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

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 Internet Marketing Services

Carol asks…

Where is the best place to advertise for Virtual Assistant Services?

I have recently set up a virtual assistance company with a team of 5 virtual assitance who can do literally anything which is web based or pc based. The problem, where do i advertise and how do i market for this service. How do find clients?

barry0912 answers:

Marketing is key to your service, as with any business. As you’re geared for working on the web and with PC’s, make full use of the internet for marketing. Make sure your site is optimised for the search engines. Become involved in sites/blogs/directories that relate to your target market.

Networking groups are a good way of meeting business people who need help with the things that a Virtual Assistant can do.

Are you UK based? Business Link and Chambers of Commerce both run regular events.

Please feel free to contact me for information on other groups in the UK

Good luck!

David asks…

What is the greatest obstacle to finding an internet marketing mentor?

One of the things that the majority of folks most often misunderstand about finding an internet mentor to help them out is they tend to think they have to pay enormous sums of money for a consultant, a coaching program or some other such thing…do you find this to be the case?

barry0912 answers:

There are really two sides to this coin with a variety of hungry vultures hanging out on each.

FREE ADVICE
Ever hear the old adage that you get what you pay for? To a certain extent it’s true. However, you will indeed find many sites that offer free advice. The problem is, unless your a smart Internet Marketer your not going to know the good advice from the bad. What’s worse, since you are needing the advice it’s likely that you have not gained all the wisdom you are looking for yet. This ends up being a vicious circle with no real end.

That’s why SEO & Beyond provides a free website analysis for anyone who asks (at least they do as of this writing). They believe that doing so goes beyond advice into actively participating in the lives of those who are looking to use their service.

You can check out more about that at the following link.
===> http://search-engine-optimization-and-beyond.com/A-simplemachinesforum/index.php?topic=36.0
I was quite pleased with the review they gave my http://commit2fit.info website.

PAID ADVICE
If you are going to have someone train you to be a successful Internet Marketer, then find someone willing to give you some type of guarantee.

“If our system doesn’t work for you, then you don’t pay a dime!”

It’s a gutsy approach to be sure. But it goes beyond the idea of pay us all your money and you will be a success approach. With this method you don’t know if you are being sucker punched or not and all you have to show for it in the end will be absolutely nothing.

I do know that there are indeed many people out there willing to provide a ton of advice if you pay them. I don’t know if anyone has the guts to work by the above approach. If I did I would probably sign up for their course in a second. When paying for a mentor or what not the heavy burden for success should be on the shoulders of the one providing the assistance rather than the one paying the bill.

THE MORAL
Pay for a mentor if and only if the mentor believes in their services enough to give you an awesome guarantee otherwise stick with the free advice; or better yet free website reviews.

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Smash Hit – Mediocre AB

Mediocre AB - Smash Hit artwork

Smash Hit

Mediocre AB

Genre: Games

Release Date: March 6, 2014


Take a surreal journey through an otherworldly dimension, move in harmony with sound and music and smash everything in your path! This experience requires focus, concentration, and timing to not only travel as far as you can, but also break the beautiful glass objects that stand in your way.

* Smash your way through a beautiful futuristic dimension, smashing obstacles and targets in your path and experiencing the best destruction physics on mobile devices.

* Musically synchronized gameplay: music and audio effects change to suit each stage, obstacles move to each new tune

* Over 50 different rooms with 11 different graphic styles, and realistic glass-breaking mechanics in every stage

© © Mediocre AB