Title Transfer Holding | Defining Timeshare and its Pro's and Con's

Title Transfer Holding is a timeshare relief company, specialized in cancellation of timeshare contracts. Our experienced and qualified team, with years of understanding in the field, are specialized in cancellation of even 10 years old contracts, whether it was signed ten years or 1 week ago. By respectful and important relations with real estate executives and financial advisers, we are recognized professionally as the “go to” in the industry if you want to cancel your contract and require debt to timeshare resort and vocational clubs.

Experts at Title Timeshare Holding stand among the top professionals that successfully provide our clients the easiest and affordable way to dissolve your timeshare problem completely and get partial or full refund for you. We deliver managed and professional services including planning, operating and optimizing. Count on us to help you if you are tired of paying maintenance fees year after year and not using timeshare due to any reasons

What is a timeshare?

Timeshares are different kinds of real-estate purchases, but according to Title Transfer Holding it is not a financial investment. It’s an acquisition where instead of you paying and owning an entire piece of property that you can use whenever you want, you actually pay a share of the price and own a share of the property. You divide your time in the property with other owners, and can use it in a certain period every year, but how long you can stay also depends on your share.

It is not a type of financial investment since to pay it to themselves, it needs to be used. The objective is to have a good time in the same place every year. Timeshare exists in the U.S. since 1969, generating around $8.6 billion in annual sales in 2015, according to the American Resort Development Association.

There are four types of timeshares and Title Transfer Holding explains that in a simplistic way: the restricted one, where you have a fixed time every year to use; the flexible one, where you can decide the time you want to go, but remember there are other shareholders choosing a date too; the right-to-use is the type of policy that the developer maintains ownership of the property, leasing the place for an amount of time each year for a few years and the last one is the points club where buyers can choose a place to stay depending on the amount of points they’ve accumulated from for buying a specific property or purchasing points from the club.

The pros of having a timeshare

1. You want to go somewhere in your next vacation but don’t have access to it? Title Transfer Holding says that with the prices of hotels and rents at their highest, the timeshares seem financially attractive because you can have a condo in a popular vacation spot even when you don’t have the resources to purchase one. This type of acquisition will allow you to live in a condo for a timeframe.

2. You don’t have to worry about security issues or upkeep when you are not in the property, the maintenance fees will take care of that.

3. If your contract approves, you can make your timeshare more profitable by subletting the unit that will buy you a week of vacation. Title Transfer Holding remembers that your profit will depend on how much you will pay for the maintenance fees, special assessments, and monthly mortgage.

4. It is convenient for large families, since the spacious 2 or 3+ bedroom condo is better than rent several rooms for a large family.

5. Your vacation is all set if you like to visit the same place every year and you don’t need to concern yourself with booking.

6. There are exchange programs that you can trade your vacation place for a different location every year.

The cons of having a timeshare

1. There are various costs involved like the maintenance fees that rises each year, even if you don’t use it. Special assessments, taxes, and most of the time, a mortgage is also involved. Title Transfer Holding thinks that booking the same vacation at the same resort can be cheaper.

2. Carefully read the contracts as they sometimes can lock you in for life. This is the most important for Title Transfer Holding. This timeshares can be passed onto future generations.  

3. Timeshares generally lose value as soon as you buy them, and they are not easy to sell.

4. There are also the limitations in booking the place. As your location and date are already booked, it is difficult to change this date to another one.

5. To buy a timeshare in another country is even more difficult. Most places you are in are limited to “right to use” timeshares.

6. An unpredictable real estate market can make time sharing a volatile thing according to Title Transfer Holding. What you bought thinking about selling later can drop in value due to hundreds of variables.

Title Transfer Holding | How to Legally Get out of a Timeshare Contract

Consumer protection laws exist to defend you against deceptive and unfair business and sales practices, which are commonly used by timeshare sales representatives to encourage you to buy within the arrangement. They use these misleading tactics to make a timeshare seem like a great investment that can fetch huge returns. If you think you may have been tricked into buying timeshares and you wish to out, here’s a good news: it is possible to get out of the timeshare contract legally. With consumer protection laws, you have the freedom to dispute the contract due to breach or consumer rights violations. The law says that if unfair or deceptive practices were used for financial gain, you have every right to receive a fair settlement as long as there are warranted claims. Here are tips on how you can legally get out of a timeshare contract:

• Understand your options – When getting out of a timeshare contract, you usually have a choice between canceling and terminating it. Cancellation occurs when you want to end the contract by breach. The effect is similar to a termination, except that you have any unperformed balance and remedy for the breach which are still retained by the canceling party. Breach of contract, by law, may release you from obligations under that contract. Termination occurs when you end the contract for reasons other than breach.
• Decide early – If you have recently purchased your timeshare, it may still be under a cooling off period or rescission. You may cancel the contract and get your deposit back during this time. Once that period is over, the company might have you believe that you cannot cancel the contract anymore and that you are perpetually bound to pay the increasing maintenance fees for ownership. This is not true. You can still get out of the contract, but the process becomes considerably more complicated.
• Find an attorney or law firm that specializes in cases like this – Timeshare law is a specialized area that requires proper legal representation. With a specialist, you can easily and legally terminate your contract successfully. Consider hiring lawyer if your cooling off period has expired or if the timeshare company is making it difficult for you to get out of your contract, even if the grace period is still in force.
• Use a timeshare termination service – More than 1.2 million licensed attorneys are practicing in the US, but less than one percent of them are specialists in timeshare law. The best way to find these lawyers is to work with a timeshare termination service provider than connect you with the finest and most experienced timeshare cancellation attorneys and law firms.

Timeshare contracts are legally binding documents, but that does not mean that you can never get out of one. Perhaps you entered into a timeshare contract because you were deceived or tricked into it. Perhaps you didn’t have the willpower to say “no” to aggressive sales tactics. Perhaps you willingly bought a timeshare only to regret the decision when you came into financial problems. Don’t worry—you can still legally get out of a timeshare agreement if you act fast and follow the right procedures. Here are some of the things you need to know how to legally get out of a timeshare contract:

• Why do I need to act quickly?

Timeshare contracts usually provide a grace period during which you can still legally get out of it. The cancellation period should be indicated in the contract, which should clearly state the number of the days you are allowed to rescind the agreement. If there is no grace period, look up your state’s laws on timeshare contracts or get in touch with the state consumer protection office.

• How do I cancel the contract within the cancellation period?

The best way to do this is by writing a letter. Be sure to include your name as it is indicated on the contract, your address, email address, and phone number, the timeshare’s description, the date you bought the timeshare, and the statement that you are canceling the contract. You do not have to mention the reason why you want to cancel the contract. Just be sure to deliver the letter to the company within the cancellation period, and make sure that all details are correct.

• The cancellation period is over. Can I still get out of my timeshare contract?

Yes, you still can, but you need to find a qualified and skilled lawyer in your state to help you. Many timeshare companies declare that you cannot cancel the contract after the cancellation period is over, but that is not true. Look for a timeshare cancellation attorney who can help you. However, this means that the lawyer will bring a lawsuit against the company.

• How do I find a timeshare lawyer?

Find an online financial services platform that lets you find timeshare lawyers from its network of attorneys and law firms in the US. That way, you can easily find and pick the best person who can help you get out of your timeshare contract.

Strategies on How to Legally Get Out of a Timeshare Contract

The timeshare contract may be considered a binding legal document, but that does not mean that it is absolute and cannot be terminated. The misconception that a timeshare contract is interminable is the result of some fraudulent and dishonest timeshare companies claiming that it is, causing many consumers to feel intimidated and powerless. Under the law, contracts, including timeshares, can still be canceled or terminated for a variety of reasons, including fraud and realizing that the timeshare is not for you. Seeking legal counsel from a leading marketing platform for timeshare attorneys can get you started on how to legally get out of a timeshare contract. Here are some strategies that attorneys may recommend:

• Cancel the contract within the cancellation period – Timeshare contracts typically have a given period when you can cancel it. That period tends to vary by state, but it is usually between five and ten days. This right cannot be waived, and this means that the company who sold you the timeshare cannot tell you to give it up. Hence, you need to act quickly as soon as you change your mind about the contract, and be sure to write the cancellation letter and give it to the company within the allotted time frame

• Sell the timeshare – Consumer Protection Laws requires the private seller to provide full disclosure of all terms, conditions, and full disclosure prior to executing a financial commitment. Such as

• Timeshares are not real property;

• The true owner of the real property is the developer;

•  The developer can legally charge you fees above and beyond the maintenance fees without the owners’ consent;

• Upon the member’s death, the members heirs successors and assigns would HAVE to inherit all financial and legal obligations under contract. With such facts being disclosed; people will not have an interest in purchasing a timeshare; would you?

• Terminate the contract with help from a timeshare attorney – In some cases, you might be able to get out of the contract, even after the cancellation period has expired by suing the company, especially if you suspect fraudulent or dishonest selling practices. Remember that consumer protection laws exist to protect you from deceptive and unfair business and sales practices. An experienced timeshare attorney can tell you how to legally get out of a timeshare contract.

Just because the people who sold you your timeshare says that the contract is forever binding doesn’t mean that it can never be canceled. timeshare cancellation lawyer can help you exit your timeshare contract in a legal manner. Don’t believe timeshare companies that propagate the misconception of ‘no cancellation’ because this simply isn’t true. Even if there is a ‘perpetual’ clause that supposedly binds you to the contract forever—and even if your heirs and successors are supposedly legally bound to inherit all financial obligations—there is still a way out. The law allows timeshare contracts to be terminated for a number of reasons—most notably if deceptive, unfair, or fraudulent sales tactics were used to sell it. The key is to hire a timeshare cancellation lawyer that specializes in this rather complicated niche.
But there’s a slight problem: it can be very difficult to find a real specialist in timeshare law. Less than one percent of the 1.2 million attorneys in the US today have experience and interest in timeshare litigation. You might be wondering—what can you do to find experienced timeshare lawyers? The key is to seek the help of a financial services firm with a focus on consumer advocacy. They have the network and the tools necessary to point you to a reputable timeshare lawyer in your area or state. They can also advice you on the choices available to you in rescinding your contract.

Time is very important in timeshare terminations, so seek legal help as soon as possible. A lawyer can guide you through the proper legal procedure and ultimately free you from the oppressive contract. Note that most contracts have a cancellation period during which you can still get out of the agreement without much hassle. But even after that period has lapsed, a good lawyer can still help you exit legally.

Title Transfer Holding | How to Sell a Timeshare for Free

A timeshare is a form of ownership in a property in which different individuals pay for rights to use the property certain weeks of the year. As with many real estate transactions, attempting to sell your weeks at a timeshare property for free has its challenges. However, with a little work and initiative you can sell your timeshare without spending too much extra money.

1) Finding A BuyerReview your agreement. 

 Before you can sell your timeshare, take some time to review your agreement. This will make your rights as a timeshare owner apparent. You will know whether or not you can sell the timeshare.

• If you have a deeded timeshare, you are considered an exclusive owner of the property. This means you can sell your timeshare.
• However, if you have a leased timeshare you are unable to sell. You'll have to keep paying for your timeshare for a certain number of years until the lease expires.

Ask your property manager about in-house options.

Contact the property manager of your timeshare and ask him about in-house options. Some timeshare companies offer services in which those who are interested in selling their timeshares are matched with potential buyers. This is probably the easiest way to sell a timeshare as contracts and negotiations are dealt with by the original company. However, if you're looking to sell a timeshare for free this might not be a good option for you. Some timeshare companies do charge fees for in-house sales.

Advertise the property. If you've determined you can sell your timeshare and do not want to use an in-house option, you need to advertise. This can help you find potential buyers for your timeshare.

• The easiest way to advertise is online. Find a reputable group, like Timeshare Users Group, and post about your timeshare there. However, keep in mind some users groups do charge fees.
• You can also use free sites like e-bay to advertise your timeshare. Just be sure to use precaution when dealing with strangers online. Watch for telltale signs of scammers, such as poor English and a willingness to pay without seeing the property.
• You can also advertise in a local newspaper. If you live in an area where you believe people might be interested in purchasing a timeshare, this can be a great way to sell your timeshare. However, this may cost a small amount of money.

2) Ensuring a Legal Transaction

Do not pay upfront fees. Many companies offer to help you sell your timeshare. They will offer fast sales and fast money. However, such companies do not do much more than post your timeshare online, which you could do yourself for free. 

 

• Companies will demand a pricey upfront fee to sell your timeshare. It is listed in a variety of ways, such as a listing fee, appraisal, or title fee. However its listed, any upfront fee is usually the sign of a scam.
• You should only go through your original company to sell your timeshare or try to sell it on your own. This is the cheapest, easiest way to sell a timeshare.

Write up a new contract. Once you find a buyer, you'll have to draft a new contract. This will shift payment and responsibility onto a new owner.

• A contract should specify when the buyer can use the timeshare and how much money the buyer owes you. It should also specify how payments should be made. You can try writing a contract on your own. There are many contract templates you can download online that deal with timeshare sales.
• There are some companies that can deal with closing a contract for you. However, these are costly and should be avoided if you're looking to sell for free.
• If you don't have experience in contracts, you may want to talk to a lawyer. While there will be a cost for consulting a lawyer, if you look for an affordable business lawyer for a onetime consultation. This should not cost too much and a lawyer may even answer a few questions for free over the phone.

Deal with your loan. If you still have a loan on a timeshare, don't expect a new buyer to take over your loan. Before you can sell your timeshare, you'll need to figure out how to deal with your loan.

• If you have a personal loan rather than a secured loan, you do not need to pay the timeshare off before selling it. If you have a personal loan, the best course of action may be to simply sell the timeshare and put the money you sold it for towards paying off your loan.
• If you don't have a personal loan, you have to make a decision about how to deal with the loan prior to selling your timeshare. If your loan amount exceeds how much you can sell the timeshare for, you may want to hold off on selling until the loan is down to a reasonable amount. You can talk to your property manager about refinancing the loan to make payments more manageable if you're struggling to keep up with your bills.
• Your lender may allow you to do a short sale of your timeshare. This is usually offered if the cost of the mortgage is greater than the cost of the time share. You would still have to pay the remaining loan after selling the time share but would be free of other financial obligations regarding the timeshare.

Close the sale. Once you've made a decision regarding selling a time share, you need to go through a closing process similar to when you sell a house. If you're unfamiliar with real estate deals, consider using a one time closing company. While there will be a fee of somewhere around $300, it might be worth the money. However, if you want to save money you can buy software for around $115 that walks you through the paperwork involved in closing a timeshare. It might be a good idea to have an attorney look over any documents related to a time share's closing to ensure the sale is legal.

 

3) Exploring Other Options

Consider renting. If you're unable to sell your timeshare for any reason, renting can be a viable option. If you know you'll no longer be able to use your timeshare, offer to rent the space to someone as a vacation rental. Keep in mind that if you rent your timeshare, you'll still be responsible for maintenance costs.

 

 

Look into donating. If you're unable to sell your timeshare, you can donate it. You can allow a friend to use the time share or actually make an effort to donate it to charity.

• You can allow a friend or family member to use the timeshare the years you cannot make it. This way, while you'll still be stuck with an unwanted timeshare, it won't be a complete waste.
• If allowed in your contract, you can also donate your timeshare to a charitable organization. Keep in mind this process is actually somewhat expensive as there are fees associated with the donation process. There are also little tax benefits associated with donating a timeshare. However, if you can't find a buyer donating a timeshare does free you from annual fees associated with your timeshare. 
•  
• Make sure any alternative options are allowed in your contract. You should always defer to the original contract when making decisions about your timeshare. Make sure there are no restrictions on renting or gifting your timeshare in the original contract. 

 

Title Transfer Holding | Real Estate Investing For Beginners

Real Estate Investing For Beginners  Many real estate investors want to get starting flipping houses but they dont know how to get started. Beginners want to know where to get the money and how to get started investing in real estate. This training course for beginners shows the easiest barrier of entry to break into real estate investing, how to wholesale houses and plenty of tips and strategies.

If you want to get started wholesaling real estate, the market is wide open. Opportunities are in every corner of the U.S., just waiting for you to do your first deal. So get ready to help people who need to sell a house fast and make yourself a nice profit along the way.

Check out these tips on investing in real estate for beginners.

Title Transfer Holding | Real Estate Investing, with No Money

Title Transfer Holding | Real Estate Investing, with No Money from Title Transfer Holding

Title Transfer Holding | Strategies for Investing in Real Estate

Title Transfer Holding | Strategies for Investing in Real Estate from Title Transfer Holding

Title Transfer Holding | 16 Strangest Hotels

1. The Queen Mary
This list would not be complete without a haunted hotel. The Queen Mary, which is found in Long Beach, California, works as a docked hotel in the harbor and it’s said that there’s been multiple encounters with the supernatural. Dubbed as one of “America’s Top Ten Haunted Places”, anyone interested in testing their luck can stay on the ship overnight and they even offer paranormal investigation tours and spirit walks around Halloween. Mmmm, no thanks, I’m good.

2. The Panda Inn
The Panda Inn is located in China’s Sichuan province and the interesting thing about this place is that there seems to be a revolving theme around, you guessed it, pandas. Each of the 32 rooms has it’s own theme that is fused with pandas such as the sailor moon room and the titanic room that features pandas as Jack and Rose. If this weren’t creepy enough, some of the staff members at the hotel are dressed in full-body panda costumes waiting to serve you.

3. The V8 Hotel
If you’re more into cars than you are into pandas then this next place might just be for you. Located in Germany, the V8 Hotel was built inside of an old aircraft hanger that happens to be the Motorworld museum/garage/dealership/showroom. You can expect the room you’ll be staying in to be fully decked out with a vintage car theme and the cool part is your bed is actually built into the frame of an old car.

4. The Tree Hotel
What’s pretty awesome about this hotel is each of the 5 rooms are very interesting considering the designs range from looking like a giant bird’s nest to a UFO. Each room is located high up in the treetops so you can bet that you’ll have your privacy. The best part is that each room is built with an environmentally sustainable design in mind.

5. The Strawberry Roan Horsebox
This little “hotel” was converted from a horse trailer and is now a cozy one room glamping, the words glamorous and camping combined, experience. Inside you’ll find a king-sized bed along with a wood burner and a private bathroom that’s located in the pony trailer next door. You can also expect to be given baked goods by the owners while you’re there.

6. The Das Park Hotel, Linz, Austria
This next hotel might not be for everyone, considering what the rooms are made of. The rooms are built from old concrete sewage pipes, obviously cleaned, and they sit near the bank of the Danube river, which is the second largest river in Europe. The rooms are fairly small considering only a bed fits inside, but I guess this is more for the minimalist at heart.

7. No Man’s Fort
This hotel, located near the coast of Portsmouth, wasn’t actually intended to be a hotel but it was initially a naval fortress. It was built by the British in order to keep the French from invading their shores and the irony is that it was completed after the British and French armies made a truce. The hotel is able to hold 200 guests and they’re treated to a complete itinerary that has plenty of activities to keep them busy. I mean I guess you kind of have to since you’re guests are technically stranded on a rock.

8. The Crane Hotel
This hotel is located in Harlingen in The Netherlands and it’s not for the faint of heart. If you’re brave enough and not completely terrified of heights, should you choose to stay here, then you’ll be staying in a room that is suspended 150 feet in the air…by a crane! Once guests are inside, they’re able to rotate the room 360 degrees and get a nice panorama shot of their view. That all sounds really nice but I think I’ll pass.

9. The Icehotel
Sweden’s hotel game is seriously strong, first the Treehotel and now this.This hotel is located in a village in Sweden, whose name I’m not even going to try to pronounce because I will definitely end up butchering it and I don’t want to anger any Swedish viewers. What’s pretty interesting about this hotel is that, like the name suggests, it’s entirely made out of ice, from the walls to the bed you sleep in. Since the hotel melts away every year the architects who design it come up with new plans the following year and create a brand new hotel fit for any ice queen.

Title Transfer Holding | Top 10 Beach Resorts in the World

The Top 10 Beach Resorts in the World as chosen by Hotels Combined the world's leading hotel price comparison website. Hotels Combined allowing you to find the best hotel prices from the top travel sites in one simple search. Finding the best hotel deal is easy!

Title Transfer Holding | How to Buy Real Estate without Cash or Credit

Title Transfer Holding | How to Make Money in Real Estate

Thanks for watching me reveal exactly how to make money in real estate investing!

There’s a lot of different ways in making money in real estate, but with THIS specific strategy I said in the video, is THE STRATEGY you need for making the most money with the least time, effort, and risk.

If you enjoyed, please hit Subscribe and I'll see you again next week for another real estate investment tip, "Popular Questions Answered", or some solid real estate game plans!

Title Transfer Holding | Real Estate Investing 101 What Every Investor Must Know

Title Transfer Holding | Best of 2016: The most visited attractions in the USA

Sometimes when you're looking for a vacation destination, it pays to follow the crowd. Scroll through the galleries of the most visited monuments and memorials, national parks, theme parks and museums throughout the USA for some ideas for your next trip

 Read More......

Title Transfer Holding | Obama preparing to penalize Russia for hacking

WASHINGTON — The Obama administration is preparing to penalize Russia over the hacking of Democratic officials during this year's presidential election and could take action very soon, officials said Wednesday.

Anticipating an imminent announcement, Russia continued to deny the hacking allegations and condemned reports of new sanctions as "provocation directed by the White House.”

Foreign Ministry spokeswoman Maria Zakharova told reporters: "To be honest, we are tired of lie about the 'Russian hackers,' which is being poured down in the United States from the very top."

President Obama told reporters earlier this month he would retaliate against the Russians but noted that his actions may or may not be made public.

"Our goal continues to be to send a clear message to Russia or others not to do this to us, because we can do stuff to you," the president said.

The Obama administration and U.S. intelligence agencies have accused Russia of getting involved in the election in an effort to help Donald Trump win. Read More......

Title Transfer Holding | New regulations that could impact your finances in 2017

The New Year rings in a few federal regulations that could impact your wallet and savings accounts.

With no major tax legislation taking effect in 2017, the changes are not as drastic as in past years. For example, Roth and Traditional IRA contribution limits will stay the same, capped at $5,500 for individuals under 50 years old and an additional $1,000 contribution for individuals 50 and over.

“This is a pretty quiet year,” says Eddie Patat, a CPA and owner of Turner and Patat, an accounting firm in Athens, Ga.

However, low-wage employees, individuals who work with financial advisers, college students, and Hurricane Matthew victims could earn and save a bit more, with these four rules and tax benefits in 2017.

Higher minimum wage

Millions of workers will pocket more each week due to minimum wage increases in 21 states.

The first state to do so will be New York, raising its minimum wage from $9 hourly to up to anywhere between $9.70 and $11 per hour on Dec. 31, 2016.

Eighteen states will raise their minimum wage beginning Jan. 1, 2017: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Maine, Massachusetts, Michigan, Missouri, Montana, New Jersey, Ohio, South Dakota, Vermont, and Washington.

Some of these states — Alaska, Florida, Missouri, and Ohio — will see wage increases of only 5 cents per hour. However, Washington and Massachusetts will see increases of a dollar, while workers in Arizona will have an extra $1.95 added to their wages each hour.

Workers in Maryland, Oregon, and Washington, D.C., won’t see their wages rise until July 1. Read More......

Title Transfer Holding | 7 New Year's Eve getaway destinations Lonely Planet thinks are perfect to welcome 2017

With Christmas Party season in full swing, you might not have got around to thinking about your New Year's Eve plans just yet.

But if the thought of another house party where you try to avoid a midnight kiss from someone you really don't like while making up the words to Auld Lang Syne makes you wish it was 2017 already, it might be time to think bigger.

London's Thames spectacular and Edinburgh Hogmanay are the default UK destinations for a bit of a treat and some fancy fireworks, but the New Year will be welcomed all over the world, so why not set your sights on somewhere more exotic?

Lonely Planet has selected seven getaway destinations its experts think can make your 2017 start with a bang. And if you don't fancy a last-minute trip this month, start planning to join the celebrations next year...

1. Matera, Italy

 

Matera, in southern Italy, is a Unesco world heritage site and holds a number of open-air festivals and celebrations.

Lonely Planet says: “Explore the town’s labyrinth of narrow alleys, and look out for the Presepe Narrante Di Matera, a ‘live nativity scene’ spread over 5km featuring 150 costumed performers.”

Ryanair flies from London Stansted to Bari , which is a train ride away. An early New Year's Eve flight is available for just £20 although return flights are more pricey. Booking.com has hostel beds from £18 and B&Bs from £50.

The ghostly quiet lower district is made up of a maze of alleyways and staircases leading to around 3,000 cave and cliff dwellings called sassi that have been shaped into the rocky hillsides, probably originating in the 8th to 13th Centuries as refuges for monks.

Now, you can stay in them. Some of the rooms at the Hotel Sassi are cave rooms and are the perfect way to live like Fred Flintstone. Read More......

Title Transfer Holding | 10 smart insurance resolutions for 2017

Insurance is a financial safety net for when life just doesn’t go your way, but that doesn’t mean you should ignore it when things are going well. Here are 10 things you can do in 2017 to strengthen your net and avoid common insurance claims.

1. Make a home inventory

After a fire or natural disaster, you want the insurance claim process to go as smoothly as possible. Making a list of items in your home before a disaster occurs helps guarantee you won’t forget to claim anything, but 48% of homeowners say they don’t have an inventory, according to the Insurance Information Institute.

2. Read your insurance policies

The key to making a claim is understanding your policy. For auto and home insurance, look for the policy’s declarations page. For health insurance, look for the summary of benefits.

Make sure you understand the limits and deductibles of each policy, along with the copayments and coinsurance for health insurance. 

3. Quit smoking

If you smoke, your insurers want you to quit. Both health and life insurance typically cost less for nonsmokers, and your health plan might even help by paying for counseling and medication to help you quit.

If you’re shopping for life insurance, you need to be smoke-free for at least a year to get nonsmoking rates, says Robert Wolfe, managing director of United Capital, a financial advising firm.

4. Improve your credit

Bad credit may be having a bigger impact on your car insurance bill than you realize. Credit history can impact your car insurance rates more than your driving record, according to Consumer Reports. Only California, Hawaii and Massachusetts ban the practice.

The worse your credit, “the higher the risk your insurer sees you as,” Wolfe says. Read More.......

Title Transfer Holding | The 'Big One' is coming in 2017: A total solar eclipse

NASA scientists are so pumped for the total solar eclipse of 2017, they've set up an official countdown several months out. Probably because a spectacle like this hasn't been seen from coast to coast across America in 99 years. Sean Dowling (@seandowlingtv) has more. Buzz60

The “Big One” is coming. 

In astronomical circles there is no greater, more spectacularly stellar event than a total solar eclipse. And at long last, we will have one in the United States in 2017. It anchors a host of other special sights in the sky this coming year that include the planets Venus and Jupiter as well as two potentially solid meteor showers.

The new year begins with a cool conjunction of the waxing crescent moon and the dazzling planet Venus on Jan. 1. Just after sunset, you can’t miss the exquisite pairing in the southwestern sky. On Jan. 2, they’ll be back for an encore – except this time the moon will have shifted between Venus and Mars. You’ll be able to watch the planets of love and war sticking close together all through January. Also note Jan. 31 when the moon comes back around to snuggle up to Venus and Mars once more. Read More.....