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	<title>David DePhillips, Business Development</title>
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	<description>Economic Issues in Real Estate and Finance. (516) 761-8594</description>
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		<title>David DePhillips, Business Development</title>
		<link>http://daviddephillips.wordpress.com</link>
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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.
<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=302&subd=daviddephillips&ref=&feed=1" />]]></description>
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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>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=290</guid>
		<description><![CDATA[Once home prices have adjusted down anther 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.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=290&subd=daviddephillips&ref=&feed=1" />]]></description>
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		<title>Economic Green Shoots grow from Bull Patties.</title>
		<link>http://daviddephillips.wordpress.com/2009/07/05/economic-green-shoots-grow-from-bull-patties/</link>
		<comments>http://daviddephillips.wordpress.com/2009/07/05/economic-green-shoots-grow-from-bull-patties/#comments</comments>
		<pubDate>Sat, 04 Jul 2009 12:41:30 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=287</guid>
		<description><![CDATA[Virtually every economic statistic released is called a &#8220;mustard seed&#8221; or a &#8220;green shoot.&#8221; When the job loss goes to 540,000 from the prior 650,000, its being cheered and presented by the ruling party  because the rate of job losses is decelerating. Half a million people loose their jobs and they find a silver [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=287&subd=daviddephillips&ref=&feed=1" />]]></description>
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		<title>Storied Real Estate Franchise, soon faces it&#8217;s own foreclosure.</title>
		<link>http://daviddephillips.wordpress.com/2009/03/13/storied-real-estate-franchise-soon-faces-its-own-foreclosure/</link>
		<comments>http://daviddephillips.wordpress.com/2009/03/13/storied-real-estate-franchise-soon-faces-its-own-foreclosure/#comments</comments>
		<pubDate>Thu, 12 Mar 2009 12:25:24 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=279</guid>
		<description><![CDATA[US News and World Reports 1 of 15 companies expected to go under.
Realogy Corp. (Privately owned; about 13,000 employees). It’s the biggest real-estate brokerage firm in the country, but that’s a bad thing when there are double-digit declines in both sales and prices, as there were in 2008. Realogy, which includes the Coldwell Banker, ERA, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=279&subd=daviddephillips&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Obama&#8217;s &#8220;Placebo Economics&#8221;, Will not prevent a Depression.</title>
		<link>http://daviddephillips.wordpress.com/2009/03/04/obamas-placebo-economics-will-not-prevent-depression/</link>
		<comments>http://daviddephillips.wordpress.com/2009/03/04/obamas-placebo-economics-will-not-prevent-depression/#comments</comments>
		<pubDate>Tue, 03 Mar 2009 14:24:18 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=269</guid>
		<description><![CDATA[Cynical New York hotel clerks will soon be asking  incoming guests, a refrain quoted from the great depression of the 1930&#8217;s.   &#8220;You want a room for sleeping or jumping?&#8221;   
The majority of the recent stimulus plan will not find it&#8217;s way into the public hands for a few more quarters. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=269&subd=daviddephillips&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Pres. O</media:title>
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		<title>Time for &#8221; Looking Backward&#8221; socialist view.</title>
		<link>http://daviddephillips.wordpress.com/2009/02/24/time-for-looking-backward-socialist-view/</link>
		<comments>http://daviddephillips.wordpress.com/2009/02/24/time-for-looking-backward-socialist-view/#comments</comments>
		<pubDate>Mon, 23 Feb 2009 14:24:52 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>
		<category><![CDATA[Business Development]]></category>
		<category><![CDATA[franchise consultant]]></category>
		<category><![CDATA[Real Estate Consultant]]></category>
		<category><![CDATA[sales]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/2009/02/24/time-for-looking-backward-socialist-view/</guid>
		<description><![CDATA[Since my days of radicalism of the early 60&#8217;s one book, &#8220;Looking Backward&#8221; has rung out a guidance of caution to me over and over. From the S&#38;L failure to the dot.com bust, to the current financial carnage.  I have read this book over 20times since then, for a perspective look into the financial [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=260&subd=daviddephillips&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">daviddephillips</media:title>
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		<title>Survey shows bargain hunters are eager to buy real estate this year</title>
		<link>http://daviddephillips.wordpress.com/2009/02/20/survey-shows-bargain-hunters-are-eager-to-buy-real-estate-this-year/</link>
		<comments>http://daviddephillips.wordpress.com/2009/02/20/survey-shows-bargain-hunters-are-eager-to-buy-real-estate-this-year/#comments</comments>
		<pubDate>Thu, 19 Feb 2009 17:06:18 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>
		<category><![CDATA[Business Development]]></category>
		<category><![CDATA[Business Start Up.]]></category>
		<category><![CDATA[Credit Analysis]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Consultant]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financial services]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[mortgage lending]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=244</guid>
		<description><![CDATA[With many portfolio's off an average 40-60%, Smart investors marshal their resources to go on offense, with real estate investments.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=244&subd=daviddephillips&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">house-icon_k0687103</media:title>
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		<title>TARP &#8211; No Bank Left Behind Funding.</title>
		<link>http://daviddephillips.wordpress.com/2009/02/18/tarp-no-bank-left-behind-funding/</link>
		<comments>http://daviddephillips.wordpress.com/2009/02/18/tarp-no-bank-left-behind-funding/#comments</comments>
		<pubDate>Tue, 17 Feb 2009 16:52:42 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>
		<category><![CDATA[Credit Analysis]]></category>
		<category><![CDATA[Real Estate Consultant]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financial services]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[mortgage lending]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/2009/02/18/tarp-no-bank-left-behind-funding/</guid>
		<description><![CDATA[Last week, a five-member congressional oversight panel harshly criticized how the U.S. Treasury has so far spent the first $350 billion tranche of the Troubled Asset Relief Program (TARP). The bulk of that money has been used to inject capital into a wide range of potentially viable but ailing banks, giving the government an ownership [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=229&subd=daviddephillips&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">daviddephillips</media:title>
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		<title>Be it ever so humble, new home mortgages @3.99%</title>
		<link>http://daviddephillips.wordpress.com/2009/02/05/be-it-ever-so-humble-new-home-mortgages-399/</link>
		<comments>http://daviddephillips.wordpress.com/2009/02/05/be-it-ever-so-humble-new-home-mortgages-399/#comments</comments>
		<pubDate>Wed, 04 Feb 2009 23:03:16 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>
		<category><![CDATA[Credit Analysis]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Consultant]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financial services]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[mortgage lending]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=189</guid>
		<description><![CDATA[If you want to see what the recovery will look like, look at Toll Brothers Builders new home loans at 3.99%.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=189&subd=daviddephillips&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<item>
		<title>&#8220;Financial Gravity The Science of Lending&#8221;, here it comes.</title>
		<link>http://daviddephillips.wordpress.com/2008/12/20/financial-gravity-here-it-comes/</link>
		<comments>http://daviddephillips.wordpress.com/2008/12/20/financial-gravity-here-it-comes/#comments</comments>
		<pubDate>Fri, 19 Dec 2008 16:25:02 +0000</pubDate>
		<dc:creator>David DePhillips</dc:creator>
				<category><![CDATA[Business Consultant]]></category>
		<category><![CDATA[Business Development]]></category>
		<category><![CDATA[Business Start Up.]]></category>
		<category><![CDATA[Credit Analysis]]></category>
		<category><![CDATA[Franchise Business Consulting]]></category>
		<category><![CDATA[Real Estate Consultant]]></category>
		<category><![CDATA[financial services]]></category>
		<category><![CDATA[mortgage lending]]></category>
		<category><![CDATA[Credit Siezure]]></category>
		<category><![CDATA[Mortgage downturn warnings.]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://daviddephillips.wordpress.com/?p=83</guid>
		<description><![CDATA[Lets get back to " Financial Gravity ", as a rule of lending. No more no loan docs. or liar loans or no credit FICO reports.  Resets are not the answer to the cascade of mortgage failure.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=daviddephillips.wordpress.com&blog=3847339&post=83&subd=daviddephillips&ref=&feed=1" />]]></description>
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