Your Questions About Title Insurance

Mandy asks…

What value does a real estate lawyer add on top of title insurance?

If title insurance already protects against:
– survey errors
– legal description errors
– negligence
– forgery
– liens

and negates the need for:
– zoning compliance certificate
– tax certificate
– hydro/water/gas certificates
– law society levy

what value does a real estate lawyer add on top?

Is it just for wading through the legalese in the Offer and the Agreement?

barry0912 answers:

Depends on the transaction, if it’s a refinance, I would tend to agree with you even though I don’t understand what you mean by stating title insurance negates the need for tax and water certificate. I’d also be cautious of the legal description errors. I had a situation in NY, purchase, where the deed to the property did not contain a legal description at all. The previous title company would not give us a letter of indemity for our title and then come to find out our title underwriter would not accept it, the original deed had to be found and re-recorded, no exception, so I guess it depends on what you mean by “errors” On a purchase transaction, they usually add more value due to the purchase contracts and drafting of deeds, etc. To be bluntly honest, most attorneys usually dont even touch the file unless there is a major problem, their paralegals handle the day to day operations

Lisa asks…

Who is responsible for selling a bad title insurance policy?

I had property line dispute with my neighbor and my title insurance policy(First American Title Insurance Company) does not want to pay my $7k attorney fees for preparing the claim . They did not cover my out of pocket legal fees. I was sold a crappy policy 10 years ago when I purchased my residence. Who is in charge of choosing the title insurance company? Escrow company or the agent?

barry0912 answers:

Normally the real estate agent or the escrow officer select a title company they are accustom to working with. This is prevalent throughout the mortgage and real estate industry.

What the real estate agent or escrow loan or loan officer fail to tell their clients is that they may select the services of their choice.

Even if your title was not in excess of 10 year the title company only guarantee that liens against the property after your purchase would be paid and you would be getting a clean title to the property. You did not get a crappy title insurance policy.

I have used First American Title Insurance and have found them to be a competent title company over the years.

In most states and counties a property has been assigned a lot and parcel number with the dimension recorded at the county court where the property is located. If there is a dispute about the property as to where it ends and how much is yours, then you would have to hire a survey company to complete a survey to determine property lines.

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

“FIGHT ON”

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Your Questions About Internet Marketing Services

Sandy asks…

Different internet service?

I have AT&T DSL internet service. I live in a household of three. Two with laptops, and me with my desktop and PS3. I am sick of this internet service!!! Every time even one person starts surfing the web, my computer starts running so slow!!! The internet starts going in and out of service at the most random times. And I usually have to wait until late night in the AM when everyone else is sleeping just to get a HALF decent connection. Whenever I want to play my PS3 I can’t because of the others are on their devices and it causes so much lag to the point where I eventually get signed out of the network and I can’t even connect back to the servers. I would LOVE to switch back to Comcast (even though the customer support sucks! it would definitely be worth it over my current service provider) but I live in an apartment building that is under contract with DirectTV (which also sucks) so there is no other possible way to get Comcast because we would need to have a cable connection by Comcast even if we didn’t want cable tv itself. So pretty much we can only get Comcast unless we move, which is out of the question! So are there any other internet service providers that do not need a cable connection that are faster and more reliable than AT&T??? Or can anyone please tell me what I can do to make my internet connection faster on my PS3 at least? Thanks in advance guys!
Also, my desktop and PS3 are on wired connections. And the two laptops are obviously wireless. See the problem here? lol

barry0912 answers:

DSL is usually the cheapest broadband option, albeit the slowest.

DSL – DSL (Digital Subscriber Line) is a form of broadband Internet that is transmitted over standard twisted pair copper telephone lines. DSL speeds range from 256 Kbps to 6 Mbps depending on distance from the telephone company and plan that you purchase. Http://en.wikipedia.org/wiki/Digital_Subscriber_Line

Standard DSL is rapidly being replaced by newer, faster technologies. DOCSIS 3.0 cable Internet has speeds up to a blazing 305 Mbps in certain areas. Fiber optic ADSL2+ and VDSL products are offered in excess of 100 Mbps.

Google and Time Warner even have 1 Gbps fiber being installed, that’s a whopping 1000 Mbps. Http://isp1.us/blog/time-warner-brings-1-gbps-fiber-links-to-new-york/

As far as wireless service go, There are some fast 4 G wireless services available. However you’ll not want wireless for your application for two reasons.

1.) Fair Usage Limits.

Most Internet providers impose limits on the amount of data you can download before they charge you overage fees or throttle your Internet speed to a crawl.

“Unlimited Internet” is a term often used to market Internet services.

Very seldom does it actually mean unlimited. What the providers do is add what is known as a “Fair Usage Policy” you’ll find it in the small print of the contracts. The effect is that you are either throttled to a crawl or charged extra for monthly bandwidth that exceeds the providers predetermined limit.

The worst are the cellular mobile broadband providers with under 5 GB per month, Satellite Internet is a close second with some providers throttling after 200 MB per day. Most cable and DSL providers allow 100-250 GB per month.

That being said, currently cable providers have the most liberal limits. However if you consistently download in excess of 250 GB per month you risk being canceled. Read this post for more info. Http://isp1.us/blog/comcast-usage-caps-ruining-families/

At&t DSL caps at 150 GB per month and I believe Comcast is 250 GB

2.) Latency (Ping Time)

Online gaming lag is usually caused by two things, latency and upload speed.

You can check these on a speed testing site. Http://speedtest.net

Latency is the delay (ping time) in milliseconds that it takes the signal to travel to the server and back. The lower the number the better, but you’ll definitely want a ping time of under 150 ms or you’ll have major problems.

Upload speed also plays a factor in updating your player position data to the gaming server. Slow upload speeds can cause your online game to lag. The faster the better, but at least 0.5 Mbps would be my minimum recommendation.

Another factor that comes into play is if you are using a wired (Ethernet) or wireless connection to your PC or gaming console.

Unfortunately any network without cables will have latency issues. This includes wireless mobile broadband and satellite systems, but also can be caused by wireless router connections.

By nature, interference in wireless systems causes problems with smooth, consistent speeds.

A lot will depend on what Internet providers are available in your specific area and what levels of service they offer in that location.

To compare your local competitors, go to a ISP comparison site that lets you input your address, http://isp1.us/find/ and compare the pricing and terms of the offers that are available in your area.

The physical address is needed because some services, particularly DSL, are very distance sensitive. For example you might be able to get a specific level of service while your next door neighbor can’t.

You’ll want to pick the fastest plan that fits your budget. In some areas this can be 300 Mbps+. But these high end broadband plans are expensive. You may find that something in the 5 to 50 Mbps range might satisfy your needs at a much lower cost.

Good Luck…

Linda asks…

what does internet marketing mean ?

i would like to know what internet marketing means and all that it involves. thanks for your insightful response

barry0912 answers:

Internet marketing is such a complex thing. It maximizes the internet for marketing of online and offline business.

Basically, Internet marketing is also known as web marketing, online marketing, or eMarketing. It all about marketing of products or services over the Internet.

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Your Questions About Internet Marketing Blog

Chris asks…

What is a good and cheap way of marketing my website?

I need a good way to market my social website, that has been recently constructed. What are some good ways doing this?

barry0912 answers:

Hi buddy..

Here are my “Top 7 FREE Traffic/Advertising Or BLOG Visitors Generating Tips”

1)Viral Pictures
Viral is closely connected with something that may spread easily.So i suggest you to create a viral picture which is closely connected with your products and spread it.
Everyone likes funny pictures and they don’t mind sharing it with others.It’s viral.So, If you’re selling a health product, then you may create a funny picture about it and put your website’s name on it.
Next, just forward it to as many contacts as possible using e-mails. Whether it’s a 12 years old kid or 21 years old adult.They would just love and share it with others. Can you see how easy it is?

2)Viral Videos
Videos are the most famous entertainment on the Internet.People would just love it dues to it’s effectivenes in spreading the message. So i suggest you to create viral videos about your product and again put your link in it.
If you got 3 minutes video, then make sure your website’s link is visible throughout the whole 3 minutes.If you don’t have the neccessary tools to create a video, then you can simply collect 5-10 viral pictures and then convert it into video using Windows Movie Maker.
Then just upload it to You Tube or Google Videos. Now using bluetooth everyone is exchanging videos from their mobiles or computers. If your video is viral enough to attract others, it will easily spread to others.

Suggested Link
http://youtube.com

3)Yahoo Answers
I probably won’t be answering your question if i don’t know the answer. And i won’t suggest you any websites link if i think that it’s not going to help you.
So simply answer any questions that you’re knowleadgeable(your niche market) at and put a link to your websites as extra source for others.
If your answer is good and solved the questions, people would also expect for more tips and suggestion from you.If you suggested any website links, there are high chances for anyone to visit it.

4)Forum Marketing
Forum Marketing works just like Yahoo Answers. They would be a lot of tips and questions exchanged in any forums.
So start getting active and contribute to any forum members and they will appreciate your expertise and start visiting your websites fo more up-to-date tips.

Suggested Link:
http://warriorforum.com/

5)Newsgroup Marketing
Promote your expertise and links in newsgroups by contributing your tips to other members.

Suggested Link:
http://groups.yahoo.com/

6)Article Marketing
Write articles within your niche and submit it to article directories.Write good and informative articles and a nice bio box that’ll attract visitors.

Suggested Link:
http://ezinearticles.com/

7)Social Networking
Use social networking sites to promote your products and links. As you know social networking sites are self promotoable. If you got a nice profile with beautiful pictures in it, i bet you’ll get a lot of visits from other members.

Suggested Link:
http://facebook.com

Lisa asks…

Pl provide any certified internet which offered money related work?

I shall be grateful if any body provide internet work from where a person can earn money.

barry0912 answers:

I think the best way to earn money through internet is Blogging. You can use Google’s blogger for this purpose. There are millions of people looking for something interesting to read, to play, to chat with some one, to share their ideas on the web. If you are creative, start writing a story and put it on your blog in pieces. People will keep coming to your blog to read the next part of the story. Or if you do not like to stress your mind in writing stories, you can even create a blog as a warehouse of useful information. You just need to keep yourself abreast with the latest things going in the world. It could be about share market, about some news event or about some book launch. Google for it and put the best and most useful links on your blog (provided you do not do any copyright violation).
You can think of some other innovative ways too.

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Your Questions About Internet Marketing Services

Ruth asks…

what is the best way to get your gaming YouTube channel noticed?

hey guys my gaming youtube channel is TheSilverClassGamerz and have had it up for a few months though and am wondering how i could get a bit more noticed? because i have uploaded almost 50 videos now and only have 30 subs if you guys could help and tell me how that would be great. http://www.youtube.com/user/TheSilverClassGamerz

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barry0912 answers:

Lol. If those are the tags you’re using, big reason why noone visits. Noone likes a spammer.

Susan asks…

Where can I get objective advice on an Internet advertising model?

I’m trying to find a qualified resource to provide some generic answers concerning a new Internet advertising model. Basically this model will offer potential advertisers a low monthly volume of extremely high-quality leads. The questions I have relate to a) pricing and b) marketing this new service. So, where do I look for this advice?

barry0912 answers:

I find questions that require a “deeper” answer get better answers in the Q&A of LinkedIn. Their Q&A attracts a lot of professionals in the field of marketing, advertising and in this case, direct marketing.

My suggestion is to look at some examples of this type of business model. Franchising brokers and directories, for example, offer this type of business model where the advertisers (franchisers) post their info for a fee and then they pay based on the leads that they get

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