History of Real Estate Agency Relationships

In the beginning, real estate brokers were known as middlemen and optioneers. Back then, the customary practice was for a middleman to know about a property for sale, but to keep it secret from other middlemen. It was difficult for these middleman to collect a fee for their services so they would resort to tactics that were not always in their seller’s best interest. Optioneers, on the other hand, were usually more successful in collecting their fees because they would tie up the seller’s property on an option to purchase, sell the property to a buyer at a price over the option amount, pay the seller the option price, and then pocket the rest.

The early real estate brokerage business was loosely organized and used methods of brokering that were often dishonest, subject to fraud, and that took advantage of sellers and buyers. Eventually, a newer concept with the real estate broker being an agent of and owing a fiduciary duty to the seller and receiving payment for his services was developed. This new concept forced the seller and broker relationship to a higher level of service and duty. It also allowed brokers to list property for sale using contracts. These contracts are what we now refer to listings. The earlier forms of listings we called open listings. The open listing is a type of non exclusive listing contract authorizing a real estate broker to offer a property for sale, find a buyer and get paid for services upon the closing of that transaction.

Other brokers could also have open listings for the same property, but only the broker who actually found the buyer would receive a commission. In addition, no broker would get paid a fee if the seller sold the property. The open listing discouraged cooperation between brokers, since each broker could obtain their own open listing. To solve the open listing problem, the exclusive agency listing became popular.

The exclusive agency listing is a type of listing contract wherein the seller offers only the listing brokerage compensation if the buyer is procured through the brokerage’s efforts or the efforts of other real estate brokerages. This means that in certain situations, such as For Sale by Owner, the listing brokerage may not receive compensation when the property is sold. In the exclusive agency listing, the listing brokerage or another brokerage working with the listing brokerage must procure the buyer in order to have a claim on compensation.

The exclusive agency listing encourages competing brokers to find buyers for listing, since the listing brokerage pays the selling brokerage’s fee. However, the seller still does not pay a fee when a seller finds the buyer. The exclusive agency listing eventually gave rise to the exclusive right to sell listing.

The exclusive right-to-sell agreement, the listing brokerage is offered compensation in the event of a sale regardless of who procured the buyer. The exclusive right to sell listing guarantees that the listing broker will get paid a fee, even if a competing broker or the seller sells property. It provides the most protection for the listing broker and is considered in the best interest of the seller because the listing brokerage will put effort and resources into marketing the property, since a commission is guaranteed during the term of the agreement.

Even after the exclusive right to sell listing became popular, there was little cooperation between brokerages, since a buyer who wanted to buy a specific property would have to deal with the broker who had exclusive listings of interest. It was also quite clear to all parties in that the broker represented the seller and that the buyer had no representation.

By the 1950s there was pressure for more cooperation between brokerages. As a result, a broker working with a buyer would contact competing brokerages to to learn of their inventory and possible matches for their clients. Deals often resulted where the selling agent did not know the seller or their agent and the selling agent’s only dealings were with the buyer. Suddenly, the concept that the selling brokerage owed its fiduciary duty to only the seller was no longer a neat and logical concept. However, it would take many years before the unworkable agency concepts would be sorted out and lead to buyer representation.

As the 1950s and 1960s progressed, a more formalized cooperative brokerage system, known as the Multiple Listing Service (MLS), was developed. Through the MLS, the concept of subagency evolved. Simply stated, this meant the listing broker was the agent of and represented only the seller. The listing brokerage would hire sales associates who were considered subagents of the seller. The listing MLS brokerage was required to make the listing available to all cooperating brokerage within their MLS. These cooperating brokerages were also deemed subagents of the listing brokerage, who were agents of the seller. If the cooperating brokerage had sales associates, they were subagents of the cooperating brokerage, who were subagents of the listing brokerage, who was the agent of the seller. During this period, an agency relationship with a buyer was not possible, since the agency relationship was always with the seller. The only duty a licensee owed to a buyer was to not lie when asked questions about a property. The concept of „buyer beware“ was truly the reality of how the brokerage business operated and buyers were always unrepresented.

The rise of consumerism, as manifested in numerous court decisions, put pressure on the brokerage business to be more concerned with the interests of the buyer. Because of that, licensees working with buyers had an affirmative duty to disclose known matters affecting a property. For example, if the broker knew that a roof leaked, he would have to disclose this fact. This disclosure concept was later expanded by the courts to include conditions about the property that the brokers should or could have known.

By the 1980s, a government study found that nearly three-quarters of all buyers thought the brokerage they were working with was representing them as a client. The same study concluded that nearly three-quarters of all sellers also thought that the cooperating brokerage represented the buyer’s interests. It soon became obvious the concepts of agency law that the industry and governmental regulators had attempted to impose in order to simplify and clarify the agency relationships had not worked. Continued pressure from consumer groups and the courts finally led to the buyer representation movement of the 1990s.

In 1991, the National Association of REALTORS® formed an advisory group to study agency representation issues. Testimony was received from real estate practitioners, industry experts, the public, and state regulatory authorities. The advisory group’s report made the following recommendations:

  • The NAR’s multiple listing policy should be modified to make subagency offers optional. If subagency was not accepted by a cooperating brokerage, then the listing brokerage was to offer compensation to the brokerage representing the buyer.
  • The NAR would encourage state associations to promote changes in real estate law and regulations in order to promote disclosure of agency options. These options would include seller agency, buyer agency, and disclosed dual agency. The purpose of this recommendation was to assist consumers in making informed decisions regarding representation.
  • The NAR should encourage real estate brokerages to adopt written company policies addressing the handling of agency relationships with its clients and customers.
  • The NAR would encourage education of all members on the topic of agency representation. State regulatory agencies would also be encouraged to include agency as a mandatory topic in continuing education requirements for all licensees.

As of 1992, the National Association of REALTORS® adopted the following policy:

„The National Association of REALTORS® recognizes seller agency, buyer agency and disclosed dual agency with informed consent as appropriate forms of consumer representation in real estate transactions. The association respects the need for all REALTORS® to be able to make individual business decisions about their companies‘ agency practices. Furthermore, NAR endorses freedom of choice and informed consent for consumers or real estate services when creating agency relationships with real estate licensee.“

These NAR changes to representation policy modified the way the industry practices. Exclusive Right to Represent buyer agreements now allow a buyer to contract with a brokerage to find, and negotiate, the purchase of real property. Generally, these agreements are for a specified period and require the buyer to pay a commission upon the closing of the real property transaction. As an agent of the buyer, the buyer’s brokerage owes all of the fiduciary duties (care, loyalty, disclosure, obedience, and accounting) to his principal, the buyer.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Jeff Sorg

Making Smart Use of MLS Listings

Edmonton MLS listings can give you a head start on finding the right home. In the past, you would have had to drive around town looking at listings you found in a newspaper. Today, virtual tours, extensive photographs and detailed information are used to create a sort of dossier for every home on the market. This allows you to come up with good options for a first time home buyer. A good realtor can help you narrow down those choices to the most practical and to eliminate those that are unrealistic.

Edmonton house listings usually include a nice mix of upscale, middle-class and smaller properties. When you’re taking a look at listings, set a realistic price limit on your browsing. This means also setting a realistic low limit, not just a top price. You’ll want to make sure that you’re not under buying. While there are some bargains on the market, lower prices sometimes translate to the home needing significant work to bring it up to your standards. Edmonton real estate listings include plenty of good, solid homes that are available at affordable prices, so there’s no need to compromise what you want.

Take a look at Edmonton real estate listings based on where they’re located. Some first time home buyers concentrate too heavily on finding a home located near their job. While this does have its benefits, it’s always possible that you’ll find a better job and that the location you chose will no longer be particularly beneficial in that regard. Look for neighborhoods you actually like. If you have children, take a look at the schools located in your chosen area of the city. The proximity of places to shop and to engage in other activities can be as important as the home’s proximity to your work.

If you’re not quite ready to take the plunge and buy a home of your own, you may want to consider an Edmonton condo listing. These are usually less expensive than a home but offer many of the same benefits. Some first time buyers find that a condominium is too much like an apartment to them and, thus, that it eliminates what they truly love about owning their own home. Others find that the ease of getting repairs done and the lowered property taxes are valuable enough to make the condominium a great buy.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Chris Proctor

Advantages of an Exclusive Property Listing Agreement With Your Real Estate Agent

Property buyers are always exposed to lesser options than the availability. This is because of the unwillingness of estate agents to share the information about different properties at their disposal with each other. This may also give problem to the seller because the property gets exposed to lesser market, and it has fewer chances of getting the highest possible price. The seller is also vulnerable to losing track of the entire procedure, something that can have serious ramifications in the future. However, there is a simple yet efficient solution to this problem. And that resides in the formulation of an exclusive listing agreement between the realtor and the seller.

How does an exclusive listing agreement weed out the flaws of the current system? And how does such an agreement facilitate all the three parties involved.

  • An exclusive listing agreement works both for the seller and the agent. The agent is assured of being financially rewarded if he sells the property for a higher price and thus is more motivated to achieve the same while the seller is most welcome to any high bids that the agent brings in.
  • By law, an exclusive listing agreement allows the agent to put up a yard sign in front of the property for sale. Historically, 60% of all buyers are attracted to properties after noticing yard signs. So when a yard sign goes up, the seller is assured of a higher market for his property which increases the chance of him getting a better deal.
  • Carrying on from the first point, if an agent is assured of his financial future with the property, he will also invest more in advertising the property which will of course attract more potential customers, driving up the demand for the said property and along with it, the price.
  • Through an exclusive listing agreement the property is provided with exposure to other agents resulting in the increase of the demand of the property and involvement of more buyers. A better selling price can be achieved by this procedure.
  • The exclusive listing agreement keeps the property seller involved throughout all of the stages of the transaction. The agent shares all information with the buyer and ensures that it goes without any hindrance.

With an exclusive listing agreement the seller and the agent merge into one team and collaborate collectively towards one single goal; exacting the maximum price of the property. For obvious reasons, such an arrangement is better than a seller working alone trying to sell his property while juggling the task with his other daily activities. Team work has always been considered more beneficial. Therefore, you are recommended to have an exclusive listing agreement with your real estate agent. This will surely make things easier for you.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Cullen Martini

Know the Essentials to Buy a Property From the Real Estate Market

The real estate market is an ever-growing one. The buyers can get great deals from the market even though the market is not a fully grown one. The only thing that they have to keep in mind is that they have to know exactly where to approach. In this article, we have provided some of the tips that will help you to buy the best real estate property. Keep reading this article to find out what they are.

Enough Credit

Before you buy a property then it is necessary that you should make your credit a sound one. This will also determine if you would get a mortgage or not. Get your credit score checked if you want to get it on loan. Until you buy the property forgo any purchases that would incur you huge amounts of expenditure.

Get a Proper Inspection Done

Hire an inspector who will inspect the new home for you. They do scrutinize the place in details that helps you to find out major to minor faults. The more you are aware of that the more you will know the costs you will need to get them repaired.

Go To an Agent

Getting an agent to find the right property for you will make the process easier for you. They have the right knowledge and the right contacts. This makes the process of reaching to your dream home a quicker process. For a more prompt support, you might contact more than one agent.

Find Out Schools Nearby

It is important for you to find a school near you if you are having kids. This is because the quality of schools varies from one place to another. Education is important and if you have kids then you will understand the relevance.

Pay Attention to Foundation

When you are buying a house it is really worthwhile for you to check if the foundation of the house is properly done. This will help you to keep safe in the upcoming years and even at times of climatic disasters. Moreover, if they are not properly done then you have to spend too much resource and time on their maintenance and repairing.

Determine the Cost

The last but not the least thing is that you have to know the cost of the property. If it is within your budget then only you would be able to buy them.

So, following these little things can really help you to find a good real estate property that will best suit your needs.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Achal Mehrotra

Farms and Ranch for Sale

It is so tempting to begin dreaming of the simple life when you see a sign that indicates „Farms and Ranch for Sale“. There is a certain romantic quality to rural living. Getting away from it all is the mantra of city dwellers. You can watch very wealthy celebrities enjoying their designer ranches on television frequently. Unfortunately, most of us are not wealthy and must work for a living. Running a farm or a ranch requires hard work. It is a major decision to buy any of the farms. And a ranch for sale that is purchased on a whim can cause just as much work and heartache if all facets of the purchase are not considered.

Finding those signs that say, „Farms and Ranch for Sale“ is not difficult. You can find many purchase opportunities from a variety of sources. The quickest route is to use a real estate agent. An agent will be familiar with all the properties for sale in the area you are interested in farming or ranching. Even if you desire to purchase outside your current home state or area, a real estate agent can locate properties around the world if necessary.

But before deciding to make a major move by purchasing any one of the farms and ranch for sale, make sure you understand the ramifications of your decision. Farms and ranches are in the country. It is often a long drive to the grocery store. Both require hard work and dedication. Sometimes you will be unable to leave the property during bad weather. The property must be regularly maintained. There will be problems you have not even thought were possible. There are outbuildings to maintain, roads to clear, fences to mend, and livestock to feed. Often wild animals will cause damage to your property that will have to be repaired. In other words, there are actually many more things to worry about when considering the sign that says „Farms and Ranch for Sale“ as opposed to purchasing a condominium.

But the joys of rural living are often more than enough to overcome any difficulties. If you are one of those people who is determined to move to a farm or ranch, then nothing can be said that will discourage you from your mission. In that case, the next step is to find the right property. That means determining the size of the farm or ranch for sale that is workable for your budget and time. It is recommended that you start small if you are a beginner. Don’t try to take on too much in the beginning, because you can always expand later on.

Beware of prices that appear to be too cheap. There is most likely a reason and it’s not a good one. Unless you are one of the fortunate ones to find farms or a ranch for sale at bargain basement prices due to special circumstances, prices too low can indicate a problem. If you use a real estate agent, make sure the agent does a complete financial history on the farm and ranch for sale. Seeing how often and at what price the property has been sold can reveal a lot of information and raise many questions.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Mark Williams

How Can I Sell My House For Cash?

If you are in the unfortunate position of not being able to sell your house and keep asking yourself „how do I sell my house for cash“, especially if you want to get rid as soon as possible, this article will point you in the right direction. You will find out the best and most efficient way to sell your house.

This article will also go into the reasons why people want to sell their home and why some people need a quick sale. It will also go into the whole process of a quick sale and what to expect when exploring an alternative to the long drawn out process of the traditional estate agents.

The reasons why most people ask „how can I sell my house for cash“ and want a quick sale may differ greatly:

*Couples going through a divorce would find it beneficial to cut all ties as soon as possible, so selling the house and splitting the proceeds would be of benefit in a very stressful situation.

*People who are in debt and heading towards repossession will be able to cash in before they totally lose out.

*People who need to relocate in a hurry can use the cash to help set up their new home.

*People wishing to downsize to a smaller property

*People wishing to upsize to a larger property

*People who simply cannot wait for the long drawn out process through the traditional open market via estate agents.

For whatever reason you wish to sell, you will benefit from the cash outlay after the speedy completion.

The process for a speedy home sale is relatively easy and straightforward. You simply provide details about your home to an efficient cash buyer. They will then assess your needs, requirements and suitability for a cash purchase. They will then give you an estimated offer.

Assuming you are both in agreement, a viewing of your property will be arranged. If the homeowner would like to proceed then a written offer will be made. All associated costs such as solicitor’s fees and all other legal costs of selling a house will be borne by the cash buyer. There are also no hidden charges so you will not be caught out forking out for unexpected costs.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Claudia Cilandros

Best Home Remedies for the Flu

The term flu is used to refer a common viral infection, influenza, which affects the nose, throat, lungs, including the complete upper respiratory system. The common symptoms are high temperature, headache, chills and sweats, runny nose, and a complete loss of appetite. Some people have symptoms like back aches, fatigue, and feeling of being washed out, diarrhea and sometimes vomiting in young children. There is no cause for worry as there are simple home remedies for flu which can lessen the symptoms of flu and help in early recovery.

Elderburry in any form for example, as juice, tea or syrup is a potent home remedy that can help to knock out the symptoms of flu. Elderburry juice can be mixed with lemon juice and honey or it can be brewed as a tea and taken to purify the lungs and skin. It also has the capacity to generate perspiration to reduce fever. It has calming properties and acts as a detoxifier to reduce congestion caused in respiratory organs.

Home made chicken soup takes care of the symptoms of flu and it is also one of the age old home remedies for flu. Rest is also the most simple and effective home remedy because it helps the body to relax and the immune system to ward off the virus. The intake of fruits which are rich in vitamin C like oranges, mango, papaya, guava, etc helps to boost the immune system and provides relief from the symptoms of flu.

Dry cough which is a symptom of flu tires the body and prevents the patients from getting enough sleep. Therefore, to prevent cough it is better to chew few cloves of ginger root or take a mixture of the age -old home remedy that is a mixture of ginger and honey. To prevent cough, honey can also be mixed with a cup of hot water and taken. Garlic, the kitchen queen, when taken initially, lessens the severity of the symptoms of flu.

Flu is always accompanied by vomiting, diarrhea, etc so the body suffers from dehydration. So the herbal remedy to counter dehydration is to have a good intake of liquids. The patients should have plenty of water, fruit juices, warm soups, herbal teas, electrolytic beverages etc to keep the body well hydrated. An important thing that the patient should avoid is caffeinated drinks and also alcohol. Keeping indoors humidified is another effective home remedy because the moist air helps to prevent the spread of flu and also relieve nasal congestion.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Chris Cornell

Schwetzingen Castle: Heidelberg’s Neglected Cousin

Each year, hundreds and hundreds of tourists flock to the famous Heidelberg Castle for pictures of the exquisite red ruins. Unfortunately, many of those visitors overlook the nearby Schwetzingen Castle and Gardens. Only a few minutes from its more famous cousin, Schwetzingen patiently waits to be enjoyed.

With roots as far back as 1350, Castle Schwetzingen is a delicious example of baroque architecture. Electors, Princes, Counts as well as famous writers, poets, and a seven-year-old Mozart have graced the echoing hallways over its history. Delight in the details as you explore room after room in this exquisite palace – painstaking restoration work has kept this piece of the past in pristine condition. Although the castle is an experience in and of itself, some argue that the gardens hold the real pull for visitors.

Symmetry is supreme, giving a balanced feeling to even a short glance out into the gardens. Meticulous organization harmonically coexists between the lush green life of nature and the stark man-made marble that is heartily sprinkled throughout the gardens. Rows of arched greenery hide the visitor and if for even a moment, give total solitude from the outside world. Pan hides among the living maze, perched atop a large boulder and playing a silent tune for a forest audience. Stop and listen, hoping for a note or two from the lone performer. The Temple of Apollo boasts from a small hill; a few well-angled sunbeams make its fence line full of golden suns glow. Travel to exotic lands by passing the marble lions and perfectly manicured trees which silently guard the pathway to the mosque. Imagine the scent of incense burning while listening to the low lull of a mid-eastern melody. Continue on to discover the Asian bridge and the temple ruins before losing yourself again in the labyrinth of foliage.

See pictures of Schwetzingen Castle and Gardens and more of Europe’s hidden treasures in „Europe for the Senses – A Photographic Journal“ by Vicki Landes. Available at Amazon.com and other major bookseller sites.

http://www.EuropeForTheSenses.com

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Vicki Landes

Destinations in Southern Germany: The Romantic Road

The Romantic Road follows an old trade route and leads from the city of Würzburg (see a previous article of mine for a description) to the foothills of the Alps. Driving along the Romantic Raod, or part of it, gives you a chance to experience medieval towns, baroque palaces and King Ludwig’s castle.

You can see a map of the Romantic Road at http://www.romanticroad.com/.

After driving south from Würzburg, your first stop should be the palace in the town of Weikersheim, with its marvelous baroque gardens. Further along the road, the town of Creglingen offers the Herrgottskirche, a church famous for its altar carved by Tilman Riemenschneider in the early 16th century.

The road then follows the Tauber river to Rothenburg (which I have described in an other ezinearticle). Take your time to walk around this charming town enclosed by a wall and towers. Among the main tourist attractions are the Crime Museum, St. Jacob’s Church (with another altar by Riemenschneider), Käthe Wohlfart’s Christmas Village, where you can buy Christmas-related items all year long, and the Doll and Toy Museum.

The town of Dinkelsbühl is similar to Rothenburg, as it has preserved its medieval character, though its is much less overrun by tourists. Further south, you reach Nördlingen, a walled town dominated by the 270-foot steeple of St. George’s Church. Nördlingen is famous for a geological feature, as it is situated in the center of a 15-mile wide meteor crater. You can learn about it in the Rieskratermuseum.

The city of Augsburg, which was founded by the Romans 2,000 years ago, is the largest city on the Romantic Road, so be prepared for some heavier traffic here. Among the highlights are the town hall, the cathedral and the Fuggerei, a settlement that the rich merchant family Fugger created for poor citizens in the 16th century.

Further south, as you begin approaching the foothills of the Alps, you should visit the Wies Church, a perfect example of the Rococo style. And finally, near the town of Füssen, the is Castle Neuschwanstein, built by Bavarian King Ludwig II in the late 19th century.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Pamela Bruce

Nursing Home Care Versus Home Care

If you’re in the market for long term care for an elderly or disabled adult who needs medical monitoring and assistance with personal care, hygiene, and other daily living activities, the odds are that you’re considering both nursing home care and at-home care. These two options are the most poplar solutions when a loved one’s medical needs have progressed beyond what the patient can do for themselves or what the patient’s family can provide. Choosing the best option can be a challenge. Both offer benefits and drawbacks, and in the end, it’s a question of which one better serves more of the patient’s needs. Understanding the positives and negatives of each long term care option can help make the decision easier.

One of the big benefits that nursing homes provide is the opportunity for structured and unstructured activities and socialization. In many nursing home settings, residents who are able to participate will find themselves able to participate in everything from field trips to resident council meetings. Larger nursing homes usually employ activities directors that arrange outings and transportation, club meetings, games, and social affairs for the residents. In addition to socializing with other residents, it’s not unusual for residents and staff members to develop friendly attachments. Speaking of staff, nursing homes employ enough staff to cover patient care and medical needs 24 hours a day and 7 days a week. Even if several people call in sick or inclement weather prevents people from driving, you can be assured that at a nursing home, there is a full staff to see to your loved one’s needs.

The primary drawback of nursing home care is the loss of familiar surroundings that residents will experience. It is not at all uncommon for normally alert and oriented patients to become confused while transitioning to nursing home care, though this typically does not last long. Residents are usually assigned a roommate, or will have to pay extra for a private rooms. Private rooms are often scarce even for those willing to pay extra. Because space is limited, nursing home residents are only allowed to bring a limited number of possessions from home. If the most adequate nursing home for a patient is located far from their home, they may even lose the comfort of familiar faces, as family and friends may find it difficult or inconvenient to visit. Patients may feel abandoned, may be distressed about the loss of privacy and possessions, and may be intimidated by the many strangers that work and live in the nursing home.

Employing an agency to provide nurses and aides for at-home care or hiring nurses or aides privately neatly addresses the problem of unfamiliar surroundings. Home care allows the patients to keep their possessions, stay in the home that they’re familiar and comfortable with, and avoid unwanted interactions with strangers. It’s common for agencies to send the same home care team to a patients home on a regular basis, and when hiring private medical caregivers, families often choose caregivers who are interested in live-in positions. That means that the patient can get to know and feel comfortable with their caregivers. There is usually a lower turnover in these positions than in nursing home positions. Being the only patient in the house also affords the patient with more privacy than an institutional setting can. Family and friends who regularly visited before the home care was needed won’t have to change their routine to keep in touch.

On the other hand, a patient who already had little interaction with family and friends can become very isolated when being cared for at home with only the caregiver for company. At-home care also carries the risk of the caregiver not showing up when needed, either through scheduling errors or in emergency situations. Depending on the physical and mental state of the patient, being left alone could be a minor inconvenience or a disaster, or anything in between. It should also be noted that, while the majority of home nurses and nurse aides are caring individuals and upstanding citizens, the risk of abuse, theft, or fraud may be higher in home care situations where there is less oversight. Families should also consider the cost. At-home care often costs more out of pocket than nursing home care, and in many cases, money must be spent to outfit the house with rails, a hospital bed, and other safety and medical accessories.

In the end, the decision is a personal one for the patient and family. Keep in mind that any patient who is able should take an active role in discussing and deciding their medical and personal care needs, and if at all possible, the final choice should rest with the patient.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Cheryl R Baer

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