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	<title>Raleigh NC Real Estate</title>
	<link>http://raleighncrealestatemls.com</link>
	<description></description>
	<pubDate>Tue, 15 Feb 2011 19:37:35 +0000</pubDate>
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		<copyright>&#xA9;Michelle Edwards </copyright>
		<managingEditor>raleighn@raleighncrealestatemls.com (Michelle Edwards)</managingEditor>
		<webMaster>raleighn@raleighncrealestatemls.com</webMaster>
		<category>Real Estate</category>
		<ttl>1440</ttl>
		<itunes:keywords>Raleigh North Carolina, Raleigh Real Estate</itunes:keywords>
		<itunes:subtitle>Raleigh Realtor</itunes:subtitle>
		<itunes:summary>Raleigh Real Estate Michelle Edwards</itunes:summary>
		<itunes:author>Michelle Edwards</itunes:author>
		<itunes:category text="Business"/>
		<itunes:owner>
			<itunes:name>Michelle Edwards</itunes:name>
			<itunes:email>raleighn@raleighncrealestatemls.com</itunes:email>
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		<itunes:block>No</itunes:block>
		<itunes:explicit>no</itunes:explicit>
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			<title>Raleigh NC Real Estate</title>
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		<title>Mrs. Keller Williams North Raleigh</title>
		<link>http://raleighncrealestatemls.com/318/mrs-keller-williams-north-raleigh/</link>
		<comments>http://raleighncrealestatemls.com/318/mrs-keller-williams-north-raleigh/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 19:37:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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		<description><![CDATA[
Congratulations to Michelle Edwards Mrs. Keller Williams North Raleigh 2010!! Sent from my Verizon Wireless BlackBerry

]]></description>
			<content:encoded><![CDATA[
Congratulations to Michelle Edwards Mrs. Keller Williams North Raleigh 2010!! Sent from my Verizon Wireless BlackBerry

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		<item>
		<title>Great new tavern in Wakefield</title>
		<link>http://raleighncrealestatemls.com/317/great-new-tavern-in-wakefield/</link>
		<comments>http://raleighncrealestatemls.com/317/great-new-tavern-in-wakefield/#comments</comments>
		<pubDate>Sun, 16 Jan 2011 19:29:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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Check out this new bar &#8230;. Wakefield Tavern. Very upscale and inexpensive! 13200 New Falls of the Neuse Sent from my Verizon Wireless BlackBerry

]]></description>
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Check out this new bar &#8230;. Wakefield Tavern. Very upscale and inexpensive! 13200 New Falls of the Neuse Sent from my Verizon Wireless BlackBerry

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		<item>
		<title>Great short sale in Apex!</title>
		<link>http://raleighncrealestatemls.com/316/great-short-sale-in-apex/</link>
		<comments>http://raleighncrealestatemls.com/316/great-short-sale-in-apex/#comments</comments>
		<pubDate>Sun, 09 Jan 2011 21:15:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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Great short sale opportunity in Apex listed for 110k below tax value! Sent from my Verizon Wireless BlackBerry

]]></description>
			<content:encoded><![CDATA[
Great short sale opportunity in Apex listed for 110k below tax value! Sent from my Verizon Wireless BlackBerry

]]></content:encoded>
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		<item>
		<title>Michelle &#038; Associates helps wrap presents for needy children</title>
		<link>http://raleighncrealestatemls.com/315/michelle-associates-helps-wrap-presents-for-needy-children/</link>
		<comments>http://raleighncrealestatemls.com/315/michelle-associates-helps-wrap-presents-for-needy-children/#comments</comments>
		<pubDate>Tue, 14 Dec 2010 17:25:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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Michelle &#38; Associates along with other Keller Williams agents and family members helped wrap over 200 presents for children to open Christmas morning!&#160; If you have anything you would like to donate let us know and we will be sure it gets to the perfect child.&#160; Merry Christmas!

]]></description>
			<content:encoded><![CDATA[
Michelle &amp; Associates along with other Keller Williams agents and family members helped wrap over 200 presents for children to open Christmas morning!&nbsp; If you have anything you would like to donate let us know and we will be sure it gets to the perfect child.&nbsp; Merry Christmas!

]]></content:encoded>
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		<title>IMG00093.jpg</title>
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		<pubDate>Fri, 10 Dec 2010 00:18:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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What a great charity event in Raleigh, NC! The Jingle Ball Sent from my Verizon Wireless BlackBerry

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What a great charity event in Raleigh, NC! The Jingle Ball Sent from my Verizon Wireless BlackBerry

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		<title>If you are behind on Mortgage Payments or if your house is worth less then what is owed… We can help you!</title>
		<link>http://raleighncrealestatemls.com/313/if-you-are-behind-on-mortgage-payments-or-if-your-house-is-worth-less-then-what-is-owed%e2%80%a6-we-can-help-you/</link>
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		<pubDate>Wed, 01 Dec 2010 17:50:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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If you are behind on Mortgage Payments or if your house is worth less then what is owed&#8230; We can help you!
Michelle &#38; Associates&#160; SHORT SALE&#160; team can help you avoid foreclosure, minimize the damage to your credit, and get back on track. We offer a free consultation with no obligations. There are many options- [...]]]></description>
			<content:encoded><![CDATA[
If you are behind on Mortgage Payments or if your house is worth less then what is owed&hellip; We can help you!
Michelle &amp; Associates&nbsp; SHORT SALE&nbsp; team can help you avoid foreclosure, minimize the damage to your credit, and get back on track. We offer a free consultation with no obligations. There are many options- don&rsquo;t give up!
&nbsp;
A short sale is a sale of real estate in which the sale proceeds fall short of the balance owed on the property&#8217;s loan. It often occurs when a borrower cannot pay the mortgage loan on their property, but the lender decides that selling the property at a moderate loss is better than pressing the borrower. Both parties consent to the short sale process, because it allows them to avoid foreclosure, which involves hefty fees for the bank and poorer credit report outcomes for the borrowers.
What are the Qualifications for a Short Sale?
Financial Hardship
Monthly Income Shortfall
Insolvency
&nbsp;
A FORECLOSURE can cause a 300 Point Drop in your credit score and stay on your report for 10 years or more. Know your options to find the best solution for you&#8230;call today!
&nbsp;
Save your home and your credit!&nbsp; We have many short sales listed and offer quality service when it comes to short sale negotiations.

]]></content:encoded>
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		<title>National Association of Realtors  - 2011 Predictions</title>
		<link>http://raleighncrealestatemls.com/312/national-association-of-realtors-2011-predictions/</link>
		<comments>http://raleighncrealestatemls.com/312/national-association-of-realtors-2011-predictions/#comments</comments>
		<pubDate>Thu, 18 Nov 2010 18:26:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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Mortgage rates will rise to 5.4% by the end of 2011 from current 4.2% average rate provided the inflation rate stays manageable at near 2%.
&#160;
Total home sales, both existing and new combined, will rise to 5.5 million in 2011 from 5.1 million in 2010.
&#160;
&#160;If the Consumer Price Index inflation rate reaches 3%, then mortgage rates [...]]]></description>
			<content:encoded><![CDATA[
Mortgage rates will rise to 5.4% by the end of 2011 from current 4.2% average rate provided the inflation rate stays manageable at near 2%.
&nbsp;
Total home sales, both existing and new combined, will rise to 5.5 million in 2011 from 5.1 million in 2010.
&nbsp;
&nbsp;If the Consumer Price Index inflation rate reaches 3%, then mortgage rates could rise to 6% by the end of 2011, cutting home sales to 5.2 million.&nbsp;&nbsp;

]]></content:encoded>
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		<title>Water Heaters: 5 Tips for Saving Energy</title>
		<link>http://raleighncrealestatemls.com/311/water-heaters-5-tips-for-saving-energy/</link>
		<comments>http://raleighncrealestatemls.com/311/water-heaters-5-tips-for-saving-energy/#comments</comments>
		<pubDate>Mon, 08 Nov 2010 17:22:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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Your hot water heater eats energy: We want to reduce its appetite. Here are inexpensive things you can do to increase efficiency and cut energy bills.  According to the Department of Energy, water heating accounts for 14% to 25% of your household&#8217;s total energy costs&#8212;more than $300 per year. Trim those hot water costs [...]]]></description>
			<content:encoded><![CDATA[
Your hot water heater eats energy: We want to reduce its appetite. Here are inexpensive things you can do to increase efficiency and cut energy bills.  According to the Department of Energy, water heating accounts for 14% to 25% of your household&#8217;s total energy costs&#8212;more than $300 per year. Trim those hot water costs with these 5 smart tips for saving energy.
 Saving Energy Tip #1: Wrap your heater in a blanket
Your water heater needs a blanket in the winter to stay warm, especially if it lives in an unheated space. A fiberglass insulating blanket can cut heat loss by 25% to 40% and save 4% to 9% on the average water-heating bill of $308, says the American Council for an Energy Efficient Economy (ACEEE).Insulating blankets are easy to install and inexpensive ($30). When dressing your tank for saving energy, be careful not to block the thermostat on an electric water heater or the air inlet and exhaust on a gas unit.
 Saving Energy Tip #2: Install low-flow fixtures
One sure way to cut hot water costs is to use less of it.The ACEEE says a family of four uses 700 gallons of hot water per week. Install low-flow shower heads&nbsp;and faucet aerators ($10 to $20 each) and cut hot water consumption by 25% to 60%, typically $200 off the average U.S. household water bill of $475, according to the U.S. Environmental Protection Agency.
  Saving Energy Tip #3: Take your water heater&#8217;s temperature
Your water heater probably came from the factory with its temperature set high. For every 10 degrees you turn it down, you&#8217;ll save 3% to 5% on your bill. A setting at 120 to 140 degrees is hot enough. Just don&#8217;t go below 120 degrees, which could lead to bacteria growth inside the tank.If the thermostat on your water heater doesn&#8217;t have a numbered gauge, put it midway between the &#8220;low&#8221; and &#8220;medium&#8221; marks. Wait a day, and then measure the tap temperature with a cooking thermometer. Keep adjusting until you hit your target temperature.  Saving Energy Tip #4: Drain the sediment
Tanks naturally build up sediment, which reduces efficiency and makes saving energy a challenge.  Draining the tank and saving energy is relatively easy. Turn off the water and power to the unit (set the burner on a gas unit to &#8220;pilot&#8221;). Connect a garden hose to the spigot at the base of the tank. With the other end of the hose pointed at your floor drain, carefully lift the tank&#8217;s pressure-relief valve and turn on the spigot; water should begin to flow.  While most manufacturers recommend draining the tank once or twice a year, you don&#8217;t have to drain it completely; in fact, the Department of Energy recommends draining less water more often&#8212;just a quart every three months.
Saving Energy Tip #5: Insulate exposed hot-water pipes
Like blanketing the tank, wrapping insulation around hot-water pipes reduces standby losses. Water arrives at the tap 2 to 4 degrees warmer, which means you won&#8217;t have to wait as long for it to heat up, thus saving energy, water, and money.
While this isn&#8217;t an expensive DIY job&#8212;6-foot-long, self-sealing sleeves ($2.50) easily slip over pipes&#8212;it could take effort, depending on where your hot water pipes are located. Exposed pipes in the basement are an easy target: hard-to-reach pipes in crawl spaces or walls might not be worth the trouble.

By: Joe Bousquin House Logic

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		<title>Would you like a $400 Visa Card?</title>
		<link>http://raleighncrealestatemls.com/310/would-you-like-400-visa-card/</link>
		<comments>http://raleighncrealestatemls.com/310/would-you-like-400-visa-card/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 16:16:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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		<description><![CDATA[You might not be looking to buy or sell right now, but Michelle &#38; Associates Inc., would still like to help any of our clients who might be considering refinancing their current mortgage.You may be able to take advantage of this special offer&#8230;.. Our preferred lender is offering a $400 Visa Gift card if you [...]]]></description>
			<content:encoded><![CDATA[You might not be looking to buy or sell right now, but Michelle &amp; Associates Inc., would still like to help any of our clients who might be considering refinancing their current mortgage.You may be able to take advantage of this special offer&#8230;.. Our preferred lender is offering a $400 Visa Gift card if you close on your loan by December 31st&#8230;.and this includes refinancing! You might be able to lower your payment with today&#8217;s low rates AND make $400 !!
Contact us for details.
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		<title>Retirement Approaching? - Should you Refinance?</title>
		<link>http://raleighncrealestatemls.com/309/retirement-approaching-should-you-refinance/</link>
		<comments>http://raleighncrealestatemls.com/309/retirement-approaching-should-you-refinance/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 16:09:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Raleigh NC Real Estate]]></category>

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		<description><![CDATA[Retirement planners usually advise against carrying mortgage debt into the golden years. But homeowners over 50 are living in a different real estate world now. SmartMoney reports that around 50 percent of today&#8217;s retirees are carrying mortgages, as compared to 25 percent two years ago. The following article explains when refinancing a mortgage during retirement [...]]]></description>
			<content:encoded><![CDATA[Retirement planners usually advise against carrying mortgage debt into the golden years. But homeowners over 50 are living in a different real estate world now. SmartMoney reports that around 50 percent of today&#8217;s retirees are carrying mortgages, as compared to 25 percent two years ago. The following article explains when refinancing a mortgage during retirement makes sense and when it doesn&#8217;t.
With interest rates near record lows, refinancing has never looked so tempting " especially for people nearing retirement, who&#8217;d love some extra cash to pad their diminished savings. But for homeowners over 50, there&#8217;s more to consider than just a lower rate.
Carrying a mortgage into retirement has traditionally been considered a bad idea " ideally, you&#8217;d be as debt-free as possible when your income stops, financial planners say. But in recent years, more retirees have had mortgage debt. About half of retirees said they carried mortgage debt in 2009, compared to one in four just two years earlier, according to the Society of Actuaries. They&#8217;re carrying more debt, too. The median level of mortgage debt for those aged 65 to 74 jumped 108 percent from 1992 to 2007, to $69,000.
&nbsp;
That trend is unlikely to abate any time soon. With the typical interest rate for a 30-year mortgage hovering between 4 percent and 6 percent, the temptation is obvious: more cash in hand. American homeowners who are eligible to refinance have in droves. Refinancing applications made up about 82 percent of total mortgage loan applications in October, compared to just 55 percent in April, according to the Mortgage Bankers Association. The payoff is hundreds of dollars in &#8220;savings&#8221; each month. A $200,00 mortgage balance at 6.5 percent refinanced to 4.5% could cut monthly payments by $200 or more.
By: AOL Real Estate Source: Smart Money
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