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	<title>Harrisburg Real Estate Weblog &#187; National Association of REALTORS</title>
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	<description>The ramblings of a real estate veteran.</description>
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		<title>Harrisburg Real Estate Weblog &#187; National Association of REALTORS</title>
		<link>http://tomblefko.com</link>
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		<title>Four Trends That Will Rock the Real Estate Industry in 2012</title>
		<link>http://tomblefko.com/2012/01/23/four-trends-that-will-rock-the-real-estate-industry-in-2012/</link>
		<comments>http://tomblefko.com/2012/01/23/four-trends-that-will-rock-the-real-estate-industry-in-2012/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 00:32:40 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
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		<category><![CDATA[Edina Realty]]></category>
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		<category><![CDATA[Multiple Listing Service]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Predictions]]></category>
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		<category><![CDATA[real estate web sites]]></category>
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		<guid isPermaLink="false">http://tomblefko.com/?p=2968</guid>
		<description><![CDATA[My list of four trends that are sure to impact the real estate industry in 2012 and beyond.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&amp;blog=5527531&amp;post=2968&amp;subd=tomblefko&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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	</item>
		<item>
		<title>US Won&#8217;t be Nation of Renters</title>
		<link>http://tomblefko.com/2011/11/24/us-wont-be-nation-of-renters/</link>
		<comments>http://tomblefko.com/2011/11/24/us-wont-be-nation-of-renters/#comments</comments>
		<pubDate>Thu, 24 Nov 2011 12:14:46 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Carla Hill]]></category>
		<category><![CDATA[Crime]]></category>
		<category><![CDATA[Eli Beracha]]></category>
		<category><![CDATA[Federal Reserve System]]></category>
		<category><![CDATA[Florida International University]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Mortgage Payments]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Realty Times]]></category>
		<category><![CDATA[Rent vs. Buy]]></category>
		<category><![CDATA[Renters]]></category>
		<category><![CDATA[Ron Phipps]]></category>
		<category><![CDATA[Unemployment]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2772</guid>
		<description><![CDATA[Homeownership has both financial and social benefits that renters don't enjoy.  According to the most recent data from the Federal Reserve Board, a homeowner's net worth is 45.9 times that of a renter's.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&amp;blog=5527531&amp;post=2772&amp;subd=tomblefko&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<title>Dying on the Vine</title>
		<link>http://tomblefko.com/2011/10/06/dying-on-the-vine/</link>
		<comments>http://tomblefko.com/2011/10/06/dying-on-the-vine/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 10:56:34 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Agents]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Contract]]></category>
		<category><![CDATA[Home Inspection]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Multiple Listing Service]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2678</guid>
		<description><![CDATA[It is more important than ever to select a real estate agent that not only knows what they're doing, but also can guide a buyer and seller through the complexities of a real estate transaction.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&amp;blog=5527531&amp;post=2678&amp;subd=tomblefko&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>2</slash:comments>
	
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	</item>
		<item>
		<title>REALTORS® Property Resource &#8211; The Good, the Bad and the Ugly</title>
		<link>http://tomblefko.com/2011/08/28/realtors%c2%ae-property-resource-the-good-the-bad-the-ugly/</link>
		<comments>http://tomblefko.com/2011/08/28/realtors%c2%ae-property-resource-the-good-the-bad-the-ugly/#comments</comments>
		<pubDate>Sun, 28 Aug 2011 13:07:52 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Agents]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Harrisburg]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[Central Penn Multiple Listing Service]]></category>
		<category><![CDATA[CPML]]></category>
		<category><![CDATA[Dale Ross]]></category>
		<category><![CDATA[MLS]]></category>
		<category><![CDATA[Multiple Listing Service]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Prudential Homesale Services Group]]></category>
		<category><![CDATA[Realtors Property Resource (RPR)]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2644</guid>
		<description><![CDATA[The REALTORS® Property Resource (RPR) is finally here in the Greater Harrisburg area.  Late last week, the Central Penn Multiple Listing (CPML) service turned on the spigot and rich, property data started flowing to its members.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&amp;blog=5527531&amp;post=2644&amp;subd=tomblefko&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://tomblefko.com/2011/08/28/realtors%c2%ae-property-resource-the-good-the-bad-the-ugly/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
	
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			<media:title type="html">RPR Report Options Page</media:title>
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	</item>
		<item>
		<title>Is the Glass Half-Empty or Half-Full?</title>
		<link>http://tomblefko.com/2011/02/11/is-the-glass-half-empty-or-half-full/</link>
		<comments>http://tomblefko.com/2011/02/11/is-the-glass-half-empty-or-half-full/#comments</comments>
		<pubDate>Fri, 11 Feb 2011 11:54:24 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Agents]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[Glass Half-Empty]]></category>
		<category><![CDATA[Glass Half-Full]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Louis Pasteur]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Property Inventory Levels]]></category>
		<category><![CDATA[REALTOR Population]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[Short Sales & Foreclosure Resource]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2386</guid>
		<description><![CDATA[Many real estate agents over the past two years have found it very difficult to see the silver lining through all the dark clouds swirling around our industry.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&amp;blog=5527531&amp;post=2386&amp;subd=tomblefko&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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	</item>
		<item>
		<title>The 2013 Real Estate Sales Tax Myth</title>
		<link>http://tomblefko.com/2011/02/02/the-2013-real-estate-sales-tax-myth/</link>
		<comments>http://tomblefko.com/2011/02/02/the-2013-real-estate-sales-tax-myth/#comments</comments>
		<pubDate>Wed, 02 Feb 2011 14:42:47 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Empty Nester]]></category>
		<category><![CDATA[Financial Planner]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Obama]]></category>
		<category><![CDATA[Real Estate Sales Tax]]></category>
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		<category><![CDATA[Tax Accountant]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Warren Oates]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2375</guid>
		<description><![CDATA[There is a popular e-mail being passed around the internet that states, "Did you know that if you sell your house after 2012 you will pay a 3.8% sales tax on it?  That's $3,800 on a $100,000 home!  When did this happen?  It's in the health care bill and it is scheduled to go into effect in 2013, right after the 2012 elections.  So, this is 'change you can believe in' that Obama has been preaching?"  Read this post to sift through what is fact and fiction.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&amp;blog=5527531&amp;post=2375&amp;subd=tomblefko&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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	</item>
		<item>
		<title>Four Strategies to Put You on the Right Path for 2011</title>
		<link>http://tomblefko.com/2011/01/12/four-strategies-to-put-you-on-the-right-path-for-2011/</link>
		<comments>http://tomblefko.com/2011/01/12/four-strategies-to-put-you-on-the-right-path-for-2011/#comments</comments>
		<pubDate>Wed, 12 Jan 2011 22:54:22 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Agents]]></category>
		<category><![CDATA[Market Conditions]]></category>
		<category><![CDATA[2011]]></category>
		<category><![CDATA[Motivation]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Statistics]]></category>
		<category><![CDATA[Strategies]]></category>
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		<category><![CDATA[U.S. Housing Market]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2331</guid>
		<description><![CDATA[What are you doing to prepare for success in 2011?  The status quo is no longer acceptable.  Doing nothing is not an option anymore.  If you aren’t progressing, you’re falling behind.
<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&amp;blog=5527531&amp;post=2331&amp;subd=tomblefko&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Print</media:title>
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		<title>Five Tips for Deciphering Your Home Loan&#8217;s Good-Faith Estimate</title>
		<link>http://tomblefko.com/2010/09/06/five-tips-for-deciphering-your-home-loans-good-faith-estimate/</link>
		<comments>http://tomblefko.com/2010/09/06/five-tips-for-deciphering-your-home-loans-good-faith-estimate/#comments</comments>
		<pubDate>Mon, 06 Sep 2010 19:13:58 +0000</pubDate>
		<dc:creator>tblefko</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[G. M. Filisko]]></category>
		<category><![CDATA[Good Faith Estimate]]></category>
		<category><![CDATA[HouseLogic.com]]></category>
		<category><![CDATA[HUD-1 Settlement Statement]]></category>
		<category><![CDATA[National Association of REALTORS]]></category>
		<category><![CDATA[Web Sites]]></category>

		<guid isPermaLink="false">http://tomblefko.com/?p=2267</guid>
		<description><![CDATA[When you're shopping for a mortgage loan, it's sometimes hard to understand the jargon lenders use in the good-faith estimate when explaining the costs and fees you'll pay when taking out a mortgage.  Here are five tips for using the new three-page form to your advantage.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=tomblefko.com&amp;blog=5527531&amp;post=2267&amp;subd=tomblefko&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Mortgages under the magnifying glass</media:title>
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