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Why Do You Need Title Insurance?

If you have ever purchased a house through a realtor and with a mortgage, then you have seen a title commitment. This is a "bill of health" from a title insurance company, alerting you to those owners the property you are purchasing and to any liens, mortgages, or encumbrances on the property. It is essential that you get a title commitment and title insurance.

A typical sales agreement requires the seller to give the buyer a "warranty" deed. The word "warranty" means that the seller is guaranteed to the buyer that he / she owns the property, that it consist of the legal description set forth in the title commitment, and that the liens, encumbrances, and mortgages will have been discharged at the time of closing so that the property is transferred without any baggage. As an aside, if the sales agreement was signed by one person but the title commitment indicating that there are two owners of the property, both of the owners must sign the closing documents for the sale to be consummated. If the property is owned by an estate (because the owner died), the personal representative may need to get a court order to obtain the authority to sign a deed on behalf of the estate. If the property is owned by a corporation, then a majority of the shareholders must consent to the sale through a corporate resolution for the sale to be effective.

When there is no title insurance guaranteeing the legal description, the legal owner, and the absence of encumbrances at the time of closing, the buyer usually receives a mere "quit claim" deed. This means "buyer beware" -in spades. The buyer may later have a claim for fraud against the seller, but that means a lawsuit and potential problems with collecting on a judgment. If, on the other hand, you have title insurance and discover that legal description was wrong, the seller did not have the right to sell the property, and / or liens or other encumbrances were not disclosed or not discharged, you can file an insurance claim and hopefully be paid almost immediately.

When you buy property, especially if it has been foreclosed or you are buying it as a "short sale," be sure to get a title insurance commitment. The commitment provides direction for what needs to be done to remove liens, encumbrances, and mortgages from the public record. The commitment, however, can "expire." There is a date, usually at the top, that reflects the last date that title to the property was checked. You can request that the title commit be "updated" to the date of the sale. If it is not and you accept a commitment with a stale date, then you may not be able to complain if the IRS filed a lien against the property the day before the sale, and the title company did not discover it. Because title insurance companies are connected these days to the Register of Deeds office, it is …

How to Choose a Tattoo Design

Choosing a tattoo design is a huge decision and obviously one that has life long implications. Here are three principals to apply when choosing a tattoo design.

1. Passion. What do you have true passion for? You can seldom go wrong when choosing a tattoo design if you can answer this question. True passion means “lasting passion”. It’s not enough to just feel passionate about something that could potentially be fleeting. Feeling true passion for something means that it is not a fad or an ideal that rolled in with the tide and will roll out the same way. True passion is not only strong in the moment, but strong in the long run. It is true that even a seemingly long lasting passion can unexpectedly simmer down or altogether disappear, such as a marriage. Thus passion towards a generalized state of who you are, what your character is, or those whom you will always love no matter what are things to consider when applying passion for a strong tattoo image. And if a particular passion does fade, the tattoo design can serve as a reference as to what passion feels like. Then that particular tattoo design can be applied to greater endeavors in your life to come, and can still serve as an overall symbol for passion.

2. Symbolism. A tattoo design has long been known to serve as a symbol for something. Choosing symbolism as a means to find the right tattoo design can serve both the purpose of providing meaning to the tattoo, while also helping you greatly narrow down your decision. For instance sailors used to get a nautical star tattoo design as a symbol for guidance and protection. Here you have a simple star suddenly taking on a much stronger importance as a tattoo design with strong symbolism.

3. Individuality. Finally, a tattoo design is personal. It is not a car or piece of clothing you are going to buy, only to discard when the latest trends tell you it’s time to move on. No, this is going on there for good. So before getting a chain link around your bicep or a rose on your ankle, because your girlfriends or the guys at the gym got the same, think instead about implementing your own individuality into a tattoo design. But if it is a generic design and you do you feel a personal attachment to it, you truly enjoy the particular image, then do consider it. There is an old school black tiger tattoo design that many people take a personal liking to and have made the decision to have it inked. To test out your personal feelings towards a particular tattoo design, it’s always wise to wait six months to a year, and then see if the feeling still holds strong. A tattoo design absolutely does not have to be originally made for it to be personal. Most of the time, quite the contrary, since there are so many wonderful, beautiful, stunning, and …

Proven Guide for Starting Your Own Home Business

If you are serious about Starting Your Own Home Business you’ll need to ask yourself some Critical Questions. And you must be honest when answering. Because of the fact that: Whether your new Business Project is going to be a Success or not is entirely up to the Boss, and that’s you! Do you really think, you have what it takes to be Your Own Boss?

If the Manager isn’t qualified to run the Business, it will normally be a Failure. So your personal Character and Work Ethic will be fundamental for running your Future Home Business. Do you have the Discipline and Persistence to work alone and keep going in the Long Run, even in Adversity?

The next question you’ll have to answer is also very personal: Why do you want your own Business? Is it just something you are daydreaming about? Or do you know exactly, what you want, and why you are going for it? If you don’t know, you’ll probably get nowhere. You’ll need to define and describe the Purpose you are striving for. What’s the Goal you want to achieve – personally, socially or financially? And: Why is it important?

And again you’ll have to ask yourself a Crucial Question: Do you think, you have a Desire strong enough to Get the Work Done, that’s necessary to reach your Goal. Without a strong Motivation and Commitment you’ll never carry through to make your Dream come true.

At last you are confronted with a much easier, Technical Question: How do you plan to Achieve the Goal you are aiming at? The last step in preparing your Start-Up is to work out a detailed Business Plan and decide on, which Business Model is the best – suitable for your Ambitions, Abilities and Resources.

Most People who want to Make a Living online are starting with an Affiliate Marketing Business, because it’s an easy and affordable Model, proven to work even for Beginners. One of the great Benefits is, that you may jumpstart your Business with an almost Turn-Key Marketing System – working for yourself but not totally by yourself. Some of the most Successful Marketers are ready to Teach and Guide you Step-by-Step to achieve your Business Goal. No need for you to figure out, how to do it. You better find and follow an experienced and Proven Success Guide to get started right away! Building a Profitable Home Business is quite easy, when you just know How to do it, have the right Marketing Tools and all the Professional Guidance you ever need.

When you have answered these Basic Questions and know: Why you are in Business and: How you have planned to succeed. Then you’ll be prepared and equipped for Starting Your Own Home Business the Right Way! And then it’s time to Take Action. It’s not enough to Plan the Work. To Build a Successful Business you must Work the Plan. It’s just to Follow your Action Plan and keep doing it. Good Luck …

Fashion Forward Wearable Devices Enhance Digital Runway

Have you watched a spy movie and wondered if the undercover devices they use on their missions, or the mechanisms helping them escape a nail-biting situation are realistic? Digital manufacturers are producing products in wearable technology, based on several ideas seen in spy and science fiction movies. Manufacturers are ensuring that their sleek and stylish designs will not sacrifice performance, attributes and efficiency for today’s personal use. Amazingly, these devices are gaining popularity every day and practically every household owns at least one.

The digital fashion runway is taking on a distinctive look with wearable device statements that are functional and in vogue. Today’s digital landscape is taking on a new social trend in the world of fashionable accessories. The future of wearables allows the user to take their technology with them for connecting to their daily lives, from gadgets for fitness and personal communications to infotainment (information-entertainment). How effective these devices are depends largely on connectivity, as well as convenience. Industry influencers are competing with a variety of wearable accessories that include smart watches, smart eyewear, smart trackers, smart sport accessories, wearable cameras, smart bracelets, healthcare devices, activity trackers, entertainment devices, running watches and devices for kids and pets.

Wearable computers are engineered to connect to the internet in real-time, while mixing the real world, with virtual and hybrid reality. The digital experience from these fashionable wearable devices compute through ambient intelligence (AMI), which are electronic environments sensitive to adapting and responding to the human presence. End-users are able to enjoy and experience personal, well-timed and relevant information twenty-four hours a day.

Wearable device industry leaders are ensuring their technology, platforms and expertise are highly competitive, and on point for increased consumer demand. They are making it possible to connect incredibly fast over 3G and 4G LTE networks. Technologies that include sensors, radio-frequency identification (RFID), biometrics, nanotechnology and software upgrades are embedded in these fashion forward wearables to help automate digital platforms with ease and efficiency. It will be interesting to see how soon we witness more luxurious wearable fashion designs on the electronic runway. Obviously, it would be a fashion faux pas to wear a sporty smart bracelet with formalwear. The future of fashion forward wearables offers unlimited, innovative possibilities.…

Must Have Guide on Using a PC to Organize Your Finances

Millions of people use Internet banking everyday, and with good reason. By having access to your bank account from the comfort of your own home you are given incredible benefits as well as simply queuing time at the bank. To start with, you have all the information you need regarding your finances, at the tip of your fingers 365 days a year, 24/7. There is no need to wait for that bank statement or hold for ages on ridiculous telephone queues. You know the ones – "press 1 if you wish to be taken to even more options, press 2 if you are wearing red underpants, press 3 if you are aware we are charging you obscene amounts of money for this call". Do not we all hate those? They should be illegal in my opinion. Internet banking eliminates all of this hassle and saves us time and money. Well, did you know that you could actually take this a stage further by using Budgeting software?

Online banking is one thing, but what if you want a whole solution to organize and keep your finances without spending hours with a calculator? What if you need to simplify your tax returns without paying an accountant? Welcome to the world of Budget Software. There are plenty of ways in which you can manage your finances with the help of your PC. Finding the right package for you however can be a little trickier. There are two main ways of doing this. First of all you can use a budgeting spreadsheet. This is the simplest way of keeping track of things. You can either create one yourself using a program like Excel, or you can download one, (often for free) that will cover most types of personal finances. This is a good start but options here are a little limited.

If you really want to get, and keep those finances in order then I suggest using budget software. Depending on how you want to spend, (if anything) and your specific needs there are some really amazing software packages out there that will take care of just about everything, and more. Companies like Quicken have even partnered with over 5100 banks and other financial institutions to enable their software to automatically pay your bills for you! By using the simple guides and wizards once you've initially installed your software you can have things up and running in no time. The software I use even has a built in debt-reduction planner which has proved very useful in the past. It finds out exactly how much you owe, the amount you can afford to repay each month, and how ling it will take you to pay off your debt.

There are so many features that software like this can bring you, it would be virtually impossible to list them all. Decide on your budget first of all. A good package will start at around $ 20 and range up to about $ 80, so we are …

How To Get Out Of Compromised Lifestyle After A Personal Injury

Accidents can happen anytime and can victimize anybody. Accident never alerts you, it just comes. It is our responsibility to be careful. Unfortunately whatever precautions you take to avoid accidents, they still occur. It is frightening to realize that actually we cannot stop unforeseen events from ruining our peaceful life. Top of that, sometimes it’s someone else’s fault that makes us helpless before destiny.

Not only a road accident; there are several things that could go wrong and make us suffer. Product liability is one such thing that may cause physical injuries to anybody, even to a homebound person. Assume you bought a chair which turned out to be defective. Now if the chair falls down when you are sitting on it, it will surely cause you damages and may lead to fractures even.

Just think, you had nothing to do with this accident! In the same way even when you drive carefully and try to adhere to all traffic rules, a heavy vehicle can crash your car all on a sudden. Automobile accidents often lead to severe physical injuries like injury in spinal cord, bone fractures etc. Costs of car repairing and medical expenses add to your expenditure.

Slip and fall is another kind of accident that most people experience at least once in life, unless they are lucky enough! Slip and fall sort of mishap can happen anytime. You might be walking to a poolside cafe and trip and fall on the floor. Limb fracture, back and head injuries are common in such cases. You need money to recover the damages. Compensation claim under the supervision of Florida attorneys may help you receive the required fund.

Unexpected activities by physicians, hospital authorities may also lead you to a bigger problem. Lots of people suffer from medical malpractice and all of them are innocent; it’s someone else who did the mistake or acted carelessly.

We may get involved in such cases anytime. Car accident, slip and fall accident can hit individuals when they are busy in their normal course of work. Depending on the severity, some injuries heal quickly while some may take months or years to cure. Hence, getting back to normal lifestyle is also delayed.

Life becomes hell after accidents. Injured persons and their family members are put to a compromised lifestyle without any fault. Money flows like anything. Top of that you suffer huge anxiety and tension.

If the accident was too harsh, victims might lose limbic organs causing permanent disability. Some people enter into coma due to severe head injury. If it was a life-taking accident, family might lose the only earning member even.

Personal injury claims come helpful in such cases. Victims can claim compensation for medical expenses, future treatments, job loss, other expenditure like car repairing and mental injuries as well. Personal injury law entitles you for compensation against all your damages.

Professional legal guidance not only helps you fight the legal battle effectively, but ensures suitable compensation that covers all your damages. …

Get Pumped About Personal Training Certification

Considering a personal training certification program? If so, you're on your way towards a rewarding career. "Receiving my BA and MS in exercise science, as well as my Certified Strength and Conditioning Specialist (CSCS) and Certified Personal Trainer (NSCA-CPT) certifications through the National Strength and Conditioning Association is without a doubt, the foundation of my career path and an immediate career in the fitness industry, "says Patrick M. Pilege, president of Optimum Fitness Inc., a booming Omaha, Nebraska corporate personal training company. "Having this education and certifications (NSCA is best in the field) assured me of having a successful career path in the industry of personal training and wellness."

Here are Coach Pilege's top three to-know about personal training certification:

1. Train your brain first.

"Multifaceted knowledge learned during the personal training certification process gave me a clear understanding of how the body functions and performances," notes Pilege. "This gave me the ability and confidence to develop programs and train individuals with very diverse ages, backgrounds and experience levels; including athletes, corporate executives, older adults with special considerations, such as Alzheimer's and muscular sclerosis, to post rehabilitative conditions such as hip replacements, spinal fusions and knee replacements. "

The consideration that goes into each personal training program is reflective of each population's life experiences, he continues. "For example, many corporate executives not only need fitness programs that can rejuvenate their bodies but also provide stress relief from the pressures of corporate America. much of the independence of living they may have lost due to illnesses or injury. "

2. Pump up your networking and business skills.

"Another importance facet of my career path can be related to the networking and contacts I made while undergoing my schooling at Creighton University [Omaha, NE]," says Pilege. "Many of the contacts made have been addressed in training clients, business contacts, mentors, and trusted sources of information spanning all areas of the personal training and fitness industry. be that one critical contact that opens a door to greater opportunity for them later in their career. "

3. Maintain a strict education regimen.

"When you are in the business of providing a service to the community it's important to assure the potential clients that they are getting the best training available for their money," notes Pilege. "Being able to show highly regarded credentials to the clients lets them know that you are qualified to meet their needs and there before, every client I meet gets a copy of my resume showing my education and certificates." Likewise, when Pilege hires trainers for Optimum Fitness, it requires a BA in exercise science or a related field and at least one NSCA or ACSM certification before he or she will even be considered for a position.

"I've found that people with a solid educational background and experience in the fitness field really have a passion for training and that competitive fire transfers to each client."

Feeling warm up now that you know what it takes to be a …

Personal Mission Statements and Vision Statements – Empower Your Future

Whether you’re a student, family member, employee, entrepreneur or business owner — somewhere along the way you have or will be asked to focus your interests and goals to define the direction your life will take. Many have faced this moment more than once in their lives. A change in education, marital status, job, or income can bring about real challenges in a person’s life. How to handle this change can be the beginning of understanding what is important to you, what you are meant to do, and believing what you are capable of achieving. Understanding begins with creating a personal mission statement.

“A mission statement declares why you exist” says Don Midgett, business consultant and author of Mission and Vision Statements: Your Path to a Successful Business Future. “It identifies your purpose and reason for being as a personal statement that helps lead you to the work you do on your chosen path.”

Your personal vision statement will describe your desired future – what you want to become. Once you have your personal mission statement defined, you can determine your horizon for the future and create a personal vision statement that describes your desired future. Once we have these two statements defined and understood, how we are going to get there starts to make itself known.

Pablo Picasso, the famous 20th century Spanish painter was quoted as having said ‘our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.’ The time, the effort in getting to know yourself will you create the life you want.

Joanne S. lost her job she really enjoyed with a major cell phone company. When asked what she thought her job was she replied, selling cell phones. Asked what benefit that supplied to another, Joanne understood that what she actually enjoyed doing was helping others stay connected. She had liked the job she had but now had more options. Joanne could now seek out other jobs or businesses that fulfilled a similar service for others.

Create your mission and vision statement and empower your future – start today. Begin to lay the solid foundation for your strategic plan and planning process. To see better the importance of a mission statement and vision statement, to view examples and to read what empowerment people have experienced, go to http://www.missionvisionstatement.com/. There you will learn more about creating a mission statement and the development and use of your vision statement.…

Rhode Island RI Personal Injury Law FAQS – Automobile – Car Accident – Damages – Pain & Suffering

1) If I am injured in an automobile accident, what do I do?

Make sure you stop at the scene of the car accident and notify the police department immediately about the accident. If possible, please get all of the information about the other parties involved in the accident, including their name, address, telephone number and insurance information. Make sure you receive treatment for your injuries with a medical provider as soon as possible.

At the time of the accident, please get the names, addresses and phone numbers of any witnesses to the accident. If you have a camera or a cell phone with a camera, please take pictures of your automobile, the other automobile and the scene of the accident. If you have any bruises or physical conditions that are noticeable, please take pictures of the physical condition as soon as possible. Please do not give any statement to the insurance adjuster until you have had the opportunity to speak with an attorney.

2) How do I determine how much money I am entitled to as a result of the accident?

In order to determine the value of the case, the attorneys must look at a combination of factors, including lost wages, pain and suffering, permanency of the injury, any scarring or disfigurement, loss of consortium, periods of disability, etc. Determining the value of a case is an art rather than a science. The amount of the medical bills incurred will be one important factor in determining the value of the case.

3) Does Rhode Island have a statute of limitations for personal injury cases?

There is a three year statute of limitations to file a lawsuit for negligence in Rhode Island. If you do not file a lawsuit within three years from the date of the accident, you will be forever barred from filing a claim as a result of the accident. In the event that the claim is for personal injuries against a city or a town, there are very strict notice requirements.

4) What if I am injured and the other party is at fault but has no insurance?

You have the legal right to file a claim against the person or corporation whose negligence caused your injury. However, in many cases the negligent party does not have the assets or funds to be able to pay your damages. So long as you have uninsured or under-insured motorist protection, you will be able to file a claim against your own insurance company for uninsured or under-insured claims.

5) How do I recover if I am hit by a hit and run motorist?

If you have uninsured motorist protection with your own insurance carrier, you may be entitled to make a claim against your own insurance carrier.

Rhode Island Attorneys legal Notice per RI Rules of Professional Responsibility:

The Rhode Island Supreme Court licenses all lawyers in the general practice of law, but does not license or certify any lawyer/ attorney as an expert or specialist in …

4 Steps To Everlasting Riches – Business Vs Personal

Ever desire or wonder how to attain everlasting riches? I came across this simple article posted by Prince Ben, a wealth creation expert, motivational speaker and best-selling author who help people to achieve their goals in life. Ben quoted the following four important steps to attaining everlasting riches:

1. Understand and state your real dreams and goals;

2. Positive Thinking;

3. Action and more actions;

4. Acquire knowledge

In my view, although the above may not be the full exhaustive list to make one ever everlasting riches, they are indeed the basic key necessities to getting one. In fact, there is no difference between attaining personal riches against business riches. Just think about how businesses that continually do well have in common: they all believe in setting corporate mission and goals. The goals lead to financial planning and budgets, which will then determine how they could strategize to make the targeted income and how they should spend the money wisely on their businesses. Imagine without a goal, it's like shooting blind folded, one can only "hope" the best will come! It's simply OUT OF YOUR HANDS!

With goals, people who indulged in sales will then go the extra mile to make sure that their sales goals are achieved, in the middle of intense competition. There will be full of challenges in order to win in the highly competitive landscape. As such, it is important that both management and sales people, in particular, must be equipped with the right knowledge and positive thinking to outdo the competition and to win the hearts of your customers.

Finally, an Action Plan is what one needs to fulfill the goals, the business plan and the related sales strategies. An action plan would be regularly scrutinized and reviewed for optimum results.

To many people who are either in business or working as an employee, the above steps are mission-critical. Therefore, they are not options but a must for execution. The strange thing is while one can apply these easily in business, it is not often one will apply the same in their personal capacity. Why is that the case?

It's back to the matter of "State of Mind". When one trips a matter as optional, people tend to procrastinate and taken things lightly. However, when one fears the matter as "life and death", simply means, it's not optional anymore but to succeed, people will do all they can and go the extra mile to achieve something. This is why while the process and objectives are the same, application to business and personal capacity is entirely different.

Even if all of us understand the importance of implementing these 4 simple steps, i can bet not everyone will be able to execute them well, mainly because of different emotions and state of mind . For many, they are more interested in making excuses in justifying to themselves or to other people why they should not follow certain steps or can not be successful!

For me, i understands …