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	<title>Bay Area REBlog &#187; Uncategorized</title>
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	<link>http://bayareareblog.com</link>
	<description>Just another nocalcrsblog.com weblog</description>
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		<title>Times are a changing -This one for Loans</title>
		<link>http://bayareareblog.com/2009/07/31/changing-times-this-one-for-loans/</link>
		<comments>http://bayareareblog.com/2009/07/31/changing-times-this-one-for-loans/#comments</comments>
		<pubDate>Sat, 01 Aug 2009 01:50:17 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[loan disclosures]]></category>
		<category><![CDATA[MDIA]]></category>
		<category><![CDATA[mortgage disclosure improvement act]]></category>
		<category><![CDATA[regulation Z]]></category>
		<category><![CDATA[til]]></category>
		<category><![CDATA[truth in lending]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=275</guid>
		<description><![CDATA[Oh my goodness, more regulations!!  I know it is a result of the mortgage crisis and buyers saying they did not know information about the loans they agreed to sign but now we will see more time delays. The Mortgage Disclosure Improvement Act (MDIA) amends the Truth in Lending Act- (you know the Regulation Z, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Obon Festival</title>
		<link>http://bayareareblog.com/2009/07/17/obon-festival/</link>
		<comments>http://bayareareblog.com/2009/07/17/obon-festival/#comments</comments>
		<pubDate>Sat, 18 Jul 2009 05:30:10 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Mountain View Obon]]></category>
		<category><![CDATA[Obon festival]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=265</guid>
		<description><![CDATA[
 
 

 
 
 
 

]]></description>
		<wfw:commentRss>http://bayareareblog.com/2009/07/17/obon-festival/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free Concert in Los Altos!</title>
		<link>http://bayareareblog.com/2009/06/11/213/</link>
		<comments>http://bayareareblog.com/2009/06/11/213/#comments</comments>
		<pubDate>Thu, 11 Jun 2009 21:08:49 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=213</guid>
		<description><![CDATA[Just got details of this fun event this coming Sunday, June 14th from 4 &#8211; 8 pm at the Central Plaza in Los Altos.
Local artist, James Lanman, along with Momo Smitt and Jane Lui will be performing.
The event is commemorating what would have been the 21st birthday of MVHS graduate, Chase Rogers, who died tragically of [...]]]></description>
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		<item>
		<title>Fine Art in the Park</title>
		<link>http://bayareareblog.com/2009/05/04/fine-art-in-the-park/</link>
		<comments>http://bayareareblog.com/2009/05/04/fine-art-in-the-park/#comments</comments>
		<pubDate>Mon, 04 May 2009 20:40:33 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Community News]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Art in the Park]]></category>
		<category><![CDATA[Los Altos art show]]></category>
		<category><![CDATA[Los Altos events]]></category>
		<category><![CDATA[Rotary art show]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=182</guid>
		<description><![CDATA[
I have always loved going to the art show held in Los Altos at Lincoln Park.  It is put on by the Los Altos Rotary Club and is a major fund raiser for scholarships, community-based and global charity projects. The more than 200 artists are screened and the quality of art is unmatched. Every year I can&#8217;t [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Out with the old&#8230;..local recycling info.</title>
		<link>http://bayareareblog.com/2009/02/03/out-with-the-oldlocal-recycling-info/</link>
		<comments>http://bayareareblog.com/2009/02/03/out-with-the-oldlocal-recycling-info/#comments</comments>
		<pubDate>Tue, 03 Feb 2009 21:23:23 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bay Area Real Estate]]></category>
		<category><![CDATA[Recycling information]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=168</guid>
		<description><![CDATA[Thanks to Stephen McInerney who posted this information to the Monta Loma neighborhood website and was delighted to have it posted on my blog also&#8230;.useful information for us all to have &#8211; should allow us all to clean up our collective acts in 2009  
PACKING MATERIALS
- The UPS Store at Showers Dr/San Antonio (beside Walmart [...]]]></description>
		<wfw:commentRss>http://bayareareblog.com/2009/02/03/out-with-the-oldlocal-recycling-info/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Enough of the Doom and Gloom!</title>
		<link>http://bayareareblog.com/2009/01/29/enough-of-the-doom-and-gloom/</link>
		<comments>http://bayareareblog.com/2009/01/29/enough-of-the-doom-and-gloom/#comments</comments>
		<pubDate>Thu, 29 Jan 2009 18:32:51 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=166</guid>
		<description><![CDATA[In the words of our new President during his inaugural address, “Starting today, we must pick ourselves up, dust ourselves off and begin again the work of remaking America.  For everywhere we look, there is work to be done.  The state of the economy calls for action, bold and swift, and we will act—not only [...]]]></description>
		<wfw:commentRss>http://bayareareblog.com/2009/01/29/enough-of-the-doom-and-gloom/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Keep your credit looking good!</title>
		<link>http://bayareareblog.com/2008/12/17/keep-your-credit-looking-good/</link>
		<comments>http://bayareareblog.com/2008/12/17/keep-your-credit-looking-good/#comments</comments>
		<pubDate>Wed, 17 Dec 2008 19:07:06 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=133</guid>
		<description><![CDATA[Credit card companies are starting to reduce credit limits on some borrowers, causing a major drag on their credit score. When the total available credit shrinks, the percentage of credit being used goes up, which has the potential to do some damage to your credit score. At the moment a good credit score is necessary to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bagless in Palo Alto?</title>
		<link>http://bayareareblog.com/2008/12/11/bagless-in-palo-alto/</link>
		<comments>http://bayareareblog.com/2008/12/11/bagless-in-palo-alto/#comments</comments>
		<pubDate>Thu, 11 Dec 2008 17:31:29 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Palo Alto]]></category>
		<category><![CDATA[San Francisco Bay Area]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=127</guid>
		<description><![CDATA[Palo Alto residents and businesses are working together to reduce waste, litter, conserve resources and reduce greenhouse gas emissions, with many stores giving coupons for reusable bags. The city is providing the stores with free advertising in exchange for offering the deals.
Country Sun Natural Foods, 440 S. California Avenue – Buy 1 bag, get 1 [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lenders Illegally reducing or canceling HELOC</title>
		<link>http://bayareareblog.com/2008/11/26/lenders-illegally-reducing-or-canceling-heloc/</link>
		<comments>http://bayareareblog.com/2008/11/26/lenders-illegally-reducing-or-canceling-heloc/#comments</comments>
		<pubDate>Thu, 27 Nov 2008 04:45:16 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[consumer complaints for HELOC]]></category>
		<category><![CDATA[consumer help for HELOC reduction]]></category>
		<category><![CDATA[HELOC]]></category>
		<category><![CDATA[home equity line of credit]]></category>
		<category><![CDATA[illegal cancel HELOC]]></category>
		<category><![CDATA[illegal reduce HELOC]]></category>
		<category><![CDATA[lender unfair on HELOC]]></category>
		<category><![CDATA[line of credit loan cancelled]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=116</guid>
		<description><![CDATA[ Needless to say, I was not happy this week when I received the dreaded letter from my lender informing me my equityline of credit limit had been frozen at the amount I had already used. Although I was aware of others who have had the same experience within the last few months, I thought I was safe [...]]]></description>
		<wfw:commentRss>http://bayareareblog.com/2008/11/26/lenders-illegally-reducing-or-canceling-heloc/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seniors Can Postpone Property Taxes!!!</title>
		<link>http://bayareareblog.com/2008/11/18/seniors-can-postpone-property-taxes/</link>
		<comments>http://bayareareblog.com/2008/11/18/seniors-can-postpone-property-taxes/#comments</comments>
		<pubDate>Wed, 19 Nov 2008 03:53:59 +0000</pubDate>
		<dc:creator>joannefraser</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[California Property tax]]></category>
		<category><![CDATA[California real estate]]></category>
		<category><![CDATA[disabled homeowner taxes]]></category>
		<category><![CDATA[low interest loans for seniors]]></category>
		<category><![CDATA[Property Tax postponement]]></category>
		<category><![CDATA[property taxes]]></category>
		<category><![CDATA[seniors postpone taxes]]></category>
		<category><![CDATA[tax relief]]></category>

		<guid isPermaLink="false">http://bayareareblog.com/?p=114</guid>
		<description><![CDATA[It is true we can not avoid Death or Taxes but it seems California Homeowners can at least postpone property taxes. California homeowners on fixed incomes may be eligible for low interest loans to pay their property taxes. Borrowers pay interest only and the principal does not have to be paid until the home is [...]]]></description>
		<wfw:commentRss>http://bayareareblog.com/2008/11/18/seniors-can-postpone-property-taxes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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