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> <channel><title>Comments for phinneyecovillagenet</title> <atom:link href="http://www.phinneyecovillage.net/comments/feed/" rel="self" type="application/rss+xml" /><link>http://www.phinneyecovillage.net</link> <description></description> <lastBuildDate>Wed, 22 Feb 2012 22:57:06 +0000</lastBuildDate> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.3.1</generator> <xhtml:meta xmlns:xhtml="http://www.w3.org/1999/xhtml" name="robots" content="noindex" /> <item><title>Comment on Nutrients Assistance To Produce Acquiring Healthy Easy by gardenax</title><link>http://www.phinneyecovillage.net/health/nutrients-assistance-to-produce-acquiring-healthy-easy/#comment-688</link> <dc:creator>gardenax</dc:creator> <pubDate>Wed, 22 Feb 2012 22:57:06 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=484#comment-688</guid> <description>THIS SITE SUCKS
THIS SITE SUCKS
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THIS SITE SUCKSTHIS SITE SUCKS
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THIS SITE SUCKS</description> <content:encoded><![CDATA[<p>THIS SITE SUCKS<br
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/> THIS SITE SUCKS</p><p>THIS SITE SUCKS<br
/> THIS SITE SUCKS<br
/> THIS SITE SUCKS</p> ]]></content:encoded> </item> <item><title>Comment on Nutrients Assistance To Produce Acquiring Healthy Easy by jaki</title><link>http://www.phinneyecovillage.net/health/nutrients-assistance-to-produce-acquiring-healthy-easy/#comment-687</link> <dc:creator>jaki</dc:creator> <pubDate>Wed, 22 Feb 2012 20:44:53 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=484#comment-687</guid> <description>Hi jan
Nice site, and good work. go on like this, to have the best site that I know!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!</description> <content:encoded><![CDATA[<p>Hi jan<br
/> Nice site, and good work. go on like this, to have the best site that I know!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!</p> ]]></content:encoded> </item> <item><title>Comment on Nutrients Assistance To Produce Acquiring Healthy Easy by Kirby Zero</title><link>http://www.phinneyecovillage.net/health/nutrients-assistance-to-produce-acquiring-healthy-easy/#comment-686</link> <dc:creator>Kirby Zero</dc:creator> <pubDate>Wed, 22 Feb 2012 18:42:34 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=484#comment-686</guid> <description>Hey Bodge! I think ur site is the best site ever been 2. Hope we can meet some day!</description> <content:encoded><![CDATA[<p>Hey Bodge! I think ur site is the best site ever been 2. Hope we can meet some day!</p> ]]></content:encoded> </item> <item><title>Comment on Nutrients Assistance To Produce Acquiring Healthy Easy by ladiesguy</title><link>http://www.phinneyecovillage.net/health/nutrients-assistance-to-produce-acquiring-healthy-easy/#comment-685</link> <dc:creator>ladiesguy</dc:creator> <pubDate>Wed, 22 Feb 2012 16:26:21 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=484#comment-685</guid> <description>THIS IS A GAY, CRAPPY, AND USLESS SITE! :)
HAVE A HORRIBLE HELL DAY</description> <content:encoded><![CDATA[<p>THIS IS A GAY, CRAPPY, AND USLESS SITE! <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /><br
/> HAVE A HORRIBLE HELL DAY</p> ]]></content:encoded> </item> <item><title>Comment on Pondering Right Out The Carton In Dog Training by noemi ponce</title><link>http://www.phinneyecovillage.net/pets/pondering-right-out-the-carton-in-dog-training/#comment-684</link> <dc:creator>noemi ponce</dc:creator> <pubDate>Wed, 22 Feb 2012 10:48:12 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=480#comment-684</guid> <description>sorry tz, but what you want to know is what you have to.
But the bugs are attracted to what you breath (o2) because if you you have blood.</description> <content:encoded><![CDATA[<p>sorry tz, but what you want to know is what you have to.<br
/> But the bugs are attracted to what you breath (o2) because if you you have blood.</p> ]]></content:encoded> </item> <item><title>Comment on Simple Ways To Generate income from The Website You Actually Have by Sigil</title><link>http://www.phinneyecovillage.net/business/simple-ways-to-generate-income-from-the-website-you-actually-have/#comment-683</link> <dc:creator>Sigil</dc:creator> <pubDate>Wed, 22 Feb 2012 08:18:17 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=482#comment-683</guid> <description>Because my standards for a man are higher than what society holds for men in general.I know of a woman who DID put up with a cheating man, and now she realizes that if he is willing to cheat at sex, he is just not an honorable man in other ways, either.  a loser and now she understands that (and they are well on their way to divorce).</description> <content:encoded><![CDATA[<p>Because my standards for a man are higher than what society holds for men in general.</p><p>I know of a woman who DID put up with a cheating man, and now she realizes that if he is willing to cheat at sex, he is just not an honorable man in other ways, either.  a loser and now she understands that (and they are well on their way to divorce).</p> ]]></content:encoded> </item> <item><title>Comment on Nutrients Assistance To Produce Acquiring Healthy Easy by steppage</title><link>http://www.phinneyecovillage.net/health/nutrients-assistance-to-produce-acquiring-healthy-easy/#comment-682</link> <dc:creator>steppage</dc:creator> <pubDate>Wed, 22 Feb 2012 06:17:36 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=484#comment-682</guid> <description>i&#039;ve never played black site, but assasins creed is the funnest game played in a long time.
in fact, ive been on it for the last two hours.</description> <content:encoded><![CDATA[<p>i&#039;ve never played black site, but assasins creed is the funnest game played in a long time.<br
/> in fact, ive been on it for the last two hours.</p> ]]></content:encoded> </item> <item><title>Comment on Pondering Right Out The Carton In Dog Training by dark_mushroom</title><link>http://www.phinneyecovillage.net/pets/pondering-right-out-the-carton-in-dog-training/#comment-681</link> <dc:creator>dark_mushroom</dc:creator> <pubDate>Wed, 22 Feb 2012 05:16:33 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=480#comment-681</guid> <description>In internet explorer click on tools &gt; internet options &gt; advanced &gt; scroll down to security &gt; and check &quot;Allow active content to run in files on My Computer&quot;. I hope this helps.</description> <content:encoded><![CDATA[<p>In internet explorer click on tools &gt; internet options &gt; advanced &gt; scroll down to security &gt; and check &quot;Allow active content to run in files on My Computer&quot;. I hope this helps.</p> ]]></content:encoded> </item> <item><title>Comment on Pondering Right Out The Carton In Dog Training by Mark</title><link>http://www.phinneyecovillage.net/pets/pondering-right-out-the-carton-in-dog-training/#comment-680</link> <dc:creator>Mark</dc:creator> <pubDate>Wed, 22 Feb 2012 03:05:49 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=480#comment-680</guid> <description>Why would you want to waste bandwidth emailing a page when you can just send a link ?</description> <content:encoded><![CDATA[<p>Why would you want to waste bandwidth emailing a page when you can just send a link ?</p> ]]></content:encoded> </item> <item><title>Comment on Get Your Success To Your Own Arms:Search Engine Ranking Optimization Concepts To Use by Germann A</title><link>http://www.phinneyecovillage.net/internet/get-your-success-to-your-own-armssearch-engine-ranking-optimization-concepts-to-use/#comment-679</link> <dc:creator>Germann A</dc:creator> <pubDate>Wed, 22 Feb 2012 00:50:35 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=472#comment-679</guid> <description>It looks like you misspelled &quot;else&quot;echo &quot;&lt;/form&gt;&lt;/table&gt;n&quot;;
}esle {
$username protect($_POST[&#039;username&#039;]);</description> <content:encoded><![CDATA[<p>It looks like you misspelled &quot;else&quot;</p><p>echo &quot;&lt;/form&gt;&lt;/table&gt;n&quot;;<br
/> }esle {<br
/> $username protect($_POST[&#039;username&#039;]);</p> ]]></content:encoded> </item> <item><title>Comment on Home Remodeling Guidance Which Can Be Used by kempton</title><link>http://www.phinneyecovillage.net/home/home-remodeling-guidance-which-can-be-used/#comment-678</link> <dc:creator>kempton</dc:creator> <pubDate>Tue, 21 Feb 2012 23:47:14 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=474#comment-678</guid> <description>Mike Holmes is not an inspector...he plays one on television.  People with problems call and make appointments to be interviewed by his producers.  Unlike real inspectors, he has been briefed as to the troubles before he arrives at the house and, unlike real inspectors, he is able to rip up carpet and take other invasive measures to expose what he already knows is there.Mike Holmes has continuously avoided invitations made by the International Association of Home Inspectors to simply inspect a house (without his producers and advance men) side by side with a real inspector and compare findings.He is incapable of inspecting a home under the same restrictions using the same skills of non-invasive observation as a real inspector.  Until such time that he does, just another fictional television character.</description> <content:encoded><![CDATA[<p>Mike Holmes is not an inspector&#8230;he plays one on television.  People with problems call and make appointments to be interviewed by his producers.  Unlike real inspectors, he has been briefed as to the troubles before he arrives at the house and, unlike real inspectors, he is able to rip up carpet and take other invasive measures to expose what he already knows is there.</p><p>Mike Holmes has continuously avoided invitations made by the International Association of Home Inspectors to simply inspect a house (without his producers and advance men) side by side with a real inspector and compare findings.</p><p>He is incapable of inspecting a home under the same restrictions using the same skills of non-invasive observation as a real inspector.  Until such time that he does, just another fictional television character.</p> ]]></content:encoded> </item> <item><title>Comment on Home Remodeling Guidance Which Can Be Used by Paul Stewart</title><link>http://www.phinneyecovillage.net/home/home-remodeling-guidance-which-can-be-used/#comment-677</link> <dc:creator>Paul Stewart</dc:creator> <pubDate>Tue, 21 Feb 2012 16:21:34 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=474#comment-677</guid> <description>I am almost embarresed to admit that I am watching it. I am a contractor by trade and one of my favorite shows is Holmes on Homes, where they constantly say that you need to take your time and do things right the first time. They are giving these average people un-realistic time constraints and then judging them pretty harshly. Are they looking for an All American Handyman or an All American Homeowner? I am sorry to say that I think I am losing a little respect for Mike Holmes.</description> <content:encoded><![CDATA[<p>I am almost embarresed to admit that I am watching it. I am a contractor by trade and one of my favorite shows is Holmes on Homes, where they constantly say that you need to take your time and do things right the first time. They are giving these average people un-realistic time constraints and then judging them pretty harshly. Are they looking for an All American Handyman or an All American Homeowner? I am sorry to say that I think I am losing a little respect for Mike Holmes.</p> ]]></content:encoded> </item> <item><title>Comment on Pondering Right Out The Carton In Dog Training by Casper</title><link>http://www.phinneyecovillage.net/pets/pondering-right-out-the-carton-in-dog-training/#comment-676</link> <dc:creator>Casper</dc:creator> <pubDate>Tue, 21 Feb 2012 11:07:25 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=480#comment-676</guid> <description>Hi ChrisPhotoFrame was really designed to be run while your phone is on charge. If got a dock it looks great when your phone is on charge on your desk.As for your other point - I think you must be clicking on our web link at the bottom of the screen rather than the button that says Photos&#039; above it...Just try clicking once on the time display to bring up the settings screen.Let us know if still having problems.</description> <content:encoded><![CDATA[<p>Hi Chris</p><p>PhotoFrame was really designed to be run while your phone is on charge. If got a dock it looks great when your phone is on charge on your desk.</p><p>As for your other point &#8211; I think you must be clicking on our web link at the bottom of the screen rather than the button that says Photos&#039; above it&#8230;</p><p>Just try clicking once on the time display to bring up the settings screen.</p><p>Let us know if still having problems.</p> ]]></content:encoded> </item> <item><title>Comment on Pondering Right Out The Carton In Dog Training by Gijigaadu</title><link>http://www.phinneyecovillage.net/pets/pondering-right-out-the-carton-in-dog-training/#comment-675</link> <dc:creator>Gijigaadu</dc:creator> <pubDate>Tue, 21 Feb 2012 03:58:39 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=480#comment-675</guid> <description>fine&amp;wonderful,I am not feeling any  shivering to see the  caterpillar  .
How to catch the 6 butterflys side by side.
It is not hard but takes much a longer time. However it is a beautiful photograph,if you are interested  to know about the butterflys pl.visit the following web link.agkanth</description> <content:encoded><![CDATA[<p>fine&#038;wonderful,I am not feeling any  shivering to see the  caterpillar  .<br
/> How to catch the 6 butterflys side by side.<br
/> It is not hard but takes much a longer time. However it is a beautiful photograph,if you are interested  to know about the butterflys pl.visit the following web link.</p><p>agkanth</p> ]]></content:encoded> </item> <item><title>Comment on Pondering Right Out The Carton In Dog Training by Ian</title><link>http://www.phinneyecovillage.net/pets/pondering-right-out-the-carton-in-dog-training/#comment-674</link> <dc:creator>Ian</dc:creator> <pubDate>Tue, 21 Feb 2012 01:53:01 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=480#comment-674</guid> <description>I went last year, and it was quite quirky with one of the acts curating her own tent which set up as a tea room with lemonade and cakes for sale.  Nice n quirky.  All free too.
If looking for something to do as this finishes, Stray Light are playing Night &amp; Day from about 8ish.  Too convienient me thinks.   Check the web link for a pound off flier...
Ian.</description> <content:encoded><![CDATA[<p>I went last year, and it was quite quirky with one of the acts curating her own tent which set up as a tea room with lemonade and cakes for sale.  Nice n quirky.  All free too.<br
/> If looking for something to do as this finishes, Stray Light are playing Night &#038; Day from about 8ish.  Too convienient me thinks.   Check the web link for a pound off flier&#8230;<br
/> Ian.</p> ]]></content:encoded> </item> <item><title>Comment on Pondering Right Out The Carton In Dog Training by Chris B</title><link>http://www.phinneyecovillage.net/pets/pondering-right-out-the-carton-in-dog-training/#comment-673</link> <dc:creator>Chris B</dc:creator> <pubDate>Tue, 21 Feb 2012 00:50:03 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=480#comment-673</guid> <description>Your domain is not found. This mean it does not exist.Good Luck!
If you need assistance/advice, feel free to contact me.</description> <content:encoded><![CDATA[<p>Your domain is not found. This mean it does not exist.</p><p>Good Luck!<br
/> If you need assistance/advice, feel free to contact me.</p> ]]></content:encoded> </item> <item><title>Comment on Get Your Success To Your Own Arms:Search Engine Ranking Optimization Concepts To Use by Deborah Lipp</title><link>http://www.phinneyecovillage.net/internet/get-your-success-to-your-own-armssearch-engine-ranking-optimization-concepts-to-use/#comment-672</link> <dc:creator>Deborah Lipp</dc:creator> <pubDate>Mon, 20 Feb 2012 23:49:54 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=472#comment-672</guid> <description>Interesting what gets one back into it.  For you it was TLD; for me it was the holiday marathons on cable.  I grew up with the movies, but drifted away at the end of the moore era. In fact I have never seen LTK, and only have seen the PBs once each, and at that DAD was a Spike TV commercially-marred 3 hours which I drifted in and out of.
Thinking back on it, the more I reflect, the more I think TLD is a top 5.  TD acts up a mad at times, happy at others, mischevious at others--good stuff, good plot, little or no silliness.  At fist I thought Kara was weak, but the point it?  And TD seems to care, making it a relationship not a conquest.  Whether or not thats a good thing is another question. So its FRWL vs GE?</description> <content:encoded><![CDATA[<p>Interesting what gets one back into it.  For you it was TLD; for me it was the holiday marathons on cable.  I grew up with the movies, but drifted away at the end of the moore era. In fact I have never seen LTK, and only have seen the PBs once each, and at that DAD was a Spike TV commercially-marred 3 hours which I drifted in and out of.<br
/> Thinking back on it, the more I reflect, the more I think TLD is a top 5.  TD acts up a mad at times, happy at others, mischevious at others&#8211;good stuff, good plot, little or no silliness.  At fist I thought Kara was weak, but the point it?  And TD seems to care, making it a relationship not a conquest.  Whether or not thats a good thing is another question. So its FRWL vs GE?</p> ]]></content:encoded> </item> <item><title>Comment on Get Your Success To Your Own Arms:Search Engine Ranking Optimization Concepts To Use by Nate Harris</title><link>http://www.phinneyecovillage.net/internet/get-your-success-to-your-own-armssearch-engine-ranking-optimization-concepts-to-use/#comment-671</link> <dc:creator>Nate Harris</dc:creator> <pubDate>Mon, 20 Feb 2012 17:27:29 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=472#comment-671</guid> <description>It&#039;s an interesting but not sure that I agree with his conclusion that the Federal logic is wrong, from the UDRP perspective. have my notes in front of me, but the key point to make (IIRC) is that TLD suffixes are routinely, and rightly, ignored as immaterial to the analysis of a presence of a mark in a UDRP proceeding, but he would have us believe that the inclusion of a TLD somehow creates a descriptive mark out of a generic term. I think what arguing - that a difference between the early cases and these later ones (which found the marks to be generic, HOTELS.COM and LAWYERS.COM among them, I think) - is correct, but his argument that they are properly descriptive does not sound right to me. I think that is reflective of how anyone uses or thinks of the Internet, despite the statistic (a survey) that he cites.planning on writing something about this that incorporates the UDRP-side, which he pretty much ignored in his on the to-do list!</description> <content:encoded><![CDATA[<p>It&#039;s an interesting but not sure that I agree with his conclusion that the Federal logic is wrong, from the UDRP perspective. have my notes in front of me, but the key point to make (IIRC) is that TLD suffixes are routinely, and rightly, ignored as immaterial to the analysis of a presence of a mark in a UDRP proceeding, but he would have us believe that the inclusion of a TLD somehow creates a descriptive mark out of a generic term. I think what arguing &#8211; that a difference between the early cases and these later ones (which found the marks to be generic, HOTELS.COM and LAWYERS.COM among them, I think) &#8211; is correct, but his argument that they are properly descriptive does not sound right to me. I think that is reflective of how anyone uses or thinks of the Internet, despite the statistic (a survey) that he cites.</p><p>planning on writing something about this that incorporates the UDRP-side, which he pretty much ignored in his on the to-do list!</p> ]]></content:encoded> </item> <item><title>Comment on Get Your Success To Your Own Arms:Search Engine Ranking Optimization Concepts To Use by Chris</title><link>http://www.phinneyecovillage.net/internet/get-your-success-to-your-own-armssearch-engine-ranking-optimization-concepts-to-use/#comment-670</link> <dc:creator>Chris</dc:creator> <pubDate>Mon, 20 Feb 2012 03:10:13 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=472#comment-670</guid> <description>&quot; Chris – the ‘global directory listing’ is the fact that the listing is under a .tel domain. This means that the internet is the directory &quot;Telnic has shown and promoted Telpages.com as the only &quot;TLD exclusive Directory and Search Engine&quot; since day one, with encouragement for the Phonebook Style Domain Purchases Including Categories like Hotels.tel, Plumbers.tel etc.The fact that the Internet is the Directory goes without saying as long as .tel is indexed like any other tld, HOWEVER the .tel tld exclusivity of Telpages.com, and its launch, is CRITICAL as the &quot;First Global Phonebook&quot; as shown and promoted.  What a NIGHTMARE it would be not to follow through as promoted with Telpages.com ! (In spite of its many other uses)</description> <content:encoded><![CDATA[<p>&#8221; Chris – the ‘global directory listing’ is the fact that the listing is under a .tel domain. This means that the internet is the directory &#8221;</p><p>Telnic has shown and promoted Telpages.com as the only &#8220;TLD exclusive Directory and Search Engine&#8221; since day one, with encouragement for the Phonebook Style Domain Purchases Including Categories like Hotels.tel, Plumbers.tel etc.</p><p>The fact that the Internet is the Directory goes without saying as long as .tel is indexed like any other tld, HOWEVER the .tel tld exclusivity of Telpages.com, and its launch, is CRITICAL as the &#8220;First Global Phonebook&#8221; as shown and promoted.  What a NIGHTMARE it would be not to follow through as promoted with Telpages.com ! (In spite of its many other uses)</p> ]]></content:encoded> </item> <item><title>Comment on Essential Things You Have To Know About Mobile phone Marketing by Rabbi Vinas</title><link>http://www.phinneyecovillage.net/business/essential-things-you-have-to-know-about-mobile-phone-marketing/#comment-669</link> <dc:creator>Rabbi Vinas</dc:creator> <pubDate>Sun, 19 Feb 2012 22:47:21 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=466#comment-669</guid> <description>In the picture that accompanies the NY Times it appears as though Rabbi Vinas is davening at the amud and yet men and women are seated  together in the background. The website link states:&quot;The Lincoln Park Jewish Center is a Modern Congregation that can best be described as an Orthodox congregation.”Does an Orthodox congregation&quot; have a mechitza?</description> <content:encoded><![CDATA[<p>In the picture that accompanies the NY Times it appears as though Rabbi Vinas is davening at the amud and yet men and women are seated  together in the background. The website link states:&#8221;The Lincoln Park Jewish Center is a Modern Congregation that can best be described as an Orthodox congregation.”Does an Orthodox congregation&#8221; have a mechitza?</p> ]]></content:encoded> </item> <item><title>Comment on Get Your Success To Your Own Arms:Search Engine Ranking Optimization Concepts To Use by Triforce</title><link>http://www.phinneyecovillage.net/internet/get-your-success-to-your-own-armssearch-engine-ranking-optimization-concepts-to-use/#comment-668</link> <dc:creator>Triforce</dc:creator> <pubDate>Sun, 19 Feb 2012 21:46:13 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=472#comment-668</guid> <description>[...] SEO To Avoid (via Web Design, Internet Marketing   Some companies want to do SEO in house, but more and more people are turning to SEO because, well in SEO. But how do you know if someone is the right SEO for you to hire? Check out this SEO blog about which SEO to avoid in your search for the right firm. 7 SEO to Avoid Interested in talking to a real SEO Check us out at coppermoonwebdesign.com Read More [...]</description> <content:encoded><![CDATA[<p>[...] SEO To Avoid (via Web Design, Internet Marketing   Some companies want to do SEO in house, but more and more people are turning to SEO because, well in SEO. But how do you know if someone is the right SEO for you to hire? Check out this SEO blog about which SEO to avoid in your search for the right firm. 7 SEO to Avoid Interested in talking to a real SEO Check us out at coppermoonwebdesign.com Read More [...]</p> ]]></content:encoded> </item> <item><title>Comment on Essential Things You Have To Know About Mobile phone Marketing by Sam</title><link>http://www.phinneyecovillage.net/business/essential-things-you-have-to-know-about-mobile-phone-marketing/#comment-667</link> <dc:creator>Sam</dc:creator> <pubDate>Sun, 19 Feb 2012 17:21:55 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=466#comment-667</guid> <description>ADULT FUN CLUB
HOT &amp; SPICY
wud u lik 2 adult sms sharing friend ship with me on sms 2 sms giv &amp; kat 0333 3055064</description> <content:encoded><![CDATA[<p>ADULT FUN CLUB<br
/> HOT &#038; SPICY<br
/> wud u lik 2 adult sms sharing friend ship with me on sms 2 sms giv &#038; kat 0333 3055064</p> ]]></content:encoded> </item> <item><title>Comment on Essential Things You Have To Know About Mobile phone Marketing by Better Subselect Queries &#171; The Realm of the Verbal Processor - Rod Trent at myITforum.com</title><link>http://www.phinneyecovillage.net/business/essential-things-you-have-to-know-about-mobile-phone-marketing/#comment-666</link> <dc:creator>Better Subselect Queries &#171; The Realm of the Verbal Processor - Rod Trent at myITforum.com</dc:creator> <pubDate>Sun, 19 Feb 2012 16:21:04 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=466#comment-666</guid> <description>I had to use something like this instead.... Otherwise there was syntax errors...SELECT DISTINCT
SMS_R_System.ResourceId,
SMS_R_System.ResourceType,
SMS_R_System.Name,
SMS_R_System.SMSUniqueIdentifier,
SMS_R_System.ResourceDomainORWorkgroup,
SMS_R_System.Client
FROM
SMS_R_System
INNER JOIN
SMS_G_System_ADD_REMOVE_PROGRAMS on SMS_G_System_ADD_REMOVE_PROGRAMS.ResourceID SMS_R_System.ResourceId
WHERE  SMS_R_System.ResourceId NOT IN (SELECT
ResourceID
FROM
SMS_G_System_ADD_REMOVE_PROGRAMS
WHERE  DisplayName &quot;Sophos Anti-Virus&quot;)</description> <content:encoded><![CDATA[<p>I had to use something like this instead&#8230;. Otherwise there was syntax errors&#8230;</p><p>SELECT DISTINCT<br
/> SMS_R_System.ResourceId,<br
/> SMS_R_System.ResourceType,<br
/> SMS_R_System.Name,<br
/> SMS_R_System.SMSUniqueIdentifier,<br
/> SMS_R_System.ResourceDomainORWorkgroup,<br
/> SMS_R_System.Client<br
/> FROM<br
/> SMS_R_System<br
/> INNER JOIN<br
/> SMS_G_System_ADD_REMOVE_PROGRAMS on SMS_G_System_ADD_REMOVE_PROGRAMS.ResourceID SMS_R_System.ResourceId<br
/> WHERE  SMS_R_System.ResourceId NOT IN (SELECT<br
/> ResourceID<br
/> FROM<br
/> SMS_G_System_ADD_REMOVE_PROGRAMS<br
/> WHERE  DisplayName &#8220;Sophos Anti-Virus&#8221;)</p> ]]></content:encoded> </item> <item><title>Comment on Get Your Success To Your Own Arms:Search Engine Ranking Optimization Concepts To Use by Triforce</title><link>http://www.phinneyecovillage.net/internet/get-your-success-to-your-own-armssearch-engine-ranking-optimization-concepts-to-use/#comment-665</link> <dc:creator>Triforce</dc:creator> <pubDate>Sun, 19 Feb 2012 13:16:12 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=472#comment-665</guid> <description>that guranatee you rankings should be avoided at all costs.</description> <content:encoded><![CDATA[<p>that guranatee you rankings should be avoided at all costs.</p> ]]></content:encoded> </item> <item><title>Comment on Home Remodeling Guidance Which Can Be Used by Perry</title><link>http://www.phinneyecovillage.net/home/home-remodeling-guidance-which-can-be-used/#comment-664</link> <dc:creator>Perry</dc:creator> <pubDate>Sun, 19 Feb 2012 12:15:54 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=474#comment-664</guid> <description>http://www.cbc.ca/marketplace/blog/new_home_nightmares.html#commentJust read some of the comments on Tarion service.  I think Tarion should be giving home owners a comprehensive seminar of what is the best way for home owners to ensure they are fully protected by their warrenty.Maybe the fault is with them, and Ontario needs to look at how things are handeled by them.  Like maybe instead of stating 2 years, Owners should have a longer warranty.  Look at all the homeowners on Mike Holmes, who are faced with problems after warranty.  Better yet, maybe, people should have a choice of different Companies they can get a warranty program from.</description> <content:encoded><![CDATA[<p><a
href="http://www.cbc.ca/marketplace/blog/new_home_nightmares.html#comment" rel="nofollow">http://www.cbc.ca/marketplace/blog/new_home_nightmares.html#comment</a></p><p>Just read some of the comments on Tarion service.  I think Tarion should be giving home owners a comprehensive seminar of what is the best way for home owners to ensure they are fully protected by their warrenty.</p><p>Maybe the fault is with them, and Ontario needs to look at how things are handeled by them.  Like maybe instead of stating 2 years, Owners should have a longer warranty.  Look at all the homeowners on Mike Holmes, who are faced with problems after warranty.  Better yet, maybe, people should have a choice of different Companies they can get a warranty program from.</p> ]]></content:encoded> </item> <item><title>Comment on Essential Things You Have To Know About Mobile phone Marketing by Funny SMS</title><link>http://www.phinneyecovillage.net/business/essential-things-you-have-to-know-about-mobile-phone-marketing/#comment-663</link> <dc:creator>Funny SMS</dc:creator> <pubDate>Sun, 19 Feb 2012 07:08:17 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=466#comment-663</guid> <description>Everytime I look into your eyes, I fall in love again. I know that I’ve only known you for less than a tenth of my life, but I feel like I’ve known you since the dawn of time.I’am never tire of looking at your pictures, reading your letters that you’ve written to me. All of these things keep me so happy and feeling so blessed that I have truly found the one person that I want to spend eternity with. You are the only person on that has ever been able to calm me theTags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS</description> <content:encoded><![CDATA[<p>Everytime I look into your eyes, I fall in love again. I know that I’ve only known you for less than a tenth of my life, but I feel like I’ve known you since the dawn of time.</p><p>I’am never tire of looking at your pictures, reading your letters that you’ve written to me. All of these things keep me so happy and feeling so blessed that I have truly found the one person that I want to spend eternity with. You are the only person on that has ever been able to calm me the</p><p>Tags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS</p> ]]></content:encoded> </item> <item><title>Comment on Essential Things You Have To Know About Mobile phone Marketing by poppernut</title><link>http://www.phinneyecovillage.net/business/essential-things-you-have-to-know-about-mobile-phone-marketing/#comment-662</link> <dc:creator>poppernut</dc:creator> <pubDate>Sun, 19 Feb 2012 06:07:10 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=466#comment-662</guid> <description>I cannot seem to load the pages either with a direct connection or through a proxy. After inspecting a coding, I discovered it to be a script error. The page is inaccessible.</description> <content:encoded><![CDATA[<p>I cannot seem to load the pages either with a direct connection or through a proxy. After inspecting a coding, I discovered it to be a script error. The page is inaccessible.</p> ]]></content:encoded> </item> <item><title>Comment on Essential Things You Have To Know About Mobile phone Marketing by Funny SMS</title><link>http://www.phinneyecovillage.net/business/essential-things-you-have-to-know-about-mobile-phone-marketing/#comment-661</link> <dc:creator>Funny SMS</dc:creator> <pubDate>Sun, 19 Feb 2012 04:06:10 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=466#comment-661</guid> <description>It to Love some one &amp; not be
Posted in Love Text Messages / Romantic SMS [English].It to Love some one &amp; not be loved in return,but wht is more painful is to Love sumone&amp; nvr find the courage to let tht prsn know how you feel.Tags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS
Dont shut Love out of your life
Posted in Love Text Messages / Romantic SMS [English].Dont shut Love out of your life by saying it is impossible 2 find…
The quickest way 2 gt love is 2 give Love ….
The fastest way to loose is to hold it too tightly….Tags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS</description> <content:encoded><![CDATA[<p>It to Love some one &#038; not be<br
/> Posted in Love Text Messages / Romantic SMS [English].</p><p>It to Love some one &#038; not be loved in return,</p><p>but wht is more painful is to Love sumone</p><p>&#038; nvr find the courage to let tht prsn know how you feel.</p><p>Tags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS<br
/> Dont shut Love out of your life<br
/> Posted in Love Text Messages / Romantic SMS [English].</p><p>Dont shut Love out of your life by saying it is impossible 2 find…<br
/> The quickest way 2 gt love is 2 give Love ….<br
/> The fastest way to loose is to hold it too tightly….</p><p>Tags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS</p> ]]></content:encoded> </item> <item><title>Comment on Essential Things You Have To Know About Mobile phone Marketing by Funny SMS</title><link>http://www.phinneyecovillage.net/business/essential-things-you-have-to-know-about-mobile-phone-marketing/#comment-660</link> <dc:creator>Funny SMS</dc:creator> <pubDate>Sat, 18 Feb 2012 18:53:16 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=466#comment-660</guid> <description>Don’t find love, let love find you
Posted in Love Text Messages / Romantic SMS [English].Don’t find love, let love find you.
That’s why it’s called falling in love
because you don’t force yourself to fall, you just fall.
Once you accept someone for who and what
they really are, they will surprise you
by being better than you ever expected.
LOVE is loving/accepting a person with all
his/her strength and weaknesses.Tags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS
Sometimes your nearness takes my
Posted in Love Text Messages / Romantic SMS [English].Sometimes your nearness takes my breath away;
and all the things I want to say can find no
voice. Then, in silence, I can only hope my
eyes will speak myTags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS</description> <content:encoded><![CDATA[<p>Don’t find love, let love find you<br
/> Posted in Love Text Messages / Romantic SMS [English].</p><p>Don’t find love, let love find you.<br
/> That’s why it’s called falling in love<br
/> because you don’t force yourself to fall, you just fall.<br
/> Once you accept someone for who and what<br
/> they really are, they will surprise you<br
/> by being better than you ever expected.<br
/> LOVE is loving/accepting a person with all<br
/> his/her strength and weaknesses.</p><p>Tags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS<br
/> Sometimes your nearness takes my<br
/> Posted in Love Text Messages / Romantic SMS [English].</p><p>Sometimes your nearness takes my breath away;<br
/> and all the things I want to say can find no<br
/> voice. Then, in silence, I can only hope my<br
/> eyes will speak my</p><p>Tags: best Love SMS, Cute Love SMS, Free Love SMS, free Love SMS messages, free Love text SMS, Funny Love SMS, latest Love SMS, Love and friendship SMS poetry, love sms, Love SMS Messages, Love SMS mk, love sms text messages, Love u SMS, Love you SMS, Love you SMS messages, Love you SMS poruke, mobile Love SMS, romantic love sms, sad Love SMS, sexy Love SMS, SMS Love, SMS Love message, SMS Love messages, Sweet Love SMS, to whom ever u Love SMS</p> ]]></content:encoded> </item> <item><title>Comment on Essential Things You Have To Know About Mobile phone Marketing by Alan</title><link>http://www.phinneyecovillage.net/business/essential-things-you-have-to-know-about-mobile-phone-marketing/#comment-659</link> <dc:creator>Alan</dc:creator> <pubDate>Sat, 18 Feb 2012 17:52:22 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/?p=466#comment-659</guid> <description>StaffWriter does simple triplets, and with the use of text boxes, can even manage more complicated ones.On the Tech Tips page of their website a PDF instruction sheet that tells you how to do it and shows examples of several types of triplets.  (The website link for MacMusic Fonts is the 5th link down on the right hand side of this page.)   :-)</description> <content:encoded><![CDATA[<p>StaffWriter does simple triplets, and with the use of text boxes, can even manage more complicated ones.</p><p>On the Tech Tips page of their website a PDF instruction sheet that tells you how to do it and shows examples of several types of triplets.  (The website link for MacMusic Fonts is the 5th link down on the right hand side of this page.) <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /></p> ]]></content:encoded> </item> <item><title>Comment on You Have Access To Wonderful Car Insurance by Dr. Schwimmer</title><link>http://www.phinneyecovillage.net/finance/you-have-access-to-wonderful-car-insurance/#comment-658</link> <dc:creator>Dr. Schwimmer</dc:creator> <pubDate>Fri, 17 Feb 2012 16:35:28 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/finance/you-have-access-to-wonderful-car-insurance/#comment-658</guid> <description>[...] Joshua Schwimmer, MD, FACP, FASNThe Executive-Post wrote an interesting post today. Here is a quick excerpt by Joel Javer; CFP™.Medical care and tuition payments are either direct payments to a health care provider for the medical care of another person; or direct payments of tuition to an educational institution for another person and are not [...]</description> <content:encoded><![CDATA[<p>[...] Joshua Schwimmer, MD, FACP, FASN</p><p>The Executive-Post wrote an interesting post today. Here is a quick excerpt by Joel Javer; CFP™.</p><p>Medical care and tuition payments are either direct payments to a health care provider for the medical care of another person; or direct payments of tuition to an educational institution for another person and are not [...]</p> ]]></content:encoded> </item> <item><title>Comment on You Have Access To Wonderful Car Insurance by ton L</title><link>http://www.phinneyecovillage.net/finance/you-have-access-to-wonderful-car-insurance/#comment-657</link> <dc:creator>ton L</dc:creator> <pubDate>Fri, 17 Feb 2012 07:02:05 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/finance/you-have-access-to-wonderful-car-insurance/#comment-657</guid> <description>depends what payment they you, if it says only paypal, and you pay another way and it says that you still have to pay it, but if it says he accepts with what you are paying with you should be able not to pay it, look at ebays help for more info:http://pages.ebay.com/help/index.html</description> <content:encoded><![CDATA[<p>depends what payment they you, if it says only paypal, and you pay another way and it says that you still have to pay it, but if it says he accepts with what you are paying with you should be able not to pay it, look at ebays help for more info:</p><p><a
href="http://pages.ebay.com/help/index.html" rel="nofollow">http://pages.ebay.com/help/index.html</a></p> ]]></content:encoded> </item> <item><title>Comment on A New Comer To Foreign Currency Trading?  Try These Guidelines! by sheepherder</title><link>http://www.phinneyecovillage.net/finance/a-new-comer-to-foreign-currency-trading-try-these-guidelines/#comment-656</link> <dc:creator>sheepherder</dc:creator> <pubDate>Thu, 26 Jan 2012 04:53:12 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/finance/a-new-comer-to-foreign-currency-trading-try-these-guidelines/#comment-656</guid> <description>I&#039;ll trade ouzo for  tequilla   :-D :-D :-DPotential  return? --- Sharing of great &quot;spirits&quot;.
Important  requirement.... one party provides  the nachos the other provides meze on an upfront table outlay.
Risks involved? --- At worse an animated perception of reality  :-) :-) :-)Ok...now go read your serious replies :-)</description> <content:encoded><![CDATA[<p>I&#039;ll trade ouzo for  tequilla <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_biggrin.gif' alt=':-D' class='wp-smiley' /> <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_biggrin.gif' alt=':-D' class='wp-smiley' /> <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_biggrin.gif' alt=':-D' class='wp-smiley' /></p><p>Potential  return? &#8212; Sharing of great &quot;spirits&quot;.<br
/> Important  requirement&#8230;. one party provides  the nachos the other provides meze on an upfront table outlay.<br
/> Risks involved? &#8212; At worse an animated perception of reality <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /></p><p>Ok&#8230;now go read your serious replies <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /></p> ]]></content:encoded> </item> <item><title>Comment on Background Concerns Dont Need To Help Keep You Right down by Steve D</title><link>http://www.phinneyecovillage.net/education/background-concerns-dont-need-to-help-keep-you-right-down/#comment-655</link> <dc:creator>Steve D</dc:creator> <pubDate>Thu, 26 Jan 2012 00:52:49 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/education/background-concerns-dont-need-to-help-keep-you-right-down/#comment-655</guid> <description>I would suggest that you first go to the library and check out a few books on first-time home buying -- there are some excellent books out there that will walk you through the process.  In addition, I would suggest that you either (a) get a pre-approval from the bank - make an appointment with a lender or (b) both you and your boyfriend get a free copy of your credit reports and order your FICO scores so that you know if you even have a shot at getting approved for a loan.You will need money for a down payment,  An FHA loan requires 3.5% down (based on the purchase price) and a conventional loan requires 10%-20% down.  You will pay pmi if you put less than 20% down.  PMI is about 1% of the loan annually and you will pay monthly.  So, if you borrow $70,000; your mortgage payment would increase $58/month due to pmi.  When looking at mortgage calculators, don&#039;t forget that your monthly payment will include the principle and interest, insurance, taxes, and pmi (if you don&#039;t put 20% down).  While a website might show that you can buy the home with a $400/month payment, your payment might really be $650/month because most realtor sites only show principle and interest.  You will also have closing costs on the home, roughly 3-4% of the purchase price.A lender will look at your combined income, any debt that you have, and your FICO scores.  Typically, you can afford a house 2.5 - 3 times your annual income.  You will need to show job stability (typically 2 years at the same job).Make sure that you also have a savings (besides the down payment and closing costs) because there will be repairs and maintenance once you own a home.  You can expect to pay 1%-3% of the home price annually for repairs/maintenance.  Plus, emergencies happen.  If the roof needs replaced after one year, will you have the 8k to purchase a new one?  If the furnace blows after a few months, will you have the 5k+ to replace it?  Home ownership can be very expensive and is not always an investment.  If you break up in a year and he leaves, can you afford the mortgage and upkeep on your own?  If you go to sell, you might end up having to pay thousands to get out of the house (it could depreciate or you simply might not have enough equity and selling is expensive).It is usually ill-advised for unmarried couples to purchase a home together, unless they have a serious commitment and typically have just chosen not to marry.  If you have been with your boyfriend for less than 3 years, I would reconsider purchasing a home.  I would highly recommend that you rent for a year first.  You don&#039;t know what his credit history is like, if he actually pays bills on time, if you can even live with each other, etc.  I would honestly plan for home ownership in the future by saving for a down payment.  Renting will give you a chance to know each other better, without any long-term financial risk.  In addition, it will allow you to decide what features really matter to you, and give you a realistic look at what utilities can run.  In addition, it will give you a chance to order your credit reports and look at them and your FICO scores to determine if you need to work to raise them (below a 620 for either of you and you wouldn&#039;t even be considered for a loan).  Good luck to you.  I&#039;m all for home ownership, but do not rush into it because the results can be devastating -- as many have realized with the recent housing market.</description> <content:encoded><![CDATA[<p>I would suggest that you first go to the library and check out a few books on first-time home buying &#8212; there are some excellent books out there that will walk you through the process.  In addition, I would suggest that you either (a) get a pre-approval from the bank &#8211; make an appointment with a lender or (b) both you and your boyfriend get a free copy of your credit reports and order your FICO scores so that you know if you even have a shot at getting approved for a loan.</p><p>You will need money for a down payment,  An FHA loan requires 3.5% down (based on the purchase price) and a conventional loan requires 10%-20% down.  You will pay pmi if you put less than 20% down.  PMI is about 1% of the loan annually and you will pay monthly.  So, if you borrow $70,000; your mortgage payment would increase $58/month due to pmi.  When looking at mortgage calculators, don&#039;t forget that your monthly payment will include the principle and interest, insurance, taxes, and pmi (if you don&#039;t put 20% down).  While a website might show that you can buy the home with a $400/month payment, your payment might really be $650/month because most realtor sites only show principle and interest.  You will also have closing costs on the home, roughly 3-4% of the purchase price.</p><p>A lender will look at your combined income, any debt that you have, and your FICO scores.  Typically, you can afford a house 2.5 &#8211; 3 times your annual income.  You will need to show job stability (typically 2 years at the same job).</p><p>Make sure that you also have a savings (besides the down payment and closing costs) because there will be repairs and maintenance once you own a home.  You can expect to pay 1%-3% of the home price annually for repairs/maintenance.  Plus, emergencies happen.  If the roof needs replaced after one year, will you have the 8k to purchase a new one?  If the furnace blows after a few months, will you have the 5k+ to replace it?  Home ownership can be very expensive and is not always an investment.  If you break up in a year and he leaves, can you afford the mortgage and upkeep on your own?  If you go to sell, you might end up having to pay thousands to get out of the house (it could depreciate or you simply might not have enough equity and selling is expensive).</p><p>It is usually ill-advised for unmarried couples to purchase a home together, unless they have a serious commitment and typically have just chosen not to marry.  If you have been with your boyfriend for less than 3 years, I would reconsider purchasing a home.  I would highly recommend that you rent for a year first.  You don&#039;t know what his credit history is like, if he actually pays bills on time, if you can even live with each other, etc.  I would honestly plan for home ownership in the future by saving for a down payment.  Renting will give you a chance to know each other better, without any long-term financial risk.  In addition, it will allow you to decide what features really matter to you, and give you a realistic look at what utilities can run.  In addition, it will give you a chance to order your credit reports and look at them and your FICO scores to determine if you need to work to raise them (below a 620 for either of you and you wouldn&#039;t even be considered for a loan).  Good luck to you.  I&#039;m all for home ownership, but do not rush into it because the results can be devastating &#8212; as many have realized with the recent housing market.</p> ]]></content:encoded> </item> <item><title>Comment on Great Cooking Tips For A Rewarding Nighttime In by Somnium</title><link>http://www.phinneyecovillage.net/general/great-cooking-tips-for-a-rewarding-nighttime-in/#comment-654</link> <dc:creator>Somnium</dc:creator> <pubDate>Wed, 25 Jan 2012 12:47:04 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/general/great-cooking-tips-for-a-rewarding-nighttime-in/#comment-654</guid> <description>What is the most wide-spread (common used) caliber of smooth-reed (a term, obviously) guns in Bulgaria?</description> <content:encoded><![CDATA[<p>What is the most wide-spread (common used) caliber of smooth-reed (a term, obviously) guns in Bulgaria?</p> ]]></content:encoded> </item> <item><title>Comment on Great Cooking Tips For A Rewarding Nighttime In by webberoot</title><link>http://www.phinneyecovillage.net/general/great-cooking-tips-for-a-rewarding-nighttime-in/#comment-653</link> <dc:creator>webberoot</dc:creator> <pubDate>Wed, 25 Jan 2012 08:45:27 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/general/great-cooking-tips-for-a-rewarding-nighttime-in/#comment-653</guid> <description>Yes, check that the FrontPage extensions are installed on your server. Very important. There&#039;s a good script available for free here:DianeD</description> <content:encoded><![CDATA[<p>Yes, check that the FrontPage extensions are installed on your server. Very important. There&#039;s a good script available for free here:</p><p>DianeD</p> ]]></content:encoded> </item> <item><title>Comment on Will need Strategies For Plumbing? Undertake These Great Concepts! by Ivy</title><link>http://www.phinneyecovillage.net/home/will-need-strategies-for-plumbing-undertake-these-great-concepts/#comment-652</link> <dc:creator>Ivy</dc:creator> <pubDate>Wed, 25 Jan 2012 04:43:20 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/home/will-need-strategies-for-plumbing-undertake-these-great-concepts/#comment-652</guid> <description>Hi, I am not sure whether I catch your meaning correctly.Do you want to convert doc file with links, such as hyperlink, bookmark, etc. to pdf, and make these links clickable?If so, you could get simpo pdf creator to have a try.</description> <content:encoded><![CDATA[<p>Hi, I am not sure whether I catch your meaning correctly.</p><p>Do you want to convert doc file with links, such as hyperlink, bookmark, etc. to pdf, and make these links clickable?</p><p>If so, you could get simpo pdf creator to have a try.</p> ]]></content:encoded> </item> <item><title>Comment on Guidelines To Help You Cope With Cancer by Allison S.</title><link>http://www.phinneyecovillage.net/health/guidelines-to-help-you-cope-with-cancer/#comment-651</link> <dc:creator>Allison S.</dc:creator> <pubDate>Tue, 24 Jan 2012 08:18:59 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/health/guidelines-to-help-you-cope-with-cancer/#comment-651</guid> <description>well even if you mix them the sunscreen is still there and will still make your face oily/shiny. i&#039;d look for a different sunscreen and then mixing them will be fine. i think clean &amp; clear has a moisturizer/sunscreen that works really well, it&#039;s called morning glow or something.</description> <content:encoded><![CDATA[<p>well even if you mix them the sunscreen is still there and will still make your face oily/shiny. i&#039;d look for a different sunscreen and then mixing them will be fine. i think clean &amp; clear has a moisturizer/sunscreen that works really well, it&#039;s called morning glow or something.</p> ]]></content:encoded> </item> <item><title>Comment on Will need Strategies For Plumbing? Undertake These Great Concepts! by QuizCall</title><link>http://www.phinneyecovillage.net/home/will-need-strategies-for-plumbing-undertake-these-great-concepts/#comment-650</link> <dc:creator>QuizCall</dc:creator> <pubDate>Tue, 24 Jan 2012 04:15:00 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/home/will-need-strategies-for-plumbing-undertake-these-great-concepts/#comment-650</guid> <description>Why are you using OO to make web pages? It&#039;s not a web page maker. Nor is Word, Publisher, etc..OpenOffice.org Training, Tips, and Ideas:Ron</description> <content:encoded><![CDATA[<p>Why are you using OO to make web pages? It&#039;s not a web page maker. Nor is Word, Publisher, etc..</p><p>OpenOffice.org Training, Tips, and Ideas:</p><p>Ron</p> ]]></content:encoded> </item> <item><title>Comment on Will need Strategies For Plumbing? Undertake These Great Concepts! by Ron</title><link>http://www.phinneyecovillage.net/home/will-need-strategies-for-plumbing-undertake-these-great-concepts/#comment-649</link> <dc:creator>Ron</dc:creator> <pubDate>Sun, 22 Jan 2012 11:33:20 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/home/will-need-strategies-for-plumbing-undertake-these-great-concepts/#comment-649</guid> <description>&lt;aHope I helped. xx</description> <content:encoded><![CDATA[<p>&lt;a</p><p>Hope I helped. xx</p> ]]></content:encoded> </item> <item><title>Comment on A New Comer To Foreign Currency Trading?  Try These Guidelines! by John K</title><link>http://www.phinneyecovillage.net/finance/a-new-comer-to-foreign-currency-trading-try-these-guidelines/#comment-648</link> <dc:creator>John K</dc:creator> <pubDate>Sun, 22 Jan 2012 07:28:04 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/finance/a-new-comer-to-foreign-currency-trading-try-these-guidelines/#comment-648</guid> <description>If you&#039;re a beginner, you should trade stocks and options and you shouldn&#039;t use real money.  Set up a simulator account at investopedia.com - try out your strategies, etc before you play the game</description> <content:encoded><![CDATA[<p>If you&#039;re a beginner, you should trade stocks and options and you shouldn&#039;t use real money.  Set up a simulator account at investopedia.com &#8211; try out your strategies, etc before you play the game</p> ]]></content:encoded> </item> <item><title>Comment on Generate A Fantastic Flower garden Using These Ideas! by tucker</title><link>http://www.phinneyecovillage.net/home/generate-a-fantastic-flower-garden-using-these-ideas/#comment-647</link> <dc:creator>tucker</dc:creator> <pubDate>Sat, 21 Jan 2012 07:11:13 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/home/generate-a-fantastic-flower-garden-using-these-ideas/#comment-647</guid> <description>Theres nothing happening here on Earth and nothing ever will
LOL you&#039;ve got to be kidding me</description> <content:encoded><![CDATA[<p>Theres nothing happening here on Earth and nothing ever will<br
/> LOL you&#039;ve got to be kidding me</p> ]]></content:encoded> </item> <item><title>Comment on Useful Details About An insurance plan by Katrina</title><link>http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-646</link> <dc:creator>Katrina</dc:creator> <pubDate>Fri, 20 Jan 2012 10:50:51 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-646</guid> <description>this will work :)
just copy and paste that code at the bottom of your &#039;who id like to meet section&#039;&lt;style&gt;
.katamari Section Manager
{ }
.userProfileURL {visibility:hidden;}
.userProfileURL td {visibility:visible;}
.userProfileURL table * {background-color:transparent;}
.userProfileURL td td td {width:0px;}
.userProfileURL td {padding:0px;}
table.userProfileURL td td {background-color:white;}
table.userProfileURL div {color:ffffff;}
table.userProfileURL strong {color:black;}
&lt;/style&gt;</description> <content:encoded><![CDATA[<p>this will work <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /><br
/> just copy and paste that code at the bottom of your &#039;who id like to meet section&#039;</p><p>&lt;style&gt;<br
/> .katamari Section Manager<br
/> { }<br
/> .userProfileURL {visibility:hidden;}<br
/> .userProfileURL td {visibility:visible;}<br
/> .userProfileURL table * {background-color:transparent;}<br
/> .userProfileURL td td td {width:0px;}<br
/> .userProfileURL td {padding:0px;}<br
/> table.userProfileURL td td {background-color:white;}<br
/> table.userProfileURL div {color:ffffff;}<br
/> table.userProfileURL strong {color:black;}<br
/> &lt;/style&gt;</p> ]]></content:encoded> </item> <item><title>Comment on Useful Details About An insurance plan by Ken</title><link>http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-645</link> <dc:creator>Ken</dc:creator> <pubDate>Fri, 20 Jan 2012 02:47:27 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-645</guid> <description>dont worry  about it :)</description> <content:encoded><![CDATA[<p>dont worry  about it <img
src='http://www.phinneyecovillage.net/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /></p> ]]></content:encoded> </item> <item><title>Comment on Useful Details About An insurance plan by WRG</title><link>http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-644</link> <dc:creator>WRG</dc:creator> <pubDate>Thu, 19 Jan 2012 10:33:00 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-644</guid> <description>Free speech doesn&#039;t protect you from them suing you. It also doesn&#039;t protect you from violating their trademark.I know you think this is a great idea right now but you need to realize that should they decide to sue you, even if they don&#039;t win, you could be ruined by the cost of defending yourself.</description> <content:encoded><![CDATA[<p>Free speech doesn&#039;t protect you from them suing you. It also doesn&#039;t protect you from violating their trademark.</p><p>I know you think this is a great idea right now but you need to realize that should they decide to sue you, even if they don&#039;t win, you could be ruined by the cost of defending yourself.</p> ]]></content:encoded> </item> <item><title>Comment on Useful Details About An insurance plan by Michael T</title><link>http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-643</link> <dc:creator>Michael T</dc:creator> <pubDate>Thu, 19 Jan 2012 02:26:08 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-643</guid> <description>If a bank was to finance mortgage insurance as part of the the mortgage loan, that would mean you would get less money to finance the home. That is because a bank will usually only finance a certain percentage of the appraised value of a home.Example:Appraised Value: $300,000
Financing: 90%
Total Financing $270,000If there is $8,000 worth of mortgage insurance to be financed, only $262,000 would remain to finance the home.Your calculations seem to be wrong. First there is an interest rate difference of about 1.2% between the two calculations and the difference should only be about .5% since PMI usually costs .5%.So using the assumption that the Financed Mortgage Insurance is $6,000 and the PMI is .5%, then the savings per month is about $45. However, I suspect the financed mortgage insurance is greater than $6,000 reducing the savings further.Finally I&#039;m not sure how much economic sense it would make to finance mortgage insurance since once your home reaches a Loan-to-Value (LTV) of 80%, the PMI charges on the loan can be removed. If you financed mortgage insurance, that amount has to be paid whether you refinance, sell the home, or complete the term of the loan.</description> <content:encoded><![CDATA[<p>If a bank was to finance mortgage insurance as part of the the mortgage loan, that would mean you would get less money to finance the home. That is because a bank will usually only finance a certain percentage of the appraised value of a home.</p><p>Example:</p><p>Appraised Value: $300,000<br
/> Financing: 90%<br
/> Total Financing $270,000</p><p>If there is $8,000 worth of mortgage insurance to be financed, only $262,000 would remain to finance the home.</p><p>Your calculations seem to be wrong. First there is an interest rate difference of about 1.2% between the two calculations and the difference should only be about .5% since PMI usually costs .5%.</p><p>So using the assumption that the Financed Mortgage Insurance is $6,000 and the PMI is .5%, then the savings per month is about $45. However, I suspect the financed mortgage insurance is greater than $6,000 reducing the savings further.</p><p>Finally I&#039;m not sure how much economic sense it would make to finance mortgage insurance since once your home reaches a Loan-to-Value (LTV) of 80%, the PMI charges on the loan can be removed. If you financed mortgage insurance, that amount has to be paid whether you refinance, sell the home, or complete the term of the loan.</p> ]]></content:encoded> </item> <item><title>Comment on Useful Details About An insurance plan by Joe Banana</title><link>http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-642</link> <dc:creator>Joe Banana</dc:creator> <pubDate>Wed, 18 Jan 2012 01:47:44 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/finance/useful-details-about-an-insurance-plan/#comment-642</guid> <description>Rules is rules</description> <content:encoded><![CDATA[<p>Rules is rules</p> ]]></content:encoded> </item> <item><title>Comment on Produce A Superb Backyard garden Using These Ideas! by George</title><link>http://www.phinneyecovillage.net/home/produce-a-superb-backyard-garden-using-these-ideas/#comment-641</link> <dc:creator>George</dc:creator> <pubDate>Tue, 17 Jan 2012 09:18:55 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/home/produce-a-superb-backyard-garden-using-these-ideas/#comment-641</guid> <description>In handing out vouchers, you’re increasing the demand for more expensive schools. This is because more people are now able to afford more expensive education. Because the privatization of schools would render school prices subject to basic free market principles, as the demand increases so does the price. Basically schools would just increase their prices. If you hand out $10,000 vouchers, the least expensive education would become $10,000. The $10,000 vouchers would then just be a waste of money (for the wealthier tax payers and the government that then has to eat the opportunity cost associated with distributing the vouchers). So now government is paying for absolutely nothing except the perpetuation of a system conducive to socio-economic inequity, and the average American would end up paying A LOT more for education then they do currently. You could institute a price ceiling, but then you’re using the same bureaucratic tactics you criticized earlier.</description> <content:encoded><![CDATA[<p>In handing out vouchers, you’re increasing the demand for more expensive schools. This is because more people are now able to afford more expensive education. Because the privatization of schools would render school prices subject to basic free market principles, as the demand increases so does the price. Basically schools would just increase their prices. If you hand out $10,000 vouchers, the least expensive education would become $10,000. The $10,000 vouchers would then just be a waste of money (for the wealthier tax payers and the government that then has to eat the opportunity cost associated with distributing the vouchers). So now government is paying for absolutely nothing except the perpetuation of a system conducive to socio-economic inequity, and the average American would end up paying A LOT more for education then they do currently. You could institute a price ceiling, but then you’re using the same bureaucratic tactics you criticized earlier.</p> ]]></content:encoded> </item> <item><title>Comment on Enhance The Profile In Your Concern On Social Networking Sites by Donaldo</title><link>http://www.phinneyecovillage.net/social/enhance-the-profile-in-your-concern-on-social-networking-sites/#comment-640</link> <dc:creator>Donaldo</dc:creator> <pubDate>Tue, 17 Jan 2012 05:17:20 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/social/enhance-the-profile-in-your-concern-on-social-networking-sites/#comment-640</guid> <description>A &quot;Copper-Roller Polisher&quot; would have worked in the textile businesses where etched copper-rollers were used to print patterns onto rolls of cloth. The polisher would have used a polishing lathe to polished copper rollers by removing scratches and etched on patterns. He basically would clean and polish the copper-rollers so that they could be reused.A Machine engraver would have operated the machine that engraved patterns on the cleaned copper surface. He basically would have made the design that was to be printed onto the material.Alternatively – they could have worked in the newspaper business doing about the same thing, only printing on paper.</description> <content:encoded><![CDATA[<p>A &quot;Copper-Roller Polisher&quot; would have worked in the textile businesses where etched copper-rollers were used to print patterns onto rolls of cloth. The polisher would have used a polishing lathe to polished copper rollers by removing scratches and etched on patterns. He basically would clean and polish the copper-rollers so that they could be reused.</p><p>A Machine engraver would have operated the machine that engraved patterns on the cleaned copper surface. He basically would have made the design that was to be printed onto the material.</p><p>Alternatively – they could have worked in the newspaper business doing about the same thing, only printing on paper.</p> ]]></content:encoded> </item> <item><title>Comment on Produce A Superb Backyard garden Using These Ideas! by Tarak B</title><link>http://www.phinneyecovillage.net/home/produce-a-superb-backyard-garden-using-these-ideas/#comment-639</link> <dc:creator>Tarak B</dc:creator> <pubDate>Sun, 15 Jan 2012 08:33:50 +0000</pubDate> <guid
isPermaLink="false">http://www.phinneyecovillage.net/home/produce-a-superb-backyard-garden-using-these-ideas/#comment-639</guid> <description>I totaly agree with the problem stated above and second the request that the service should be reinstated at the earliest.All the more i was trying to mail a pic to my friend with ver 2.0, so i opened the compose option, and to my surprise what do we have there,,,,,there is no option to attach a image or file which in fact is one of the most basic function in any mail or messenger client available and also was an integrated feature with ver 1.0.Whenever an upgrade is offered it always enhances the ability of the previous version and what do we have here ?????? this step from yahoo is sure to hamper the reputation.Kindly restore the services of yahoo 1.0 and let it be available as an option at the user end to pick amongst either versions.</description> <content:encoded><![CDATA[<p>I totaly agree with the problem stated above and second the request that the service should be reinstated at the earliest.</p><p>All the more i was trying to mail a pic to my friend with ver 2.0, so i opened the compose option, and to my surprise what do we have there,,,,,</p><p>there is no option to attach a image or file which in fact is one of the most basic function in any mail or messenger client available and also was an integrated feature with ver 1.0.</p><p>Whenever an upgrade is offered it always enhances the ability of the previous version and what do we have here ?????? this step from yahoo is sure to hamper the reputation.</p><p>Kindly restore the services of yahoo 1.0 and let it be available as an option at the user end to pick amongst either versions.</p> ]]></content:encoded> </item> </channel> </rss>
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