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	<title>The Shopping Nazi &#187; My First Boise Home</title>
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		<title>Mortgage Update</title>
		<link>http://theshoppingnazi.com/mortgage-update/</link>
		<comments>http://theshoppingnazi.com/mortgage-update/#comments</comments>
		<pubDate>Tue, 02 Nov 2010 13:00:25 +0000</pubDate>
		<dc:creator>The Shopping Nazi</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Boise ID]]></category>
		<category><![CDATA[Craig Ballhagen]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Lending Tree]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[My First Boise Home]]></category>

		<guid isPermaLink="false">http://theshoppingnazi.com/?p=4078</guid>
		<description><![CDATA[We are weeks away from Christmas. I you are like me, I am thinking more about having enough money for Christmas than what is happen with mortgage. However,  for those who are still looking to buy a new home there is a few update I want to share with you. Considering everything that has happen in the past few years. Loans given out to people who should not of have gotten. Other folks who found themselves out of work facing foreclosure. Banks and loan institutions have tighten what qualifies for a home loan. Craig Ballhagen over at MyFirstBoiseHome.com wrote on his blog about how Idaho mortgage guidelines are constantly changing.  It is very important for future home buyers to take the time to be informed. The whole qualifying for a loan is broken down into 3 areas. Credit report, employment, and income/debt ratio. If you don&#8217;t fall within the guidelines in each of these three area it is time to look at how your can adjust your finances. Credit Score &#8211; The credit score is the first thing lenders will look at when applying for a home loan. Craig say, &#8220;If a home buyer has a score of less than 580, they are not [...]]]></description>
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		<title>Boise Home Buyers Guide to Short Sales</title>
		<link>http://theshoppingnazi.com/boise-home-buyers-guide-to-short-sales/</link>
		<comments>http://theshoppingnazi.com/boise-home-buyers-guide-to-short-sales/#comments</comments>
		<pubDate>Tue, 08 Jun 2010 14:00:00 +0000</pubDate>
		<dc:creator>Craig Ballhagen</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[My First Boise Home]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://theshoppingnazi.com/?p=3034</guid>
		<description><![CDATA[The following was posted on MyFirstBoiseHome.com. I felt that this information is so important in helping you save money, I have re-posted for you folks. Real Estate looks a little different today than it did 5 years ago. We’ve seen some good times and we’ve seen some not so good times in real estate but the name of the game is adapting. We can all say we specialize in something but what we need to specialize in is what our clients and prospective clients need. And when I say specialize I mean be proficient, very proficient. In the boom years I primarily worked with buyers, that was where the demand was. As we started to see housing bust around the country and then into our Valley in force in ’07 helping folks avoid foreclosure became a real focal point. I recognized the need that was coming and started to gear up for short sales; I went straight to the bank and got their playbook – seriously… Quality of service has always been my focus. While I overhear conversations boasting of gross sales, etc. I make it my goal to have the highest close ratios for my sellers and the best [...]]]></description>
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		<title>Death to the McMansion?-Idaho Consumers Want Smaller Homes</title>
		<link>http://theshoppingnazi.com/death-to-the-mcmansion-idaho-consumers-want-smaller-homes/</link>
		<comments>http://theshoppingnazi.com/death-to-the-mcmansion-idaho-consumers-want-smaller-homes/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 15:00:09 +0000</pubDate>
		<dc:creator>Craig Ballhagen</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Craig Ballhagen]]></category>
		<category><![CDATA[Homes]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[My First Boise Home]]></category>

		<guid isPermaLink="false">http://theshoppingnazi.com/?p=2268</guid>
		<description><![CDATA[Once again, how much is enough? How much square footage does a person REALLY need?  How many rooms in a house are full of “stuff?” Home buyers are trending towards smaller homes and down-sizing their personal fleet of vehicles from four to two.  More and more realtors are blogging about these exact trends.  Builders are re-thinking their futures and moving towards building 2,000 square feet homes, as opposed to 5,000 square feet. It is true that a larger home means a larger mortgage payment, larger tax bill, higher utility costs, and so on–not to mention extra maintenance and up-keep.  Remember, the more money a person spends now means the less they will have for retirement (which means the more years a person will have to work).  When someone works feverishly to earn 10k per month but then spends 10k plus another $1.00, what is the point? What if that 10k per-month job disappears?  Then what? Most of us consume far beyond our means.   What is it going to take to reverse this way of living?  Unfortunately, many people are being forced to do it now due to job loss and foreclosures.   Painful lifestyle adjustments need to be made and a new mindset of spending less has to be learned and [...]]]></description>
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		<title>Must Have Calculators</title>
		<link>http://theshoppingnazi.com/must-have-calculators/</link>
		<comments>http://theshoppingnazi.com/must-have-calculators/#comments</comments>
		<pubDate>Fri, 27 Nov 2009 15:00:35 +0000</pubDate>
		<dc:creator>The Shopping Nazi</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Excel]]></category>
		<category><![CDATA[My First Boise Home]]></category>
		<category><![CDATA[PopWallet]]></category>
		<category><![CDATA[Quicken]]></category>
		<category><![CDATA[Saving Advice]]></category>

		<guid isPermaLink="false">http://theshoppingnazi.com/?p=1464</guid>
		<description><![CDATA[When I was growing up my dad would cash his pay check, bring it home and put divide it up by putting it in envelopes. Each envelope was to represent a bill that needed to be paid. This was one generation from putting money in a set of jars, with each jar committed to a bill. On the other extreme I have talked to some people of the younger generations who keep a rough running total in their head. For some reason the vast majority of these people are overdrawn on their checking, for reasons they cannot understand. In my junior and senior year of high school we had a special class on budgeting. It included a handwritten a ledger. We had to keep a running total of outgoing and incoming money. Today, I use a little easier method of tracking our family finances; it is called Quicken. I personally cannot see a family keep track of their finances without soft kind of software or basic accounting system. When it comes to planning a big purchase, vacation, or anything it helps to have a calculator. Nothing is worst than not have money food two days before pay day. You can create your own calculator by using Excel spreadsheet. [...]]]></description>
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