To say Mom was listening with only half an ear would be giving her far more credit than was due. That's not really a judgment of her, I suppose; you know how moms are sometimes. And I am sure there are moments when Junior has her undivided, if feigned,...
Luxury Living - Make Yourself at Home
Posts made by author 'Heather Neill'
Appalachian Anecdotes
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September
19
19
DO I NEED BUYER’S TITLE INSURANCE? -- Part II
My previous blog regarding buyer's title insurance (aka owner's title insurance) outlined the differences between lender's and owner's policies, and some of the serious pitfalls of not purchasing your own title policy at closing. An owner's title policy is different from a lender's title policy; it protects the homeowner from things a title search might have missed. It's a one-time payment made at closing, probably $300-$400, which covers the you for as long as you own the home.
But don't just take it from me. Bridget is a title insurance provider for a major title insurance company. She was kind enough to contribute this blog, and summed it up far more eloquently than I could. Here's what she has to say.....
"As a WV ti...
September
15
15
DO I NEED BUYER’S TITLE INSURANCE? -- Part I
As both a real estate and mortgage broker in the state of Florida for many years, when I moved to my real estate company to West Virginia, I was surprised at the many differences between how things are done 
in the Sunshine and Mountain States.
In real estate there is national law, state law, and just plain how-we-do-it-around-here. That latter category covers a surprising number of things, including who pays for what at closing, how commissions are shared between Realtors, home inspections, and terminology, to name a few.
One of the big differences is that, in West Virginia, buyers rarely purchase Buyer's Title Insurance (also known as Owner's Title Insurance, or an Owner's Title Policy) at closing. In Florida, virtually all buyers are provided with owner's title insurance, which is customarily paid for by the seller. Here in the Mountain State,...
December
15
15
A Frank Critique of Home Chef - Part I
There was a time in my life I would never have dreamed of ordering my meals all prepped in a little box, with bits and pieces diced and sliced in packages. I'm too snooty about my cooking which, quite frankly, is pretty darn good (if I do say so myself). A really good meal takes time and thought; it's a gift, lovingly prepared, to those for whom you prepare it.
But that was back in the good ol' days, when life was somehow less insanely busy than it is now. I don't know what happened to those days. I keep waiting for life to get back to "normal," but have slowly succumbed to the realization this harried state of frenetic activity is the new norm. I find myself standing in front of an empty refrigerator night after night (often having skipped lunch) because, once again, I didn't have time to make it to the grocery store. I keep hoping the maid will have supper ready when I get home. Then I remember I don't have a maid and stand over the sink eating a...
August
27
27
Saving Tomato Seeds - Now That's Italian!
I confess, I am not Italian. I could not be more proud of my Scotts-Welch heritage: the indomitable, against-all-odds strength of my ancestors, the unsurpassed beauty of the rugged highlands purple with heather. The first time I flew into Scotland, I cried as the plane circled Edinburgh. It was like coming home. "Amazing Grace" played on the bagpipes just slays me. And, ah yes, men in kilts!
But if I had to pick another heritage, Italian would be a top contender. Such an incredible history Italians have, with so many brilliant contributions to the modern world. Explorers, inventors, artists…Columbus, Marco Polo, Michelangelo. Lest we forget, Joltin' Joe and Sophia Loren. Romeo and Juliet...only a couple...
Bill Porter, Broker
(304) 612-3746207 Aurora Dr
Morgantown, WV 26508
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