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	<title>Business Analysis, David DePhillips</title>
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	<description>(646) 468-7096 Economics Analysis, Strategic Business Planning, Franchise Consulting,</description>
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		<title>Business Analysis, David DePhillips</title>
		<link>http://daviddephillips.wordpress.com</link>
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		<item>
		<title>Final Chapter to the Real Estate bubble-rubble.</title>
		<link>http://daviddephillips.wordpress.com/2012/01/09/final-chapter-to-the-real-estate-bubble-rubble/</link>
		<comments>http://daviddephillips.wordpress.com/2012/01/09/final-chapter-to-the-real-estate-bubble-rubble/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 18:01:58 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Federal Housing Finance Agency]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Federal Reserve System]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Lender Processing Services]]></category>
		<category><![CDATA[Real estate owned]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=401</guid>
		<description><![CDATA[This will be looked back upon as the bottom of the housing crash early 21st century. It will take a few years along the bottom but getting the foreclosures off the books will open the lending process to a normal &#8230; <a href="http://daviddephillips.wordpress.com/2012/01/09/final-chapter-to-the-real-estate-bubble-rubble/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=401&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Sub Prime Crisis diluted (Redux) Original Post  JULY 2007</title>
		<link>http://daviddephillips.wordpress.com/2011/12/16/sub-prime-crisis-diluted-redux-original-post-july-2007/</link>
		<comments>http://daviddephillips.wordpress.com/2011/12/16/sub-prime-crisis-diluted-redux-original-post-july-2007/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 17:19:13 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>
		<category><![CDATA[Fannie]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie]]></category>
		<category><![CDATA[HSBC]]></category>
		<category><![CDATA[Mid-West]]></category>
		<category><![CDATA[Office of Federal Housing Enterprise Oversight]]></category>
		<category><![CDATA[Real estate pricing]]></category>
		<category><![CDATA[Subprime lending]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=393</guid>
		<description><![CDATA[With the breaking news of the accused fraud within Freddie and Fannie, I like to brag on my distant post of  July 2007 and our analysis and caution. Even our most dire of predictions we fell short by over  $200 &#8230; <a href="http://daviddephillips.wordpress.com/2011/12/16/sub-prime-crisis-diluted-redux-original-post-july-2007/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=393&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Two touch stone stories caution 2012, long bear market until 2020</title>
		<link>http://daviddephillips.wordpress.com/2011/12/13/two-touch-stone-stories-caution-2012-long-bear-market-until-2020/</link>
		<comments>http://daviddephillips.wordpress.com/2011/12/13/two-touch-stone-stories-caution-2012-long-bear-market-until-2020/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 15:09:03 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=385</guid>
		<description><![CDATA[ We forget that the Great Depression was like a soccer match, there were two halves.” The 1929 crash kicked off the first half. But what “made the depression truly ‘great’ …began with the European banking crisis of 1931.” Sound familiar? Our &#8230; <a href="http://daviddephillips.wordpress.com/2011/12/13/two-touch-stone-stories-caution-2012-long-bear-market-until-2020/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=385&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Alaskan brown Bear (Ursus Arctos)</media:title>
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		<title>New John Stephenson analysis predict Crisis 2 coming soon.</title>
		<link>http://daviddephillips.wordpress.com/2011/09/16/new-john-stephenson-analysis-predict-crisis-2-coming-soon/</link>
		<comments>http://daviddephillips.wordpress.com/2011/09/16/new-john-stephenson-analysis-predict-crisis-2-coming-soon/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 14:04:56 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=381</guid>
		<description><![CDATA[By Howard Gold
NEW YORK (MarketWatch) — Three years ago, the House of Lehman collapsed like a house of cards. And if you thought the original was scary, just wait until Lehman II comes to a theater near you — in IMAX 3D with digital surround sound.

That’s the view of sober-minded Canadian strategist and money manager John Stephenson, senior vice president of First Asset Management in Toronto.
He predicts a new, Lehman-like financial crisis in the next six to 12 months, only this time involving the debt of governments and European banks.
He thinks it could drive stocks much lower, to levels at which they traded, well, just after the collapse of Lehman and AIG in fall 2008.
“When it happens, it’s going to happen fast, and it’s going to be ugly and very deep,” he told me in a telephone interview, adding that he expects it to be “worse than the last crisis. Last time around, the governments had some room to bail people out. They don’t have that capacity [now].” <a href="http://daviddephillips.wordpress.com/2011/09/16/new-john-stephenson-analysis-predict-crisis-2-coming-soon/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=381&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Geithner the Aggregator, Treasury Secretary gets it….</title>
		<link>http://daviddephillips.wordpress.com/2010/10/02/geithner-the-aggregator-treasury-secretary-gets-it%e2%80%a6/</link>
		<comments>http://daviddephillips.wordpress.com/2010/10/02/geithner-the-aggregator-treasury-secretary-gets-it%e2%80%a6/#comments</comments>
		<pubDate>Fri, 01 Oct 2010 21:34:37 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Development]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=352</guid>
		<description><![CDATA[Geithner the Aggregator, Treasury Secretary gets it…. <a href="http://daviddephillips.wordpress.com/2010/10/02/geithner-the-aggregator-treasury-secretary-gets-it%e2%80%a6/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=352&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<item>
		<title>Practicing Mortgage Brokers drop off, follow market contraction.</title>
		<link>http://daviddephillips.wordpress.com/2010/10/02/practicing-mortgage-brokers-drop-off-follow-market-contraction/</link>
		<comments>http://daviddephillips.wordpress.com/2010/10/02/practicing-mortgage-brokers-drop-off-follow-market-contraction/#comments</comments>
		<pubDate>Fri, 01 Oct 2010 21:33:41 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Development]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=354</guid>
		<description><![CDATA[Practicing Mortgage Brokers drop off, follow market contraction. <a href="http://daviddephillips.wordpress.com/2010/10/02/practicing-mortgage-brokers-drop-off-follow-market-contraction/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=354&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">daviddephillips</media:title>
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		<title>Insurance  Cost overlooks Ability of Borrowing.</title>
		<link>http://daviddephillips.wordpress.com/2010/05/18/insurance-cost-overlooks-ability-of%c2%a0borrowing/</link>
		<comments>http://daviddephillips.wordpress.com/2010/05/18/insurance-cost-overlooks-ability-of%c2%a0borrowing/#comments</comments>
		<pubDate>Tue, 18 May 2010 09:57:49 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>
		<category><![CDATA[Business Development]]></category>
		<category><![CDATA[Credit Analysis]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financial services]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[mortgage lending]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Consultant]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=338</guid>
		<description><![CDATA[They forgot our advise when  speculation of 2nd home purchase and flipping, buy real estate as if you are going to live there, because, YOU MAY HAVE TO. <a href="http://daviddephillips.wordpress.com/2010/05/18/insurance-cost-overlooks-ability-of%c2%a0borrowing/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=338&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Good Hands?????</media:title>
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		<item>
		<title>Financial firms plead the &#8220;Cassandra Effect&#8221; in their defense.</title>
		<link>http://daviddephillips.wordpress.com/2010/04/19/financial-firms-plead-the-cassandra-effect-in-their-defense/</link>
		<comments>http://daviddephillips.wordpress.com/2010/04/19/financial-firms-plead-the-cassandra-effect-in-their-defense/#comments</comments>
		<pubDate>Sun, 18 Apr 2010 13:45:47 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Development]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=322</guid>
		<description><![CDATA[SEC side show attack on Goldman Sachs. Financial firms can always benefit with a Cassadra Effect defense. <a href="http://daviddephillips.wordpress.com/2010/04/19/financial-firms-plead-the-cassandra-effect-in-their-defense/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=322&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<media:content url="http://daviddephillips.files.wordpress.com/2010/04/ajaxcassandra1.jpg?w=243" medium="image">
			<media:title type="html">AjaxCassandra</media:title>
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		<item>
		<title>FHA   The last shoe standing.</title>
		<link>http://daviddephillips.wordpress.com/2009/09/04/302/</link>
		<comments>http://daviddephillips.wordpress.com/2009/09/04/302/#comments</comments>
		<pubDate>Thu, 03 Sep 2009 21:13:25 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/2009/09/04/302/</guid>
		<description><![CDATA[The FHA is an even larger percentage of the new home mortgage industry, with nearly 25% market share, according to HUD.
 <a href="http://daviddephillips.wordpress.com/2009/09/04/302/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=302&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">credit_crisis_and_economy_0</media:title>
		</media:content>
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		<title>Foreclosure supports market fever, its only cure.</title>
		<link>http://daviddephillips.wordpress.com/2009/07/17/foreclosure-supports-market-fever-its-only-cure/</link>
		<comments>http://daviddephillips.wordpress.com/2009/07/17/foreclosure-supports-market-fever-its-only-cure/#comments</comments>
		<pubDate>Thu, 16 Jul 2009 16:22:00 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>

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		<description><![CDATA[Once home prices have adjusted down another 15% or 20% on a national basis, the concerns about buying a home may whither. The value of houses will have dropped back to where they were fifteen or twenty years ago in some markets and the bargain hunters will come out in force. Then, prices will slowly start to rise. <a href="http://daviddephillips.wordpress.com/2009/07/17/foreclosure-supports-market-fever-its-only-cure/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&amp;blog=3847339&amp;post=290&amp;subd=daviddephillips&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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