<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	xmlns:georss="http://www.georss.org/georss" xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#" xmlns:media="http://search.yahoo.com/mrss/"
	>

<channel>
	<title>Wealth By Strategy</title>
	<atom:link href="http://wealthbystrategy.wordpress.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://wealthbystrategy.wordpress.com</link>
	<description>Mortgage Planning in California For Your Family's Future</description>
	<lastBuildDate>Thu, 26 Jan 2012 18:39:35 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.com/</generator>
<cloud domain='wealthbystrategy.wordpress.com' port='80' path='/?rsscloud=notify' registerProcedure='' protocol='http-post' />
<image>
		<url>http://s2.wp.com/i/buttonw-com.png</url>
		<title>Wealth By Strategy</title>
		<link>http://wealthbystrategy.wordpress.com</link>
	</image>
	<atom:link rel="search" type="application/opensearchdescription+xml" href="http://wealthbystrategy.wordpress.com/osd.xml" title="Wealth By Strategy" />
	<atom:link rel='hub' href='http://wealthbystrategy.wordpress.com/?pushpress=hub'/>
		<item>
		<title>All In One Plan &#8211; the tool to save you tens of thousands of dollars in interest.</title>
		<link>http://wealthbystrategy.wordpress.com/2011/06/21/all-in-one-plan-the-tool-to-save-you-tens-of-thousands-of-dollars-in-interest/</link>
		<comments>http://wealthbystrategy.wordpress.com/2011/06/21/all-in-one-plan-the-tool-to-save-you-tens-of-thousands-of-dollars-in-interest/#comments</comments>
		<pubDate>Tue, 21 Jun 2011 22:40:29 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
		
		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=206</guid>
		<description><![CDATA[The world is changing too fast but sometimes the change can be very beneficial to the consumer. What if you had a mortgage with a bank and at that same bank you had your liquid savings. Your saving are just sitting there, separate from your retirement and long term investments, and earning you, what savings, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=206&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2011/06/21/all-in-one-plan-the-tool-to-save-you-tens-of-thousands-of-dollars-in-interest/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>

		<media:content url="http://wealthbystrategy.files.wordpress.com/2011/06/pur0b7cf2d2541cb33b.jpg?w=150" medium="image">
			<media:title type="html">pur0b7cf2d2541cb33b</media:title>
		</media:content>
	</item>
		<item>
		<title>A Good Idea from WSJ!</title>
		<link>http://wealthbystrategy.wordpress.com/2009/12/30/a-good-idea-from-wsj/</link>
		<comments>http://wealthbystrategy.wordpress.com/2009/12/30/a-good-idea-from-wsj/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 16:49:21 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>

		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=165</guid>
		<description><![CDATA[This morning I was reading the WSJ (Wall Street Journal for those who have already started on New Year&#8217;s Eve) and saw something that I thought worth copying for you.  In an article by Karen Blumenthal called How To Fix Your Finances in 2010, she had this section on setting benchmark dates to get better [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=165&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2009/12/30/a-good-idea-from-wsj/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>

		<media:content url="http://wealthbystrategy.files.wordpress.com/2009/12/index.jpg" medium="image">
			<media:title type="html">index</media:title>
		</media:content>
	</item>
		<item>
		<title>What Makes Mortgage Interest Rates Move and Who Should You Trust? (Part I)</title>
		<link>http://wealthbystrategy.wordpress.com/2009/12/04/what-makes-mortgage-interest-rates-move-and-who-should-you-trust-part-i/</link>
		<comments>http://wealthbystrategy.wordpress.com/2009/12/04/what-makes-mortgage-interest-rates-move-and-who-should-you-trust-part-i/#comments</comments>
		<pubDate>Fri, 04 Dec 2009 20:27:45 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>

		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=157</guid>
		<description><![CDATA[Many a client has called my office in Pleasanton asking for me to guarantee that they will get the best mortgage interest rate – frankly, I can try but no one can ever guarantee the best rate.  First you must define the best rate – for the hour, for the day, for the week or [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=157&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2009/12/04/what-makes-mortgage-interest-rates-move-and-who-should-you-trust-part-i/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>

		<media:content url="http://wealthbystrategy.files.wordpress.com/2009/12/tn_president_richa.jpg" medium="image">
			<media:title type="html">TN_president_richA</media:title>
		</media:content>
	</item>
		<item>
		<title>If You Ever Think You Are Going To Get Out Of Debt&#8230;</title>
		<link>http://wealthbystrategy.wordpress.com/2009/11/28/if-you-ever-think-you-are-going-to-get-out-of-debt/</link>
		<comments>http://wealthbystrategy.wordpress.com/2009/11/28/if-you-ever-think-you-are-going-to-get-out-of-debt/#comments</comments>
		<pubDate>Sat, 28 Nov 2009 23:53:46 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>

		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=150</guid>
		<description><![CDATA[Thanks to my friend Ron Vyse from Wells Fargo Bank, I am putting up this link to the United States Debt Clock.  You will find it amazing to know how much you owe.  http://www.usdebtclock.org David Walden  (925) 426-8383 ext 26<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=150&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2009/11/28/if-you-ever-think-you-are-going-to-get-out-of-debt/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>
	</item>
		<item>
		<title>Plan Your Debt</title>
		<link>http://wealthbystrategy.wordpress.com/2009/11/25/144/</link>
		<comments>http://wealthbystrategy.wordpress.com/2009/11/25/144/#comments</comments>
		<pubDate>Wed, 25 Nov 2009 23:06:45 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>

		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=144</guid>
		<description><![CDATA[What a silly statement – I always plan my debt!  Well that is not always true and here is why.  In most cases, you have a mortgage, credit cards, loans for autos, boats and recreational vehicles, lines of credit and other types of debt but do you really plan how you are going to pay [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=144&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2009/11/25/144/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>

		<media:content url="http://wealthbystrategy.files.wordpress.com/2009/11/wealthneon.gif" medium="image">
			<media:title type="html">WealthNeon</media:title>
		</media:content>
	</item>
		<item>
		<title>Diversified Mortgage Group Comes To Fruition</title>
		<link>http://wealthbystrategy.wordpress.com/2009/11/25/diversified-mortgage-group-comes-to-fruition/</link>
		<comments>http://wealthbystrategy.wordpress.com/2009/11/25/diversified-mortgage-group-comes-to-fruition/#comments</comments>
		<pubDate>Wed, 25 Nov 2009 22:25:13 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>

		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=134</guid>
		<description><![CDATA[Through some maneuvering that has taken place in the last few weeks, a new name has hit the mortgage horizon &#8211; Diversified Mortgage Group.  DMG is just a new name though for the separation of the Pleasanton and Fremont offices of Diversified Capital Funding.  DMG still has preferred lender status with the wholesale departments of [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=134&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2009/11/25/diversified-mortgage-group-comes-to-fruition/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>

		<media:content url="http://wealthbystrategy.files.wordpress.com/2009/11/dmgforweb.jpg?w=150" medium="image">
			<media:title type="html">DMGforweb</media:title>
		</media:content>
	</item>
		<item>
		<title>An Innovative Strategy That Helps Close The Deal</title>
		<link>http://wealthbystrategy.wordpress.com/2009/10/20/an-innovative-strategy-that-helps-close-the-deal/</link>
		<comments>http://wealthbystrategy.wordpress.com/2009/10/20/an-innovative-strategy-that-helps-close-the-deal/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 20:16:03 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>

		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=114</guid>
		<description><![CDATA[In this challenging time, one must keep up or be lost.  Ingenious strategies are critical to make sure your buyers, Realtor partners and sellers are on top of anything that will help them with their goals. A strategy, although not new – just not used much, is the Permanent Seller Buy Down Strategy that helps [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=114&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2009/10/20/an-innovative-strategy-that-helps-close-the-deal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>

		<media:content url="http://wealthbystrategy.files.wordpress.com/2009/10/samp78371051a1fc76bb4.jpg?w=150" medium="image">
			<media:title type="html">Get Your Tax Deduction Here</media:title>
		</media:content>
	</item>
		<item>
		<title>Lenders Want More and If You Want The Loan &#8211; Give It To Them</title>
		<link>http://wealthbystrategy.wordpress.com/2009/10/13/lenders-want-more-and-if-you-want-the-loan-give-it-to-them/</link>
		<comments>http://wealthbystrategy.wordpress.com/2009/10/13/lenders-want-more-and-if-you-want-the-loan-give-it-to-them/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 21:56:28 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>

		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=111</guid>
		<description><![CDATA[Recently I have had a few mortgage clients balk at providing full documentation to qualify for a mortgage loan.  Their comment usually is, “I have had many mortgage loans and no one has ever asked for ________ before.  This is absolutely ridiculous”.  Well folks, times have changed. There is no more “stated income” unless maybe [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=111&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2009/10/13/lenders-want-more-and-if-you-want-the-loan-give-it-to-them/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>

		<media:content url="http://wealthbystrategy.files.wordpress.com/2009/10/sampfb4554cce88ec27c.jpg?w=150" medium="image">
			<media:title type="html">Paperwork Soup</media:title>
		</media:content>
	</item>
		<item>
		<title>Five Step Cash Flow Model</title>
		<link>http://wealthbystrategy.wordpress.com/2009/01/04/five-step-cash-flow-model/</link>
		<comments>http://wealthbystrategy.wordpress.com/2009/01/04/five-step-cash-flow-model/#comments</comments>
		<pubDate>Sun, 04 Jan 2009 20:56:50 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=52</guid>
		<description><![CDATA[&#160; &#160; In our consultation, I refer to the Five-Step Cash Flow Priority Model. It was designed as a very conservative common sense formula to manage cash flow priorities. It is a simple but very effective model to achieve financial freedom. Financial Freedom comes from either good planning, plus conscientious saving and investing OR you [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=52&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2009/01/04/five-step-cash-flow-model/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>

		<media:content url="http://wealthbystrategy.files.wordpress.com/2009/01/coinstack.jpg?w=113" medium="image">
			<media:title type="html">coinstack</media:title>
		</media:content>
	</item>
		<item>
		<title>How Your Kids Learn About Money</title>
		<link>http://wealthbystrategy.wordpress.com/2009/01/02/how-your-kids-learn-about-money/</link>
		<comments>http://wealthbystrategy.wordpress.com/2009/01/02/how-your-kids-learn-about-money/#comments</comments>
		<pubDate>Fri, 02 Jan 2009 22:43:00 +0000</pubDate>
		<dc:creator>David Walden</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[kids]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://wealthbystrategy.wordpress.com/?p=30</guid>
		<description><![CDATA[I was listening to a conference call recently with Gibran Nicholas of CMPS and Rick Kahler, a financial planner and author.  They were talking about learning and the question came up about how your kids learn about finances.We all know that there is little that the kids learn in school today about finances, so where [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=wealthbystrategy.wordpress.com&amp;blog=5806587&amp;post=30&amp;subd=wealthbystrategy&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://wealthbystrategy.wordpress.com/2009/01/02/how-your-kids-learn-about-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/656ef16fc79e7ef18c4cb49548123f08?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">dwalden</media:title>
		</media:content>

		<media:content url="http://wealthbystrategy.files.wordpress.com/2009/01/moneyforweb2.jpg?w=96" medium="image">
			<media:title type="html">moneyforweb2</media:title>
		</media:content>
	</item>
	</channel>
</rss>
