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 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 Title Insurance

Mary asks…

What is the purpose of title insurance and why do you need it?

I recently bought property and received the title insurance policy in the mail but it doesent seem to cover anything after reading the exceptions.

barry0912 answers:

There is no absolutely right answer for your question.Nonetheless,explorer the information here http://www.InsuranceFreeTip.info/insurance-for-free.htm might give you some ideas.HOpe it helps.

John asks…

Do I need to buy Title Insurance for my condo? What is the risk?

I am buying a condo in a new development and paying cash for it. I understand that mortgage lenders require title insurance, but that isn’t an issue here. I understand that the insurance is there for peace of mind to protect the large investment, but I don’t understand what the risk is, especially since the other 110 new condo owners in the building are likely going to purchase title insurance at the requirement of their lender. The Title Insurance company wants to charge $820 for ALTA Owners Standard Coverage.

barry0912 answers:

I don’t know about new construction, but I too, bought my sisters home for cash and I didn’t do a title insurance….My attorney advised me against it, but I know she didn’t have any liens on the property…..When we went to sell it, the buyers needed title insurance, for they were getting a loan and it came out clean….But I knew my sister and I know she has impeccable credit! I have to agree with the person that said, you don’t know if the builder may not have paid everyone, other contractors, who may come back and placed a mechanic’s lien….I would recommend it for this property…..BUY the insurance, you don’t know who you are dealing with….it just makes sense…

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