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 News

Sharon asks…

Google Chrome, Opera, Internet Explorer or Mozilla Firefox?

Which is safer? Which is more secure? Which is the popular browser? Which one is shown on the news sometimes when something happens to the internet worldwide?

barry0912 answers:

Internet Explorer is the least safest/secure
http://www.webdevout.net/browser-security#graphs

Internet Explorer is the most popular (the irony)
http://marketshare.hitslink.com/browser-market-share.aspx?qprid=1

Being that IE is the most popular, it is usually in the news the most, however I do notice FF in the news quite a bit as well.
(personal experience)

Michael asks…

wii internet accessories?

where do i buy wii internet accessories in INDIA,like nintenodo wifi usb connector etc……any good shopping website in INDIA thats has it … then please let me know……

barry0912 answers:

Wii Internet

Online gaming is a market that no video game company wants to miss, and Nintendo is no exception. With that in mind, Nintendo not only designed the Wii to let players compete against each other online, but it also added an entirely different aspect of the Internet to its newest system-browsing. Once the Wii has been hooked up to the Internet, either wirelessly or with an Ethernet cable, you can purchase Wii Internet for $5. The full version of the Internet Channel, which is a version of the Opera 9 Web browser, was launched in April of 2007 and it allows Wii owners to surf the Web in a unique fashion. The font is much larger than it is on a computer, so it is a lot easier to see from the comfort of your couch. You can also zoom in and out and scroll up, down and sideways using the Wii remote.
The Wii Internet Channel takes only a few seconds to launch, mostly because it stays connected to the Internet even when it is powered off. The software is saved on the 512 MB Wii internal flash memory. The software can also be transferred to an SD card after you download it, although temporary Internet files will remain on the internal memory. The Opera-based browser can support a host of Web 2.0 technologies and applications including:
CSS
JavaScript
Ajax
RSS
Adobe Flash 7
Widgets
The biggest gripe about the Wii Internet Channel is that the browser does not support Adobe Flash 8 or 9. According to Opera, the reason that the browser does not support the later versions of Flash is that a software development kit is not yet available for either version. Because Opera utilizes an older version of Flash, problems may arise while you are trying to view certain Flash videos. Aside from the problems on the user’s side, Nintendo is also having a bit of trouble with the Wii Internet Channel. Apparently, hackers have found a loophole in the system that allows them to run their own code on the Wii console. The loophole is in the Flash Player embedded within the browser and could allow hackers to create video game emulators. That sounds like a great loophole, right? Not if you’re Nintendo. One of their potential moneymakers is the Virtual Console, which charges gamers between $5 and $10 for unlimited access to a retro title.

The Wii can use an Internet connection in more ways than just browsing. There are also free applications such as Wii’s News and Forecast Channels. The News Channel provides you with a view of the globe, which allows you to view news by region if you wish. The Forecast Channel also gives you a view of the globe, but this view also shows current weather systems around the world. If you zoom out far enough, you can see an accurate star map in the background. Since you register your Wii’s locations, it also knows what you’re looking for in the way of a local forecast.

Wii Accessories
The Nintendo Wii, like every other video game console, has some controller variations and other accessories available for serious gamers. Some of the accessories are very useful, while others merely add to the aesthetic value. Some examples of Wii accessories that fall into the “looks good, but not very useful” category are the plastic attachments for the Wii remote that make it look like a tennis racket, golf club or baseball bat. Nothing about the Wii or the game you’re playing changes — the attachments just transform your Wii remote into a prop. There are also boxing gloves that can house the Wii remote and Nunchuck. Just like the plastic attachments, these gloves don’t change anything about the game, except for the fact that you don’t actually have to hold onto the controllers.

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Your Questions About Internet Marketing Services

Michael asks…

isp(internet service provider)?

can u tell me some isp providers? can you tell me the company name? does it need to interfere with the telephone line to acess the internet? how do u pay for it? and what about the tellephone number?can u tell me it pleez? what is the web adress? do i need to buy something extra(ie router)? what modem does it need what are the speeds this isp(kbps etc.)? and finally, how do i get that isp or wat do i need to download? sorry for the trouble the question with the most stuff will be picked the best answer thanks(^_^) ; }

barry0912 answers:

Cable broadband Internet service.
In large subscriber surveys, Cox receives the highest scores for performance, customer service and reliability among cable broadband ISPs. A cable modem is included for free if you install it yourself. Download speeds top out at 4.0Mbps compared to dial-up (50Kbps) and DSL (generally 1.5Mbps or 3.0Mbps). Subscribers to other Cox services can get a discount of $10 to $15 per month. Cox isn’t available in all markets; in that case, Earthlink cable also gets high scores.
• Earthlink cable
(*est. $42 per month)

>> Where to buy
Cable broadband ISP.
Earthlink ties with Cox as the best cable ISP, and is the best choice if Cox isn’t available in your area. Earthlink also gets high scores for overall customer satisfaction and reliability, though its technical support ratings have slipped in the last year. Earthlink includes a highly regarded spam filter, along with other security features. Speed is rated at 5.0Mbps, and a modem is free with self-installation. If neither Cox nor Earthlink is available in your area, Road Runner and Optimum Online cable services are close runners-up.
• SBC Yahoo DSL Pro
(*est. $22 for the first six months, $35 thereafter)

>> Where to buy
DSL Internet service.
Reviews say cable Internet service is faster than DSL, but DSL is usually less expensive. DSL is also available in several speed classes, so you can choose to sacrifice some speed for a lower monthly bill. Among DSL service providers, SBC Yahoo and Verizon get the highest ratings for reliability and overall customer satisfaction. Yahoo’s standard DSL gets up to 3.0Mbps downstream — comparable to most cable ISPs — yet Yahoo DSL costs less. Availability depends upon your local phone-service provider, since DSL works through existing phone lines. (SBC will soon change its name to AT&T as it completes a merger with that company.)
• Verizon basic DSL
(*est. $15 per month, 768Kbps download speed)

>> Where to buy
Budget DSL.
While most cable and DSL services reach download speeds of 3.0Mbps, Verizon’s new budget DSL has a maximum downstream speed of just 768Kbps. While much slower than other broadband, basic Verizon DSL service is still 15 times faster than a dial-up connection. And because it is DSL, your connection to the Internet is always on and it doesn’t tie up your phone line. While reviews say Verizon’s basic DSL service is nowhere near as fast as other broadband, its low cost makes it a compelling alternative to a slower dial-up ISP like AOL or Earthlink dial-up, both of which are more expensive.
• Earthlink dial-up
(*est. $22 per month)

>> Where to buy
Dial-up.
Earthlink tops nearly every review we found for dial-up Internet service, and it’s available just about everywhere. Reviews say Earthlink dial-up is easy to set up, has thousands of access numbers, and has a low call and Web-page failure rate. Its cost is average for an unlimited dial-up ISP, but if Verizon’s basic DSL is available in your area, Verizon is faster and less expensive.
• NetZero or Juno dial-up
(Up to 10 hours of free usage per month)

>> Where to buy
Free Dial-up.
If your needs amount to occasionally checking your e-mail or a little Web surfing, NetZero and Juno (which are owned by the same parent company) offer a free dial-up Internet connection for up to ten hours each month. In exchange for a free ISP, you’ll have to contend with permanent advertising on your computer screen. Once your ten hours are up, you’ll be charged about $10 a month for ad-free access.

Steven asks…

Tips on internet marketing?

barry0912 answers:

Internet Marketing Tips :
1. Send a Press Release
2. Submit Product Feeds
3. Share Your Knowledge
4. Grab Local Listings
5. Offer an Affilate Program
6. Don’t use site-wide links.
7. Don’t be a Copycat.
8. Use the title and meta description tags as wise as possible.
9. Build an affiliate system for the services products you are offering.

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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 News

Carol asks…

Did LGN Revolution merge with another online company this week and who was the other online marketing company?

I heard LGN Revolution a top online marketing company was making a major announcement today to its members as to it purchase or merger of another major online marketing company.

barry0912 answers:

The news today is that LGN Revolution a top online marketing company, that makes available one of the lowest entry level and best compensation plans in the industry has purchased another leading online marketing company, EDC Diamond.
LGN Revolution’s advantage over other online marketing companies is that for as little as $200.00 you can have a new state of the art, full functional website with autoresponder, weekly training meetings for new and experienced marketers, and much much more. With LGN Revolutions superb mentoring program and built in residual income stream, it makes the decision process to join LGN Revolution a no brainier. If your looking for a online marketing business to get involved with and make some serious money this is the opportunity to look at.

I like LGN Revolution because it has 3 different levels. It is growing with ongoing upgrades to the System without a change in price and the CEO, James Ward, is involved in the business and available if you have any questions or problem.

In this Time of Recession when people are desperate for extra-income, as well as a chance for Financial FREEDOM, yet very careful on their spending, I find that LGN REVOLUTION is the answer! It is affordable and right now much more attractive as a business. This new purchase by LGN Revolution will enhance its position in the making money online business market.

Complete details of the acquisition have not been revealed at this point according to James Ward CEO of LGN Revolution, he mentioned that details still needed to be worked out to make the change fair and equitable for both companies. In his communication with LGN Revolutions members during a live webinar Tuesday night he mentioned LGN Revolution would be utilizing most of the products from EDC Diamond.

EDC Diamond’s products now consist of hundreds of titles, worth thousands of dollars, delivered in the form of videos, CDs, books and software titles that are both inspirational and instructional. You’ll find the highest quality, most current and up-to-date, products by industry leaders exclusive to EDC Diamond.

Members have immediate access to the best Mindset, Skill-set & Training products bar-none.

This is a true e-commerce digital product business with 100% of the resale profits going directly to the marketer.
* Over $100,000 of Digital Downloadable Products
* Mind-Set Personal Development Products – how to become an Internet Entrepreneur
* Skill-Set Products – “how to” market & advertise your business
* NO ONE has the complete set like EDC
* Huge market demand (business to business & business to consumer)
* Fortune 500 Corporations and SMB Businesses use our products together with our Training
* NOT AVAILABLE IN BOOK STORES OR TAUGHT IN COLLEGES
* Network Marketing meets the Corporate World
* Inclusive and an important part of your business success
* Our Products are directly correlated WITH our Product Training (6 day’s a week, live classes)
* Niche products to target specific markets

EDC’S collection consists of 100’s of individual products.
Marketing & Personal Development Products in the form of software,
videos, audios, e-books & podcasts. Offering you an exceptional value!
Members have immediate access to the best personal development
& training products bar-none.

The merger of these to companies into one LGN Revolution ,will greatly enhance and explode the online marketing industry. I’m sure both new marketers coming into the industry as well as old will find the benefits of the LGN Revolutions system of great value.

Linda asks…

Internet Website Marketing Ideas?

I own a small internet web maternity clothing shop. www.hautemamacouture.com I get almost no business to it at all. I tried paying for advertising with search engines but I had too small a budget (spent $100 on 4 different engines/month). I also have the same items in a store on eBay. That’s where I make 99% of my money. However, with their recent announcements of fee increases, they should just change their name to FeeBay and their changes to the feedback policy that will not allow a seller to leave negative when warranted, I can no longer afford to do business on there. I spend about $500-$1,000 in eBay fees a month but I make about $4,000 a month. How can I shift some of this around to promote my website. I am on a very limited budget and have no idea how to get people to go to this website and buy. Thanks!

barry0912 answers:

Getting traffic is a combination of a lot of things. The key to success is to create great content that visitors want to use, search engines will love and other websites will naturally link to. Of course, it’s easier said than done.

You can use pay per click advertising in the search engines to reach audiences looking for your products. You can use Google Adwords http://www.google.com/adwords or Yahoo http://searchmarketing.yahoo.com

Here are some shoestring marketing ideas that can help you get the visitors you need at the least cost possible:

1. Create the best content you can with the best products you can possibly offer. Your content is your best advertisement – if visitors love your content, then they will go back and spread the word to others.

2. Make it easy for users to recommend your site. Viral marketing is very important — and easy to tap on the Web. But give your users the tools. Get a Recommend this Site script from websites such as cgiscripts.com and similar directories of scripts. Some even go as far as giving incentives to those who recommend the site to their friends. If only 10 people go to your site, but these 10 people invite 10 more – that’s additional traffic that you get for FREE!

Recommend Site Scripts (various) http://php.resourceindex.com/Complete_Scripts/Website_Promotion/Recommend_Site/
Big Nose Bird Recommend this Site http://bignosebird.com/carchive/birdcast.shtml
CGI Resource Index http://cgi.resourceindex.com/Programs_and_Scripts/Perl/Website_Promotion/Recommend_Site/
Hostscripts http://www.hotscripts.com/PHP/Scripts_and_Programs/Site_Recommendation/index.html

3. Rank well in the search engines (organic search results, not the pay per click). SEs can be a big source of traffic. The key is to create the best content in your niche. If you have good content, other websites will gladly link to you and offer your site as a resource to their audience. Check the on-page factors and be sure to get linked from authority sites in your topic area.

If you are going to read only one piece on search engine optimization, I suggest you read Brett Tabke of WebmasterWorld.com’s “Successful Site in 12 Months with Google Alone: 26 steps to 15k a day.” http://www.webmasterworld.com/forum3/2010.htm

4. Send out press releases. While outfits charge as much as $650 per release, there are free press release submission places on the Web. Press releases allow you to (a) attract media attention; (b) get more back links to your website without sending each website an email request; and (c) get more visibility especially if your press release gets in Google News or Yahoo News.

Http://www.prleap.com/sign_up.html
http://i-newswire.com/
http://www.24-7pressrelease.com/
http://www.pressbox.co.uk/cgi-bin/links/add.cgi
http://www.pr.com/press-releases
http://www.prfree.com/
http://www.clickpress.com/releases/index.shtml
http://www.theopenpress.com/
http://www.przoom.com/
http://www.prweb.com
http://www.newswiretoday.com/
http://www.free-press-release.com/

5. Submit articles. Write articles and submit them to websites accepting author submissions. You get exposure for your business; establishes you as an authority in your field, and allows you to get backlinks for your website. If 50 websites publish your article and it contains a link back to your website, then you easily get 50 links from a single article. The more links you have, the greater your chances for increasing your search engine rankings.

Here is a comprehensive list of where to submit your articles http://answers.yahoo.com/question/;_ylt=AhzreGmnCUicOoyedqypscUjzKIX?qid=1006022407481

6. Improve your conversion. Getting visitors is one thing; getting them to buy your products is a whole different story. Read the article ” How To Sell More on the Web: 30 Tips To Increase Conversion Rates For An Ecommerce Site ” http://www.powerhomebiz.com/092006/ecommerce.htm for tips on how to improve your conversion rates.

7. Post a link to your site for free where it is allowed (always read the Terms of Use). Examples are:

Craigslist http://www.craigslist.com
Google Base http://base.google.com
Classifieds for Free http://www.classifiedsforfree.com/…
Text Link Exchange http://www.txtswap.com/
Recycler.com http://www.recycler.com/
Yahoo Classifieds http://classifieds.yahoo.com/
US Free Ads http://www.usfreeads.com/

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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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