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	<title>Voluntary Health &#38; Medical Care Blog of Barbara Hillary</title>
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	<link>http://www.barbarahillary.org</link>
	<description>Voluntary Health &#38; Medical Care Blog of Barbara Hillary</description>
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		<item>
		<title>What are all mortgages loans for first time buyer? What is the current interest rate on mortgages loan?</title>
		<link>http://www.barbarahillary.org/2010/09/03/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-97.html</link>
		<comments>http://www.barbarahillary.org/2010/09/03/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-97.html#comments</comments>
		<pubDate>Fri, 03 Sep 2010 14:34:16 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[everything]]></category>
		<category><![CDATA[experience]]></category>
		<category><![CDATA[federal mortgage]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[personal experience]]></category>
		<category><![CDATA[place]]></category>
		<category><![CDATA[time]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/09/03/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-97.html</guid>
		<description><![CDATA[I am looking for some personal experience from the first time buyer.
Where is the best place to get mortgages loan?
Is there a federal mortgage loan?
I am looking to buy in the next few months and I need some one to guide me on loan and everything about home buying for the first time.
Powered by Bookmarkify&#8482;]]></description>
			<content:encoded><![CDATA[<p>I am looking for some personal experience from the first time buyer.<br />
Where is the best place to get mortgages loan?</p>
<p>Is there a federal mortgage loan?<br />
I am looking to buy in the next few months and I need some one to guide me on loan and everything about home buying for the first time.</p>
<div class='bookmarkify'><a name='bookmarkify'></a><div class='linkbuttons'></div><div class='brand'><small><a href='http://www.gara.com/projects/bookmarkify'>Powered by Bookmarkify&trade;</a></small></div></div>]]></content:encoded>
			<wfw:commentRss>http://www.barbarahillary.org/2010/09/03/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-97.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a mortgage? how long does a mortgage take to payoff in the UK?</title>
		<link>http://www.barbarahillary.org/2010/09/03/what-is-a-mortgage-how-long-does-a-mortgage-take-to-payoff-in-the-uk-41.html</link>
		<comments>http://www.barbarahillary.org/2010/09/03/what-is-a-mortgage-how-long-does-a-mortgage-take-to-payoff-in-the-uk-41.html#comments</comments>
		<pubDate>Fri, 03 Sep 2010 09:58:40 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[cannot]]></category>
		<category><![CDATA[Identify]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage repayments]]></category>
		<category><![CDATA[offer]]></category>
		<category><![CDATA[United Kingdom]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/09/03/what-is-a-mortgage-how-long-does-a-mortgage-take-to-payoff-in-the-uk-41.html</guid>
		<description><![CDATA[What is a mortgage? How long is a typical mortgage? Identify the different types of mortgage on offer in the United Kingdom? If you cannot keep up with mortgage repayments what can happen?
Powered by Bookmarkify&#8482;]]></description>
			<content:encoded><![CDATA[<p>What is a mortgage? How long is a typical mortgage? Identify the different types of mortgage on offer in the United Kingdom? If you cannot keep up with mortgage repayments what can happen?</p>
<div class='bookmarkify'><a name='bookmarkify'></a><div class='linkbuttons'></div><div class='brand'><small><a href='http://www.gara.com/projects/bookmarkify'>Powered by Bookmarkify&trade;</a></small></div></div>]]></content:encoded>
			<wfw:commentRss>http://www.barbarahillary.org/2010/09/03/what-is-a-mortgage-how-long-does-a-mortgage-take-to-payoff-in-the-uk-41.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What can sending money possibly do to help the problem with polar bears?</title>
		<link>http://www.barbarahillary.org/2010/09/02/what-can-sending-money-possibly-do-to-help-the-problem-with-polar-bears-64.html</link>
		<comments>http://www.barbarahillary.org/2010/09/02/what-can-sending-money-possibly-do-to-help-the-problem-with-polar-bears-64.html#comments</comments>
		<pubDate>Thu, 02 Sep 2010 15:54:25 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[aren]]></category>
		<category><![CDATA[commercials]]></category>
		<category><![CDATA[global warming]]></category>
		<category><![CDATA[hummer]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[organization]]></category>
		<category><![CDATA[polar bears]]></category>
		<category><![CDATA[quot]]></category>
		<category><![CDATA[recycling]]></category>
		<category><![CDATA[sending money]]></category>
		<category><![CDATA[warming]]></category>
		<category><![CDATA[wildlife]]></category>
		<category><![CDATA[world]]></category>
		<category><![CDATA[world wildlife foundation]]></category>
		<category><![CDATA[WWF]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/09/02/what-can-sending-money-possibly-do-to-help-the-problem-with-polar-bears-64.html</guid>
		<description><![CDATA[There are these commercials all over TV, made by the organization WWF(world wildlife foundation) and they want us to send money to "help" these polar bears that are dying due to global warming. How can sending money possibly help with global warming?! Shouldn&#8217;t they be commercials for recycling or not driving a hummer or something [...]]]></description>
			<content:encoded><![CDATA[<p>There are these commercials all over TV, made by the organization WWF(world wildlife foundation) and they want us to send money to "help" these polar bears that are dying due to global warming. How can sending money possibly help with global warming?! Shouldn&#8217;t they be commercials for recycling or not driving a hummer or something that would really help? Aren&#8217;t we just paying for more useless commercials? How would we stop global warming by sending them money? They don&#8217;t elaborate on how we could help.</p>
<div class='bookmarkify'><a name='bookmarkify'></a><div class='linkbuttons'></div><div class='brand'><small><a href='http://www.gara.com/projects/bookmarkify'>Powered by Bookmarkify&trade;</a></small></div></div>]]></content:encoded>
			<wfw:commentRss>http://www.barbarahillary.org/2010/09/02/what-can-sending-money-possibly-do-to-help-the-problem-with-polar-bears-64.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What are all mortgages loans for first time buyer? What is the current interest rate on mortgages loan?</title>
		<link>http://www.barbarahillary.org/2010/09/02/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-96.html</link>
		<comments>http://www.barbarahillary.org/2010/09/02/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-96.html#comments</comments>
		<pubDate>Thu, 02 Sep 2010 12:01:26 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/09/02/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-96.html</guid>
		<description><![CDATA[I am looking for some personal experience from the first time buyer.
Where is the best place to get mortgages loan?
Is there a federal mortgage loan?
I am looking to buy in the next few months and I need some one to guide me on loan and everything about home buying for the first time.
Powered by Bookmarkify&#8482;]]></description>
			<content:encoded><![CDATA[<p>I am looking for some personal experience from the first time buyer.<br />
Where is the best place to get mortgages loan?</p>
<p>Is there a federal mortgage loan?<br />
I am looking to buy in the next few months and I need some one to guide me on loan and everything about home buying for the first time.</p>
<div class='bookmarkify'><a name='bookmarkify'></a><div class='linkbuttons'></div><div class='brand'><small><a href='http://www.gara.com/projects/bookmarkify'>Powered by Bookmarkify&trade;</a></small></div></div>]]></content:encoded>
			<wfw:commentRss>http://www.barbarahillary.org/2010/09/02/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-96.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How can unmarried people report home mortgage interest paid jointly?</title>
		<link>http://www.barbarahillary.org/2010/09/02/how-can-unmarried-people-report-home-mortgage-interest-paid-jointly-59.html</link>
		<comments>http://www.barbarahillary.org/2010/09/02/how-can-unmarried-people-report-home-mortgage-interest-paid-jointly-59.html#comments</comments>
		<pubDate>Thu, 02 Sep 2010 07:17:10 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[checking]]></category>
		<category><![CDATA[checking account]]></category>
		<category><![CDATA[deduction]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[Interest]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[joint checking]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage interest deduction]]></category>
		<category><![CDATA[person]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/09/02/how-can-unmarried-people-report-home-mortgage-interest-paid-jointly-59.html</guid>
		<description><![CDATA[I own a home in common with another person. We&#8217;re not married. We&#8217;re both named on the mortgage and we pay the mortgage out of a joint checking account, to which we both contribute and use for other various purposes. Can we split the mortgage interest deduction between us however we wish as long as [...]]]></description>
			<content:encoded><![CDATA[<p>I own a home in common with another person. We&#8217;re not married. We&#8217;re both named on the mortgage and we pay the mortgage out of a joint checking account, to which we both contribute and use for other various purposes. Can we split the mortgage interest deduction between us however we wish as long as we total up on our two returns to the total amount we jointly paid to the bank? Or must we use some kind of formula? How will the bank report this interest paid to the IRS?</p>
<div class='bookmarkify'><a name='bookmarkify'></a><div class='linkbuttons'></div><div class='brand'><small><a href='http://www.gara.com/projects/bookmarkify'>Powered by Bookmarkify&trade;</a></small></div></div>]]></content:encoded>
			<wfw:commentRss>http://www.barbarahillary.org/2010/09/02/how-can-unmarried-people-report-home-mortgage-interest-paid-jointly-59.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit cARD?</title>
		<link>http://www.barbarahillary.org/2010/09/01/credit-card-97.html</link>
		<comments>http://www.barbarahillary.org/2010/09/01/credit-card-97.html#comments</comments>
		<pubDate>Thu, 02 Sep 2010 01:36:23 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[atm]]></category>
		<category><![CDATA[bnk]]></category>
		<category><![CDATA[card]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[something]]></category>
		<category><![CDATA[store]]></category>
		<category><![CDATA[thnx]]></category>
		<category><![CDATA[use]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/09/01/credit-card-97.html</guid>
		<description><![CDATA[i just recently opened a bnk account. and i added money to my savings account. so that money that i put in there can i still use it with my card if i was to go to a store or something? or can only take money out from the atm? another ? i wanna ask [...]]]></description>
			<content:encoded><![CDATA[<p>i just recently opened a bnk account. and i added money to my savings account. so that money that i put in there can i still use it with my card if i was to go to a store or something? or can only take money out from the atm? another ? i wanna ask what is the diff. b/w credit and debit? thnx for the help</p>
<div class='bookmarkify'><a name='bookmarkify'></a><div class='linkbuttons'></div><div class='brand'><small><a href='http://www.gara.com/projects/bookmarkify'>Powered by Bookmarkify&trade;</a></small></div></div>]]></content:encoded>
			<wfw:commentRss>http://www.barbarahillary.org/2010/09/01/credit-card-97.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What are all mortgages loans for first time buyer? What is the current interest rate on mortgages loan?</title>
		<link>http://www.barbarahillary.org/2010/09/01/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-95.html</link>
		<comments>http://www.barbarahillary.org/2010/09/01/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-95.html#comments</comments>
		<pubDate>Wed, 01 Sep 2010 09:54:14 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[buyer]]></category>
		<category><![CDATA[everything]]></category>
		<category><![CDATA[experience]]></category>
		<category><![CDATA[federal mortgage]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[personal experience]]></category>
		<category><![CDATA[place]]></category>
		<category><![CDATA[time]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/09/01/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-95.html</guid>
		<description><![CDATA[I am looking for some personal experience from the first time buyer.
Where is the best place to get mortgages loan?
Is there a federal mortgage loan?
I am looking to buy in the next few months and I need some one to guide me on loan and everything about home buying for the first time.
Powered by Bookmarkify&#8482;]]></description>
			<content:encoded><![CDATA[<p>I am looking for some personal experience from the first time buyer.<br />
Where is the best place to get mortgages loan?</p>
<p>Is there a federal mortgage loan?<br />
I am looking to buy in the next few months and I need some one to guide me on loan and everything about home buying for the first time.</p>
<div class='bookmarkify'><a name='bookmarkify'></a><div class='linkbuttons'></div><div class='brand'><small><a href='http://www.gara.com/projects/bookmarkify'>Powered by Bookmarkify&trade;</a></small></div></div>]]></content:encoded>
			<wfw:commentRss>http://www.barbarahillary.org/2010/09/01/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-95.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How can unmarried people report home mortgage interest paid jointly?</title>
		<link>http://www.barbarahillary.org/2010/08/31/how-can-unmarried-people-report-home-mortgage-interest-paid-jointly-58.html</link>
		<comments>http://www.barbarahillary.org/2010/08/31/how-can-unmarried-people-report-home-mortgage-interest-paid-jointly-58.html#comments</comments>
		<pubDate>Wed, 01 Sep 2010 05:29:25 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[checking]]></category>
		<category><![CDATA[checking account]]></category>
		<category><![CDATA[deduction]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[Interest]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[joint checking]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage interest deduction]]></category>
		<category><![CDATA[person]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/08/31/how-can-unmarried-people-report-home-mortgage-interest-paid-jointly-58.html</guid>
		<description><![CDATA[I own a home in common with another person. We&#8217;re not married. We&#8217;re both named on the mortgage and we pay the mortgage out of a joint checking account, to which we both contribute and use for other various purposes. Can we split the mortgage interest deduction between us however we wish as long as [...]]]></description>
			<content:encoded><![CDATA[<p>I own a home in common with another person. We&#8217;re not married. We&#8217;re both named on the mortgage and we pay the mortgage out of a joint checking account, to which we both contribute and use for other various purposes. Can we split the mortgage interest deduction between us however we wish as long as we total up on our two returns to the total amount we jointly paid to the bank? Or must we use some kind of formula? How will the bank report this interest paid to the IRS?</p>
<div class='bookmarkify'><a name='bookmarkify'></a><div class='linkbuttons'></div><div class='brand'><small><a href='http://www.gara.com/projects/bookmarkify'>Powered by Bookmarkify&trade;</a></small></div></div>]]></content:encoded>
			<wfw:commentRss>http://www.barbarahillary.org/2010/08/31/how-can-unmarried-people-report-home-mortgage-interest-paid-jointly-58.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What can sending money possibly do to help the problem with polar bears?</title>
		<link>http://www.barbarahillary.org/2010/08/31/what-can-sending-money-possibly-do-to-help-the-problem-with-polar-bears-63.html</link>
		<comments>http://www.barbarahillary.org/2010/08/31/what-can-sending-money-possibly-do-to-help-the-problem-with-polar-bears-63.html#comments</comments>
		<pubDate>Tue, 31 Aug 2010 11:08:54 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[aren]]></category>
		<category><![CDATA[commercials]]></category>
		<category><![CDATA[global warming]]></category>
		<category><![CDATA[hummer]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[organization]]></category>
		<category><![CDATA[polar bears]]></category>
		<category><![CDATA[quot]]></category>
		<category><![CDATA[recycling]]></category>
		<category><![CDATA[sending money]]></category>
		<category><![CDATA[warming]]></category>
		<category><![CDATA[wildlife]]></category>
		<category><![CDATA[world]]></category>
		<category><![CDATA[world wildlife foundation]]></category>
		<category><![CDATA[WWF]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/08/31/what-can-sending-money-possibly-do-to-help-the-problem-with-polar-bears-63.html</guid>
		<description><![CDATA[There are these commercials all over TV, made by the organization WWF(world wildlife foundation) and they want us to send money to "help" these polar bears that are dying due to global warming. How can sending money possibly help with global warming?! Shouldn&#8217;t they be commercials for recycling or not driving a hummer or something [...]]]></description>
			<content:encoded><![CDATA[<p>There are these commercials all over TV, made by the organization WWF(world wildlife foundation) and they want us to send money to "help" these polar bears that are dying due to global warming. How can sending money possibly help with global warming?! Shouldn&#8217;t they be commercials for recycling or not driving a hummer or something that would really help? Aren&#8217;t we just paying for more useless commercials? How would we stop global warming by sending them money? They don&#8217;t elaborate on how we could help.</p>
<div class='bookmarkify'><a name='bookmarkify'></a><div class='linkbuttons'></div><div class='brand'><small><a href='http://www.gara.com/projects/bookmarkify'>Powered by Bookmarkify&trade;</a></small></div></div>]]></content:encoded>
			<wfw:commentRss>http://www.barbarahillary.org/2010/08/31/what-can-sending-money-possibly-do-to-help-the-problem-with-polar-bears-63.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What are all mortgages loans for first time buyer? What is the current interest rate on mortgages loan?</title>
		<link>http://www.barbarahillary.org/2010/08/31/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-94.html</link>
		<comments>http://www.barbarahillary.org/2010/08/31/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-94.html#comments</comments>
		<pubDate>Tue, 31 Aug 2010 07:17:31 +0000</pubDate>
		<dc:creator>Bidadari Lembayung Senja</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.barbarahillary.org/2010/08/31/what-are-all-mortgages-loans-for-first-time-buyer-what-is-the-current-interest-rate-on-mortgages-loan-94.html</guid>
		<description><![CDATA[I am looking for some personal experience from the first time buyer.
Where is the best place to get mortgages loan?
Is there a federal mortgage loan?
I am looking to buy in the next few months and I need some one to guide me on loan and everything about home buying for the first time.
Powered by Bookmarkify&#8482;]]></description>
			<content:encoded><![CDATA[<p>I am looking for some personal experience from the first time buyer.<br />
Where is the best place to get mortgages loan?</p>
<p>Is there a federal mortgage loan?<br />
I am looking to buy in the next few months and I need some one to guide me on loan and everything about home buying for the first time.</p>
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