Tag Archives: Title

I Even Hate Little White Lies

Victrola

Truthfulness; a virtue as old as this Victrola

I hate lies. Even little white lies. Dolefully this puts me in the minority. Most people think it’s okay to tell little white lies. I don’t. But my battle for truth has formidable foes. Example: Dr. Robi Ludwig writes an article called, “Truth Be Told; When it’s OK to Tell A White Lie.” Of course Dr. Ludwig is talking about interpersonal relationships. No wonder the divorce rate is 50%.

Another example: Lisa Kogan writes on Oprah.com, “Lisa Kogan Tells All: The Lying Game.” Lisa says it’s okay to lie to your friends if you’re busy. What are frieds for if not to deceive? Besides, if it’s on Oprah.com it’s gotta be right. Right? Well I say wrong!

Here’s why it’s not alright to condone even the littlest of white lies:

Moral Decay

Moral decay doesn’t happen over night. It’s starts small and continues with baby steps until boundaries are fuzzy and no longer perceptible. If you get comfortable telling white lies without retribution eventually you’re going to tell bigger lies. Without a consequence where’s the harm, you’ll reason with your conscience.

The Erosion of Trust

Getting caught telling white lies pulls on the stitches of trust until there’s a systemic open wound infecting any opportunity of credible transparency. After all, if you’ll lie about little things where is the line demarcating little from medium or big? It’s not easy trusting a known liar.

Little white lies do hurt others

Most will argue that white lies protect people from hurt. On the contrary. I think people tell white lies because it’s easier on the lier, not on the recipient. You might say you lie to protect the other persons feelings but what you really mean is, you don’t feel like taking the necessary time to convey inconvenient news in a truthful but non harmful way. Sometimes it’s just plain conflict avoidance. However when you practice this form of deception you’re in effect robbing the receiver of their right to act, feel, or take action based on truthful information. Finding out you’ve been lied to is far more difficult to reconcile than dealing with factual news, even if the facts aren’t pleasant or desirable.

Little Lies Grow Big

When you tell little lies inevitably you’ll need to tell bigger lies to perpetuate your new designer truth. This is how little lies grow big.

Lying And Foreclosure

I hung up the phone and shook my head. Another case of someone losing their home to foreclosure. Instead of going down gracefully the homeowner chose the dishonest road leaving an insurmountable mess in their wake. What’s worse; they were aided in the lies and deception by a lawyer.

The Scam Goes Like This

Joe Homeowner is notified by the lender they’re headed for foreclosure. Sam Lawschool calls right behind the lender and promises to keep Joe Homeowner in the home for a long as possible–legally. Joe believes Sam Lawschool because Sam’s a lawyer. Aren’t lawyers supposed to uphold the law? Sam Lawschool tells Joe Homwowner they’re going to deed random people, people you don’t know and have never met, on the property Title thereby delaying the lender from taking back the property. This sounds wrong in Joes head but he decides to go along with it. Joe has now just crossed into the dishonest zone but justifies it by getting mad at the lender. “Those big banks are evil and are hoarding all the money.”

The harm this scam permeates is far reaching. The property becomes so encumbered by unknown people it can no longer be short sold. The Title is too clouded to unwind. The resulting foreclosure brings down property values, increases the loss to banks, degrades trust from lenders and drags down our economy’s recovery. That’s a lot of damage from one selfish lier!

Recently I asked Stuart Price, an honest attorney (they do exist), how many above board, legal ways there are to stop a foreclosure. Stuart was very precise. He said in his matter of fact way, “Ric there are only 2 ways. (1) Pay what is owed or (2) Get a judge to stop the foreclosure with an action, like bankruptcy for example.”

From a broader perspective, business losses to liars are staggering when considering lost dollars. Experts predict a range from the low billions up to $40 billion annually. From the few dollars the movie house loses from a child who really isn’t under 12, or merchandise bought with full intent to use and return, to the proprietor arsonist who torches a building to collect the insurance, billions are lost every year. And guess what? It’s the honest people who end up paying more for everything to offset the losses inflicted by liars. That’s why I hate even those little white lies.

If we all agreed to be tell the truth, all the time, wouldn’t we as a society be much better off? What do you think?

Please feel free to leave comments. And Remember, Sharing is Caring. Thank you.

Note: I’m a Title Rep. In other words, I sell Title Insurance. Comments made here are my own and do not necessarily belong to my employer; Chicago Title & Escrow.

Chicago Title has been in business for more than 160 years. It’s a company you can trust.

For more information about Title Insurance contact me directly at:
Ric Lippincott or leave a comment below.

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Live Each Day Like It’s Your Last, Plan Like It’s Your First

Planning Brings Peace of Mind

I laughed. I’m not sure why. Maybe it was stress or the irony of what I just heard.

Have you ever laughed when it wasn’t appropriate and then felt embarrassed afterwards? In the movie Pulp Fiction John Travolta holds a gun on a man while riding in a car. The gun accidentally goes off when the car hits a bump killing the man in the backseat. The entire theater laughs and then immediately feels guilty for laughing.

“John I’m really sorry for laughing, it’s not funny,” I begged for forgiveness. I felt embarrassed.

John, (a pseudonym), let me off the hook with some understanding words. John is a lawyer and called me about a case he’s facilitating. He started off with, “Ric I need your professional opinion on something,” and went on to describe a story only Quentin Tarantino and Roger Avery could have written.

There is a husband and wife. The wife is falling ill and about to become incapacitated. In a valiant effort to protect their property, the husband takes power of attorney for his wife. Then he uses the power of attorney to vest their property in his name and later into a trust naming their soul sibling as the trustee. The idea seems noble however the law doesn’t permit the use of power of attorney for personal enrichment. Therefore the Title transfer becomes ineffective.

The ironic component of this story happens when the wife, who is expected to perish, outlived her husband who holds power of attorney over her! When John told me this I said, “John this is the place in a story where I tell people to call you!”  Irony aside, the Title has a cloud and it may or may not take a court to sort it out.

The wife did die soon after the husband and their soul surviving sibling is left to untangle the web.

After hanging up with John I pondered the consequences of improper Estate planning. Or worse I thought of the millions of property owners who have no Estate planning at all. Then I considered those who record ineffectual property transfers. It’s a good reminder to consult with an expert before recording a document on your property.

Just because the State accepts the recording fee does not guarantee the property has a clear Title.

Check with a reputable Title Company. Each state has their own laws regarding ownership of property and tax consequences. The best course of action for Estate Planning is to check with an attorney first. The worst thing you can do is – do nothing. Or doing something improperly. When you don’t have solid estate planning in place, the property will go to probate court.  There, an executor will take their piece and the state takes a chunk in taxes and court fees. What’s left for your loved ones will be far less than it would be if you have proper Estate Planning.

I’m not legally able to recommend specific Estate Planning for you. But I can certainly refer you to a few great attorneys who can.  And I can strongly encourage you to get it done – correctly!

Please feel free to leave comments.  And Remember, Sharing is Caring.  Thank you.

Note: I’m a Title Rep.  In other words, I sell Title Insurance. Comments made here are my own and do not necessarily belong to my employer; Chicago Title & Escrow.

Chicago Title has been in business for more than 160 years. It’s a company you can trust.

For more information about Title Insurance or flying airplanes, contact me directly at ric.Lippincott@ctt.com.

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Stats Be Damned. The Fear of Flying & Real Estate

Adored When Needed For Immediate Rescue

I’m standing within arms reach of a fully equipped, reasonably self-sufficient, mostly educated, all faculties operable, grown man with a full-time job and a car, who is telling me he’s afraid of flying. I’m a Certified Flight Instructor. I get this a lot.  And I understand.

“You’ve got a better chance of being struck by lightning than of crashing in a jet. In fact, you’ve got a better chance of being struck twice by lightning than of going down with one of the big commercial operators.”  The Unfriendly Skies by Willie Stern, The Weekly Standard.

The stats be damned. Math isn’t a subject most of us grasped in school. How can we be expected to embrace it later in life?  Few of us have any trouble driving our cars yet nearly 33,000 people were killed in 2010, one of the best years on our nations roads according to the NHTSA, (National Highway Transportation and Safety Administration). There were no, none, zero airline fatalities in 2010. None. See USA Today Travel. Does knowing this chase away the fear of flying? Hell no.

Real Estate is scary too, until you’ve traversed it a few times and start to understand what makes it fly. I remember buying my first condo. I knew nothing. Didn’t understand a single thing. I was told to sign here, and here, and here… and the next thing I knew I was a homeowner. I blindly bought a home.

Most of the non-pilot population will do the same thing with flying. You’re told to get onboard, fasten your seatbelt, put your stuff under the seat or in the overhead bin and turn off your phone. The next thing you know you’re in Kansas!

In Real Estate transactions I try to explain what’s going on in the simplest terms. But sometimes what I have to say isn’t what the person wants to hear. That’s when ego’s step up and logic runs for cover. Besides flight Instructing, I’m in Title, so I get to work with all sides of a Real Estate transaction. Not just the buyers and sellers, but mostly the Realtors and Lenders.

Title guys like me are similar to lifeguards on the beach. We’re hated when we’re telling people they can’t swim because the water is too rough but adored when someone is drowning and needs immediate rescue.  An astute Realtor once told me, “I don’t even think about Title unless the $*** hits the fan. Then Title suddenly becomes the most important aspect of the Real Estate transaction.” Well said.

When teaching people to overcome their fear of flying I start by showing how and why airplanes fly. And, once we get in the air, I let students take the controls and actually fly the airplane themselves. We conclude with looking out the window and enjoying the perspective few people have the privilege of experiencing. If you’ve ever flown an airplane, even if for a few short minutes, you are one of the elite. Most people in the world will never have that story to share.

There hasn’t been a nicer time to buy Real Estate than right now. Home prices are low and money is cheap. If you need someone to walk  you through it, contact me. If I can’t walk you through to your goals, I have many experts in every area of Real Estate I can refer to you. See, “Does Your Realtor / Lender Know What You Drive“.  Once you’ve signed here, here and here, look out of the window in your new home and enjoy the view. You’re now part of the American Dream.

Flying airplanes, buying a home; scary at first. But once you understand the basics it’ll become second nature. It might even become enjoyable.

Please feel free to leave comments.  And Remember, Sharing is Caring.  Thank you.

Note: Besides being a CFII, MEI, Pilot, I’m a Title Rep.  In other words, I sell Title Insurance. Comments made here are my own and do not necessarily belong to my employer; Chicago Title & Escrow.

Chicago Title has been in business for more than 160 years. It’s a company you can trust.

For more information about Title Insurance or flying airplanes, contact me directly at ric.Lippincott@ctt.com.

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Seduce Your Wicked Imagination / Reduce The Risk

Learning to Fly Brings a Sense of Freedom

If you’re anything like me, when you walked out of the DMV with your first ever drivers license in hand, you could almost see those once inhibiting metaphoric corral fences getting sucked into the ground, pushed away, and the freedom to drive – anywhere – seduced your wicked imagination.

I could drive my car anywhere. Well, I wasn’t really unbridled, not just then. I still had limits. Parents. But the possibilities were rapidly solidifying from mirage to reality. I could now feel the wanderlust right under the surface of my skin.
 
When you first get your Private Pilots license that feeling of freedom jumps to a magnitude only birds and a flier can know. The once two-dimensional ground magically morphs into a magnificent world of 3D and you’re now pals with Peter Pan on your way toward earning a seat next to the likes of Chuck Yeager.  You even have a new vocabulary. The language of flying airplanes.
 
The distance you could travel in your car, lets say driving for one hour, suddenly doubled itself with a small airplane. Your territory, now larger, sparked dreams of weekends away. Further away. To places you wouldn’t have considered going for just a weekend trip.
 
Flying airplanes spawns those kinds of dreams. And in my years of flying I’ve brought many of those wonderings to life. From airplane camping in Northern Wisconsin to weekends on Catalina Island and aerobatics in-between, flying airplanes gets into your blood and becomes a habit you’ll never fully purge, as if you’d ever want to. But there are limits. Not parents (unless you’re under age) but a host of other overseers who are there to protect us from ourselves or passengers we may innocently enchant with our magic carpets.
 

It’s not always the FAA clipping our wings.

 
The FAA (Federal Aviation Administration) has volumes of restrictions, most are clearly in our best interests.  After the FAA I’d have to say Insurance Companies play a large role. For example, if you have a pilot’s license and a valid medical certificate the FAA says you’re qualified to fly to a destination like Big Bear City where the runway is fairly short and narrow, the winds are unpredictable, and the airport is surrounded by trees. However your insurance company is going to say, “Ah, excuse me. You need to go there with a CFI (Certified Flight Instructor) first before you can go off on your own.”
 

Why would your insurance company make that a requirement when the FAA doesn’t?

 
The insurance company is managing risk. If you crash they are the ones paying the bill. So they’d like an extra layer of assurance you’re up for the challenge before they’ll issue insuance (take the bet) you can do so safely. It’s hard to blame them really.
 

Title Insurance Like Aviation Insurance

 
Back to my recent flight to Big Bear in a second. First lets take a quick look at Title Insurance. When you get a mortgage to buy property the bank is going to require you to have Title Insurance. That’s because your lender knows how much risk there can be if the Title of your property isn’t free and clear.  And un unclear Title, or clouded title, happens all too often for Title Insurance companies to recklessly take that risk. But before a Title company will issue a policy, they are going to do a thorough search of the Title chain. Why? Once again, to mitigate risk. A lot of pre-flight happens before you get the policy.
 

Would You Take This Bet?

 
Lets say you’re going to refinance a million dollar loan. The Title Insurance policy will cost approximately $1,345.  It’s a one-time cost, good for as long as you own your property. If there’s a default and a claim is made, the Title company may have to pay a one million dollar liability when they only took in $1,345.  Not a good bet!  To cover that loss the Title company will have to sell 743, one million dollar policies that will never have claims, in order to cover that one loss!  That’s why Title companies do Preliminary Title Reports before issuing policies, and that’s why Aviation Insurance Companies require rated pilots to fly with experienced flight instructors to difficult airports before allowing pilots to fly there on their own.
 

Ready For Take-Off

 
Flying Into L35 (Big Bear) Can Be Challenging

Flying Into L35 Can Be Challenging

“Shuttle One fly the runway heading, climb to and maintain 9,500′, contact SoCal on 124.7 prior to entering class Charlie airspace, squak 7220.”  The pilot I was flying with read back the instructions and the reply over the radio was familiar.  “Shuttle One read-back is correct have a nice flight.”

Before getting into the cockpit I reviewed all aspects of the flight with the flying pilot. Weather conditions, runway lengths, aircraft weight and balance, fuel requirements, take-off distances, density altitude and the affects on aircraft performance, and so on. We were well prepared to make this flight and, like a Title Company, mitigated our risk with thorough investigation.
 
The retarding forces are at max when the airplane is lined up on the runway center line and the power leavers are pushed forward. The airplane is at its heaviest (it becomes lighter as you burn off fuel) and there is rolling resistance (the coefficient of friction for that particular runway) as well as aerodynamic drag (the wind resistance against the aircraft). As the airplane accelerates rolling resistance plays the biggest role at first, but diminishes as speed is increased until rolling resistance becomes zero at Vr (rotate speed) and the wheels leave the ground.
 
Once airborne I felt, I always feel, that rush of freedom entering my bloodstream like a drug administered intravenously.  The feeling crescendos as we, the airplane and me, leave the ground and climb above the silent scream of humanities internal dialogue, the constant voice, longing for flight.
 
Please feel free to leave comments below and remember, sharing is caring. Thank you.

Note: Besides being a CFII, MEI, Pilot, I’m a Title Rep.  In other words, I sell Title Insurance. Comments made here are my own and do not necessarily belong to my employer; Chicago Title & Escrow.

Chicago Title has been in business for more than 160 years. It’s a company you can trust.

For more information about Title Insurance or flying airplanes, contact me directly at: ric.lippincott@ctt.com

 
 
 
 
 
 
 

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When The Secret Fails, Call In The Marines

Now Is the Time to be Grateful

I never was a Marine but I’ve seen Full Metal Jacket six times, about as many times as my friend has been to Afghanistan as a Marine. Frankly his enthralling stories scare the hell out of me. I’m both glad and ashamed I’ve never faced combat.

When The Secret came out I read it like everyone else. And I’m a Disciple. It’s irrefutable. Having a positive attitude has been repeatedly proven to improve performance in nearly all situations. If you want to be truly successful I vehemently encourage having a positive, grateful attitude with a splash of detachment. That way even if you fail, holding on to that strong positive attitude will cloak the failures from your friends. Totally cool, right?

But lately I’ve had misgivings about the message of positive thinking.  I’ve noticed a few of my colleagues have been spending more time thinking positive thoughts and being grateful for what little they have left – and less time rolling up their sleeves and getting to work.  So I started wondering.. what would the US Marines do?

If you need to lose weight: What would the Marines do? Would they join a Pilates class and hire a nutritionist?  Or would they do push-ups and run?

If you need to get a job: What would the Marines do? Would they go on-line and search Craig’s List?  Or would they hit the streets and storm a high-rise?

Recently a friend sent me a link to a video on YouTube that I hadn’t seen before. I’m speaking in the video along with a co-worker, Danielle Goldie, about Real Estate and the need for getting out and working. And a year after this interview with Richard Ramos I’m still saying the same thing. Get to work America!  (Watch the video.)

The best path to success is a healthy day of honest hard work. Then, when you’re about to fall asleep, think positive thoughts and be grateful you have a bed to sleep in. Some people are reading The Secret from the back seat of their car.

Please feel free to leave comments. Thank you.

Note: Besides being a CFII, MEI, Pilot, I’m a Title Rep.  In other words, I sell Title Insurance. Comments made here are my own and do not necessarily belong to my employer; Chicago Title & Escrow.

Chicago Title has been in business for more than 160 years. It’s a company you can trust.

For more information about Title Insurance or flying airplanes, contact me directly at ric.Lippincott@ctt.com.

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The Reincarnation of Bonnie and Clyde (The Modern Day Bank Robber)

A Bank Robbers Hide-A-Way

In many ways The Reincarnation of Bonnie & Clyde is a tale of bank robbery.  Instead of walking into a bank wielding a gun, the modern day bank robber uses Real Estate.

Much like the romanticized movie version of Bonnie & Clyde’s true life crime spree, I’m leaving out details because this case is presently under investigation by the FBI. What’s more I simply don’t think like a larcenist; a prerequisite for understanding the nuances of the crime I’m about to share with you.

The somewhat slow and murky work day, now commuted to early evening, hadn’t done much to help me toward my personal goals. Business was dragging as it frequently does near holidays. Tired and just hungry enough to be skeptical, iPhone alerted me to an e-mail with the familiar ‘ding’.

The e-mail, from a Real Estate Agent, simply read, “I need a Prelim on these two properties.”

A Prelim, short for Preliminary Title Report, is an extensive search on a subject property, sometimes going back 30 or more years, to determine the rightful owner without so much as a drop of ambiguity. There can’t be any unexplained breaks in the Chain of Title, liens, judgments, etc. As long as there’s no discourse a Prelim is an offer from the Title Company to insure the property. The Prelim is often the most time-consuming and expensive cost to the Title Company which, if a policy is purchased, is rolled into the cost of that policy.  But if a policy isn’t purchased the now lame-duck Prelim is nothing short of a non recoupable elephant expense.

A request for two Prelims coming from one agent can be cause for joy but in this case (I know this particular agent doesn’t normally do that kind of business) it was cause for question. I asked Siri to call the agent and like a faithful secretary she dialed the number for me. After a few simple and friendly questions I took a deep breath and ordered the Prelims. Maybe the day had been worthwhile after all.

Not so fast there sizzle britches.

Within a few days the Real Estate Agent was asking me odd questions. And I had a few questions of my own. For one thing, why was there an opened order from another Title Company on one of the two properties I was asked to search?

It took awhile to understand what was going on.  In a nutshell one of the two properties had just sold but was up for sale again. The other property was up for sale too but not having been flipped.  Another odd occurence, why was the lender on the first property calling the original owners demanding payment?  None of this made sense.

The Real Estate Agent who ordered the Prelims kept telling me the bank who loaned money on the first property was calling the original owners, demanding payment, or the bank would foreclose. But wait. Everyone knows when you sell property all liens, loans, judgments, etc., must be paid off or cleared before the property can transfer to new ownership. So why would the “old” bank be asking for payment after the closing?

I asked the Real Estate Agent why they used a smaller off-beat Title company on the first sale.  Why didn’t they just call me in the first place? This agent always uses me and I was a little surprised to see I’d been left out of the first transaction. The Agent explained the Escrow company had demanded they use the smaller Title company. Red flag. Escrow can recommend but not demand the use of a specific Title Insurance company.

Exasperated I suggested the Realtor drive to Escrow and find out what was going on.

The next phone call I got from the Real Estate Agent was sobering. The Escrow Office was shut down. Closed. Gone. Packed up and moved out. History. See ya!

Here’s what happened.

Fake Escrow gets a license for two months, opens an office, takes in as many orders as possible, directs payoff funds from legitimate banks (the new lender) to a fake lien holders (the supposed old lender), grabs the money and books out-of-town.

The perfect bank job?

There are probably others involved in this scam. Like I said, I don’t think like a larcenist so I don’t know for sure. But here’s what I do know. This type of crime is ramping up. This isn’t the first case we as Title Company’s have seen like this. As the economy languishes, people grow desperate. And when people get desperate they are more willing to believe what sounds too good to be true.

Here’s my advice.

If you’re getting involved in a Real Estate transaction today make sure the people you’re working with have the expertise necessary to watch for traps. I’m not suggesting you can’t trust someone just getting into the business, we all had to start somewhere, but if they are new in the business make sure they have a reputable, well established company behind them. The Title Insurance company you choose is probably the most important decision you’ll make during a Real Estate transaction. (See, “Does Your Realtor or Lender Know What You Drive?”)

In a perfect world the original owners of the first property would get their home back, the old lien holder will get paid from the owners on the normal payment plan, the buyers will be reimbursed by the Title Company (That’s one of the 21 reasons for having Title Insurance), the Title Company has to pay another claim and the FBI gets the bad guys.  In a perfect world.

Beware of the modern day bank robber.  They aren’t in the bank with a gun anymore!

Please feel free to leave comments. Thank you.

Note: Besides being a CFII, MEI, Pilot, I’m a Title Rep.  In other words, I sell Title Insurance. Comments made here are my own and do not necessarily belong to my employer; Chicago Title & Escrow.

Chicago Title has been in business for more than 150 years. It’s a company you can trust.

For more information about Title Insurance or flying airplanes, contact me directly at ric.Lippincott@ctt.com.

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Flying Airplanes and Title Insurance

Last night I showed someone how to fly an airplane from 6,000 ft up and 15 miles away from the airport to the approach end of the runway, and then land, without ever looking out of the window.

I’m a Title Rep.  (Tie-tél Rep; a person or reptile that scurries through Real Estate Offices and Lending institutions in search of food, stopping at nothing, including stepping on other Title Reps in its pursuit.)  In other words, I sell Title Insurance. But even worse, I also fly airplanes. In fact I teach flying whenever I’m not in a Real Estate office. A lot of people have two jobs these days. I’m no exception.

The airplanes wheels gently touched the pavement. They squeaked, or screamed, for a half second while the resting tires accepted the change in weight from zero to 2,000 pounds and spun up to 70 mph.

Once stopped I got out of my seat in the cockpit and left the airplane for the debriefing room. There I’d discuss the flight just flown with my student. It had been a long day. Working Title from early in the morning and then flying at night. A sixteen hour day for me. Title Insurance and aircraft landings were merging in my head and then it struck me.

How is Title Insurance similar to piloting an airplane?

Before a pilot flies an airplane they do what’s called an acceptance check. The entire airplane is checked, the airframe, engines, safety equipment, every system, navigation, fuel, weight, weather, everything. Once the pilot in command is satisfied the airplane is safe and the flight can be conducted safely they’ll sign a legal document saying the aircraft is airworthy. After the daily acceptance check, the Captain or First Officer will do a preflight inspection before each subsequent flight that day.

Like a Pilot In Command, a Title Officer first checks the “worthiness” of the properties legal description before issuing a policy. That way when you buy, or “accept” a new home you are insured against anyone who may come out of the past to file a claim against your legal right to ownership of the property. And if too much time passes between the Prelim (Preliminary Title Report) and closing, the Title Officer will do a subsequent search or “date down” to make sure nothing new popped up since the initial “acceptance check”.

Unlike other types of insurance, Title Insurance insures property owners against events that occurred in the past that might adversely affect the present property owner. Part of the cost of Title Insurance goes toward searching the properties chain of Title, legal coats to correct defects, and toward making sure problems are cured before a new Title is recorded on a property.

Likewise a Pilot getting ready to fly checks the aircraft for any defects that may have been caused by previous flights.

Personally I find it comforting to know my airplane is fit to fly before getting on board. And I also find it comforting to know my Title Insurance Company has checked the Title on my largest investment and is willing to insure me against claims before I take ownership.

For questions on Title Insurance or flying contact me at ric.Lippincott@ctt.com

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