Why You Need Title Insurance

Protecting your Home Investment

A home is usually the largest single investment any of us will ever make. When you purchase a home, you will purchase several types of insurance coverage to protect your home and personal property. Homeowner's insurance protects against loss from fire, theft, or wind damage. Flood insurance protects against rising water. And a unique coverage known as title insurance protects against hidden title hazards that may threaten your financial investment in your home.

Protecting Your Largest Single Investment

Title insurance is not as well understood as other types of home insurance, but it is just as important. You see, when purchasing a home, instead of purchasing the actual building or land, you are really purchasing the title to the property – the right to occupy and use the space. That title may be limited by rights and claims asserted by others, which may limit your use and enjoyment of the property and even bring financial loss. Title insurance protects against these types of title hazards.

Other types of insurance that protect your home focus on possible future events and charge an annual premium. On the other hand, title insurance protects against loss from hazards and defects that already exists in the title and is purchased with a one-time premium.

Two Kinds of Title Insurance Benefit You in Two Ways

There are two basic types of title insurance:

  • Lender or mortgagee protection,
  • Owner's coverage.

Most lenders require mortgagee title insurance as security for their investment in real estate, just as they may call for fire insurance and other types of coverage as investor protection. When title insurance is provided, lenders are willing to make mortgage money available in distant locales where they know little about the market.

Owner's title insurance lasts as long as you, the policyholder – or your heirs – has an interest in the insured property. This may even be after you have sold the property.

Depending on local practices and state law where the property is located, you may pay an additional premium for an owner's policy or you may pay a simultaneous issue charge – usually a smaller amount – for the separate lender coverage. You may even split settlement costs with the seller for the lender or owner's policy.

What does Your Premium Really Pay For?

An important part of title insurance is its emphasis on risk elimination before insuring. This gives you, as the policyholder, the best possible chance for avoiding title claim and loss.

Title insuring begins with a search of public land records affecting the real estate concerned. An examination is conducted by the title agent or attorney on behalf of its underwriter to determine whether the property is insurable. The examination of evidence from a search is intended to fully report all "material objections" to the title. Frequently, documents that do not clear transfer title are found in the "chain," or history that is assembled from the records in a search. Here are some examples of documents that can present concerns:

  • Deeds, wills and trusts that contain improper word or incorrect names;
  • Outstanding mortgages and judgments, or a lien against the property because the seller has not paid his taxes;
  • Easements that allow construction of a road or utility line;
  • Pending legal action against the property that could affect a purchaser; Egypt
  • Incorrect notary acknowledgments.

Through the search and the examination, title problems are disclosed so they can be corrected whenever possible. However, even the most careful preventive work can not locate all hidden title hazards.

Hidden Title Hazards – Your Last Defense

In spite of all the expertise and dedication that go into a title search and examination, hidden hazards can emerge after closing, resulting in unpleasant and costly surprises. Some examples of hazards include:

  • A forged signature on the deed, which would mean no transfer of ownership to you;
  • An unknown heir of a previous owner who is claiming ownership of the property;
  • Instruments executed under an expired or a fabricated power of attorney; Egypt
  • Mistakes in the public records.

Title insurance offers financial protection against these and other covered title hazards. The title insurer will pay for defending against an attack on title as insured, and will either perfect the title or pay valid claims. All for a one-time charge at closing.

Your home is your most important investment. Before you go to closing, ask about your title insurance protection, and be sure to protect your home with an owner's title insurance policy.

All About Online Shopping

Identification

The process of online shopping is really easy. It allows people to shop for products and services from the comfort of their own home with the help of a computer and internet connection. A person can visit an online retailer and purchase an item with their credit card. The products or services are then delivered to the address that was provided. With a growth of 33% in 2005, online shopping is continuing to gain popularity all over the world.

Benefits

There are a number of benefits attached to online shopping. The most important advantage is that of convenience. Customers can buy whatever they want during breaks at work or while they are at home without going into crowded malls. Online shopping allows people to shop at any time of the day. One can also book mark a page and come back when they think that the time is right without feeling rushed.

Warning

Always make sure that you are shopping on websites that are legit. You can do so by looking up their names in the Better Business Bureau database. Be careful of phishing. Make sure that the website is secure by ensuring that the address starts with ‘https’. Only give out information about your credit card once you are sure that it is secure. Try and use a credit card as opposed to a debit card or checking account as it is easier to have the theft stopped as compared to the other two alternatives.

Considerations

Don’t get carried away with the cheap rates that you are getting online, as they may pad up process in the shipping. So, be careful and ensure that you double check the shipping rates and compare them with postal rates from UPS, Unites States Postal Service or FedEx. Also, make sure that you do not over pay your shipping charges and look for other details like cancellations, return policy etc. Make sure that you have the contact information of the online retailer in case you have any questions or want to track your shipment.

Types

Today, you can buy absolutely anything online. People buy groceries, food products, medicines and even herbal remedies. The most popularly bought products online are books. According to an online article by Nielsen in January 2008, 41 % of internet users bought books online. Clothing, DVDs, electronics, games and tickets are a few other things that are popularly bought through the online medium.

What is Internet Marketing? Define Internet Marketing

What is Internet Marketing? In broad terms Internet Marketing refers to promotion of commerce or business through the Internet medium. It is the way in which products or services are promoted and sold over the Internet. Internet marketing, also called web marketing, online-marketing and even “i” or “e” -Marketing uses the Internet to deliver all types of media to a global and even local market. The relatively low cost to disseminate information to a global audience makes it very unique compared to marketing of the past.

The interactive nature of the Internet has forced the evolution of its marketing strategies to include specialist skills to deal with the instant response and eliciting responses now present with this unique medium. A device must be included in your Internet marketing system to accommodate this instant response.

The term is also inclusive of the post-sale relationship between a business and its customers because it encompasses digital customer data management and electronic customer relations. It is widely used in the business world today and referred to as ECRM – Electronic Customer Relationship Management. This makes the scope larger as it refers to the on-going relationship supported by the Internet, e-mail, and wireless media.

Internet marketing ties together the technical and creative aspects of the Internet including design, branding, promotion and advertising, as well as sales. Here are three main objectives to help define Internet Marketing:

(1) Deliver a company’s message or presence in a marketplace. Branding its culture, mission and value as well as educating or detailing its products or service via the computer screen.

(2) Collect data research not limited by demographics, individual preferences or past requirements of both existing customers and (different groups, classes, stereotypes, etc.) as potential new customers.

(3) The actual selling, collection of fees, tracking of distribution and follow up of goods, services, or advertising space over the Internet.

The way in which one reaches out via the Internet to its prospective client is through different strategies. The more popular Marketing Strategies utilized by Internet Marketers are Social, Content and Paid marketing approaches. Each has their own attributes as well as limitations or short-comings.

There are several Business Model terms associated with Internet Marketing.

E-COMMERCE (electronic-commerce) refers to business over the Internet. Web sites such as Amazon.com and eBay are all e-commerce sites. The two major forms of e-commerce are Business-to-Consumer (B2C) and Business-to-Business (B2B). So, while the neighborhood baker doesn’t sell his cupcakes on the Internet, he utilizes the benefits of the Internet to search and find the supplier with the best price for flour.

LEAD-BASED WEBSITES are organizations or groups of websites that create value by capturing prospective clients or sales leads from the Internet to be utilized by or sold to a third party.

AFFILIATE MARKETING is a process in which a product or service is promoted by many people or entities that receive a percentage of the profits when the product is purchased. The Affiliate did not develop or produce it themselves. The owner or producer of the product has authority over whom and how their product is sold and customarily provides the “affiliate” with marketing materials; i.e. Website links, capture pages, and banner ads that have encoded tracking – the device used to ensure the affiliate gets credit for the sale.

LOCAL INTERNET MARKETING is the process used by a company with a “local customer base” that traditionally sells by warm market referrals, signage, location visibility, and utilizing the Internet to find and cultivate relationships with potential customers to later interact with offline.

BLACK HAT MARKETING is a form of Internet marketing or search engine optimization (SEO) commonly referring to the practice of using unethical techniques or employing deceptive, abusive, or less than truthful methods to make your search rankings go up to drive more traffic to your website.

The birth and growth of Internet marketing has also made a mark on the “personal worlds” of many individuals. With Internet Marketing offering individuals infinite ways to promote and market themselves, products, services and opportunities, the world of home-based-business has exploded.

Initially for the person that desires to capitalize on this medium for their own person commerce, Internet Marketing can be confusing or even overwhelming for most. Each method seems to have its own language to decipher and obstacle to overcome. A system or platform to manage all of these strategies can be very useful if it includes support training. It’s best to only choose 1 or 2 initial strategies to focus on at one time. The best strategy for one person may not be the best strategy for you. Most important is that you discover the strategy that you like most and are comfortable performing. If you enjoy the process you will be certain to be better at it. And the better you are at it, the more likely you’ll become consistent with its implementation. You will find that the strategy you choose is much less important than your ability to do it consistently in order to achieve results.

I agree it can seem overwhelming at times, but actually the process can be quite simple if you focus on just one strategy at a time. There are unlimited training courses, Internet tools, websites and programs to help you be more effective and efficient in each category or strategy you choose. Having someone to help guide you through the process, pointing out which tools and programs offer the most help, not only will save your sanity, but also can save you hundreds of hours and thousands of dollars in the process.

Pros and Cons of Watching Television

Many of us love watching TV especially during our free time and if we do not have anything to do. We like watching TV while eating our favorite snacks or hanging around in a friend's place. Either way we are entertained when we watch TV. There are many different programs we can watch on TV depending on our mood and our personality. Some love watching comedy and talk shows while others particularly kids and those who are young at heart love watching cartoons on Cartoon Network or Disney channel.

But then, watching TV has its advantages and disadvantages. Experts say that too much watching of TV especially among children is not good for the health and the mind. TV can be entertaining and informative yet at times it can be damaging and harmful.

Below are the Pros and Cons of watching TV.

Pros:

1.) Entertainment and Laughter
We are entertained by shows we love to watch. We laugh at things we find funny and comical in the TV program we are watching. We also love to dance or sing along with celebrities we see on TV and some of us even copy their dance moves and singing styles.

2.) Information and How-To
We learn a lot of information about places and people that we usually do not learn on magazines, books, and newspapers. There are travel shows that show us beautiful places in the world and inform us the culture of different countries which can be a great help especially if we are planning to travel. We also easily learn how to cook new recipes by watching cooking shows and we can learn doing some other stuff through programs that show step-by-step procedures of performing a particular work, exercise or other interesting stuff.

3.) Improve Memory and Easy Learning
We usually take note of the time schedule for our favorite programs especially if it is only shown once or twice a week. We tend to store and recall the things that recently happened in our favorite show before the next episode will be shown on TV. This will help enhance our memory which we can apply on our daily life. For children, it is easier to learn math, science, alphabet and other subject matters if someone can show them how to do it like counting, identifying objects and a lot more. Educational TV shows are available for children to watch and learn.

4.) Bonding With Family and Friends
Watching TV is a great way to bond with family and friends especially on weekends. You can laugh and discuss things that you see on TV. That can be really fun.

5.) Awareness and Alertness
Weather reports and current news on different parts of the worlds can make you aware of what is happening outside your country. You can also be alert when there is an incoming typhoon in your area and that can help you get prepared.

Cons:
1.) Decline in creativity and imagination.
TV shows including commercials have a tendency to share their creative works on us and apart their ideas and opinions on us which is not favorable and can lead to a decline in our creativity and imagination since we can not think on our own since creative things are readily available And shared to us.

2.) Health problems
We usually eat junk foods or any of our favorite snacks while watching TV. This is not good for our health because we tend to eat a lot while we are sitting down facing the television. This can lead to obesity since we do not move a lot when we watch TV. This can also lead to other serious ailments caused by eating a lot and moving less.

3.) Makes people lazy
Most of us get hooked when watching programs of our favorite TV channel. We sometimes even forget to do our work or other important things because we got engaged in the show we are watching. Some people forget to do their household chores because they would rather watch TV than work.

4.) Some shows do not teach good values.
There are TV programs that do not teach good values ​​particularly to children. Instead of teaching them good deeds they even imitate, re-enact or spoof important things happening around us which is not good for children to watch.

To sum up, in watching TV you should choose and monitor the TV programs that you and your children should watch. Choose programs that can help you learn and grow as a person. You should also limit the time your children spend in watching TV. The maximum number of hours small kids should watch TV is 3 hours while for teenagers you should make sure they watch good shows only when they are done with homework and projects.