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Real estate refers to immovable property such as land, which also includes rivers or streams that may be part of the land, as well as any physical structures that may be affixed to the land like houses, buildings or commercial establishments.

The terms “real estate” and “real property” are often understood to mean the same thing, although in some circles, real property refers to the rights of the owner over the real estate. Both terms are used mainly in common law, which is further divided into property law, the laws that refer specifically to the property, and contract law, the laws which refer specifically to the rights of the person over the property.

For centuries, people have viewed land as the primary measure of wealth. Even today, land comprises a large part of the fortunes of the wealthiest individuals and nations. Developing countries who are rich in real estate use this to attract foreign investments that can spur economic growth. However, in recent years, economists have noted that the key real estate investments into developing countries have been derailed by the lack of effective laws to safeguard such investments.

The leading source of capital for purchasing and developing land real property is mortgages. These are loans that banks grant to individuals who use the real property as collateral. Mortgages are favorable endeavors for banks because they can’t lose: either the borrower successfully repays his loan with interest or if the buyer cannot pay his loan, the bank can claim the rights to the property through foreclosure, which is an action that is decided in a court of law. Once the property is foreclosed, the bank can sell it to recoup its loan.

This is where economists raise a howl. An analysis of international banking and real estate laws reveals that, in many developing countries, there is no effective way for a lender to foreclose. With no legal or institutional protection, many investors are discouraged from investing in real estate in developing countries. Often, the mortgage loan industry is only open to a select few, mostly engaged in by a cabal of well-connected families who frequently use their social connections in matters of foreclosure.

The cost of starting a business is a major reason why most people shy away from working at home. They fear investing too much money that could potentially be used for other more important things, so they don’t. Stumbling upon a not so affordable home based business opportunity that seems to be legit is intimidating to a lot of people. Most people looking for home work aren’t rich and don’t have hundreds of dollars to invest. It just seems much safer to just continue working as they always have.For those of you who have looked a few business opportunities, but have decided not to invest, there is good news. Not all work-from-home businesses require an outrageous start-up cost. You can safely find things to do online that will make you money for little to no investment. A few of them are as follows:1. Blogging – Blogging is an affordable home based business opportunity because it’s free. First, go to either Blogger.com or WordPress.com and create an account. Next, go to Google AdSense to create an account as well. To make a legitimate amount of income, your blog should be about something you enjoy talking about. Create content that centers around your interest. Add a product to your blog related to your interest. For example, if you’re blogging about working from home, find an affiliate product such as an eBook or instructional guide on how to become successful from home. Keep your content interesting so people continue to come back. Add a few graphics to make your blog interesting. After a few months, you should be able to generate at least a couple hundred dollars per month.2. Freelance Writing – Freelance writing is another affordable home based business opportunity because it also requires no start-up cost. A few websites that provide freelance writers to earn money are associatedcontent.com, suite101.com, helium.com, textbroker.com, and demandstudios.com. As an independent contractor, you’ll need to set up your own website (perhaps by using Blogger or WordPress) to advertise your services and attract personal clients.3. Sales – Starting a home sales business is usually one of the first things people think of when working from home. Everyone has their own idea of what they would like to sell, and if they do not, there are hundreds of opportunities out there that provide supplies, training, personal websites, business cards, etc. The only downside is that there is a start-up cost and monthly membership involved in almost all home sales businesses. Costs can range from $50.00 to $200.00 or more to start, depending on the opportunity you choose. Monthly fees usually do not exceed $100.00, which really isn’t that much considering earning potential.Unless you have some great big idea that requires a huge down payment, you won’t be required to spend your life savings on a business venture. Sometimes it pays to be on the safe side. An affordable home based business opportunity won’t leave you hanging high and dry in the financial department.