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 Title Ix

Joseph asks…

What happened in the 1970s that caused major lines at the gas pump? Watergate Title IX Gulf War Energy?

What happened in the 1970s that caused major lines at the gas pump?

Watergate

Title IX

Gulf War

Energy Crisis because OPEC refused to ship oil to the United States

barry0912 answers:

OPEC refused to send oil because the US gave military supplies to Israel.

Robert asks…

Why do private colleges and universities comply with Title IX?

The text of the law says that it applies to schools receiving federal assistanceship. I didn’t think a school like BYU or Liberty or ORal Roberts would be receiving any, but they all have women’s teams and have had them for years.

barry0912 answers:

Even though an institution like BYU or Liberty does not accept federal funds to run its organization, it does allow it’s students to apply and receive federal student aid, such as Pell Grants and Federally guaranteed student loans. Because of this, these schools are required to comply with Title IX.

Also, I would guess that if a school was not complying with Title IX, it would not be allowed to compete in the NCAA against teams that do comply with Title IX.

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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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