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	<title>Home Market and Real Estate</title>
	<link>http://www.homemarketthoughts.com</link>
	<description>Insights on the housing market</description>
	<lastBuildDate>Tue, 26 May 2009 15:02:53 +0000</lastBuildDate>
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	<item>
		<title>Possible Vacation Savings</title>
		<description><![CDATA[ 
Many people will be foregoing their family vacations this year because of the current economic climate.Others, however, are determined to enjoy a vacation, but are looking for ways to save money while still having a great trip.

Flexibility is probably the main key to saving on a vacation. Investigate several possible scenarios for you and [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/05/possible-vacation-savings/</link>
			</item>
	<item>
		<title>A New Type of Insurance</title>
		<description><![CDATA[ 
We are all anxiously awaiting a housing recovery so that home values and sales will increase and this turnaround will, hopefully, help pull us out of the current recession. The government is offering an $8,000 incentive to new homebuyers (and those who have not owned a home for three years) and, yet, people are [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/05/a-new-type-of-insurance/</link>
			</item>
	<item>
		<title>Energy Costs</title>
		<description><![CDATA[

The economy is in a crisis situation and the costs of everything are rising and falling at record speeds. People are having a great deal of trouble finding the funds to pay for the necessities of life, most especially energy costs. Not very long ago everyone was talking about the price of gasoline on a [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/04/energy-costs/</link>
			</item>
	<item>
		<title>Will We Remain Thrifty?</title>
		<description><![CDATA[ 
Americans have found numerous ways to cut their expenses during the current recession. We have readjusted our thinking as to what we actually need, and have learned to cut back on many everyday expenses. Our children are also learning to make do with less, and these lessons seem to be very good for everyone. [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/04/will-we-remain-thrifty/</link>
			</item>
	<item>
		<title>ADDITIONAL INCOME</title>
		<description><![CDATA[ 
Inflation is up, prices are rising rapidly, and people are being furloughed from their jobs, resulting in lower salaries. How do you make ends meet when you are earning less and everything costs more? One suggestion might be to find a source of additional income to help balance your budget. Several possibilities follow:

Pet sitting [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/03/additional-income/</link>
			</item>
	<item>
		<title>SAVINGS IDEAS FOR HARD TIMES</title>
		<description><![CDATA[ 
If you were to lose your job tomorrow, how long could you survive without your income? This, of course, depends on how well-prepared you are financially. Even if you feel secure in your current position, it is still a good idea to cut expenses and put away that extra money for a “rainy day”, [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/02/savings-ideas-for-hard-times/</link>
			</item>
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		<title>HEATING YOUR HOME FOR WINTER</title>
		<description><![CDATA[ 

Green is the “in” thing to do, but conserving on your home heating costs is also smart budgeting. $1,400 a year is the amount an average family pays for energy bills. It is, however, possible to save 20% of this amount if you take certain steps to cut back on your heating costs.

It is extremely [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/01/heating-your-home-for-winter/</link>
			</item>
	<item>
		<title>REQUESTING A RAISE IN SALARY</title>
		<description><![CDATA[ 
In today’s economy, it is almost impossible to even think of requesting a raise in salary as more and more of your co-workers are being laid off. There is, however, a possibility that this raise may actually be available if you request it.

In times such as these, a trusted, extremely productive employee is very [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/01/requesting-a-raise-in-salary/</link>
			</item>
	<item>
		<title>TARGETING A MAJOR EXPENSE</title>
		<description><![CDATA[ 
The current economic crisis demands that all large companies review their costs and find ways to cut them as much as possible. One of the areas being targeted by large corporations today is absenteeism. JC Penney is working diligently with their employees in an effort to cut employee absences and the expenses they entail. [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/01/targeting-a-major-expense/</link>
			</item>
	<item>
		<title>FUNERAL CONTRACTS</title>
		<description><![CDATA[ 
Many people today are making their funeral arrangements in advance so that everything will be in accordance with their wishes and their families do not have to struggle through the process while grieving the loss of a loved one. These contracts are called pre-need and are sold to many with the idea that they [...]]]></description>
		<link>http://www.homemarketthoughts.com/2009/01/funeral-contracts/</link>
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