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	<title>Pete Czech &#187; NJ</title>
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	<link>http://www.peteczech.com</link>
	<description>Web guru, developer, CTO, theorist, idea generator, social media enthusiast and entrepreneur.</description>
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		<title>Refinancing Disaster: Why the Mortgage System is Totally F*****D</title>
		<link>http://www.peteczech.com/2011/03/21/refinancing-disaster-why-the-mortgage-system-is-totally-fd/</link>
		<comments>http://www.peteczech.com/2011/03/21/refinancing-disaster-why-the-mortgage-system-is-totally-fd/#comments</comments>
		<pubDate>Mon, 21 Mar 2011 23:42:39 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[toxic assets]]></category>

		<guid isPermaLink="false">http://www.peteczech.com/?p=455</guid>
		<description><![CDATA[I&#8217;m sitting here looking over my most recent house appraisal.  It&#8217;s down 15% from what we paid about 6 years ago.  Because of this, I can&#8217;t refinance my loan.  The real pisser here is that the appraisal is down because there simply aren&#8217;t any comparable sales in my town &#8211; I truly suspect if I [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Lunar Eclipse Photos: 12/21/10</title>
		<link>http://www.peteczech.com/2010/12/21/lunar-eclipse-photos-122110/</link>
		<comments>http://www.peteczech.com/2010/12/21/lunar-eclipse-photos-122110/#comments</comments>
		<pubDate>Wed, 22 Dec 2010 00:19:00 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>

		<guid isPermaLink="false">http://www.peteczech.com/?p=380</guid>
		<description><![CDATA[Here are some photos from this mornings eclipse.  Taken from my backyard in Rutherford, NJ, I used my Nikon D200, tripod mounted, with a Sigma 70-200 f2.8 with 1.4x teleconverter and a cable release:]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Advice on NJ Speeding Tickets (Not quite how to beat them)</title>
		<link>http://www.peteczech.com/2008/05/22/advice-on-nj-speeding-tickets-not-quite-how-to-beat-them/</link>
		<comments>http://www.peteczech.com/2008/05/22/advice-on-nj-speeding-tickets-not-quite-how-to-beat-them/#comments</comments>
		<pubDate>Thu, 22 May 2008 13:54:28 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>
		<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.peteczech.com/2008/05/22/advice-on-nj-speeding-tickets-not-quite-how-to-beat-them/</guid>
		<description><![CDATA[So, people who know me would say that occasionally I have a speed problem.  Recently I was caught in a neighboring town going 16 over the limit.  In NJ, we have a point system and this ticket was worth 4 points.  That&#8217;s pretty big, most smaller violations are 2. What most people will do is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Garrett Mountain, 2</title>
		<link>http://www.peteczech.com/2007/11/19/garrett-mountain-2/</link>
		<comments>http://www.peteczech.com/2007/11/19/garrett-mountain-2/#comments</comments>
		<pubDate>Tue, 20 Nov 2007 00:30:50 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>

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		<description><![CDATA[I took another trip up to get the last of the Fall Foliage shots:]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Garret Mountain</title>
		<link>http://www.peteczech.com/2007/10/26/garret-mountain/</link>
		<comments>http://www.peteczech.com/2007/10/26/garret-mountain/#comments</comments>
		<pubDate>Sat, 27 Oct 2007 03:41:45 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>

		<guid isPermaLink="false">http://www.peteczech.com/2007/10/26/garret-mountain/</guid>
		<description><![CDATA[Garret Mountain is on the border of West Paterson and Paterson. I went out there to test some equipment and get some HDR&#8217;s of the old abandonments there. Check my HDR&#8217;s out at www.njhdr.com. Here are some other shots I got that day:]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>High Point, Oct 20</title>
		<link>http://www.peteczech.com/2007/10/24/high-point-oct-20/</link>
		<comments>http://www.peteczech.com/2007/10/24/high-point-oct-20/#comments</comments>
		<pubDate>Thu, 25 Oct 2007 03:41:45 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>

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		<description><![CDATA[We took another trip up to High Point, NJ to capture some shots of the fall foliage. Not a great year for the color change, but we still got some good shots!]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Meadowlands</title>
		<link>http://www.peteczech.com/2007/10/04/meadowlands/</link>
		<comments>http://www.peteczech.com/2007/10/04/meadowlands/#comments</comments>
		<pubDate>Thu, 04 Oct 2007 22:10:17 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>
		<category><![CDATA[Portfolio]]></category>

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		<description><![CDATA[The Meadowlands in Northern NJ is actually a growing nature preserve. All sorts of fish, birds and other wildlife are slowly returning.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>High Point, NJ</title>
		<link>http://www.peteczech.com/2007/10/02/high-point-nj/</link>
		<comments>http://www.peteczech.com/2007/10/02/high-point-nj/#comments</comments>
		<pubDate>Tue, 02 Oct 2007 14:56:26 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>

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		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mill Creek Park</title>
		<link>http://www.peteczech.com/2007/09/26/mill-creek-park/</link>
		<comments>http://www.peteczech.com/2007/09/26/mill-creek-park/#comments</comments>
		<pubDate>Wed, 26 Sep 2007 16:58:18 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>
		<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.peteczech.com/2007/09/26/mill-creek-park/</guid>
		<description><![CDATA[The Mill Creek Park Trail is one of the newer parks in the Meadowlands.  It&#8217;s a great trail that is 1.5 miles long, and features hundreds of tree stumps -  an Atlantic white cedar forest once covered the Meadowlands.  Some of the trees were aged over 200 years!]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paterson Falls</title>
		<link>http://www.peteczech.com/2007/09/25/paterson-falls/</link>
		<comments>http://www.peteczech.com/2007/09/25/paterson-falls/#comments</comments>
		<pubDate>Tue, 25 Sep 2007 22:06:42 +0000</pubDate>
		<dc:creator>Pete Czech</dc:creator>
				<category><![CDATA[NJ]]></category>
		<category><![CDATA[Portfolio]]></category>

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		<description><![CDATA[Did you know that Paterson Falls are the second largest falls east of the Mississippi?]]></description>
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