your links page

Greetings Web Customers

I thought I would share a little info about trading links.

Many of your sites have a whole page dedicated to external links (which take users to pages on a different site, as opposed to internal links which take them to pages within the same site). This helps confine links to a single page, instead of peppering the site with links that will prompt visitors to leave. Links pages are fairly simple to create, as very little is needed except for the links themselves. The less attention you draw to the links page, the better. After all, the whole goal of a site is to keep traffic there, not to drive it away. When using link trading as a means of advertising your site, it’s a good idea to have a links page. This way, you can be sure to uphold all your trading agreements and still keep the arrangement of your own site intact.

Link trading is easy. Sites that you enter into link trading agreements with are going to want confirmation. Once you’ve placed their link on your site, you’ll usually be obliged to provide them with the link to the page where their information appears. They should do the same for you, giving you the chance to verify with your own eyes that your link has indeed been placed within their pages.

Reputation is always important. Make sure to follow all the terms of the agreement, including any necessary follow-ups for link verification. Confirm for yourself that your link is working properly and that it takes traffic to the page you want them to see. After the links are placed and confirmations are made, there’s absolutely nothing else to do. The entire process can take as little as five minutes to complete, which is part of the reason link trading is so attractive.

Also, make sure your link partners have something to do with the content of your site.  Incoming links are important to search engines and will help increase your ranking on a results page but don’t trade links for the sole purpose of adding another link to your links page.  It should be a link of value to your visitors.

If you have a links page, lets add some people to it.  If you don’t have a links page, let’s build one.

 

 

Art Oswald

www.yourcyberpresence.com

551 404 5341

The richest man is not the one with the most stuff - it is the one with a satisfied mind.

 

Changes Coming for Florida Real Estate Professionals

Article provided by Snell Legal
Visit us at www.snelllegal.com

Residential real estate professionals and consumers looking to buy or sell their homes will see changes in federally required loan closing procedures and protections in 2010. In certain circumstances, the loan originator will have to provide the borrower with a separate written list of closers available in the community. The new requirement may cause significant modifications in Florida business practices.

The Real Estate Settlement Procedures Act

The Real Estate Settlement Procedures Act of 1974 (RESPA) protects consumers by making the home closing process for "federally related" mortgages more transparent. RESPA also attempts to control abusive business practices that make residential loan closings more expensive for consumers. At a mortgage closing, the borrower executes voluminous, detailed and legally binding contracts committing himself or herself to the home mortgage and granting the lender a lien in the property.

Upcoming Regulation Changes Affecting Settlement Services

RESPA is administered by the U.S. Department of Housing and Urban Development (HUD); the law's detailed procedural requirements are spelled out in HUD's RESPA regulations, known collectively as Regulation X. HUD recently completed a major overhaul of Regulation X, hoping to make residential loan closing costs even lower by strengthening and fine tuning disclosure requirements, improving required forms and helping borrowers shop for closing services more competitively and conveniently. Some of the changes were effective in 2009, but the provision providing borrowers with a written list of closers -- also called settlement service providers -- becomes effective January 1, 2010.

The new regulation defines "settlement services" broadly to include not only traditional closers, but also other professionals necessary to the transaction such as title examiners; title, hazard and mortgage insurers; appraisers; real estate brokers; pest and mold inspectors; loan processors; underwriters; attorneys; and other providers of settlement services.

HUD hopes that providing a list of settlement service providers to the borrower will make comparative shopping easier and thereby save time, lowering costs, increasing competition and leveling the playing field among service providers.

Impact on Florida Real Estate Closings

In the vast majority of Florida counties -- although notably not Dade and Broward -- standard practice is for the seller to select the closing agent and purchase title insurance. The standard real estate sale contract form currently in use, as provided by the Florida Association of Realtors (FAR) and the Florida Bar (BAR), allows for marking either the seller or the buyer as responsible for title insurance. The form also delegates the choice of closing agent to the party buying the title insurance (or to the seller if there is no title insurance requirement).

Those watching the new HUD requirement speculate that the standard form may have to change to reflect that it is the buyer who selects and pays for the title insurance and closing service providers. Real estate companies and lenders that have ownership interests or working relationships with particular settlement service providers may not be able to steer business any particular way when buyers receive broader lists of providers from which to choose. Business practices will likely change significantly in the majority of counties where sellers have traditionally chosen title insurers and settlement service providers.

Legal Counsel Important

Everyone -- consumers, lenders, real estate agents and other professionals -- affected by the new RESPA regulation changes should consult a knowledgeable real estate lawyer for guidance. Real estate professionals will need to learn how to comply with the detailed rules, and consumers should understand the information and service to which they are entitled. Legal documents will need to be reviewed by experienced attorneys for compliance and modification.


Article provided by Snell Legal
Visit us at www.snelllegal.com


Continuing Ed for Title Agents

Free Classified Ads

NJLTI Course approved

The New Jersey Land Title Institute has had Ethics and Fraud in Title Insurance approved for continuing education credit online. 

Fraud along with ethics is something we are hearing and talking a lot about these days. This course will look at both of these issues in the title industry. This course is will provide 1 Ethics CE credit and 2 Title CE credits. It will review the following:
(a) Making Ethics Personal
(b) The Title Industry Consumer Initiative
(c) Understanding Compliance in New Jersey
(d) Understanding Compliance – Federal
(e) Confronting Pressure & Temptation
(f) Managing Funds
(g) Recognizing Fraud

 

Go to http://njlti.net/catalog/coursedetails.asp?caid=10&crid=41 to enroll

 

Continuing Education for Title Agents

Free classifieds for the Title Industry

 

New Course approved

Learntitle.com, LLC has had “Mortgage Issues in Title” approved for 2 credit hours of continuing education credit in New Jersey. 

The major lien disclosed on the county level is a mortgage. A mortgage is a limited conveyance of real property, the purpose of which is to create a security interest for an underlying debt, usually a mortgage note. Understanding the mortgage, how it is recorded, and how to remove it from the record is a core understanding of the Title Insurance industry.

Go to http://www.learntitle.net to enroll.

 

Art Oswald

www.learntitle.com, LLC

551 404 5341

The richest man is not the one with the most stuff - it is the one with a satisfied mind.