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	<title>Comments on: Understanding the Basis for Prepayment Penalties</title>
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		<title>By: Loan.com Mortgage News &#187; What is a pay-option loan?</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-163875</link>
		<dc:creator>Loan.com Mortgage News &#187; What is a pay-option loan?</dc:creator>
		<pubDate>Wed, 25 Jul 2007 22:47:02 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-163875</guid>
		<description>[...] MortgagePorter has taken an interesting look at prepayment penalties as has RainyCityGuide. By doing your homework, you can forego incurred costs in the long run. [...]</description>
		<content:encoded><![CDATA[<p>[...] MortgagePorter has taken an interesting look at prepayment penalties as has RainyCityGuide. By doing your homework, you can forego incurred costs in the long run. [...]</p>
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	<item>
		<title>By: Brian Brady</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126954</link>
		<dc:creator>Brian Brady</dc:creator>
		<pubDate>Sat, 21 Apr 2007 04:20:08 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126954</guid>
		<description>I was referring to the hypothetical private money lender in Ardell&#039;s example</description>
		<content:encoded><![CDATA[<p>I was referring to the hypothetical private money lender in Ardell&#8217;s example</p>
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	<item>
		<title>By: ARDELL</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126946</link>
		<dc:creator>ARDELL</dc:creator>
		<pubDate>Sat, 21 Apr 2007 04:07:49 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126946</guid>
		<description>Joe&#039;s my Dad.  He passed when I was 19.  &quot;Joe the Hat&quot; to be exact.  I like using the name Joe.  I was a Daddy&#039;s Girl.</description>
		<content:encoded><![CDATA[<p>Joe&#8217;s my Dad.  He passed when I was 19.  &#8220;Joe the Hat&#8221; to be exact.  I like using the name Joe.  I was a Daddy&#8217;s Girl.</p>
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		<title>By: Rhonda Porter</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126891</link>
		<dc:creator>Rhonda Porter</dc:creator>
		<pubDate>Sat, 21 Apr 2007 00:58:32 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126891</guid>
		<description>FSBO Joe...you better run with that!    The domain name is taken I just checked... I would have sold it to you for cheap!   ;)</description>
		<content:encoded><![CDATA[<p>FSBO Joe&#8230;you better run with that!    The domain name is taken I just checked&#8230; I would have sold it to you for cheap!   <img src='http://raincityguide.com/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
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	<item>
		<title>By: Joe Beitey</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126875</link>
		<dc:creator>Joe Beitey</dc:creator>
		<pubDate>Fri, 20 Apr 2007 23:46:53 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126875</guid>
		<description>Ardell,

Actually, maybe I should start using my own &quot;Joe&quot; character...how about &quot;FSBO Joe&quot;...it rhymes, and is kinda&#039; catchy!!  Hmm...now to come up with story lines for him...could be fun as well as educational...I&#039;ll have to work on that.  :)</description>
		<content:encoded><![CDATA[<p>Ardell,</p>
<p>Actually, maybe I should start using my own &#8220;Joe&#8221; character&#8230;how about &#8220;FSBO Joe&#8221;&#8230;it rhymes, and is kinda&#8217; catchy!!  Hmm&#8230;now to come up with story lines for him&#8230;could be fun as well as educational&#8230;I&#8217;ll have to work on that.  <img src='http://raincityguide.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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	<item>
		<title>By: Joe Beitey</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126870</link>
		<dc:creator>Joe Beitey</dc:creator>
		<pubDate>Fri, 20 Apr 2007 23:35:04 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126870</guid>
		<description>Ardell,

I figured &quot;Joe&quot; was a character you&#039;d used previously.  When you have a generic name like, &quot;Joe&quot;, you get used to that.  BTW, you&#039;re more than welcome to continue using &quot;Joe&quot; in your hypotheticals as far as I&#039;m concerned.  

Hmmm...maybe your &quot;Joe&quot; could be your tall, dark, mild-mannered, super hero sort of character...always doing great stuff like helping old ladies across the street, saving a bus load of orphans from crashing off a bridge that&#039;s been washed out in a bad storm, or even...drum roll please...helping FSBO people straighten out their deals...woohoo!!  LOL  :)  

Hmmm...maybe he also needs a love interest....  LOL  :)</description>
		<content:encoded><![CDATA[<p>Ardell,</p>
<p>I figured &#8220;Joe&#8221; was a character you&#8217;d used previously.  When you have a generic name like, &#8220;Joe&#8221;, you get used to that.  BTW, you&#8217;re more than welcome to continue using &#8220;Joe&#8221; in your hypotheticals as far as I&#8217;m concerned.  </p>
<p>Hmmm&#8230;maybe your &#8220;Joe&#8221; could be your tall, dark, mild-mannered, super hero sort of character&#8230;always doing great stuff like helping old ladies across the street, saving a bus load of orphans from crashing off a bridge that&#8217;s been washed out in a bad storm, or even&#8230;drum roll please&#8230;helping FSBO people straighten out their deals&#8230;woohoo!!  LOL  <img src='http://raincityguide.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />   </p>
<p>Hmmm&#8230;maybe he also needs a love interest&#8230;.  LOL  <img src='http://raincityguide.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Rhonda Porter</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126866</link>
		<dc:creator>Rhonda Porter</dc:creator>
		<pubDate>Fri, 20 Apr 2007 23:25:45 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126866</guid>
		<description>Vinny might be a RCG reader... ;)

I really thought Brian was referring to Joe&#039;s question above.</description>
		<content:encoded><![CDATA[<p>Vinny might be a RCG reader&#8230; <img src='http://raincityguide.com/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
<p>I really thought Brian was referring to Joe&#8217;s question above.</p>
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	<item>
		<title>By: ARDELL</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126862</link>
		<dc:creator>ARDELL</dc:creator>
		<pubDate>Fri, 20 Apr 2007 23:14:39 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126862</guid>
		<description>LOL!  JOE!

I seriously have used Joe long before you came on the scene.  It&#039;s kind of like &quot;Joe Blow&quot;.  Sorry.

Rhonda, Joe is like any old Tom, Dick or Harry, John Doe, Joe Blow, not the highly respected attorney of mention :)

Next time I&#039;ll use &quot;Vinny&quot;.</description>
		<content:encoded><![CDATA[<p>LOL!  JOE!</p>
<p>I seriously have used Joe long before you came on the scene.  It&#8217;s kind of like &#8220;Joe Blow&#8221;.  Sorry.</p>
<p>Rhonda, Joe is like any old Tom, Dick or Harry, John Doe, Joe Blow, not the highly respected attorney of mention <img src='http://raincityguide.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>Next time I&#8217;ll use &#8220;Vinny&#8221;.</p>
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	<item>
		<title>By: Joe Beitey</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126858</link>
		<dc:creator>Joe Beitey</dc:creator>
		<pubDate>Fri, 20 Apr 2007 23:06:36 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126858</guid>
		<description>Rhonda, I thought the &quot;Joe&quot; Brian referred to was the &quot;Joe&quot; in Ardell&#039;s hypothetical, not me personally?  At least that&#039;s what I assumed.</description>
		<content:encoded><![CDATA[<p>Rhonda, I thought the &#8220;Joe&#8221; Brian referred to was the &#8220;Joe&#8221; in Ardell&#8217;s hypothetical, not me personally?  At least that&#8217;s what I assumed.</p>
]]></content:encoded>
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	<item>
		<title>By: ARDELL</title>
		<link>http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126855</link>
		<dc:creator>ARDELL</dc:creator>
		<pubDate>Fri, 20 Apr 2007 23:02:30 +0000</pubDate>
		<guid isPermaLink="false">http://raincityguide.com/2007/04/18/understanding-the-basis-for-prepayment-penalties/#comment-126855</guid>
		<description>Brian,

Sorry, I answered your 12 a long time ago, but it got lost somewhere.  Either I never it post or it&#039;s in spam heaven.</description>
		<content:encoded><![CDATA[<p>Brian,</p>
<p>Sorry, I answered your 12 a long time ago, but it got lost somewhere.  Either I never it post or it&#8217;s in spam heaven.</p>
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