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<title>ChoiceOfHomes.com - Real Estate Information</title>
<description>Information and How to Articles on Home Buying, Selling, Renting, Mortgages / Home Financing, Real Estate Agents and Feng Shui / Vaastu.</description>
<link>http://www.choiceofhomes.com</link>
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		<title>Pricing your Property to Sell</title>
		<description><![CDATA[Homeowners are often faced with a dilemma of setting a price for their property when selling their home.The most important part of selling your home is setting the correct price.Sometimes sellers overprice the home and lower the price of it later just to test the market.Location is another important factor to be considered, which affects the price of your property.To determine the price of your property it is necessary to be aware of the estimated price of similar properties in the neighborhood.         ]]></description>
		<link>http://www.choiceofhomes.com/articles/pricing-property-sell.htm</link>
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		<title>The what, when and how of lease agreements</title>
		<description><![CDATA[         Both the landlord and the tenant need to know what they’re getting themselves into. Before drafting a lease or signing one, find out all you can about lease agreements/forms.]]></description>
		<link>http://www.choiceofhomes.com/articles/renting-lease-agreement.htm</link>
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		<title>Landlord’s guide to solving disputes with tenants</title>
		<description><![CDATA[         Problems are inevitable no matter how clearly you chalk out legal contracts even in a landlord-tenant relationship. Here’s how you can solve your disputes in a simple and peaceful manner.]]></description>
		<link>http://www.choiceofhomes.com/articles/landlord-tenant-disputes.htm</link>
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		<title>Finding the perfect neighborhood for your perfect home</title>
		<description><![CDATA[   When buying a house, watch out for a neighborhood that suits your personality and meets your requirements. A few tips to get you started in the right direction of choosing a good locality for your home.      ]]></description>
		<link>http://www.choiceofhomes.com/articles/buying-homes-neighborhood.htm</link>
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		<title>When selling your house tempt buyers with your kitchen</title>
		<description><![CDATA[         Polls claim that the kitchen is a major deciding factor when purchasing a home. So here’s what you can do to tempt the buyers with a dream kitchen.]]></description>
		<link>http://www.choiceofhomes.com/articles/house-selling-kitchen.htm</link>
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		<title>Utilize the A-B-Cs of Feng Shui while selling your home</title>
		<description><![CDATA[Feng Shui is a science that is employed by many in the world of architecture and interior decoration. You don’t have to be an expert or a devotee of this science to bring in some positive energy to your house.            ]]></description>
		<link>http://www.choiceofhomes.com/articles/home-selling-feng-shui.htm</link>
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		<title>Securing the Best Selling Price for your Home by not spending a Fortune</title>
		<description><![CDATA[Buying a home can be a challenging process. However, selling a home also involves a whole set of challenges.Curb appeal is very important in preparing a home for sale.Maintenance is also important, and should not pose as an issue later. Proper preparation of your home is important and should not be left until the day you are showing your home!]]></description>
		<link>http://www.choiceofhomes.com/articles/Best-Home-Selling-Price.htm</link>
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		<title>Mistakes Sellers Make When Listing Homes</title>
		<description><![CDATA[Overpricing a home is the most common mistake sellers have made when listing their homes.The sellers must understand the market.This helps in making the sale easier.It is always better to deal with an agent different from the one representing the buyer.Sellers can plan their advertising budget and should choose appropriate mediums for advertising their home.Selling a home is not an easy task. Several aspects have to be considered and re-considered.     ]]></description>
		<link>http://www.choiceofhomes.com/articles/Sellers-Mistakes-Listing-Homes.htm</link>
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		<title>Tips on Vaastu to enrich your house for a better and quicker sale</title>
		<description><![CDATA[         	
Its not about being fashionable when you employ the rules of vaastu in your house. Learn the simple steps you can take to create positive vibes while selling your house.
]]></description>
		<link>http://www.choiceofhomes.com/articles/home-selling-vaastu.htm</link>
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		<title>The magic of chi in your home office</title>
		<description><![CDATA[                  Feng Shui brings you the recipe for success in your home office. Follow the simple guidelines to enjoy your personal workspace and gain prosperity.                  ]]></description>
		<link>http://www.choiceofhomes.com/articles/feng-shui-home-office.htm</link>
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		<title>House Shopping and Vaastu</title>
		<description><![CDATA[               When buying a house check for basic features that are compatible with the guidelines of Vaastu, so you can make a  new start in a healthy and positive atmosphere.            ]]></description>
		<link>http://www.choiceofhomes.com/articles/house-buying-vaastu.htm</link>
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		<title>Several Money Saving Tips For Selling Your Home.</title>
		<description><![CDATA[         Fees differ with various estate agencies. Therefore, bargaining with them may help. You should never tell an estate agent what other agencies have valued your home to be. Selling your home privately can save you a lot of money.Advertising could be done through newspapers, flyers and pamphlets.The easiest way to sell your home would be by using one of the numerous online house selling services. It saves a lot of time. For example, www.choiceofhomes.com, lists details of properties for sale on its website.]]></description>
		<link>http://www.choiceofhomes.com/articles/Money-Saving-Tips-Selling-Home.htm</link>
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		<title>Always negotiate when you sell a house by owner</title>
		<description><![CDATA[         Selling your home is not an easy process. Arriving at the decision to sell your home is the easiest part.It is always advisable to get the assistance of a professional who is experienced and trained in this field. If you decide to sell your home for sale by owner, you have to know what to do when you're involved in a Purchase and Sales Contract.On reaching the contract stage, you must be aware of any contingency the buyer has added to their offer.Many number of home sale deals do not get finalized due to the buyer’s incapability of financing.]]></description>
		<link>http://www.choiceofhomes.com/articles/Negotiate-Sell-Home-Owner.htm</link>
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		<title>How do you qualify for a Mortgage?</title>
		<description><![CDATA[   Mortgage acts as a tool that pledges a real estate property as repayment in order to get a loan. You must be financially stable in order to get a good mortgage rate.             ]]></description>
		<link>http://www.choiceofhomes.com/articles/Qualify-Mortgage.htm</link>
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		<title>Tips for Renting a Home</title>
		<description><![CDATA[            Living in a rented home has many benefits. One of the main benefits is not being compelled to continue staying in the same home or same location.      ]]></description>
		<link>http://www.choiceofhomes.com/articles/Tips-Renting-Home.htm</link>
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		<title>The five pillars of Feng Shui to achieve gigantic success like Pepsi and Sony</title>
		<description><![CDATA[            From Oprah, Donald Trump to biggies like Pepsi and Sony have all accepted feng shui to bring prosperity to their work and maximize their sales and profits. Find out about the five basic principles of feng shui that stand behind their success.      ]]></description>
		<link>http://www.choiceofhomes.com/articles/feng-shui-work-success.htm</link>
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		<title>Buy a house that is Feng Shui compatible for a peaceful and joyous life</title>
		<description><![CDATA[         Buying a house is a BIG decision. Find a house that not only fulfills your basic requirements but is compatible with the principles of feng shui to bring in some peace and happiness in your life. ]]></description>
		<link>http://www.choiceofhomes.com/articles/feng-shui-buying-house.htm</link>
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		<title>Screen prospective tenants thoroughly to find the right tenant</title>
		<description><![CDATA[        Most landlord troubles can be avoided by just finding the right tenants in the first place. Here are four simple steps you can follow to find the right tenant for your rental. ]]></description>
		<link>http://www.choiceofhomes.com/articles/landlord-screen-tenants.htm</link>
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		<title>Checklist for your property before new tenants move in</title>
		<description><![CDATA[            Before you rent out a property, take a walk through it and take care of what needs to be mended. Here’s a checklist of important things you need to pay attention to.      ]]></description>
		<link>http://www.choiceofhomes.com/articles/repair-before-tenancy.htm</link>
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		<title>Guidelines for landlords – Managing your rental business</title>
		<description><![CDATA[            Being a landlord may turn into a headache if you don’t know how to handle the various aspects involved in a rental business. Understand the aspects of a good management system to handle your property and tenants effectively.       ]]></description>
		<link>http://www.choiceofhomes.com/articles/landlord-manage-property.htm</link>
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		<title>Don’t sell your rental property just yet – save your investment</title>
		<description><![CDATA[         Thinking of selling your rental property? Don’t hurry it up because you just may be doing it for the wrong reason. Keep your investment intact and find ways to solve your issues with the property. ]]></description>
		<link>http://www.choiceofhomes.com/articles/dont-sell-property.htm</link>
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		<title>Buying Vs. Renting a House</title>
		<description><![CDATA[The choice between buying a house and renting one depends on what you actually want and need. But here are some realities you should consider before taking a decision.          ]]></description>
		<link>http://www.choiceofhomes.com/articles/buying-renting-house.htm</link>
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		<title>What every renter should know and do for a stress-free tenancy</title>
		<description><![CDATA[         From the renting to the moving out, all tenants should keep in mind some guidelines to protect their rights. Follow these diligently and you will have a stress-free tenancy. ]]></description>
		<link>http://www.choiceofhomes.com/articles/tenant-advice-guidelines.htm</link>
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		<title>Better safe than sorry – get renter’s insurance right away</title>
		<description><![CDATA[         In case of a theft or fire in your house, your landlord’s insurance on the house isn’t going to cover the costs for your personal belongings. Get renter’s insurance to safeguard yourself and your assets.]]></description>
		<link>http://www.choiceofhomes.com/articles/renters-insurance-protection.htm</link>
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		<title>Clueless about decorating your rented house/apartment?</title>
		<description><![CDATA[            Just because you have a rented house/apartment, it does not mean you can’t decorate without annoying the landlord. Simple changes and additions can make your home beautiful.      ]]></description>
		<link>http://www.choiceofhomes.com/articles/decorating-rented-houses.htm</link>
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		<title>What You Need To Know Before Applying For A Mortgage</title>
		<description><![CDATA[You should be familiar with a number of terms and conditions when you are applying for a mortgage for the first time. It helps you to make the right choice when you are buying a home.]]></description>
		<link>http://www.choiceofhomes.com/articles/information-applying-mortgage.htm</link>
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		<title>The Types of Mortgages available</title>
		<description><![CDATA[There are various types of mortgages offered in the market today. Careful planning should be done in order to make the right decision. The type of mortgage you choose should suit your financial budget.         ]]></description>
		<link>http://www.choiceofhomes.com/articles/mortgage-types.htm</link>
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		<title>Hire an expert to manage your property</title>
		<description><![CDATA[               To juggle all the aspects of managing your property requires time, effort, money and some skill. Hiring a property manager will ease your responsibilities while maximizing your profits.            ]]></description>
		<link>http://www.choiceofhomes.com/articles/hire-property-manager.htm</link>
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		<title>What you need to ask a property manager/ management firm before hiring</title>
		<description><![CDATA[            Deciding on hiring a property manager is a good decision but what all should you know about them and their services? Here is a list of basic information you should obtain before hiring a property manager/management firm.       ]]></description>
		<link>http://www.choiceofhomes.com/articles/question-potential-property-managers.htm</link>
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		<title>Landlords! Look out for the property management agreement</title>
		<description><![CDATA[         Some property management firms do not take care of evictions or hire bad contractors for jobs on your property. Protect yourself from this nuisance by reading your property management agreement carefully.]]></description>
		<link>http://www.choiceofhomes.com/articles/property-management-agreement.htm</link>
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		<title>Tips for tenants: Negotiating the lease agreement</title>
		<description><![CDATA[         Before you sign your lease agreement, make sure it is fair and you are not getting a raw deal. Negotiate your lease agreement if you are not fully satisfied. ]]></description>
		<link>http://www.choiceofhomes.com/articles/tenants-negotiate-lease.htm</link>
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		<title>Eradicate the mold before renting out your property</title>
		<description><![CDATA[            Mold can create serious health problems and landlords may be held liable if tenants are taken ill. Before renting out a property, proper measures should be taken to rid the place of mold infestation.       ]]></description>
		<link>http://www.choiceofhomes.com/articles/clear-mold-before-renting.htm</link>
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		<title>“Broom clean” at the end of a tenancy: what landlords should watch out for</title>
		<description><![CDATA[         When a tenant is moving out, how clean should he leave it? Broom clean they say. But apart from the dust, the landlords need to closely examine the space for holes in the walls or broken toilet covers.]]></description>
		<link>http://www.choiceofhomes.com/articles/landlord-property-check-end-tenancy.htm</link>
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		<title>Plants in your home for a feng shui friendly environment</title>
		<description><![CDATA[         Wood is an element of feng shui that needs to be used judiciously and generously to bring harmony to your living space. Instead of furniture made of wood, choose the right kind of plants and trees for a healthier and happier home. ]]></description>
		<link>http://www.choiceofhomes.com/articles/feng-shui-interior-plants.htm</link>
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		<title>Achieving success as a landlord: basic steps you must follow</title>
		<description><![CDATA[         To be a successful landlord, you need to juggle all the aspects related to rental property management. But a few basic tips if followed can guarantee a thriving business which can be extremely satisfying. ]]></description>
		<link>http://www.choiceofhomes.com/articles/being-successful-landlord.htm</link>
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		<title>Types of Eviction</title>
		<description><![CDATA[         Eviction is a long legal procedure which may end up leaving you with a bitter taste in your mouth. But knowing the bitter truths is essential – here are the different types of eviction.]]></description>
		<link>http://www.choiceofhomes.com/articles/different-types-eviction.htm</link>
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		<title>Problem tenants: avoiding them and dealing with the ones you already have</title>
		<description><![CDATA[         Problem tenants somehow creep into almost every landlord’s life. The trick is to know how to spot one at the start and avoid him, or know exactly how to deal with the one who is already living in your property. ]]></description>
		<link>http://www.choiceofhomes.com/articles/deal-problem-tenant.htm</link>
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		<title>Vacant house disasters: problem checklist with how to solve them</title>
		<description><![CDATA[Vacant houses especially the ones put up for sale or rent need to be taken care of, more so when the owner is thousands of miles away. The most common problems of vacant houses can be remedied with a bit of supervision from an agent or property manager you hire.          ]]></description>
		<link>http://www.choiceofhomes.com/articles/leaving-houses-vacant.htm</link>
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		<title>The Fundamentals of Renting out a Room</title>
		<description><![CDATA[         Renting out that extra room in your house/apartment is not such a bad idea. But you need to plan the details carefully before you let someone share your personal space.]]></description>
		<link>http://www.choiceofhomes.com/articles/renting-out-extra-room.htm</link>
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		<title>Decorating kids’ rooms the easy way!</title>
		<description><![CDATA[         It is always difficult to determine when and how to decorate kids’ rooms. The time is now and here’s how you should go about decorating the room in a manner that redecorating later will not be an expensive affair.  ]]></description>
		<link>http://www.choiceofhomes.com/articles/decorating-kids-rooms.htm</link>
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		<title>Glossary for Mortgages</title>
		<description><![CDATA[         When applying for a mortgage the first time, it’s smart to know as much as you can about it. Some of the basic terms that are used in relation to mortgages are explained. ]]></description>
		<link>http://www.choiceofhomes.com/articles/mortgages-glossary.htm</link>
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		<title>Firing your Real Estate Agent?</title>
		<description><![CDATA[         It happens. Sometimes things just do not work out with your real estate agent. If you have valid reasons then there are ways in which you can “let him go” in a decent and acceptable manner. ]]></description>
		<link>http://www.choiceofhomes.com/articles/fire-real-estate-agent.htm</link>
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		<title>Simple Realities about Bad Credit Mortgages</title>
		<description><![CDATA[  Bad credit mortgages are easy to obtain these days but one needs to be careful about the finer details. Knowing all you can about bad credit mortgages and shopping around for the right lender will put on you on the right track.             ]]></description>
		<link>http://www.choiceofhomes.com/articles/bad-credit-mortgage.htm</link>
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		<title>Terrible Mortgage Mistakes that Cost You an Arm and a Leg</title>
		<description><![CDATA[         When applying for a mortgage, most people tend to overlook many factors and find themselves in a tight situation. You need to watch out for yourself and avoid making these mistakes.]]></description>
		<link>http://www.choiceofhomes.com/articles/disastrous-mortgage-mistakes.htm</link>
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		<title>Should you get Mortgage Life Insurance?</title>
		<description><![CDATA[         Mortgage life insurance policy ensures that in case of your death or the diagnosis of a fatal illness, your outstanding mortgage will be cleared. But first find out if you really do need this insurance policy. ]]></description>
		<link>http://www.choiceofhomes.com/articles/mortgage-life-insurance.htm</link>
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		<title>Are you a Victim of Predatory Lending Practices?</title>
		<description><![CDATA[         Predatory lending practices can hurt your self respect, put a dent in your pocket or leave you homeless. To prevent yourself from getting victimized, educate yourself about these unfair practices.]]></description>
		<link>http://www.choiceofhomes.com/articles/predatory-lending-practices.htm</link>
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		<title>Spot the Predatory Lender before He Traps You!</title>
		<description><![CDATA[         Predators in the finance world could drain your money even before you realize it. Learn how to spot a predatory lender or broker before you get caught in a sticky complicated web of deception. ]]></description>
		<link>http://www.choiceofhomes.com/articles/spot-predatory-lender.htm</link>
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		<title>The Basics of Private Mortgage Insurance</title>
		<description><![CDATA[   Private Mortgage Insurance pays the outstanding loan to the lender in case the borrower defaults. This insurance has helped many people buy homes without worrying about the down payment.            ]]></description>
		<link>http://www.choiceofhomes.com/articles/basics-private-mortgage-insurance.htm</link>
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		<title>Learn how to avoid the clutches of Private Mortgage Insurance (PMI)</title>
		<description><![CDATA[Most homeowners think that little down payment means they have to pay for Private Mortgage Insurance (PMI). Explore other options available before you trap yourself into a no-gain deal.       ]]></description>
		<link>http://www.choiceofhomes.com/articles/avoid-private-mortgage-insurance.htm</link>
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		<title>Home Equity Line Of Credit – a cross between a loan and a credit card!</title>
		<description><![CDATA[Home Equity Line Of Credit (HELOC) has always been in demand. Understand the basics before you head out to the lender.      ]]></description>
		<link>http://www.choiceofhomes.com/articles/understand-basics-HELOC.htm</link>
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		<title>Interest-only loan: Is it the Right Loan for You?</title>
		<description><![CDATA[         Interest only loans can ease your monthly payments initially or fund you temporarily. It is not advisable for a long term plan no matter how easy it may seem now. ]]></description>
		<link>http://www.choiceofhomes.com/articles/interest-only-loan.htm</link>
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		<title>Avoiding Identity Theft in Real Estate Transactions</title>
		<description><![CDATA[         Identity theft is continuously on the rise and can cause a whole load of unnecessary trouble. Learn how to avoid having your identity stolen in real estate transactions. ]]></description>
		<link>http://www.choiceofhomes.com/articles/avoid-identity-theft.htm</link>
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		<title>Title Insurance for Peace of Mind</title>
		<description><![CDATA[         Title Insurance protects you/ lender from any financial losses arising from dispute over the title of the property. It is a small price to pay if you can prevent others from claiming your property. ]]></description>
		<link>http://www.choiceofhomes.com/articles/title-insurance-protection.htm</link>
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		<title>Shrink your Mortgage Costs and Monthly Payments</title>
		<description><![CDATA[         Picking the right kind of mortgage itself could save you a lot of money. Besides this you can take simple steps to reduce your monthly mortgage payments.]]></description>
		<link>http://www.choiceofhomes.com/articles/reduce-mortgage-payments.htm</link>
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		<title>Bi-weekly Mortgage Payment Plan: should you or should you not opt for it?</title>
		<description><![CDATA[         A Bi-weekly mortgage payment plan can do wonders to reduce the life of your mortgage as well as save you thousands of dollars which would have otherwise been paid as interest. But is it really necessary to pay for this plan when you can do it yourself? ]]></description>
		<link>http://www.choiceofhomes.com/articles/biweekly-mortgage-payments.htm</link>
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		<title>Mortgage Calculator: Making your Homework Easy!</title>
		<description><![CDATA[         A mortgage calculator is a multi-functional tool which can help you do your homework easily when shopping for a loan, refinancing, determining monthly payments etc. Be smart when you use it to obtain accurate and effective results.]]></description>
		<link>http://www.choiceofhomes.com/articles/online-mortgage-calculator.htm</link>
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		<title>All you need to know about an Open House</title>
		<description><![CDATA[         Holding an open house has become rare these days but it is not extinct yet. If you choose to have an open house, then tidy up and bring in the right kind of audience.  ]]></description>
		<link>http://www.choiceofhomes.com/articles/open-house-sale-strategy.htm</link>
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		<title>Understanding Negative Amortization Mortgages</title>
		<description><![CDATA[         A Negative Amortization Mortgage makes it easy to own a home with its minimum monthly payments that fit anyone’s budget. But how feasible can a loan be when despite your monthly payments your loan amount keeps increasing?]]></description>
		<link>http://www.choiceofhomes.com/articles/negative-amortization-mortgage.htm</link>
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		<title>Making the Best of Open Houses</title>
		<description><![CDATA[            When attending an open house you need to stay focused. You can gain much from this experience if you stay sharp and gather as much information as you can.       ]]></description>
		<link>http://www.choiceofhomes.com/articles/open-house-visiting.htm</link>
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		<title>A Home Inspection Before Buying a Home can Ease your Troubles</title>
		<description><![CDATA[            A Home Inspection can save you a lot of trouble and money later. Spend some money to get your home checked for flaws that you cannot easily detect even with a microscope. 

      ]]></description>
		<link>http://www.choiceofhomes.com/articles/home-inspection-before-buying.htm</link>
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		<title>Hire the Best Home Inspector Available</title>
		<description><![CDATA[            A decision to get a Home Inspection done is a smart one but hiring the right person to do it is where the real onus lies. So check out credentials, ask the right questions and hire the best man for the job.       ]]></description>
		<link>http://www.choiceofhomes.com/articles/hiring-home-inspector.htm</link>
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		<title>Secured Loans: Solution to your Problems</title>
		<description><![CDATA[         Secured loans can make your life easier and sometimes happier depending on how you choose to spend your funds. But if you fail to repay the full amount in the end you run the risk of losing your home. ]]></description>
		<link>http://www.choiceofhomes.com/articles/obtaining-secured-loans.htm</link>
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		<title>Vital Safety Tips for Home Improvement Projects</title>
		<description><![CDATA[         Working on home improvement projects by your self is a smart way to save money. But neglecting basic safety guidelines while working can prove to be catastrophic and lead to unnecessary medical expenses. ]]></description>
		<link>http://www.choiceofhomes.com/articles/safety-tips-home-improvement.htm</link>
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		<title>Gardening in Small Spaces</title>
		<description><![CDATA[         A small space should not deter you from having a garden of your own. With unlimited options, a little imagination and patience can transform any space into a haven of greenery.]]></description>
		<link>http://www.choiceofhomes.com/articles/small-spaces-gardening.htm</link>
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		<title>No Property to provide as Collateral? Unsecured Loans to the Rescue!</title>
		<description><![CDATA[         Unsecured Loans require no collateral and therefore just about anyone can qualify for these loans. But it is not easy to obtain an unsecured loan and the conditions of the loan are not always the best. ]]></description>
		<link>http://www.choiceofhomes.com/articles/obtaining-unsecured-loans.htm</link>
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		<title>All that You can Do with a Patio!</title>
		<description><![CDATA[         A patio can be a space to lounge/ entertain or transformed into a personal gym. All its takes is some imagination to create a space that you can enjoy. ]]></description>
		<link>http://www.choiceofhomes.com/articles/creative-patio-decorating.htm</link>
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		<title>Maintaining Carpets: Cleaning, Vanishing Spills and Preventing Wear and Tear!</title>
		<description><![CDATA[         Maintaining carpets properly will keep them looking good and not serve as breeding ground for germs. Learn simple ways to maintain carpets, vanish spills and prevent too much wear and tear. ]]></description>
		<link>http://www.choiceofhomes.com/articles/complete-carpet-maintenance.htm</link>
	</item><item>
		<title>Room Dividers: Much More than Partitions</title>
		<description><![CDATA[         Room Dividers unlike before are not just used to partition. Their functions today are varied and their designs and styles even more so. ]]></description>
		<link>http://www.choiceofhomes.com/articles/functions-designs-room-dividers.htm</link>
	</item><item>
		<title>Great Tips for Decorating Teen Bedrooms</title>
		<description><![CDATA[         Decorating teenagers’ rooms can be an absolute enjoyable experience. You just need some great ideas and enthusiasm to decorate a room that they will fall in love with. ]]></description>
		<link>http://www.choiceofhomes.com/articles/decorating-teen-bedrooms.htm</link>
	</item><item>
		<title>Is Mortgage Cycling the Best Way to Repay your Loan?</title>
		<description><![CDATA[         Mortgage Cycling can save you thousands of dollars otherwise paid as interest and can also help you pay your loan extremely fast. But you need to first understand how it works and what the consequences may be if you fail in the process. ]]></description>
		<link>http://www.choiceofhomes.com/articles/mortgage-cycling-repay-loan.htm</link>
	</item><item>
		<title>Using Wall Art to Decorate Bare Walls</title>
		<description><![CDATA[         They say a picture can speak a thousand words. Using pictures to decorate your wall can add life to the d&eacute;cor and reflect the personalities of those who live in the home. ]]></description>
		<link>http://www.choiceofhomes.com/articles/decorate-wall-art.htm</link>
	</item><item>
		<title>Secure your Home from Intruders</title>
		<description><![CDATA[         Being heedless or being paranoid about your home’s security is not the way to go. Just protect your home with some basic steps and you will be able to sleep peacefully every night. ]]></description>
		<link>http://www.choiceofhomes.com/articles/installing-home-security.htm</link>
	</item><item>
		<title>Coffee Tables are for All Homes</title>
		<description><![CDATA[         A Coffee table is an essential piece of any furniture in any home. With numerous kinds available, it takes some knowledge to pick the right one for your home.]]></description>
		<link>http://www.choiceofhomes.com/articles/buy-coffee-table.htm</link>
	</item><item>
		<title>How to Pick out a Beautiful Rug for your Home</title>
		<description><![CDATA[            To add refined touches to your interiors, use quality rugs which come in so many different patterns, designs, styles and colors. Pick out a rug which is best suited for you and your home.      ]]></description>
		<link>http://www.choiceofhomes.com/articles/decorate-beautiful-rugs.htm</link>
	</item><item>
		<title>Less Storage Space? Try these Simple Ideas</title>
		<description><![CDATA[         So many items and such less storage space. This can easily be remedied with some simple yet clever ideas which will maximize your space.]]></description>
		<link>http://www.choiceofhomes.com/articles/increasing-storage-space.htm</link>
	</item><item>
		<title>Option Mortgage: What, How and Is it for You?</title>
		<description><![CDATA[         A payment option mortgage gives the borrower the freedom to pick any of the choices available while making monthly payments. If this mortgage is not handled responsibly, the borrower may as well prepare himself for foreclosure or bankruptcy. ]]></description>
		<link>http://www.choiceofhomes.com/articles/payment-option-mortgage.htm</link>
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		<title>Renovate Boring Floors with Area Rugs</title>
		<description><![CDATA[         Area rugs can be placed anywhere and they will serve a purpose specific to that space. To enhance the d&eacute;cor of your home you can pick from the limitless choices available. ]]></description>
		<link>http://www.choiceofhomes.com/articles/multipurpose-area-rugs.htm</link>
	</item><item>
		<title>Houseplants: The Lungs of Your Home</title>
		<description><![CDATA[         Our homes are not as healthy as we think because of the unclean air we breathe everyday. Adding houseplants will cleanse your air, keep you healthy and enhance the d&eacute;cor of your home. ]]></description>
		<link>http://www.choiceofhomes.com/articles/home-lungs-houseplants.htm</link>
	</item><item>
		<title>Endless Hours of Leisure with a Patio Awning</title>
		<description><![CDATA[         Some times the weather just makes it impossible for us to enjoy our own private outdoor space – the patio. Get a patio awning to enjoy your space well and to complete the look of your patio. ]]></description>
		<link>http://www.choiceofhomes.com/articles/patio-awning-leisure.htm</link>
	</item><item>
		<title>The Weed Battle on Your Lawn: How to Prevent and Destroy them</title>
		<description><![CDATA[         Weeds have the potential to really upset you especially when they creep up on your beautiful lawn. Learn how to prevent as well as tackle weeds to keep your lawn healthy and thriving. ]]></description>
		<link>http://www.choiceofhomes.com/articles/weed-prevention-destruction.htm</link>
	</item><item>
		<title>Furnishing Our Homes Like Magazine Pictures</title>
		<description><![CDATA[         Magazines on Interior Decoration can get most of us drooling and wishing we lived in spaces like that. But our wishes can come true if we know how to look at these magazines properly and then incorporating the best into our homes.]]></description>
		<link>http://www.choiceofhomes.com/articles/magazine-pictures-decorate.htm</link>
	</item><item>
		<title>Criteria for Buying Rental Properties</title>
		<description><![CDATA[         Buying a rental property is a solid investment but if you pick a bad property, then you may suffer losses which may be hard to recover from. Any rental property you buy should have some basic features.]]></description>
		<link>http://www.choiceofhomes.com/articles/buying-rental-property.htm</link>
	</item><item>
		<title>Enjoying the Outdoors with a Charming Porch Swing</title>
		<description><![CDATA[         A porch swing adds a delicate touch to your patio or outdoor space helping you enjoy the different seasons even more. Read the simple details you must consider when buying a porch swing. ]]></description>
		<link>http://www.choiceofhomes.com/articles/buying-porch-swing.htm</link>
	</item><item>
		<title>Hiring the Right Contractor for Your Home Improvement Project</title>
		<description><![CDATA[         A Home Improvement project submitted into the hands of an incompetent or dishonest contractor can soon turn your dream into a nightmare. Picking out the right contractor and working out the details at the start can save you this trouble. ]]></description>
		<link>http://www.choiceofhomes.com/articles/hire-contractor-home-improvement.htm</link>
	</item><item>
		<title>How to go about Hiring a Financial Adviser</title>
		<description><![CDATA[         Hiring a financial adviser is a job that needs to be done carefully. Finding someone who shares your financial goals is as important as finding someone competent and trustworthy.]]></description>
		<link>http://www.choiceofhomes.com/articles/hire-financial-adviser.htm</link>
	</item><item>
		<title>Basics of a Leaf Blower and How to Buy One</title>
		<description><![CDATA[         Leaf blowers are practical and can save you a lot of time and energy. Understand your needs before you pick out a leaf blower from the various types available in the market. ]]></description>
		<link>http://www.choiceofhomes.com/articles/leaf-blower-basics.htm</link>
	</item><item>
		<title>Choosing Appropriate Trees for Your Property</title>
		<description><![CDATA[         Trees can add interest to a landscape and complete the look of your home. But you cannot choose just any tree for your yard; you have to consider certain factors to pick the right trees for your property.]]></description>
		<link>http://www.choiceofhomes.com/articles/choosing-appropriate-trees.htm</link>
	</item><item>
		<title>Learning to Shop for Loans and Comparing Lenders</title>
		<description><![CDATA[         Shopping for loans from various lenders is essential as offers vary from one lender to another. Learn how to compare lenders and pick the best loan for your needs. ]]></description>
		<link>http://www.choiceofhomes.com/articles/loan-lender-shopping.htm</link>
	</item><item>
		<title>Hire a Mortgage Broker for Best Results. But Hire the Right One!</title>
		<description><![CDATA[         Mortgage Brokers can find anyone a suitable loan and with their expertise can make the whole loan process easier. But the catch lies in finding the right broker. ]]></description>
		<link>http://www.choiceofhomes.com/articles/hiring-mortgage-broker.htm</link>
	</item><item>
		<title>Fertilize for Your Lawn Appropriately for a Lush Green Bed</title>
		<description><![CDATA[         Lawns may need fertilizers to provide resistance to the grass and keep them thriving beautifully. But understand more about fertilizers and how you must use them for best results. ]]></description>
		<link>http://www.choiceofhomes.com/articles/lawn-fertilizer-details.htm</link>
	</item><item>
		<title>A Home Improvement Loan can Save the Day</title>
		<description><![CDATA[         You may wish to make renovations on your home or make repairs which are absolutely necessary. Some times it is difficult to fund big projects; here is where a Home Improvement loan comes in. ]]></description>
		<link>http://www.choiceofhomes.com/articles/home-improvement-loan.htm</link>
	</item><item>
		<title>Different Kinds of Properties Related to Foreclosure</title>
		<description><![CDATA[         There are different kinds of properties related to foreclosure: Pre-foreclosure, foreclosure auction and Real Estate Owned Properties. Before you invest in any of these properties, know the various benefits and risks involved with each of them. ]]></description>
		<link>http://www.choiceofhomes.com/articles/foreclosure-related-properties.htm</link>
	</item><item>
		<title>Selling Your Home on Your Own? Hire these Three People For a Successful Sale</title>
		<description><![CDATA[         Selling a home on your own is a decision you may take to save some precious money. Even if you do not hire an agent, you need to hire some others – a home inspector, evaluator and an attorney. ]]></description>
		<link>http://www.choiceofhomes.com/articles/FSBO-evaluator-inspector-attorney.htm</link>
	</item><item>
		<title>Top Five Myths about Mortgages that can Damage Your Pocket</title>
		<description><![CDATA[         Misunderstanding, ignorance and skepticism breeds myths and for the common man myths with regard to mortgages are many. Get rid of these myths so you can benefit from mortgages and avoid costly mistakes. ]]></description>
		<link>http://www.choiceofhomes.com/articles/popular-mortgage-myths.htm</link>
	</item><item>
		<title>What Kind of Wallpaper Should You Buy?</title>
		<description><![CDATA[         Wallpapers are fun and can create interesting effects in a room. There are several aspects of wallpaper that you need to know before you pick one out. ]]></description>
		<link>http://www.choiceofhomes.com/articles/buy-which-wallpaper.htm</link>
	</item><item>
		<title>Planning and Creating Your First Garden</title>
		<description><![CDATA[         Gardening can be a great pastime and can enhance the beauty of your home. If you are new to gardening, then a simple plan and an organized procedure will get you on the right track.]]></description>
		<link>http://www.choiceofhomes.com/articles/plan-create-first-garden.htm</link>
	</item><item>
		<title>How to Buy Foreclosure Properties in Auction</title>
		<description><![CDATA[         Investing in foreclosure properties can be extremely profitable. But it requires some skill and lots of research to buy foreclosure properties at auctions. ]]></description>
		<link>http://www.choiceofhomes.com/articles/buy-foreclosure-properties.htm</link>
	</item><item>
		<title>How to Detect a Roof Leak</title>
		<description><![CDATA[         If you find a dreaded moisture stain on your ceiling, then its time to start snooping around to find the cause of it. Do not wait till you have to spend big bucks because finding the cause early can save you a lot of trouble later.]]></description>
		<link>http://www.choiceofhomes.com/articles/detect-leaky-roof.htm</link>
	</item><item>
		<title>Advertising Your Rental Property Effectively</title>
		<description><![CDATA[         A rental vacancy for too long can be a burden to the owner especially since he will have to spend money and effort to maintain it. Advertising effectively can ensure your rental property’s occupation. ]]></description>
		<link>http://www.choiceofhomes.com/articles/advertising-rental-vacancy.htm</link>
	</item><item>
		<title>Enjoying Your Garden More with Outdoor Furniture</title>
		<description><![CDATA[         To enjoy you garden more, you should consider adding furniture. But you can hardly just place your couch outside, you need to take in several factors before you find appropriate furniture for your garden. ]]></description>
		<link>http://www.choiceofhomes.com/articles/outdoor-garden-furniture.htm</link>
	</item><item>
		<title>Planning and Implementing a Vibrant Flower Bed</title>
		<description><![CDATA[         Flower beds can be spectacular and add beautiful colors to any yard. Before you just dig out any area for a flower bed, consider several basic factors to create the picture you have in mind. ]]></description>
		<link>http://www.choiceofhomes.com/articles/planning-implementing-flower-bed.htm</link>
	</item><item>
		<title>Finding Rental Homes for You and Your Pet</title>
		<description><![CDATA[         Many people give up their pets because it is difficult to find rental accommodation which allows pets. But you can prevent this if you approach the landlord in the right manner and a systematic plan in hand. ]]></description>
		<link>http://www.choiceofhomes.com/articles/finding-pet-friendly-rentals.htm</link>
	</item><item>
		<title>Types of Rental Agreement: Lease Vs. Monthly/ Weekly Rental Agreements</title>
		<description><![CDATA[         Rental agreements can be oral or written depending on the wishes of the landlord and tenant, and the period of tenancy decided upon. The prime difference between a lease and a monthly/ weekly rental agreement lies in the period of tenancy.]]></description>
		<link>http://www.choiceofhomes.com/articles/types-rental-agreement.htm</link>
	</item><item>
		<title>Home Buying: Researching before Making an Offer</title>
		<description><![CDATA[         Making an offer on a home has to be done tactfully. But what exactly are you going to quote? Base your offer on hard evidence and for that you need to roll up your sleeves and do some research. ]]></description>
		<link>http://www.choiceofhomes.com/articles/researching-home-buying-offer.htm</link>
	</item><item>
		<title>Tackling Low Appraisals</title>
		<description><![CDATA[         Once the contract has been drawn up, an appraisal seems almost like a formality. But if the appraisal is low, it leaves all parties reeling. Nevertheless there are ways to deal with an unforeseen problem like this.]]></description>
		<link>http://www.choiceofhomes.com/articles/tackling-low-appraisals.htm</link>
	</item><item>
		<title>Know the Disadvantages Before Selling Your Home On Your Own (FSBO)</title>
		<description><![CDATA[         Deciding to sell your home on your own has to be a judgment based on your situation and your capability. But before you decide, find out what the drawbacks of FSBO are so you can prepare yourself better.]]></description>
		<link>http://www.choiceofhomes.com/articles/FSBO-disadvantages-drawbacks.htm</link>
	</item><item>
		<title>Sellers Should Inspect their Homes like Professionals Before Putting it up for Sale</title>
		<description><![CDATA[         When the home inspector is about to visit, it may make most sellers nervous. The solution to this is to do your job ahead by doing an inspection on your own and getting repairs done.]]></description>
		<link>http://www.choiceofhomes.com/articles/seller-inspect-home.htm</link>
	</item><item>
		<title>Landlords Should Know Tenancy Related Laws</title>
		<description><![CDATA[         If you are renting out your property, then you need to adhere to several laws. A good knowledge of these will help you conduct your business legally and ethically. ]]></description>
		<link>http://www.choiceofhomes.com/articles/landlord-tenant-laws.htm</link>
	</item><item>
		<title>Making an Offer when Buying a Home</title>
		<description><![CDATA[         Making an offer is not as simple as stating a price and terms. Approaching it practically and smartly will prevent you from stating too high or too low.  ]]></description>
		<link>http://www.choiceofhomes.com/articles/home-buying-making-offer.htm</link>
	</item><item>
		<title>Decorating Your Bedroom</title>
		<description><![CDATA[         Decorating a bedroom should be done with special care. It is your refuge and personal space which should be decorated according to your desires.]]></description>
		<link>http://www.choiceofhomes.com/articles/decorating-ideas-bedroom.htm</link>
	</item><item>
		<title>Precautions Against Costly Home Buying Mistakes</title>
		<description><![CDATA[         Some mistakes during a home buying process can prove to be extremely costly. Note the most common ones made by homebuyers which have the potential to put a hole in your pocket.]]></description>
		<link>http://www.choiceofhomes.com/articles/costly-home-buying-mistakes.htm</link>
	</item><item>
		<title>All You Need to Know About Earnest Money Deposit</title>
		<description><![CDATA[         An Earnest Money Deposit is a ‘good faith deposit’ offered by the buyer to show his serious intentions of purchasing a particular property. Understanding the various details will save you from losing the sum in case of any unforeseen events.]]></description>
		<link>http://www.choiceofhomes.com/articles/earnest-money-deposit.htm</link>
	</item><item>
		<title>Common Myths about Credit Score</title>
		<description><![CDATA[         Credit score is one of the most important pieces of information of the financial aspect of your life. Several myths arising from ignorance are propagated and it is essential for you to clear them out.  ]]></description>
		<link>http://www.choiceofhomes.com/articles/credit-score-myths.htm</link>
	</item><item>
		<title>Simple Factors that Home Buyers Neglect</title>
		<description><![CDATA[         It is always the simple things that we tend to overlook that create unnecessary problems later. When buying a home, watch out for the most common and simple factors that people tend to take for granted or neglect. ]]></description>
		<link>http://www.choiceofhomes.com/articles/home-buying-factors-overlooked.htm</link>
	</item><item>
		<title>Packing when Moving Homes</title>
		<description><![CDATA[         When relocating, packing can seem like a huge and daunting task. Some simple tips can help you get started and make the packing process simpler.]]></description>
		<link>http://www.choiceofhomes.com/articles/packing-ideas-for-moving.htm</link>
	</item><item>
		<title>Make it Easier for You and Your Pet when Moving</title>
		<description><![CDATA[         Moving in itself is a stressful experience, but moving with pets even more so. Planning ahead of time and tending to small details can make this experience less difficult for the pet and yourself.  ]]></description>
		<link>http://www.choiceofhomes.com/articles/moving-homes-with-pets.htm</link>
	</item><item>
		<title>Repairing a Bad Credit Score</title>
		<description><![CDATA[         A poor credit score will haunt you in various situations and hence it becomes crucial to fix it. There are no quick fix methods but a practical path that can help you repair that credit score.]]></description>
		<link>http://www.choiceofhomes.com/articles/repair-bad-credit-score.htm</link>
	</item><item>
		<title>Move Homes Efficiently with the Aid of a Checklist</title>
		<description><![CDATA[         You need to deal with countless tasks when moving to a new home. It is easy to forget some of them in all the commotion; be smart and organize yourself with a checklist like this one to make the process of relocating a successful one. ]]></description>
		<link>http://www.choiceofhomes.com/articles/checklist-moving-homes.htm</link>
	</item><item>
		<title>10 Simple Rules to Manage Your Money Smartly</title>
		<description><![CDATA[         Some times we just feel like we don’t have enough money; are we spending more or earning less? Learn ten simple rules to handle your money smartly.]]></description>
		<link>http://www.choiceofhomes.com/articles/rules-for-managing-money.htm</link>
	</item><item>
		<title>Getting Started on Apartment Hunting</title>
		<description><![CDATA[         Hunting for apartments is not such a tough job. But if you plan in advance and know exactly what you want, then you may live in a place that can actually make you happy. ]]></description>
		<link>http://www.choiceofhomes.com/articles/apartment-hunting-tips.htm</link>
	</item><item>
		<title>Escrow in the Home Buying Process</title>
		<description><![CDATA[         With the home buying process, escrow is a term closely associated with it. Escrow services are employed to protect interests of the parties involved in a transaction until it is completed.]]></description>
		<link>http://www.choiceofhomes.com/articles/escrow-home-buying.htm</link>
	</item><item>
		<title>Basics of Veterans Administration (VA) Loans</title>
		<description><![CDATA[VA loans are government loans which can prove to be extremely beneficial in some ways. But it is only a lucky few who are eligible and stand to gain much from this option.       ]]></description>
		<link>http://www.choiceofhomes.com/articles/veterans-administration-loan.htm</link>
	</item><item>
		<title>The Road to a Debt Free Future</title>
		<description><![CDATA[         Living with debt seems almost natural to most of us yet we fail to realize how it is slowly damaging our finances. Take small and simple steps to reduce debt and financially secure your future.]]></description>
		<link>http://www.choiceofhomes.com/articles/steps-reduce-debt.htm</link>
	</item><item>
		<title>Is Buying a Home After Bankruptcy a Smart Idea?</title>
		<description><![CDATA[         Unlike before, buying a home after bankruptcy is not so tough. But it requires you to be realistic and smart about your financial condition before you head towards owning a home.]]></description>
		<link>http://www.choiceofhomes.com/articles/home-buying-after-bankruptcy.htm</link>
	</item><item>
		<title>Calculate Your Debt to Income Ratio Before Shopping for a Loan</title>
		<description><![CDATA[         Before going to a lender, you should do some math to find out how much debt you can afford to take on. Debt to income ratio is considered by lenders before approving you for a loan.]]></description>
		<link>http://www.choiceofhomes.com/articles/calculate-debt-income-ratio.htm</link>
	</item><item>
		<title>Creating Real Estate Agent Websites for Better Business</title>
		<description><![CDATA[         As the internet pulls more people every single day, your services should be represented on this fantastic medium. Create a website that is attractive and informative can convert visitors into clients.]]></description>
		<link>http://www.choiceofhomes.com/articles/real-estate-agent-websites.htm</link>
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		<title>A Bridging Loan Can Save the Day</title>
		<description><![CDATA[         You want to purchase another property immediately but your old home may not sell on time. Instead of letting go of a good opportunity consider a bridging loan to see you through a deal successfully.]]></description>
		<link>http://www.choiceofhomes.com/articles/basics-bridging-loan.htm</link>
	</item><item>
		<title>Is A Payday Loan the Solution to Your Problem?</title>
		<description><![CDATA[         Sometimes we all face situations where there is an immediate need for cash and we lack the necessary funds. A payday loan can prove advantageous in a situation like this but know the cost at which you are obtaining these funds. ]]></description>
		<link>http://www.choiceofhomes.com/articles/payday-loan-details.htm</link>
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		<title>The Process of Home Selling</title>
		<description><![CDATA[         Selling your home is a long process which demands your attention for a successful sale. Find out the basic outline of the home selling process to prepare yourself.]]></description>
		<link>http://www.choiceofhomes.com/articles/home-selling-process.htm</link>
	</item><item>
		<title>Who Should You Choose? Mortgage Broker Or Bank?</title>
		<description><![CDATA[         You may be searching for a mortgage but who do you approach: a bank or a broker? Find out the difference between the two to make a smart choice.]]></description>
		<link>http://www.choiceofhomes.com/articles/bank-or-mortgage-broker.htm</link>
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		<title>Owner Financing Explained</title>
		<description><![CDATA[         Sometimes a buyer may not be able to obtain a traditional mortgage or a lender may not be willing to finance a particular property. When such difficulties arise, seller/ owner financing may prove to be a good answer.]]></description>
		<link>http://www.choiceofhomes.com/articles/owner-financing-explained.htm</link>
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		<title>Advertising Tips for Selling a Home on Your Own</title>
		<description><![CDATA[         Without an effective advertising plan you may not be able to sell your home effectively. Find out how you can advertise smartly and attract potential buyers to your home.]]></description>
		<link>http://www.choiceofhomes.com/articles/FSBO-advertising-tips.htm</link>
	</item><item>
		<title>Prepare for Closing Costs when Buying a Home</title>
		<description><![CDATA[                  Home buyers some times tend to neglect budgeting for closing costs with all other important issues in mind. But preparing ahead for closing costs will prevent your eyes from popping out on closing day.                  ]]></description>
		<link>http://www.choiceofhomes.com/articles/closing-costs-details.htm</link>
	</item><item>
		<title>Basics of Federal Housing Administration (FHA) loans</title>
		<description><![CDATA[       FHA loans are government-backed loans that help individuals with low to moderate incomes purchase homes. They are highly beneficial and it takes little to qualify for these loans.  ]]></description>
		<link>http://www.choiceofhomes.com/articles/FHA-loan-basics.htm</link>
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		<title>Detach Yourself Emotionally from Your Home Before Putting it up for Sale</title>
		<description><![CDATA[         Sellers who lack emotional control may jeopardize or delay a good deal. It is essential that sellers emotionally detach themselves from their home when putting it up for sale.]]></description>
		<link>http://www.choiceofhomes.com/articles/emotional-control-home-selling.htm</link>
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		<title>Risks of Owner Financing and How to Minimize them</title>
		<description><![CDATA[         Owner financing may be beneficial but it comes with its share of risks. Awareness of these and protecting yourself appropriately in the beginning can save you a lot of trouble.]]></description>
		<link>http://www.choiceofhomes.com/articles/owner-financing-risks-precautions.htm</link>
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		<title>Dealing with Home Buyer’s Remorse</title>
		<description><![CDATA[         Buying a home is one of the biggest decisions of your life and you are bound to experience doubts and anxiety regarding the decisions you have made. Home Buyer’s Remorse is common and can be easily avoided and dealt with.]]></description>
		<link>http://www.choiceofhomes.com/articles/handle-avoid-homebuyers-remorse.htm</link>
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		<title>Find Out How Much House You Can Realistically Afford</title>
		<description><![CDATA[         One of the reasons why people face foreclosure today is because they bought more home than they could afford. Before looking at any homes available, first determine exactly how much you can realistically afford.]]></description>
		<link>http://www.choiceofhomes.com/articles/how-much-house-you-can-afford.htm</link>
	</item><item>
		<title>Basics of Prepayment Penalty and How to Avoid It</title>
		<description><![CDATA[         A Prepayment penalty is charged when the borrower pays off his loan early. This can be a very heavy price to pay when you want to sell or refinance your home; learn how to avoid this unnecessary cost.]]></description>
		<link>http://www.choiceofhomes.com/articles/avoiding-prepayment-penalty.htm</link>
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		<title>Great Tips to Sell Your Home Quickly!</title>
		<description><![CDATA[         Everyone wants to sell their home quickly but some need to meet deadlines. A few tips are offered on how to make your sale quickly and effectively. ]]></description>
		<link>http://www.choiceofhomes.com/articles/sell-home-quickly.htm</link>
	</item><item>
		<title>Color and Design Psychology to Sell Your Home Successfully</title>
		<description><![CDATA[         Using color and design psychology when selling your home can prove to be highly beneficial. You may be able to make a quick sale at a price which is higher than what you expected. ]]></description>
		<link>http://www.choiceofhomes.com/articles/color-design-psychology-home-selling.htm</link>
	</item><item>
		<title>How to Reduce Closing Costs Effectively</title>
		<description><![CDATA[         Closing costs can be a whopping 3% - 6% of your total loan amount. Analyzing every single item that lends to closing costs and cutting back where possible can help bring the costs down.]]></description>
		<link>http://www.choiceofhomes.com/articles/reduce-closing-costs.htm</link>
	</item><item>
		<title>Tips for Real Estate Agents to Build and Retain their Clientele</title>
		<description><![CDATA[         Getting new clients is a lot tougher than retaining the old ones. Real Estate Agents should take small measures to make their clients happy, who in turn will come back to them for more business later and refer them to others.]]></description>
		<link>http://www.choiceofhomes.com/articles/agents-building-retaining-clientele.htm</link>
	</item><item>
		<title>Factors to Consider when Buying a Vacation Home</title>
		<description><![CDATA[         Buying a vacation home is a dream for most people and many are making this dream come true for themselves. But one needs to consider several factors when buying a vacation home.]]></description>
		<link>http://www.choiceofhomes.com/articles/factors-buying-vacation-home.htm</link>
	</item><item>
		<title>Obtaining a Mortgage for a Vacation Home</title>
		<description><![CDATA[         Getting a mortgage may not be tough but try getting one for a vacation home. The terms and rates are a lot harder but there are certain options open to you if you really want to buy that dream vacation home.]]></description>
		<link>http://www.choiceofhomes.com/articles/mortgage-vacation-home.htm</link>
	</item><item>
		<title>Disclosing Defects is Every Seller’s Responsibility</title>
		<description><![CDATA[         Sellers wonder exactly how much they should disclose about the defects in the property. It is best to disclose all defects to avoid being dragged to the court later.]]></description>
		<link>http://www.choiceofhomes.com/articles/seller-disclosing-defects.htm</link>
	</item><item>
		<title>Home Buyer’s Should Find Out About Restrictive Covenants</title>
		<description><![CDATA[         Restrictive covenants can refrain one from cutting a tree to letting their pet run around freely. Before buying a home check on the restrictive covenants to make sure that you can live with the regulations placed.]]></description>
		<link>http://www.choiceofhomes.com/articles/restrictive-covenants-home-buying.htm</link>
	</item><item>
		<title>Possession of Property by the Buyer Before Closing</title>
		<description><![CDATA[         Sometimes a buyer may want to take possession of the property before closing. What can a seller do in a situation like this?]]></description>
		<link>http://www.choiceofhomes.com/articles/buyer-possession-before-closing.htm</link>
	</item><item>
		<title>Outline of Appraisals in Residential Real Estate Transactions</title>
		<description><![CDATA[         Appraisals indicate the fair market value of a property. Appraisals are conducted for several reasons, but in residential real estate transactions they are arranged by the lender to determine the value of the home before the loan is approved.]]></description>
		<link>http://www.choiceofhomes.com/articles/appraisals-residential-real-estate-transactions.htm</link>
	</item><item>
		<title>Setting a Closing Date</title>
		<description><![CDATA[      Setting a closing date is important as it will give all parties involved a deadline to work with. Delays are bound to occur but planning ahead can help immensely.   ]]></description>
		<link>http://www.choiceofhomes.com/articles/setting-closing-date-seller.htm</link>
	</item><item>
		<title>What Exactly Happens on the Day of Closing?</title>
		<description><![CDATA[         Everyone nervously and eagerly anticipates for closing when the transaction can finally occur. But what exactly happens during closing?]]></description>
		<link>http://www.choiceofhomes.com/articles/closing-day-seller.htm</link>
	</item><item>
		<title>Basics of Homeowner’s Insurance Policy</title>
		<description><![CDATA[               Homeowner’s Insurance Policy will protect your property, its contents and safeguard you from certain liabilities. Learn more about the simple facts that can help you find the best policy for your home.            ]]></description>
		<link>http://www.choiceofhomes.com/articles/homeowners-insurance-policy.htm</link>
	</item><item>
		<title>Safety Guidelines for Real Estate Agents</title>
		<description><![CDATA[      Real Estate Agents need to take extra care about their safety as they are sometimes in a position where they can be easy targets for predators. Following some basic safety guidelines may help reduce risk.   ]]></description>
		<link>http://www.choiceofhomes.com/articles/safety-guidelines-real-estate-agents.htm</link>
	</item><item>
		<title>What a Buyer/ Seller Looks for in an Agent</title>
		<description><![CDATA[         What exactly are consumers looking for in a real estate agent? Experience, intelligence, honesty and reliability are among the wide range of qualities they look for in an ideal agent.]]></description>
		<link>http://www.choiceofhomes.com/articles/what-customers-want-in-agents.htm</link>
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		<title>Modular Homes can be a Great Option</title>
		<description><![CDATA[         Modular homes are popular for various reasons which are justified. They offer great advantages especially when it comes to quality and saving time.]]></description>
		<link>http://www.choiceofhomes.com/articles/shopping-modular-homes.htm</link>
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		<title>Discount Points: To Buy or Not to Buy?</title>
		<description><![CDATA[         Most people are unsure of how points actually work and if they benefit them at all. It all depends on your situation and how long you intend to keep your loan.]]></description>
		<link>http://www.choiceofhomes.com/articles/buying-mortgage-discount-points.htm</link>
	</item><item>
		<title>Common Reasons for a Fallout with the Buyer and How to Avoid It</title>
		<description><![CDATA[         A buyer and seller may fallout for several reasons. From lack of emotional control to financing, any reason may break the deal. The best way to handle these situations is to prepare yourself in advance. ]]></description>
		<link>http://www.choiceofhomes.com/articles/buyer-seller-fallout-reasons-avoid.htm</link>
	</item><item>
		<title>Myths about Real Estate Agents</title>
		<description><![CDATA[         Many people have a lot of misconceptions when it comes to real estate agents. These myths are usually born out of ignorance, wariness or naivet&eacute;. ]]></description>
		<link>http://www.choiceofhomes.com/articles/myths-real-estate-agents.htm</link>
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		<title>Discount Real Estate Agents Vs. Traditional Agents: Whom to Hire?</title>
		<description><![CDATA[        Discount real estate agents or Traditional ones? It depends on your needs and what you want from an agent. Also consider the track record of the agency/ agent before hiring them. ]]></description>
		<link>http://www.choiceofhomes.com/articles/discount-versus-traditional-agents.htm</link>
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		<title>5 Common Myths about Selling a Home</title>
		<description><![CDATA[         There is a concept behind selling a home, hence everyone has their own views about it. But know that in today’s real estate market, some views are just misconceptions and some theories are just myths.]]></description>
		<link>http://www.choiceofhomes.com/articles/home-selling-myths.htm</link>
	</item><item>
		<title>How a Real Estate Agent can Differentiate Himself from the Crowd</title>
		<description><![CDATA[         So many real estate agents and all providing the same services. How do you differentiate yourself from the rest and attract more clients?]]></description>
		<link>http://www.choiceofhomes.com/articles/real-estate-agent-differentiate-improve.htm</link>
	</item><item>
		<title>Real Estate Agent, Broker, Realtor: What is the Difference?</title>
		<description><![CDATA[         Real Estate Agent, Broker and Realtor: what are the differences between the three? Agents are hired by brokers, and an agent or agency who is affiliated to the National Association of Realtors&reg; (NAR) is called a Realtor&reg;.
 
]]></description>
		<link>http://www.choiceofhomes.com/articles/differences-agent-broker-realtor.htm</link>
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		<title>Closing the Deal: After You Have Found A Buyer</title>
		<description><![CDATA[         When you have finally found a buyer who you have negotiated well with, what do you do next? You launch the closing process with the sales contract and see it through to the end on closing day.]]></description>
		<link>http://www.choiceofhomes.com/articles/home-closing-deal.htm</link>
	</item><item>
		<title>What is the Prospect for Newcomers in the Real Estate Profession?</title>
		<description><![CDATA[         If you are planning on entering the real estate field as a professional now, do you think you have what it takes to survive the competition? Jobs are available, it is your expertise that matters. ]]></description>
		<link>http://www.choiceofhomes.com/articles/real-estate-jobs-newcomers.htm</link>
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		<title>Pre-Qualification and Pre-Approval are a Must Before You Start Shopping for Homes</title>
		<description><![CDATA[         Pre-approval and pre-qualification are two different procedures. But both are necessary when you start shopping for homes as they will give you an idea of how much loan you can obtain.]]></description>
		<link>http://www.choiceofhomes.com/articles/pre-qualification-pre-approval.htm</link>
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		<title>Should You Sell Your Home First or Buy a New One First?</title>
		<description><![CDATA[         The dilemma that most second or third time home shoppers face is whether to sell their home first or buy first. There is no right answer, just several options depending on your situation.]]></description>
		<link>http://www.choiceofhomes.com/articles/sell-old-home-first-buy-new-first.htm</link>
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		<title>Compensating Factors Can Help You Secure a Loan</title>
		<description><![CDATA[            Would you get a loan if you have a really high debt to income ratio if every other aspect of your financial record is good? Maybe. To make up for that one flaw, you can put your compensating factors to work and secure that loan.       ]]></description>
		<link>http://www.choiceofhomes.com/articles/mortgage-compensating-factors.htm</link>
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		<title>How to Analyze an Offer and then Counter-Offer</title>
		<description><![CDATA[     Having a buyer knock on your door is every seller’s dream. But once a buyer makes an offer, how should you handle the situation? Read the terms carefully and either accept it or make a counter-offer.    ]]></description>
		<link>http://www.choiceofhomes.com/articles/analyze-offer-counter-offer.htm</link>
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		<title>Make Your Kitchen Feng Shui Friendly for Prosperity and Health</title>
		<description><![CDATA[         The kitchen is an important area in a home; it represents nourishment and sustenance. Practice the principles of feng shui in your kitchen to improve the quality of your life.]]></description>
		<link>http://www.choiceofhomes.com/articles/feng-shui-kitchen.htm</link>
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		<title>How to Retain Good Tenants</title>
		<description><![CDATA[         Rental vacancies or too many tenant turnovers is never good news for any landlord. Put some effort into your duties as a landlord and you will ensure that your tenants renew their lease and stay with you.]]></description>
		<link>http://www.choiceofhomes.com/articles/landlord-retaining-tenants.htm</link>
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		<title>Dealing with Late Rent Payments</title>
		<description><![CDATA[        Every once in a while a tenant may not make his rent payment on time. While you should allow room for valid reasons, you should learn how to handle such situations and prevent them. ]]></description>
		<link>http://www.choiceofhomes.com/articles/late-rent-payment.htm</link>
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		<title>Sleep like a Baby in Your Feng Shui Bedroom</title>
		<description><![CDATA[         Feng Shui can help generate chi or good energy and improve the quality of your life. Feng Shui rules for the bedroom generate restful energy for a soothing and relaxing atmosphere.]]></description>
		<link>http://www.choiceofhomes.com/articles/feng-shui-bedroom.htm</link>
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		<title>Real Estate Agents and Ethics</title>
		<description><![CDATA[         Ethics are laid down for every walk of life and all businesses. Ethical conduct for real estate agents is not just about acceptable behavior but a key to succeeding at what they do.]]></description>
		<link>http://www.choiceofhomes.com/articles/real-estate-agents-ethics.htm</link>
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		<title>Buying a Home in its ‘As Is’ Condition</title>
		<description><![CDATA[         Homes sold in their ‘as is’ condition are usually bought by investors; home buyers rarely ever do so. But if you find a home like this before you reject it completely consider it as it may be a good deal. ]]></description>
		<link>http://www.choiceofhomes.com/articles/buying-home-as-is-condition.htm</link>
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		<title>Real Estate Farming with a Twist</title>
		<description><![CDATA[         Farming a geographical location is not the smartest idea considering there are several others pouncing on the same area. Consider a smaller and specific segment; establish your credibility among them and you may have a higher chance of success. ]]></description>
		<link>http://www.choiceofhomes.com/articles/real-estate-farming.htm</link>
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		<title>Errors and Omissions Insurance for Real Estate Agents</title>
		<description><![CDATA[         A dissatisfied client may always come back to blame the agent if he is unhappy with a particular real estate transaction. Errors and Omissions insurance may save you from financial disaster if a lawsuit is filed against you.]]></description>
		<link>http://www.choiceofhomes.com/articles/errors-omissions-insurance.htm</link>
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		<title>Discrimination against Tenants</title>
		<description><![CDATA[         Denying tenancy or treating a tenant unfairly based on one’s background, family status and disability is illegal. Landlords should know their laws so they do not discriminate against any individual.]]></description>
		<link>http://www.choiceofhomes.com/articles/landlord-tenant-discrimination.htm</link>
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		<title>How Much Commission can You Earn as a Real Estate Agent</title>
		<description><![CDATA[         Contrary to popular belief, real estate agents do not consume the entire commission paid by the seller; it is split between many parties. Despite the many splits, an agent can still hope to earn more if he can perform better.]]></description>
		<link>http://www.choiceofhomes.com/articles/real-estate-agent-commission.htm</link>
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		<title>FSBO: Should You Pay the Buyer’s Agent?</title>
		<description><![CDATA[               You may choose to sell a property on your own to save on the agent’s commission. But if a buyer’s agent brings a buyer to your home, should you shy away from him to avoid paying him a commission?            ]]></description>
		<link>http://www.choiceofhomes.com/articles/buyer-agent-commission.htm</link>
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		<title>A Pre-listing Package to Ensure You Acquire that Listing</title>
		<description><![CDATA[         A Pre-listing package is an opportunity in disguise to impress a prospective client. Agents should get one ready so they can show the seller how professional they are and why they are the right choice for him.]]></description>
		<link>http://www.choiceofhomes.com/articles/agents-prelisting-package.htm</link>
	</item><item>
		<title>Real Estate Agents: Is Your Ad Discriminatory?</title>
		<description><![CDATA[         The Fair Housing Act presents guidelines against discrimination even when advertising. Real estate agents should know how to compose an ad which will not violate any guidelines.]]></description>
		<link>http://www.choiceofhomes.com/articles/fair-housing-advertisement-discrimination.htm</link>
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		<title>Selling Rental Property: Vacant or Tenant-Occupied?</title>
		<description><![CDATA[         Selling a vacant rental property is usually easier and more convenient. But it is not impossible or even too difficult to sell a tenant-occupied property if you manage to get your tenants to co-operate with you.]]></description>
		<link>http://www.choiceofhomes.com/articles/sell-rental-property-vacant-tenant-occupied.htm</link>
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		<title>Home Selling with Pets Around</title>
		<description><![CDATA[         Home selling can become difficult if your pets run around loosely during a showing; they may frighten or distract your buyers. Sellers who have pets need to take extra measures to sell their home effectively.]]></description>
		<link>http://www.choiceofhomes.com/articles/home-selling-pets.htm</link>
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		<title>Rental Concessions to Attract Tenants</title>
		<description><![CDATA[        Rental concessions are offered by landlords to draw tenants to vacant properties. Concessions can be in any form as long as they benefit the tenant in some way.  ]]></description>
		<link>http://www.choiceofhomes.com/articles/rental-concessions-attract-tenants.htm</link>
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		<title>A-B-C of 1031 Exchange</title>
		<description><![CDATA[         It would be great if you did not have to pay capital gains tax and utilize that amount to invest in a larger property. Try 1031 Exchange or tax-deferred exchange to postpone your capital gains tax to invest that amount now.]]></description>
		<link>http://www.choiceofhomes.com/articles/1031-tax-deferred-Exchange.htm</link>
	</item><item>
		<title>Should You Invest in Land?</title>
		<description><![CDATA[         Buying land is not the game of the wealthy anymore. Today, buying land for investment purposes has grown in momentum as it holds the potential of high yields. ]]></description>
		<link>http://www.choiceofhomes.com/articles/buy-land-investment.htm</link>
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