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	<title>Property Educator by Patricia Rattray</title>
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	<description>Property for Living, Investing &#38; Renovating Worldwide</description>
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		<title>Property Educator by Patricia Rattray</title>
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		<title>Moving Checklist</title>
		<link>http://patriciarattray.wordpress.com/2012/01/16/moving-checklist/</link>
		<comments>http://patriciarattray.wordpress.com/2012/01/16/moving-checklist/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 13:43:49 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Move Guide]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=488</guid>
		<description><![CDATA[At least one month prior to move: Begin cleaning out anything which will not be making the move. Think about donating your unwanteds, and get a receipt for tax purposes. Create a complete inventory of all items which will be going with you. Find a reputable mover (ask your broker for a vendor they might [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=488&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Prepare Your Home For Sale With This Checklist</title>
		<link>http://patriciarattray.wordpress.com/2012/01/13/prepare-your-home-for-sale-with-this-checklist/</link>
		<comments>http://patriciarattray.wordpress.com/2012/01/13/prepare-your-home-for-sale-with-this-checklist/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 16:23:34 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Home Maintenance]]></category>
		<category><![CDATA[Sellers]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=463</guid>
		<description><![CDATA[Check attic vents for blockage by bird nests, etc. Clean window wells, dry wells and storage areas of debris. Have heating and central air systems checked by service person and replace filters where necessary. Exterior paint:  touch-up minor areas, repaint/paint shutters and front door Check humidifier for proper operation. Roofing:  secure any loose shingles, replace [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=463&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Smart Moving and Packing Tips &#8211; How to Take the Stress Out of Moving</title>
		<link>http://patriciarattray.wordpress.com/2012/01/12/smart-moving-how-to-take-the-stress-out-of-moving/</link>
		<comments>http://patriciarattray.wordpress.com/2012/01/12/smart-moving-how-to-take-the-stress-out-of-moving/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 15:23:14 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Move Guide]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=450</guid>
		<description><![CDATA[One of the biggest mistakes when moving is waiting until the last minute. The best tips are to plan smart and allow approximately 6 weeks to get into gear. Additionally, try to avoid busy moving times like the warmer seasons and beginning or end months of seasons.  You will have a lot more luck finding the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=450&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>10 Ways that Being more Positive Improves Your Career and Your Life</title>
		<link>http://patriciarattray.wordpress.com/2011/09/14/10-ways-that-being-more-positive-improves-your-career-and-your-life/</link>
		<comments>http://patriciarattray.wordpress.com/2011/09/14/10-ways-that-being-more-positive-improves-your-career-and-your-life/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 12:52:00 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Community]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=451</guid>
		<description><![CDATA[I really enjoyed reading the following ways that being more positive improves your career and life. These were written by my friend Kathy Caprino, who is an expert life-work coach. I have learned that in the real estate industry, being positive helps you become a more skilled negotiator and also helps you enjoy the exhaustive [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=451&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Military Grants for Down Payment and Closing Costs</title>
		<link>http://patriciarattray.wordpress.com/2011/09/14/military-grants-for-down-payment-and-closing-costs/</link>
		<comments>http://patriciarattray.wordpress.com/2011/09/14/military-grants-for-down-payment-and-closing-costs/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 12:30:24 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Buyers Only]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=448</guid>
		<description><![CDATA[First-time military buyers are eligible to apply for $5000 in grants to help pay for closing costs in the purchase of a first home. The grant can be applied to a mortgage from any financial institution. For more information go to www.PentagonFoundation.org and click on the Dream Makers link. Filed under: Buyers Only<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=448&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Closing Costs Up 8.8% from Last Year</title>
		<link>http://patriciarattray.wordpress.com/2011/09/14/closing-costs-up-8-8-from-last-year/</link>
		<comments>http://patriciarattray.wordpress.com/2011/09/14/closing-costs-up-8-8-from-last-year/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 12:26:39 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Buyers Only]]></category>
		<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Finance & Mortgage Reminders]]></category>
		<category><![CDATA[Real Estate Industry and Market]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=446</guid>
		<description><![CDATA[Closing costs have increased about 8.8%  nationwide from a year ago according to a survey from Bankrate. Origination, title and third paty fees on a $200K loan averaged $4070 so far this year compared to $3741 at the same time last year. New York is the most expensive place to secure a loan at an average [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=446&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>7 Eco-Friendly Amenities Buyers Want</title>
		<link>http://patriciarattray.wordpress.com/2011/09/14/7-eco-friendly-amenities-buyers-want/</link>
		<comments>http://patriciarattray.wordpress.com/2011/09/14/7-eco-friendly-amenities-buyers-want/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 12:22:11 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Buyers Only]]></category>
		<category><![CDATA[Green Living]]></category>
		<category><![CDATA[Home Maintenance]]></category>
		<category><![CDATA[Real Estate Industry and Market]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=444</guid>
		<description><![CDATA[According to American Instutuite of Architect&#8217;s Home Design Trends Survey, these are the seven eco-friendly amenities that buyers are looking for:  High Efficiency Insulation High Efficiency Windows Double and Triple Glazed Windows Tankless Water Heaters Water Conserving Devices Products to improve indoor air quality Renewable flooring such as bamboo or cork Filed under: Buyers Only, Green Living, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=444&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Market Reports 2nd Quarter 2011 &#8211; CT &amp; Westchester NY Real Estate</title>
		<link>http://patriciarattray.wordpress.com/2011/07/27/market-reports-2nd-quarter-2011-ct-westchester-ny-real-estate/</link>
		<comments>http://patriciarattray.wordpress.com/2011/07/27/market-reports-2nd-quarter-2011-ct-westchester-ny-real-estate/#comments</comments>
		<pubDate>Wed, 27 Jul 2011 15:55:37 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Buyers Only]]></category>
		<category><![CDATA[Real Estate Industry and Market]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=437</guid>
		<description><![CDATA[Market Information You Need William Pitt (CT) – http://www.wpsir.com/marketwatch Julia B. Fee (Westchester, NY) – http://www.jbfsir.com/marketwatch Litchfield Hills (CT) – http://www.litchfieldhillssir.com/marketwatch Filed under: Buyers Only, Real Estate Industry and Market<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=437&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>How Home Buyers Can Avoid a Costly Mistake Regarding Wetlands</title>
		<link>http://patriciarattray.wordpress.com/2011/02/05/how-to-avoid-a-costly-mistake-homebuyers-make-about-wetlands/</link>
		<comments>http://patriciarattray.wordpress.com/2011/02/05/how-to-avoid-a-costly-mistake-homebuyers-make-about-wetlands/#comments</comments>
		<pubDate>Sat, 05 Feb 2011 19:51:55 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Buyers Only]]></category>
		<category><![CDATA[Consumer Protection]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=431</guid>
		<description><![CDATA[Imagine you are considering making the most important purchase of your life &#8212; your next home. Naturally you’re excited at the prospect. But, of course, you are approaching the matter carefully. Most home buyers hire a home inspector to check out the house itself. But is there anything about the land that you should investigate? [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=431&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>2010 Annual Real Estate Market Reports &#8211; William Pitt Sotheby&#8217;s</title>
		<link>http://patriciarattray.wordpress.com/2011/01/31/2010-annual-real-estate-market-reports-william-pitt-sothebys/</link>
		<comments>http://patriciarattray.wordpress.com/2011/01/31/2010-annual-real-estate-market-reports-william-pitt-sothebys/#comments</comments>
		<pubDate>Mon, 31 Jan 2011 18:59:56 +0000</pubDate>
		<dc:creator>Patricia Rattray</dc:creator>
				<category><![CDATA[Real Estate Industry and Market]]></category>

		<guid isPermaLink="false">http://patriciarattray.wordpress.com/?p=428</guid>
		<description><![CDATA[CT – http://www.wpsir.com/marketwatch Westchester, NY – http://www.jbfsir.com/marketwatch Litchfield Hills – http://www.litchfieldhillssir.com/marketwatch Filed under: Real Estate Industry and Market<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=patriciarattray.wordpress.com&amp;blog=3162937&amp;post=428&amp;subd=patriciarattray&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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