<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress.com" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:mobile="http://www.google.com/schemas/sitemap-mobile/1.0" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>http://mattsmemos.com/2012/05/31/video-post-the-blue-waters-group-office-grand-opening-event/</loc><mobile:mobile></mobile:mobile><lastmod>2012-05-31T13:22:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2012/04/03/big-news-ive-started-my-own-company/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2012/04/blue_waters_logo.jpg</image:loc><image:title>blue_waters_logo</image:title><image:caption>The Blue Waters Group</image:caption></image><lastmod>2012-04-03T10:12:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/february-2008-living-in-gratitude/</loc><mobile:mobile></mobile:mobile><lastmod>2012-03-19T06:24:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/amazing-refinance-possibilitiesa-must-read/</loc><mobile:mobile></mobile:mobile><lastmod>2012-03-19T06:23:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/what-matts-clients-are-saying/</loc><mobile:mobile></mobile:mobile><lastmod>2012-03-19T06:19:14+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://mattsmemos.com/about/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/03/dsc_0129-2.jpg</image:loc><image:title>DSC_0129 (2)</image:title></image><lastmod>2012-03-19T06:15:10+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://mattsmemos.com/2012/02/03/you-helped-me-win-a-prestigous-award/</loc><mobile:mobile></mobile:mobile><lastmod>2012-04-11T16:07:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/11/04/getting-in-tune-with-harp-2-0/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2011/11/home-affordable-refinance.jpg</image:loc><image:title>Home-Affordable-Refinance</image:title></image><lastmod>2011-11-04T22:12:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/11/01/could-30-year-rates-go-to-3-or-3-5/</loc><mobile:mobile></mobile:mobile><lastmod>2011-11-03T16:42:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/10/24/a-little-less-conversation-a-little-more-action-please/</loc><mobile:mobile></mobile:mobile><lastmod>2011-11-18T06:45:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/07/21/average-investments-yield-amazing-returns/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-26T16:09:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/07/21/real-estate-investors-to-dominate-the-market/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-21T17:48:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/07/21/renters-see-prices-skyrocket/</loc><mobile:mobile></mobile:mobile><lastmod>2011-07-21T17:46:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/05/24/do-you-need-a-real-estate-savior-or-sherpa/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2011/05/mount-everest-2.jpg</image:loc><image:title>Mount Everest 2</image:title></image><lastmod>2011-05-18T22:59:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/05/18/read-beyond-the-headlines/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2011/05/sar-graph-5_11.gif</image:loc><image:title>SAR Graph 5_11</image:title></image><lastmod>2011-05-25T18:56:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/03/16/got-inspiration/</loc><mobile:mobile></mobile:mobile><lastmod>2011-03-17T15:16:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/02/14/2011-real-estate-market-forecast/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2011/02/money-heart-4.jpg</image:loc><image:title>money-heart-4</image:title></image><lastmod>2011-02-14T18:27:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/01/26/learn-from-our-neighbors/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2011/01/flags.jpg</image:loc><image:title>flags</image:title><image:caption>Canadian banks were recently named the best in the World by the World Economic Forum.  The U.S. should look north to learn from their achievements, and our mistakes.</image:caption></image><lastmod>2011-01-27T00:52:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2011/01/05/want-to-play-monopoly/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2011/01/mr_monopoly_running.jpg</image:loc><image:title>Monopoly</image:title><image:caption>Those with means and foresight are running to play real-life Monopoly in today's economy</image:caption></image><lastmod>2011-02-15T00:38:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/12/16/got-accountability/</loc><mobile:mobile></mobile:mobile><lastmod>2010-12-02T21:49:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/11/30/pick-up-the-pace-on-your-mortgage/</loc><mobile:mobile></mobile:mobile><lastmod>2010-11-30T18:29:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/09/17/4th-quarter-is-crunch-time/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2010/09/jordan-shot.jpg</image:loc><image:title>Jordan Shot</image:title><image:caption>Michael Jordan hitting one of the most famous Crunch-Time shots in NBA history</image:caption></image><lastmod>2010-09-17T21:34:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/08/10/the-fine-line-between-caution-fear/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2010/08/dsc_0838.jpg</image:loc><image:title>Maddison jump</image:title></image><lastmod>2010-08-11T17:54:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/06/22/no-cost-free-refinances-are-back/</loc><mobile:mobile></mobile:mobile><lastmod>2010-06-22T21:18:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/06/16/being-professional-means-being-personal/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2010/06/trust2.jpg</image:loc><image:title>trust2</image:title></image><lastmod>2010-07-05T17:46:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/04/02/cheap-mortgages-may-last-as-investors-replace-fed/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2010/04/ben-4_2010.jpg</image:loc><image:title>ben 4_2010</image:title></image><lastmod>2010-05-28T19:19:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/05/04/good-advice-is-not-static/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2010/05/04-13-10-052.jpg</image:loc><image:title>04 13 10 052</image:title></image><lastmod>2010-05-28T18:57:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/03/22/its-the-climb/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2010/03/mount20kilimanjaro.jpg</image:loc><image:title>Mount%20Kilimanjaro</image:title></image><lastmod>2010-05-28T18:55:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/03/29/more-tax-credits-available-for-california-home-buyers-but-you-better-act-fast/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2010/03/arnold-signing-bill.jpg</image:loc><image:title>arnold signing bill</image:title></image><lastmod>2010-03-30T04:40:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/03/16/only-22-of-california-consumers-were-happy-with-their-real-estate-agent-in-2009-wow/</loc><mobile:mobile></mobile:mobile><lastmod>2010-03-16T16:59:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/02/04/5-reasons-5-reasons-why-refinancing-may-be-a-good-option-now/</loc><mobile:mobile></mobile:mobile><lastmod>2010-08-11T18:06:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/02/17/matts-2010-market-forecast/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2010/02/for-sale-graph.jpg</image:loc><image:title>For Sale graph</image:title></image><lastmod>2010-02-17T23:16:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/01/25/what-does-your-bumper-sticker-say/</loc><mobile:mobile></mobile:mobile><lastmod>2010-01-26T03:52:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2010/01/07/even-more-tax-credits-for-california-home-buyers-on-the-way/</loc><mobile:mobile></mobile:mobile><lastmod>2010-01-08T00:49:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/12/02/ben-bernanke-friend-or-foe/</loc><mobile:mobile></mobile:mobile><lastmod>2009-12-02T21:38:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/11/20/look-around-within-out-to-instill-a-thankful-attitude/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/11/dsc_0369.jpg</image:loc><image:title>DSC_0369</image:title></image><lastmod>2009-12-04T06:05:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/11/05/home-buyer-tax-credit-extension-nearly-a-done-deal/</loc><mobile:mobile></mobile:mobile><lastmod>2009-11-05T16:44:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/10/06/expect-mortgage-rates-to-rise/</loc><mobile:mobile></mobile:mobile><lastmod>2009-10-06T21:46:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/10/01/mortgage-rate-rally/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/10/stock-market-trading-floor1.jpg</image:loc><image:title>stock-market-trading-floor1</image:title></image><lastmod>2009-10-01T23:37:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/09/15/waiting-for-the-market-to-bottom-out-you-may-be-too-late/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/09/home-price-chart-9_09.jpg</image:loc><image:title>Home Price Chart 9_09</image:title><image:caption>The last 9 months show a trough starting to form on Sac-town's median home price</image:caption></image><lastmod>2009-09-15T23:10:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/09/10/study-finds-walkable-neighborhoods-command-higher-prices/</loc><mobile:mobile></mobile:mobile><lastmod>2009-09-10T18:21:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/09/03/a-letter-from-spencer/</loc><mobile:mobile></mobile:mobile><lastmod>2009-09-03T21:51:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/08/31/rates-are-down-but-dont-hold-your-breath/</loc><mobile:mobile></mobile:mobile><lastmod>2009-08-31T22:14:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/08/05/opt-in-to-opt-out/</loc><mobile:mobile></mobile:mobile><lastmod>2009-08-05T22:03:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/07/27/time-management/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/07/time-management.gif</image:loc><image:title>Time Management</image:title></image><lastmod>2009-07-27T18:36:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/07/24/folsom-home-prices-remain-resilient/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/07/median-home-prices-7_09.jpg</image:loc><image:title>Median Home Prices 7_09</image:title><image:caption>Here is a history of median home prices since the market peak in August 2005</image:caption></image><lastmod>2009-07-27T18:23:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/06/10/preach-what-you-practice/</loc><mobile:mobile></mobile:mobile><lastmod>2009-06-11T01:23:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/30/win-some-learn-some/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/04/michael20phelps.jpg</image:loc><image:title>michael20phelps</image:title></image><lastmod>2009-04-30T21:39:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/16/loan-modification-opportunity-courtesy-of-president-obama/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-16T16:32:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/august-2008-challenges/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/04/snow-climb-pic.jpg</image:loc><image:title>snow-climb-pic</image:title></image><lastmod>2009-04-04T05:33:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/september-2006-dreams-fascination/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-04T05:31:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/march-2009-hurricanes/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-04T05:21:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/december-2007-life-to-do-list-revisited/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/04/320-img_0645.jpg</image:loc><image:title>320-img_0645</image:title></image><lastmod>2009-04-04T00:19:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/october-2008-setting-the-record-straight-about-credit-markets/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/04/panicbutton1.jpg</image:loc><image:title>panicbutton1</image:title></image><lastmod>2009-04-03T23:36:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/november-2008-my-favorite-quotes-from-leaders/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/04/7765_photo1_fu.jpg</image:loc><image:title>7765_photo1_fu</image:title></image><lastmod>2009-04-03T23:30:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/january-2009-my-market-forecast/</loc><mobile:mobile></mobile:mobile><image><image:loc>http://mattsmemos.files.wordpress.com/2009/04/panicbutton.jpg</image:loc><image:title>panicbutton</image:title></image><lastmod>2009-04-03T23:28:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/june-2008-get-out-therein-your-world/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T23:04:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/may-2008-get-out-therein-your-community/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T23:03:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/april-2008-get-out-there-a-la-spencer/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T23:01:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/march-2008-cest-la-vie/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T23:00:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/july-2007-working-and-playing-smart/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T22:47:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/may-2007-thanks-for-the-memories-and-great-expectations/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T22:45:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/august-2006-100-things-list/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T22:35:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/may-2006-goldilocks/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T22:34:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/october-2005-words-arent-enough/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T22:31:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/2009/04/03/june-2005-wedding-magic/</loc><mobile:mobile></mobile:mobile><lastmod>2009-04-03T22:30:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://mattsmemos.com/</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2012-05-31T13:22:24+00:00</lastmod></url></urlset>

