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"Anne & I would like to commend you"

"Your enthusiasm and knowledge of our home. Especially during showings, this let prospective buyers become aware of its best points."

"Prospective qualification. You diplomatically determined who the best prospects were."

"Investment in marketing. you created a beautiful brochure, ran attractive ads and provided exposure in various types of media to maximize the visibilty of our home."

"Broker relationship. Because you know so many other top agents and because they respect your judgement, our home received considerable attention. Also, your broker's open house set just the right ambiance with fine catered food and music."

Dick Kazan

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Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Q	What site discovered in 1965 is considered the world's oldest known habitation?
A	The Terra Amata site in Nice, France has the remains of 21 huts belonging to the Acheulian culture from 400,000 years ago.
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Stephen Haw, REALTOR®, real estate agent and broker for Palos Verdes Estates, Rancho Palos Verdes and Rolling Hills EstatesCalifornia home listings, property and land for sale - NUMBER1EXPERT(tm)

Stephen Haw
Keller Williams Palos Verdes Realty
500 Silver Spur Road #303
Rancho Palos Verdes, CA 90275
Tel: 310-377-7539
Email: skh8828@gmail.com
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