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		<title>December 2011 Item of Value</title>
		<link>http://nickandcindydavis.wordpress.com/2011/12/21/december-2011-item-of-value/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/12/21/december-2011-item-of-value/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 16:55:06 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
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		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/2011/12/21/december-2011-item-of-value/</guid>
		<description><![CDATA[<a href="http://nickandcindydavis.wordpress.com/2011/12/21/december-2011-item-of-value/"><img src="http://nickandcindydavis.files.wordpress.com/2011/12/item-of-value.jpg" alt="December 2011 Item of Value " class="size-full wp-image-1325" /></a><p>Hello!

With technology changing so quickly and our acquisition of the latest and greatest electronic devices, as we wrap up 2011 in this month’s Item of Value you will find some great information on how to dispose of your old electronics, whether you’re looking to sell, donate or recycle.

As always, if we can be of any assistance in the coming year please don’t hesitate to contact us.

Wishing you and your family a wonderful Holiday and a Happy, Healthy &#38; Prosperous New Year!
</p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1330&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://nickandcindydavis.wordpress.com/2011/12/21/december-2011-item-of-value/"><img src="http://nickandcindydavis.files.wordpress.com/2011/12/item-of-value.jpg" alt="December 2011 Item of Value " class="size-full wp-image-1325" /></a>
<p>Hello!</p>
<p>With technology changing so quickly and our acquisition of the latest and greatest electronic devices, as we wrap up 2011 in this month’s Item of Value you will find some great information on how to dispose of your old electronics, whether you’re looking to sell, donate or recycle.</p>
<p>As always, if we can be of any assistance in the coming year please don’t hesitate to contact us.</p>
<p>Wishing you and your family a wonderful Holiday and a Happy, Healthy &amp; Prosperous New Year!</p>
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			<media:title type="html">December 2011 Item of Value </media:title>
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		<title>November Item of Value</title>
		<link>http://nickandcindydavis.wordpress.com/2011/10/24/november-item-of-value-2/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/10/24/november-item-of-value-2/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 15:17:56 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
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		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/2011/10/24/november-item-of-value-2/</guid>
		<description><![CDATA[<a href="http://nickandcindydavis.wordpress.com/2011/10/24/november-item-of-value-2/"><img src="http://nickandcindydavis.wordpress.com/files/2011/10/november-item-of-value.jpg" alt="November Item of Value" class="size-full wp-image-1312" /></a><p>It’s hard to believe we are already approaching the Holiday season! In preparation for your Holiday shopping, in this month’s Item of Value you will find great information on Five FREE Apps that can save you money this season. Statistics show that 72% of consumers use their mobile devices to receive product deals, price alerts and coupons and downloading these Apps can help you find the best Black Friday deals!

As always, if we can be of any assistance please don’t hesitate to contact us.
</p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1313&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://nickandcindydavis.wordpress.com/2011/10/24/november-item-of-value-2/"><img src="http://nickandcindydavis.files.wordpress.com/2011/10/november-item-of-value.jpg" alt="November Item of Value" class="size-full wp-image-1312" /></a>
<p>It’s hard to believe we are already approaching the Holiday season! In preparation for your Holiday shopping, in this month’s Item of Value you will find great information on Five FREE Apps that can save you money this season. Statistics show that 72% of consumers use their mobile devices to receive product deals, price alerts and coupons and downloading these Apps can help you find the best Black Friday deals!</p>
<p>As always, if we can be of any assistance please don’t hesitate to contact us.</p>
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			<media:title type="html">November Item of Value</media:title>
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		<title>FICO helps mortgage servicers combat strategic defaults</title>
		<link>http://nickandcindydavis.wordpress.com/2011/10/12/fico-helps-mortgage-servicers-combat-strategic-defaults/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/10/12/fico-helps-mortgage-servicers-combat-strategic-defaults/#comments</comments>
		<pubDate>Wed, 12 Oct 2011 18:39:04 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
				<category><![CDATA[Brandon]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Land O Lakes]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Nick & Cindy Davis]]></category>
		<category><![CDATA[RE/MAX]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Riverview]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[Tampa]]></category>
		<category><![CDATA[Team Davis]]></category>
		<category><![CDATA[Trinity]]></category>
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		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/?p=1310</guid>
		<description><![CDATA[Lenders want ability to predict which property owners might default even when they can afford the monthly payments. FICO helps mortgage servicers combat strategic defaults.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1310&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><span style="font-family:Arial,sans-serif;color:#4c4c4c;font-size:9pt;">Lenders want ability to predict which property owners might default even when they can afford the monthly payments. </span></p>
<p><a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=1&amp;id=265961">FICO helps mortgage servicers combat strategic defaults</a>.</p>
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		<title>30% of buyers denied or give up on mortgage</title>
		<link>http://nickandcindydavis.wordpress.com/2011/10/10/30-of-buyers-denied-or-give-up-on-mortgage/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/10/10/30-of-buyers-denied-or-give-up-on-mortgage/#comments</comments>
		<pubDate>Mon, 10 Oct 2011 18:50:26 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
				<category><![CDATA[Brandon]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Homes for Sale]]></category>
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		<category><![CDATA[Nick & Cindy Davis]]></category>
		<category><![CDATA[RE/MAX]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Realtors]]></category>
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		<category><![CDATA[Team Davis]]></category>
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		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/?p=1308</guid>
		<description><![CDATA[The reasons for denial haven&#8217;t changed but the standards have. Credit scores must be higher, income more solid. 30% of buyers denied or give up on mortgage.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1308&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><span style="font-family:Arial,sans-serif;color:#4c4c4c;font-size:9pt;">The reasons for denial haven&#8217;t changed but the standards have. Credit scores must be higher, income more solid.</span></p>
<p><a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=1&amp;id=265851">30% of buyers denied or give up on mortgage</a>.</p>
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		<title>More military can take advantage of HAFA</title>
		<link>http://nickandcindydavis.wordpress.com/2011/10/03/more-military-can-take-advantage-of-hafa/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/10/03/more-military-can-take-advantage-of-hafa/#comments</comments>
		<pubDate>Mon, 03 Oct 2011 19:26:57 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
				<category><![CDATA[Brandon]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Homes for Sale]]></category>
		<category><![CDATA[Land O Lakes]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Nick & Cindy Davis]]></category>
		<category><![CDATA[RE/MAX]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Realtors]]></category>
		<category><![CDATA[Riverview]]></category>
		<category><![CDATA[Short Sales]]></category>
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		<category><![CDATA[Trinity]]></category>
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		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/?p=1306</guid>
		<description><![CDATA[U.S. Treasury says &#8220;permanent change of station&#8221; qualifies as a hardship under its foreclosure alternatives program. More military can take advantage of HAFA.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1306&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><span style="font-family:Arial,sans-serif;color:#4c4c4c;font-size:9pt;">U.S. Treasury says &#8220;permanent change of station&#8221; qualifies as a hardship under its foreclosure alternatives program. </span></p>
<p><a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=2&amp;id=265607">More military can take advantage of HAFA</a>.</p>
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		<title>Orlando Sentinel columnist Beth Kassab: Rentals market back on track</title>
		<link>http://nickandcindydavis.wordpress.com/2011/09/28/orlando-sentinel-columnist-beth-kassab-rentals-market-back-on-track/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/09/28/orlando-sentinel-columnist-beth-kassab-rentals-market-back-on-track/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 18:59:28 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
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		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/?p=1304</guid>
		<description><![CDATA[Recovery reason: Rising rents now cover monthly cost of purchasing, making a landlord-ownership investment profitable. Orlando Sentinel columnist Beth Kassab: Rentals market back on track.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1304&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><span style="font-family:Arial,sans-serif;color:#4c4c4c;font-size:9pt;">Recovery reason: Rising rents now cover monthly cost of purchasing, making a landlord-ownership investment profitable.</span></p>
<p><a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=2&amp;id=265468">Orlando Sentinel columnist Beth Kassab: Rentals market back on track</a>.</p>
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		<title>Home listing prices rising in Florida</title>
		<link>http://nickandcindydavis.wordpress.com/2011/09/26/home-listing-prices-rising-in-florida/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/09/26/home-listing-prices-rising-in-florida/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 20:59:42 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
				<category><![CDATA[Brandon]]></category>
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		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/?p=1302</guid>
		<description><![CDATA[Realtor.com created a list of 15 cities with year-over-year listing price increases &#8211; and 9 of the top 10 are in Florida. Home listing prices rising in Florida.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1302&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Realtor.com created a list of 15 cities with year-over-year listing price increases &#8211; and 9 of the top 10 are in Florida.</p>
<p><a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=1&amp;id=265349">Home listing prices rising in Florida</a>.</p>
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		<title>Rate on 30-year mortgage stays at record 4.09%</title>
		<link>http://nickandcindydavis.wordpress.com/2011/09/23/rate-on-30-year-mortgage-stays-at-record-4-09/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/09/23/rate-on-30-year-mortgage-stays-at-record-4-09/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 18:41:39 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
				<category><![CDATA[Brandon]]></category>
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		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/?p=1300</guid>
		<description><![CDATA[It&#8217;s the third straight week for record lows, and they could go even lower thanks to new Federal Reserve program. Rate on 30-year mortgage stays at record 4.09%.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1300&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s the third straight week for record lows, and they could go even lower thanks to new Federal Reserve program.</p>
<p><a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=2&amp;id=265268">Rate on 30-year mortgage stays at record 4.09%</a>.</p>
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		<title>September Item of Value</title>
		<link>http://nickandcindydavis.wordpress.com/2011/09/21/september-item-of-value-2/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/09/21/september-item-of-value-2/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 14:13:23 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/?p=1297</guid>
		<description><![CDATA[We hope you are well as Summer comes to a close and we look ahead to the cooler days of Autumn.   Statistics show that 42% of Americans list their mortgage as the debt they would most like to eliminate.  In this month’s Item of Value you will find valuable tips on paying off your mortgage faster and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1297&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>We hope you are well as Summer comes to a close and we look ahead to the cooler days of Autumn.   Statistics show that 42% of Americans list their mortgage as the debt they would most like to eliminate.  In this month’s Item of Value you will find valuable tips on paying off your mortgage faster and strategies for reducing your mortgage principal.</p>
<p>As always, if we can be of any assistance please don’t hesitate to contact us.</p>
<p>&nbsp;</p>
<p><a href="http://nickandcindydavis.files.wordpress.com/2011/09/item-of-value.jpg"><img class="alignright size-medium wp-image-1298" title="Item of Value" src="http://nickandcindydavis.files.wordpress.com/2011/09/item-of-value.jpg?w=231&#038;h=300" alt="" width="231" height="300" /></a></p>
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			<media:title type="html">Item of Value</media:title>
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		<title>2011 tax credits available for ‘green’ updates</title>
		<link>http://nickandcindydavis.wordpress.com/2011/09/19/2011-tax-credits-available-for-%e2%80%98green%e2%80%99-updates/</link>
		<comments>http://nickandcindydavis.wordpress.com/2011/09/19/2011-tax-credits-available-for-%e2%80%98green%e2%80%99-updates/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 23:15:37 +0000</pubDate>
		<dc:creator>nickandcindydavis</dc:creator>
				<category><![CDATA[Brandon]]></category>
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		<guid isPermaLink="false">http://nickandcindydavis.wordpress.com/?p=1295</guid>
		<description><![CDATA[30% credit available for owners who start to produce their own power; 10% credit applies to energy efficient purchases. &#160; 2011 tax credits available for ‘green’ updates.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nickandcindydavis.wordpress.com&amp;blog=7447317&amp;post=1295&amp;subd=nickandcindydavis&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><span style="font-family:Arial,sans-serif;color:#4c4c4c;font-size:9pt;">30% credit available for owners who start to produce their own power; 10% credit applies to energy efficient purchases.</span></p>
<p>&nbsp;</p>
<p><a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=5&amp;id=265069">2011 tax credits available for ‘green’ updates</a>.</p>
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