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	<title>Comments for Home Owner</title>
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	<link>http://own-a-home.us</link>
	<description>Home Ownership Information</description>
	<lastBuildDate>Sat, 19 May 2012 20:48:05 +0000</lastBuildDate>
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		<title>Comment on Shouldn&#8217;t people keep their &#8216;spirit guides&#8217; to themselves? by Marz †SFECU† pray4revival</title>
		<link>http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves/comment-page-1#comment-1462</link>
		<dc:creator>Marz †SFECU† pray4revival</dc:creator>
		<pubDate>Sat, 19 May 2012 20:48:05 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves#comment-1462</guid>
		<description>You can think they are silly but spirit guides are considered New Age entities which are actually demons that can destroy your life.

So, what I would earnestly suggest is to get right with God yourself and pray earnestly for your wife and her salvation.  Otherwise things may fall apart for you both.

http://www.biblegateway.com/passage/?search=Jeremiah%2029:13&amp;version=KJV;NLT;NASB</description>
		<content:encoded><![CDATA[<p>You can think they are silly but spirit guides are considered New Age entities which are actually demons that can destroy your life.</p>
<p>So, what I would earnestly suggest is to get right with God yourself and pray earnestly for your wife and her salvation.  Otherwise things may fall apart for you both.</p>
<p><a href="http://www.biblegateway.com/passage/?search=Jeremiah%2029:13&#038;version=KJV;NLT;NASB" rel="nofollow">http://www.biblegateway.com/passage/?search=Jeremiah%2029:13&#038;version=KJV;NLT;NASB</a></p>
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	<item>
		<title>Comment on Shouldn&#8217;t people keep their &#8216;spirit guides&#8217; to themselves? by Luparu D</title>
		<link>http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves/comment-page-1#comment-1461</link>
		<dc:creator>Luparu D</dc:creator>
		<pubDate>Sat, 19 May 2012 20:25:56 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves#comment-1461</guid>
		<description>Jesus is for everyone but doesn&#039;t force anyone to be for Him</description>
		<content:encoded><![CDATA[<p>Jesus is for everyone but doesn&#8217;t force anyone to be for Him</p>
]]></content:encoded>
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	<item>
		<title>Comment on Shouldn&#8217;t people keep their &#8216;spirit guides&#8217; to themselves? by Yahoo! R & S Guru</title>
		<link>http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves/comment-page-1#comment-1460</link>
		<dc:creator>Yahoo! R & S Guru</dc:creator>
		<pubDate>Sat, 19 May 2012 20:10:39 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves#comment-1460</guid>
		<description>80I</description>
		<content:encoded><![CDATA[<p>80I</p>
]]></content:encoded>
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	<item>
		<title>Comment on Shouldn&#8217;t people keep their &#8216;spirit guides&#8217; to themselves? by Yeech</title>
		<link>http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves/comment-page-1#comment-1459</link>
		<dc:creator>Yeech</dc:creator>
		<pubDate>Sat, 19 May 2012 20:00:28 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves#comment-1459</guid>
		<description>All spiritual and religious beliefs should be kept to ones self.</description>
		<content:encoded><![CDATA[<p>All spiritual and religious beliefs should be kept to ones self.</p>
]]></content:encoded>
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		<title>Comment on Shouldn&#8217;t people keep their &#8216;spirit guides&#8217; to themselves? by Judas Fan</title>
		<link>http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves/comment-page-1#comment-1458</link>
		<dc:creator>Judas Fan</dc:creator>
		<pubDate>Sat, 19 May 2012 19:11:34 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves#comment-1458</guid>
		<description>Yeah mate you&#039;re damn right about that.

Keep your religion, diseases and meds... to yourself.</description>
		<content:encoded><![CDATA[<p>Yeah mate you&#8217;re damn right about that.</p>
<p>Keep your religion, diseases and meds&#8230; to yourself.</p>
]]></content:encoded>
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		<title>Comment on To what extent has the credit crunch contributed to the fall in UK house prices? by luludoodie</title>
		<link>http://own-a-home.us/house-prices/to-what-extent-has-the-credit-crunch-contributed-to-the-fall-in-uk-house-prices/comment-page-1#comment-1463</link>
		<dc:creator>luludoodie</dc:creator>
		<pubDate>Sat, 19 May 2012 18:57:22 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/house-prices/to-what-extent-has-the-credit-crunch-contributed-to-the-fall-in-uk-house-prices#comment-1463</guid>
		<description>Government allowed/encouraged excessive house price inflation to a point where first time buyers could not afford to buy houses thus bringing house buying to a halt as &quot;chain&quot; broke at lowest level.

Buy to Let purpose built (inflated price) flats in city centres were overpriced (on the basis that a house buy was a guaranteed investment so buy quick!) also stalled.

Government policy had prevented building enough houses to satisfy demand so prices rose way above sensible levels!

When the banks started losing money on sub-prime investments they cut back on most UK housing loans as they could see huge negative equity loans developing on UK mortgages.  

UK prices have dropped 16% in last year with 15% more this year projected.</description>
		<content:encoded><![CDATA[<p>Government allowed/encouraged excessive house price inflation to a point where first time buyers could not afford to buy houses thus bringing house buying to a halt as &#8220;chain&#8221; broke at lowest level.</p>
<p>Buy to Let purpose built (inflated price) flats in city centres were overpriced (on the basis that a house buy was a guaranteed investment so buy quick!) also stalled.</p>
<p>Government policy had prevented building enough houses to satisfy demand so prices rose way above sensible levels!</p>
<p>When the banks started losing money on sub-prime investments they cut back on most UK housing loans as they could see huge negative equity loans developing on UK mortgages.  </p>
<p>UK prices have dropped 16% in last year with 15% more this year projected.</p>
]]></content:encoded>
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		<title>Comment on Shouldn&#8217;t people keep their &#8216;spirit guides&#8217; to themselves? by Mr. Intensity</title>
		<link>http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves/comment-page-1#comment-1457</link>
		<dc:creator>Mr. Intensity</dc:creator>
		<pubDate>Sat, 19 May 2012 18:25:48 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/buying-a-house-australia/shouldnt-people-keep-their-spirit-guides-to-themselves#comment-1457</guid>
		<description>There is only One True Spirit Guide.
His Name Is Holy!</description>
		<content:encoded><![CDATA[<p>There is only One True Spirit Guide.<br />
His Name Is Holy!</p>
]]></content:encoded>
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		<title>Comment on If my name is on my mother&#8217;s deed (I don&#8217;t live in the house), can I be considered a first-time home buyer? by MadMan</title>
		<link>http://own-a-home.us/first-home-buy/if-my-name-is-on-my-mothers-deed-i-dont-live-in-the-house-can-i-be-considered-a-first-time-home-buyer/comment-page-1#comment-1456</link>
		<dc:creator>MadMan</dc:creator>
		<pubDate>Fri, 18 May 2012 01:03:40 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/first-home-buy/if-my-name-is-on-my-mothers-deed-i-dont-live-in-the-house-can-i-be-considered-a-first-time-home-buyer#comment-1456</guid>
		<description>The definition of &quot;first time buyer&quot; is not set in stone.  For example, the now-expired federal tax credit required the property to have been you primary residence in addition to ownership for you to not be eligible for the credit.  Going forward, it is not possible to say what the definition of &quot;first time buyer&quot; will be but you are certainly not guaranteed to be eligible.  You will have to inquire.

Also, you will to check whether you really are on the deed since you never signed it.  I also bet that your mother did not declare this as a gift when it was done.</description>
		<content:encoded><![CDATA[<p>The definition of &#8220;first time buyer&#8221; is not set in stone.  For example, the now-expired federal tax credit required the property to have been you primary residence in addition to ownership for you to not be eligible for the credit.  Going forward, it is not possible to say what the definition of &#8220;first time buyer&#8221; will be but you are certainly not guaranteed to be eligible.  You will have to inquire.</p>
<p>Also, you will to check whether you really are on the deed since you never signed it.  I also bet that your mother did not declare this as a gift when it was done.</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on If my name is on my mother&#8217;s deed (I don&#8217;t live in the house), can I be considered a first-time home buyer? by Iffy</title>
		<link>http://own-a-home.us/first-home-buy/if-my-name-is-on-my-mothers-deed-i-dont-live-in-the-house-can-i-be-considered-a-first-time-home-buyer/comment-page-1#comment-1455</link>
		<dc:creator>Iffy</dc:creator>
		<pubDate>Fri, 18 May 2012 00:49:56 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/first-home-buy/if-my-name-is-on-my-mothers-deed-i-dont-live-in-the-house-can-i-be-considered-a-first-time-home-buyer#comment-1455</guid>
		<description>You are NOT a first time home buyer and the credit has expired.  So you would rather claim 8k and down the road pay 100k for inheritence tax</description>
		<content:encoded><![CDATA[<p>You are NOT a first time home buyer and the credit has expired.  So you would rather claim 8k and down the road pay 100k for inheritence tax</p>
]]></content:encoded>
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		<title>Comment on What&#8217;s the difference between &#8220;Pre-Qualification&#8221; and &#8220;Pre-Approval&#8221;? by JJ</title>
		<link>http://own-a-home.us/pre-approval/whats-the-difference-between-pre-qualification-and-pre-approval/comment-page-1#comment-1454</link>
		<dc:creator>JJ</dc:creator>
		<pubDate>Thu, 17 May 2012 05:42:09 +0000</pubDate>
		<guid isPermaLink="false">http://own-a-home.us/pre-approval/whats-the-difference-between-pre-qualification-and-pre-approval#comment-1454</guid>
		<description>- Difference between Pre-Qual and Pre-App:
http://www.bestrateforbuyers.com/Mortgage-Tips/Difference-Between-Pre-Qualification-and-Pre-Approval.asp</description>
		<content:encoded><![CDATA[<p>- Difference between Pre-Qual and Pre-App:<br />
<a href="http://www.bestrateforbuyers.com/Mortgage-Tips/Difference-Between-Pre-Qualification-and-Pre-Approval.asp" rel="nofollow">http://www.bestrateforbuyers.com/Mortgage-Tips/Difference-Between-Pre-Qualification-and-Pre-Approval.asp</a></p>
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