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		<title>Owning Your Home in Albany NY</title>
		<description>Owning Your Home in Albany NY from Albany NY Realtor Jon Huther of Nick DeMase &amp; Associates Real Estate. (518) 495-9393</description>
		<link>http://www.albany-ny-homes.com</link>
		<lastBuildDate>Wed, 07 Jan 2009 05:26:07 +0100</lastBuildDate>
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			<title>Owning Your Home in Albany NY</title>
			<link>http://www.albany-ny-homes.com</link>
			<description>Owning Your Home in Albany NY from Albany NY Realtor Jon Huther of Nick DeMase &amp; Associates Real Estate. (518) 495-9393</description>
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			<title>Winter Home Maintenance Tips</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Winter-Home-Maintenance-Tips.html</link>
			<description>The temperatures are falling, but before
  winter's chill descends, there are a lot of things to do inside and...</description>
			<pubDate>Mon, 01 Dec 2008 07:38:37 +0100</pubDate>
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			<title>Property Taxes</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Property-Taxes-4.html</link>
			<description>How do property taxes work?Property taxes are what most homeowners in the United States pay for the privilege of owning...</description>
			<pubDate>Fri, 14 Mar 2008 08:23:46 +0100</pubDate>
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			<title>Tax Considerations</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Tax-Considerations.html</link>
			<description>Are the costs of a natural disaster deductible?Damage, destruction or loss of property from fires, floods, earthquakes and other disasters...</description>
			<pubDate>Fri, 14 Mar 2008 08:23:23 +0100</pubDate>
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			<title>Refinancing</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Refinancing-4.html</link>
			<description>When is the best time to refinance?It depends on how long you plan to hold on to your house and...</description>
			<pubDate>Fri, 14 Mar 2008 08:22:45 +0100</pubDate>
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			<title>Reversed Annuity Mortgages</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Reversed-Annuity-Mortgages-4.html</link>
			<description>What is a reverse mortgage loan?A reverse mortgage is a special type of loan available only to older homeowners with...</description>
			<pubDate>Fri, 14 Mar 2008 08:22:19 +0100</pubDate>
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			<title>Building Permits &amp; Zoning</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Building-Permits-Zoning-4.html</link>
			<description>How do building codes work?Building codes are established by local authorities to set out minimum public-safety standards for building design,...</description>
			<pubDate>Fri, 14 Mar 2008 08:21:53 +0100</pubDate>
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			<title>Neighbor Disputes</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Neighbor-Disputes-4.html</link>
			<description>Can a condo association ban pets?A homeowners association can both enact and enforce such pet restrictions. As the following case...</description>
			<pubDate>Fri, 14 Mar 2008 08:21:28 +0100</pubDate>
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			<title>Home Insurance</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Home-Insurance-4.html</link>
			<description>What is guaranteed replacement cost insurance?Guaranteed replacement insurance is a more comprehensive policy. It tends to cost more, but it...</description>
			<pubDate>Fri, 14 Mar 2008 08:20:57 +0100</pubDate>
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			<title>Improving Your Real Estate</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Improving-Your-Home-Insurance-Real-Estate-4.html</link>
			<description>How do you increase the value of your property?The biggest factor that can affect property value - market conditions -...</description>
			<pubDate>Fri, 14 Mar 2008 08:20:17 +0100</pubDate>
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			<title>Homeowner Associations</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Home-Insurance-Homeowner-Associations-4.html</link>
			<description>Do condos have to be made accessible to the disabled?The 1990 Americans with Disabilities Act does not require strictly residential...</description>
			<pubDate>Fri, 14 Mar 2008 08:19:41 +0100</pubDate>
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			<title>Hiring a Contractor</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Hiring-an-Albany-NY-Contractor-4.html</link>
			<description>What are some guidelines to follow when trying to find a contractor?While hiring contractors recommended by friends is usually a...</description>
			<pubDate>Fri, 14 Mar 2008 08:18:58 +0100</pubDate>
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			<title>Fixer-Upper Loans</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Fixer-Upper-Loans-4.html</link>
			<description>Are there gov&amp;#39;t programs for rehab?The U.S. Department of Housing and Urban Development&amp;#39;s Section 203 (K) rehabilitation loan program is...</description>
			<pubDate>Fri, 14 Mar 2008 08:17:46 +0100</pubDate>
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			<title>Other Ownership Issues, Whom to Contact</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Other-Albany-NY-Ownership-Issues-Whom-to-Contact-4.html</link>
			<description>Where do I get information on homes with historic value?For information about homes with historic value, contact the National Trust...</description>
			<pubDate>Fri, 14 Mar 2008 08:17:11 +0100</pubDate>
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			<title>Maintaining &amp; Improving, Whom to Contact</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Maintaining-Improving-in-Albany-NY-Whom-to-Contact-in-Albany-NY-4.html</link>
			<description>Where can I get a list of architects?If you need an architect, contact a local chapter of the American Institute...</description>
			<pubDate>Fri, 14 Mar 2008 08:16:21 +0100</pubDate>
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			<title>Home Price Appreciation</title>
			<link>http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Owning-Your-Home/Albany-NY-Home-Price-Appreciation-4.html</link>
			<description>What is the difference between market value and appraised value?The appraised value of a house is a certified appraiser&amp;#39;s opinion...</description>
			<pubDate>Fri, 14 Mar 2008 08:15:48 +0100</pubDate>
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