How to Become a Real Estate Agent in Canada

By Adriana Noton

A real estate agent is a fun and lucrative job with many opportunities to advance one's career. To become a real estate agent, one must be at least eighteen years of age and have a Canadian High School Diploma or equivalent, and speak English. Each province in Canada is responsible for licensing real estate representatives in that province. However, there is a three-step process common to most, with a Board exam unique to each province. British Columbia will not grant a license to anyone with summary convictions until two years after restitution is made. Quebec will not issue a license to someone with a criminal offense in the prior five years. Check with your province of residence for specific local requirements. They can be found in most cases under the provincial Real Estate Commission or Council.

The first step is to complete the requirements for the Initial License. This must be completed within eighteen months. The program is available by correspondence or on-line. Phase one covers the benefits and limitations of a career in real estate, an outline of the requirements for registration as a real estate representative, an overview of the mathematic skills needed, and an indication of the specialties and career options. Phase two introduces the technical aspects of the profession and covers the statutory laws, rules and regulations governing transactions in real estate. Phase three gives a choice of two aspects of real estate; Residential and Industrial Commercial Investment (ICI).

The residential course is completed during eighty hours of classroom time. Practical aspects of real estate are presented through workshops covering the topics of acquiring listings, marketing, qualifying buyers, preparing and presenting offers. The ICI course requires eighty hours of classroom time. A wide variety of workshops cover topics including office, retail, industrial, multi-unit and vacant land practices.

The next step in becoming licensed is to complete a two-year articling period with a licensed broker. During these two years, one must complete three additional courses. Real Property Law is a mandatory course, with optional courses including Principals of Appraisal, Principals of Mortgage Finance, Principals of Property Management, or Real Estate Investment Analysis. There is also a mandatory Phase 3 course. One may renew a license after completing the articling stage and completing these courses.

To maintain a license, one must complete twenty-four hours of Mandatory Continuing Education (MCE) every two years. Other opportunities to advance one's career are available in Continuing Education Units (CEU). CEU courses offered include: Agency courses, Practical Approach to Agency, Agency for Profit, Agency for Practice, Dealing with Purchaser Agency in the Agreement of Purchase and Sale, Disclosure of the Real Estate Profession, The Broker's Toolkit: Standards and Compliance, Conflict Resolution Skills, Valuing Diversity; Increase Profits with Multi-cultural Clients, Housing Technology, and Technology for Profit.

If one wishes to become designated in a specialty, the Real Estate Institute of Canada offers several professional certification programs. These include certifications for property management, condominium management, appraisal specialist, and land planning and development.

Real Estate is a large and varied profession with many opportunities for specialization and advancement. - 31366

About the Author:

Searching for Brampton real estate listings or a Brampton real estate agent? Then be sure to visit www.hirevic.com, Vic Singh's personal blog and website about Brampton homes and condos.

Isaac Toussie Looks At Real Estate in Florida

By Isaac R. Thompson

The current economic problems have visited Connecticut as well, but there is no condition of oversupply in the state; inventory levels have been consistent, probably due to Connecticut housing not being subjected to the amount of land speculation that other places have gone through, such as Florida and Nevada. While Connecticut maintains generally pro-business policies, there should be no danger of an exodus of commercial tenants, either. It has also definitely helped that media attention has been zeroed in on other states, given the panic-selling that's ensued elsewhere (which, again, has not gripped the Connecticut real estate market).

Connecticut has the most expensive estates in the country second only to California, with over three percent priced over a million dollars at the turn of this century. Most such residences are located in the northeastern part of the state, with median values assessed in the multiple millions, Isaac Toussie comments. The southwestern part lies within the greater metropolitan area of New York City. Indeed, three of Connecticut's eight counties form the Tri-State Region with New York and New Jersey. Despite the economic downturn in the rest of the nation, Connecticut real estate has not experienced too much turmoil. Though credit has tightened, inventory remains steady.

Statewide inventory of condominiums in Connecticut have been at consistent levels despite the economic downturn of late, and this is a good sign which bodes well for the real estate market there as a whole. Thanks to government action that's maintained access to credit, there is actually some good news for those savvy enough to "connect the dots."

Mortgage interest rates have dropped steeply and there is a tax credit stimulus package for first-time home-buyers with $7,500.00 available. Finally, people have got to live somewhere, so any decline in the condominium market can only be temporary. This is a market with a lot of upside, Isaac Toussie believes.

The content of this article has been posted strictly for informational and human interest purposes only, not for advisory purposes, and should not be relied upon in any way by any person or institution. The reader should not rely on the validity of any of the information contained herein. The reader is urged to consult a variety of professionals when making business or any other significant decision, including accountants, lawyers, investment advisors, insurance companies and the like. Again, this article has been posted merely for human interest and informational purposes, not for advisory purposes. - 31366

About the Author:

This article was submitted by Isaac Toussie to provide some helpful information on real estate. Keep an eye out for more Isaac Toussie articles to come!

Why Choose To Live In Green Modular Homes?

By Andy Zain

Environmental protection is a hot topic in America right now. Environmentalists have been saying for years that human beings are contributing to the destruction of the environment, and the US government is looking into ways to build more energy efficient houses and cars. Housing is a major environmental problem, because people living in traditional homes use natural resources such as water and electricity to make their houses livable. Furthermore, this seems like a necessity; people can't really live on the street or without running water, heat, or electricity. Fortunately, green modular homes are now being built that allow people to live comfortably without using as many natural resources. If these green homes have been on your mind lately, then pay attention to what we have to tell you...

These homes are designed to be environmentally friendly. They are built more compactly and cheaply and are usually created in climate-controlled factories. The homes take less energy to heat or cool because of their small size, and less labor is required to erect them. These modular homes are also built using environmentally friendly materials; many such homes use fiber cement siding, which is well-known to be better for the environment than standard materials.

In addition, less labor is required to build the modular home and it is built faster, which makes them cheaper to purchase and maintain. Finally, most modular homes are built using fiber cement siding, which is an environmentally friendly material.

The materials used also help the home be better insulated. Both of these design considerations lead to the home requiring less energy to remain at a comfortable temperature.

Because these homes are built using a minimum of materials, there are fewer waste products to be disposed of after the completion of the home. In addition, green homes are built using recyclable materials, so that whatever waste material does exist is not dumped but instead reused or turned into something else that can be used.

In the future, many Americans are probably going to live in green modular homes. These homes are comfortable and stylish, and soon it may become necessary for new homeowners to live in these types of dwellings.

Environmental problems such as global warming and scarcity of natural resources continue to get worse, and without conservation these resources will soon run out. New homeowners should consider moving into green modular homes; they are just as comfortable as other types of dwellings and help conserve those resources so that more people can continue to live comfortably. - 31366

About the Author:

For information and tips on modular log homes visit Modular Homes

Green Modular Homes: Houses Of The Future

By Andy Zain

One of the most important causes of environmental problems is the high number of homes being built in America. Each home uses natural resources such as electricity, gas, and water; these already scarce resources are being quickly depleted because of the number of people using them in their daily lives. Of course, people can't be expected to live on the street or without modern conveniences. So it's important to find ways to help the environment while continuing to live in a decent home. Green modular homes are the best way to accomplish this goal. Below, we are going to share some information with you on green modular homes...

These homes are eco-friendly from the moment they are designed. They are built in climate-controlled factories and are more compact in design than standard homes. The conservation of space ultimately helps conserve natural resources, as it takes less energy to heat or cool small homes.

In addition, less labor is required to build the modular home and it is built faster, which makes them cheaper to purchase and maintain. Finally, most modular homes are built using fiber cement siding, which is an environmentally friendly material.

The materials used also help the home be better insulated. Both of these design considerations lead to the home requiring less energy to remain at a comfortable temperature.

Because these homes are built using a minimum of materials, there are fewer waste products to be disposed of after the completion of the home. In addition, green homes are built using recyclable materials, so that whatever waste material does exist is not dumped but instead reused or turned into something else that can be used.

In the future, many Americans are probably going to live in green modular homes. These homes are comfortable and stylish, and soon it may become necessary for new homeowners to live in these types of dwellings.

These homes do more to promote environmental health than any other product or program out there. If you can afford to move into a modular home, you should consider doing so in order to help conserve natural resources while living comfortably. - 31366

About the Author:

For information and tips on modular log homes visit Modular Homes

Submitting An Application For Council House?

By Steve Johnson

Uk property prices have risen dramatically over the last ten years creating more demand than ever on social housing.

Many 'would be' house buyers have been squeezed out of the expensive private property market. The only other real alternative is to rent a council or housing association property.

The first step to getting a council house is to approach the council and make an application. Councils will always give priority to those in the greatest need. For example, if your homeless and have a disability you will be more likely to get a council house sooner than if you are working and still live with your parents.

The councils housing departments have to treat each application by reasonable preference. More priority will be given if the applicant is homeless, living in an inhabitable or overcrowded condition, has specific medical or welfare needs or is suffering hardship in their current situation. A points system is often used which reflects the current housing needs of the person

Additional circumstances may also reflect the council's decision of preference. The applicant's financial capabilities, length of time on the councils waiting list and how long the applicant has lived in the area. A good or bad tenancy record may also be relevant in the councils decision process.

The other option is to apply to a local housing association (registered social landlord). Housing association provides a very similar service to the council. They also have waiting lists and have preferences of allocation. You should be able to get a list of local housing associations from your council head quarters or housing department.

For people on lower incomes, getting a council or housing association property is definitely worthwhile. Unfortunately while property prices are still high waiting lists are likely to be long. When the time comes you are offered your first house you are then able to live in the social housing sector indefinitely. Later on you can exchange your home for another property giving you flexibility similar to the private sector. - 31366

About the Author:

Council house owners can swap their properties with other tenants. If you are interested in a mutual swap take a look at exuk.co.uk - a free council house exchange website.

Five Reasons Why You Absolutely Need to Buy Your First Home in 2009

By Susanne Novak

Yes, the economy in the United States is not so great and there are many that are jobless. However, you can find a bright side here. Today it is easier and more affordable to own your own home than it has been in years. Home prices are at a low, the interest rates are low too, and there are incentives provided by the government for those purchasing homes for the first time.

Benefits have always existed to purchasing a home. Mortgage interest paid is tax deductible, the equity in the home can be built by paying the home of faster, and over time the value of the home usually goes up. Well, the following are some important reasons that purchasing a new home in 2009 is an excellent idea for you.

Reason #1 - Prices Have Dropped - You'll find that the average price of purchasing a home is down about 20% because of the crisis and in some areas that drop is even higher. When you purchase in 2009, you'll find this is a great way to invest your money. More than likely the housing market is at the bottom and the value of home is going to start going up. When you purchase now, in the next few years you will probably be able to sell and make a nice profit on the home you purchase now.

2. The government has created a tax credit for first time home buyers. You can get up to $8,000 if you buy your first house this year, but you have to close before December 1, 2009. This is a free gift, you don't need to pay it back. The government gave this incentive, because they know that the economic recovery will heavily rely on the housing market.

Reason #3 - Little Out of Pocket Money Required - When you purchase a home for the first time, you won't need much money to do so. Most Columbus Loans, such as FHA or VA, only require a small percentage down from you. If you are a veteran, you won't have to make any down payment.

4. The mortgage companies out there really want to lend money, even though you may hear otherwise. The interest rates are quite low, making a nice home very affordable to you. The banks want to lend to buyers that are qualified, but a credit score of 650 and above will be needed. You'll also need to show you do have the down payment amount available.

Reason #5 - Many Government and Bank Owned Homes Available - There are many of these homes out there and you can get excellent discounts on them. In fact, some of the new homes owned by the government can be purchased for a price that is far below the actual value. Usually there are few repairs that need to be made as well.

Today is a great time to be purchasing a home. Already there are many homes that are selling. It's a great time to take advantage of the prices and low interest rates before the market starts to turn around. Even if you can't get a bank loan, you may be able to get financing from the seller to get these benefits. Purchasing a home for the first time in 2009 is a great idea and a wonderful investment to make. - 31366

About the Author:

About the author: Susanne Novak is a long-time property investor who helps home owners buy properties at discounted prices. Her blog shows how to find the best Columbus houses and successfully purchase Columbus OH Homes for Sale.

Isaac Toussie Looks At Real Estate in Florida

By Isaac R. Thompson

The current economic malaise has hit Connecticut as well, but there is no danger of oversupply in the state; inventory levels have been consistent, probably because Connecticut housing has not been subjected to the amount of speculative investment that other places have experienced, such as Florida or Nevada. Connecticut maintains its generally pro-business policies and there is no danger of an exodus among commercial tenants, either. Surely it has also helped that media attention has been focused on other states, whereby the panic selling that's ensued elsewhere has not gripped the Connecticut real estate market.

Connecticut has the most expensive estates in the country second only to California, with over three percent priced over a million dollars at the turn of this century. Most such residences are located in the northeastern part of the state, with median values assessed in the multiple millions, Isaac Toussie comments. The southwestern part lies within the greater metropolitan area of New York City. Indeed, three of Connecticut's eight counties form the Tri-State Region with New York and New Jersey. Despite the economic downturn in the rest of the nation, Connecticut real estate has not experienced too much turmoil. Though credit has tightened, inventory remains steady.

Statewide inventory of condominiums in Connecticut have stayed at consistent levels regardless of the economic downturn of late, which is a good omen that bodes well for the whole real estate market there. Thanks to government action that's maintained credit lines, there is actually some good news for those savvy enough to "connect the dots."

Mortgage interest rates have fallen substantially and there is a tax credit stimulus package for first-time home-buyers with $7,500.00 available. Finally, people have got to live somewhere, so any decline in the condominium market can only be temporary. This is a market with a lot of upside Isaac Toussie comments.

The ideas of this article have been provided merely for informational and human interest purposes and no more, not for advisory purposes, and ought not to be depended on in any way by any person or institution. The reader should not rely on the accuracy of any of the opinions presented herein. The reader is advised to consult a variety of professionals when making business or any other significant decision, including accountants, lawyers, investment advisors, insurance companies and the like. Again, this article has been posted strictly for human interest and informational purposes, not for advisory purposes. - 31366

About the Author:

This article was submitted by Isaac Toussie to provide some helpful information on real estate. Keep an eye out for more Isaac Toussie articles to come!