid>
		<description><![CDATA[And do you know the difference? The IRS does, and they&#8217;re checking your records. Employee &#8211; Generally, you must withhold income taxes, withhold and pay Social Security and Medicare taxes, and pay unemployment tax on wages. Independent contractor &#8211; You do not generally have to&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/are-you-hiring-an-employee-or-an-independent-contractor/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Forecosure Avoidance Programs = Failure</title>
		<link>http://www.karensperspective.com/forecosure-avoidance-programs-failure/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=forecosure-avoidance-programs-failure</link>
		<comments>http://www.karensperspective.com/forecosure-avoidance-programs-failure/#comments</comments>
		<pubDate>Tue, 18 Oct 2011 15:46:43 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[HARP]]></category>
		<category><![CDATA[making homes affordable]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9082</guid>
		<description><![CDATA[&#160; The following is taken almost verbatim from a Tuesday, October 11, 2011, article by Ken Harney found in Inman News™. Rather than trying to summarize, I edited to leave in highlights of this important &#8220;admission&#8221; by a group other than homeowners that the government&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/forecosure-avoidance-programs-failure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Reduce Everyday Bills</title>
		<link>http://www.karensperspective.com/how-to-reduce-everyday-bills/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-reduce-everyday-bills</link>
		<comments>http://www.karensperspective.com/how-to-reduce-everyday-bills/#comments</comments>
		<pubDate>Tue, 20 Sep 2011 14:01:53 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Building - Renovating]]></category>
		<category><![CDATA[Caring for Your Home]]></category>
		<category><![CDATA[Government Regulations and Programs]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=8886</guid>
		<description><![CDATA[Want to save some money pretty easily? Check out this list: Lower your mortgage rate. Yup. Especially if you have a loan backed by Fannie Mae or Freddie Mac &#8211; this is the perfect time. The Home Affordable Refinance Program has been extended until June&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/how-to-reduce-everyday-bills/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Home Affordable Refinanace Program for investors!</title>
		<link>http://www.karensperspective.com/home-affordable-refinanace-program-for-investors/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=home-affordable-refinanace-program-for-investors</link>
		<comments>http://www.karensperspective.com/home-affordable-refinanace-program-for-investors/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 14:36:21 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Borrowing and Lending]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[home affordable refinance program]]></category>
		<category><![CDATA[triad mastermind]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=8874</guid>
		<description><![CDATA[Did you know that the Home Affordable Refinance Program does apply to investors? With no credit check, no tax returns to submit, no bank statements, no appraisals, by the way. Are you an investor? Do you need a bank loan?]]></description>
		<wfw:commentRss>http://www.karensperspective.com/home-affordable-refinanace-program-for-investors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Real Estate Owned Properties Portal</title>
		<link>http://www.karensperspective.com/reos-from-freddie-fannie-and-fha/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=reos-from-freddie-fannie-and-fha</link>
		<comments>http://www.karensperspective.com/reos-from-freddie-fannie-and-fha/#comments</comments>
		<pubDate>Sun, 14 Aug 2011 15:53:17 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[REO]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Freddie Mac]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=8559</guid>
		<description><![CDATA[&#160; The US Department of Housing and Urban Development has a property portal that takes you directly to REO properties from Fannie Mae, Freddie Mac and FHA. On their map, you can find REOs anywhere in the country or drill down to your specific target&#8230;]]></description>
		<wfw:commentRss>http://www.karensperspective.com/reos-from-freddie-fannie-and-fha/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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