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<!--Generated by Squarespace Site Server v4.1.2 (http://www.squarespace.com/) on Thu, 22 May 2008 20:07:42 GMT--><rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:rss="http://purl.org/rss/1.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:admin="http://webns.net/mvcb/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:cc="http://web.resource.org/cc/"><rss:channel rdf:about="http://www.californiahousingforecast.com/guestcolumn/"><rss:title>Guest Column</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/</rss:link><rss:description></rss:description><dc:language>en-US</dc:language><dc:date>2008-05-22T20:07:42Z</dc:date><admin:generatorAgent rdf:resource="http://www.squarespace.com/">Squarespace Site Server v4.1.2 (http://www.squarespace.com/)</admin:generatorAgent><rss:items><rdf:Seq><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/2008/2/1/the-hoa-trap-think-twice-before-buying-condominium-or-townho.html"/><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/2007/12/30/how-low-in-oxnard.html"/><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/2007/12/30/how-low-in-san-diego.html"/><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/guest-column-automated-underwriting-system.html"/><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/2007/10/1/median-listing-prices-for-october.html"/><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/2007/9/15/percent-of-income-spent-on-housing.html"/><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/2007/9/1/housing-overvaluation-update.html"/><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/san-joaquin-valley-coming-unglued.html"/><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/2007/7/17/housing-affordability.html"/><rdf:li rdf:resource="http://www.californiahousingforecast.com/guestcolumn/2007/6/29/incomes-in-the-us.html"/></rdf:Seq></rss:items></rss:channel><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/2008/2/1/the-hoa-trap-think-twice-before-buying-condominium-or-townho.html"><rss:title>The HOA Trap: Think Twice Before Buying Condominium or Townhome</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/2008/2/1/the-hoa-trap-think-twice-before-buying-condominium-or-townho.html</rss:link><dc:creator>Ralph Sweitzer</dc:creator><dc:date>2008-02-01T14:28:57Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[Ralph Schweitzer describes his first hand accounts of the hassle and hidden costs of belonging to a Homeowners' Association.]]></content:encoded></rss:item><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/2007/12/30/how-low-in-oxnard.html"><rss:title>How low in Oxnard</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/2007/12/30/how-low-in-oxnard.html</rss:link><dc:creator>Schahrzad Berkland</dc:creator><dc:date>2007-12-30T23:01:25Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[Median price chart]]></content:encoded></rss:item><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/2007/12/30/how-low-in-san-diego.html"><rss:title>How low in San Diego?</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/2007/12/30/how-low-in-san-diego.html</rss:link><dc:creator>Schahrzad Berkland</dc:creator><dc:date>2007-12-30T18:32:12Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[San Diego median prices are falling]]></content:encoded></rss:item><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/guest-column-automated-underwriting-system.html"><rss:title>Guest Column - Automated Underwriting System</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/guest-column-automated-underwriting-system.html</rss:link><dc:creator>Schahrzad Berkland</dc:creator><dc:date>2007-10-18T21:10:59Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[Reader and mortgage broker Roger Herrick contributed this article on automated underwriting for mortgages.]]></content:encoded></rss:item><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/2007/10/1/median-listing-prices-for-october.html"><rss:title>Median Listing Prices for October</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/2007/10/1/median-listing-prices-for-october.html</rss:link><dc:creator>Lee Williams</dc:creator><dc:date>2007-10-01T18:56:20Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[Here are the historical Median Listing Prices supplied by  Housing Tracker. No bottom in sight yet...]]></content:encoded></rss:item><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/2007/9/15/percent-of-income-spent-on-housing.html"><rss:title>Percent of Income Spent on Housing</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/2007/9/15/percent-of-income-spent-on-housing.html</rss:link><dc:creator>Lee Williams</dc:creator><dc:date>2007-09-15T18:28:37Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[What percentage of household income do Californian's spend on Housing?  You may be surprised...]]></content:encoded></rss:item><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/2007/9/1/housing-overvaluation-update.html"><rss:title>Housing Overvaluation Update</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/2007/9/1/housing-overvaluation-update.html</rss:link><dc:creator>Lee Williams</dc:creator><dc:date>2007-09-01T17:38:29Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[Many of you will recall my article on "Housing Overvaluation" about 4 months ago.  Here is an update...]]></content:encoded></rss:item><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/san-joaquin-valley-coming-unglued.html"><rss:title>San Joaquin Valley Coming Unglued</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/san-joaquin-valley-coming-unglued.html</rss:link><dc:creator>Lee Williams</dc:creator><dc:date>2007-07-28T14:25:24Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[Have you looked up north lately?  The San Joaquin Valley is being hammered.  Here is a preview...]]></content:encoded></rss:item><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/2007/7/17/housing-affordability.html"><rss:title>Housing Affordability</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/2007/7/17/housing-affordability.html</rss:link><dc:creator>Lee Williams</dc:creator><dc:date>2007-07-17T18:13:53Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[A popular way to quantify Housing Affordability is by the ratio of House Price / Income.  Read Lee's analysis of a new study here...]]></content:encoded></rss:item><rss:item rdf:about="http://www.californiahousingforecast.com/guestcolumn/2007/6/29/incomes-in-the-us.html"><rss:title>Incomes in the US</rss:title><rss:link>http://www.californiahousingforecast.com/guestcolumn/2007/6/29/incomes-in-the-us.html</rss:link><dc:creator>Lee Williams</dc:creator><dc:date>2007-06-29T16:46:02Z</dc:date><dc:subject></dc:subject><content:encoded><![CDATA[Are you losing or gaining ground financially?  Lee's latest article examines Incomes in America and provides an historical perspective of where we've come from and where we are heading.]]></content:encoded></rss:item></rdf:RDF>