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	<title>Tammy Lathrop's Weblog</title>
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		<title>Tammy Lathrop's Weblog</title>
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		<title>Ages 25-44 Population of workers %2000-07</title>
		<link>http://teamlathrop.wordpress.com/2008/06/09/64/</link>
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		<pubDate>Mon, 09 Jun 2008 13:42:39 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Real Estate - Housing - Financing]]></category>

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			<media:title type="html">Big Mama</media:title>
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		<title>Fathers Day June 15TH &#8211; Dads Will Be Dads</title>
		<link>http://teamlathrop.wordpress.com/2008/06/06/fathers-day-june-15th-dads-will-be-dads/</link>
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		<pubDate>Fri, 06 Jun 2008 12:12:08 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Dates To Remember]]></category>
		<category><![CDATA[Family]]></category>

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		<description><![CDATA[This will be my first fathers day without my dad. Knowing that, I try to remember,laugh and share as well as build memories for my husband, my children and soon to be grandaughter ) Enjoy this cute little story shared from Chicken Soup for the soul. The very first book my Dad ever read all [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=teamlathrop.wordpress.com&amp;blog=2884103&amp;post=61&amp;subd=teamlathrop&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>This will be my first fathers day without my dad. Knowing that, I try to remember,laugh and share as well as build memories for my husband, my children and soon to be grandaughter <img src='http://s1.wp.com/wp-includes/images/smilies/icon_surprised.gif' alt=':o' class='wp-smiley' /> ) Enjoy this cute little story shared from Chicken Soup for the soul. The very first book my Dad ever read all the way through..</p>
<div class="subTextArticle2">Sharing child care with my husband was hard&#8211;until I learned to trust his style of parenting. <span class="blackText">By Susan M. Lang </span></div>
<p>    While I was pregnant with my first child, sweltering through the endless, fiery summer months in which ankles swelled and sweat poured forth profusely, I wanted only one thing&#8211;to give birth.</p>
<p>&#8220;I can&#8217;t wait until this child is out,&#8221; I would huff and puff in frustration.</p>
<p>My husband lovingly reassured me that the baby would spring forth at the appointed time. That some day I would be free from the burden of the added weight and the painful swollen ankles. I, however, felt as if the child had taken up permanent residence.</p>
<div id="storycontent" class="storycontent">
<p>&#8220;Suppose the kid likes it in here and doesn&#8217;t want to leave,&#8221; I would say.</p>
<p>&#8220;Highly unlikely, dear. The baby will be here before you know it,&#8221; he insisted, his feet still grounded firmly in reality, while mine were constantly elevated.</p>
<p>As it turned out, when my <a class="iAs" href="http://teamlathrop.wordpress.com/wp-admin/#" target="_blank">water</a> broke that fateful evening, I was shocked into reality. Our first daughter did leave the womb and enter the atmosphere. She even arrived three weeks early.</p>
<p>When Mary was born, I was overjoyed. Not only was it a relief to hold her tiny body in my arms, but she was a red-headed <a class="iAs" href="http://teamlathrop.wordpress.com/wp-admin/#" target="_blank">beauty</a>. Even when she was minutes old, I felt that we had a unique attachment. And we did, for she had been a part of me. However, what I didn&#8217;t anticipate was how difficult it would be to let her go.</p>
<p>For those nine months that seemed like an eternity, the baby had been mine&#8230;all mine. She was joined with me and depended on only me for survival. Even though Tom could feel her kick through the womb as she grew bigger, I usually had to notify him that she was moving. He depended on me to tell him what the baby was doing. The communication that Mary and I had was ours alone. Now, she was in the world and I had to share her with others. Including her dad.</p>
<p>Now, it&#8217;s not that I didn&#8217;t trust him. My husband is a compassionate husband and father. It&#8217;s just that he doesn&#8217;t do things the way that I do them.</p>
<p>He held the baby differently. I cradled her close, showing her my maternal love. He held her facing outward so she would have a world view. He transported her differently. I carried her in my arms from room to room as I tidied up. He placed her in the stroller and rolled her around so that he could put things away and still keep an eye on her. He comforted her differently. I rocked her quietly to calm her; he bounced her. He even fed her differently. I breast-fed her at 2:00 a.m. He bottle-fed her at 2:00 p.m. (Okay, so I can&#8217;t hold biology against the poor guy.) It&#8217;s just that it was difficult to accept that someone could relate to Mary in another way. Undoubtedly, I was very insecure, and sharing her was hard. Even with her dad.</p>
<p>Of course, there was the time that I was downstairs in the basement office for a while working on a project. It was Dad&#8217;s time to watch his little girl. As I reached the top of the steps after finishing my work, he asked, &#8220;Where&#8217;s Mary?&#8221;</p>
<p>&#8220;What do you mean, where is Mary?&#8221; I screamed.</p>
<p>&#8220;I thought you had her,&#8221; he said nonchalantly. &#8220;Don&#8217;t worry, I&#8217;ll find her.&#8221; He had placed her on the living-room floor for a moment and then inadvertently turned his back. We began our search there. As it turned out, she had crawled over to the floor-length picture window and was hiding behind the drapes. We found her giggling in delight at the birds on the front lawn and at the cars passing by. It was the first time that she had crawled. I seldom placed her on the floor, but Tom liked to give her room to stretch and play. No harm was done, in fact just the opposite. Our baby had reached a new point in her life because my husband, her dad, had let her expand her horizons.</p>
<p>During all those months of pregnancy while I complained, I never imagined how difficult it would be to let her go once she was born. For me, it was the first test of motherhood&#8211;to let Dad be Dad. To realize that someone else could nurture my child in his own way. And to realize that what he had to give her, I couldn&#8217;t give.</p>
<p>That is the beauty of parenting. That each mother and each father has a unique contribution. That our babies need the distinctive love and nurture that each one of us has to offer. And it pays off, too. By the time our second child was on the way, Mary was two years old. She and her dad had a wonderful relationship forged by the variety of experiences which they alone had shared.</p>
<p>After our youngest child, Kristi, arrived, I was able to give my husband more freedom&#8211;and space&#8211;in his distinctive parenting techniques. I, too, had grown. And, I had learned from his parenting style, even as he had learned from mine. After all, we were a team.</p>
<p>&#8220;Well, they&#8217;re all yours,&#8221; I declared one day as I headed for the office.</p>
<p>&#8220;Aren&#8217;t you just a little worried?&#8221; he teased.</p>
<p>&#8220;No, just remember to check behind the drapes if the baby disappears,&#8221; I laughed. &#8220;Besides,&#8221; I added, &#8220;you&#8217;ve got everything under control.&#8221;</p></div>
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		<title>I Never Heard of Inflammatory Breast Cancer, Have You</title>
		<link>http://teamlathrop.wordpress.com/2008/06/06/i-never-heard-of-inflammatory-breast-cancer-have-you/</link>
		<comments>http://teamlathrop.wordpress.com/2008/06/06/i-never-heard-of-inflammatory-breast-cancer-have-you/#comments</comments>
		<pubDate>Fri, 06 Jun 2008 11:11:09 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Family]]></category>

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		<description><![CDATA[Inflammatory Breast Cancer &#8211; The Silent Killer   Please take a moment to view the IBC link I have attached.  Be cautious when viewing as it is explicit.  Please pass along to other women in your life who can benefit from the knowledge.   http://ca.youtube.com/watch?v=6P5JpnLRFsk  <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=teamlathrop.wordpress.com&amp;blog=2884103&amp;post=58&amp;subd=teamlathrop&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<div dir="ltr"><span style="font-size:x-small;font-family:Arial;"><span class="592011813-24032008">Inflammatory Breast Cancer &#8211; The Silent Killer</span></span></div>
<div><span style="font-size:x-small;font-family:Arial;"></span> </div>
<div><span style="font-size:x-small;font-family:Arial;"><span class="592011813-24032008">Please take a moment to view the IBC link I have attached.  Be cautious when viewing as it is explicit.  Please pass along to other women in your life who can benefit from the knowledge.</span></span></div>
<div> </div>
<div>
<div><span style="font-size:12pt;font-family:Georgia;"><a title="http://ca.youtube.com/watch?v=6P5JpnLRFsk http://ca.youtube.com/watch?v=6P5JpnLRFsk" rel="nofollow" href="http://ca.youtube.com/watch?v=6P5JpnLRFsk" target="_blank"><span class="yshortcuts" title="http://ca.youtube.com/watch?v=6P5JpnLRFsk http://ca.youtube.com/watch?v=6P5JpnLRFsk"><span style="color:#810081;">http://ca.youtube.com/watch?v=6P5JpnLRFsk</span></span></a></span></div>
</div>
<div> </div>
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		<title>Fed Signals end to rate cuts</title>
		<link>http://teamlathrop.wordpress.com/2008/06/03/fed-signals-end-to-rate-cuts/</link>
		<comments>http://teamlathrop.wordpress.com/2008/06/03/fed-signals-end-to-rate-cuts/#comments</comments>
		<pubDate>Tue, 03 Jun 2008 03:33:44 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Real Estate - Housing - Financing]]></category>

		<guid isPermaLink="false">http://teamlathrop.wordpress.com/?p=57</guid>
		<description><![CDATA[Good afternoon everyone,   Important breaking news in the New York Times:  Fed Chief Signals End to Rate Cuts, To help brace the economy, the Fed in late April dropped its key rate to 2 percent, a nearly four-year low, but hinted that could be the last reduction for a while. Mr. Bernanke drove that [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=teamlathrop.wordpress.com&amp;blog=2884103&amp;post=57&amp;subd=teamlathrop&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p class="MsoPlainText" style="margin:0;"><span style="font-size:large;"><span style="color:#000080;"><span style="font-family:Shruti;">Good afternoon everyone,</span></span></span></p>
<p class="MsoPlainText" style="margin:0;"><span style="font-size:large;color:#000080;font-family:Shruti;"> </span></p>
<p class="MsoPlainText" style="margin:0;"><span style="font-size:large;"><span style="color:#000080;"><span style="font-family:Shruti;">Important breaking news in the New York Times:<span>  </span>Fed Chief Signals End to Rate Cuts, To help brace the economy, the Fed in late April dropped its key rate to 2 percent, a nearly four-year low, but hinted that could be the last reduction for a while. Mr. Bernanke drove that point home again on Tuesday stating&#8230;</span></span></span></p>
<p class="MsoPlainText" style="margin:0;"><span style="font-size:large;color:#000080;font-family:Shruti;"> </span></p>
<p class="MsoPlainText" style="margin:0;"><span style="font-size:large;"><span style="color:#000080;"><span style="font-family:Shruti;">“For now policy seems well positioned to promote moderate growth and price stability over time,” </span></span></span></p>
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		<title>Higher Loan Limits Are Needed for FHA, Freddie Mac &amp; Fannie Mae</title>
		<link>http://teamlathrop.wordpress.com/2008/06/02/higher-loan-limits-are-needed-for-fha-freddie-mac-fannie-mae/</link>
		<comments>http://teamlathrop.wordpress.com/2008/06/02/higher-loan-limits-are-needed-for-fha-freddie-mac-fannie-mae/#comments</comments>
		<pubDate>Mon, 02 Jun 2008 02:22:08 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Real Estate - Housing - Financing]]></category>

		<guid isPermaLink="false">http://teamlathrop.wordpress.com/?p=59</guid>
		<description><![CDATA[Higher Loan Limits Are Needed for FHA, Freddie Mac &#38; Fannie Mae The House of Representatives has done its part by passing reform proposals for FHA, Freddie Mac &#38; Fannie Mae that make the increased loan limits included in the economic stimulus legislation permanent.  This is particularly important for states, like California, that have a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=teamlathrop.wordpress.com&amp;blog=2884103&amp;post=59&amp;subd=teamlathrop&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><span style="font-size:medium;font-family:Verdana, Arial;"><strong>Higher Loan Limits Are Needed for FHA, Freddie Mac &amp; Fannie Mae</strong></span></p>
<div><span style="font-family:Verdana, Arial;">The House of Representatives has done its part by passing reform proposals for FHA, Freddie Mac &amp; Fannie Mae that make the increased loan limits included in the economic stimulus legislation permanent.  This is particularly important for states, like California, that have a high cost market. Evidence shows that the increased FHA/GSE loan limits are providing a much needed infusion of stability, liquidity and security into the market. If the Senate doesn&#8217;t insist on higher limits, the burgeoning recovery will be thrust into an unnecessary period of additional turmoil.</span></div>
<p><span style="font-family:Verdana, Arial;"><strong>Don&#8217;t let the Senate stop progress through inaction. Tell Senators Boxer and Feinstein that realistic and permanent loan limits help all areas of the country and are needed now. </strong></p>
<p> </p>
<p></span></p>
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		<title>Something To Think About</title>
		<link>http://teamlathrop.wordpress.com/2008/05/30/something-to-think-about/</link>
		<comments>http://teamlathrop.wordpress.com/2008/05/30/something-to-think-about/#comments</comments>
		<pubDate>Fri, 30 May 2008 03:33:18 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Just For Today]]></category>

		<guid isPermaLink="false">http://teamlathrop.wordpress.com/?p=60</guid>
		<description><![CDATA[Life consists not in holding good cards, but in playing those you hold well. -Josh Billings    <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=teamlathrop.wordpress.com&amp;blog=2884103&amp;post=60&amp;subd=teamlathrop&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><span style="font-family:Verdana;"><span style="color:#a05803;"><span style="font-size:x-small;"><br />
<img src="http://www.beliefnet.com/imgs/x.gif" border="0" alt="" width="1" height="5" /><br />
</span></span><span style="font-size:x-small;color:#a33224;"><span style="color:#a33224;">Life consists not in holding good cards, but in playing those you hold well.</p>
<p><span style="font-size:xx-small;color:#a33224;"><em>-Josh Billings</em></span><span style="font-size:x-small;"> </span></span></span></span></p>
<p><span style="color:#a33224;"><font color="#a33224"><span style="font-size:xx-small;color:#330000;"><em></em></span></p>
<p></font></span> </p>
<p> </p>
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		<title>Financial Independence Is Not Beyond Your Reach</title>
		<link>http://teamlathrop.wordpress.com/2008/05/15/financial-independence-is-not-beyond-your-reach/</link>
		<comments>http://teamlathrop.wordpress.com/2008/05/15/financial-independence-is-not-beyond-your-reach/#comments</comments>
		<pubDate>Thu, 15 May 2008 05:55:17 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Dates To Remember]]></category>
		<category><![CDATA[Real Estate - Housing - Financing]]></category>

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		<description><![CDATA[Join us on Tuesday June 17, 2008..meet best selling author, Douglas R. Andrew.  Author of &#8220;The Last Chance Millionaire&#8221;  &#8221; Missed Fortune 101&#8243; &#38;  &#8220;Millionaire By Thirty&#8221; &#8230;Discover 23 common Money Myths, our treat!<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=teamlathrop.wordpress.com&amp;blog=2884103&amp;post=54&amp;subd=teamlathrop&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Join us on Tuesday June 17, 2008..meet best selling author, Douglas R. Andrew.  Author of &#8220;The Last Chance Millionaire&#8221;  &#8221; Missed Fortune 101&#8243; &amp;  &#8220;Millionaire By Thirty&#8221; &#8230;Discover 23 common Money Myths, our treat!</p>
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			<media:title type="html">Big Mama</media:title>
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		<title>Fed Announcement</title>
		<link>http://teamlathrop.wordpress.com/2008/05/10/fed-announcement/</link>
		<comments>http://teamlathrop.wordpress.com/2008/05/10/fed-announcement/#comments</comments>
		<pubDate>Sat, 10 May 2008 10:10:35 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Real Estate - Housing - Financing]]></category>

		<guid isPermaLink="false">http://teamlathrop.wordpress.com/?p=56</guid>
		<description><![CDATA[fedannouncements <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=teamlathrop.wordpress.com&amp;blog=2884103&amp;post=56&amp;subd=teamlathrop&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://teamlathrop.files.wordpress.com/2008/05/fedannouncements.pdf">fedannouncements</a> </p>
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		<title>Mothers Day May 11TH</title>
		<link>http://teamlathrop.wordpress.com/2008/05/01/mothers-day-may-11th/</link>
		<comments>http://teamlathrop.wordpress.com/2008/05/01/mothers-day-may-11th/#comments</comments>
		<pubDate>Thu, 01 May 2008 11:11:17 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Dates To Remember]]></category>

		<guid isPermaLink="false">http://teamlathrop.wordpress.com/?p=29</guid>
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			<media:title type="html">Big Mama</media:title>
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		<title>Rent vs. Homeownership..Is there really a cost?&#8230;</title>
		<link>http://teamlathrop.wordpress.com/2008/04/15/rent-vs-homeownershipthere-really-is-a-cost/</link>
		<comments>http://teamlathrop.wordpress.com/2008/04/15/rent-vs-homeownershipthere-really-is-a-cost/#comments</comments>
		<pubDate>Tue, 15 Apr 2008 05:55:45 +0000</pubDate>
		<dc:creator>nlathtam</dc:creator>
				<category><![CDATA[Real Estate - Housing - Financing]]></category>

		<guid isPermaLink="false">http://teamlathrop.wordpress.com/?p=38</guid>
		<description><![CDATA[There are several different ways that first time buyers lose money by waiting to purchase. The first is loss of tax deductions. In most cases, people who lack a mortgage pay more federal and state income taxes than those who qualify for a mortgage deduction. You can use a mortgage calculator to illustrate this point. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=teamlathrop.wordpress.com&amp;blog=2884103&amp;post=38&amp;subd=teamlathrop&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>There are several different ways that first time buyers lose money by waiting to purchase. The first is loss of tax deductions. In most cases, people who lack a mortgage pay more federal and state income taxes than those who qualify for a mortgage deduction. You can use a mortgage calculator to illustrate this point. For example, assume that a buyer is currently paying $1,500 per month on a rental. If the buyer purchases a $300,000 property with $30,000 down and a fixed-rate 30-year mortgage of $270,000 at 6.25 percent, the buyer actually nets $24,262 more, assuming that appreciation keeps pace with inflation, the buyer owns the property for eight years, and is in the 28 percent bracket.</p>
<p style="font-size:1.2em;vertical-align:baseline;line-height:1.5;font-family:inherit;outline-width:0;outline-style:initial;outline-color:initial;border-width:0;margin:0 0 1.5em;padding:0;">Another way renters lose money is through wealth accumulation, generally in the form of creating equity by paying down the loan and through appreciation. According to the Federal Reserve, the average homeowner between 1995 and 2004 had a net worth of $184,400, of which approximately $60,000 was due to home ownership appreciation. To account for the difference of $60,000 of wealth accumulation, a $200,000 house would have to decline by 30 percent. Thus, each year a buyer waits to purchase a median-priced home, they lose $6,000 in potential wealth accumulation.</p>
<p style="font-size:1.2em;vertical-align:baseline;line-height:1.5;font-family:inherit;outline-width:0;outline-style:initial;outline-color:initial;border-width:0;margin:0 0 1.5em;padding:0;">An additional way that renters lose money is through increased interest rates. For example, on a $200,000 mortgage, assume that interest rates increase from six to seven percent. By waiting, the buyer&#8217;s payments increase by $1,578 each year causing a total loss (in payments and wealth accumulation) of $7,578. If interest rates increase from six to eight percent on that same loan, they will pay an extra $3,221 per year resulting in a total loss of $9,221.</p>
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