Financing Your Child's Education<p>Did you know that a four year degree at a public university may cost upwards of $100,000 in 18 years? That's bad news for new parents who expect their kids to go to school, but fortunately it isn't that hard to save up the money needed for college if you start early. Time is on your site if you start early, but it becomes your enemy if you wait too long. So, here's <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/od/savingforcollege/a/Financing-Your-Childs-Education.htm">how to finance your child's education</a>.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm">Financing Your Child's Education</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/">About.com Financial Planning</a> on Monday, April 30th, 2012 at 14:51:31.</p><p><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm&zItl=Financing Your Child's Education">Email this</a></p>
basically any interest in the property, possessed by someone other than the owner. In short, an encumbrance is anything that burdens the title with legal obligations.
For example, a previous property owner might have forged their signature when transferring title or there might have been tax liens owed and secured against the property that did not surface with the original title search. Title insurance then covers the home buyer (insured party) for any claims and legal fees that arise out of such problems.
Title insurance also protects against claims from other defects such as another person claiming an ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in the policy.
Unlike other types of insurance (car, life, health, etc.) that basically assume risk for future potential events, Title Policies insure the history of ownership of the real property and the people who owned it prior to the date it was issued. Also, unlike casualty insurers who collect monthly or annual premiums, a title policy is usually paid for with a one time premium which is handled at the close of escrow.
While title insurance is not a type of insurance you buy frequently, if any problem were to arise n the future, you’ll be glad you insisted on buying title insurance when you purchased your home!
For more information visit http://www.nefcortez.com
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Nef Cortez has been a licensed real estate broker and has held various positions in the real estate industry for 25+ years. If you would like to read more of Nef's pithy and timely advice (with the latest info on local foreclosures), visit his website at Real Estate in Chino Hills
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