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	<title>Practical Real Estates</title>
	<link>http://practicalrealestates.com</link>
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	<lastBuildDate>Sat, 20 Feb 2010 12:26:42 +0000</lastBuildDate>
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		<title>Real Estate Transfer Tax</title>
		<description><![CDATA[
Real estate transfer tax is a tax that may be imposed by states, counties, or municipalities on the privilege of transferring real property within the jurisdiction. Total transfer taxes range from very small (for example, .01% in Colorado) to relatively large (2.2% in the District of Columbia).
Some states have a variety of transfer tax laws [...]]]></description>
		<link>http://practicalrealestates.com/facts/real-estate-transfer-tax/</link>
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		<title>The price is right.</title>
		<description><![CDATA[There is a thing called negotiation when it comes to real estate. Before a deal is to be close, the two involved parties should come into mutual terms before both of them sign the contract (one cannot refuse to sign. It won&#8217;t be a closed deal if that the scenario). Normally, this happens if the [...]]]></description>
		<link>http://practicalrealestates.com/information/the-price-is-right/</link>
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		<title>Financing for First Time Homebuyers</title>
		<description><![CDATA[
If you&#8217;re a first-time home-buyer, don&#8217;t listen to all those rumors that say you must have a squeaky-clean credit record and need to make an exorbitant down payment before you can buy your own home.  Today&#8217;s lenders are more financially-friendly to first time home buyers. These days, it&#8217;s now normal to make a 10% [...]]]></description>
		<link>http://practicalrealestates.com/buying/financing-for-first-time-homebuyers/</link>
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		<title>How Real Estate Agents Get Paid</title>
		<description><![CDATA[
If you&#8217;d like to understand how real estate agents earn a seller or buyer&#8217;s commission, you need to look at how agents get paid and how they share commissions.  First of all, real estate agents work under a real estate broker.  All fees that the real estate agent gets has to go through the broker.  [...]]]></description>
		<link>http://practicalrealestates.com/information/how-real-estate-agents-get-paid/</link>
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		<title>Buyer-Broker Agreement: Exclusive Representation</title>
		<description><![CDATA[
The exclusive right to represent is similar to the non-exclusive agreement except the buyer agrees to work exclusively with the agent or the broker.  This means that the buyer cannot hire more than one broker or agent to represent him or her, that the commission is negotiable, that the buyer is not obligated to pay [...]]]></description>
		<link>http://practicalrealestates.com/information/buyer-broker-agreement-exclusive-representation/</link>
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		<title>Realty Loan Inspection</title>
		<description><![CDATA[When you buy or sell a house through financing, a termite report is required by the lenders. They call it certification so that your loan will be approved. Normally you have to submit it before closing a transaction or a few days before the close. It is advisable to have more time just in case [...]]]></description>
		<link>http://practicalrealestates.com/general/realty-loan-inspection/</link>
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		<title>Buying A Home In Foreclosure</title>
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Foreclosure occurs when a buyer cannot afford to make payments on his loan.  When this happens, the property gets repossessed by the bank or the lender for the amount that could not be repaid.  The lender becomes the owner of the bank but instead of keeping repossessed property, they put it on sale in the [...]]]></description>
		<link>http://practicalrealestates.com/information/buying-a-home-in-foreclosure/</link>
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		<title>Rental Contracts &#8211; Breaking them with &#8220;Just Cause&#8221;</title>
		<description><![CDATA[It may sound odd but rental contracts tend to be quite one sided if you ask me and they are more or less put in place to look after the interest of the landlord or the property owner. Though mostly bullet-proof there are certain provisions that can allow you to break a contract should you [...]]]></description>
		<link>http://practicalrealestates.com/information/rental-contracts-how-to-break-them/</link>
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		<title>How to Save on Home Insurance</title>
		<description><![CDATA[It can be easy to save on your home&#8217;s insurance should you know the right moves such as opting for a higher deductible level that originally prescribed in your contract. This would be best done during the few weeks before you&#8217;d have to renew your contract, when you can inform the insurance firm you are [...]]]></description>
		<link>http://practicalrealestates.com/information/how-to-save-on-home-insurance/</link>
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		<title>Home Prices Leveling Off &#8211; Finally</title>
		<description><![CDATA[One good news from this recession wrecked world is that real estates experts are saying that home prices are starting to level out. After an almost continuous year long decline (more than that for other areas), prices seem to have stabilized to the much-awaited rock bottom prices. Mortgage rates are also at their lowest ever [...]]]></description>
		<link>http://practicalrealestates.com/information/home-prices-leveling-off-finally/</link>
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