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 Vii

Michael asks…

Compare and contrast disparate-treatment discrimination and disparate-impact discrimination, and Title VII�s r?

Compare and contrast disparate-treatment discrimination and disparate-impact discrimination, and Title VIIs response to each in the context of employment.

barry0912 answers:

Go to the official site

Donna asks…

Can An Employer Use Binding Arbitration Over EEOC Title VII Complaints?

Based on employer arbitration agreements, It is at least implied that an employee has no right to file a valid Title IV complaint with the EEOC.
I have seen two cases that have gone both was so there really is no president that I know of.
Has the Supreme Court or Congress made a decision on this?
This is the most recent story I could find on this issue. (4 yrs. old)
http://writ.news.findlaw.com/amar/20030221.html

barry0912 answers:

EEOC does not recognize prior arbitration agreements, so it makes no difference what an employer may or may not have implied. If you have an EEOC complaint, file it. You are protected by federal law from retribution when you file, by the way.

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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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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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