Robert Thomson's Articles in Real Estate

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  • How To Find Management Rights Opportunities In Cairns Queensland
    Living in Cairns Queensland is a dream come true for people that want to live a very fulfilling and somewhat off beat laid back lifestyle. Purchasing management rights is quite possibly the best way to make that dream become a reality.
  • How Spray Foam is Part of an Energy-Efficient Home
    If you are not familiar with spray foam, it is a form of insulation used in building construction. It has polyurethane base; once the foam is mixed and pumped, it...
  • Discover Negotiating Tips for Okanagan Real Estate Listings
    Okanagan home finders Rob Dion and Lee Ivans are your #1 Okanagan Royal Lepage realtors. Let Rob and Lee search through Okanagan real estate listings for your perfect Okanagan real estate home. Visit our website for Okanagan homes for sale.
  • Kelowna Homes For Sale
    Discover beautiful properties with Royal Lepage Kelowna realtors Rob Dion and Lee Ivans. View the latest Kelowna real estate listings today by visiting our website!
  • Wainwright Realtors Smith Mountain Lake
    Wainwright REALTORS specialize in real estate in the Smith Mountain Lake area of Virginia.
  • How to Succeed in Real Estate Lead Generation
    When one talks about real estate as a business, it is unavoidable to think about how highly competitive the industry is. Since economic situations are dynamic and rapidly change...
  • Tenant Screening - What You Need To Know
    For building owners and property manager's there are few things more devastating than entrusting treasured real estate to residential or commercial tenants who abuse the property or...
  • Mega Property Projects in Dubai
    This is a short article about the mega projects engulfing the real estate focus in Dubai.
  • Staying On Top Of The Real Estate Market
    21st century real estate is filled with exciting opportunities for agents who have acknowledged the impact of the Internet on their industry.
  • Tips For Finding The Best Lake Homes For Sale
    Lake homes are the most popular type of second home. They're also popular as main residences for those who don't mind commuting.
  • Knowing When to Refinance Your Mortgage
    There are a lot of people who are intimidated by the cumbersome dealings of refinancing their home. They tend to focus on the closing expenses more so while neglecting the benefits that a lower mortgage payment can cause for them.
  • Scottsdale Foreclosures - Top 5 Buyers Tips
    Over the past few months, home sales in Arizona have increased dramatically.
  • A Synchronized Effort Sells Homes
    In today's real estate market, home sales go to the fittest. Prices are down, the competition is up and only the strong will survive.
  • Real Estate Market Today
    Real estate is a legal term for describing a piece of land and anything associated with the land – commonly a house or an apartment situated on that particular piece of land. Real estate was a booming industry before the severe recession hit the US, but now there is a significant slump in the business. Property prices are going down like never before and the real estate market is showing a big slump. Yet there is still hope.
  • Grand Rapids Condos
    In the past few years, there has been a rise in the sales of condos.
  • Is Downtown Condo the Place for You?
    Since many years there has been a rise in the number of purchasers buying Grand Rapids downtown condos
  • Now Is The Time To Invest In Smith Mountain Lake Real Estate Market
    Real estate business has the potential of giving you a lot of return on investment, especially if you consider investing in Smith Mountain Lake area.
  • Investing In Smith Mountain Real Estate Market Is A Good Option
    There is absolutely no denying the fact that recession has hit all markets and business sectors.
  • Choosing The Best Realtor
    In today's turbulent real estate market, it has never been more important to select the realtor that will best represent the interests of the client.
  • Market Solutions for Preventing the Next Housing Bubble
    There is one potential market-based solution that would require no government regulation or intervention that would prevent future bubbles from being created with borrowed capital: change the method of appraisal for residential real estate from valuations based exclusively on the comparative-sales approach to a valuation derived from the lesser of the income approach and the comparative-sales approach. Both approaches are already part of a standard appraisal, so little additional work is necessary, other than appraisers will have to focus on doing the income approach properly.
  • What Did Not Cause the Housing Bubble?
    To fully understand what caused the housing bubble, one needs to examine some of the purported causes that are not valid because these often lead to incorrect policy initiatives. Bad policy initiatives include interest rate regulation, hedge fund regulation, and loan-to-income regulation.
  • Take Advantage of a Buyer's Market
    When the market turned up in the late 1990s the market shifted. During the last decline, the buyers had an advantage. During the bubble the advantage went to the sellers. The seller's market went on for so long and became so feverish that people have forgotten (or may never have known) what it was like to see buyers in control of the action.
  • Hope Now? The Big Lies of the Housing Bubble
    The first of the numerous bailout programs was "Hope Now" introduced in October of 2007. As the name suggests, Hope Now was sold to the general public as a reason for them to hang on and continue making crushing payments for as long as possible. It was a false hope, but even false hope gave homeowners a little emotional relief, and it provided a few more payments to the lenders. According to their website, "HOPE NOW is a cooperative effort between counselors, investors, and lenders to maximize outreach efforts to homeowners in distress." The plan was to streamline the process of negotiating workouts between lenders and borrowers to keep borrowers making payments and ostensibly to stop them from losing their homes. The emphasis was on making payments and maximizing investor value in collateralized debt obligations. Very few people benefited from the program, despite government claims to the contrary, and no rights or benefits were conferred to borrowers that they did not already contractually have. There was much fanfare when it was first announced, but the program did far too little to have any impact on the housing market.
  • Conspicuous Consumption - It's a California Thing
    So what happens when you give poor people money? They spend it. The stories of people who won the lottery and managed to spend themselves into bankruptcy a few years later are classic examples of the pathology of the beliefs of spenders. A great many Californians are spenders. This is why California has a strong cultural pathology.
  • Furnished apartments in Tokyo!
    You have a new option for accommodation when you come to Tokyo. Staying in a weekly apartment is far more affordable than staying in a hotel.
  • The Despair Stage in a Financial Bubble
    There are many identifiable stages in a financial mania. These include: enthusiasm, greed, delusion, denial, fear, capitulation, and despair. From a perspective of market psychology, it is difficult to tell when the capitulation stage ends and the despair stage begins. Both stages have an extremely negative bearish sentiment. It is called the despair stage because most who own the asset are in despair and wish they did not own it, and the general public is still selling.
  • The Capitulation Stage in a Financial Bubble
    There are many identifiable stages in a financial mania. These include: enthusiasm, greed, delusion, denial, fear, capitulation, and despair. The transition from the fear stage to the capitulation stage is caused by the infectious belief that the rally is over. There is a tipping point where a critical mass of market participants either decide to sell or are forced to sell. In residential real estate, people are compelled to sell by anxiety, and the mechanism for force is foreclosure.
  • The Fear Stage in a Financial Bubble
    There are many identifiable stages in a financial mania. These include: enthusiasm, greed, delusion, denial, fear, capitulation, and despair. The most important change in the market in the fear stage is caused by the belief that the rally is over. Price rallies are a self-sustaining price-to-price feedback loop: prices go up because rising prices induces people to buy which in turn drives prices even higher. Once it is widely believed that the rally is over, it is over. Market participants who once only cared about rising prices suddenly become concerned about valuations. Since prices are far above fundamental values and prices are not rising, there is little incentive to buy. The rally is dead.
  • The Greed Stage in a Financial Bubble
    There are many identifiable stages in a financial mania. These include: enthusiasm, greed, delusion, denial, fear, capitulation, and despair. In the greed stage of a financial bubble, the bullish sentiment reaches a feverish pitch and prices rise very rapidly. Every owner in the market is making money and most believe it will go on forever.
  • The Enthusiasm Stage in a Financial Bubble
    There are many identifiable stages in a financial mania. These include: enthusiasm, greed, delusion, denial, fear, capitulation, and despair. At the beginning of the enthusiasm stage of a financial bubble, prices are already inflated, so there is cautious buying from traders looking for trends and momentum.
  • Housing Bubble Deflation - The Stages of Grief
    Markets are the collective actions of individuals, and the psychology of the markets can be broken down to the psychology of the individual participants who make it up. When price levels in a financial market collapse, most people lose money. Any loss has a psychological impact on the individual causing her to experience grief. The grieving process is generally divided into several overlapping stages: denial, anger, bargaining, and acceptance. These stages are also apparent in the mass psychology of the market.
  • Adjustable-Rate Mortgage Resets Deflated the Housing Bubble
    The loan reset issue is not confined to those who bought late in the bubble rally of the Great Housing Bubble. Many borrowers are homeowners who refinanced to take advantage of more favorable loan terms. Most loans originated in the later stages of the bubble rally were adjustable rate mortgages. When these mortgages reset to higher payments, most borrowers defaulted, and their properties went into foreclosure.
  • Subprime Foreclosures Burst the Housing Bubble
    The first sign of trouble for the housing market was the implosion of subprime in early 2007. Subprime borrowers stopped paying back the loans they were given due to loan resets and payment recasts. These defaults lead to foreclosures. During the bust, the vast majority of properties at auction went back to the lenders because the loan amounts usually exceeded market value. Properties purchased by the lender at a foreclosure auction are called Real Estate Owned or REO.
  • Reactions to the Housing Bubble Burst
    When a bubble in a financial market pops, it does not explode in spectacular fashion like a soap bubble; it is more comparable to a breached levee which releases water slowly at first. Once the financial levee is ruptured, the equity reservoir loses money at increasing rates. It washes away the imagined wealth of homeowners who bought late in the rally or used home equity lines of credit to fuel consumer spending until the reservoir is nearly empty and the torrent turns to a trickle. Ultimately, the causes of failure are examined, the financial levee is repaired, and the reservoir again holds value, but not until the dreams and equity of many homeowners are washed away.
  • The Affordability Limit in Residential Real Estate Markets
    Affordability is the ultimate limit of any asset bubble. If prices are so high that no buyer can afford them, there are no transactions and thereby no market. The fear of many buyers in a financial mania is that prices will remain elevated to the absolute limit of affordability permanently. People who have this fear will put every available resource into getting a house before this happens. This becomes a self-fulfilling prophecy as prices get bid higher and higher by fearful buyers.

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