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 Strategies

William asks…

What Is Internet Consulting?

Is it some thing like aligning business strategy with internet usage strategy – something which many sites claim ( Ihad gone through one called mag-corp dot com and find some thing like this mentioned there)
If the answer is yes — what woud be an appropriate approach to moving forward?

barry0912 answers:

Internet consulting is a broad term that is applied to the task of evaluating and developing strategies for businesses that wish to function on the Internet. The consulting may take the form of developing a retail interface and marketing strategy that functions in conjunction with a business with brick and mortar stores. Internet consulting may include the creation of a process to market business online.

Consultants may also assist in the creation of online sales tools that are used to support the efforts of agents or remote salespeople. Internet consulting may also apply to the selection of hardware and software components to assist a client in creating a general infrastructure that allows employees to access in house information, such as departmental newsletters or other communications.

In all its forms, Internet consulting is about analyzing the current status of the client’s online presence and assess what needs to be added, adapted, or replaced in order to help the client reach his or her goals for a web presence. The consultant normally begins the process by becoming acquainted with what the company produces in the way of goods and services. Assessing the current status of the customer’s online presence usually follows in short order.

David asks…

What are film marketing strategies?

As Media work

barry0912 answers:

Here are the film marketing strategies.

1) The Internet (online marketing) makes it easy for you to promote your film even if you don’t know what you’re doing

2) YouTube (online marketing) is a social networking website that makes it easy to get promotion for the videos that you have. You want to start with YouTube because of the massive amount of traffic that this website receives.

3) Direct mail (offline marketing). You can purchase a mailing list from the SRDS (available at your local library) and find a list of targeted prospects who would be a great fit for your movie.

4) Word of mouth (offline marketing).

5) Paid advertising (online or offline marketing).

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Your Questions About Low Cost Auto Insurance

Carol asks…

What auto insurance offices offer reduced cost auto insurance program in the San Fernando Valley?

Details below if you do not know which one I am referring to?
I’m not talking about the cliche “low cost auto insurance” that is available to everyone. etc…I’m talking about a specific plan offered by the state of California available at some insurance offices for low income individuals. I found one office with it, it isn’t close enough, does anyone know of any more offices ?

“The California Low Cost
Automobile Insurance Program (LCA):
The California Low Cost Automobile Insurance Pilot
Program, created in 1999, established a lowcost
automobile insurance policy for residents of Los Angeles
County and the City and County of San Francisco.
California Law requires that all drivers be insured.
However, too many low-income drivers remain uninsured
because the costs of standard auto insurance premiums
are beyond their financial reach. The program’s purpose
is to provide lowcost automobile liability insurance to
good drivers who demonstrate financial need.

barry0912 answers:

It’s my understanding that the program is only available to those that are certifiably below the poverty level and the liability limits are reduced even lower than what is normally required by the State of California.

I’m a Texas agent but have a lot of friends that are agents or brokers in CA and they tell me that they do not HAVE to sell it and choose NOT to since it IS a low premium product (hence low commission to them) and they cannot charge any broker fee.

Irregardless of how far the agent that you FOUND that WILL write the program, you may be compelled to use them. It’s either that or ask around to someone you know that might have the program – perhaps they can point you in the right direction. You might also contact your Department of Insurance in Sacramento for a list of qualified agents.

Good luck and I hope this helps!

Ken asks…

Where can I get cheap auto insurance?

I am looking for good and low cost auto insurance.

barry0912 answers:

If you search this site you’ll see that this question has been asked before…

Insurers base their quotes on different factors for different people, Try getting a quote online or from a local broker. I am paying less than ½ of what I was paying before.

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Your Questions About Internet Marketing Services

Linda asks…

Has anyone sold their home through a flat-rate MLS service, and what were the results?

We are preparing to sell a $300K house and just can’t understand how a listing agent can still justify a 3% / $9K commission. Property values have increased substantially in our area, as in most, but the work the agents have to do to market properties has decreased significantly with the advent of internet marketing.

I understand the value of the buyer’s agent, bringing pre-qualified buyers to see my home, but I just can’t see paying the same commission to another agent just for listing on the MLS and coming by to stock flyers, especially when I can buy an MLS # myself through one of these services. And as for the paperwork, a real estate attorney can do it for far less.

On the downside, I can imagine that the buyer’s agents may be less enthusiastic to show such a property out of support for their industry. What experiences have you had? Are listing agents still necessary or are most people just willing to pay the 3% b/c they are so happy to hear how much their house is now worth?

barry0912 answers:

IMHO, there is a TON more work now that it is a buyers market. A couple years ago, people engaged in bidding wars to buy property. Now, there is a ton of inventory, interest rates are low and buyers are shopping around. It is a buyers market.

In the US, most areas are experiencing a price decline.

The internet does not make it easier. Everyday I get emails about a property, most are just tire kickers or want to make a ridiculously low offer on a property. At this point, I’d say 1 out of 50 prospects are actually interested in purchasing a property for fair market value.

As a listing agent, I just don’t stock flyers and wait for a buyer to come. I put up signs, advertise, send mailings, hold open houses, get your home on many websites, create a virtual tour, and bring qualified buyers through the home. Limited service agencies cannot say that. Most Realtors won’t show a property through a limited service agency, it doesn’t have anything to do with supporting the industry, but most of those sellers are so penny wise they are pound foolish. Very difficult and once a Realtor is involved, they want the Realtor to represent both sides without compensation. Ugly for the Realtor.

And you pay a limited service agency whether you sell the home or not. If I don’t sell your home, you don’t pay me a dime.

Chris asks…

What is Internet Marketing?

I’m confused with these stuff, internet marketing, search engine optimization, social media optimization, etc.. Are they all related?

barry0912 answers:

Internet marketing is the marketing of products and services using the Internet as its medium. Lower costs of dissemination of information and a global audience are its main advantages. Internet marketing also encompasses digital customer data management and electronic customer relationship management (ECRM), which are widely used in businesses today.

I’d suggest you download the ebook about internet marketing here:http://tinyurl.com/237cvqj .
It’s a simple and straight-forward ebook with step-by-step instructions that can produce a lot of traffic, leads and income for you if you’re willing to put in the small amount of time and effort to do it.

The truth of the matter is that the ebook is proven to be effective when it comes to internet marketing. So if your trying to build an online income without a powerful Marketing System you will always be climbing a slippery slope.

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Your Questions About Anonymous Mask

William asks…

How does the group “Anonymous” stay anonymous if they protest in groups?

It seems like it shouldn’t be hard to infiltrate an anonymous mask-wearing group. Are these just naive college kids in over their heads, is the “Church of Scientology” not as dangerous as claimed, or is there something I am missing?

barry0912 answers:

Scientology HAS tried to infiltrate the Anonymous protests. There are discussion threads dedicated to this kind of Scientology tactic at the Anonymous message boards on enturbulation.org.

Anonymous is not an “organization” as such things are generally understood. It has no structure, no hierarchy, no central leadership. It’s a collection of concerned individuals from all walks of life and from around the world who have come together to protest against the crimes perpetrated by the Church of Scientology.

The CoS certainly IS as dangerous as claimed. There are multitudes of people who have suffered tragic experiences during their involvement with Scientology. Read about them here:
http://www.lermanet.com/persecution/
http://www.whyaretheydead.net/krasel/
http://xenu.net/archive/personal_story/cheryl_s
http://www.cs.cmu.edu/~dst/Library/Shelf/xenu/xenu.pdf

Here are more “bad experiences” with the cult including an illegal plot to infiltrate the government, brainwashing techniques, mind control camps, attacks on critics, and DEATHS caused by Scientology doctrine and members:

● Operation Snow White – Under this official program, Scientology operatives committed infiltration, wiretapping, & theft of documents in government offices. This program constituted the single largest infiltration of the United States government in history. Among the 11 prominent Scientologists convicted of this conspiracy was Mary Sue Hubbard, the wife of Scientology’s “prophet”.
Http://lisatrust.freewinds.cx/scientology/snow-white/index.html
http://en.allexperts.com/e/o/op/operation_snow_white.htm
http://www.lermanet.com/reference/77Granjurypart1.htm

● Operation Freakout – Their campaign of sabotage & violence against Paulette Cooper, the writer who published her research & findings on several cults, including Scientology. Scientology’s official plan: to frame Paulette, ruin her career & reputation & get her either incarcerated or locked up in psychiatric confinement.
The official plan: http://www.cs.cmu.edu/~dst/Krasel/cooper/frk1.html
Her book: http://holysmoke.org/cos/books/scandal-of-scientology-cooper.pdf
More info: http://www.holysmoke.org/pc/pc.htm

● Fair Game – the Scientology policy detailing how the organization may confront & handle critics & perceived enemies. Here is a direct quote: “Enemies may be deprived of property or injured by any means by any Scientologist without any discipline of the Scientologist. May be tricked, sued or lied to or destroyed.” Though they claim this policy is no longer in effect, Scientology still goes to great lengths to bully all known critics, opponents, “enemies”, etc, often through malicious litigation & character assassination, even going so far as to falsely accuse them of crimes.
Http://www.xenu.net/archive/disk/fairgame.htm
http://www.planetkc.com/sloth/sci/Fair_game_ord.html
http://www.fairgamed.org/
http://www.solitarytrees.net/racism/harass.htm#start

● Physical & psychological punishment – Scientologists who “break the rules” while members of the “Sea Org” must subject themselves to the Rehabilitation Project Force (RPF), which includes regimes of harsh physical punishment, forced self-confessions, social isolation, hard labor and intensive ideological indoctrination.
Http://www.xenu-directory.net/practices/rpf.html
http://www.lermanet2.com/scientology/gulags/BrainwashinginScientology’sRehabilitationProjectForce.htm
http://www.xs4all.nl/~kspaink/cos/rpf/escape_2.htm

● Brainwashing & mind control – Scientology exerts control over its members by means of typical cult tactics, including but not limited to controlling information about internal doctrine & criticism of the organization, severely restricting social contact outside the cult (including the practice of “disconnecting” from family, friends & ex-members who question the credibility & trustworthiness of the cult & are therefore considered “suppressive persons” by Scientology), creating an “us against them” mentality by villainizing a specific out-group (for Scientology, it’s psychiatrists), & claiming all those outside the cult are dangerously unenlightened.
Http://www.scientologydisconnection.com/
http://www.sptimes.com/2006/06/24/Tampabay/The_unperson.shtml
http://www.factnet.org/Books/SocialControl/scs.html#toc http://www.freedomofmind.com/resourcecenter/groups/s/scientology/pignotti/
http://xenu.net/archive/personal_story/funkydonny.html

● Tax Fraud – One of the only reasons they enjoy “tax exempt status” on religious ground in the United States is because they bullied the IRS into a “deal” through extremely aggressive barratry (which is the offense of persistently instigating groundless lawsuits) against said government agency and its officials, and arranged to drop all 2,500 frivolous lawsuits only when an “agreement” was reached. In addition, Scientology’s lawyers hired private investigators to dig up any “dirt” on IRS agents which was then used to blackmail or publicly smear all “vulnerable” agents.
Http://legalminds.lp.findlaw.com/list/fedtax-l/msg00445.html
http://www.lermanet.com/scientologynews/nytimes/nyt-irs-030997.htm
http://www.factnet.org/headlines/give-away.htm
http://www.cs.cmu.edu/~dst/Cowen/essays/irs.html

● Violent Kidnapping – Lisa McPherson was a Scientologist, was involved in a car accident & resultantly became mentally unstable. She was kidnapped from the hospital by agents of Scientology, held against her will, refused proper psychiatric treatment & allowed to STARVE TO DEATH.
Video: http://theunfunnytruth.ytmnd.com/
News Coverage: http://www.factnet.org/Scientology/Lisa_McPherson_Scientology_Deaths.html
Websites: http://www.lisamcpherson.org/
http://www.whyaretheydead.net/room174.html
http://www.holysmoke.org/sdhok/lisa.htm

● Tragic Murder – A CBS “48 Hours” special on Jeremy Perkins, the mentally disturbed son of Scientologist parents who, because of the Scientology doctrine of opposing psychiatry, refused to put him on the anti-psychotic drugs that would have stabilized him & prevented him from killing his own mother.
Video: http://www.scientomogy.com/jeremy_perkins.php
CBS article: http://www.cbsnews.com/stories/2006/10/25/48hours/main2124568.shtml
Website: http://perkinstragedy.org

James asks…

Does using a Guy Fawkes mask as your avatar indicate homosexual leanings?

If a person uses a Guy Fawkes mask as an avatar, calls herself “Anonymous,” and asks a lot of gay troll questions, does that mean she is gay, or is she just a confused bi-sexual?

barry0912 answers:

There is no certainty in assuming she is either. She could also be a heterosexual into BDSM or latex, or she could be just a regular zoophiliac. Using a Guy Fawkes mask in any manner at all does not denote any specific sexual behavior.
Wearing black clothes does not mean you belong to the Addams family, does it now?

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