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	<title>Affirmations of a Certified Mortgage Planner &#187; Fiscal Literacy</title>
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	<description>The World Through the Eyes of James K Barath</description>
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		<title>Affirmations of a Certified Mortgage Planner &#187; Fiscal Literacy</title>
		<link>http://mycmps.wordpress.com</link>
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		<item>
		<title>Are You Ready for Change?</title>
		<link>http://mycmps.wordpress.com/2008/12/16/are-you-ready-for-change/</link>
		<comments>http://mycmps.wordpress.com/2008/12/16/are-you-ready-for-change/#comments</comments>
		<pubDate>Tue, 16 Dec 2008 23:31:27 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[FHFA, FHA, Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Fannie Mae]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=189</guid>
		<description><![CDATA[Can you feel it? Can you hear it? Can you see it?
I am not talking about the weather or Barack Obama.
During the weekend of December 13th, major updates were implemented by Fannie Mae (FNM) that will influence home financing for years to come. These updates are a game changer and will have an impact for [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=189&subd=mycmps&ref=&feed=1" />]]></description>
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		<item>
		<title>Force Majeure. Force What?</title>
		<link>http://mycmps.wordpress.com/2008/12/05/force-majeure-force-what/</link>
		<comments>http://mycmps.wordpress.com/2008/12/05/force-majeure-force-what/#comments</comments>
		<pubDate>Sat, 06 Dec 2008 00:12:59 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Business Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Financial Acumen]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=169</guid>
		<description><![CDATA[I was reading an interesting article published in the NY Times about Donald Trump&#8217;s latest legal battle against Deustche Bank today titled &#8220;Trump Sees Act of God in Recession.&#8220;
Here are the facts that have lead up to the headline. Deutsche Bank is seeking a payment of $40 million that Trump personally guaranteed for a construction [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=169&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">The Art of the Deal</media:title>
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		<title>What Are the Real Trends in Home Value</title>
		<link>http://mycmps.wordpress.com/2008/12/01/what-are-the-real-trends-in-home-value/</link>
		<comments>http://mycmps.wordpress.com/2008/12/01/what-are-the-real-trends-in-home-value/#comments</comments>
		<pubDate>Mon, 01 Dec 2008 22:27:42 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=144</guid>
		<description><![CDATA[No matter what your role in the real estate industry, understanding trends in home values is absolutely critical. With a shortage of active credit facilities and historic-low appetite for mortgage-backed securities, one must be able to decipher and interpret the data that drives lenders acceptance of residential real estate as collateral.
Although the Case-Schiller Home Price [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=144&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">LoanPerformance HPI</media:title>
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		<title>The Big Scary &#8216;D&#8217; Word</title>
		<link>http://mycmps.wordpress.com/2008/11/24/the-big-scary-d-word/</link>
		<comments>http://mycmps.wordpress.com/2008/11/24/the-big-scary-d-word/#comments</comments>
		<pubDate>Mon, 24 Nov 2008 20:46:46 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Business Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=94</guid>
		<description><![CDATA[I am not referring to Democrats, Detroit or the Depression. The big scary &#8216;D&#8217; word of the week has been DEFLATION. What is deflation? According to Dictionary.com Unabridged (v1.1) the word deflation is defined as:

the act of deflating or the state of being deflated.
Economics. a fall in the general price level or a contraction of [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=94&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>I want to be like AIG!</title>
		<link>http://mycmps.wordpress.com/2008/11/14/i-want-to-be-like-aig/</link>
		<comments>http://mycmps.wordpress.com/2008/11/14/i-want-to-be-like-aig/#comments</comments>
		<pubDate>Sat, 15 Nov 2008 00:01:39 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Business Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Financial Markets]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Business Model]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=74</guid>
		<description><![CDATA[You read correct. I want to be like American International Group, Inc. (better known as AIG).
As crazy as it may sound, I do wish I had the impact and relevance that AIG has on the world. Their reach transcends 130 countries &#38; jurisdictions, as well as serving commercial, institutional and individual customers.
You may still be [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=74&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Word of the Day &#8211; Modify</title>
		<link>http://mycmps.wordpress.com/2008/11/12/word-of-the-day-modify/</link>
		<comments>http://mycmps.wordpress.com/2008/11/12/word-of-the-day-modify/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 22:08:13 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[FHFA, FHA, Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Legislative Acumen]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=55</guid>
		<description><![CDATA[It seems as if every news item surrounding the housing market entrenches the word modify. Therefore, what does modify mean. According to Dictionary.com Unabridged (v1.1) the word modify is defined as:

to change somewhat the form or qualities of; alter partially; amend: to modify a contract.
to reduce or lessen in degree or extent; moderate; soften; to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=55&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Streamlined Modifications &#8211; Will it Help?</title>
		<link>http://mycmps.wordpress.com/2008/11/11/streamlined-modifications-will-it-help/</link>
		<comments>http://mycmps.wordpress.com/2008/11/11/streamlined-modifications-will-it-help/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 00:27:10 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[FHFA, FHA, Fannie Mae & Freddie Mac]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Legislative Acumen]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Loan Modifications]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=32</guid>
		<description><![CDATA[The Federal Housing Finance Agency (FHFA) announced today that a major program designed to simplify and streamline loan modifications for struggling homeowners to prevent foreclosures had been established. The collaboration between Fannie Mae (FNM), Freddie Mac (FRM), Federal Home Loan Banks, HOPE NOW (and it&#8217;s 27 service partners), Department of Treasury, Federal Housing Administration and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=32&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>The Perfect Real Estate Business Model</title>
		<link>http://mycmps.wordpress.com/2008/11/10/the-perfect-real-estate-business-model/</link>
		<comments>http://mycmps.wordpress.com/2008/11/10/the-perfect-real-estate-business-model/#comments</comments>
		<pubDate>Tue, 11 Nov 2008 00:16:52 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Business Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Fiscal Literacy]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Planning]]></category>
		<category><![CDATA[Real Estate Industry]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=16</guid>
		<description><![CDATA[While I was sitting at the doctor&#8217;s office, it occurred to me that they have the perfect business model for real estate professionals, including us mortgage planners. Let me explain.

Had to schedule an appointment at the doctor&#8217;s convenience.
Availability is 8:30 AM &#8211; 5:00 PM.
Not available on weekends nor holidays.
Never has to answer their own phone.
Price [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=16&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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