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	<title>Patty&#039;s &#34;All Things Real Estate&#34; Blog. &#187; Consumer</title>
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	<description>Real Estate Sales and Property Management</description>
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		<title>What color are your Roses?</title>
		<link>http://pattymanzi.com/2010/02/15/what-color-are-your-roses/</link>
		<comments>http://pattymanzi.com/2010/02/15/what-color-are-your-roses/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 03:26:59 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Consumer]]></category>

		<guid isPermaLink="false">/?p=304</guid>
		<description><![CDATA[Did you know that every rose color carries its own meaning? Take a look at the list below to see the significance of some of their various hues in your Valentine&#8217;s Day life. Red roses are classic and a popular choice since their message is an unmistakable expression of love. The color red symbolizes enduring [...]]]></description>
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		<title>Valentines Day Fun Facts</title>
		<link>http://pattymanzi.com/2010/02/14/valentines-day-fun-facts/</link>
		<comments>http://pattymanzi.com/2010/02/14/valentines-day-fun-facts/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 03:25:09 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>

		<guid isPermaLink="false">/?p=302</guid>
		<description><![CDATA[• About 1 billion Valentine’s Day cards are exchanged in the US each year. That’s the largest seasonal card-sending occasion of the year, next to Christmas. • Women purchase 85 percent of all valentines. • Parents receive 1 out of every 5 valentines. • About 3 percent of pet owners will give Valentine’s Day gifts [...]]]></description>
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		<title>Tax Planning Tips for Your 2009 Tax Returns</title>
		<link>http://pattymanzi.com/2010/02/08/tax-planning-tips-for-your-2009-tax-returns/</link>
		<comments>http://pattymanzi.com/2010/02/08/tax-planning-tips-for-your-2009-tax-returns/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 03:21:38 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Tax Info]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>

		<guid isPermaLink="false">/?p=300</guid>
		<description><![CDATA[The American Recovery &#38; Reinvestment Act makes early tax planning increasingly important. The number and complexity of the changes has prompted the IRS to release educational e-mails, videos, podcasts and other tools on a regular basis since the ARRA became law in February 2009. &#8220;With so many credits requiring you to act before a certain [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>FREE &#8216;E-WASTE&#8217; RECYCLING EVENT in San Ramon</title>
		<link>http://pattymanzi.com/2009/10/27/free-e-waste-recycling-event-in-san-ramon/</link>
		<comments>http://pattymanzi.com/2009/10/27/free-e-waste-recycling-event-in-san-ramon/#comments</comments>
		<pubDate>Tue, 27 Oct 2009 19:07:51 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Community Events]]></category>
		<category><![CDATA[Home Maintenance Tips]]></category>
		<category><![CDATA[San Ramon Real Estate]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Home Improvement]]></category>

		<guid isPermaLink="false">/?p=208</guid>
		<description><![CDATA[I wanted to alert you to a FREE recycling event that I heard about yesterday.   Universal Waste Management is hosting this event ONE DAY ONLY on Thursday, October 29, 2009 from 10:00am &#8211; 2:0pm.  It will be held in the parking lot at 2600 Camino Ramon in San Ramon&#8217;s Bishop Ranch. Here is a list of [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Halloween Safety Tips</title>
		<link>http://pattymanzi.com/2009/10/21/halloween-safety-tips/</link>
		<comments>http://pattymanzi.com/2009/10/21/halloween-safety-tips/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 03:48:27 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Community Events]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Consumer]]></category>

		<guid isPermaLink="false">/?p=203</guid>
		<description><![CDATA[Halloween is just around the corner and here are some tips to help you and your kids have a safer Halloween party or Trick-or-Treating experience.   Keep candles and jack-o-lanterns away from curtains, decorations, and other combustibles. Never leave candles unattended. Make sure indoor or outdoor lights have been tested for safety by a recognized testing [...]]]></description>
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		<title>Be an informed Buyer!</title>
		<link>http://pattymanzi.com/2009/10/13/be-an-informed-buyer/</link>
		<comments>http://pattymanzi.com/2009/10/13/be-an-informed-buyer/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 01:32:38 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Real Estate Info]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Pleasanton Real Estate]]></category>

		<guid isPermaLink="false">/?p=198</guid>
		<description><![CDATA[If you are thinking of buying a home in the near future, one thing you need to know about is all of the paperwork that you will need to sign!  Many times people will rely on the real estate agent to tell them what is in the contract before they sign it, but it is the [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>It takes more than a down-payment to buy a home.</title>
		<link>http://pattymanzi.com/2009/10/10/it-takes-more-than-a-down-payment-to-buy-a-home/</link>
		<comments>http://pattymanzi.com/2009/10/10/it-takes-more-than-a-down-payment-to-buy-a-home/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 05:40:47 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Buying Real Estate]]></category>
		<category><![CDATA[Credit Report Information]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">/?p=194</guid>
		<description><![CDATA[I talk to lots of people about buying homes.  Not long ago I was talking to a newlywed couple and they mentioned they wanted to buy a house and they were saving for a down-payment.  I then asked them what else they were doing to prepare for the home purchase.  They looked at me with [...]]]></description>
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		<title>FREE ANNUAL CREDIT REPORT</title>
		<link>http://pattymanzi.com/2009/10/02/free-annual-credit-report-2/</link>
		<comments>http://pattymanzi.com/2009/10/02/free-annual-credit-report-2/#comments</comments>
		<pubDate>Fri, 02 Oct 2009 15:13:55 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[Credit Report Information]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">/?p=190</guid>
		<description><![CDATA[As we head into the 4th quarter of 2009 I want to  remind you that each year you are eligible to receive a FREE copy of your consumer credit report from each of the three major credit bureaus.  TransUnion, Experian, and Equifax will provide these to you at NO CHARGE.  So if you haven&#8217;t done so [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>National Do Not Call Registry</title>
		<link>http://pattymanzi.com/2009/09/28/national-do-not-call-registry/</link>
		<comments>http://pattymanzi.com/2009/09/28/national-do-not-call-registry/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 17:24:02 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Consumer]]></category>

		<guid isPermaLink="false">/?p=186</guid>
		<description><![CDATA[Tired of receiving those pesky telemarketing calls?  Are you now starting to receive them on your cell phone &#38; fax lines too?  Go to the National Do Not Call Registry at www.donotcall.gov and register all of your phone numbers.  For all parents of young children with cell phones, its a good idea to register their [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Drinking as a marketing tool?</title>
		<link>http://pattymanzi.com/2009/09/14/drinking-as-a-marketing-tool/</link>
		<comments>http://pattymanzi.com/2009/09/14/drinking-as-a-marketing-tool/#comments</comments>
		<pubDate>Mon, 14 Sep 2009 19:42:59 +0000</pubDate>
		<dc:creator>Patty Manzi</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[Home Improvement]]></category>

		<guid isPermaLink="false">/?p=181</guid>
		<description><![CDATA[I was driving from an appointment today and I found myself next to a truck colorfully decorated with a business name.  It had lettering of all colors on every side of the vehicle.  Happy{name deleted}&#8217;s Carpet &#38; Linoleum, phone numbers &#38; website address.  It was very eye-catching.  As the truck passed me, I noticed the &#8216;tag line&#8217; [...]]]></description>
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