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	<title>Clay MADISEN - San Diego Real Estate Blog</title>
	
	<link>http://www.claymadisen.com/blog</link>
	<description>Clay Madisen, REALTOR®, is a California real estate broker specialized in the San Diego area market. His real estate blog offers buyers, sellers and investors tips &amp; advice, community information and much more. For additional resources, such as MLS search, House Valuation or Real Estate Market reports, visit Clay's website: www.ClayMadisen.com.</description>
	<lastBuildDate>Sun, 28 Jun 2009 08:48:14 +0000</lastBuildDate>
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			<geo:lat>32.579555</geo:lat><geo:long>-117.117086</geo:long><creativeCommons:license>http://creativecommons.org/licenses/by-nd/2.0/</creativeCommons:license><image><link>http://www.claymadisen.com</link><url>http://www.claymadisen.com/images/clay_small_bl.jpg</url><title>Clay Madisen - California Real Estate</title></image><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" href="http://feeds.feedburner.com/ClayMadisen_RealEstateBlog" type="application/rss+xml" /><feedburner:emailServiceId>ClayMadisen_RealEstateBlog</feedburner:emailServiceId><feedburner:feedburnerHostname>http://feedburner.google.com</feedburner:feedburnerHostname><feedburner:browserFriendly>Clay Madisen is a California Realtor specialized in the San Diego area market. His real estate blog offers buyers, sellers and investors tips &amp; advice, community information and much more. For additional resources, such as MLS search, House Valuation or Real Estate Market reports, visit Clay's website: www.ClayMadisen.com.</feedburner:browserFriendly><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com" /><item>
		<title>Making Home Affordable – Home</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/6DSkWeShYyM/</link>
		<comments>http://www.claymadisen.com/blog/2009/06/26/making-home-affordable-home/#comments</comments>
		<pubDate>Sat, 27 Jun 2009 03:15:53 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<description>Are you having trouble making that mortgage payment? Do you need some guidance finding a way to stay in your home?
Here are some resources and information that can help....&lt;br/&gt;
&lt;br/&gt;
[ This is a summary of the blog entry. For the full text and more content about San Diego and Real Estate, visit www.claymadisen.com ]&lt;div class="feedflare"&gt;
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		<item>
		<title>Recycle that old technology</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/__BnM7XNM2w/</link>
		<comments>http://www.claymadisen.com/blog/2009/05/13/recycle-that-old-technology/#comments</comments>
		<pubDate>Wed, 13 May 2009 22:59:25 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<description>http://www.lifecellproject.org&lt;br/&gt;
&lt;br/&gt;
[ This is a summary of the blog entry. For the full text and more content about San Diego and Real Estate, visit www.claymadisen.com ]&lt;div class="feedflare"&gt;
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		<item>
		<title>HUD Sec Shuan Donovan announce</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/dhVbRckjW0Y/</link>
		<comments>http://www.claymadisen.com/blog/2009/05/12/hud-sec-shuan-donovan-announce/#comments</comments>
		<pubDate>Wed, 13 May 2009 07:50:20 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
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		<description>HUD Sec Shuan Donovan announced at the NAR Summit that FHA will allow the first time home buyer credit to be used for dn pmt at closing.&lt;br/&gt;
&lt;br/&gt;
[ This is a summary of the blog entry. For the full text and more content about San Diego and Real Estate, visit www.claymadisen.com ]&lt;div class="feedflare"&gt;
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		<item>
		<title>Mortgage Foreclosure Resources</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/anqDzRAIUTw/</link>
		<comments>http://www.claymadisen.com/blog/2009/04/25/mortgage-foreclosure-resources/#comments</comments>
		<pubDate>Sun, 26 Apr 2009 05:08:54 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
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		<description>From the Federal Reserve:
http://preview.tinyurl.com/cqdm9k&lt;br/&gt;
&lt;br/&gt;
[ This is a summary of the blog entry. For the full text and more content about San Diego and Real Estate, visit www.claymadisen.com ]&lt;div class="feedflare"&gt;
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		<item>
		<title>STICKY – 5 Tips for avoiding Foreclosure Scams</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/97Zf_KoIBZM/</link>
		<comments>http://www.claymadisen.com/blog/2009/04/25/5-tips-for-avoiding-foreclosurescams/#comments</comments>
		<pubDate>Sun, 26 Apr 2009 05:07:01 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<slash:comments>0</slash:comments>
		<description>From the Federal Reserve :
http://www.federalreserve.gov/pubs/foreclosurescamtips/&lt;br/&gt;
&lt;br/&gt;
[ This is a summary of the blog entry. For the full text and more content about San Diego and Real Estate, visit www.claymadisen.com ]&lt;div class="feedflare"&gt;
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		<item>
		<title>Online Question: What’s to stop agents from stealing homes from potential buyers?</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/JJ4BiRqfNX0/</link>
		<comments>http://www.claymadisen.com/blog/2009/04/25/online-question-what-stops-agents-from-stealing-houses-from-potential-buyers/#comments</comments>
		<pubDate>Sun, 26 Apr 2009 03:05:24 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Buyers News]]></category>
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		<slash:comments>0</slash:comments>
		<description>This question was posted here, by a home-buyer.
Here is my answer to her question:
We are currently in an interesting market. Just as when the market was booming, here to, in a distressed market the...&lt;br/&gt;
&lt;br/&gt;
[ This is a summary of the blog entry. For the full text and more content about San Diego and Real Estate, visit www.claymadisen.com ]&lt;div class="feedflare"&gt;
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		<item>
		<title>Energy Efficiency Tax Credits – Are You Ready to Take Advantage?</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/OAN9jxHcU4M/</link>
		<comments>http://www.claymadisen.com/blog/2009/04/25/energy-efficiency-tax-credits-are-you-ready-to-take-advantage/#comments</comments>
		<pubDate>Sat, 25 Apr 2009 22:01:48 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<slash:comments>0</slash:comments>
		<description>Need to save a few dollars?
Here is an excellent article explaining tax credits avalable to you for improving your home and making it more energy efficient:&lt;br/&gt;
&lt;br/&gt;
[ This is a summary of the blog entry. For the full text and more content about San Diego and Real Estate, visit www.claymadisen.com ]&lt;div class="feedflare"&gt;
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		<item>
		<title>Old cell phones</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/NkblRHU4ftM/</link>
		<comments>http://www.claymadisen.com/blog/2009/03/30/old-cell-phone/#comments</comments>
		<pubDate>Mon, 30 Mar 2009 23:43:44 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<slash:comments>0</slash:comments>
		<description>Do you have some old cell phones laying around gathering dust?
Donate them to a good cause:
http://www.donatemycellphone.org&lt;br/&gt;
&lt;br/&gt;
[ This is a summary of the blog entry. For the full text and more content about San Diego and Real Estate, visit www.claymadisen.com ]&lt;div class="feedflare"&gt;
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		<item>
		<title>Hope Now Alliance</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/9BsPWX_XE8k/</link>
		<comments>http://www.claymadisen.com/blog/2009/03/26/hope-now/#comments</comments>
		<pubDate>Fri, 27 Mar 2009 02:01:39 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<description>HOPE NOW is an alliance between HUD approved counseling agents, mortgage companies, investors and other mortgage market participants that provides free foreclosure prevention...&lt;br/&gt;
&lt;br/&gt;
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		<item>
		<title>REO Rental Initiative</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/2aFrL9MbJkw/</link>
		<comments>http://www.claymadisen.com/blog/2009/03/17/reo-rental-initiativ/#comments</comments>
		<pubDate>Tue, 17 Mar 2009 10:06:04 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<description>Freddie Mac Launches REO Rental Initiative for Tenants, Owner-Occupants after Foreclosure:
http://tinyurl.com/cofhbr&lt;br/&gt;
&lt;br/&gt;
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		<title>New Home-Buyer Tax Credit – FAQs</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/fGyGJUW63c4/</link>
		<comments>http://www.claymadisen.com/blog/2009/03/12/faqs-new-home-buyer-tax-credi/#comments</comments>
		<pubDate>Thu, 12 Mar 2009 11:37:16 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<description>FAQs About the State New Home-Buyer Tax Credit:
http://tinyurl.com/csz48m&lt;br/&gt;
&lt;br/&gt;
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		<title>2009 Federal First Time Home-Buyers Tax Credit</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/lNX6TQlDwMQ/</link>
		<comments>http://www.claymadisen.com/blog/2009/03/02/2009-federal-first-time-home-buyers-tax-credit/#comments</comments>
		<pubDate>Tue, 03 Mar 2009 07:56:42 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<description>Get the facts on the $8,000 Federal First Time Home-Buyers Tax Credit:
http://tinyurl.com/b5na3o&lt;br/&gt;
&lt;br/&gt;
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		<title>California Tax Credit for New Home Purchase</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/FXzyL3yZIRU/</link>
		<comments>http://www.claymadisen.com/blog/2009/03/02/tax-credit-for-new-home-purchase/#comments</comments>
		<pubDate>Mon, 02 Mar 2009 21:29:24 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<guid isPermaLink="false">http://www.claymadisen.com/blog/2009/03/02/tax-credit-for-new-home-purchase/</guid>
		
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		<description>There is now a new $10,000 California Tax credit for new home purchases.
This will be  effective March 1st, 2009 and will remain in effect until March of 2010, in addition to the $8,000 Federal Tax...&lt;br/&gt;
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		<item>
		<title>BPOs seem to be increasing lately</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/bYSGP7BwMv0/</link>
		<comments>http://www.claymadisen.com/blog/2009/02/26/bpos-seem-to-be-increasin/#comments</comments>
		<pubDate>Fri, 27 Feb 2009 02:10:53 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
				<category><![CDATA[Online Resources]]></category>
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		<description>Are the banks gearing up to lend some money finally?&lt;br/&gt;
&lt;br/&gt;
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		<item>
		<title>Green and Eco-Friendly Flooring Information</title>
		<link>http://feedproxy.google.com/~r/ClayMadisen_RealEstateBlog/~3/oHVN5AR-YqM/</link>
		<comments>http://www.claymadisen.com/blog/2009/02/25/green-flooring-information-and-eco-friendly-floor-community-by-greenfindanyfloorcom/#comments</comments>
		<pubDate>Thu, 26 Feb 2009 01:03:17 +0000</pubDate>
		<dc:creator>Clay</dc:creator>
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		<slash:comments>0</slash:comments>
		<description>Here is an excellent resource if you are thinking of green alternatives for flooring:
Green.FindAnyFloor.com&lt;br/&gt;
&lt;br/&gt;
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