RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Why Title Insurance Matters

June 9, 2016 2:09 am

An owner’s title insurance policy protects your property rights as a homeowner. Those purchasing a home should obtain a policy to insure against defects associated with the title of the home.

Owner’s title insurance is worthwhile because…

…it protects your investment.

A home is likely the largest investment you’ll make. Insuring it, says the American Land Title Association (ALTA), is like insuring any other valuable asset. Owner’s title insurance protects the rights of the property owner for as long as he or she (or heirs) owns the home.

…it mitigates your risk.

Issues inevitably arise for every homeowner, but title discrepancies shouldn’t be one of them. An owner’s title insurance policy will cover you in the event a title claim occurs. According to the ALTA, these include a tax lien against the property, an outstanding mortgage or a pending legal action related to the property.

…it goes beyond insurance and warranties.

Standard homeowner insurance policies, as well as home warranties, do not cover your rights as the owner of the property.

What’s more, owner’s title insurance policies are inexpensive, paid for through a one-time fee that equals approximately 0.5 percent of the purchase price of the home, the ALTA says.

Above all, an owner’s title insurance policy ensures peace of mind after purchase.

Source: ALTA

Published with permission from RISMedia.


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Are You Ready for the Summer? Choosing a Camp for Your Children

June 8, 2016 2:06 am

Summer camp is a lot more than cookouts, crafts and sing-alongs. For many children, it’s a first taste of independence and an opportunity to learn new skills, expand social horizons and gain self-confidence.

Day camps are a great way to get your child ready for a longer, sleep-away experience—but when that time comes, it may be challenging for you to determine the best camp to send your child to.

Hundreds of summer camps are listed on the American Camp Association (ACA) website (acacamps.org), which offers these suggestions for narrowing your choice:

Start with Your Child’s Interests – Include your child in the search. If he or she likes performing, or has an interest in science or a particular sport, consider a camp with that focus. Consider, too, that he or she may prefer a camp that offers traditional programming with a variety of activities.

Consider Special Needs – Be sure the camp you choose can meet your child’s dietary or physical needs. If your child is 10 years old or younger, you may want to start with a one-week experience.

Choose the Right Locale – This can be especially important if you will be driving your child to and from camp or visiting during on Parents Day.

Do a Background Check – How long has the camp been operating? What percent of campers return to the camp each summer? Are references available from other parents? Is there an open house or information night you and your child can attend?

Remember the Budget… – …but don’t count your child out of desired but pricey options, because many camps offer financial aid.

Once you have narrowed your list of choices, camp personnel should be willing and available to answer questions you may have about transportation, insurance, physical exam requirements, optional expenses and more.

You can also call the ACA at 800-428-CAMP for additional information or recommendations.

Published with permission from RISMedia.


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