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	<title>Indianapolis Mortgage &#124; Refinance Indianapolis &#124; Hard Working Mortgage Guy</title>
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	<link>http://www.hardworkingmortgageguy.com</link>
	<description>Indianapolis Mortgages, Refinance, Low Closing Costs, Low Interest Rates</description>
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		<title>Energy efficiency upgrade and your income taxes!</title>
		<link>http://www.hardworkingmortgageguy.com/2012/03/12/energy-efficiency-taxes/</link>
		<comments>http://www.hardworkingmortgageguy.com/2012/03/12/energy-efficiency-taxes/#comments</comments>
		<pubDate>Mon, 12 Mar 2012 14:21:33 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[energy efficiency]]></category>
		<category><![CDATA[Income tax]]></category>
		<category><![CDATA[Jay Horn]]></category>

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		<description><![CDATA[You see the ads about how energy efficiency improvements and how they can lower your income taxes. In this video Rick Ripma and Jay Horn, Partner, Meridian CPA&#8217;s discuss how this tax break works and how it might benefit you.]]></description>
			<content:encoded><![CDATA[<p>You see the ads about how energy efficiency improvements and how they can lower your income taxes. In this video Rick Ripma and Jay Horn, Partner, Meridian CPA&#8217;s discuss how this tax break works and how it might benefit you.</p>
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		<title>Are Discount Point Tax Deductible</title>
		<link>http://www.hardworkingmortgageguy.com/2012/03/09/discount-point-tax-deductible/</link>
		<comments>http://www.hardworkingmortgageguy.com/2012/03/09/discount-point-tax-deductible/#comments</comments>
		<pubDate>Sat, 10 Mar 2012 01:51:56 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Discount points]]></category>
		<category><![CDATA[Jay Horn]]></category>
		<category><![CDATA[taxs]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1664</guid>
		<description><![CDATA[If you finance a home and pay discount points can you deduct them on your income taxes? Listen in as Rick Ripma and Jay Horn, Partner, Meridian CPA&#8217;s, talk about you might be able to write off your discount points.]]></description>
			<content:encoded><![CDATA[<p>If you finance a home and pay discount points can you deduct them on your income taxes? Listen in as Rick Ripma and Jay Horn, Partner, Meridian CPA&#8217;s, talk about you might be able to write off your discount points.</p>
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		<title>What are the tax benefits of owning a home?</title>
		<link>http://www.hardworkingmortgageguy.com/2012/03/07/tax-benefits-owning-home/</link>
		<comments>http://www.hardworkingmortgageguy.com/2012/03/07/tax-benefits-owning-home/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 15:45:34 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Purchase Mortgage]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[Jay Horn]]></category>
		<category><![CDATA[Tax Benefits]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1654</guid>
		<description><![CDATA[Everyone tells you about the great tax savings owning a home generates. Listen in as Jay Horn Meridian CPA&#8217;s explains how you can save on your taxes by owning a home.]]></description>
			<content:encoded><![CDATA[<p>Everyone tells you about the great tax savings owning a home generates. Listen in as Jay Horn Meridian CPA&#8217;s explains how you can save on your taxes by owning a home.</p>
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		<title>Jay Horn Explains the Minimum Alternative Tax</title>
		<link>http://www.hardworkingmortgageguy.com/2012/03/05/jay-horn-explains-minimum-alternative-tax/</link>
		<comments>http://www.hardworkingmortgageguy.com/2012/03/05/jay-horn-explains-minimum-alternative-tax/#comments</comments>
		<pubDate>Mon, 05 Mar 2012 15:25:02 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Alternative Minimum Tax]]></category>
		<category><![CDATA[Income tax]]></category>
		<category><![CDATA[Jay Horn]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1598</guid>
		<description><![CDATA[What is the Minimum Alternative Tax and how can it affect you. Jay Horn, Partner, Meridian CPA&#8217;s explains this tax and how it came about and how it may change in the future.]]></description>
			<content:encoded><![CDATA[<p>What is the Minimum Alternative Tax and how can it affect you. Jay Horn, Partner, Meridian CPA&#8217;s explains this tax and how it came about and how it may change in the future.</p>
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		<title>How does a 2nd mortgage affect taxes?</title>
		<link>http://www.hardworkingmortgageguy.com/2012/03/02/2nd-mortgage-affect-taxes/</link>
		<comments>http://www.hardworkingmortgageguy.com/2012/03/02/2nd-mortgage-affect-taxes/#comments</comments>
		<pubDate>Fri, 02 Mar 2012 16:40:04 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[HELOC/2nd Mort]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[HELOC]]></category>
		<category><![CDATA[Income Taxes]]></category>
		<category><![CDATA[Indianapolis CPA]]></category>
		<category><![CDATA[Rick Ripma]]></category>
		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1591</guid>
		<description><![CDATA[Can you deducted the interest paid on your second mortgage or home equity line of credit. In this video Rick Ripma &#8216;Your Hard Working Mortgage Guy&#8217; and Jay Horn, Partner, Meridian CPA&#8217;s discuss when you can deduct both second mortgage interest and home equity line of credit.]]></description>
			<content:encoded><![CDATA[<p>Can you deducted the interest paid on your second mortgage or home equity line of credit. In this video Rick Ripma &#8216;Your Hard Working Mortgage Guy&#8217; and Jay Horn, Partner, Meridian CPA&#8217;s discuss when you can deduct both second mortgage interest and home equity line of credit.</p>
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		<title>When to buy for maximum tax benefit</title>
		<link>http://www.hardworkingmortgageguy.com/2012/02/29/buy-maximum-tax-benefit/</link>
		<comments>http://www.hardworkingmortgageguy.com/2012/02/29/buy-maximum-tax-benefit/#comments</comments>
		<pubDate>Wed, 29 Feb 2012 14:55:04 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Purchase Mortgage]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Buy Home]]></category>
		<category><![CDATA[Tax Benefits]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1586</guid>
		<description><![CDATA[You&#8217;ve heard about the income tax benefits of owning a home. But does it matter when you buy the home to gain these tax benefits. Watch this vide as Jay Horn, Partner Meridian CPA&#8217;s.]]></description>
			<content:encoded><![CDATA[<p>You&#8217;ve heard about the income tax benefits of owning a home. But does it matter when you buy the home to gain these tax benefits. Watch this vide as Jay Horn, Partner Meridian CPA&#8217;s.</p>
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		<title>Do you have to pay taxes on sale of your home?</title>
		<link>http://www.hardworkingmortgageguy.com/2012/02/27/taxes-sale-home/</link>
		<comments>http://www.hardworkingmortgageguy.com/2012/02/27/taxes-sale-home/#comments</comments>
		<pubDate>Mon, 27 Feb 2012 14:58:04 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Home Sale]]></category>
		<category><![CDATA[Sale of Home]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1562</guid>
		<description><![CDATA[Do you have to pay income taxes on the sale of your home. Watch this video as Jay Horn, Partner, Meridian CPAs explains if and when you maybe required to pay taxes on the sale of your home.]]></description>
			<content:encoded><![CDATA[<p>Do you have to pay income taxes on the sale of your home. Watch this video as Jay Horn, Partner, Meridian CPAs explains if and when you maybe required to pay taxes on the sale of your home.</p>
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		<item>
		<title>USB to USB Escrow</title>
		<link>http://www.hardworkingmortgageguy.com/2012/02/24/usb-usb-escrow/</link>
		<comments>http://www.hardworkingmortgageguy.com/2012/02/24/usb-usb-escrow/#comments</comments>
		<pubDate>Fri, 24 Feb 2012 13:04:53 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Refinance Mortgage]]></category>
		<category><![CDATA[Union Savings to Union Savings Escrow setup]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1549</guid>
		<description><![CDATA[How does your escrow work when refinancing your Union Savings Bank to a new Union Savings Bank mortgage.]]></description>
			<content:encoded><![CDATA[<p>How does your escrow work when refinancing your Union Savings Bank to a new Union Savings Bank mortgage.</p>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Mortgage rates, where are they going?</title>
		<link>http://www.hardworkingmortgageguy.com/2011/12/02/mortgage-rates-where-are-they-going/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/12/02/mortgage-rates-where-are-they-going/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 17:42:50 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1469</guid>
		<description><![CDATA[Have you wondered where mortgage rates are going. Listen in as TeeBill and Purrime discuss what they think of mortgage rates.]]></description>
			<content:encoded><![CDATA[<p>Have you wondered where mortgage rates are going. Listen in as TeeBill and Purrime discuss what they think of mortgage rates.</p>
]]></content:encoded>
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		<title>Should you lock your interest rate today?</title>
		<link>http://www.hardworkingmortgageguy.com/2011/11/30/should-you-lock-your-interest-rate-today/</link>
		<comments>http://www.hardworkingmortgageguy.com/2011/11/30/should-you-lock-your-interest-rate-today/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 18:02:18 +0000</pubDate>
		<dc:creator>rripma</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[lock rate]]></category>
		<category><![CDATA[Purrime]]></category>
		<category><![CDATA[Rick Ripma]]></category>
		<category><![CDATA[TeeBill]]></category>

		<guid isPermaLink="false">http://www.hardworkingmortgageguy.com/?p=1464</guid>
		<description><![CDATA[Did you lock your interest rate. Listen to TeeBill and Purrime talk about locking your mortgage rate.]]></description>
			<content:encoded><![CDATA[<p>Did you lock your interest rate. Listen to TeeBill and Purrime talk about locking your mortgage rate.</p>
]]></content:encoded>
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