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	<title>Affirmations of a Certified Mortgage Planner</title>
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	<link>http://mycmps.wordpress.com</link>
	<description>The World Through the Eyes of James K Barath</description>
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		<title>Affirmations of a Certified Mortgage Planner</title>
		<link>http://mycmps.wordpress.com</link>
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			<item>
		<title>Perception or Reality</title>
		<link>http://mycmps.wordpress.com/2009/05/27/perception-o-reality/</link>
		<comments>http://mycmps.wordpress.com/2009/05/27/perception-o-reality/#comments</comments>
		<pubDate>Wed, 27 May 2009 23:32:56 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Perception]]></category>
		<category><![CDATA[Reality]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=373</guid>
		<description><![CDATA[
Similar to the message in this photo, every day is a day that I must adhere to facts and truths while demystifying urban legends and hearsay.
For several months my office has been receiving phone calls from consumers asking about 4% mortgage rates that are guaranteed by the government. During this span of time it was [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=373&subd=mycmps&ref=&feed=1" />]]></description>
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		<item>
		<title>Weekly Blog Update for the Week Ending May 15th</title>
		<link>http://mycmps.wordpress.com/2009/05/15/weekly-blog-update-for-the-week-ending-may-15th/</link>
		<comments>http://mycmps.wordpress.com/2009/05/15/weekly-blog-update-for-the-week-ending-may-15th/#comments</comments>
		<pubDate>Fri, 15 May 2009 16:24:15 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[My Mortgage Blog]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Home Affordability]]></category>
		<category><![CDATA[Mortgage Guidelines]]></category>
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=367</guid>
		<description><![CDATA[This is a summary of my newest blog entries from My Mortgage Blog. Please enjoy!
Publish Date: May 15, 2009
Mortgage Lending Starts To Show Signs Of A Thaw
Excerpt: Getting approved for a home loan isn&#8217;t getting easier, but it doesn&#8217;t appear to be getting much more difficult, either. In its quarterly survey to member banks, the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=367&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2009/05/15/weekly-blog-update-for-the-week-ending-may-15th/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">YOU Magazine courtesy of Benchmark Mortgage: The Barath Group</media:title>
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		<title>Opportunity of a Lifetime</title>
		<link>http://mycmps.wordpress.com/2009/04/03/opportunity-of-a-lifetime/</link>
		<comments>http://mycmps.wordpress.com/2009/04/03/opportunity-of-a-lifetime/#comments</comments>
		<pubDate>Fri, 03 Apr 2009 22:13:20 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=361</guid>
		<description><![CDATA[
Many in the media and the mainstream have been absorbed in the lack luster performance in housing and the stock markets for over a year now. It was refreshing to see a glimmer of positivity in today&#8217;s NY Times. The headline that peaked my interest was titled &#8220;Falling Prices Draw First-Time Home Buyers.&#8221;
The article highlighted [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=361&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">As the Foreclosed Move Out, First-Time Buyers Move In</media:title>
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		<item>
		<title>Flicking The Lights Off &#8211; Earth Hour US</title>
		<link>http://mycmps.wordpress.com/2009/03/28/357/</link>
		<comments>http://mycmps.wordpress.com/2009/03/28/357/#comments</comments>
		<pubDate>Sat, 28 Mar 2009 20:09:41 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/2009/03/28/357/</guid>
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Today is Earth Hour. Turn Out. Take Action.
Supporting a great cause doesn&#8217;t mean you can&#8217;t have fun. Enjoy.
       <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=357&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Happiness is Only a Matter of Perspective</title>
		<link>http://mycmps.wordpress.com/2009/02/25/happiness-is-only-a-matter-of-perspective/</link>
		<comments>http://mycmps.wordpress.com/2009/02/25/happiness-is-only-a-matter-of-perspective/#comments</comments>
		<pubDate>Wed, 25 Feb 2009 18:25:22 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Inspirational]]></category>
		<category><![CDATA[Commentary]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=342</guid>
		<description><![CDATA[Last week I was in Dallas, TX and had the pleasure of hearing several great speakers voice their thoughts on everything from the economy to religion.  The general theme of the 2 day event focused on &#8220;PERSPECTIVE&#8221;.
With so much negativity in the reporting of the news it was the opinion of these speakers to seek [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=342&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2009/02/25/happiness-is-only-a-matter-of-perspective/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
	
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		<item>
		<title>Do You Know When to Lock Your Mortgage Interest Rate</title>
		<link>http://mycmps.wordpress.com/2009/02/17/do-you-know-when-to-lock-your-mortgage-interest-rate/</link>
		<comments>http://mycmps.wordpress.com/2009/02/17/do-you-know-when-to-lock-your-mortgage-interest-rate/#comments</comments>
		<pubDate>Tue, 17 Feb 2009 19:25:05 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Mortgage Acumen]]></category>
		<category><![CDATA[Mortgage Industry]]></category>
		<category><![CDATA[FNMA Mortgage Bonds]]></category>
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=332</guid>
		<description><![CDATA[
As with anything in life, things often seem much easier on the surface than they actually are in reality. Take a look at the image of this morning&#8217;s trade of Fannie Mae mortgage bonds for example.
You may ask why this is important to mortgage rates?
Fannie Mae mortgage bonds are the underlying security that residential home [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=332&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2009/02/17/do-you-know-when-to-lock-your-mortgage-interest-rate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">FNMA Bond Trend 20090217</media:title>
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		<item>
		<title>The Obama Administration Think They Have a &#8220;New Plan&#8221;</title>
		<link>http://mycmps.wordpress.com/2009/02/10/the-obama-administration-think-they-have-a-new-plan/</link>
		<comments>http://mycmps.wordpress.com/2009/02/10/the-obama-administration-think-they-have-a-new-plan/#comments</comments>
		<pubDate>Wed, 11 Feb 2009 00:51:17 +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[Financial Stability Plan]]></category>
		<category><![CDATA[Timothy Geithner]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=323</guid>
		<description><![CDATA[
Treasury Secretary Timothy Geithner finally made his big public speech on the much anticipated bank bailout plan earlier today. For all the hype leading into the speech, I was left dazed and confused as to what really was different.
The first difference is that Geithner did make it evident that the price tag is to be [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=323&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2009/02/10/the-obama-administration-think-they-have-a-new-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Treasury Secretary Tim Geithner Outlines Comprehensive Financial Stability</media:title>
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		<item>
		<title>Oblivious on Wall Street Clueless in Washington</title>
		<link>http://mycmps.wordpress.com/2009/02/07/oblivious-on-wall-street-clueless-in-washington/</link>
		<comments>http://mycmps.wordpress.com/2009/02/07/oblivious-on-wall-street-clueless-in-washington/#comments</comments>
		<pubDate>Sat, 07 Feb 2009 16:39:53 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Economic Focus]]></category>
		<category><![CDATA[Focus Publications]]></category>
		<category><![CDATA[Commentary]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=311</guid>
		<description><![CDATA[Wall Street
Whatever has led the executives on Wall Street to believe they can take taxpayer&#8217;s bail out dollars and not be accountable for how they spend it? Nobody should expect to spend like a drunken sailor with one hand while dipping the other into public coffers. But that is exactly what the bailed out banks [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=311&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2009/02/07/oblivious-on-wall-street-clueless-in-washington/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">myCMPS</media:title>
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			<media:title type="html">Washington DC</media:title>
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		<item>
		<title>The Time Is Now&#8230;A New Blog Title Emerges</title>
		<link>http://mycmps.wordpress.com/2009/02/03/the-time-is-nowa-new-blog-title-emerges/</link>
		<comments>http://mycmps.wordpress.com/2009/02/03/the-time-is-nowa-new-blog-title-emerges/#comments</comments>
		<pubDate>Tue, 03 Feb 2009 20:51:19 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=293</guid>
		<description><![CDATA[Although much of what I post revolves around my profession, the content is not exclusive to mortgages only. The original blog title of &#8220;My Mortgage Acumen&#8221; was my attempt to be poignant &#38; concise about my personal insight of the mortgage industry.
The old blog title itself was so specific that many would-be subscribers dismissed what [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=293&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2009/02/03/the-time-is-nowa-new-blog-title-emerges/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<item>
		<title>Is Obama Banking on Recovery</title>
		<link>http://mycmps.wordpress.com/2009/02/02/is-obama-banking-on-recovery/</link>
		<comments>http://mycmps.wordpress.com/2009/02/02/is-obama-banking-on-recovery/#comments</comments>
		<pubDate>Mon, 02 Feb 2009 16:22:54 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Business Acumen]]></category>
		<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Mortgage Acumen]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=285</guid>
		<description><![CDATA[
The newly elected President Obama is under a microscope now that he has to create legislative action to fix the economy. It is no doubt that his 1st 100 days will be scrutinized for many years to come. Ironically, much of his plans are reminiscent of the &#8220;New Deal&#8221; implemented by former President Franklin D [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=285&subd=mycmps&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://mycmps.wordpress.com/2009/02/02/is-obama-banking-on-recovery/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Banking on Recovery</media:title>
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		<item>
		<title>Capitalism Is Not Dead</title>
		<link>http://mycmps.wordpress.com/2009/01/31/capitalism-is-not-dead/</link>
		<comments>http://mycmps.wordpress.com/2009/01/31/capitalism-is-not-dead/#comments</comments>
		<pubDate>Sat, 31 Jan 2009 19:54:05 +0000</pubDate>
		<dc:creator>James K Barath, CMPS</dc:creator>
				<category><![CDATA[Commentary]]></category>

		<guid isPermaLink="false">http://mycmps.wordpress.com/?p=272</guid>
		<description><![CDATA[According to the mass media, capitalism is dead. They site everything that is wrong from banking to manufacturing to government.
Now that Barack Obama is the President, a new agenda has been ushered consisting of hope and a cure for all things that ail the economy.
All I know is that this is still a land of [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mycmps.wordpress.com&blog=5431993&post=272&subd=mycmps&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Obama Lava Lamp</media:title>
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