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(41t11'(llv 11'l'wd 110111 ,Ill ('111'.111,11 1.l'llllil,lll' 01 dl',nll duly lih'd widlll1l' ,I.', I.lIrall,tl'1';,>ilrllr: TIll' 1I1'iglllid ({'I'lll it'.llt, willll(' llll'w.lrdt't! III dl\' ~1,1I1' \'it.d Ill'wltl, Oil If (' II II Pl't'IIi,III('1l1 filing '\ WARNING: It Is Illegal 10 dup"c~to lhls copy by photostat or photogralih. 1'",.(.., i1,i> ",'qili',II,.S!,111I .~~t<a<4r ...... .........226.0.6 8.3 No. I\P~Y6 J9QA . .... h.. 1l.IW COMMONWEALTH OF peNNSYLVANIA' DePARTMeNT OF HeALTH' VITAL RIOOROS CERTIFICATE OF DEATH t'.lr.IOIt,11f) I, IlaJllOlld llantello ,.. r1 IV - .... u ...... D,QI nH 'Il\f~ lCtr.'"d (.....11I'I0..,.,.,,) ~..tlf,l..lIC<.t..,11 JIII.16,1922 llarrbbur" PA IWI'II I<<",*," ~ IOCtAUI llf'n'f'NI ,. I IIale I, 187 - 0' -9892 pUCI(WOIRHIO>tcIo~'ttOlIt ...........lICl.6o'4ll1'1~1oOI 'OtP1,,~, .......0 I~IJ DOlI(] :::0[1 01 R ~ ..., .. AlJrll 4 1994 72 ,. =-"0 , " "" l V WflllNAI"'ll'01""\If,,,...11VT'tJll1 -- ..t PellD.boN , !l!.!! Ilaill:oad pili '. ~ ....:::::1...- 114C1f 'I ~..; t4 1?JJ -..~t<fI4"-- enD. Ofctl Iff', ""VAl NIlOINCI 1"",10(110(" 00l0lNl..", I"....'. l~, CwNot Pe1'l'J "'" - ..... ..-, "-'lMl 1r0lll 11...0 At; A LICIt - " ...0 . .................II~-.Nc:hC IlIeliMll'I MllnlllllltlllOlMof LIlIl......,.............-.. .~~~~".~.J,~ tutl'l" ~.. QI..tlof.".....'IOcIOINI/1 ... -- -- -...- "'" . -..- ....,-.- ...... '*'lNIIN.YM1 -...e::::o ..., ~fl=:tu, [J r:J f'] III- ... " ~1IOt""lltt....M...., . I'\ACfo,lH.M1,(""~"''''.,.....IUIory,.. - ~"C~III Me. ..." *, '0IIn"~~~~C""",*"'l"'QctuMclo...f'~.""""I"'rw:..."r"'11'0"""""~t<J0itI""clC(l~'~"",~II) .......If,., ,tIMIIl...............~.I....IlIIW'M..t\MH. ... .,., ,..., ... ., ......,,,...,.. .. 1YUN.ll'flIOftto COW\lfIOOOICA.l111 OIDlRHl ....... ~ IJ 1.1 OAlfOf'kIU"'f' Il.hlhOI/-"1 .J ....CWIlrWAV ~ C.A. D .......,,, 0 Non n. ... '. .... I :-MfO(~liA~:~~~~l__ ------- DOl TO{OOA' Af.(.tj\€OtIltf.:1 fil II _ ~. _~.__ ....- " .-.. "'- P....w.elffltll~loun ... 0 No~ ... ['J ",lCJ ..... 'M1 JQ ""N'lDCIIt1W'f..""tlQANft>fW.11.o~1"1I0'~~'IM4''''I(t<\I,t'''''(''''MldliUf* ........"..,~,...................,...., 1M....., .,.......IM.....IIWNMN........,..,.".... '_..a_ 1M....... ...,....... """tllIw~, '" My""", _III OMlllfH It tfIt IIMlI,Nt..... ,..... tIllfM"!hI MUM(')IM ............. ,."... ..., ..... ,....,...., ,.,. '.....,.,.", ... .,.... ,.. ,.,..".". "'" ......." ." .... t., ,... '" . , ' , ' CoreS tal.. Flnnnolnl Curl' CPA &, Governinent Reque.' Depallment PO Box 8667 . Philadelphia PA 19101-0007 2159734619 ' (foIlM"y GtJlw;clilllwn CUlnStnh.. I3nnk N^ " , I'hllndnlphln N~lIollul l3unk , COlnSlnles I'lrsl I'onnsylvnnlu IJlInk , ColoSllIlos Ilnllllllon Dnnk ' , Now ,JOISOY Nnllonlll IJnnk , , , I CoreSt.t.. ,. I' " DeoeDer., 1114 " Cbub. I. Sbield., .III Mellon I.nk luildinq ."e.t Main street , Meob.nio.burq, 'A 17015 " , , " ae.' ISTATI or Reymo~d Slanteno ~~. 9r PlATH I ADri1 t. ~"4 De.r Hr. Shi.ldal In re.pon.e to your l.tterof Nov.ab.r 2', 1..4 pl.... b. advi..d th.t ", tb. d.oed.nt held the followinq aooount(.) with our,b.nJcI , Aooount,No. 13.80-02815 SAVINGS Titl.. Ro....ri. K. Iv.n. Raymond Ilanteno Date Opened. 01/31/14 'I Dat. of Deatb lalanoe. $15,366.74 ," " " , , Aoorue4 I.ntere.t. 8 lI.U , , ",I " Total. $15,382.35 , "'; 'I' " ". I- I'. " Aooount No. 63950-02676 ":1 SAVINGS " ,', " ',' Title. R.y.ond Ilant.no Ro....ri. H. Iv.n. i ... \ Date Opened. 12/07/92 , D.te of D.ath , ;,1' I; 'q a.l.no.. $4,573.14 " I' Aooru.d ,\ . Inter..t. 8 .88 , " " T~t.ll $4,574.02 ' " " " 'I t. ,I,ll " ",. , , ,J' L ,\ , , . OoIeStllea flOOk NA \Pt;lIadIIPhlft Nollollal "ftllk alld COI.Slal.. FI"t Porm.r,lvlnlft IlIIlM/ " Hemlllon S.hk ' New J.,..y N. leln.1 a.llk ' Co,.Slftl.. n.llk of U.lnwol. N^ ' Phil."1 phi. 11I1.1lI01Ion.' Q.nk d', ,:" " ,II ,t" I' I ,I Pave a I; " I, ! , ,j', " , ' ~aaount Irol Titl.1 1501-8441 OIIOKIIlG Ray.ond Bl.nt.no Ro....ri. M. Ivan. 01/31/14 , 1-;, ' , , 1 " I, 'I , , ',' Dat. Op.n.ell Dat. of D..th 8.1.na.1 Aoon.4 Int.l'..tl Tot.ll " ) ~ I', $5,311.41 " .,' 8 1.54 '5,311.00 " .. tn.t ". bav. b.en of ..ai.t.no. to you in tbii .att.r. ,'.' 'I: 8inoue1y, ~~ ~""~ " ,j utbol' ..el iqnatur. " I, " '118/4:1 .. ," " \ ,! ,. l" , " 'I: ". , " IN REPL V REfeR TO: " i 1'1, ", .. 'I' I' !JMBMA EDWARDS TEL. 1215-873.4619 '. " ",,'1 '. '" -,j' (lOVERNMENT SERVICES DEPT, I,',' '" " fO: 01ol)02.11).18 " " " . -, ~ : p, O. BOll 8867 , " j,-' i,l , PHIIADELPHIA,PA 19101 I' ,;J I " " , I,;" :/,' " "' I' I' , " i,f' 1,',1 .1. ".' " 'd' 1:- ,. '" , " ,- " 'i " , ,!',l ,. .. " " " ". , 'I.' " r" , " II' j,' ,'; !; " '/.' I: " :' " 111 , ," ,,' , " , , " " ,,, I' " '" , " 'I " \, " ,; , , jl' ,1,'1 ,,'-I. .', " -i, " '-1\ .1' " 'II' " " ,',I,' " " , I" " " ,. ", ,. , "Ii, 1.:/ 'I" ',. " "'i , ,. ,p " " I' " " , ,. .'" (I', fi' " ",' '.' ", I' I,' , ", "1- "I' !, .' " ,. " , ! " ..I l, ,. ., " p " I' ,." .'. " " "f, ,,, " ", I: " , ,. I , " .. " " " USED VEHICLE APPRAISAL .</,.1/ .:s BUBINEDS PHONE MAKh::" --,MODEL /~/.t> ______1 . ,td/E'~ ~DYS1YL7;t::' MI??7t1 LICENSE NO, d 4C't'1. 0 AUTO ..POWER.. a eC't'l. "rf AUTO 010 ~ BRAKES 0 eC't'l. 0 3 SPEED STEERING 0 TURBO 0 4 SPEED 0 WINDOWS 0 DIESEL 0 6 SPEED 0 LOCKS 0 4X4 0 SEATS . 0 AM IJ V-RDOF 0 TILT 0 AM-FM .0 SUN ROOF ~ CRUISE ;Z(' CASSETTE 0 MOON ROOF 0 C,8, 0 T-TOPS. IIImID 300/500 I ~ItQRDI INTERESTED IN I RICHARD J. FRITZ MASTERS t . S^"RS PROFESSIONAL WAR \ I.. 0, SMITH FORD INe, e nth. Merkel St, -' COMMENTS: Lomayno. FA 17043 (717) 76\06700 . Phono. I ..._:.:J/ 1 (AOO) 42a.FORD .. APPRAISAL~~ .>~O SAL~SMAN ;;;L- \' stl! 8Y . '. r '" " I' Meridian PO Bo. 1102 Reeding. PA 19603 . Meridian Dec~m~er 19, 1994 TO: Ohar1es E. Shields III ADDRESS: Attorney at Law Mallon Bank Building 2 Wast Main Street Mechanicoburg, PA 17055 RE: Estate of: Raymond B1anteno Date of Death: Apl'i1 4, 1994 Accounts and Bal~nces on Record as of Date of D~: DATE DATE ACOR. ACqOUNT il ACCOUNT TITLE OPENED C1l.OSED PRINOIPAlI m..... 00 3093618530 Raymond Blanteno or 01/06/86 08/02/93 Annabelle L, Blanteno CD 4003501014 Raymond Blanteno or 08/06/93 '2,874.79 81.32 Rosemary M. Evans I " " " " " . , " MERIDIAN BANK, fj~ ~.L Debbie Menge . (610) 655.3352 , , DM/hlb/5!l1 OK -Oheoking SV - Savings 00 - Oertifioat~ of Deposit XO -Holiday 01ub VC.- Vaoation, Club CL - Oommeroial Loan IL - Installment Loan DB - Disoount Brokerage I'L - Plus Loan Pit - Student Loan SO - Safe Deposit TR - Trust WL - Will LT - Living Trust MO - Open Line of, Credit MG - Mortgage LA - Auto Leasing I- _ I' ..""Ullllltl,'."l '''Al. O' ITEM . NUMBER A. 1. J. PI.a.. Prlnl or Typ. rLl NUMB~I_ 9tf _ 9s I AMOUNT ~j~ COMMONWIAITH O. IINNlYlVANIA 'NHIRITANCI TAR !!TURN 'U'OINT OICIOINl SCHEDULE H FUNERAL EXPENSES, ADMINISTRATIVE COSTS AND MISCELLANEOUS EXPENSES ~.4Ylilll/lJ BLIINr!iNtJ DESCRIPTION Funeral Exp.n..., , 1114 S$F.t.IfIlA'$ rtlA'G,(,.,..I- IIMIE tJGAt.~& ,C'/.pwas 8,' Admlnlstratlv. taslll C, I. 2. 3, 4, 5, 6, 7, 8, 1, Penonal Repr...nlallv. Commlnlons I2oJEII1"IlIG trv!fMS Social S.curity Kumb.r 01 Pellonal R.pr.s.nlallv.l Year Cammlulans paid 2, Allolll.y Fe.s (JIIA~/.IN .e-. .sf{ I4iZ.DS :DC ~!;,E1i EkAANIITlDN DN &t:jJtf~l#rli' .5N4Fltlr 3, Family Ex.mpllo,; Clalmanl R.lallon.hlp W 1/ n'/!1) . Addr." of Claimant al d.c.d.nt's doalh Street Addr.u City ____ 5101. . Zip Cod. .4. ' Probate Fe.1 w.uI Jhod ~e,.f,'h'co..tt.s MI.c.llan.ou. bp.n,," f/.c/.,uft'sl(J in Ct.<.MI..vI..J La-w JDtArno.l !hIvert/,s,'''I in I-IAr','o56"'a f6.f1-jot Me~.we.lt A-dJ.,'nollal Iro6ate ret- nr.~ :Ji.lterifRllct!. r.w nt!. TOTAL (AlIa .nt.r on IIn. 9/ R.capitulatlon) (If mort .pac. I. n..d.d, Inllll additional .h.... of .am. 111.,1 ";1., ~ 7~ ' H 'fIl 'in Sf /))11-1 VE:/) ~.tI, 01 'If' "'" WA-IVEJ) . 6~.(f'f) ,If i/tl. oD'CI "J.l8. PS' , ;uJ. (1f) ~$". 6f) s 7, IH. ~/Q .' .' 6s-mrt: ~F i(/l-Y IHhV/J Bt.AtVr€/tI() .;//~ ~~-pS' &N7/NlM1ioN of .Sa.HE'IJ. II. Jf t<.e: II f~~IV~Y:S FC1:b! ',- I 711t: /I T'Tut"lIfYS FI':iG 7P eHlH2tES ~, {i#/6~S.11I" IG ~11/~~.sciJ ()F -rifE Fo/..L.IJW11V6 ~ , ,4,) .srA-NDllt(JJ G.!>71fTtf StrrnG/HtNT FI:fE~.s...:I pAl 16t f/ I~~ ()R~ = "11 IJ,t..IJ "u ... g.) In!? /JLAN7E7V~ AW.D NI.s w/Pc J)/VltJe:D ,'()I.~tf ttS~lir.s IN t/1tt:~/f&l77ol1/ ;:;'1( /HI?S. I3tlflV7'8V()$ eN r!t.v 1/1/1P /I I/IUf(.SIN6- l-(()lHl: t1WP 7b 1iTY4i1V.1kItU.Y f(I?Olilrt: 4-~S/~r~lVeG' /V1n(lJu'1' II/WItt/v /H.L. ~~~E'rs ~F ;jo Tit St?tJH SE"S Ve/! U: Ttb By 7,....,E <<51'41111>. ~tll" IZtl.I..E~. 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DUL V AND PROPERL V SEVERED ~D SEPAR4TED ENTIRETIES PROPERTY HELD WITH HIS THEN WIFE. NOW WIDOW. ANNABELLE BlA~ENO AND TRANSMITTED SUCH SEVERED AND SEPARATE INTEREST 00 TO HIS DAUGHTER. ROSEMARIE EVANS. BY HIS LAST WILL AND TESTAMENT, I. BAO~GROLtllD TO AND PURPOSE OF THIS MEMORANDU~ , , Charles E. Shields, III, Esquire, of Meohanlcsburg, Cumberland County, Pennsylvania, submits this memo pursuant to a conversation of April 14, 1994 with : Jean Graybill, Esquire, Counsel to the Pennsylvania Department of Publlo Welfare, The purpose of the MEMORANDUM Is to furnish all necessary facts and legal rules and prlnolples to Ju&tlfy and mandate an administrative finding that: a.) Raymond and Annabelle Blanteno had Intended to and had accomplished a severance and separation of their entireties property; b.) thai the severed and separated portions of their property would be considered the sole property of each Qther; c,) that Raymond Blllnteno's severed , and separate property would be his absolulely and thus could be lawfully transmitted to , his daughter, Rosemarie Evans, through his last will and testament, II, BASIC FACTS RELEVANT TO PROPOSED FINDW 1 , Raymond Blanteno and Annabelle Blanteno, his wife, were lawfully Joined In holy matrimony at all times hereto relevant, 2. In November 1992, Annabelle Blanteno began to explore the means and methods of applying for aid In conneotlon with entering a nursing home, She would eventually enter the Blue Ridge Haven West Nursing Home. 3, At that time Blantenos were advised to and decl,ded and agreed to divide all . of their assets Into equal shares between the two (2) 01 them. 4. Pursuant to the aforesaid advice and consonant with the aforesaid Intention and agreement, Raymond Blanteno conferred with his personal counsel, J, Robert Stauffer, Esquire, of Meohanlcsburg, Cumberland County, Pennsylvania, 5, At the said conference, Raymond Blanteno, In accordanoe with the aforesaid agreement, proceeded to alter his will by deleting his wife, Annabelle, as the prlnolpal and primary beneflolary and replaolng her with a direct bequest, devise and gift to his daughter Rosemarie Evans, absolutely, 1 ,1,> I,t. '6, , The said willis daled December 2, 1992 and also appoints the said Rosemarie Evans as OK9cutrlK..the capaclly In which she Is now acting, (See a true and correct copy of said will attached hereto as EKhlbll A). 7. By July of 1993, Annabelle Blanteno had almost totally used and spent all . of her allotted assets, The said Rosemarie Evans, aotlng as her duly authorized power of attorney, removed Annabelle's name from all proper and pertlnenl accounts. 6. At about the same time, pursuant to Raymond Blanteno's wishes and dlreotlon, and In aocordance wllh the aforesaid agreement of separation Into equal shares, Raymond's accounts had his daughter, Rosemarie Evans, added to them as a joint tenant " wllh right of survivorship and not as a tenant In common, 9. In lurthllrance of the said agreement to sever, and pursuant to previously referenoed advice from Deb Campbell, Raymond and Annabelle Blanteno, by and through, Jack Gaughen, Reallor. entered Into an agreement to sell the really and a mobile home slluate thereon at 5 Burley Road, Dunoannon, PA for $44,000,00 10. 'fhe mobile homes and really were subsequently sold to Henry M, Campbell and Kelly Anne T, Campbell, his wile, 11. The seltlementtook place on May 3, 1994, (See copy of settlement sheet attaohed.) 12. The funds received were and are currently segregated, One half thereof Is being held In the ascrow account of Charles E, Shields, III, III. LISTING. ANALYSIS AND APPLICATION OF PERTINENT LEGAL AND EaUITABLE RULES AND PRINCIPLES. Thll case at hand Is largely controlled by the feudal law of estates and very ,Intrloate rules of what Is oommonly referred to as "eqully," ' Since the applloable rules and prlnolples are largely drawn and developed from ancle.nt, aroane, and abstruse theories and their often nebulous and theoretloal applications, II Is very easy to get confused by them and to thus arrive at an Inappropriate conoluslon. In order to prevent the often Inherent confusion In any ellort to apply such rulss to a conorete oass and to better Insure that you are aided In every way possible toward making the proper deolslon, we will take the time and effort to advert to the fundamental prlnolples and their largely chronologloal development and to lay them out for you In laymen's terms to 2 ," I' the best 01 our abllllles. We shall do this under the headings which lollow: A REGARDING THE FEUDAL LAW OF ESTATES AS THEY APPLY TO THE INSTANT CASE. The leudallaw 01 estates Is stili the basis 01 most property law In Pennsylvania. It Is also one 01 the most conluslng areas, If not the single most confusing area, 01 the law lor allllrst year law students. In order to ellmlnElte the conluslon we shall simply list and analyze those several relevant iorms of estates which will better enable us to arrive at a proper conclusion. BOUVIER'S LAW DICTIONARY (8th ed. 3rd, Rev, bl' F, Rawle, 19'14), (herelnaher BOUV. L..D..), at 1075 dellnes an estate: ESTATE. (Lat. sla/us , the condition or circumstances in which the owner stands wllh reference to his property). The degree, quantity, nature. and eKtent 01 Interest which a person has In real [and/or personall property. It signifies the quanlllY 01 Interest which a person has, Irom absolute ownership down to naked possession; Jackson v, Parker, 9 Cow. (N,V.) 81. The estates which are pertinent to our analysis are: 1 .) An estate In severally; 2.) A tenancy In common; 3.) A Joint tenancy with right of survivorship; and 4.) A tenancy by the entirety. We shall address and analyze these serIatim. 1 . ) THE EST ATE IN SEVERAL TV. a.Q.UY.J....Q., at 3055, provides a simple dellnltlon: SEVERAL TV, ESTATE IN. An estate which Is held by the tenant In his own right only, without any other being Joined or connected with him In point of Interest during the contlnuanoe of his estate. 2 Bla. Com, 179, This type of estate Is the most common, in laymen's terms It means you are the absolute owner by yourself and can do whatever you please with your own property so long as you do not violate any laws. For eKample, you can give awat or will all 01 your property to whomever you ohooso. See also, In this regard, 1 Reeves, RBal PrQPBrly (1909), seat. 75. 3 " " 2.) THE ESTATE HELD AS TENANTS IN COMMON, BOllV. L D., at '1077, again provides II simple dellnlUon: ESTATE IN COMMON. An estate held In Jolnl possession by 2 (IWO) or more persons at the same time by several and dlstlnot tilles, 1 Washb, R. p, 415; 2 Bla. Com. 191: 1 Pres. Est, 139, This estale has Ihe slnglo unlly 01 , possession, and may be of real or personal property: Harvey v, Cherry, 76 N, Y. 436; Jones v, Cohen, 82 N, C, 75; Withrow v, Blggerslaff, 82 N. O. 82; Stookey v. Carter, 92 III, 129; Kean v, Connelly, 25 Mlnn, 222,33 Am, Rep. 468; Goell v. MClrse, 126 Mass, 480; Ennis v. Hutchison, 30 N, J, Eq, 110: Buller v. Roys, 26 Mich. 63, 12 Am. Rep, 218. Put another way, an estate or tenancy In common Is held to exlsl "when undivided Interests are owned by two (2) or more persons wllhout the rlghl of survivorship and with no unlly annexed to It save that of possession." An "undivided Interesl" simply means that each of two (2) or more persons Is understood to be enlltled to a fraotlon 01 the property bul that fraction has not yet been divided or severed and separated, Thoy hold an understood but as yet unsevered separate fraotlon for the time being as a unlly. In such a tenancy there can be an entire disunion of Interest, title and lime, The unlly of possession, however, Is necessary to a tenancy In common or else you would simply have an estate In severally. In a tenancy In common the possession alone Is deemed 10 be that of all, A tenancy In common may be created ellher by the deslructlon 01 an estate In jolnl tenancy or 01 a tenancy by the entirety, by a speclalllmllallon In a deed, or by a will. A tenant In common's undivided Interest will pass by his will 10 hip benoflolarlos named therein or, In the event, ho dies wllhout a will, II will pass by tho Inteslalo laws of Pennsylvania to his lawlul heirs, See In this regard, BOUV. L. D. at 3362 'UNDIVIDED" and 1 Reeves, Real Property (1909), seat, 78; 2 W, Blaokstone, Commonlarlo!l on Iho Law!I of EnQland (G. Sharswood ed, 1870) (1st ed, 1766) (horolnallor Bla, COm,) at 192. 3.) JOINT TENANCY WITH RIGHT OF SURVIVORSHle, Since thE! estate In Jolnltenanoy Is consldorably moro oornp/ox Ihan ellhor of the abovo ostates and since a full understanding of Ills orllloollo a fair analysis 01 the ollse at hand, we will desorlbe II In more detail than ellhor 01 Iho abovo oslatus, . An estate In jolnl tenancy arises whon lands or, In modorn tlmos, personally, aro granted to two (2) or moro persons to hold as an estalo In 100 slmplo (or an absolute estate. fOreV9r), an estate for tholr natural Ilfotlmos, an 09tato lor a torm 01 years (for 4 ,,', . I /, I I I I l~" ( I I I I " . example, a lease), or at will (until the granlor tells them to leave). , . The croallan of an eslate In Joint tenancy depends on the wording of the deed or devise or, In modern times, certlflllate of tille, etc" by which the tenants claim their tltle~ The law wllllhen unlle the tenants In law as the granlor did by name upon the deed or certllloate of tllle. The principle properties of a Joint estate are derived from lis unlly, which Is fourfold: to wit: a.) the unlly of Interesl: b.) the unity of tllle; c.) the unlly of time; d.) the unlly of possession; or, In ether words, Joint tenants have one and the same Inlorest, accruing by one and the same ccnveyanve, commencing alone and the same lime, and held by one and the same undivided possession. These unllles will now be discussed serlallm, a,) Ra: The Unlly of In lor os I: This means thaI both tenants must have the same unified Inlerest, In other words one tenant oannot be enlllled to an estate of a different durallon or quanllly than the other. For example, one tenant cannol be a tenant for and during his naturalllfellme and the other for a pre.determlned term or number of years (such as a one (1) year lease), Another example Is that one tenant cannct cwn an os tate absclutely or In fee simple and . the other held possession by a lease only. b.) Re: The Unlly of Title: This means that the Joint estate must be created by one and the same act, whether legal or Illegal, In other words, both tenants must take their IIl1e by the same deed of grant or by the same Inherllance through the same will. c.) Re: The Unlly of Time: This means that the Joint estate must be vest lid at one and the same lime, as well .as by one and the same tllle as stated Immediately above. d.) R9~ The Unity of Possessku1: Joint tenants are said In the law to be seised, or to be holding their possession and occupanoy par my 01 pAr toul, This Is a legal Lalln phrase maanlng that thsy each hold by the one.half (1/2) or "moiety" and by all or the whole or total. In other words, each I I 5 , l. r l~"'::"'T,.,.~..~~.."....t"""~~~'i7!"'W';;, ~""'!''''''''-T'\'''~'''''''''''''~'''''H'f'o''''''1'"'''''''~!'N'.~~~'II'''1I ,l'\ ~'\l" " f:)~!l.\;.":,,,;~,;< ;_,,',' ".-, . ': I _; , ' . Joint tenant has the enUre complele possession 01 tho Inntl or properly liS woll as every part or parcel 01 the whole land or proporly, Stated another way: one ollhom dOlls not own or hold one.hsll (1/2) and the other Joint tenant the olher one-hall (1/2), I~olthor ollhom onn bo uMoluslvoly In possession or occupancy 01 any ploce or parcol ollhu propOrly Rnd his companion 01 another separated piece or parcol, Ralhor, oach has nn undivided ono.hall (1/2) 01 the whole, and not the whole 01 en undivided one ,hall (1/2), .Qu1Ubol lolum lonol el nihil lenol: scilicet. lolum In CQIDmunl. el nihil soplnall," per Oil meaning "Eaoh holds the enllrely and yet holds nOlhlng; Ihalls Iho entirely In C0ll11110n and nolhlng separately by Itself ." &: Doctrine of Survivorship There yel romaine ono grand Inaldonl oljolnllenanclee, This Is Ihe "Oootrlne of Survlvorehlp." According 10 Ihls doolrlnll whon Iwo (2) or more persons ere owners of land or personalty ae joint \enenls, Ihe nntlre tonanoy or ownership, upon Ihe dealh of any Joint tenant, will remain 10 Iho survivors and at length 10 Ihe la~t survivor, The . las\ survivor Is enlllled 10 the whole oslate, whl.llever II may be, whElther a fee simple In absolule ownership or a life eslale or evon a lesser estate, Sir William Blackstone, In his Commenlarles on Ihe Laws 01 England, vol. 2, at pp. 183-184 (1765) makea Ihe lollowlnll commenl on Ihe operation ollhe "Doctrine of Survivorship:" This Is tho nalural and regular consequenco oflhe union and enllrety of their Interesl. The Inlerost ollwo jolnl tunanls Is not only equal or similar, bul also Is onu Rnd Ihe same, One has not originally a dlallnol moiety (one-hall (1/2)) from Iho other; but, II any subsequent aot (as by alienation or lorlelture of elthor) Ihe Interesl becomes separate and dlsllnot, the lolnltenancy oeases, But, while It continues, eaoh of two Join lenants has a (:onourronllnlerest In tho whole; and therefore, on the dealh of his companion, the sole Inlerest In the whole remains to Ihe survivor for the Interest whloh the survivor originally had Is olearly nol deve9ted by the dealh 01 his companion; and no olher person oan ololm 10 have a jolnl eslale with him, for no one oan now have an Interest In the wholo, acorulng by Iho same IItle and taking effeol al the sarno time with his own; nellher oan any ono olalm a BBparafalnlerest In any part oflhe tenemonts; lor Ihal would be 10 doprlve the survivor of the right whloh h~ has In all and every pari, As, theroloro, the survivor's orlglnallnteroslln Iho wholo sllll remains; and as no one oan now be admllted, either Jointly or sevorally 10 sharo wllh him thoreln: It follows Ihat his own Interost musl now be entlro and soveral, and that he shall 6 , I r' i I '.r~."r"""""~"'''',,,~~_,,,,,,,,.,,,,,,,~,,,,,,,;,,,_,,,~,,'~'' -."t .';." '~"''''1.j''''l.~''''-'' , . UJ ~ ~ 1 ' \, . J ' , , , , ' '. I , , , alone be entitled to the whole estate (whatever it be) that was created by the original grant. This right 01 survivorship Is called by our anolent Iluthors the !ua acoresoendl; (the right 01 survivorship], because the right upon the death 01 one Joint tenant accumulates and Inoreases to the survivors: or, aD they express It .pars ilia communlo accresolt superstltlbus, de persona In personam, usque ad ultlmam superstltem." IThat common share aooumulates to the survivor Irom one person to another, even to the last survivor.].... Rs: t'fow a Joint Tenancv may be severed and destroyed: A Joint tenancy may be severed and destroyed by destroying any 01 Its constituent unities. a.) 8e: The Unity 01 Time: The unity 01 time respects only the original commencement 01 the Joint estate. Since that time Is past by the time anyone wishes to Sliver or destroy a joint tenancy, the tenancy Is not a<<ected by suoh subsequsnttransactlons, b.) 8.p: The Unity of Possession: A Joint estate may be destroyed without any alienation, or, In other words, , without a grant or oonveyanr.e out to anothsr party who was not onll 01 the original Joint tenants. This can be done by merely disuniting the possession 01 the Joint tenants. This Is so because, as related above, Joint tenants hold their Interest per my et per tout and everythlnllthattends to narrow that Interest, so that they are not In possession and oooupancy 01 the whole and throughout every part, works a severance or destructlcn 01 thll Jointure. Also, therelore, II two Joint tenants agree to pari their lands or property, and hold them In severalty, they are no longer Joint tenants. Thle Is so because they then will have no Joint Interest In the whole, but only a several Interest respeotlvely In the several parts. And lor that very reason, the right of survivorship Is also destroyed by suoh separation. 0,) Re: Par1ll1on: Partition Is so closely related to the severance of a Joint tenancy that It should here be explained. BOUV. L. D., at 2470 provides the lollowlng definition: PARTITION. The division which Is made between several persons 01 lands, 7 / .~ \" 'I: " .t ., tenemonts, or hereditaments, or of goods and ohattels whloh belong to them as ooproprletora, Ths Is I'm Is more teotlnloally applied to the division 01 real est ale made between co.paroeners, tenants In common, or Joint tenants. Volun/ary partition Is that made by the owners by mutual consent. It Is effeoted by mutual conveyanoes or releases to eaoh person a/the share whloh he Is to hold, eKecutedby the other owners. Cruise, Dig. tit. 32, c. 6, sect, 14. By the common law all the Joint tenanls In a parllcular property might agree to make a parlltlon 01 the lands. d.) Re: The Slalute of Frauds: The Statute of Frauds might arguably affect any effort by Joint tenants to partlllon or sever the Jointure and therefore should here be dellned and addressed. . Bleck's Law Dlcllonary (6th ed, 1990) at 661.662 provides the following deflnlllon: Frauds. Statute 0/, This Is the common designation of a very celebrated English statute (29 Car. II, c, 3) passed In 1677, which has been adopted, In a more or less modllled form, In nearly all of the United States. Its chi sf characteristic Is the provision that no suit or acllon shall be maintained on certain classes 0\ contracts or engagements unless there shall be a note or memorandum thereof In writing signed by the party to be charged or by his authorized agent (e,g., contracts for the sale 01 gOOds priced at $500.00 or more; contracts for the sale of land; contraots whloh oannot, by their terms, be performed within a year; and contracts to guaranty the debt 01 another). Its object was to close the door to tl1q numerous frauds and perJuries, It Is more fully named as the "statute of frauds and perjuries," There Is speclllc and pointed case law which cloarly holds that the statute 01 Irauds has no appllcallon to a parol or oral agreement among tenants In common or Joint tenants to parlltlon their property, Including lands. The courts regard suoh a parol or oral agreement to partition as rather a dissolution of an e,(lsllng agreement than the making 01 a new one. See, e,g., Ireland v. Rlllie, 1 Atk. 541, 26 Eng. Rsp, 340 (Ch, 1739); Summorall v. Thomas, 3 Fla. (Hague) 298, 312 (1850) (dissenting opinion of Baltzell, J.); Ebert v. Wood, 1 Blnn. {pa,) 216 (1807); HaughabauQh v. Howard,3 Brev, (So. Car.) 97 (1812); Stuart v. BakaL, 17 TeK, 417 (1856); _ok v. Tandy, 28 TeK. 130 (1866); Aycook v. Kimbrough, 71 TeK. 330, 12 S. W, 71 (1887); MoKnfQht v. Ball, 135 Pa. 358, 19 A. 1036 (1890); Meaoham v. Maaoham, 91 Tenn. 8 ~., ".,.'t,.ft1." . " (7 Plokle) 632, 19 S. W. 767 (1892); L1nnarl! v. MoCulloo~. 27 S. W. 279 (Tex. Olv~ App. 1893): Wall v. Wall, 168 Pa. 621, 28 A. 164 (1893): see Illso, rei effeot of . partlllon on unity of possession, Harrison v. Ray, 108 N. C. (Davidson) 216.217 (1891); Byars v. Byers, 183 Pa, 609, 38 A. 1027, 63 Am. St. Aep. 766, 39 L. A. A. 637, (1898); Merrltl v. Whlllook. 200 Pa. 50. 49 A, 786, (1901). See, rei old English common law prlnolples, Co. L11l., seol, , 260 at p. 169a; Ireland v. RlllIe, 1 Atk, 541,26 Eng. Aep. 340 (Oh. 1739), Alsopp v. Pallen, 1 Vern, 472, 23 Eng. Aep. 598 (Oh. 1687). e.) Rai Tha Unity 01 Tllla: The Jointure may be destroyed by destroying the unity of tllle. For example, If one Joint tenant would allene and convey his estate to a third person. This would sever the Jolnttenanoy and turn It Into a tenanoy In common. See, e.g., Davidson's Lessee v. Haydon, 2 Veates (Pa.) 469 (1799); Anoler v. Worrell, 346. Pa, 450, 31 A. 2d 87 (1943). I.) Rai Unity 01 Inlaresl: The Jointure may also be clestroyed by destroying Ihe unity of Interest. .' gl) Effeot of Severance on Rlahl of Survivorship: Whenever or by whatever means the Jointure oeases or Is severed, the right of ,survivorship, or Jus aoorescendl, the same ceases with It. Nihil de re acerasoll el. qui nihil In re quando Ius acerescarB habet. (No part of Ihe estate accrues to him who has nothing In. the estate when the right accrulls), The above stated generel prlnolples and rules regarding Joint Tenancies, where no speclflo oltatlons have been provided, have been extraoted, arranged, and restated 'from the following sources: 2'Bla. Com.. 179-186; T, Littleton, L1ll1elon's Tanures. (herelnafter.Ll11.) sects. 280,281,288,292 (E. Wambaugh ed, 1903) (1st ed. 14~1); Hanslaad's Case. 5 Ooke's Aeports lOa, lOb (K. B, 1594); H. Braoton, Da Leglbua al Consueludlnlbus Angllall (The Laws snd Cusloms 01 EnQlanlll (hereinafter awa..) (transl, by Sir Travers Twiss, 1881) (1st ed. olroa 1250) at Book 4, treallse 3, ohapter 9, seol. 3, 10110 p. 262b, pp. 191-193; EIili, (ed. and Irensl. by H. G. Alohardson and G. O. Sayles, 1972) (1st ed. olroa 1290) (Selden Soolety, vol. 89), at book 3, ohapter 4, at p. 7; E. Ooke, Ihe Flrsl Pari 01 the Instllules ollha Laws 01 England. or A Commenlary Upon LIltleloo:' 9 "', - ~'t1~'''r>t~I~!'''''.W''lir'''''~~II'''IH\'~'1~~~,,,,,,,'l\~~-''.'~I~~'lff;'''''-IJ {"i".I:".'.,,I...f"-c, ',!~' I! ' ,c;. .- . ..:', " ; . . '_'.'- " -'. _, . .'",' .... , , " .j (herelnaller Co. L111.) (C, Butler ed, 1832) (1st ed, 1628) at seots, 281.282, pp, 182a.182b, secls, 291.292, p, 188b; seots, 303.305, pp, 193a.193bj OhlldRv. WeRcol, Oro, Ellz. 470, 78 Eng, Rep, 722 (0, p, 1596); 4 J. Kenl, CommentarleR on . Amerloan law (herelnaller Kent Com,) (12th ed, O. W. Holrnss, Jr. .ed. 1873), leot. LXIV, at pp. 357.363; Madden v. Goszlonyl SavlnoR and Truel Co., 331 Pa. 476,200 A, 624 (1938): HaQoertY'R ERlale, 311 PII. 503, 168A, 580 (1933); leaoh'R ERlate, 282 Pa. 545, 128A, 497 (1925); Philadelphia R. R. Co. v. lohlgh Coal and NavloellQn ~, 36 Pa. 204 (1860); American 011 Co. v. FE1lcluw, 136 Pa, Superior Ct. 598, 8 A. 2d 418 (1939); tlayeR v. StephenaQll, 192 Pa. Superior Ct. 392, 161 A, 2d. 900 . (1960); Rlcelll v. ForclnllQ, 407 Pa, Superior 01, 629, 595 A, 2d. 1322, app. den., 529 Pa, 651, 602 A 2d 861 (1991); Coohrane'R ERtale, 342 Pa. 108,20 A. 2d 305. (1941); Sheridan v. lucey, 395 Pa, 306, 149 A 2d 444 (1959); Yahnopouloa ll. S,gphQ.li, 243 Pa. Superior 01, 454, 365 A 2d 1312 (1976)j Frederick v. Southwlok, . 165 Pa. Superior Ct, 78, 67 A. 2d. 602 (1949); Kennedy'a AIlRUl, 60 Pa, 511 ,I (1869); earkhuret'R ERlale, 402 Pa, 527, 167 A, 2d 476 (1961); Jonea v, Carlaon, 67 D. & O. 2d 317 (Warren, 1974); Gllzan'R Estale, 362 Pa, Superior Ot, 64, 523 A. 2d 776 (1987); BroRe's ERlale 416 Pa, 386, 206 A. 2d 301 (1965); ~Iranaer v. Eplar., 382 Pa. 411,115 A, 2d. 197 (1955);. Hofferl v. Basllan,54 D. & 0.146,21 Leh. L, J, 233 (1945); ].ukac v. MorrlR, 7 Soh, Reg, 241 (1940); Benlger'R ERlale, 449 Pa. 373, 296 A, 2d 773 (1972); Alison v. Powell, 333 Pa. Superior 01. 48, 481 . A. 2d 1215 (1984); VarQaR v. Brlnlon, 305 Pa, Superior Ot, 357, 451 A. 2d 687 .(1982); j(uehn v. Zeimet, 26 D. & 0, 2d 543 29 Leh, L. J. 333 (1962); ~olzERlate, 4 D. & O. 3d 85, 89 (Montg., 1977); larendon ERlate. 439 Pa, 535,266 A, 2d 763 ,(1970), 4 . ) THE TENANCY BY THE ENTIRETY. . The lenancy by Ihe entirety, as does the Joint tenaroy, has Ihe lour unities 01 . . Inleresl, title, time and possession. However, II differs slgnlfloantly Irom Ihe Joint tenanoy In Ihat It also oontalns the additional unity of marriage whloh oarrles wllh It several additional legal prlnolples. Frederick v. Soulhwlc~, 165 Pa, Superior 01, 78, 67 A, 2d 802 (1949); Deloatch v. Murphy. 369 Pa. Superior Ct. 255, 535, A, 2d 146 (198,7); lllpez v. lopez, 30 D. & O. 3d 46 (Phlla., 1984); Vuocolo v. Vuooolo, 42 D. & O. 3d 398 (Lawr" 1987); Rlcelll v: Forolnllo, 407 Pa. Superior 01. 6~9, 595 A, 2d 10, "I' 1322, IIPp.. den., 529 Pa. 651, 602 A, 2d 861 (1991); Berhallor v. Berhalter, 315, Pa. 225,173 A. 172 (1934); Uzarskl v. Union National Bank. Oarnegle, 152 Pa. Superior Ct. 433 (1943); Masoal v. Masoal, 460 Pa. 453, 333 A. 2d 861 (1975); First Federal Savlnoa & Loan Asn. v, Porter, 408 Pa, 236, 183 A. 2d 318 (1982), Personalty as well as realty can be held as !snants by the entireties. Mower v. Mower, 387, Pa. 325, 80 A, 2d 8li6 (1951); Nlolwhard v. Newhard, 303 Pa. 299, 154 A. 500 (1931); Robb v. Beaver, 8 Watts & Sergo (Pa.) 107 (1844); ~lIe v. ZlmlnOL 98 F. Supp. 298 (___, 1951); Madden v. Goazlonyl, SavlnOR & Trust 00., 331 Pa. 476, 200 A, 624 (1938); Sloan'a Estate, 254 Pa, 346, 98 A, 966 (1916); Kaufman . v. Stengar. 151 Pa. Superior Ct. 313, 30 A. 2d 239 (1943); Fllzpatrlok v. fltzpatrlok, 181 Pa, Superior Ct. 581, 124 A, 2d 709 (1956); Simon v. Simon, 286 Pa. Superior Ct, 403, 429 A, 2d 1 (1961); J.1IL., sect. 281, at p, 131, seot. 291 at p. 134. I,.' Re: Later American Tendencies Agalnal Survivorship and Legislation on the SubJill1: As related above, under the rules and prlnolples of the common law, particularly In England, lolnt tenanoles were favored and the dootrlne of survivorship was a recognized and major Incident of a Joint eslate. However, after the War of Independenoe . and after years of Independent development, American dootrlne became opposed to the presumed and favored creation of Joint tenanoles with rights of survivorship. Rather, the presumption developed that all tenants were holding Jointly a8 tenants In common unless a clear Intention to the contrary was shown, This view soon found expression In legislative enactments throughout most of the . United Ststes, Including Pennsylvania, The legislation provldss that property held . Jointly will descend by the rules of Intestaoy or pass be a devise In a will as would the estates of tenants In common. This aOl, however, does not abolish the Inoldent of survivorship nor forbid Its oreation when the Intention to s,o oreate It Is made olear. See, In this regard, Aot 01 March 31,1612 (5 Sm. L. 395,20 P. S. ssot. 121); see. also 68 P.S. seot. 110; Redemptlonlst Falhers v. Lawler, 205 Pa. 24, 54 A. 487 (1903); MoOellum's ESlate, 211 Pa, 205, 60 A. 903 (1905); Amerloan 011 00. v. Falooner, 136 Pa. Superior Ct. 598,8 A, 2d 418 (1939); Bambaugh v. Bambauoh,11 Sergo & R. (Pa.) 191 (1824); Galbraith v. Galbraith, 3 Sergo & R. (Pa.) 392 (1817); Marlin v. Smith, 5 Blnn. (Pa.) 10 (1812); Penna. B~nk & Trual Co. v. Thompson, 432 11 I, " .' . , Pa, 262, 247 A. 2d 771 (1968); Teaoher v. Kllurlna, 365 Pa. 480, 76 A, 2d 197 (1950); Yard's Appeal. 86 Pa, 125 (1878), In regard to the general Amerioan tendenoles and general statutory developments and their effects on Joint tenanoles and entireties, see L. Simes, "Importont olflererlces Belween American and English Property Law," 27 Temple L. a. 45, 53 (1953); Kent Com. Lect. LXIV,; Rooers v. Grider, 31 Ky. (1 Dana) 242 (1833); Wrloht v. Sadler, 20 N,YH, 320 (1859). The tenanoy by the entirety, as was the Joint tenancy, was carried across the Atlantlo as pari 01 the English common law and Is a legal conception 01 long standing In the Commonwealth. The common law regarded a husband and wile as one person unified In the eyes of God, Part and parcel of the common law concept 01 the unity of husband and wife was the "doctrine 01 coverture," "Coverture" relerred to the condition or atate of ,a married woman, During coverture the civil existence 01 the wile was, lor many purposes, merged In that 01 her husband, This resultod In several legal disabilities, Inoludlng the wife's Inability to own properly Irel! from her husband's claim or control, 'These disabilities were slowly removed by a series of statutes known as the Married Women's Property Aots, However, none 01 these acls has eliminated the tenancy by the entirety Itself nor those aspects of lis relationship nor the rules on Its severance whloh will be discussed below, See, for a definition of "Coverlure", BDUV. L. O. at 724; Black's Law olollonary (6th ed, 1990) at 366, For explanations of the concept of unity and the effect on the tenancy, see, Northampton Brewery Corp. v. Lande, 138 Pa, Superior Ct, 235, 10 A, 2d 683 (1940): Madden v. Goaztonyl Ssvlnos & Trust Co., 331 Pa, 476, 200 A, 624 , (1938): Unlled States v. 246 Acres 01 Land. More or Less, 78 F. Supp, 377 ( 1948); Frederlok v. Southwlok, 165 Pa. Superior Ct. 78, 67 A, 2d, 802 (1949): Lunnen V. Hunter, 348 Pa. 402, 35 A, 2d 292 (1944): C.I.T. Corp. v. Flint, 333 Pa, 350,5 A, 2d. 126 (1939). For discussions ollhe severlll Married Women's Property Aots and thalr effeots, see, Parry's Eslate, 180 Pa, 33, 41 A, 448 (1898); Youno'a t'stllli, 166 Pa, 645, 31 A. 373 (1895); Q,exlBr v. Bllllnt;ls. 110 Pa. 135, 1 A. 180 (1886); Hoover v. Paller, 42 Pa. Superior CI. 21 (1910); Mever's Estale, 232 Pa, 89,81 A, 145 (1911); Wakefield v. Wakefield, 149 Pa, Superior Ct, 9,25 A. 2d 841 (1942); Kaulman v. Slenoer, 151 Pa, Superior CI, 313,30 A, 2d 239 (1943): O'MallllV v. O'MaIlIlY, 272 Pa, 528, 116 A, 500 (1922): O. Phipps "Tenancy Ily 12 Enllrelles," 26 Temple L. Q. 24, 27 (1961); Clln9arman v. Ssdowskl, 335 Pa. Superior Ot. 614, 486 A. 2d 11, affirmed, 613 Pa,179, 619 A. 2d 378 (1984): Johnson v. Harl, 8 Walts & Serg, (Ps,) 319 (1843): Marlin v. Jackson, 26 Po. 604 (11166); Merritt v. Whitlock, 6 Lack, L. N. 76 (1900); Merrill v. Whlllock, 200 Pa. o , , 50, 49 A. 76& (1901); Rocers v. Grider, 31 Ky, (1 Dana) 242 (1833): Sack v. A';dre~. 2 Verno 120, 23 Eng, Aep, 687 (Ch. 1690); Nichols v. Nichols, 2 Plowd. Com. 477 (C.P. 1674); Purefoy v. Roger~, 2 Lev. 39, 83 Eng. Aep, 443 (KB. 1672); Wimbish. v. Talbols, 1 Plowd, Com, 38 (C,P. 1650); Co. L1tt. seat. 291, at 187a.187bj A. Brooke. La Graunde Abridgement, 101. 198a.198b, IIl1e "Cui In Vila," (London, 1586): Year Book, Les Reports des Csses en Temp du Roy HenlY Ie VI. 39 Hen VI, at p. I 46, case marked In margin as "Bra, 8, HII. 1460" (London ed. of 1679); Greenleaf'fl Cruise on Real Property, sscl. 45 (Boston: 1849); ill seot, 865, at p. 296; 2.aJa. Qwn... 182; awa. bk. 6 tr. 60, 25,0,26; Co. Lilt. 167b n, A tenanoy by the enllrety Is sllll meated by a slmullaneous oonveyance of property to a husband and wife jolnlly. II eKlsls whenever property Is held Jolnlly by husband and wife by virtue of a IIl1e which they acquired after marriage. Halllo v. l:Iil1IQ, 21 Lane. L. A. 62 (1903); O'Bayle V. Home Lifo Insur. Co, 01 Amerlc~, 20 F. Supp. 33 ( , 1937); Vanderprlfl's Estate, 105 Pa. Superior Ct. 293, 161 A. ' 1.198 (1932); Pennsylvania Trust Co. v. Mlschlk, 96 Pa. Superior Ct. 255 (1929): Loesch's Estate, 322 Pa. 105, 185 A,191 (1936); Fleek v. ZlIIhaver. 117 Pa, 213, 12 A. 420 (1887); MoCurdy v. Canning, 64 Pa, 39 (1670); Unlled Stales v. 246 Acres of Land. More or Less, 78 F, Supp, 377 ( , 1946); Rhodes Eetates, 232 Pa. 489, 81 A. 643 (1911), The Aot abolishing survivorship among Joint tenants, addressed above at "Ae: Later Amerloan Tendenoles Against Survivorship and Leglslallon on the SubJeot," at p. 11, does nol apply to an eetate by the enllrely held by a hus,band and wife. See Aot or ,March 31, 1612 (6 Sm. L. 395, 20 P.S, seot, 121); see also 68 P,S. seol. 100; 1Iue:.. Bramber(y's ESlate" 166 Pa, 628, 27 A, 405 (1893); Olver v. Dlve(, 56 Pa, 106 (1867). The unlly of possession In a tenancy by the enllrety differs from thai In a Joint tenanoy with right of survivorship. As was slaled above, in segment III. A. 3. d" al p, 5, . In a Joint tenancy, eaoh of the joint tenants hold their possession and occupanoy R8! 13 " myel per IOUI, meaning that eaoh lenant holds by the one.hall (1/2) and by all or tho whole or total. In a lenanoy be the entirely, however, Ihe holding Is per loul et non per mx. This Is a latin phrase whloh means "By the whole, and not by the moiety." That Is, eaoh spouse Is possessed of the whole 01 the property and not of any share, divisible part, or Interest thereof. In other words, when an estate Is conveyed or given to a man and wife, they oannot take by the moieties or one. halves, but bolh are each possessed of the entire or whole estate. Honce, the terminology: "Tenancy by Ihe Entirely." This holding by the whole or entirely carries wllh II several very Important legal prlnolples, Maxwell v. Saylor. 369 Pa, 94, 66 A, 2d 365 (1946); Porobenskl v. Amerloan AIII.I1ngg Insur. Co. of New York, 317 Pa, 410, 176 A, 205 (1936); Stuckey v. Keefe's Exeoutor, 26 Pa. 397 (1666); Zlpperleln's Estate, 367 Pa, 622, 60 A, 2d 617 (1951); Gellagher's Estate, 362 Pa, 476, 43 A. 2d 132 (1946); Wernsr v. Quallly Service 011 Co.. Ino., 337 Pa, Superior Ct. 264, 486 A, 2d 1009 (1964); Daley v. Hornbaker. 325 Pa, Superior Ct. 172, 472 A. 2d 703 (1964); Gillan's Executors v. Dixon, 65 Pa. 395 (1670); Wimbish v. Telbols, 1 Plowd, Com, 36 (C.P, 1550); 2 Bla. Com. 162, 165. As a resull 01 the Iype of unlly of possession In a tenancy by the entirety, the meohanlcs of survivorship dlller from those at work In a Joint tenancy between or among persons who are not husband and wife. When a husband and wife hold property as tenante by the entireties, upon the death of one of the spouses, the property becomes the sole property of the survivor. but nol beoause the surviving spouse has benefitted from the Jits. aocresoendl or the aocretlon of the deoedent's moiety to, that of the survivor's molllty. The surviving spouse's right to the whole eslate Is not newly acquired upon the death of the olher spouse. Rather, In reallly, Ills merely a continuation of the entirety estate, which he held In lis entirety and as an entirety prior to the death of his spouse. Stated another way, the survivor thus continues to enjoy the same estate as before, having already been possessed of the whole property, Teels v. Anderson, 356 Pa. 523, 56 A. 2d. 31 (1948); GallaQher's Estate, 352 Pa, 476, 43 A. 2d 132 (1945); .I:liJ.W v. Fabel, 290 Pa. 43, 138 A, 217 (1927); Rhodes Estate, 277 Pa. 450, 121 A. 327 (1923); Wvlle v. Zimmer, 96 F. Supp, 296 ( .., 1951); Porobenskl v. Amerloan Alliance Insuranoe Co, of New York, 317 Pa, 410, 176 A. 205 (1935); Gasner v. Pleroe, 266 Pa. 629, 134 A. 494 (1926); Frederick v. Soulhwlok. 165 Pa. Superior Ct. 78, 67 A, 2d 802(1949); Miami National Bank v. Willens, 410 Pa, 505, 14 190 A. 2d 438 (1983); Daley v. Hornbaker, 326 Pa, Superior Ot. 172,472 A. 2d 703 (1984); WlIstern Penna. Nallonal Bank v. ~radlsh, 194 Pa, Superior Ot, 126, 166 A. 2d 104 (1961): Kossman v. Commonwealth. Depl. of Publlo Welfare, 69 Pa. Commw. Ot. 17, 460 A, 2d 239 (1982): floss v. Garrison, 31 Ky. (1 Dana) 36 (1833): Tau I v. Camobell, 16 Tenn. (7 Yerg,) 319 (1835); Thornton v. ThQUl1W1, 3 Rand. (Va,) 179 (1826) . RE: SEVERANCE OR DISSOLlITlON OF THE ENTIRETY. A very Important principle of the law assoclaled with a tenancy by the entirety separales It from the Joint tenancy, As related above, a Joint tenancy can be separated as a result of a oonveyance by one of the tenants. Such Is not the case with a tenancy by the entirety, however. Neither a conveyance of an entireties Interest by one ~pouse, nor the Involuntary transfer of the Interest of one spouse will work a dissolution or severance of the entirely eslate, In other words, neither spouse can terminate the estate without the consent of the other. Sleleckl v. Sleleckl, 107 Pa, Superior Ct. 291, 163 A. 376 (1932); .Thees v. Prudenllel....Q.Q., 326 Pa, 465 (1937); Felrchlld v. Chastellux..l Pa. 176 (1846); MoCurdy v. Canning. 64 Pa, 39 (1870); French v. Mehan, 66 Pa, 286 (1867): Stuckey V. Keefe's Executor, 26 Pa. 397 (1856); Maoee v. Marlon Bldo. & Loan Asn.. 103 Pa. Superior Ct, 331 (1932); Milano v. Fayelle Title & Trust 00., 98 Pa. Superior Ot, 310, (1929): Borrello v. Laulella. 455 Pa, 350, 317 A, 2d 264 (1974); fQII(.'t v. May, 383 Pa. 80, 118 A, 2d, 154 (1955): McOollum v. Braddock Trust Co., 330 Pa, 293, 198 A, 803 (1938); Schroeder v. Gull Reflnlnll 00.,300 Pa. 397, 150 A, 663 (1930): Fasclone v. Fasclone, 272 Pa. Superior Ot. 630, 418 A. 2d 1023 (1979); CraM v. CrallO, 373 Pa, 1,95 A, 2d 199 (1953); Schweitzer v. Evans, 360 Pa. 552, 63 A, 2d 39 (1949): Fish v. Kaye, 134 Pa. Superior Ot, 49, 4 A. 2d 190 (1939); Kennedy v. Erkmen, 389 Pa, 651, 133 A. 2d 550(1967); Wallaesa v. Wallaesa, 174 Pa, Superior Ct. 192, 100 A, 2d 149 (19~3): In re: Brose's Eslate, 416 PII. 386, 206 A, 2d 301 (1965); In re: Holmes' Estate. 414 Pa, 403, 200 A. 2d 746 (1964); Dalay v. Hornbak'll, 326 Pa, Superior 01, 172, 472 A, 2d 703 (1984); In Re: Gallaohar'a Estata, 362 Pa. 476, 43 A. 2d, 132 (1945): Doe v. Parralt, 6 Term Rep. 652, 101 Eng. Rep, 363 (KB. 1794); Belhl v. Marlin, 236 Pa, 519, 84 A. 953, 42 L. R. A, (NS) 655 (1912); O'Malley V. O'Mallay. 272 Pa. 528, 116 A, 600 (1922); Gasnar v. Pleroe, 286 Pa. 529, 134 A, 494 (1926): Sohroedar v. Gulf Co., 15 . 'U.'~I''''f''fM--'.'''OHIo.f'''',-' "","''''""",.\o.W.~''_, I " 300 Pa, 397, 150 A, 663 (1930);2 Bla, Com. 185, A tenancy by the entirety may be terminated either by the Joint action of the spouses or by their mutual agreement to do so, It may also be ended by voluntary , partition by the spouses during Ihelr marriage and thllY may continue to hold the severed portions during the remainder 01 the marriage relationship a~ tenants In common, The spouses agreeing to a termination of the entlrllly can also agree to sell the severed property they then hold, These agreements may be wrltlen, oral, or even Implied from the surrounding circumstances and Ihe aotlons of the spouses, Onoe a severance or partition of the entirety has occurred, It will not be re-unlfled by the subsequent death of one of the spouses even though they remain married until the time of death, l.o..all. Smulyan, 98 F, Supp. 618 (___, 1951); In re: Prichard, 359 Pa, 316, 59 A. 2d 101 (1948); Kauffman v. SlenQer. 151 Pa, Superior Ct, 313, 30 A, 2d 239 (1943); Bimco v. Ostroski, 361 Pa, 593, 65 A, 2d 399 (1949); Gallaoher's Estate, 352 Pa, I 476,43 A, 2d 132 (1945); Narberlh BldQ. & Loan Asn. v. Bryn Mawr Trust QQ., 126 Pa, Superior Ct, 74, 190 A, 149 (1937); QUo.g,erman v.Sadowskl, 335 Pa, Superior Ct, 514, 485 A, 2d 11, affirmed, 513 Pa, 179,519 A, 2d 378 (1984); Community Federal Savlnos & Loan Asn. v, Luckenbach, 436 Pa, 472, 261 A, 2d 327 (1970); Berhalter v. Berhalter, 315 Pa, 225, 173 A. 172 (1934); Wiase v. Anderson, 241 Pa, 198,88 A, 365 (1913), See, also, regarding death before complete and final Judgment .In a partition: Lord Barklay v. Countess 01 Warwick. Cro, Ellz, 635, 78 Eng. Rep, 875 (K.B. 1598), Brownlow's note; "Plea 19, Parlltlon, Brief," Dallson 59, 60, 123 Eng, Rep, 272 (C,P, 1563); Greenleef's Cruise on Real Properly, sects, 34, 35 (Boston: 1849); Re: the severance's destruction of survivorship, see 2 Bla, Com. 185; , Greenleaf's Cruise on Real PrQparty, sect 41 (Boston, 1849); Merritt v. Wh~, 200 Pa, 50, 49 A, 786 (1901), RE: THE DOCTRINES or EQUITY AND THEIR RELEVANCE AND APPUCATION TO THE INSTANT CASE, DEFINING EQUITY: Eqully Is, for our purposes, a separate system of rules and principles which are, In certain clroumstances, administered and enforced by Pennsylvania Courts, even though these rules and principles formed no part of the common law, A conoise and Introductory definition of equity Is supplied by Black's Law Dictionary (6th ed, 1990) 16 f7,7"llrl~/..:.~,_..t:"'_<tt~"~"/1Jt.~Ht~ "~~""'o;llf~I'k., _.,,' \i ''';_1.1 '0:;1,:,/ ',I' ,'J .," ., -4' .' at p. 640: " . ~. Justloe administered according to lalrness as contrasted with the strlOtly lormulated rules 01 common law. It Is based on a system 01 rules and prlnolples which originated In England as an alternative to the harsh rules 01 common law and whloh were based on what was lair In a partloular situation. One sought rellel under thl~ system In courts of equity rather than In courts of law, The term "equity" denotes the habit of lalrness, Justness, and right dealing whloh would rogulate the Interoourse of men wllh men. .... A system of Jurlsprudenoe collateral to, and In some respeols Independent of, "law"; the obJeot 01 which Is 10 render the administration of Justice more complste, by affording rellol whsre the courts 01 law are Incompetent to give It, or to give II with effect, or by eKerolslng certain branohes 01 jurisdictIon Independently 01 them, DEFINING EaUITABLE TITLE: An equitable title Is one recognized In Equity as opposed to one recognized In law. Its ,theory and operation are technloal and compleK, Nevertheless, because 01 Its Importance to the Instant oase, we will try 10 prOVide a conceptually understandable dellnltlon. The best one that we have found Is provldsd by Grover Cleveland Ladner In his C10nvayanclng In PannRylvanla (2d rev. ed., 1941), at pp. 19-23, whloh we here , quote In Its entirety: Secl. 10 Equllable Title. Eqully, To properly understand the difference belween a legal title and an equitable llt1e we must understand the meaning of the word equity, Equity Is a dlffloult word to define. Blackstone (Blacks, Introduotlon,~2, page 61) adopts the definition of Grotlus, who says that "Equity Is the correotlon of that wherein the law (by reason of Its unlverllalily) Is deflolent." But this definition like all others requires eKplanatlon. Blspham, In his admirable book on Equity Jurisprudence, eKplalns the meaning 01 equity by setting lorth lis history rather than by attempting to define It, and we cannol do better than to adopt his method. ,. . Hlstorloally the fountalnhealJ of English Jusilce was the sovereign, the King. At the time of the Norman Conquest and Immediately thereafter the law was administered by the King and a certain council whloh he convened from among the lords 01 the realm. From this counoll there developed the courts laler known as the Court of King's Bench, the Couri of ,.Common Pleas, eto. In all 01 these courts there was administered justIce ' according to the rules and preoedents ollhe common law. Under these rules and precedents the party Injured was only entitled to a Judgment of money damages to compensate him lor his Injuries. As time passed It 17 " " "" . ,.. ," '\. , " Ie , , I, , beeame evldenllhal money damages awarded aller an Injury was nol always a sufflolent compensation lor Iho Injury suffered. E.g., suppose a ," 'man had a beaulllul grove 01 shade Irees and his neighbor, out 01 pure . wantonness outs down a shade Iree, the neHt day culs down another and announces his Intentions 01 continuing to do so until all are gone. The. Injured man oan, 01 course, sue and recover damages. Bul money damages, while they may punish Ihe wrongdoer does not replace ths Irees. The court 01 law could not prevenl the trespasser Irom continuing his wanton trespasses. It could only give damages to the aggrieved party. Again, suppose A agreed to sell a certain valuable palnllng to B and later relused to oarry out his agreement, B could sue him, bul money damages would not give him that oertaln painting and II It were Ihe only one 01 Its kind . 'manllestly no amounl 01 damages could redress the Injured party, Again, X has a sIre am of water running Ihrough his plaoe whloh he uses to run his mill, Y who Is up slream diverts the water, leaving X's mill high and dry. The common law court could give X damages, but his stream was gone lorever. Thus, eHamples could be mulllplled where Ihe oommon law by reason 01 Its InfleHlblllty (unlversaIlIY) afforded no proper rellello Ihe Injured party, Now, as the King was Ihe Supreme Judge, or head 01 Justice It beoame nalurallor Ihe Injured subJeol to whom money damages afforded no rellel to pellllon his sovereign lor redress. The King had Ihe power 10 granl 9Hlraordlnary rsllef IIlhe oase warranled It, Usually Ihe King would reler the petition 10 his ohanoellor, Ihe offlolal who acted al thai time In the oapaclty of Seorelary to Ihe King. These petitions lor rellelbeoame so Irequenllhat later In Ihe reign 01 King Edward ;, an ordinance (Blspham's Prlnolples 01 Eqully (61h Ed. 10) was Issued lor the purpose 01 relieving Ihe King Irom the business of . attending petitions addressed dlreclly 10 him, whereby It was provided that "All petitions touohlng Ihe Seal do come first belore Ihe ohancellor" and further "If the demands be so great and so muoh 01 grace that the ohancellor and those olhers oannot do wllhoullhe King, Ihel1 they shall bring them belore the King to know his will." Soon the praotlce 01 presenting the petlllon to the ohancellor In the first Instance beoame firmly established. As applications Inoreased II became necessary lor vice ohancellors to be provided and so arose a separale court 01 justloe known as the Court of Ohanoery or Court 01 Eqully, In whloh court, a sullor who had no adequate remedy In Ihe common Isw court could gel rellel, This, therelore, Is what Is meant by Grotlus In the dellnlllon above given that eqully Is the correotlon of Ihat wherein Ihe law Is deflclenl, The Eqully Oourt has power by Injunction to reslraln a trespass such as sellorth In the eHample on page 20, and 10 compel A to pass over the speolllc painting whloh he agreed to sell B, and compel Y 10 relurn the stream 10 lis original bed. But 10 the present day consistent to the oause whloh gives II lis origin, the eqully oourt will take jurlsdlotlon 01 a malter only when the . sullor has no adequale remedy at law. As Amerloa was colonlzed.by Ihe English people who brought wllh I 18 I' ! , " " them their native oustoms and laws, Amerloa Inherited both the common . .. law and equity 01 the Mother Country and retained them after the revolution. Pennsylvania, to be sure, administered her equity under common law forms during the early pari ollhe 19th oentury, but later , the legislature conferred upon Ihe courts of law, equity powers of the English Court 01 Chancery. And now, while the same judge may sit either os a law judge or equity Judge, when he sits as equity judge or chancellor, the praotlce of the court of equity Is strictly adhered to. In some Statos, New Jersey, and Dolaware e,g" separate courts of law and equity are stili maintained, although most of the States as woll as England have abolished separate equity courts and like Pennsylvania have conferred equity powera upon the judges of law courts who at c&rtaln times sit as ohanoellore and administer equity according to the equity praotlce, forms and rules. Returning now to tho question oflhe dlllerence between a legal title and equitable title, we find that according to the common law the person who had the title to land was the only one recognized. The common law courls would not recognize the right to the title as being In any other person. Equity, on the other hand, being unfeltered by the precedents of the common law, recognized rights which the common law would not entertain, E.g. suppose A agreed to sell his land to B, an~ then subsequently refused to do so, The legal title of course remained In A, bul the right to the title was really In B, B In all fairness should have the land upon payment of the purchase price because A agreed to give It to him. Yet B's right to title was not recognized In Ihe common law court. B might 'recover damages for A's breaoh 01 contraot, but he could not recover the land. Equity, however, stepped In to correclthls deficiency of law. It recognized the fact that B, although he had no tlUe to the land In the legal sense of the term, nevertheless had a right to have that title transferred to him. So the chancellor compels A to give title to B and accept the money. An equitable title, therefore, Is such a title as Is recognized by a court of equity while a legal title Is such as Is recognized by a court of law. Another example of equitable title Is a trust. A trust Is created by giving title of property to one person to hold for the use of another. In a trust, therefore, the legal title Is In one person and the beneficial use of owneruhlp of the property Is vested In another, The person who has the legal title Is called the trustee, The person for whose benefit the trust exists Is called the Ceslul que trust, The Cestui que trust hss no standing In a court of law, but In a court 01 eqully his right prevails. His title Is, therefore, an equitable title, Equity recognizes contracts belweenhusband and wife despite the common law thaory of unity as one person upon marriage, Equity, In this respect, has largely relied upon civil law concepts where husband and wife are considered to be two separate and . dlstl,nct persons, It Is not necessary to have a separate trustee to hold a severed entirety 1 9 :t " - , '" "~I~, j...,.\ I,M..I~-,-~,': ".".,.. , . Interest for either spouse, be08use when no separate trustee Is named, they are deemed to each hold lor the other as trustee until a formal division of the property or a delivery 01 the proceeds Is made to eaoh. As to these points, see Joseph Story, Commenlarles on Equity Jurlllprudence (13th ed, Melville M, Bigelow, 1886) Ch. XXXVII, 'Married Women,' at vol. 2, pp. 698 IU aJlQ., see especially, Sects. 1366-1372, 1379-1380, 1390-1391, RE: NATURE OF CONTRACTS GENERALLY BOUV. L. D. 'Contract,' at 658.665 provides some basic concepts: CONTRACT. (Lat. contractus, Irom con, with, and /raho, to draw ....Fr. contrat). an agreement or covenant between two or more persons, In which each party binds himself to do or lorbear some aot and each acquires a right to what the other promises. Enoyo, Amar.; Webster, A contr&ot or agreement Is where a promise Is mado on one side and assented to on the other; or where two or more persons enter Into an engagement with eaoh other by a promise on ellher side. 2 Steph, Com. 108, 109, A[I agreement upon sufficient consideration to do or not to do a particular thing. 2 Bla, Com. 446; 2 Kenl 449. A covenant or agreemenl between two parties with a lawful consideration or oause. West, Symbol, lib. 1, ~ 10; Cowell; Blount. tUt 'rh~ use of the word agreement (aggrega/lo ment/um) [The meeting 01 . minds) seems to have the authority of the best writers In ancient and modern times (see above) as a pari of the definition 01 conlraol. Ills probably a translation oltha civil law convent/o (con and venla), a coming together, to whloh (being derived Irom ad and grox) It seems nearly equivalent. From tha above provided definition, Ihe baslos of a conlract, Inoludlng Ihe 'meeting of the minds,' should be fairly clear end understandable, However, the doctrine of 'consideration" as It relates to contraots and their enforcement Is not always olear, hence we will provide an additional word upon It from BOUV. L. D. at 612.El19: CONSIDERATION. An act or forbearance, or the promise thereof, whloh Is ollered by one parly 10 an agreement, and accepted by the other as an Inducement to that other's act or promise. Poll, Contr. 91. "'I Patteson, J., ... says: 'It Is not to be confounded with motive, which Is not the same . thing as consideration, The latter means something whloh Is of value In the eye 01 the law, moving from the plaintiff, either of benefit to the 20 . .. plaintiff or 01 detriment to the delendant:" Langd. Sel. Cas. Contr. 168: S.O. 2 Q.B. 851. In distinguishing between consideration llnd motive a helpful criterion Is to be .found In the expression "nothing Is . consideration that Is not regarded as such by both parties:" Philpot v. Grunlnger, 14 Wall. (U.S,) 570, 577, 20 L. Ed. 743: Ellis v. Clark, 110 Mass. 389,14.Am, Rep. 609; Sterne v. Bank, 79 Ind. ti49, 551. Tho price, motive cr mailer of Inducement to a contract, . whether It be the compensation which Is paid, or the Inconvenience which Is suffered by the party Irom whom It proceeds. A compensation or equivalent. A oause or oooaslon meritorious, requiring mutual recompense In deed or In law. Viner, Abr. ConsIderation (A,) , Consideration, In a contraot, Is the Quid pro quo that the party to whom the promise Is made does or agrees to do In exohange for the conlraol. Phoenix Mul. Lifo Ins. Co. v. Raddln, 120 U,S. 197, 7 Sup. Ct. ,600,30 L, Ed. 644. See also Pollook, Conlracls (1902 ed.) t'lI "A valuable consideration may consist either In some right, Interest, profit or benellt accruing to one party, or some forbearance, detriment, , loss, or responsibility given, sullered, or undertaken by the other." L. R. 10 Ex. 162. See Train v. Gold, 5 Pick. (Mass,) 380. Ittl Valut,ble considerations are divided by the civilians Inlo lour olasses, which are given, with literal translations: Do ul des (I give thai you may give), FacIo ul facIas (I do that you may do), FacIo ul des (I do that you may give), Do ul facIas (I give that you may do). . .... Mutual promises made at the same time arll conourrent considerations, and will support eaoh other II bolh be legal Bnd binding: Cro. Ellz. 643: 6 B & C. 255; 3 B. & Ad. 703; 3 E. L, & Eq, 420; Dorsey v. Paokwood, 12 How. (U.S.) 126, 13 L. Ed. 921 ; Babcook v, Wilson, 17 Me. 372; 35 Am. . Dec. 263; Forney v. Shipp., 49 N.C. 527; Nott v. Johnson, 7 Ohio St. 270; Cherry v. Smith, 3 Humphr, (Tenn,) 19, 39 Am. Deo. 150; Miller v. Drake, 1 Cal, (N.Y.) 45; Howe v. O'Mally, 6 N.C. 287, 3 Am. Deo. 693; MoKlnley v. Watkins, 13 III. 140; Byrd v. Fox, 8 Mo. 674; Flanders v. Wood, 83 Tex. 277, 18 S. W. 672; Earle v. Angell, 157 Mass. 294: 32 N.E. 164: Bracco v. Tighe, 75 Hun. 140, 27 N.Y, Supp. ~4. '''' As to time, oonslderatlons may be of the past, present, or future. Those whloh are present or future will support a oonlraol not void for other reasons; Story, Contr. 71. When the consideration Is to do a thing hereafter, and the promise has been accepted, and Q promise III return foundod upon It, the laller promise resls upon sulllolent loundatlon, and Is obligatory: Stewart v. Redditt, 3 Md, 67; Hilton v. Southwick, 17 Me. 303, 36 Am. Deo, 263; Andrews v, Pontue, 24 Wend. (N.Y.) 285; Gardiner v. Webber, 17 Plok. (Mass.) 407. 1\ shOUld be apparenlthat the Blanleno's mutual promises themselves provided 21 sulllelent consideration to mutually enforce the agreement to sever tho entirety Into a tenanoy In common, However, should any further conalderatlon be desired, one need merely take cognizance of the fact that, In lurtherance of the agreement, Raymond Blanteno undertook the travel and expense necessary to meet with his altorney to redrall his will In accordance with his agreement with his wife to sever the entirety, This trip and expense worked a detriment 10 him and furnished additional conslderatlon..1l any were needed, See In Ihls regard, Alsopp v. Pallan, 1 Vern, 472, 23 Eng. Rep. 598 (Ch, 1687); Frewen v. Relle, 2 Bro. 0..0,220,29 Eng, Rep, 123 (Ch, 1787). When one considers tho above recited rules and principles of law regarding tenancies, their eeverance, and contracts and consideration, several things become readily apparent, to wit: 1 .). Mr. and Mrs, Blanteno had a moellng 01 the rnlnds and formBd an oral agreement or contract to sever their tenancy by the entirety Into two separate and dlstlnot portions. 2,) Upon the meeting of the minds, the sevorance took place In equity allhough not on the face of the deed and the severance resulted In each 01 the Blantenos holding a one-hall (1/2) Interest as a tenant In common wllh equilable title. 3. ) There was sufficient legal conslderallon to support an enforcement of the agreement by either party, or his/her heirs and/or assigns, 4. ) At the time of Mr, Blanteno's death, he held an equllable title as tenant In common In an undivided one. half (1/2) Interest In all property or the proceeds of lis sale, Thus, the only quesllon lell, In view of the above established facts and legal and equitable Interests and rights, Is, whether anything occurlng aller the severance Into separate equitable titles and Interests has worked a re-unlllcatlon or merger of those separate Interests Into an entirety In lavor of Annablle BI,anteno, RE: DOCTRINE OF EaUITABLE CONVERSION AS IT RELATES TO AGREEMENTS r:lF SALE FOR REALTY AND/OR PERSONALTY, A contraot between vendors and purchasers gives the purchasers real rights In the propertieD to be transferred even before the lInal delivery and settlement, Eqully treats the property as having been convertDd Into the proceeds at the time the contraot Is signed, before IInal seltlement, These principles, among others, comprise the doctrine 22 . , 01 equitable oonverslon. Under this dootrlno, the purohasere are regarded ae the owners 01 the property lor many purposes and the vendors are regarded as the beneflolal owners of the prooeeds to be later delivered to thom, The vendors also are deemed to hold tha premises as trustees for eventual delivery to the purohasers. . When a vendor dies aller having signed an enforceable contracl his beneflolallnlerest descends to his personal representatives or heirs who must, II need be, carry. out the terms of the contraot and, likewise, are entllled to the deceased vendor's share of the proceeds. The mere aot of the Blanlenos enlerlng Into a contraot to sell their property would no I, of Itsell, work a severance of their entlrelles. However, In this oase the severance occurred when they reached an agreement between themselves, not when they later signed a contract of sale. Although Ihelr contract provides for the grant, conveyanoe and delivery of properly and Its IBaal IIl1e, thus allowing the survivor alone, to sign the de8(l and convey a good legal tllle to the purohasers beoause the legal title was , on lis face stili an en lire ties IIl1e, as we have seen, the equitable and beneflolal da.b.1a were already severed and separated Into separale and dlstlnot equitable titles as tenants In oommon. The legallllle Is separate at thai point and lis eventual grant and conveyance to the purchasers cannot work either a dispossession or merger of the separated equitable titles nor of the separate beneficial rights In Ihe separate shares of the eventual proceeds. Ralher, the dootrlne of equitable conversion merely works to solldlly the recognition 01 these separate equitable rlghls and to see that the separate Inleresls are properly vested al settlement. See, In regard to these prlnolples: J, Orlbbet, Principles ollhe Law 01 Prllperty (3d ed., 1989), Oh. 3, seal. 2, pp, 185.186; R. Boyer, The Law 01 Real Pmperty. An . Inlroduclor.y Survey (4th ed" 199) sect. 14.4, at p. 509: R. Ounnlngham, The Law 01 'Properly (2d ed" 1993) seol, 10,13, at pp, 735-747; ~ Ps. Jurlspr. 2d, "ProperlY, Real Property Sales," Oh, 8, al pp. 294-296; Paine v. Meller, 6 Ves. Jr. 349,31 Eng. Rep, 1008 (1801); Slale Mutusl FIre Insurance Co. v. Updeara!f,21 Pa. 513 (1853); Heed v. Lukens 44 Pa. 200 (1863); Imparlal Fire Insuranoe Co. v. Dunham, 117Pa. 460,12 A. 668 (1888); Ellloll v. Ashland Mulual Fire Insur. Co.. 117 Pa. 648, 12 A. 676 (1888): Allardloa v. McCain, 376 Pa, 628, 101 A.2d386 (1963); Valle) v. Northam Assuranoe Co., 219 F, 2d. 409 (3rd Olr., Pa., 1955): . Fullon Township Tax Assessmenl Case. 69 Lano. L, Rev. 67 (1963); In Re: . 23 'f ./ , ..' I' I' " VERIFICAT1~ etO, mell1llnlnJllm 'I,' ROSEMARIE M. EVANS, verily that the faots setlorth In this i~I~'IILI..1 are tl'\le and correot to the bost 01 my knowledge, Inlormatlon, and bellel. This statement Is made sUbJeot to the penallle& 01 Seollon 4904 01 ,the Crimes Code (18 PA. S.O.A. 0 4904) related to unsworn .Ialsllloallon to authorities. .~ ._--~-,..------- ' Rle M. EVANS ' " " I, ;, , " , I' I, .. " I' , " " Ii,' I' ..... -'I"'" " , " :,1,1.1' " " 'I I' " I .' 0 . , o' , " .. I .. , '\' ". 1,1' !),I, " , I', ..' ", '. I ; i I~ " I' .," I "ltJ j'.' ,,' ,I " , .. I' .' I" I",. " , j.: I' ": ,. " ',I- ," ,. ," ,. :1,,1, '.11 I",' " '" 1', 'i' , 1,'1 01' I' " " ;,1' I" I. , 1'- , , " , , .. , ,I ',. " ,. ,I' " i " 0 " Il' " ". .. : II' I , ,'" " "1'1 ',', (.' ,:: 'I' " , , " I;' ,; 'I " I " .. " I,' I" 1,:" ":,'1,',;'., :,., ' "j ,\ J' ", I, .. " " ,\11 , I' I' I, /; , , , I!',','I , " . I , ,',1 i 01 ~ " .,. "1' I' I I', ,I'j 111;\ , ':1 , , ,P' I., d. " , .. , ", " I, " .' I, 'I'" " .,' I, 1\'." .. 'I " I" I' It I " '1 "I ",. I' " ,1' , 'I'" '" , I, ,. ", 11.," ". " " 01 25 "" " 'I ,i'- " ,.. ,. .' ", .' I' (, il'l ~i ,. y~, " 1:\ ' "'" .. . ~ I, .. I VERIFICATION clIl M~Cl;'M\d'4'" I,EDWARD EVANS, verify that the faots Bet forth In this .......'"I,jl'aretrue and oorreotto the best of my knowledge, Informallon, and belief. This statement Is made sUbJeotto the penallles of Seotlon 4904 of the Crimes Code (18 PA, S.C.A. g 4904) relaled 10 unsworn falsltloatlon 10 authorities, _a~~ EDWARD EVANS I, " I", , , .. I' " i " .! " " ," " "~, " " 'I ..' I .' \, , " , " , , Ii ,,' , " " , " , " ,." I " ,(,,I '. " ., " !. , ., '" .) , I' I ,!.H " ,I , , , , ') , "Il. i' " ,I, I, " ." ,I' " " " , , "1', , , I, 'I' " " ,', " " " L " 26 i " , " ( - qL\(\ ) 1'1 ,~ II L . '\ {:./' EV.1547 EX AFP (12)941* I J (OHNON.Ul'" OF PENNSYlV'N:! ACN 101 It'" OEPARINEHI OF AEVENUE NOTICE OF INHE~II ANCE TAX BUAE'U OF INDIVlnUAl 'AMES APPRAISEHENT, AllOWANCE OR OISALLOWANCE ~~:~is:~:~~IPA 17128-0601 ___ ...___~~_~~~T10H~ .:~.ASSE~~~~.~~~_~~_ ._~A_TE.... 03-13-95 ESTATE OF BrAFlTENO ." ~AVfl' ...__..._--.--. .-.-- '-'FILENO. - '"'2'1' ~51 DAT! OF DEATH 04-04-94 COUNTY CUMBERLAND NOTE, TO INSURE P~OPER CREDIT TO YOUR ACCOUNT, SUBHIT THE UPPER PO~TION OF THIS FORH WITH YOUR TAX PAYHENT TO THE REDlSTER OF WILLS, HAXE CHECX PAYAaLE TO "RlOISTER OF WILLS, ADENT" REMIT PAYMENT TOI CHA~LES E SHIELDS III 2 W MAIN ST MECHANICSBURG PA 11055 REGISTER OF WILLS CUMBERLAND CD COURT HOUSE CARLISLE, PA 11013 ~_ _' AMunt Roml Hod J I.. ) ~.!l.~. ~~P.~~. !.~! ~..~! ~ ~... _. _ _ ~.... ~.~! ~ ~.t! _ ~P.~ ~~. !..~~J_I. ~~_ !..~~. .'(~Y!l.. _ ~ ~~.~~~t' . ~. ~ .1'51.. on ~1.~... on... REV-1547 EX AFP (12-941 NOTICE OF INHERITANCE TAX APPRAISEMENT, A~ OWANCE OR ,":~; DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX ... " ESTATE OF BLANTENO RAVMOND FILE NO. 21 94-0951 ACN 101 :J DATE 03-13-95 If .n ......ment w.. i..u.d previou.ly, line. 14, lS .nd/or 1&, 17 and 18 will refl.ct figure. that include the total of Abk r.turn. a......d to d.t.. ASSESSMENT OF TAXI 15, Amount of L1no 14 .t Spou..l r.t. US I 16, Amount of Llno 14 t.Nlbl. .t Lln..l/ClOII A r.t. 1161 17. Amount of Llno 14 t...bl. .1 Coll.lorol/Cl.oo B r.l. 1171 11. Prloolp.l T.. Ou. TAX CREDITS I PAYHENT DATE C"H' TAX RETURN WAS I I X I ACCEPTED AS FILED RESERVATION CONCERNING FUTURE INTEREST . SEE REVERSE APPRAISED VALUE OF RETURN BASED ONI ORIGINAL 1. Ro.l Eolalo ISchodul. A 1 III 2. Steck I .nd Bcndl ISchodul. BI 121 5, Clo..ly Hold Slcck/P.rln.rlhlp Int.r..1 (Sch.dulo CI 151 4, Hortg.g../Not.1 R.o.I..blo (Schodul. 01 141 S, C.lh/Bonk DOPCllto/HllC, Porlonol Prcp.rly (Schodul. EI ISI 6. Jointly O.nod Prop.rly (Schodul. FI (61 7. Tronlforl (Schodul. 01 17) 8, Tolal Auota APPROVED DEDUCTIONS AND EXEMPTIONS I 9, Funor.l ENponl../Adn, Co.ta/~hc, E.pon..1 (Schodulo 10 191 10. DObh/Horlgogo L1.blllll../Llonl ISchodulo II 1101 11. Tot.l Doductlono 12, Not Volu. of T.N Roturn 15, Chorlloblo/Oov.rnnonlal Boqu..h ISchodul. JI 14. Not Voluo of Eot.to Subjlct to To. NOTE I . RECEIPT NUHBER AA022656 DISCOUNT INTEREST ('1 (-I .00 ~ I 1 CHANGED o l.' ... , ., oi .:~.OO -. '.J ,00 ,00 ,00 20,355,29 8.031,01 20.655,46 III ':J I" .... 49,041,16 1,193,46 698,11 III 1 1121 1151 1141 7.A91 ~7 41,156.19 ,00 41,156.19 ,00 X ,00, .00 41,156,19 X ,06,_---!.!.469.31 , 00 X ' IS, , 00 1111 2,469,31 AHOUNT PAID 2,469,31 TOTAL TAX CREDIT BALANCE OF TAX DUE INTEREST 'rOTAL DUE . IF PAID AFTER DATE INDICATED, SEE REVERSF. fOR CALCULATION OF AOOITIO~AL INTEREST, 2,469,31 ,00 ,00 ,00 I IF TOTAL DUE IS LESS THAN .', NO PAYHENT IS REQUIRED, IF TOTAL DUE IS REFLECTED AS A "C~EDlT" ICRI, YOU HAY BE DUE A REFUND. SEE REVERSE SIDE OF THIS FDRH FOR INSTRUCTIONS. I ,I' I '\'11' ' REIERVATlONI E.t.t.. of dlCld.nt. dying on or blfor. D.celt., 12, l,aZ ~~ If any future Int.r..t In thl I.t.t, I. trln.flrr.d' In Po.....lon or .nJov..nt ~o Cia.. . (col1.,.r,l) bun.flelarl.. of thl dlc.d.nt after thl IMPlrttlon of ftny "'It. for llf. or for v..r., thl Co..onw"lth hlr.by .Mpr...lv r...rv.. thl riUht to apprall' and ...... tran,f.r Inh.rltlno. T'Mle It the llwful el... I (oo11",re1) rat. on any .uch future Int.r.,t. P\MIPOSE Of HOTICEl To fulfill thl r.qulr...nt. 0' Slot Ion 21~O of t~. Inherlt_nc. Ind Elt.t. TIM Aot, Act 22 of 1991. 72 P,S. Stotlon 2140, PAVHEHTI Dtt.ch thl top portion 0' thl. Hotlcl and lub.lt with your p.~..nt to thl R.gl,t,r 0' Willi printed on thl rlv.r.. .Id.. --H,k, chICk or .0nIY ordor PIYobl' to. REOISTER OF MILLS, AOEHT All Ply-.nt. rlcllvld .h,ll flr.t bt applied to any inttr..t which .ay b, dut with any r"lind,r tpplJ,d to th_ tlX. REf UNO (CR)1 A r.fund of . taw or.dlt, which wa. not r.qua.tld on the T.~ Rlturn, ..y b, r.quI.t.d by cOlplttlng an "Appllcltlon for R.fund of Ptnn,vlll,"I, Jon.rlttncl and Eltata rlw" (REY-1SiS), Applications .r. avallabl, tit tho 0"101 of tM RI.hter of N11l1, any of, the ZS Rlv,nut Olltriot Offlc.., or by oalllo" th. ,plolat Z".hour '"IN.rlng ..rvl01 nulb.rM for for.. ord,rlngl In Plnn,ylvlnt, 1-IOD-562-2050, out,ldo Plnn,vlv.nla and within 10011 HarriSburg .r.. (711) 187-8094, TOOl (717) 772-Z2SZ (H..rlng I.p~lr.d Only), OBJECTIONS1 Any party In Intor..t not I,tl,flld with the .ppr.I....nt, 1110Mlnc. cr dl.allowlnc. of d.duotlon., or ......R.nt of t'M (Including dl.count or Int.r..t) .. thOMn on thl. Motlc. .u.t obj.ot within .Ixtv (60) dlY. of r,cllpt of thlt Noth. bYI --wrIU.n prot..t to th. PA O.p.rtR.nt of R.v.nuI, Bo.rd of App.ttll, Olpt. 281021, HarrhburG, ,PA 17121-1021, OR .-.l.otlon to h.vI thl Rltt.r dlt.rRln.d .t lud!t of thl account of thl p.r.o",l r.pr..lnt.tlvl, OR .-'PPI.I to thl Orphan.' Court, ADIUN IllRATlVE COlltIl!CTlOHS , INlERESl' FlOtUtl .rror. dl'Dov.r.d on thl. ........nt .hould bl .ddr....d In writing tOI PA DIP,rt..nt of RIV.nut, Bur.au of Indlvlrlu.l T.x", ATTNI Po.t A.....R.nt R.vl.w Unit, n.pt. 210601, H.rrl.burg, PA 17121-0601 Phon. (111) 71'-6505. S.. p.a. S of the bookl.t "In.truetlon. for Inh.rltant' TIM R.turn for. R..ld,nt OIe'dlnt" (REV-IS01) for .n 'Mplln,tlon of BOIlnl.tratlv.lv corr.at,bl. .rrer., If any t'M due Is plld within thr,. (3) oal.nd.r lonth. 6ft.r the dle.d.nt', d.,th, . flv. Plrc.nt (SX) dl.ccunt of thl tile p.ld It allowed. Int.r..t Is charg.d b.,lnnlng with flr.t d.y of d.llnqulnoy, or nln. (9) .onthl .nd on. (1) d.y froR the dat~ of dI,th, to thl dati of Ply..nt. T.x.. which b.o... d.llnqutnt blfor. J.nu.rv I, 19&2 hl,r Int.r..t It thl ratl of .lx (6X) perolnt p.r Innu. a.loul.t.d at . d,lly rltl of ,00016~, All tIXI. which bloa.. dtllnqu.nt on end aft.r JtnUlry 1, 1912 will bllr Intlr..t ,t . r.t. which Mill v,ry fro. ettlndlr y..r to oal.ndar y..r with thlt rltl announcldby thl PA n.p.rt..nt of RIVI.,U.. Th. applleabl. Int.re.t r.te. fnr 1912 through 199~ .r" DISCOUNl. t'.!!: Int.r..t Rite D.llv In1"..t Factor !!!r Int"..t RIlt. nllly Int"ut Flcter 1911 lOX .000541 1987 9X ,OOOI~7 1915 I6X .ooma 1911-1991 IIX ,OOasOI 191. IIX ,ooom 1991 9X .0001~7 19Ia UX ,0005\6 I99S-I99~ 7X ,000192 1916 lOX ,000211 199\ 9X ,OO02~7 -"Interlat II c.lcul.ted .. followlI INTEREIT . IALANCE OF TAX UHPAID X NUHIER OF DAYS OELIHQUEHT K DAILY INTEREST FACTOR --Anv Notlel 1.lued Iftlr the tlx b.eo... dellnqu,nt will r~flect an 1ntere.t cllculltlon to flft"n CIS) dlVI b.yond the dati of the .......tnt, If plvR.nt I. ..de ,ft.r the Int.r..t eOlputltlon d.te .hawn on the Notice, Iddltlonal Int,,"t MI.t b. c.lcul.t.d.