The quickest definition of title insurance is that it is insurance to protect a lender or owner against loss in the event of a property ownership dispute.
I did not feel that this definition really encompassed exactly what title insurance is, so I asked Terry Monnie at Classic Title to help me out with a more complete definition:
Title Insurance insures either the lender or the owner against things that happened with that property’s title in the past (unlike other forms of insurance such as health or life insurance which provide coverage for future sickness or death). That is, on the date the commitment for title insurance is issued, the title insurance purchaser is protected against the hundreds of title defects that may or may not affect the insured property.
There are two primary forms of title insurance: a lender or mortgagee policy and an owner’s policy.
The lender or mortgagee policy protects the lender in an amount up to the principal loan amount. This coverage declines as the loan balance declines and is accordingly less expensive than an owner’s policy.
The owner’s policy will protect the purchaser/owner of the property up to the sale/purchase price, or more if improvements are contemplated
Both types of policies are one time premiums (you only pay once and it is good for life). There can be savings if the owner’s policy is purchased at or within 30 days of the closing.
In Ohio, all title insurance premiums are established by the Ohio Department of Insurance and no title agent can charge more or less for the premiums, even though other related charges may differ (e.g. title exam fees, etc.).
In a nusthell, it is an insurance policy that protects the policy holder against any problems that may surface with regards to previous owners on title for that particular property.
Resources:
Monday, August 6, 2012
Friday, August 3, 2012
I want a red ryder!
When I was a kid, we had a BB gun in
the house, which if my father was in a good mood, I’d get to shoot. We’d go out
into the wide open area behind our house and aim at beer cans or pieces of
wood, and I’d see if my aim had improved from the last time I had picked up the
gun. Airsoft guns are fun to use when you live in those wide open spaces, and
the air rifles on PyramydAir.com look a lot like the old BB gun we had in the
house. From time to time, even my father would pick it up, usually to aim it at
some sort of varmit. Those old style air rifles always remind me of the movie,
The Christmas Story, where ALL Ralphie wants for Christmas is that Red Ryder
gun, and all those adults try to change his mind. Remember when a BB gun was
THE gift to give a 10 or 11 year old boy? Those were the days, huh?
Heck, I wouldn’t mind having my own
now, to protect me from all the people who ring my doorbell all day trying to
sell me stuff. HA! (And I could save 5% on my purchase at the site!)
Welcome to our San Diego site!!!
For years we have provided our
customers with detailed market data and analysis concerning the Central Florida
real estate market (with emphasis on Polk County). We offer customized reports
pertaining to the specific real estate interest of our customers. Some of the
information contained in these reports is general and subjective in nature,
making it well suited for the blogosphere. Thus, The purpose of this blog is to
provide continuous relevant real estate information to our clientele and to
create an opportunity for pertinent dialogue. Given the size and scope of the
Central SD real estate market and the volatility of our time, we invite
all those with related knowledge to participate in this information/idea
exchange.
Moving from MT to WP?
This is for a move from MT to WordPress. I can also do moves to/from other blog software, prices may vary. Just ask!
1). Install WordPress, including setting up a new database (or insuring WP won’t mess up your old one if you are on a host that doesn’t allow multiple databases), uploading and running the install and setting you up a cron-based daily database backup if your server allows (I just throw that in because it can save your butt – it did mine once – and almost no-one does them). $15, unless you are on a host with a really odd setup.
2) Moving the database: $20 for the first 1,000 posts, $5 for each extra 1,000 (or portion thereof – though I won’t charge extra for a few over). That’s because I have to make sure the database (both comments and posts) is ‘clean’ of things that can mess up export/import. So the bigger the database, the longer it takes. I’ll throw in the necessary .htaccess redirects from MT to WP (if possible, if you aren’t using MT default links, it may not be without redirecting each page), and a plugin to help with category redirects. I also use my own export/import method to make sure post ID#s remain the same.
3) Translating your design to WP, straight out. $15. New design… depends on how fancy you want to get. Use of the default WP style or one of these styles is no charge. Note that using the default or one of these designs means that you get to put all your links and suchlike into the template. All I do is setup a default page.
4)I’ll also install extra plugins, for anything from $2 to $5 each, depending on whether they are ‘plug and play’ or need some reconfiguring of templates. If I have to write a plugin just for you, we’ll negotiate…
1). Install WordPress, including setting up a new database (or insuring WP won’t mess up your old one if you are on a host that doesn’t allow multiple databases), uploading and running the install and setting you up a cron-based daily database backup if your server allows (I just throw that in because it can save your butt – it did mine once – and almost no-one does them). $15, unless you are on a host with a really odd setup.
2) Moving the database: $20 for the first 1,000 posts, $5 for each extra 1,000 (or portion thereof – though I won’t charge extra for a few over). That’s because I have to make sure the database (both comments and posts) is ‘clean’ of things that can mess up export/import. So the bigger the database, the longer it takes. I’ll throw in the necessary .htaccess redirects from MT to WP (if possible, if you aren’t using MT default links, it may not be without redirecting each page), and a plugin to help with category redirects. I also use my own export/import method to make sure post ID#s remain the same.
3) Translating your design to WP, straight out. $15. New design… depends on how fancy you want to get. Use of the default WP style or one of these styles is no charge. Note that using the default or one of these designs means that you get to put all your links and suchlike into the template. All I do is setup a default page.
4)I’ll also install extra plugins, for anything from $2 to $5 each, depending on whether they are ‘plug and play’ or need some reconfiguring of templates. If I have to write a plugin just for you, we’ll negotiate…
Notice
I’m going to upgrade this site so it may be a tad wonky for a little while.
I’ve saved this page in static format so it should work but some of the links may have problems. Since all of the posts are on the front page, if you are looking for payment buttons or service info, just scroll down.
[update] Back to normal, though there are a few things on the design that still need tweaking.
Clean your comments, sir or ma’am?
I’ve got a WP client who I have admin access to and had left my own email address in the admin section. So, needless to say, I get the moderation queue notifications. Recently, that blog has been getting postively harrassed by permutations on one theme. They all go to something-top-pharmacy (dot net), and I’ve seen hundreds of permutations of it. It was this particular client who inspired me to go and change the moderation.php to make it check ‘delete’ by default, instead of ‘do nothing’. I got tired of clicking.
So, I did a search for this bottom-feeding-scum-pharmacy along with the term “comment spam” to see if anyone had gotten tired enough of them to come up with some sort of block (from the site, not just via a blacklist or moderation queue). Didn’t find any, but boy did I find blogs, mostly MT blogs, with lots and lots and lots of comment spam they’d never gotten rid of.
So, I’m offering a new service. Call it “blog cleaning lady, if you will". If you have a blog with spam problems, or know someone who does, please read on. And if you like the idea, please link, so I don’t get tempted to start spamming blogs with ‘remove your spam’ offers. :P
I’ve saved this page in static format so it should work but some of the links may have problems. Since all of the posts are on the front page, if you are looking for payment buttons or service info, just scroll down.
[update] Back to normal, though there are a few things on the design that still need tweaking.
Clean your comments, sir or ma’am?
I’ve got a WP client who I have admin access to and had left my own email address in the admin section. So, needless to say, I get the moderation queue notifications. Recently, that blog has been getting postively harrassed by permutations on one theme. They all go to something-top-pharmacy (dot net), and I’ve seen hundreds of permutations of it. It was this particular client who inspired me to go and change the moderation.php to make it check ‘delete’ by default, instead of ‘do nothing’. I got tired of clicking.
So, I did a search for this bottom-feeding-scum-pharmacy along with the term “comment spam” to see if anyone had gotten tired enough of them to come up with some sort of block (from the site, not just via a blacklist or moderation queue). Didn’t find any, but boy did I find blogs, mostly MT blogs, with lots and lots and lots of comment spam they’d never gotten rid of.
So, I’m offering a new service. Call it “blog cleaning lady, if you will". If you have a blog with spam problems, or know someone who does, please read on. And if you like the idea, please link, so I don’t get tempted to start spamming blogs with ‘remove your spam’ offers. :P
spam spam spam
Quick fix for trackback spam on WP. Rename your wp-trackback.php to something like wp-trackback.php.txt so they can’t find it, and so it won’t run even if they do.
I’m testing some more complex fixes/blocks so I’d really appreciate getting trackbacks for testing, especially from people using blog software other than WordPress. Mail me: blogmeister at this site (you can figure it out) if your trackback doesn’t get through. Thanks much!
PS… I’m doing trackbacks to a few others who have been hit… that I’ve been helping out. You guys can delete this. I’m just doing it to be sure I haven’t killed your trackbacks or anything.
[last update, I hope] IF you understand htaccess redirects, there is a zip file here that has some tricks that should help, along with explanations. If you do NOT understand htaccess redirects, please ask someone who does know to help. If you are one of my bloghouse clients, or an ex-client with another host who has lazily left me with access, I may have already updated your htaccess file. And I will be trying to get to everyone I can. If you are using front page, I have no idea how to do anything with htaccess without blowing up FP. I’m told it’s possible but I don’t know how to do it.
If you can’t handle zip files for some reason, mail me and I’ll send it to you in text. (Trying to keep bots and spiders away from it, even though the info is available elsewhere, the longer it takes them to find out what is going on, the longer it takes them to find another way to get through. )
Update, WP users who don’t understand htacess or can’t use it because of your host, check the spampop plugin at Candy Genuis’ site. She also has modified Drupal’s comment module to do the same thing, Drupal users may want to ask for a copy of that module.
I’m testing some more complex fixes/blocks so I’d really appreciate getting trackbacks for testing, especially from people using blog software other than WordPress. Mail me: blogmeister at this site (you can figure it out) if your trackback doesn’t get through. Thanks much!
PS… I’m doing trackbacks to a few others who have been hit… that I’ve been helping out. You guys can delete this. I’m just doing it to be sure I haven’t killed your trackbacks or anything.
[last update, I hope] IF you understand htaccess redirects, there is a zip file here that has some tricks that should help, along with explanations. If you do NOT understand htaccess redirects, please ask someone who does know to help. If you are one of my bloghouse clients, or an ex-client with another host who has lazily left me with access, I may have already updated your htaccess file. And I will be trying to get to everyone I can. If you are using front page, I have no idea how to do anything with htaccess without blowing up FP. I’m told it’s possible but I don’t know how to do it.
If you can’t handle zip files for some reason, mail me and I’ll send it to you in text. (Trying to keep bots and spiders away from it, even though the info is available elsewhere, the longer it takes them to find out what is going on, the longer it takes them to find another way to get through. )
Update, WP users who don’t understand htacess or can’t use it because of your host, check the spampop plugin at Candy Genuis’ site. She also has modified Drupal’s comment module to do the same thing, Drupal users may want to ask for a copy of that module.
Having a Contest on Your Blog?
If you are looking for ways to draw traffic to your website or blog, you might want to consider holding a contest or giveaway. While these can draw a lot of “freebie seekers” who are only interested in the prize, you can generate a lot of buzz that will bring long time readers to you as well. Another thing you are going to do is build links without even trying to. By nature we bloggers like to blog about what other people are doing, and if we see something cool on someone else’s blog we write about it and give them a link. That is twice as likely when that something is a contest with nice free prize to win!
If your blog is devoted to parenting issues, you could hold a contest where entrants describe their funniest parenting mishap or the most embarrassing thing their children said in public, or ask them to tell you about their favorite must have toy for their kids etc.
When it comes to finding prizes for your contests, you can offer up your own products or services, or you can solicit prizes from other website owners. The latter can be a win-win situation, as the prizes will not cost you anything and the person donating the prize will also get exposure (just be sure to mention on the contest page who donated the prize).
If you are not the creative type, or you just want to keep things as simple as possible then you can simply hold a giveaway. Your visitors can enter their information into a form or your comments section and you can randomly pick a winner. Again, you can offer one of your products or services as the prize or you can seek out prizes from other business owners.
A giveaway can also be used to increase your customer retention. If you have a service- based business, such as virtual assistance or graphic design, you could hold a monthly drawing and each time one of your customers paid for a service that month, they receive an entry form. For example, if a client paid for three graphics that month, they would be entered three times. Your customers may want to win a prize so bad, that they keep buying your services each month just to have a chance at winning.
To be successful, you’ll want to promote your contest as much as possible. You’ll want to send a notice to your mailing list as well as putting information about the contest on the main page of your website and blog. If you offer a podcast, make sure you mention it to your listeners.
There are many sites that allow you to enter your contest information, and this info can get picked up and publicized by other website owners. To find these sites, do a Google search on a keyword such as “contest submission sites.” You may also want to send out a few press releases. And never ever underestimate the power of other bloggers to build buzz.
If your blog is devoted to parenting issues, you could hold a contest where entrants describe their funniest parenting mishap or the most embarrassing thing their children said in public, or ask them to tell you about their favorite must have toy for their kids etc.
When it comes to finding prizes for your contests, you can offer up your own products or services, or you can solicit prizes from other website owners. The latter can be a win-win situation, as the prizes will not cost you anything and the person donating the prize will also get exposure (just be sure to mention on the contest page who donated the prize).
If you are not the creative type, or you just want to keep things as simple as possible then you can simply hold a giveaway. Your visitors can enter their information into a form or your comments section and you can randomly pick a winner. Again, you can offer one of your products or services as the prize or you can seek out prizes from other business owners.
A giveaway can also be used to increase your customer retention. If you have a service- based business, such as virtual assistance or graphic design, you could hold a monthly drawing and each time one of your customers paid for a service that month, they receive an entry form. For example, if a client paid for three graphics that month, they would be entered three times. Your customers may want to win a prize so bad, that they keep buying your services each month just to have a chance at winning.
To be successful, you’ll want to promote your contest as much as possible. You’ll want to send a notice to your mailing list as well as putting information about the contest on the main page of your website and blog. If you offer a podcast, make sure you mention it to your listeners.
There are many sites that allow you to enter your contest information, and this info can get picked up and publicized by other website owners. To find these sites, do a Google search on a keyword such as “contest submission sites.” You may also want to send out a few press releases. And never ever underestimate the power of other bloggers to build buzz.
Solving Problems San Diego SMB Didn’t Know They Had
People are looking for answers. It’s a basic formula that can help you while writing your next article or post on your blog. People are generally looking to be entertained, or they are looking for information. You can be the source of information that they find. When it comes to solving problems, helpful hints and tips are always winners.
What topic do you know a lot about? Write a post outlining 101 ways to do something better, or maybe write a piece that offers 25 tips to do something easier. Maybe you have a lot of great resources, why not offer a post full of useful resources and links?
When you help people solve a problem, find an answer, or offer something useful, people will return looking for more of your helpful tips.
What useful information can you offer people?
What topic do you know a lot about? Write a post outlining 101 ways to do something better, or maybe write a piece that offers 25 tips to do something easier. Maybe you have a lot of great resources, why not offer a post full of useful resources and links?
When you help people solve a problem, find an answer, or offer something useful, people will return looking for more of your helpful tips.
What useful information can you offer people?
Having issues with your San Diego Business Online?
There are several different ways that a website or blog’s importance in the internet can be calculated and it’s no surprise that the most known and widely recognized one is done by Google. It’s called Page Rank and the creators of Google came up with it in their initial invention of the Google Search Engine. PageRank is defined as follows:
We assume page A has pages T1…Tn which point to it (i.e., are citations). The parameter d is a damping factor which can be set between 0 and 1. We usually set d to 0.85. There are more details about d in the next section. Also C(A) is defined as the number of links going out of page A. The PageRank of a page A is given as follows:PR(A) = (1-d) + d (PR(T1)/C(T1) + … + PR(Tn)/C(Tn))
Note that the PageRanks form a probability distribution over web pages, so the sum of all web pages’ PageRanks will be one.
from “The Anatomy of a Large Scale Hypertextual Web Search Engine” by Sergey Brin and Lawrence Page
I don’t know much about Math and logarithms and stuff so I won’t try to pretend that I do. I will tell you what I do know about raising page rank and provide you some links if you want all the technical stuff.
There are a couple of ways to raise your page rank and if you have been blogging for a long time then they might be pretty obvious to you.
1.) Read Blogs. Find blogs of your friends or of a subject matter you are interested in. There are millions of blogs out there so with tools like Google Blog Search and Google Reader it’s not hard to find blogs and keep an eye on them. Once you find blogs that have a similar subject as yours or a subject you are interested in then read and leave comments. It’s also nice to blog about interesting things you have read and link back to them. This will bring new readers to your blog and get links out there. The main key to links on your blog is that they must be relevant. That means that you can’t write a blog that is totally dedicated to sports and go comment on a lot of blogs about celebrities. It’s ok to read a post about something off the topic of your and then to comment that you enjoy it but not to go and comment on 100 celebrity blogs to get your links out there.
2.) Join a few meme’s that you find interesting. There are tons of them. My friend Jennifer will tell you all about them here.They give you a theme and you write about something on a certain day. Once you sign up and participate you will get your nameon their blogroll and put the blogroll on your site. That means that every blog that participates (and there may be hundreds) will have a link to your blog on their blogs.
3.) The third way is to list your blog on directories. There are millions of free directories out there but there are a lot of good ones that you have to pay for. The thing about the directories is that the higher the page rank of the directory the better it is to raise your page rank. That is why the really high ones are the most expensive. For example, the Yahoo Directory has a Page Rank of 8 and it costs $299.00 to get listed there. Go check out The Paid Directory List that lists them all by PR and price.
These are some of the proven ways to improve your page rank. In the next few weeks I will tell you a couple of places to go to find your page rank.
Resources
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