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<title>Nancy Woodward's Articles</title>
<link>http://www.articlealley.com</link>
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<title>Profanity is on the rise. Is Foul Language Everywhere</title>
<description>For sometime, I have been looking at this phenomena wondering if I am right.  I seem to hear more xxx language these days especially out in public.  Some of these foul words have become 'in'.  They have a new meaning to the younger generation.  They are u...</description>
<link>http://www.articlealley.com/article_76885_50.html</link>
<pubDate>26th July 2006</pubDate>
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<title>Real Estate – Mortgage Loans - Find the Right Mortgage for Your Needs</title>
<description>If you are looking to buy a new home, condo or piece of property, it is important to find the right mortgage in order to get a low mortgage rate and mortgage terms that fit your budget and lifestyle.  Today, there are many mortgage products that people ca...</description>
<link>http://www.articlealley.com/article_76546_33.html</link>
<pubDate>25th July 2006</pubDate>
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<title>Real Estate – Small improvements to your home can be substantial.</title>
<description>I just read a fabulous article on this subject.  I've personally always thought of home improvements as – a major job.  I can see dirt and dust flying as sanders, routers and more buzz.  

Every time I have had work done to my home, the contractor told ...</description>
<link>http://www.articlealley.com/article_76273_27.html</link>
<pubDate>25th July 2006</pubDate>
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<title>Real Estate Houses – Foam and Concrete Walls</title>
<description>I heard that houses are being made with concrete/foam block walls.  This newer technology increases the energy efficiency, security and strength of houses.  This new design is part of a construction method called stay-in-place-forms or insulated-concrete ...</description>
<link>http://www.articlealley.com/article_75708_33.html</link>
<pubDate>24th July 2006</pubDate>
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<title>Identity Theft - IRS Warns Public about Email Scams</title>
<description>The IRS has been the subject of an email scam campaign.  They are informing the public to be on the lookout for email indicating they are coming from the Agency.  Since the IRS does not send unsolicited emails asking for your personal information, you mus...</description>
<link>http://www.articlealley.com/article_75047_15.html</link>
<pubDate>23rd July 2006</pubDate>
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<title>Real Estate Sales – Should you fix up your home before listing it?</title>
<description>Yes, you should fix all of the obvious things you can.  When buyers visit homes, they look for the things they see that obviously need some fixing.  Most buyers would rather not see the repairs in front of them.  They want to buy a house that is in 'perfe...</description>
<link>http://www.articlealley.com/article_74513_33.html</link>
<pubDate>22nd July 2006</pubDate>
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<title>Gold – Gold has a varied history- It used for more than making gold jewelry</title>
<description>Gold is a precious metal.  Historically, it has been used for stores of value (bars) for jewelry, electronics, dentistry, and as actual money (coinage).  It is a yellow element found in nuggets that can actually be ruby or black when divided.  

It is t...</description>
<link>http://www.articlealley.com/article_73200_34.html</link>
<pubDate>17th July 2006</pubDate>
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<title>Identity Theft is an ongoing Problem</title>
<description>Recently the personal information of our veterans was compromised.  There are approximately 26.5 million names in the database at risk.  This means that they could become the victims of identify theft.

In 2005 the average loss experienced by &lt;a href="h...</description>
<link>http://www.articlealley.com/article_73198_19.html</link>
<pubDate>17th July 2006</pubDate>
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<title>Who Knew that Gene Research would show same genes act different in women and men?</title>
<description>Who knew is my favorite subject.  Researching modern technology and its ramifications on the baby boomer generation can be a challenge.  I am aware that there are genetic differences between men and women.  This begins with the X and Y chromosomes.

A s...</description>
<link>http://www.articlealley.com/article_73197_23.html</link>
<pubDate>17th July 2006</pubDate>
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<title>Who Knew that Modern Technology would Eliminate Landlines on Campuses?</title>
<description>Montclair State University is mandating freshmen have a cell phone.  This gives the school the opportunity to determine where the student is at any time.  When this process began, the students were not really happy but, now, the students realize that this...</description>
<link>http://www.articlealley.com/article_73196_45.html</link>
<pubDate>17th July 2006</pubDate>
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<title>Who Knew – Intel cuts 1,000 in Management.</title>
<description>The computer and chip makers have had their problems in recent years.  Intel, in an effort to become more efficient, is cutting management jobs.  The competition is stiff and fewer personal computers are being sold.

According to Chuck Mulloy, Intel's s...</description>
<link>http://www.articlealley.com/article_72129_10.html</link>
<pubDate>14th July 2006</pubDate>
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<title>Home Lighting – Will Modern Technology advances help LED lighting take over?</title>
<description>Scientists and engineers are working to improve led lighting.  The US government is pushing them to get rid of the ordinary light bulb.  The normal light bulb is an energy  waster.  It turns a mere five percent of the electricity it uses into actual light...</description>
<link>http://www.articlealley.com/article_70967_27.html</link>
<pubDate>08th July 2006</pubDate>
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<title>Mortgage loans – Obtaining Mortgage Loans Depends on FICO scores</title>
<description>FICO Scores were developed by Fairlsaac Corporation.  Fairlsaac is a leader in the credit-management arena.  Their development has become an industry standard for determining an individual's credit worthiness.  The score is determined by payment history, ...</description>
<link>http://www.articlealley.com/article_70630_19.html</link>
<pubDate>07th July 2006</pubDate>
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<title>Credit Issues – Identity theft gives rise to credit problems, 10 Steps to Protect yourself</title>
<description>In the past two weeks, I have read three different articles on identity theft in various ways.  The VA had a data leak after an analyst took home a laptop with electron data containing names, Social Security numbers and dates of birth of 26.5 million vete...</description>
<link>http://www.articlealley.com/article_68993_19.html</link>
<pubDate>01st July 2006</pubDate>
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<title>Gold Jewelry – Is the High Cost of Gold Affecting the Designers?</title>
<description>Gold has been pricing out over $580.00 an ounce in recent weeks.  Earlier this year the price was $730.00 an ounce.  On May 12th, the price reached a 26 year  high of $732.00 an ounce.  Since then, prices have dropped twenty-two percent which still leaves...</description>
<link>http://www.articlealley.com/article_68826_34.html</link>
<pubDate>30th June 2006</pubDate>
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<title>Real Estate Chaning Marekt - Does this Create New Opportunities?</title>
<description>Yes, it definitely does create a new opportunity.  Since the Real Estate market is slowing down, there is a larger inventory of houses.  Since a larger inventory of Real Estate exists, buyers can move somewhat slower in making decisions and signing on the...</description>
<link>http://www.articlealley.com/article_66829_33.html</link>
<pubDate>25th June 2006</pubDate>
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<title>Credit report agencies: They affect your Personal Credit as a Normal Part of doing Business</title>
<description>Credit reporting agencies are organizations that help credit card companies, loan companies, banks, and departmental stores in the country to ascertain the credit worthiness of their would be clients. They provide these companies information about those w...</description>
<link>http://www.articlealley.com/article_66827_15.html</link>
<pubDate>25th June 2006</pubDate>
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<title>Home Prices in New Jersey are Skyrocketing!</title>
<description>Home prices in New Jersey have been skyrocketing for some time now.  Unfortunately, the average income has not been doing so.  In 1995, the median single-family home in the Atlantic City area was approximately four times the average annual income in the a...</description>
<link>http://www.articlealley.com/article_66398_33.html</link>
<pubDate>25th June 2006</pubDate>
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<title>Real Estate Sales - Ten Steps to Getting your Home Ready to Sell</title>
<description>Real Estate Sales – Ten Steps to Getting your Home ready to sell
By Nancy Woodward

	Does your home have curb appeal?  Is the first impression a positive one?  Would a buyer want to open the front door?

	There are simple steps you can to take to add...</description>
<link>http://www.articlealley.com/article_65999_33.html</link>
<pubDate>23rd June 2006</pubDate>
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<title>Mortgage Rates are Rising - Energy Prices are High</title>
<description>Mortgage rates are rising as the markets believe the Federal Reserve will raise the interest rates higher.  Rates on 30 year mortgages hit a high of 6.67%.  This is the highest rate in the last four years.

The housing market has been slowing down after...</description>
<link>http://www.articlealley.com/article_64264_33.html</link>
<pubDate>18th June 2006</pubDate>
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<title>Business Entity Options</title>
<description>When forming your new business structure, you must consider the best possible alternative of the available business structures.  While a sole proprietorship is the easiest type to create, there is no separate identity.  Personal liability belongs to the o...</description>
<link>http://www.articlealley.com/article_64261_80.html</link>
<pubDate>18th June 2006</pubDate>
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<title>Real Estate Open House – Stage an Open House with Borrowed Furniture?</title>
<description>Recently I showed a house in an middleclass area.  I had the pleasure of meeting the owner of a new business – Staging Open Houses.  What a good business.  This idea is not new but the lovely lady I met added her own twist to this.

Mary's primary busin...</description>
<link>http://www.articlealley.com/article_64260_33.html</link>
<pubDate>18th June 2006</pubDate>
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<title>Business 101 -  Keep it Simple when setting up your business</title>
<description>Now that you have made your decision to open your own business, what should you do?  In an effort to make this a simple process that's easy to implement, I've created a checklist you can follow.  I find that working with checklists will help you to stay f...</description>
<link>http://www.articlealley.com/article_63833_15.html</link>
<pubDate>16th June 2006</pubDate>
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