<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>first tuesday journal online &#187; Feature Articles</title>
	<atom:link href="http://firsttuesdayjournal.com/?cat=111&#038;feed=rss2" rel="self" type="application/rss+xml" />
	<link>http://firsttuesdayjournal.com</link>
	<description></description>
	<lastBuildDate>Wed, 08 Feb 2012 20:51:39 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.1</generator>
		<item>
		<title>Lower home price appreciation in socioeconomic enclaves</title>
		<link>http://firsttuesdayjournal.com/lower-home-price-appreciation-in-socioeconomic-enclaves/</link>
		<comments>http://firsttuesdayjournal.com/lower-home-price-appreciation-in-socioeconomic-enclaves/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 23:46:19 +0000</pubDate>
		<dc:creator>Connor P. Wallmark</dc:creator>
				<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[February 2012 Journal]]></category>
		<category><![CDATA[appreciation]]></category>
		<category><![CDATA[block busting]]></category>
		<category><![CDATA[demographics]]></category>
		<category><![CDATA[enclave]]></category>
		<category><![CDATA[first-time homebuyers]]></category>
		<category><![CDATA[immigrant]]></category>
		<category><![CDATA[immigration]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11863</guid>
		<description><![CDATA[This article comments on the perceived negative effect increased immigration density in neighborhoods has on home value growth within enclaves, and discusses the broader positive impact of migration trends on residential rentals and sales as viewed through the lens of socioeconomics.]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/lower-home-price-appreciation-in-socioeconomic-enclaves/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why shouldn’t we hate Wall Street?</title>
		<link>http://firsttuesdayjournal.com/why-shouldnt-we-hate-wall-street/</link>
		<comments>http://firsttuesdayjournal.com/why-shouldnt-we-hate-wall-street/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 20:52:28 +0000</pubDate>
		<dc:creator>Kelli Galippo</dc:creator>
				<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[February 2012 Journal]]></category>
		<category><![CDATA[Journal Articles]]></category>
		<category><![CDATA[20% down payment]]></category>
		<category><![CDATA[adjustable rate mortgage]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Chrysler]]></category>
		<category><![CDATA[Citigroup]]></category>
		<category><![CDATA[community banks]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[Fed]]></category>
		<category><![CDATA[Federal Deposit Insurance Corporation]]></category>
		<category><![CDATA[Federal Housing Administration]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[financial accelerator dynamic]]></category>
		<category><![CDATA[fixed-rate mortgage]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[FRM]]></category>
		<category><![CDATA[General Motors]]></category>
		<category><![CDATA[GFE]]></category>
		<category><![CDATA[Goldman Sachs]]></category>
		<category><![CDATA[good faith estimate]]></category>
		<category><![CDATA[Great Depression]]></category>
		<category><![CDATA[Great Recession]]></category>
		<category><![CDATA[Hawaiian financing]]></category>
		<category><![CDATA[hybrid loan]]></category>
		<category><![CDATA[IMF]]></category>
		<category><![CDATA[International Monetary Fund]]></category>
		<category><![CDATA[JPMorgan Chase]]></category>
		<category><![CDATA[Lesser Depression]]></category>
		<category><![CDATA[MBBs]]></category>
		<category><![CDATA[middle class]]></category>
		<category><![CDATA[Millennium Boom]]></category>
		<category><![CDATA[mortgage-backed bonds]]></category>
		<category><![CDATA[New Deal]]></category>
		<category><![CDATA[personal savings rate]]></category>
		<category><![CDATA[real estate investment trust]]></category>
		<category><![CDATA[REIT]]></category>
		<category><![CDATA[rentiers]]></category>
		<category><![CDATA[S&L]]></category>
		<category><![CDATA[sandwich financing]]></category>
		<category><![CDATA[savings and loan sssociation]]></category>
		<category><![CDATA[SEC]]></category>
		<category><![CDATA[Securities and Exchange Commission]]></category>
		<category><![CDATA[securitization]]></category>
		<category><![CDATA[skin in the game]]></category>
		<category><![CDATA[underwater homeowner]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[World Bank]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11799</guid>
		<description><![CDATA[This article disputes the claim that Wall Street is a vital component of a thriving economy and argues the current mortgage lending environment actually stifles the upward mobility of the middle class.]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/why-shouldnt-we-hate-wall-street/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sticky prices, tricky situation</title>
		<link>http://firsttuesdayjournal.com/sticky-prices-tricky-situation/</link>
		<comments>http://firsttuesdayjournal.com/sticky-prices-tricky-situation/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 20:54:25 +0000</pubDate>
		<dc:creator>Jeffery Marino</dc:creator>
				<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[February 2012 Journal]]></category>
		<category><![CDATA[Journal Articles]]></category>
		<category><![CDATA[buyer's market]]></category>
		<category><![CDATA[consumer confidence]]></category>
		<category><![CDATA[equilibrium trendline]]></category>
		<category><![CDATA[fair market value]]></category>
		<category><![CDATA[FMV]]></category>
		<category><![CDATA[real estate boom]]></category>
		<category><![CDATA[real estate interest rates]]></category>
		<category><![CDATA[real estate prices]]></category>
		<category><![CDATA[real estate recovery]]></category>
		<category><![CDATA[seller’s market]]></category>
		<category><![CDATA[sticky pricing]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11785</guid>
		<description><![CDATA[This article examines the myriad causes and consequences of the current sticky pricing situation in this Lesser Depression.]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/sticky-prices-tricky-situation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Top 30 Brokers in CA by Number Employed: 2011</title>
		<link>http://firsttuesdayjournal.com/the-top-30-brokers-in-ca-by-number-employed-2011/</link>
		<comments>http://firsttuesdayjournal.com/the-top-30-brokers-in-ca-by-number-employed-2011/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 21:59:58 +0000</pubDate>
		<dc:creator>Bradley Markano</dc:creator>
				<category><![CDATA[Charts]]></category>
		<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[January 2012 Journal]]></category>
		<category><![CDATA[Journal Articles]]></category>
		<category><![CDATA[broker]]></category>
		<category><![CDATA[sales agent]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11550</guid>
		<description><![CDATA[This market chart presents 2011's successes in the world of real estate: the thirty brokers who employ the largest number of agents. ]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/the-top-30-brokers-in-ca-by-number-employed-2011/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Migratory lockdown: underwater homeowners confined</title>
		<link>http://firsttuesdayjournal.com/migratory-lockdown-underwater-homeowners-confined/</link>
		<comments>http://firsttuesdayjournal.com/migratory-lockdown-underwater-homeowners-confined/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 21:42:22 +0000</pubDate>
		<dc:creator>Tara Tran</dc:creator>
				<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[January 2012 Journal]]></category>
		<category><![CDATA[Journal Articles]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11466</guid>
		<description><![CDATA[This article explains the effect of negative equity on homeowner mobility, identifies the factor which influence migration and advises how brokers and agents can counsel homeowners considering relocating under the conditions of this Lesser Depression.]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/migratory-lockdown-underwater-homeowners-confined/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Why real estate won’t save us this time</title>
		<link>http://firsttuesdayjournal.com/why-real-estate-won%e2%80%99t-save-us-this-time/</link>
		<comments>http://firsttuesdayjournal.com/why-real-estate-won%e2%80%99t-save-us-this-time/#comments</comments>
		<pubDate>Sat, 07 Jan 2012 00:45:51 +0000</pubDate>
		<dc:creator>Jeffery Marino</dc:creator>
				<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[January 2012 Journal]]></category>
		<category><![CDATA[Journal Articles]]></category>
		<category><![CDATA[Creditworthiness]]></category>
		<category><![CDATA[economic driver]]></category>
		<category><![CDATA[economic indicator]]></category>
		<category><![CDATA[Economic recovery]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[Home prices]]></category>
		<category><![CDATA[home sales volume]]></category>
		<category><![CDATA[housing recovery]]></category>
		<category><![CDATA[Jobs]]></category>
		<category><![CDATA[MID]]></category>
		<category><![CDATA[Mortgage interest tax deduction]]></category>
		<category><![CDATA[NAR]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[subprime mortgage crisis]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11456</guid>
		<description><![CDATA[This article lists the top nine reasons why housing will not lead the U.S. economy into recovery and critiques the misconception that housing is an economic driver capable of rescuing a failing economy.  ]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/why-real-estate-won%e2%80%99t-save-us-this-time/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The due-on time bomb</title>
		<link>http://firsttuesdayjournal.com/the-due-on-time-bomb/</link>
		<comments>http://firsttuesdayjournal.com/the-due-on-time-bomb/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 21:32:43 +0000</pubDate>
		<dc:creator>Jeffery Marino</dc:creator>
				<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[January 2012 Journal]]></category>
		<category><![CDATA[Journal Articles]]></category>
		<category><![CDATA[30-year fixed rate mortgage]]></category>
		<category><![CDATA[deregulation]]></category>
		<category><![CDATA[due-on enforcement]]></category>
		<category><![CDATA[due-on-sale clause]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[FRM]]></category>
		<category><![CDATA[Garn-St. Germain Federal Depository Act]]></category>
		<category><![CDATA[Home prices]]></category>
		<category><![CDATA[home sales volume]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[loan assumptions]]></category>
		<category><![CDATA[nominal interest rate]]></category>
		<category><![CDATA[Occupy Wall Street]]></category>
		<category><![CDATA[OWS]]></category>
		<category><![CDATA[real estate finance history]]></category>
		<category><![CDATA[real interest rate]]></category>
		<category><![CDATA[Reganomics]]></category>
		<category><![CDATA[rising interest rates]]></category>
		<category><![CDATA[S&L crisis]]></category>
		<category><![CDATA[Savings and Loan Crisis]]></category>
		<category><![CDATA[the Fed]]></category>
		<category><![CDATA[The Great Depression]]></category>
		<category><![CDATA[Wellenkamp v. Bank of America (BofA)]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11452</guid>
		<description><![CDATA[This article warns of the impending era of due-on-sale enforcement that will befall the real estate market in the approaching age of rising interest rates.
]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/the-due-on-time-bomb/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Inking the handshake: the significance of a written employment agreement</title>
		<link>http://firsttuesdayjournal.com/inking-the-handshake-the-significance-of-a-written-employment-agreement/</link>
		<comments>http://firsttuesdayjournal.com/inking-the-handshake-the-significance-of-a-written-employment-agreement/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 18:12:19 +0000</pubDate>
		<dc:creator>Kelli Galippo</dc:creator>
				<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[January 2012 Journal]]></category>
		<category><![CDATA[Journal Articles]]></category>
		<category><![CDATA[agency law]]></category>
		<category><![CDATA[agency relationship]]></category>
		<category><![CDATA[best-effort obligation]]></category>
		<category><![CDATA[due diligence]]></category>
		<category><![CDATA[employment agreement]]></category>
		<category><![CDATA[employment relationship]]></category>
		<category><![CDATA[exclusive listing]]></category>
		<category><![CDATA[exclusive listing agreement]]></category>
		<category><![CDATA[exclusive right-to-buy listing]]></category>
		<category><![CDATA[exclusive right-to-sell listing]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[fee agreement]]></category>
		<category><![CDATA[fee protection]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[full disclosure]]></category>
		<category><![CDATA[legally binding document]]></category>
		<category><![CDATA[litigation]]></category>
		<category><![CDATA[nonexclusive listing]]></category>
		<category><![CDATA[open listing]]></category>
		<category><![CDATA[oral agreement]]></category>
		<category><![CDATA[principal]]></category>
		<category><![CDATA[prospective economic advantage]]></category>
		<category><![CDATA[Statute of Frauds]]></category>
		<category><![CDATA[written contract]]></category>
		<category><![CDATA[written listing]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11445</guid>
		<description><![CDATA[This article discusses the need for a written employment agreement to assure payment of any fee anticipated for finding a match and negotiating a real estate related transaction, and reviews the fee assurance offered by provisions in various types of listing and purchase agreements.]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/inking-the-handshake-the-significance-of-a-written-employment-agreement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Taming animal spirits in client buy-sell behavior</title>
		<link>http://firsttuesdayjournal.com/taming-animal-spirits-in-client-buy-sell-behavior/</link>
		<comments>http://firsttuesdayjournal.com/taming-animal-spirits-in-client-buy-sell-behavior/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 20:21:11 +0000</pubDate>
		<dc:creator>Bradley Markano</dc:creator>
				<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[January 2012 Journal]]></category>
		<category><![CDATA[Journal Articles]]></category>
		<category><![CDATA[animal spirits]]></category>
		<category><![CDATA[bubble economics]]></category>
		<category><![CDATA[Buy-Sell Behavior]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[Efficient Markets Theory]]></category>
		<category><![CDATA[homebuyer confidence]]></category>
		<category><![CDATA[homeowner wealth]]></category>
		<category><![CDATA[irrational exuberance]]></category>
		<category><![CDATA[Lesser Depression]]></category>
		<category><![CDATA[mean price]]></category>
		<category><![CDATA[money illusion]]></category>
		<category><![CDATA[purchasing power]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11398</guid>
		<description><![CDATA[This article discusses popular misconceptions about the causes of the 2008 economic crisis, and how ungrounded efficiency-theory economists and very senior policy makers failed to recognize the clear warning signs emanating from Wall Street’s mortgage banking industry.]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/taming-animal-spirits-in-client-buy-sell-behavior/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Inheriting debt: taking title subject to a mortgage</title>
		<link>http://firsttuesdayjournal.com/inheriting-debt-taking-title-subject-to-a-mortgage/</link>
		<comments>http://firsttuesdayjournal.com/inheriting-debt-taking-title-subject-to-a-mortgage/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 23:38:58 +0000</pubDate>
		<dc:creator>Kelli Galippo</dc:creator>
				<category><![CDATA[December 2011 Journal]]></category>
		<category><![CDATA[Feature Articles]]></category>
		<category><![CDATA[Journal Articles]]></category>
		<category><![CDATA[asset preservation vesting]]></category>
		<category><![CDATA[bankruptcy protection]]></category>
		<category><![CDATA[beneficiary]]></category>
		<category><![CDATA[due-on provision]]></category>
		<category><![CDATA[inter vivos trust]]></category>
		<category><![CDATA[legal advice]]></category>
		<category><![CDATA[living trust]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[notice of default]]></category>
		<category><![CDATA[principal residence]]></category>
		<category><![CDATA[probate]]></category>
		<category><![CDATA[property law]]></category>
		<category><![CDATA[revocable living trust]]></category>
		<category><![CDATA[tax advice]]></category>
		<category><![CDATA[trustee]]></category>

		<guid isPermaLink="false">http://firsttuesdayjournal.com/?p=11126</guid>
		<description><![CDATA[This article discusses the complicated process of taking title to a home with a mortgage, and suggests homeowners create a revocable living trust to ensure the beneficiary of their estate is not subject to a mortgage’s due-on clause.]]></description>
		<wfw:commentRss>http://firsttuesdayjournal.com/inheriting-debt-taking-title-subject-to-a-mortgage/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
	</channel>
</rss>

