Your Questions About Title Insurance

Robert asks…

Do i need title insurance if buying a home with cash?

There will be no mortgage on the house. What does title insurance protect me from?

barry0912 answers:

Yes you would want and need title insurance on any real estate purchase even if you are paying all cash for the property.

This title insurance would ensure that there are no liens on the property prior to you assuming ownership. Failure on your part to obtain title insurance you might have many unknown liens on the property that if you decided to refinance or sell the property would have to be paid prior to you selling or getting a refinance.

The title police guarantee that you are receiving a clear title without any other encumbrances.

I hope this has been of some benefit to you, good luck.

“FIGHT ON”

Richard asks…

Do you really need title insurance on a foreclosed house?

For example HUD recommends that a buyer of the HUD foreclose gets a title insurance. Why? Isn’t that redundant?

Also, I know some lenders that require buyers to get a title insurance on a government foreclosure.
I understand that on bank foreclosure it is necessary to have title insurance. But why on a government foreclosure? My understanding was that all the lens are dropped when you buy a government foreclosure.

barry0912 answers:

Title insurance is more important on a foreclosed home than any other. There are numerous title insurance problems that can be associated with a foreclosure. I have seen many, many incorrect legal descriptions in foreclosures; creditors (thus lienholders) omitted from the foreclosure process; and even on one occasion the entirely wrong property was foreclosed. In order to save the most money you should ask for the re-issue rate if that is possible. HUD just purchased a policy of title insurance on the property in question, you may want to go back to that title insurance company for your policy.

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Your Questions About Titleist

Sandy asks…

What do you have to do to become a titleist representative?

I am thinking aout doing this for a living and i was wodering how many years that you needed to atten college and what you should major in to go about become a rep. I think that this would be a very neat job that i would like and would like any other information that you could please give me on this topic.

barry0912 answers:

If you are talking about working for Titleist. A basic B.S. Is a good place to start. You also would be best served by learning to spell and communicate coherently and effectively.

James asks…

What’s the significance of the number on a Titleist golf ball?

I have Titleist golf balls that say Titleist 1 & Titleist 3. What’s the difference?

barry0912 answers:

The numbers are on the balls, so two or more players who like to play the same type of ball can do so without the risk of confusing their ball with someone else’s.
For example, when two people playing Titleist Pro V1s hit in the same general direction (and maybe don’t mark it or have similar ball marks), they can tell which from which by the number on the ball.

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Your Questions About Title Vii

Sandra asks…

Can Title VII override the employment environment and conditions detailed in a written employment contract bet

barry0912 answers:

Title VII of the Civil Rights Act of 1964 and the Americans with Disabilities Act (ADA) cover all private employers, state and local governments, and education institutions that employ 15 or more individuals. These laws also cover private and public employment agencies, labor organizations, and joint labor management committees controlling apprenticeship and training.

An employment contract does not allow for or legalize any act of discrimination that is covered by Title VII. A contract can not set as an acceptable working environment any policy or procedure that tolerates or promotes discrimination. So to answer your question YES Title VII can and does override an illegal contract.

There are some exceptions to these laws for multi-national companies. The exceptions are few and each instance is looked at on it’s particular circumstances and merits.

David asks…

can Title VII override the employment environment and conditions detailed in a written employment contract?

barry0912 answers:

Not unless the employment contract is illegal or the language used in the contract is in direct contradiction to the Title VII.

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Your Questions About Low Cost Health Insurance

Chris asks…

Looking for low cost health insurance for middle income women.Any ideas?

My husband job provides health insurance, but it is too expensive for us. I currently have my children on an income based program with Kaiser. Does anyone know of such programs for women?
By the way I live i California.

barry0912 answers:

There are no such programs specifically for women.

Contact a local agent that works with all of the major companies in your area. The agent can work with you to find the best plan for your situation and budget. There is no extra charge using an agent.

Thomas asks…

Low cost health insurance, where can I find some?

I am able to squeeze 150 dollars out of our family budget for a monthly health insurance. I would like to be able to choose a doctor. I live in Florida. I’d like any help and information.

barry0912 answers:

Hi, how are you? My mother’s name is Sara[h].

I know of an affordable program that may help you and your family. It’s “discount” program for dental and medical needs with savings up to 80% for under $40.00/ month.

This includes dental, prescription, vision, medical and chiropractic services.

Check out the web site below for more details you can also look for a list of providers in your area via the web site.

Http://www.everyonebenefits.com/jrogers

I wish the best for you and your family.

Take care,
Juanita

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Your Questions About Anonymous

Susan asks…

What should I do? An anonymous letter was sent to my organization maliciously destroying my integrity?

Recently, my organization head received an anonymous letter saying I did extortion and accepted bribe money for the past two years? The writer is unknown, no address, and it mentions no specific victim of extortion. It contains no lead to a fact of the complain. Honestly, I did not do any such unethical acts!. My supervisor and boss said they will review the over a thousand cases of my work for the past two years, and I am not afraid. What will I do? Who could have done this to me?

barry0912 answers:

You may never know who sent the letter. While its normal to wonder, it can also drive you crazy.

The most important thing in this situation is to remain calm, keep your cool, smile, cooperate and go about your work. Do not allow the inquiry to interfere with your continuing to do a good job.

Second, your organization should contain any possible damage to your reputation. If they feel the need to look into the letter, then fine. Not knowing all the facts, its hard to say if they are acting correctly in even responding this way. They should, however, act in a manner that respects your reputation. The inquiry should be limited to what’s necessary to produce results, and the people involved should be limited only to those that can offer necessary and relevant information and / or have an absolute need to know in order to complete the inquiry. That’s normally legal, HR, your supervisor(s) and other employees that have direct and personal knowledge of important facts. They should do what’s necessary to finish the inquiry as soon as reasonably possible so everyone can put the incident behind the organization.

The specific rules on these matters differ by country and state. Also, the allegations can be criminal, which is fairly serious. I would consider consulting with an employment lawyer in your area. I would avoid involving counsel in the discussions with your employer, and I might even hesitate to make public the fact you are consulting with counsel. That tends to put the discussion on an adversarial footing, some people will react negatively (assume you have something to hide), and it may appear as if your concerned and not cooperating. Having said that, getting some advice in the background is always a good thing … And you can work with your counsel on when, or if, its ever reasonable to involve him / her in the matter.

Good Luck.

Chris asks…

How do I become truly anonymous on the internet?

I already use tor what else can I do because I heard of the government getting passed tor’s security. Is there a computer I can by that is without IP or something. I currently have a mac book are there settings I should turn off or on. How do I become truly anonymous on the internet?

barry0912 answers:

If you don’t have an IP address then it is physically impossible for you to be on the internet. End of story.

The best option would be to use Tor AND pay for a professional VPN that DOES NOT keep any IP records period (some do even though they say they protect identity). Additionally use a browser which randomizes the user agent per every webpage, does not keep cookies, and does not support java.

True anonymity is impossible without getting into a main internet line without the use of an ISP.

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Your Questions About Low Cost Auto Insurance

David asks…

Any cheap auto insurance for students?

I live in south FL, 20 years old, full time college student. High GPA (good student discount) and clean driving record, also good credit. Please advise on low cost auto insurance companies.

barry0912 answers:

Look I can’t tell u who’s the cheapest! But when your trying to get quotes u need to give them the exact coverage u want compared. Because money quote can have extreme variety of coverage. Male premiums r higher than female. Depends on vehicle (s), safety equipment, driving record and statistics in your area. Ask for discount don’t assume they’ll give it.

Susan asks…

Is the cost of auto insurance lower in Richmond, VA than in Wellington, FL?

I’ll be moving from Florida to Virginia for school. Also, what insurance policy would be best to purchase?

barry0912 answers:

Lately parenting forums have been buzzing with parents looking for ideas how to keep their teenagers from spending a lot of time on the computer and Internet. It seemsthat teenagersthese days are hooked on the computer just as they were hooked on watching television just a decade ago. In my travels through cyberspace, I have noticed an increasing number of websites and blogs discussingaccident and your car caused the damage, then the liability piece of your car insurance will cover the damages according to the terms of your policy.

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