Real Estate Market - What Led to the 2008 Real Estate Market Collapse?

Many experts had predicted the present crash in the real estate market. Despite this most people were caught unawares and were stunned when the opportunistic market started to collapse like a house of cards.

The crash in the real estate market followed the collapse of the sub-prime market. This was the cause of sudden foreclosure of innumerable companies. Those which are not forced to close business endured billions of dollars in losses. Homeowners have been adversely affected by the news reports regarding sub-prime markets' fall and yet many fail to understand the exact impact it has had on them, and why this has happened to them.

Sub-prime mortgages have been highly beneficial to many property buyers in the last few years. Even those who did not have good credibility could easily get sub-prime mortgages to invest in the real estate scenario to make a fast buck. Buyers with bad credit histories got these loans easily as the guidelines governing them were lax and did not follow stringent quality control. The lenders were also happy doing this as they could easily charge higher rates of interest when they sanctioned mortgages to borrowers with low credits. Some speculate that the lenders were not too bothered as, in case of payment defaults they could always make a foreclosure and resell the property for a profit.

Real Estate Market - What Led to the 2008 Real Estate Market Collapse?

So where did all this money come from? The money was procured from various sources. Lenders could easily get loans at low interest which they could pass on to the borrowers at a higher interest. Some of these sources were not so simple. Many governments including the American government allow loans from central bank.

The property market was very stable and had reached an unprecedented high by 2005. This stability had a reverse effect and it had people making unrealistic projections about the future growth in real estate and soon quite a few homeowners found themselves sinking into the loan traps.

The housing market started to decline during the period 2005-2006. This period saw over enthusiastic lenders giving loans to candidates with bad credibility. The lenders were looking at mammoth profits but the bubble started to burst once the interests became north bound. Increasing interest rates led to multiple problems in the housing scene. There is no exception to the rule that north bound interest rates spell trouble in the real estate market. Low rates encourage buying whereas high rates lead to a fall in prices. During the boom builders could not build fast enough for the markets, but with rising interest rates, there was increased default in mortgage payments, leading to a fall in housing demands. By the mid 2006 the market was witnessing the beginnings of an imminent crash.

Before long, lenders could no longer generate more money from their customary sources. With lesser funds on their hands the lenders suddenly became more cautious about whom they lent money, so getting a loan became increasingly difficult for potential homebuyers. The strings started to tighten from all directions. Investors became cautious, which in turn made the borrowing parameters stringent. Homeowners, who had adjustable loans, were facing an uphill task with their mortgage payments as increased interest rates translated to bigger installments every month. It was also becoming very difficult to refinance existing loans to as underwriting guidelines made it very difficult for them to get new loans. So they could not shift to fixed interest loans to salvage their deteriorating financial conditions. The net result was that foreclosure was the only option open to them and before long the market was engulfed in a flood of foreclosures.

Real Estate Market - What Led to the 2008 Real Estate Market Collapse?
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Find out more about real estate changes in 2008 as well as the prospects of real estate market rebound in 2009 when you visit http://www.estatecrash.com, the real estate market information resource portal.

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Real Estate Introduction Letter

Dear Neighbor,

Do you know the biggest investment most people make in their lifetime? It's buying or selling their home. Shouldn't you prepare for this very important decision? How can you best prepare yourself? For most decisions of magnitude, people consult with the experts. Who knows more about real estate than a real estate agent? I make it my business to know everything about the real estate market, and buying and selling a home. I work for you, and will make sure you avoid mistakes in the process.

The first thing I recommend is finding a good real estate agent to represent you, whether you are buying or selling, and especially if you're doing both!

Real Estate Introduction Letter

I am your real estate agent who lives in Radnor Township and has expertise in the Main Line and surrounding communities. I know the area, and my goal is to be the best representative and ally I can be for my clients. My livelihood depends on it!

The second thing I recommend is for a potential home buyer to become preapproved or prequalified for a mortgage. When putting an offer in on a home, a preapproved buyer has an edge over one who isn't preapproved. Sellers obviously want to sell, and working with a preapproved buyer assures them the deal won't fall through because of financing issues. It also saves time in the process. For this reason, preapproval can help make the difference between getting your dream home, and having to keep looking.

Buying a home is a very complex process, and it's reassuring to have a knowledgeable person like me on your side. Not only will the process be smoother when you hire me, but you can avoid costly mistakes. Most sellers are represented by a realtor. Don't you want the same protection?

If you're selling your home, you want to make sure you have benefit of a Realtor® who can help you through the process. I can help make sure you find a buyer quickly, and get the best price possible for your home.

I would love to be the one to help you with this all important process. Whether you're buying or selling, or both, I can give you my advice as a professional realtor. Together, we'll get you the best possible deal, and protect your interests. I will help you make important real estate decisions, and guide you through the process. I am always available to serve you. Reach me at the attached information below.

I look forward to speaking with you soon!

Sincerely,

Real Estate Introduction Letter
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John El Hanafi
Office: (610)-520-0100
Home: (610)-990-6997
Mobile: (484)-680-2048
Fax: 610-520-1835
Voice Mail (610)-520-8560 Ext: 6653
Website: http://www.MainlineRealestate.us
Email: John@KW.Com

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Real Estate, Real Property and Leased Land; Definitions, Discussion and Explanations

Delaware, and the rest of the original British Colonies, has some land that is leased rather than owned by the residents of that land. Much of it is not evident to the casual observer.

The land on Lewes Beach is leased, not owned by the home owners. The land of Lewes Beach is owned by the Town of Lewes. The lands of Rehoboth by the Sea and Dewey Beach include leased land too. Most of the leases on that land will NOT be renewed but will return to the owners and the homes on top of that land will be removed by the home owners at their expense. Much of the land in Riverdale, on Indian River Bay, adjacent to Oak Orchard is leased as well. In Riverdale the leased land is owned by Chief Clark of the Nanticoke Indians.

We have about half the inhabitants of Sussex County living on leased land; most of that leased land is found in what people call mobile home parks or communities. However, in those communities there are seldom any homes that are truly mobile and there are even two story stick built homes on some of the leased lands in those communities. Condominiums and town houses are sometimes found on leased land as well. Some folks find all this rather difficult to understand.

Real Estate, Real Property and Leased Land; Definitions, Discussion and Explanations

We Realtors and Attorneys use the term fee simple to describe land that is being sold as real property; that is real estate. We used the term leased land or leasehold interest to describe land that is not transferring as real estate.

This rather lengthy text is regarding Leased Land, Real Estate, Private Property, Chattels, Mobile Homes, Homes on Leased Land and a legal dissertation to define, describe and determine the differences.

Terminology is important when discussing Real Estate, i.e. real property.

Black’s Law Dictionary is the recognized, definitive source for legal definitions under our American Law; which is derived from English Law

PROPERTY: In the strict legal sense, an aggregate of rights which are guaranteed and protected by government. BL6, p. 1216.

PERSONALTY: Personal property; movable property; chattels; property that is not attached to real estate. BL6, p. 1144

PROPERTY: (personal property) - In broad and general sense, everything that is the subject of ownership, not coming under the denomination of real estate. A right or interest less than a freehold in realty, or any right or interest which one has in things movable. BL6, p. 1217

Therefore personal property, is that which can be easily removed from the real estate, and is not real estate. Personal property includes crops, trees, shrubs, trailers, sheds, cars, mobile homes, manufactured homes that have a Department of Motor Vehicle title instead of a deed, and the contents of a home or building. In a home or business the personal property includes drapes, lighting fixtures, rugs (not installed carpeting) free-standing cabinets and cupboards, furniture, and all the contents of closets, drawers and buildings. Buildings without a foundation, that is sheds that are just supported by blocks are chattel property, that is personal property, and not part of the real estate. Such chattel includes dog houses and particularly the little storage buildings that are so common outside of homes today.

LANDS: In the most general sense, comprehends any ground, soil or earth whatsoever... Black's Law dictionary 6th Ed. (BL6), p.877

PRIVATE PROPERTY: As protected from being taken for public uses, is such property as belongs absolutely to an individual, and of which he has the exclusive right of disposition. Property of a specific, fixed and tangible nature, capable of being in possession and transmitted to another, such as houses, lands, and chattels. BL6, p. 1217. Private property is land, houses, and chattels. Private property is protected from being taken for public uses. Private property is owned absolutely.REAL ESTATE synonymous with real property" and p.1218 REAL PROPERTY ... A general term for lands, tenements, hereditaments (those things which are hereditary); which on the death of the owner intestate, passes to his heir." BL6, p1263

ESTATE: The degree, quantity, nature and extent of interest which a person has in REAL and PERSONAL property. An ESTATE in lands, tenements, and hereditaments signifies such interest as the tenant has therein. BL6, p.547 The definitions here all refer to: real estate = real property = estate = lands, tenements, and hereditaments. At first, one might think that ‘real property' is the proper term for 'all lands'. But it doesn't state the manner of ownership as clearly as the definition of estate. We just had a huge instance of this when the thousands of leased land lots under the homes of several thousand people, in Angola, Pots Nets, and Long Neck areas owned by the Robert Tunnel family was inherited by the children.

IN OUR AREA THERE ARE NUMEROUS LEASED LAND PROPERTIES AND THOSE PROPERTIES ARE THE REAL ESTATE OF THE OWNER OF THE LAND – NOT THE OWNER OF THE HOME WHICH IS UPON THAT LAND. If you examine the definition for ESTATE it refers to an interest in the same articles defined in real property and real estate.

What is this LAND and WHO owns it and HOW is it owned? Land can be private property OR estate, i.e. real estate. Estate is an interest in “real property" by a person or a tenant. Private property is owned absolutely by an individual.

INTEREST: More particularly it means a right to have the advantage of accruing from anything; any right in the nature of property, but less than title. - BL6, p.812. By this definition it's clear that INTEREST cannot be TITLE, since it is less than title. Interest may be a property right to land, but it's not a right to absolute ownership of land. Those who live on leased land, thus, have only an interest in the land; and that interest is a lease-hold interest. Is there a definition of property that says it's land held in absolute ownership, as does private property's definition? We can delve into this more.

ABSOLUTE TITLE - As applied to title to land, an exclusive title, or at least a title which excludes all others not compatible with it. An absolute title to land cannot exist at the same time in different persons or in different governments. BL6, p.1485

PRIVATE PROPERTY - ... is such property as belongs absolutely to an individual, and of which he has the exclusive right of disposition. BL6, p.1217

OWN - To have a good legal title; to hold as property; to have a legal or rightful title to; to have; to possess. BL6, p. 1105. To "own" is to have title. An interest is LESS THAN TITLE.

ESTATE: The degree, quantity, nature and extent of interest which a person has in real and personal property. An estate in lands, tenements, and hereditaments signifies such interest as the tenant has therein. - - BL6, p.547 From these definitions, it's plain that we can't absolutely "own" real estate. We can only have a qualified ownership of qualified and described ownership of Real Estate. Thus, we need that Deed Description to describe it and qualify it. That ownership is also qualified by various government rights, decrees and laws, from antiquity, such as rights against trespass. That ownership is qualified by taxation, zoning, rights of way, and a myriad of other entailments. We need, therefore, a title search to determine those entailments, some of which are invisible.

Therefore there is NOT as much difference in the rights and privileges of ownership and interest as one is led to believe. I have no problem with those who live on leased land instead of owning the land. Usually they are paying far less than it would cost them to own the same property. However, they don’t often get any appreciation of the land; the landlord gets the appreciation in real value, while the resident can appreciate the lifestyle for less cost per month or year.

However, since an interest in leased land is not automatically transferable and is NOT Real Estate and since the chattel property upon it, the mobile home is personal property, without a deed but instead has a title – Realtors are not by law supposed to be involved in the sale of such – but we are. We are supposed to only be selling real property. It gets all cloudy and foggy doesn’t it. That is why there are people and companies who sell mobile homes on leased land who are not realtors and don’t need to be. In fact, although no one will discuss it, Realtors are not supposed to sell mobile homes on leased land. We don’t need to engage in that battle any more than I just did by describing it.

OWNERSHIP: The complete dominion, title, or proprietary, including right in a thing or claim... Ownership of property is either absolute or qualified. The ownership of property is absolute when a single person has dominion over it, and may use it or dispose of it according to his pleasure, subject only to general laws. The ownership is qualified when it is shared with one or more persons, when the time of enjoyment is deferred or limited, or when the use is restricted. - BL6, p. 1106 Such sharing is common with husband and wife, partners, families and corporations, etc.

DOMINION - Generally accepted definition of "dominion" is perfect control in right of ownership. The word implies both title and possession and appears to require a complete retention of control over disposition. - - -BL6, p. 486 I think you'd agree that zoning, building codes, home owners association covenants, condominium documents of use and business licensing is a restriction on the use of land (if it's Real Estate). And there is obviously the fact that failure to pay property taxes on real estate will result in loss of said property. That's definitely not absolute ownership. But private property is defined as ABSOLUTE OWNERSHIP, not qualified (interest).

PROPERTY (tangible) - All property that is touchable and has real existence (physical) whether it is real or personal. - - BL6, p. 1218 In summation, it takes a good attorney, and one well versed and experienced in real estate to understand the complex definitions, rights, liabilities, and privileges of real estate ownership. I have been buying and selling real estate for myself and assisting others in the buying and selling of real estate for thirty years. I have taught courses on real estate and real estate law. And, I would NOT consider purchasing a property, or purchasing property on leased land without the professional and paid assistance of an attorney who is a real estate specialist in the exact county in which the property is located. Other attorneys from other areas are not valid choices at all.

Copyright © 2001 - 2005 by www.JodyHudson.com>

Real Estate, Real Property and Leased Land; Definitions, Discussion and Explanations
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Jody Hudson has been a Realtor for 35 years.

Source Page for the above article is: [http://www.kate-jody.com/essays/realrealleased.html]

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Using Color Psychology to Sell Your Home

When painting your home for resale, choosing the right colors can make a huge difference in your paycheck at closing. For instance, did you know that the exterior color of houses selling most quickly is a certain shade of yellow, but that choosing the wrong shade of yellow can kill a sale?

You'll find many brochures in paint stores, showing various combinations of exterior paint colors. But most people don't realize that most of those combinations actually include three colors, and not just two. Limiting your exterior paint scheme to just two colors also limits your income potential.

For a fast sale, think fun colors and go for a third, or even a fourth, exterior color. Think "Disneyland Main Street," where every shop is painted in glorious multi-colors. Adding more colors will also add definition to the various architectural details of your home. Use gloss or semi-gloss paint on wood trim.

Using Color Psychology to Sell Your Home

The Psychology of Exterior Colors

When choosing exterior colors, take the sales price of your home into account. Certain colors, especially muted, complex shades, attract wealthy or highly-educated buyers, whereas buyers with less income or less education generally prefer simpler colors. A complex color contains tints of gray or brown, and usually requires more than one word to describe, such as "sage green," as opposed to "green."

On the other hand, simple colors are straightforward and pure. Generally, houses in the lower price range sell faster and for higher prices when painted in simple colors like yellow or tan, accented by white, blue, or green trim.

The Psychology of Interior Colors

Using colored, rather than bland, white walls will increase your profit potential. Lynette Jennings tested the perception of room size and color, and discovered that a room painted white appeared only appeared larger to a few people when compared to an identical room painted in color - and the perceived difference was only about six inches! Most people also look better when surrounded by color, and feel happier, and since buyers pick houses that make them feel happy, that knowledge can put dollars in your pocket at closing!

Entryways should bring the exterior colors into the house. Repeating shades of the exterior throughout your home will make the entire home seem to be in harmony. Living and family rooms painted in a slightly lighter shade of the exterior color will ensure that you've picked a color your buyers like, because if they didn't like your exterior colors, they wouldn't have bothered to look inside. If they loved the exterior colors, they'll love the interior, too.

When choosing interior colors, consider the use of each room. For instance, kitchen and dining areas that are painted in "food colors," such as coffee browns, celery greens, and scrambled egg yellows, feel natural.

Since, deeper shades of color imply intimacy and serenity, I like to paint master bedrooms a medium shade of green or blue for warm selling seasons, and rouge red for cooler weather. Other bedrooms can be painted in creamy tones of green, blue, or a pale shell pink. (See the chapter on the Psychology of Color in my book "Joy to the Home: Secrets of Interior Design Psychology" for further information.)

Selling Season

Always consider your selling season (the time of year you'll be marketing your home) and climate when choosing colors. Estimate the amount of time you'll need to get your home ready for sale, and then add on extra days for unexpected delays. Use cool colors, such as blues, greens, and grays, to sell during spring and summer, and warm colors, such as yellows, reds, and maroons, when selling in the fall and winter.

Color Intensity

My husband and I usually use lighter colors when painting the exteriors of our investment dollhouses, because it makes them appear larger. On the other hand, our cabin in the woods looks richer when painted a darker color. When we decided to have it painted, I considered the usual cabin colors of dark brown and barn red, but fell in love with Olympic's gorgeous "Gooseberry" plum color.

When getting ready to paint your house, look at the colors of neighboring houses and choose colors that harmonize, yet stand out from the crowd. Colors that clash badly with other houses will detract from the overall neighborhood.

At the beginning of the article, I told you that homes with yellow exteriors sell the quickest. But which shade of yellow sells best? First, the yellows to avoid: yellows with green undertones look sickly to most buyers, and yellows with orange undertones give buyers an impression of cheapness.

The best-selling yellow exterior color is actually a pale, sunny yellow, especially when complimented with one or more carefully-chosen accent colors. For instance, a semi-gloss white trim will give your home a clean and fresh look, and adding a third color, such as green, can make your home even more attractive to prospective buyers.

Colors affect human beings in many ways, and by using the principles of Color Psychology, you can make your home stand out from the competition, sell more quickly, and at a higher price.

(c) Copyright 2004, Jeanette J. Fisher. All rights reserved.

Using Color Psychology to Sell Your Home
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Professor Jeanette Fisher, author of Doghouse to Dollhouse for Dollars, Joy to the Home, and other books teaches Real Estate Investing and Design Psychology. For more articles, tips, reports, newsletters, and sales flyer template, see http://www.doghousetodollhousefordollars.com/pages/5/index.htm

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How to Get a Bigger Penis Without Spending a Dime

If you're on a tight budget or simply are reluctant to spend your money on penis enlargement methods that might not work, there are ways to get a bigger penis without spending a dime and this article will reveal to you how you can accomplish that. Firstly, let's talk about the efficiency of various penis enhancement methods.

Penis exercises - these exercise programs are among the most effective ways of enlarging your penis size. They work by forcing your penis chambers (called Corpora Cavernosa) that hold the blood during an erection, to expand thus enlarging your penis size. For these exercises to work, you are required to practice them for 15 minutes/day. There are a number of websites that offer a set of these exercises for free. Although these free exercises are basic, they do work and you can definitely see results by practicing them on a daily basis.

Penis extenders - these extenders are also called "medical devices" and they were initially created to correct penile curvature. They work on the same principle as the exercises: the constant traction applied on the penile area forces the cells to multiply and increase the penis size. This method is the most expensive but also the most efficient one.

How to Get a Bigger Penis Without Spending a Dime

There is a way to use the extender for free: reputable companies offer, sometimes, special deals where you get all your money back if you simply send them before and after photos.

Lastly, there are those penis pills free trials but here you must be extra careful. These offers are usually run by companies selling low quality pills. If you really want to try them, don't forget to cancel the trial BEFORE the end date, if you're not satisfied with the results.

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How to Deal with Mean People - A Quick Guide

Ah, mean people. Unfortunately, you can find them everywhere you turn, and it's futile to run and hide; because sooner or later, one or two or seven of them will catch up with you. So you might us well buck up and learn how to deal with mean people. It might be a struggle to do that; but if you finally learn how to deal with mean people without losing your cool, then you're pretty much ready to handle anything!

Facing mean people on a regular basis can definitely sap the life out of anyone, so you have to master the art of rolling with the punches, or even the art of ignoring what they say.

This doesn't have to involve getting into a shouting match or a fistfight with them to drive your point home. Here are some things you need to keep in mind when it comes to mean people.

How to Deal with Mean People - A Quick Guide

When someone is being mean to you--or to the world at large, for that matter--you should realize that the problem lies with him, and not with you.

If the mean person you're having problems with is a friend of yours, then it may be more challenging to handle this situation. What you need to do, first and foremost, is to avoid becoming his clone. Just because he's being mean doesn't mean you also have to behave the same way.

If he's directing his meanness towards you, then it's time for you to back off and disappear for a while. Just wait for him to realize how horribly he's been treating you. When it happens again, you can confront him about his behavior... and hopefully, this will be his wake-up call.

If the mean individual's tactic is to crush everyone's self-esteem to smithereens, you can calmly face this challenge by having a strong sense of self-esteem. Only by having a strong sense of self and confidence will you be able to keep from cracking under the tormentor's treatment and will serve you well if you want to train yourself on how to deal with mean people.

You can disarm mean people by being overwhelmingly nice to them. As they say, you can kill 'em with kindness. This will definitely catch mean people off-guard. It will be hard to keep your cool, but it's worth it to see the mean person become confused by your behavior.

Finally, come up with some witty comebacks. Part of the mean person's arsenal includes sarcastic barbs and attacks, and just general insults. So if you have a general idea what things he usually says, plan your lines to prepare for the next time he chooses to direct his insults at you. If your reply is snappy enough, the mean person might either be stunned into silence or hurl further abuse at you, but you'll know that you managed to defuse him. Your action might even inspire other people to stand up to the mean person.

Figuring out how to deal with mean people is something that we all have to learn throughout life, but with a little patience, and even some sense of humor, you can successfully rally through the challenge.

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A Brief History of Real Estate: The Fee Simple Ownership

Arthur Wellesley (1769-1852), Duke of Wellington, is reputed to have been the one to exclaim 'All good things come from England, but cavalry is not one of them' while facing Napoleon's French Army at Waterloo on June 18, 1815. Wellesley had learnt his military trade in India applying his study of the art of war and had became a master of the reverse-slope tactic - keeping his forces screened from artillery fire behind the brow of a hill. At Waterloo, however, Wellesley's Armies were outwitted by Napoleon. The French Emperor had imitated Wellesley's tactics by positioning 200 heavy artillery guns behind a ridge at La Haye Sainte. When the Hussars and Dragoons cavalrymen led by Lord Uxbridge attacked in the famous Charge of the Scots Greys, Napoleon commanded the guns on the topline of the ridge and one of the epic artillery bombardments in history began. It was at this very moment, at the height of the Charge and while his 3,000 cavalrymen were being slaughtered by the rapid artillery fire of Napoleon's heavy guns, that the phlegmatic English General is reputed to have exclaimed his now famous remark, directed at Lord Uxbridge who had apparently ordered the Charge without Wellesley knowing it. The day was saved by Gebhard von Blucher (1742-1819), Field Marshal of Prussia, who led the assault of the Kaiser's Prussian Cavalry against the French right wing, thus causing the entire French line to collapse.

Wellesley's famous remark has been retouched several times throughout the years, depending on one's point of view. The British dropped the second part - the reference to the ill-fated cavalry charge - thus creating the popular short version 'All good things come from England' - period. When about a century later Britain had the unwise idea of attacking the Ottoman Empire and the British and French Armies were fighting the Turks side-by-side in WWI, General Mustapha Kemal - the English-speaking Commander of the Turkish Garrison and victorious defender of Gallipoli - paraphrased the English dictum after 289 days of siege by turning it, somewhat deprecatingly, into: "No good things ever come from England". And Mahatma Gandhi throughout his teachings of non-violent conflicts resolutions makes reference to the fact that "All good things come from India".

Alas, no matter what your point of view is, I shall submit to readers of my Blog that "at least two good things comes from England" : Fee Simple Ownership and Organized Real Estate.

A Brief History of Real Estate: The Fee Simple Ownership

English real estate law (or 'Estate Law' as it was known back then) was imported, through colonization, into the earlier forms of law in the U.S.A., Canada, Australia and New Zealand. Many of these states, or their territories, have since modified this historical law, to varying degrees. A study of the old feudal land system of England provides us with an invaluable glimpse of legal history regulating the most valuable asset of them all: land. In medieval times, land was the sole form of wealth and it depended primarily on possession. You had it, you owned it. You wanted it, you fought for it. You found it, you kept it. There were no courts or police force ready to recognize or enforce "legal rights" as we know them today. All this changed with the Norman conquest of England in 1066. William decreed that he owned all of the land in England by right of conquest. Not one acre of England was to be exempted from this massive expropriation. This sudden vacuum of privately-held land was promptly filled by a variety of huge land grants given by the new King to either his Norman officers or to those of the English who were ready to recognize him as king. The device used by the King to control and administer his land was that of tenure. Tenure was the key component of the feudal system. The King struck a bargain with a Lord for a large chunk of land. The Lords that held their tenure directly from the King were called Tenants-in-chief. It was this group of persons who formed the basis of English aristocracy and began, by the process of subletting the King's land, the implementation of the feudal system.

Tenures were of a variety of duration known as "estates" and the Fee Simple Estate was the most extensive and allowed the Tenant to sell or to convey by will or be transferred to the Tenant's heir if he died. In modern law, almost all land is held in fee simple and this is as close as one can get to absolute ownership in common law. It was in this context that the British began their dominion over the seas and their explorations which led to the modern nations of Australia, Canada, New Zealand and the United States of America. The concept of developing an informal association of local real estate agents originated in the United States in the 1880s, and by the turn of the century about 15 Real Estate Boards had been established. The National Association of REALTORS® (NAR) was formed in the U.S. in 1908 with 19 boards and one state association. Organized real estate in Canada is almost as old as the country itself. The very first Real Estate Board was set up in 1888 in the growing community of Vancouver. Back then, a commercial lot on Hornby Street near the Hotel Vancouver sold for 0. The Vancouver Board - as it was known then - was active until the start of the First World War, when operations were suspended. It resumed in 1919, and has been operating ever since.

The distinction of the oldest, continuous running Board belongs to Winnipeg, Manitoba. It started in 1903, and the Winnipeg Real Estate Board was the first in Canada to celebrate its 100th anniversary. The Toronto Board was incorporated in 1920, followed by boards in Ottawa, Hamilton, Regina and Victoria in 1921. More than half of the existing Real Estate Boards in Canada were created after 1955, in part because of the evolution of the "Photo Co-Op System" that was introduced in 1951. That was the forerunner of today's MLS®, introduced in 1962. The Co-op System not only created a need for an organization to establish rules and promote co-operation among agents, but also to provide funds to operate a real estate board. That's when technology first changed the real estate industry.

A Brief History of Real Estate: The Fee Simple Ownership
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Luigi Frascati is a Real Estate Agent based in Vancouver, British Columbia. He holds a Bachelor Degree in Economics and maintains a weblog entitled the Real Estate Chronicle at http://wwwrealestatechronicle.blogspot.com where you can find the full collection of his articles. Luigi is associated with the Sutton Group, the largest real estate organization in Canada, and is based with Sutton-Centre Realty in Burnaby, BC.

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What is the Real Blended Family Definition?

The website dictionary.com offers a blended family definition that says that a blended family is a family that is composed of a couple and the children that they have from previous marriages. While this definition seems straightforward enough, the truth is that blending American families is a difficult and stressful process. Blending families into a single familial unit is complicated! It does not happen over night (no matter how much the couple wishes it were so).

Blended families are also referred to as "step families." The word "step" was used to illustrate the relationship that was created when a man (or woman) married a widow (or widower) who had children of her own as a result of her previous marriage. The original word used for "step" was related to the word that was often used for bereaved or orphan. Today the word "step parent" does not always connote the relationship forged between a child and a new parent after his biological parent has passed away. In fact, it is possible to have a step family even when both parents are alive and well (though not married to each other)!

According to the etymology behind the blended family definition, a step family is the direct result of a marriage and cannot be defined as such without a legally binding marriage contract. This poses a problem for historical, etymological and familial scholars when they are forced to take into account the fact that in contemporary times, families are forged and blended even if no formal marriage has taken place. Many adults are choosing to live together and blend their families together into a single family unit without ever having a marriage ceremony or legally linking themselves together. This is one of the reasons that the phrase "blended family" has become so popular.

What is the Real Blended Family Definition?

Blending American families is difficult. The relationships between parents and children are complicated enough without having to bring in the issues of biology as well. The fact is that many step parents and children have a hard time learning to live together as parent and child. Some never make that leap completely and can comfortably acknowledge a friendly and respectful relationship without ever fully recognizing the parent child relationship as complete. The same can be said of step siblings and siblings forged in blended families. Of course these relationships usually take a long time to develop!

It is important, if you are working to blend your family, that you be patient and not rush into things (and don't resist the relationship either). There will be problems and issues that arise out of any blending of American families and it is important that all involved try to work thing out in a peaceful and mutually respectful way. Some families find that family therapy can help them work past the strict blended family definition and forge new family relationships with each other.

The blended family definition is far too strict. No true family can be confined to such narrow definitive terms!

What is the Real Blended Family Definition?
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Pieter West travels the world on a regular basis and have written about numerous subjects. He has an extensive knowledge about, finances, DIY, parenting advice and many more subjects. You can find more of Pieter's articles regarding blended families and the troubles they face, at http://www.singleparentingguide.com/blended-families/.

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