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 Degree

Carol asks…

What college should I go to, to get a art education degree?

I’m looking for the best universities that offer a good art education degree program.

barry0912 answers:

First, let me know where you are. But if you are willing to study here in the Philippines, I can recommend my school: De La Salle-College of St. Benilde.

Under the School of Design & Arts of this college, you can choose the following degree programs: (source is www.dls-csb.edu.ph)

Bachelor of Arts in Animation (ABANI)

The Animation program strikes a balance between commercial and fine art animation. It is a comprehensive program that focuses on three areas: 2D, 3D and experimental animation, and will train you in developing original Filipino content. It is the first program of its kind in the country.

Bachelor of Arts in Arts Management (ABAM)

The Arts Management program allows you to become proficient in art history, theory, and criticism as well as cultural programming and its resources, while learning design and arts management techniques and technologies.

Bachelor of Arts in Digital Filmmaking (ABDGFILM)

The Digital Filmmaking program combines motion picture production and broadcast arts with a strong understanding of the legal and financial workings of the film and television industries. You will undergo entrepreneurial training to encourage you to set up your own production studio or create independent features, short films, documentaries, music videos, or educational TV programs and shows. It is the first program of its kind in the country.

Bachelor of Arts in Multimedia Arts (ABMMA)

The Multimedia Arts program combines evolving areas such as digital media and the Internet with core skills such as communications, programming, and graphic design. You harness the power of the latest digital media technology. It is the first program of its kind in the country.

Bachelor of Arts in Music Production (ABMP)

The Music Production program focuses on the use of technology in the field of music. The program aims to elevate the fields of video and music scoring, jingle and commercial music writing, and popular composition/arrangement for local and international audiences and markets. It is the first program of its kind in the country.

Bachelor of Arts in Photography (ABPHOTO)

The Photography program establishes photography as a fine art and as a viable creative industry that keeps up with global standards in communication and information design and technology and is used as a medium for social change. It focuses on aesthetics and the development of creative photography skills, professional and business practices, and promoting ethical practices in the field. It is the first program of its kind in the country.

Bachelor of Arts in Production Design (ABPRD)

The Production Design program develops your skills and interests in designing sets, costumes and props for movies, commercials, television, theater, events and advertising. Studies in theoretical exercises are offered together with studio classes in drawing, drafting, computer-aided drafting and design, stagecraft, props-making, prosthetics, costume construction, and other related practical skills.

Bachelor of Arts in Technical Theater (ABTHR)

The Technical Theater program develops your knowledge and expertise in the technical requirements of theater, events, concerts and other live performances—from designing lights, manipulating sound, and overseeing and enhancing the technical aspects of a concert or stage production.

Bachelor of Arts major in Fashion Design and Merchandising (AB-FDM)

The Fashion Design and Merchandising program focuses on design development and philosophies, as well as production and marketing procedures, with the fashion business at the core.

Bachelor in Performing Arts major in Dance (BPA-D)

The Dance program is designed to transform dance into an expressive art form and a profession. It is offered in consortium with the Ballet Philippines-Cultural Center of the Philippines Dance School.

Bachelor of Science in Industrial Design (BS-ID)

The Industrial Design program trains you to design products that would make the everyday lives of people easier and fun. The program develops your design skills with practical aspects of ergonomics, function, marketing, manufacturing, and aesthetics as well as business-related concepts like entrepreneurship and management.

Bachelor of Science in Interior Design (BS-InD)

The Interior Design program program develops the mastery of interior space planning, as well as specifying interior elements, such as finishes and furnishings, that would lead to creating aesthetic and functional spaces. It is offered in consortium with the Philippine School of Interior Design (PSID).

Associate Degree in 3D Design and Animation

Associate Degree in Web Design and Animation

Lizzie asks…

What jobs can I get with a Bachelor’s in Entrepreneurship/Small Business Management degree?

I have been out of college for about two years now and have worked a lot of random jobs like receptionist, gym member specialist, personal home cook, etc… -the kinds of jobs I don’t need a degree for. I graduated with a degree that is probably more geared toward consulting than a skill related field. What other kinds of jobs should I apply for?
I have been out of college for about two years now and have worked a lot of random jobs like receptionist, gym member specialist, personal home cook, etc… -the kinds of jobs I don’t need a degree for. I graduated with a degree that is probably more geared toward consulting than a skill related field. What other kinds of jobs should I apply for?

My main passions are health, nutrition, psychology and public health.

barry0912 answers:

I find it ironic that you got a four-year degree in entrepreneurship/business management and didn’t mention anything concerning starting and running your own business. The brainwashing of us Americans into the template of automatically looking for jobs working for someone else is very strong. Unless, of course, you’ve already considered this and have no interest in this possibility.

As a business owner, you have total control of what you do and don’t do and your rewards when/if successful are virtually unlimited. And many businesses don’t require a lot of money to start. Plus it’s possible to get money in other ways other than out of your own pockets to start your business.

If you are interested, I would consider books written by Tyler G. Hicks. He has been writing books on this subject for many years (I recently got one with a copyright of 1966) and they are very good, IMHO. The only thing out of date seems to be the dollar examples he uses based on all the inflation over the years. He is still in business today. A number of people ding his books in reviews because he doesn’t take you through the whole process step by step and sometimes plugs his other materials, but I like him. I can virtually guarantee you’ll learn from his books. A true entrepreneur doesn’t need hand-holding. Just info, guidance, encouragement and options. I recently ordered a book of his entitled, “How to Build a Second Income Fortune in Your Spare Time” with a copyright of 1965, that I would very highly recommend to you in spite of its age. I’m only up to page 75 so far but it’s very, very good. I’m very glad I bought it.

I would suggest you go to Amazon.com or some other used book sellers on the internet and see if any of his books interest you and possibly get some ideas going in your head in the fields you are most interested in.

In school did you take coursework in business formation, business law, marketing and advertising? There are many good books on these subjects and I would use the reviews on Amazon.com to find the best ones to help you. Other business books on the subjects of interest and need to you to help you be super successful should also be considered. To look for good books on legal issues and the mechanics, I’d consider Nolo.com as an initial place to look. Their books are most often high quality, although some are of course better than others.

I am presently working on starting a nonprofit. It’s pretty hard to get fired when you’re the owner of the company. Plus, you can work at any job within your company as you desire. And switch around whenever you like. Or stay small and do it all. Or start off small and expand as you need or desire to. You can also start your business part-time while working a regular job until you start making way more money in your own business. Plus you can have more than one small business going at the same time if you’re so inclined.

My opinion is it’s pretty hard to beat the advantages and potential of the job of business owner. No matter what you do, it will build on your degree and experience in your field. That’s my suggestion.

Good luck, Lala. 🙂

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Your Questions About Low Cost Pet Vaccinations


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James asks…

Is it okay to get shots for our puppy at a pet store?

She’s 11 weeks now and hasn’t gotten any of her shots yet. The pet store is called Pet Market. Every Sunday they have Pet Network Low Cost Pet Vaccination Services held at the store.

They have a handout with information and a site:
http://www.petnetwork.us

Also, what shots should she be getting at 11 weeks? Including what she should have gotten earlier. She’s a chow chow and golden retriever mix. Thank you!

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barry0912 answers:

Seems kind of high to me in price.i get all my dogs shots for $36 each…

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Chris asks…

I am looking for free or low cost pet care for my cat in the Los Angeles Ca. area,?

I am not able to work at this time and I need to get some medical care for my cat, he was a stray and has an eye problem and his ears are bothering him, he also needs to get his vaccinations, he had a broken leg when I got him and was very undernourished. I would really appreciate whatever help you may be able to give me. I am over 60 and alone and he is my companion, I love him very much. God Bless, and thank you.

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barry0912 answers:

Hi Daisy…consider contacting some of the area shelters in LA and ask them who offers discounted veterinary care for senior citizens.

Here’s one for vaccinations: http://www.pets90210.org/petinfo_shelter.asp
Vaccinations – Low-cost vaccination clinics are offered year-round at locations throughout the City. Clinics provide inoculations against rabies and other dog and cat diseases. For 24-hour information, call (213) 89-8566.

American Animal Hospital Association
http://www.aahahelpingpets.org/home/
“The heartbreak happens all too often…a pet owner is unable to afford treatment and their sick or injured companion animal pays the price. If the owner is elderly, disabled or on a fixed income, the cost of care may be too much of a stretch for their pocketbook.
Perhaps they have been victimized by crime, property loss or a job layoff and are experiencing a temporary financial hardship…making it too difficult to afford pet care.
And some animals, brought to clinics by Good Samaritans, don’t have an owner to pay for treatment. Whatever the situation, the fact remains the same: When sick or injured animals are unable to receive veterinary care, they suffer. Through the AAHA Helping Pets Fund, veterinary care is possible for sick or injured pets even if they have been abandoned or if their owner is experiencing financial hardship.”

Angels 4 Animals
http://www.angels4animals.org/
“Angels4Animals, a non-profit organization and a program of Inner Voice Community Services, has a mission to serve as the guardian angel of animals whose caretakers find themselves in difficult financial situations. At Angels4Animals we believe that animal owners should not have to say goodbye to the animals that they love. Our work is accomplished in conjunction with veterinary clinics across the country, eager to assist as many animals, and their owners, as possible. Our services range from financial aid to complete treatment to those pets and pet owners in need.”

Los Angeles area:
Actors and Others for Animals is a Southern California community-based organization serving the greater Los Angeles area. Among other services, the organization provides financial assistance for emergency medical procedures for those of limited income.
Http://www.actorsandothers.com/emergencyhelp.html

Special Needs cats
Cats in Crisis:
http://www.catsincrisis.org/crisisFund.html

Cats – Heart and Thyroid
Cats in Crisis Stripes Fund
http://www.catsincrisis.org/stripesFund.html

Cats – Neurological conditions and mobility impairments
Cats in Crisis Gillie Fund
http://www.catsincrisis.org/gillieFund.html

United Animal Nations established the LifeLine fund in 1997 to aid companion animals in times of life-threatening emergencies when their caregivers, with low or no incomes, are unable to afford the entire cost of treatment.
Http://uan.org/lifeline/index.html
United Animal Nations
P.O. Box 188890
Sacramento, California 95818
Telephone: (916) 429 2457 fax: (916) 429 2456

Help-A-Pet is a nonprofit organization which provides financial assistance for the medical care of pets whose owners are unable to afford the expense
http://www.help-a-pet.org/home.html
Help-A-Pet
P. O. Box 244
Hinsdale, Illinois 60521
telephone: (630) 986-9504 fax: (630) 986-9141

Feline Veterinary Emergency Assistance Programs provides financial assistance for emergency medical care for cats.
Http://www.fveap.org/sys-tmpl/door/
FVEAP
1641 Elizabeth Lane
Yuba City, CA 95993
Fax: 888-301-4264

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Specs on the 2011 Malibu Check this thing out
Entertainment
Audio system AMFM stereo with USB port CD player and MP3 playback seek-and-scan digital clock auto-tone control Radio Data System RDS automatic volume TheftLock auxiliary input jack and 36 cross-band presets Audio program function Bose top quality audio program XM Radio is standard on almost all 2011 GM models and consists of 3 months of trial company. Get over 170 channels such as- commercial-free audio sports news speak enjoyment comedy family members and kids channels and significantly a lot more. With XMs amazing assortment of programming everything really worth listening to is on XM Demands a subscription sold individually by XM immediately after the very first 90 days. Offered only in the forty eight contiguous United states and District of Columbia. Pay a visit to gm.xmradio.com for details. Bluetooth for phone private mobile phone connectivity to car audio method and HMI Human Machine Interface Steering wheel controls mounted audio controls
The attributes and options outlined are to the 2011 Chevrolet Malibu LTZ and could not utilize to this particular vehicle. Exterior
Wheels 18 45.seven cm 10-spoke vivid complete aluminum Tires 18 45. Collegesexe 7 cm touring blackwall Tire sealant and inflator kit in place of spare tire Deleted when ZFH compact spare tire is ordered. Fascia front body-color with integral fog lamps Fascia rear body-color with chrome license plate bezel Moldings body-color rocker with bright inserts Grille Silver with chrome surround Headlamps halogen composite with crystalline-like lenses and automated exterior lamp control Fog lamps front integral in front fascia Tail lamps LED illumination Mirrors outside heated power-adjustable body-color manual-folding Glass acoustic laminated Glass Solar-Ray light-tinted Window trim vivid aspect Wipers front intermittent variable speed-sensitive Door handles chrome
The capabilities and selections detailed are to the 2011 Chevrolet Malibu LTZ and may perhaps not use to this distinct car. Inside
Seats front bucket with leather-appointed seating reclining seatbacks and adjustable outboard head restraints Seats heated driver and front passenger Seat rear 6040 split-folding seatback Seat adjuster driver 8-way energy Seat adjuster passenger 6-way energy Seat adjuster driver energy vertical height Seat adjuster driver power lumbar handle Console floor with flooring shifter integral sliding armrest and twin storage compartment Flooring mats top quality carpeted front and rear Sill plate vibrant accent Steering column tilt and telescopic Steering wheel 3-spoke leather-wrapped with mounted cruise controls TAPshift handbook shift control on shift knob Instrumentation analog with speedometer engine temperature fuel tachometer and PRNDL Driver Details Center with driver customization warning messages and automobile data which includes outdoors temperature show trip odometer and programmable menu capabilities Windows energy with driver Express-Down and Up and rear passenger lockout Door locks energy programmable with lockout safety and delayed locking Remote vehicle starter program includes enhanced Remote Keyless Entry Cruise manage electronic with set and resume velocity Trunk release energy interior Theft-deterrent alarm program content material theft alarm Theft-deterrent system vehicle PASS-Key III Air conditioning single-zone automatic environment handle Defogger rear-window electric Cup holders twin front and rear Power shops two auxiliary Mirror inside rearview auto-dimming with 8-point compass display Visors driver and front passenger illuminated vanity mirrors covered Lighting inside with front studying lights Lighting inside rear reading lights Lights ambient front inside door handles Shift knob leather-wrapped Map pockets driver and front passenger seatbacks Window shade backglass handbook roll-away in rear shelf panel Power Middle rear includes a 110-volt AC adapter with 3-prong outlet Trunk mat carpeted
The functions and selections detailed are for your 2011 Chevrolet Malibu LTZ and may possibly not use to this precise automobile. Mechanical
Motor ECOTEC two.4L DOHC 16-valve 4-cylinder Variable Valve Timing MFI utilizes gasoline only 169 hp 126.0 kW 6400 rpm 160 lb-ft of torque 216.0 N-m 4500 rpm Normal for Retail order kinds in all states. Regular for Fleet or Government buy sorts ordering YF5 or NE1 emissions. Not offered for Fleet or Government purchase types in Federal emissions states. Transmission 6-speed automatic electronically controlled with overdrive Front wheel generate Battery maintenance-free with rundown protection Suspension 4-wheel impartial Steering Electrical Power Steering EPS help infinite help for reduced and higher velocity maneuvers Brakes 4-wheel antilock 4-wheel disc Exhaust tip chrome
The characteristics and alternatives listed are for your 2011 Chevrolet Malibu LTZ and may not utilize to this precise vehicle. Security
StabiliTrak stability handle system with brake assist includes Traction Handle Daytime Running Lamps Air bags dual-stage frontal and thorax side-impact driver and front passenger and head curtain side-impact front and rear outboard seating positions consists of Passenger Sensing Program Head curtain aspect air bags are developed to help lower the threat of head and neck accidents to front and rear seat outboard occupants on the close to aspect of specific side-impact collisions. Always use safety belts and the correct youngster restraints for the kids age and measurement. Even in vehicles equipped with air bags plus the Passenger Sensing System youngsters are safer when effectively secured in a rear seat inside the proper infant youngster or booster seat. Never place a rear-facing infant restraint in the front seat of any car equipped using an energetic frontal air bag. See the Owners Manual and kid security seat directions for extra safety information and facts. Automatic Crash Response OnStar six months of Directions and Connections program includes Automated Crash Reaction Emergency Solutions Crisis Help Stolen Car Help Remote Door Unlock Turn-by-Turn Navigation with Destination Down load demands navigation radio and OnStar eNav where offered OnStar Automobile Diagnostics Roadside Help Remote Horn and Lights and Arms Free of charge Calling. Check out onstar.com for details and technique limitations. Stolen Automobile Assistance OnStar Car Diagnostics Security belts 3-point all seating positions consists of front seat pretensioners LATCH program Reduce Anchors and Top tethers for Youngsters for little one security seats Door locks rear child safety Trunk emergency release manage Tire Stress Keep track of
The capabilities and possibilities detailed are for that 2011 Chevrolet Malibu LTZ and may not utilize to this precise car. Guarantee
Standard- 3 Years36000 Miles Drivetrain- 5 Years100000 Miles Corrosion- 3 Years36000 Miles Rust-Through six Years100000 Miles Emissions- Gasoline Motor 2 Years24000 Miles Short Expression California three Years50000 Miles Roadside Help- 5 Years100000 Miles
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