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	<title>MoneyToys Blog: All Things Financial</title>
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	<link>http://www.moneytoys.com/blog</link>
	<description>Commentary on Money Matters and Financial Features</description>
	<lastBuildDate>Sat, 05 Mar 2011 16:40:26 +0000</lastBuildDate>
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		<title>CustomCalcs.com Offers Loan Comparison Calculator</title>
		<link>http://www.moneytoys.com/blog/custom-loan-calculator/</link>
		<comments>http://www.moneytoys.com/blog/custom-loan-calculator/#comments</comments>
		<pubDate>Sat, 05 Mar 2011 16:19:33 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Web Site Calculators]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=114</guid>
		<description><![CDATA[<p> function mt_LC_Popup (url) {window.open(url,'loancomparison','width=440,height=555,left=10,top=10,resizable=0,scrollbars=0,toolbar=0');} </p> <p>Popup Loan Comparison Calculator</p> Related Posts:New Popup Loan Calculator AvailableCustomCalcs.com Creates Custom Website CalculatorsMoneyToys Free Loan CalculatorUnique Content is Best for Real Estate Web SitesFlash Payment Calculator for Web Sites]]></description>
			<content:encoded><![CDATA[<p><!-- Loan Comparison Popup --><br />
<script type='text/javascript'>
function mt_LC_Popup (url) {window.open(url,'loancomparison','width=440,height=555,left=10,top=10,resizable=0,scrollbars=0,toolbar=0');}
</script><br />
<!-- End Loan Comparison Popup --></p>
<p><a title="javascript popup calculators" href="javascript:mt_LC_Popup('http://www.moneytoys.com/blog/popup-loan-comparison.php');">Popup Loan Comparison Calculator</a></p>
<img src="http://www.moneytoys.com/blog/1595bd74/4a7d1394/FeedBurner/1.0 (http://www.FeedBurner.com).gif" /><div id="crp_related"><strong>Related Posts:</strong><ul><li><a href="http://www.moneytoys.com/blog/new-popup-loan-calculator/" rel="bookmark" class="crp_title">New Popup Loan Calculator Available</a></li><li><a href="http://www.moneytoys.com/blog/customcalcs-com-creates-custom-website-calculators/" rel="bookmark" class="crp_title">CustomCalcs.com Creates Custom Website Calculators</a></li><li><a href="http://www.moneytoys.com/blog/moneytoys-free-loan-calculator/" rel="bookmark" class="crp_title">MoneyToys Free Loan Calculator</a></li><li><a href="http://www.moneytoys.com/blog/unique-content-is-best-for-real-estate-web-sites/" rel="bookmark" class="crp_title">Unique Content is Best for Real Estate Web Sites</a></li><li><a href="http://www.moneytoys.com/blog/flash-payment-calculator-for-web-sites/" rel="bookmark" class="crp_title">Flash Payment Calculator for Web Sites</a></li></ul></div>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>CustomCalcs.com Creates Custom Website Calculators</title>
		<link>http://www.moneytoys.com/blog/customcalcs-com-creates-custom-website-calculators/</link>
		<comments>http://www.moneytoys.com/blog/customcalcs-com-creates-custom-website-calculators/#comments</comments>
		<pubDate>Sun, 26 Sep 2010 01:32:37 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Real Estate Web Sites]]></category>
		<category><![CDATA[Web Site Calculators]]></category>
		<category><![CDATA[custom calculator]]></category>
		<category><![CDATA[website calculators]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=110</guid>
		<description><![CDATA[<p>Have your spreadsheet turned into an online calculator for your web site! </p> <p>Ruston, LA, September 25, 2010 &#8212; CustomCalcs.com creates unique calculators for web sites which are based on spreadsheet models provided by the web site&#8217;s owner. Unique tools and content make web sites &#8220;sticky&#8221;, holding visitors&#8217; attention and bringing them back again.</p> [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Have your spreadsheet turned into an online calculator for your web site!</strong> </p>
<p>Ruston, LA, September 25, 2010 &#8212; <a href="http://www.customcalcs.com/">CustomCalcs.com</a> creates unique <a href="http://www.customcalcs.com/">calculators for web sites</a> which are based on spreadsheet models provided by the web site&#8217;s owner.  Unique tools and content make web sites &#8220;sticky&#8221;, holding visitors&#8217; attention and bringing them back again.</p>
<p>Real estate, automobile and boat sales, lending and financial services web sites are examples of those that benefit by custom-designed web site calculators.  Online calculators created by CustomCalcs are uniquely based on the site owner&#8217;s requirements and design.</p>
<p>The CustomCalcs development process begins with a site owner&#8217;s submission of a spreadsheet which performs that calculations the site owner wishes to add to the website.  CustomCalcs creates an initial proof version of the calculator for the site owner who is commissioning a custom calculator.  A simple development, testing, feedback process occurs until the calculator is as desired.</p>
<p>Based on Javascript, CustomCalcs&#8217; custom designed calculators work well in all modern web browsers.  Web site calculators created by CustomCalcs may be embedded directly in a web page or function as popup calculators.</p>
<p>The CustomCalcs web site (<a href="http://www.customcalcs.com/">CustomCalcs.com</a>) provides useful examples of custom-designed calculators, information about the development process and helpful installation information.</p>
<p><strong>About CustomCalcs</strong></p>
<p>Since 1997, CustomCalcs™ has been the custom software division of Wheatworks Software, LLC, designing and developing custom financial software for banks, investment firms, mortgage brokerages, financial publishers, residential and commercial real estate firms and other software companies for promotional purposes.</p>
<p><strong>Contact</strong></p>
<p>Rick Wheat<br />
Wheatworks Software, LLC<br />
P. O. Box 7<br />
Ruston, LA 71273<br />
<a href="http://www.customcalcs.com/">CustomCalcs.com</a><br />
<a href="mailto:press@customcalcs.com">press@customcalcs.com</a></p>
<p># # #</p>
<img src="http://www.moneytoys.com/blog/1595bd74/4a7d1394/FeedBurner/1.0 (http://www.FeedBurner.com).gif" /><div id="crp_related"><strong>Related Posts:</strong><ul><li><a href="http://www.moneytoys.com/blog/moneytoys-free-loan-calculator-5-1-released/" rel="bookmark" class="crp_title">MoneyToys Free Loan Calculator, 5.1, Released</a></li><li><a href="http://www.moneytoys.com/blog/moneytoys-web-site-calculators-3-0-released-by-wheatworks-software/" rel="bookmark" class="crp_title">MoneyToys&#8482; Web Site Calculators, 3.0, Released by Wheatworks Software</a></li><li><a href="http://www.moneytoys.com/blog/unique-content-is-best-for-real-estate-web-sites/" rel="bookmark" class="crp_title">Unique Content is Best for Real Estate Web Sites</a></li><li><a href="http://www.moneytoys.com/blog/new-popup-loan-calculator/" rel="bookmark" class="crp_title">New Popup Loan Calculator Available</a></li><li><a href="http://www.moneytoys.com/blog/the-problem-of-free-mortgage-calculators/" rel="bookmark" class="crp_title">The Problem of Free Mortgage Calculators</a></li></ul></div>]]></content:encoded>
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		<title>The Recession is Over!</title>
		<link>http://www.moneytoys.com/blog/the-recession-is-over/</link>
		<comments>http://www.moneytoys.com/blog/the-recession-is-over/#comments</comments>
		<pubDate>Tue, 21 Sep 2010 01:19:58 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Economic Data and Statistics]]></category>
		<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[economic research]]></category>
		<category><![CDATA[National Bureau of Economic Research]]></category>
		<category><![CDATA[NBER]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=107</guid>
		<description><![CDATA[<p>The National Bureau of Economic Research (NBER) is a private, nonprofit, nonpartisan research organization dedicated to promoting a greater understanding of how the economy works. The NBER is also the organization that tells us when we are in and out of recession.</p> <p>The report today from the Business Cycle Dating Committee of the National [...]]]></description>
			<content:encoded><![CDATA[<p>The <a href="http://www.nber.org/">National Bureau of Economic Research (NBER)</a> is a private, nonprofit, nonpartisan research organization dedicated to promoting a greater understanding of how the economy works.  The NBER is also the organization that tells us when we are in and out of recession.</p>
<p>The report today from the <a href="http://www.nber.org/cycles/sept2010.html">Business Cycle Dating Committee of the National Bureau of Economic Research</a> is that the recession which began in December of 2007 is over.  Lasting 18 months, this was the longest recession since World War II.</p>
<p>Calling a recession&#8217;s end must surely be a delicate thing.  If you look around, apart from this official NBER announcement, it&#8217;s hard to tell much has changed.  Perhaps it&#8217;s like crossing a line you didn&#8217;t see.</p>
<p>Or maybe it&#8217;s like the aftermath of a storm.  Once the storm has passed, it takes people a while to look around, identify the damage and decide where to begin.</p>
<p>The Recession is officially over.  It may still be too early to celebrate, but I extend my best wishes to you.</p>
<img src="http://www.moneytoys.com/blog/1595bd74/4a7d1394/FeedBurner/1.0 (http://www.FeedBurner.com).gif" /><div id="crp_related"><strong>Related Posts:</strong><ul><li><a href="http://www.moneytoys.com/blog/visualizing-economics-is-a-beautiful-blog/" rel="bookmark" class="crp_title">Visualizing Economics is a Beautiful Blog</a></li><li><a href="http://www.moneytoys.com/blog/home-sales-end-of-2009-summary/" rel="bookmark" class="crp_title">Home Sales | End of 2009 Summary</a></li><li><a href="http://www.moneytoys.com/blog/big-financial-numbers/" rel="bookmark" class="crp_title">Big Financial Numbers</a></li><li><a href="http://www.moneytoys.com/blog/what-is-moral-hazard/" rel="bookmark" class="crp_title">What is Moral Hazard?</a></li><li><a href="http://www.moneytoys.com/blog/new-popup-loan-calculator/" rel="bookmark" class="crp_title">New Popup Loan Calculator Available</a></li></ul></div>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Technorati</title>
		<link>http://www.moneytoys.com/blog/technorati/</link>
		<comments>http://www.moneytoys.com/blog/technorati/#comments</comments>
		<pubDate>Mon, 20 Sep 2010 11:22:29 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Web Site Calculators]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=105</guid>
		<description><![CDATA[<p>U83UJZAB9P7Y</p> ]]></description>
			<content:encoded><![CDATA[<p>U83UJZAB9P7Y</p>
<img src="http://www.moneytoys.com/blog/1595bd74/4a7d1394/FeedBurner/1.0 (http://www.FeedBurner.com).gif" /><div id="crp_related"> </div>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Unique Content is Best for Real Estate Web Sites</title>
		<link>http://www.moneytoys.com/blog/unique-content-is-best-for-real-estate-web-sites/</link>
		<comments>http://www.moneytoys.com/blog/unique-content-is-best-for-real-estate-web-sites/#comments</comments>
		<pubDate>Mon, 20 Sep 2010 11:13:34 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Real Estate Web Sites]]></category>
		<category><![CDATA[Web Site Calculators]]></category>
		<category><![CDATA[financial calculators]]></category>
		<category><![CDATA[independent agent]]></category>
		<category><![CDATA[MLS]]></category>
		<category><![CDATA[multiple listing service]]></category>
		<category><![CDATA[real estate website]]></category>
		<category><![CDATA[unique content]]></category>
		<category><![CDATA[website content]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=101</guid>
		<description><![CDATA[<p>Face it, except for agent photos, most real estate websites look much alike. They tend to have the same features: company logo, contact information for the agent or broker, MLS search capabilities, a few testimonials, photos, maybe a map to the office.</p> <p>If you doubt this, use Google.com and check it out. Search for [...]]]></description>
			<content:encoded><![CDATA[<p>Face it, except for agent photos, most real estate websites look much alike.  They tend to have the same features: company logo, contact information for the agent or broker, MLS search capabilities, a few testimonials, photos, maybe a map to the office.</p>
<p>If you doubt this, use Google.com and check it out.  Search for &#8220;real estate&#8221; and the name of the town you live in.  The results will include web sites of real estate agents and firms in your community.  Work through the list and see how real estate web sites have become generic.</p>
<p>The sites all look the same.  Unless a web site has significantly unique content the others do not have, visiting one real estate site in your town is much like visiting any other.</p>
<p>There are two ways to get away from the &#8220;me, too&#8221; aspect most independent real estate web sites can&#8217;t seem to avoid.  There are two things that make a real estate web site stand out from the crowd.</p>
<p>First, unique content is a powerful point of connection for visitors.  Second, useful tools for the financially curious give visitors a reason to stick around and return later.</p>
<p>Unique content is something that no one can do better than an independent agent who knows and loves the community where he or she lives and works.  You know the local scene, the schools, the churches, the coffee shops, the events that build community.  Use your intimate knowledge of your community to write unique content for your site&#8217;s blog.  Use a paragraph each week on your home page to focus on a unique aspect of living in your town.</p>
<p>Adding financial calculators to your real estate web site is a simple way of giving visitors a reason to stay where they are and not look for another site.  <a href="http://www.moneytoys.com/">Financial calculators for real estate web sites</a> are generally of two types: those that are added directly to a web page like calculators from <a href="http://www.moneytoys.com/">MoneyToys.com</a> and those that popup in their own little window like those from <a href="http://www.popup-calculators.com/">Popup-calculators.com</a>.</p>
<p>If you are an independent agent with a web site that looks as bland as all the others in your community, do something about it!  After all, it&#8217;s your site!</p>
<p>Write with passion about your community and add financial calculators to your site so visitors have a unique experience when they visit your web site.  If you make your site unique you increase the chances you will be remembered more easily.</p>
<img src="http://www.moneytoys.com/blog/1595bd74/4a7d1394/FeedBurner/1.0 (http://www.FeedBurner.com).gif" /><div id="crp_related"><strong>Related Posts:</strong><ul><li><a href="http://www.moneytoys.com/blog/customcalcs-com-creates-custom-website-calculators/" rel="bookmark" class="crp_title">CustomCalcs.com Creates Custom Website Calculators</a></li><li><a href="http://www.moneytoys.com/blog/moneytoys-free-loan-calculator-5-1-released/" rel="bookmark" class="crp_title">MoneyToys Free Loan Calculator, 5.1, Released</a></li><li><a href="http://www.moneytoys.com/blog/the-problem-of-free-mortgage-calculators/" rel="bookmark" class="crp_title">The Problem of Free Mortgage Calculators</a></li><li><a href="http://www.moneytoys.com/blog/pick-your-perspective-predict-your-future/" rel="bookmark" class="crp_title">Pick Your Perspective, Predict Your Future</a></li><li><a href="http://www.moneytoys.com/blog/new-popup-loan-calculator/" rel="bookmark" class="crp_title">New Popup Loan Calculator Available</a></li></ul></div>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>MoneyToys&#8482; Web Site Calculators, 3.0, Released by Wheatworks Software</title>
		<link>http://www.moneytoys.com/blog/moneytoys-web-site-calculators-3-0-released-by-wheatworks-software/</link>
		<comments>http://www.moneytoys.com/blog/moneytoys-web-site-calculators-3-0-released-by-wheatworks-software/#comments</comments>
		<pubDate>Sun, 12 Sep 2010 16:01:54 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Web Site Calculators]]></category>
		<category><![CDATA[MoneyToys]]></category>
		<category><![CDATA[website calculators]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=98</guid>
		<description><![CDATA[<p>FOR IMMEDIATE RELEASE &#8212; September 10, 2010</p> <p>MoneyToys&#8482; website calculators are easily added to web sites. With a few lines of HTML and MoneyToys financial calculators, website owners can allow their visitors to perform financial calculations without leaving the website.</p> <p>The installation of MoneyToys is simple. Anyone who has created a web page, has [...]]]></description>
			<content:encoded><![CDATA[<p>FOR IMMEDIATE RELEASE &#8212; September 10, 2010</p>
<p>MoneyToys&#8482; website calculators are easily added to web sites.  With a few lines of HTML and MoneyToys financial calculators, website owners can allow their visitors to perform financial calculations without leaving the website.</p>
<p>The installation of MoneyToys is simple.  Anyone who has created a web page, has the skills required to install MoneyToys website calculators.  Simple, step-by-step instructions and three sample web pages are included with each calculator.</p>
<p>The MoneyToys collection includes these calculators: an average interest rate calculator, an APR calculator, a biweekly payment calculator, a savings calculator, a simple loan calculator, a closing cost calculator, a home seller&#8217;s proceeds calculator, a pay down debt or invest calculator, a loan spread calculator, a refinancing calculator, a future value of savings calculator, a loan comparison calculator, a discounted cash flows calculator, a mortgage qualification calculator and a rent or buy calculator.</p>
<p>Each MoneyToys calculator is easily configured to match a web site&#8217;s color scheme.  Also, each calculator&#8217;s default values can be set to meet the needs of a particular market.  For example, whether a typical loan in your market is $250,000 or $500,000, the default value is easily configured.</p>
<p>Developed by Wheatworks Software, LLC, the entire collection of MoneyToys calculators has been updated to version 3.0 and is available at <a href="http://www.moneytoys.com/">www.moneytoys.com</a>.</p>
<p>Individual calculators may be purchased for $39.95.  For a limited time, the entire collection of 17 online calculators may be licensed for a one-time fee of only $139.95 at <a href="http://www.moneytoys.com/">www.moneytoys.com</a>.  For information, visit <a href="http://www.moneytoys.com/">www.moneytoys.com</a> or contact Wheatworks Software, LLC, Post Office Box 7, Ruston, LA 71273.</p>
<p>About Wheatworks Software, LLC</p>
<p>Since 1997, Wheatworks Software, LLC has created financial software for consumers, professionals and companies in the real estate, investment, mortgage and financial services industries.</p>
<p># # #<br />
Click here to review the new calculators at MoneyToys.com:  <a href="http://www.moneytoys.com/">www.moneytoys.com</a></p>
<p>MoneyToys is a trademark of Wheatworks Software, LLC
<p><a href="http://www.customcalcs.com">CustomCalcs.com has something special for YOUR web site</a>!</p>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Popup Loan Calculator Available</title>
		<link>http://www.moneytoys.com/blog/new-popup-loan-calculator/</link>
		<comments>http://www.moneytoys.com/blog/new-popup-loan-calculator/#comments</comments>
		<pubDate>Wed, 01 Sep 2010 02:52:08 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Real Estate Web Sites]]></category>
		<category><![CDATA[Web Site Calculators]]></category>
		<category><![CDATA[javascript financial calculator]]></category>
		<category><![CDATA[javascript loan calculator]]></category>
		<category><![CDATA[popup calculator]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=88</guid>
		<description><![CDATA[<p>Visit Popup-Calculators.com to try the first in our new line of Popup Financial Calculators for web sites.</p> <p>Popup-Calculators.com is a new division of Wheatworks Software, LLC, a developer of custom financial software since 1997.</p> <p>The new popup calculators are a combination of javascript and css and are easy to install by uploading a couple [...]]]></description>
			<content:encoded><![CDATA[<p>Visit <a href="http://www.popup-calculators.com/">Popup-Calculators.com</a> to try the first in our new line of Popup Financial Calculators for web sites.</p>
<p><a href="http://www.popup-calculators.com/"><img src="http://www.popup-calculators.com/i/i-compare-loans.gif" alt="Compare 45 loans with the Popup Loan Comparison Calculator" align="left"/></a>Popup-Calculators.com is a new division of Wheatworks Software, LLC, a developer of custom financial software since 1997.</p>
<p>The new popup calculators are a combination of javascript and css and are easy to install by uploading a couple of calculator files to a web server and adding a few lines of HTML to a web page.</p>
<p>Easy to Install and Cost Effective!</p>
<p>Popup Loan Comparison Calculator is available for a one-time license fee of $49.95.  Learn more about purchasing this new calculator for your website at <a href="http://www.popup-calculators.com/purchase.html">Popup-Calculators.com</a></p>
<p>Loan Comparison Calculator compares 45 loans at once and solves for payment, loan amount, interest rate and term in months.  It&#8217;s a great calculator for any web site with a financial focus including real estate sites, loan origination, car and boat sales, banking and more.</p>
<p><a href="http://www.popup-calculators.com/">Popup-Calculators.com</a> calculators work well for visitors using Firefox, Safari, Opera and Internet Explorer on computers running Windows, Apple and Linux/Unix-based operating systems.</p>
<p>Try <a href="http://www.popup-calculators.com/">Popup-Calculators.com</a> and Make Your Web Site Pop!
<p><a href="http://www.moneytoys.com">MoneyToys Financial Calculators for YOUR Web Site</a></p>
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		<title>Buy a House</title>
		<link>http://www.moneytoys.com/blog/buy-a-house/</link>
		<comments>http://www.moneytoys.com/blog/buy-a-house/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 23:41:54 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Financial Tips]]></category>
		<category><![CDATA[anchoring]]></category>
		<category><![CDATA[buy a house]]></category>
		<category><![CDATA[seth godin]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=84</guid>
		<description><![CDATA[<p>Seth Godin shares his advice to someone in the market to buy a house in, How to Buy a House. He offers good advice!</p> <p>I would change his #4 tip. If you&#8217;re buying a house, forget the concept of anchoring. Offer what you think the house is worth.</p> <p>You&#8217;ll get a counter offer or [...]]]></description>
			<content:encoded><![CDATA[<p>Seth Godin shares his advice to someone in the market to buy a house in, <a target="_blank" href="http://sethgodin.typepad.com/seths_blog/2010/04/how-to-buy-a-house.html">How to Buy a House</a>.  He offers good advice!</p>
<p>I would change his #4 tip.  If you&#8217;re buying a house, forget the concept of anchoring.  Offer what you think the house is worth.</p>
<p>You&#8217;ll get a counter offer or a flat &#8220;no&#8221;.  Either way, as a buyer, you&#8217;ve stated your opening position based on what you are willing to pay.</p>
<img src="http://www.moneytoys.com/blog/1595bd74/4a7d1394/FeedBurner/1.0 (http://www.FeedBurner.com).gif" /><div id="crp_related"><strong>Related Posts:</strong><ul><li><a href="http://www.moneytoys.com/blog/what-is-moral-hazard/" rel="bookmark" class="crp_title">What is Moral Hazard?</a></li><li><a href="http://www.moneytoys.com/blog/pick-your-perspective-predict-your-future/" rel="bookmark" class="crp_title">Pick Your Perspective, Predict Your Future</a></li><li><a href="http://www.moneytoys.com/blog/new-gift-card-protections/" rel="bookmark" class="crp_title">New Gift Card Protections</a></li><li><a href="http://www.moneytoys.com/blog/visualizing-economics-is-a-beautiful-blog/" rel="bookmark" class="crp_title">Visualizing Economics is a Beautiful Blog</a></li><li><a href="http://www.moneytoys.com/blog/remember-when-you-thought-6-was-a-great-rate/" rel="bookmark" class="crp_title">Remember When You Thought 6% was a Great Rate?</a></li></ul></div>]]></content:encoded>
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		<title>Pick Your Perspective, Predict Your Future</title>
		<link>http://www.moneytoys.com/blog/pick-your-perspective-predict-your-future/</link>
		<comments>http://www.moneytoys.com/blog/pick-your-perspective-predict-your-future/#comments</comments>
		<pubDate>Wed, 14 Apr 2010 23:11:15 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Real Estate Web Sites]]></category>
		<category><![CDATA[future of real estate]]></category>
		<category><![CDATA[positive perspective]]></category>
		<category><![CDATA[real estate blog]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=81</guid>
		<description><![CDATA[<p>One cannot help but become disheartened if they pay attention only to what they hear in the mainstream media. If you want to hear about wars, financial ruin, corruption, death and disease turn on the news! But be careful. It will pull you down, down, down.</p> <p>And it really does pull you down. Listening [...]]]></description>
			<content:encoded><![CDATA[<p>One cannot help but become disheartened if they pay attention only to what they hear in the mainstream media.  If you want to hear about wars, financial ruin, corruption, death and disease turn on the news!  But be careful.  It will pull you down, down, down.</p>
<p>And it really does pull you down.  Listening to negative content, even if it isn&#8217;t personal, influences the way you perceive your own personal part of the world.  Read about negative stuff enough and you will come to expect it in your life.</p>
<p>I&#8217;ve just read a real estate blog post by Tony Kawaguchi, aka &#8220;<a target="_blank" href="http://www.alohatony.com">Aloha Tony</a>&#8220;, titled, &#8220;<a target="_blank" href="http://www.alohatony.com/blog/i-can-predict-the-future-of-real-estate-heres-how.html">I Can Predict the Future of Real Estate.  Here&#8217;s How.</a>&#8221;  </p>
<p>It&#8217;s practical and positive.  Tony picks a positive perspective (and can based on his efforts) and is able to make predictions about his personal real estate world.  Check it out at: &#8220;<a target="_blank" href="http://www.alohatony.com/blog/i-can-predict-the-future-of-real-estate-heres-how.html">I Can Predict the Future of Real Estate.  Here&#8217;s How.</a>&#8220;</p>
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		<title>What is Moral Hazard?</title>
		<link>http://www.moneytoys.com/blog/what-is-moral-hazard/</link>
		<comments>http://www.moneytoys.com/blog/what-is-moral-hazard/#comments</comments>
		<pubDate>Wed, 14 Apr 2010 02:19:59 +0000</pubDate>
		<dc:creator>Rick</dc:creator>
				<category><![CDATA[Economic Issues]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[moral hazard]]></category>
		<category><![CDATA[underwater homeowners]]></category>

		<guid isPermaLink="false">http://www.moneytoys.com/blog/?p=77</guid>
		<description><![CDATA[<p>You&#8217;ve certainly read or heard the term, &#8220;moral hazard&#8221;. The phrase is often used in discussions about the consequences of the various bailouts offered by the Federal government in its efforts to strengthen the economy. It&#8217;s a term from the insurance industry related to how much one is enticed to avoid risk if the [...]]]></description>
			<content:encoded><![CDATA[<p>You&#8217;ve certainly read or heard the term, &#8220;moral hazard&#8221;.  The phrase is often used in discussions about the consequences of the various bailouts offered by the Federal government in its efforts to strengthen the economy.  It&#8217;s a term from the insurance industry related to how much one is enticed to avoid risk if the reward for the risk is greater than the loss associated with the risk.</p>
<p>If I have an accident that costs $10,000 and my insurance requires a deductible of 20%, I&#8217;m not likely to seek out the accident.  If I have the accident, I&#8217;ll lose $2,000.  However, if my insurance pays $15,000 because of the accident and I&#8217;ve only lost $10,000 &#8211; that $5,000 gain might entice me to experience the accident again.</p>
<p>Underwater homeowners have had assistance made available through various Federal initiatives.  Some who wish to be bailed out are in their current situation because they borrowed against equity in homes that are no longer worth enough to support the loans.  They owe more than the house they are buying is worth.</p>
<p>Here&#8217;s where the moral hazard lies:  the &#8220;hazard&#8221; is the effect a bailout has one people who don&#8217;t receive it.</p>
<p>If my neighbor has a home mortgage &#8220;accident&#8221; that costs $500,000 and the government bails him out after he quits making payments, I may be enticed to not make my payments so I can receive that same benefit.</p>
<p>When a person who makes a bad choice is bailed out or made whole &#8212; like homeowners who bought more house than they can afford and have their loans reworked &#8212; the homeowners who have acted responsibly and receive nothing start asking, &#8220;Why am I being responsible?&#8221;</p>
<p>That&#8217;s the moral hazard you hear so much about lately.</p>
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