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	<title>Carol Sells The Coast</title>
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	<description>Emerald Coast Realtor - Helping you experience your dreams</description>
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		<title>Methodology for the Housing Affordability Index</title>
		<link>http://www.carolsellsthecoast.com/resources/real-estate-news/methodology-for-the-housing-affordability-index.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/real-estate-news/methodology-for-the-housing-affordability-index.html#comments</comments>
		<pubDate>Wed, 01 Jul 2009 22:02:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate News]]></category>

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		<description><![CDATA[The NATIONAL ASSOCIATION OF REALTORS® affordability index measures whether or not a typical family could qualify for a mortgage loan on a typical home. A typical home is defined as the national median-priced, existing single-family home as calculated by NAR. The typical family is defined as one earning the median family income as reported by the U.S. Bureau of the Census. The prevailing mortgage interest rate is the effective rate on loans closed on existing homes from the Federal Housing Finance Board and HSH Associates, Butler, N.J. These components are used to determine if the median income family can qualify for a mortgage on a typical home.]]></description>
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		<title>Speaking of Business with &#8230; Table Five Personal Chef Service</title>
		<link>http://www.carolsellsthecoast.com/resources/lifestyle/restaurants-lifestyle-2/speaking-of-business-with-table-five-personal-chef-service.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/lifestyle/restaurants-lifestyle-2/speaking-of-business-with-table-five-personal-chef-service.html#comments</comments>
		<pubDate>Wed, 01 Jul 2009 20:26:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Restaurants]]></category>

		<guid isPermaLink="false">http://www.carolsellsthecoast.com/resources/?p=1067</guid>
		<description><![CDATA[We discovered there was a niche that needed to be filled in the area for quality dining in the home by a professional chef. There is an endless array of great restaurants in the area, but we realized there were limited options for those who wanted to dine in and entertain at home with friends and family]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Click it or ticket: New seat belt law begins today</title>
		<link>http://www.carolsellsthecoast.com/resources/uncategorized/click-it-or-ticket-new-seat-belt-law-begins-today.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/uncategorized/click-it-or-ticket-new-seat-belt-law-begins-today.html#comments</comments>
		<pubDate>Wed, 01 Jul 2009 20:24:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Local Area]]></category>
		<category><![CDATA[Other News]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.carolsellsthecoast.com/resources/?p=1064</guid>
		<description><![CDATA[ Starting today, you don’t have to be speeding or swerving to be pulled over by a law enforcement officer. 
    Motorists now can be stopped for failing to wear a seat belt and fined $93 as part of the primary enforcement of Florida’s safety belt requirements, according to a new law. Before today, failing to buckle up wasn’t reason enough for an officer to pull over a car. 
]]></description>
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		<title>Tourist touchdown Emerald Coast an affordable option for beachgoers</title>
		<link>http://www.carolsellsthecoast.com/resources/uncategorized/tourist-touchdown-emerald-coast-an-affordable-option-for-beachgoers.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/uncategorized/tourist-touchdown-emerald-coast-an-affordable-option-for-beachgoers.html#comments</comments>
		<pubDate>Wed, 01 Jul 2009 20:21:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.carolsellsthecoast.com/resources/?p=1062</guid>
		<description><![CDATA[Consumer spending habits might have changed, but people still are taking vacations. In this third week of tourist season, businesses along the Emerald Coast said the season is off to a good start, even if area unemployment numbers are higher this summer than last. 
    “People still want to go on vacation, but they still want a value,” said Santa Rosa County Tourist Development Council executive director Kate Wilkes. “I think Northwest Florida has a lot of advantages … there’s a lot of ways to vacation without spending a fortune.” 
]]></description>
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		<title>Schools among best Local districts rank at or near the top statewide</title>
		<link>http://www.carolsellsthecoast.com/resources/schools/schools-among-best-local-districts-rank-at-or-near-the-top-statewide.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/schools/schools-among-best-local-districts-rank-at-or-near-the-top-statewide.html#comments</comments>
		<pubDate>Wed, 01 Jul 2009 20:19:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Schools]]></category>

		<guid isPermaLink="false">http://www.carolsellsthecoast.com/resources/?p=1060</guid>
		<description><![CDATA[  Schools in Okaloosa, Santa Rosa and Walton counties continued to rank among the best in Florida, according to annual school grades released Thursday. 
    Despite four schools dropping a letter grade, Okaloosa took the top spot for the percentage of grade-A schools in the state, with Santa Rosa not far behind. Walton County schools also saw significant improvement, with all 14 schools ranked at grade B or higher. 
    “Our efforts are paying off, (and) it’s evidenced in these scores” said Walton County ]]></description>
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		<title>Harley riders revving up for possible 2010 rally in Destin</title>
		<link>http://www.carolsellsthecoast.com/resources/local/destin/harley-riders-revving-up-for-possible-2010-rally-in-destin.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/local/destin/harley-riders-revving-up-for-possible-2010-rally-in-destin.html#comments</comments>
		<pubDate>Wed, 01 Jul 2009 20:16:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Destin]]></category>

		<guid isPermaLink="false">http://www.carolsellsthecoast.com/resources/?p=1057</guid>
		<description><![CDATA[DESTIN - Nothing could top the Emerald Coast for next year's Florida Harley Owners Group's state rally, the organization's Bruce Fuller says.

"After being rally coordinator for seven years, this is the best location yet for a rally in the state of Florida," Fuller said. "We have looked at Key Largo, looked at the Gainesville area, we have looked at the Ocala area ... After being (in Destin) for two days, the selection committee made a decision our bid was going to be for Destin/Fort Walton Beach. We are not looking any further
]]></description>
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		<title>Are you OK? Walton deputies want to know</title>
		<link>http://www.carolsellsthecoast.com/resources/other/are-you-ok-walton-deputies-want-to-know.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/other/are-you-ok-walton-deputies-want-to-know.html#comments</comments>
		<pubDate>Wed, 01 Jul 2009 20:14:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Other News]]></category>

		<guid isPermaLink="false">http://www.carolsellsthecoast.com/resources/?p=1054</guid>
		<description><![CDATA[DeFUNIAK SPRINGS
Are you OK? Walton deputies want to know 
    The Walton County Sheriff’s Office is inviting residents to sign up themselves or elderly family members on the “Are You Okay?” call list. 
    According to a Sheriff’s Office news release, dispatchers call all of the approximately 40 residents on the list each morning, and if they [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>30-year fixed mortgage rate still low</title>
		<link>http://www.carolsellsthecoast.com/resources/finance/30-year-fixed-mortgage-rate-still-low.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/finance/30-year-fixed-mortgage-rate-still-low.html#comments</comments>
		<pubDate>Wed, 01 Jul 2009 20:12:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://www.carolsellsthecoast.com/resources/?p=1052</guid>
		<description><![CDATA[Rates for 30-year home loans edged up this week, remaining above record lows reached over the spring. 
    The average rate for a 30-year fixed mortgage was 5.42 percent, up from 5.38 percent a week earlier, mortgage company Freddie Mac said Thursday. 
    “ M i x e d e c o n o m i c reports on the state of the housing market helped hold mortgage rates fairly flat,” Frank Nothaft, Freddie Mac’s chief economist, said in a statement]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Federal homeowner program may be making a dent in foreclosures</title>
		<link>http://www.carolsellsthecoast.com/resources/buyers/federal-homeowner-program-may-be-making-a-dent-in-foreclosures.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/buyers/federal-homeowner-program-may-be-making-a-dent-in-foreclosures.html#comments</comments>
		<pubDate>Wed, 24 Jun 2009 19:56:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[For Buyers]]></category>
		<category><![CDATA[For Sellers]]></category>

		<guid isPermaLink="false">http://www.carolsellsthecoast.com/resources/?p=1050</guid>
		<description><![CDATA[Scrambling to stay current with his mortgage, Craig Vale feared he was surely headed into foreclosure this year. Then the unemployed print-shop-equipment operator heard about a new program for financially troubled homeowners.

Last week, Vale, 59, and his wife, Bobbie, cleared the final hurdle to a "trial loan modification" that will cut their interest rate, lower their monthly payment and give the Orange City couple a fighting chance to save their home]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Online tax certificates June 22nd</title>
		<link>http://www.carolsellsthecoast.com/resources/uncategorized/online-tax-certificates-june-22nd.html</link>
		<comments>http://www.carolsellsthecoast.com/resources/uncategorized/online-tax-certificates-june-22nd.html#comments</comments>
		<pubDate>Wed, 24 Jun 2009 19:53:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.carolsellsthecoast.com/resources/?p=1047</guid>
		<description><![CDATA[The 2009 Online Sale of Tax Certificates on Delinquent Walton County Property Tax Accounts is June 22nd. You may review the accounts that are now available for bids at Walton The site includes a tutorial and other information related to the Tax Certificate Sale process. Our office is also available to answer any questions you might have. 892-8121]]></description>
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