All Forum Posts by: Jamie Keeton

AND Another...

Democrats consider Plan B for health care reform
Faced with the prospect of losing their critical 60th vote in the Senate, Democrats are quietly talking about options for passing health care reform

From CNN

Once an underdog, Brown could shake national agenda
Republican Scott Brown was the underdog in the Massachusetts Senate race, but today, he could deal Obama his first defeat in the 2010 congressional elections. FULL STORY

What school district are you in that allows everyone with A's to receive an automatic scholarship? Havent seen that in Ohio and havent seen that in Florida.

I say, increase the access and make it easier and then let the grading system decide who gets to continue.

Those who are willing to apply themselves are going to make the best of it and those who arent going to utilitze the assistance arent going to use it anyway.

But if you can get a scholarship, by all means go that route first. But from my experiences, straight A's do not gaurantee anything. All three of my kids are working their hardest. One is all A's, one is A's & B's and one (with disability) is A-C. If they dont get a scholarship, I cant afford their college and why not make it cheaper and easier for them. They worked just as hard and should not be denied because they have less money.

The question posed was "are Republicans racist?".

The answer is yes, SOME are. And YES, some democrats are as well. The fact remains that racism does still exist but it's hidden within ALL branches of the government and society. I am a strong believer that people will show you who they are... eventually. Whether it be Reid or Biden, those who harvest this hatred will ultimately "slip up" and reveal the core of how they really feel.

Those who voted for Obama because of the color of his skin should be considered racist for not choosing someone because of the color of their skin. If you choose someone because they are black, then you didnt choose someone because they were white. This is racist.

Those who say that Obama won only because he is black should be considered racist. That is a racist statement from someone who cannot accept the fact that a black man beat a white man.

For me personally, I pushed for Romney. When Romney didnt make it, I had to choose between two individuals. Not a white person and not a black person. So me, a person who voted for Romney, decided to chose to vote for Obama over McCain. I did not vote this way because of his skin color, I voted because Obama promised changes during a time that needs change and McCain said nothing except for his beliefs that Obama wasnt the right guy and told me all about Joe the plumber. He told me nothing he wanted to change. My point is that people are not even considering the notion that Obama could have won because he was a better candidate than McCain, that people like him for what he said or merely because people didnt like McCain.

Sure, Obama may be making a bad situation worse and yes people who believed in his fast talk, voted for him, based on his word. This is why there are debates and votes. We have a great election process and the people get to decide the fate and live with the consequences. Give the people of America some credit other than they only voted because someone is black. I voted for W twice, I supported the first stages on war. I hated the Clinton Administration. But at least Obama told us something that we wanted/needed to hear. Romney promised a change, Obama promised a change and McCain promised us that Obama was a poor candidate.

America made it's bed and whatever the results are with Obama, we have to live with that. Trust that American's are doing the same as you and voting for what we feel is best for the country and if we are wrong, we will vote the next time differently.

Just because my candidate doesnt win doesnt mean your canidate is the devil and vice versa. It just means that more people saw more hope in your candidate and the votes proved it.

That is great news. If HUD says "no", require the title company to cover the payment. Sounds like they are confirming there was an over sight. Good job!

Hi Mike, give me just a few moments. Let me see what I can come up with for you. I am running your post thru our Operations Manager. Is the first sale already completed?

Hey there!

Hopefully I can get you started in the right direction. First, you will want to get a breakdown from the utility company that shows the time period that the invoice covers. You also want to find out when this invoice/bill was first released or made available. If it was before you took ownership then you might have something to work with.

There are several questions that you will want to look at.

1) Was this bill available and/or assessed at time of closing or prior to?
If yes, then you should contact the closing agency to determine why they didnt pay these on the seller side of HUD at closing, it is very possible that they missed this utility invoice. This would be your best case scenario and what we hope for.

2) If the bill was not available prior to closing and wasnt released by the utility company until after you took ownership, you would need to check in your purchase contract to see what it states about future "invoices/assessments". Some contracts state that any future invoices not due or assessed at time of closing will be the buyer's responsibility. If that is the case, then you have a hard argument to make in your defense.

Some closing agencies also have a hard time getting all utility invoices from the cities so they sometimes generate a "Hold Harmless" that protects them from being responsible for any missed utilties, so check your closing documents to see if anything of this nature was signed by you at closing.

I hope this helps...

Hi Jorge,

Yes. When we close we do a lien search report (separate from a title exam). This searches for code violations and permits. We, as the title company, work with the listing agent and the seller on getting those resolved before we can close, so we can clear the title.

You should check with the title company and/or the listing agent to see if they were aware of the permit and have been addressing it.

Also, I am finding more and more, on cash deals that some sellers/buyers are writing into the contract that the buyer would be responsible for permits. If your contract is written this way, then the buyer would be responsible. If there is a lender, a lender will not allow a code/permit to show on their title because ultimately, it will become a lien and take presedence over their mortgage.

I know that there are also BNI groups.

If you google your county and put BNI, you should find one. These seem to have a high success rate for new business and customers. They meet weekly and rely on eachother for GOOD referral leads and marketing.

Each BNI group can only consist of one person per profession per group. For example, Mine is Broward County BNI and we have myself to represent the title company, one realtor, one real estate attorney, various contractors, etc... so you arent in there with your competitors.

HAHAH, a much better answer than I could have given. :D