Category Archives: Home Ownership

Fixed Fees for purchase and sale work—an idea whose time has come

Condominium, Home Ownership, Mortgages, real estate law

When I first started practicing law, it was accepted practice to bill matters by the hour. After all, the only thing I was selling was my time, and if I spent more time on a matter than I expected, why shouldn’t the client compensate me for that effort? While these axioms remain true, the marketplace has changed, and consumers are now aware that “shopping” for an attorney is no different than shopping for any other service or commodity. Because of these trends, and because I want everyone I represent to believe they have been well served and fairly charged for services, my firm now uses a “fixed fee” approach to almost all real estate transactions. My practice is to enter into an initial discussion with the client to determine the level of complexity of the transaction, and then to agree upon a fee, which will not change even if the transaction goes viral, and I spend more time on the matter than anticipated.

Accordingly, if you work with Topkins & Bevans for the purchase or sale of your home, you will know, up front, what the matter will cost you, and you can factor that expense into your budgeting process.

There are several inherent advantages to this approach:

  1. You and our firm establish a relationship of TRUST, our most important product.

If you believe that you are working with honorable professionals, you will feel comfortable telling your friends and family about us, and that helps Topkins & Bevans to expand our client base. You may also feel comfortable using our firm for other legal matters which may arise, including helping you develop an Estate Plan for your family.

  1. You are not hesitant to email or call when you have a question.

Many people worry about calling when the meter is “on”. They have concerns, but they do not want to expand the amount of their legal fee. Fixed fee billing eliminates that factor from the equation. When the pressure is off, people communicate better. On the other hand, the situations are few and far between where a client takes unfair advantage of the fixed fee approach.

  1. We get all the information from you that we need to give you appropriate representation.

Our firm has real estate experience at almost every level. We have completed condominium conversions. We have prepared subdivisions. We are familiar with current lending practices. None of this expertise will help you unless we know all the facts of your situation. When you are not worried about the added cost, you can open up and give us good information. That usually translates to our being able to give you effective representation.

If you are considering buying or selling a home, we would love to hear from you. We will work with you on a fixed fee basis and even defer payment of some, or all, of your fee until the closing. There is nothing better in our line of work than a satisfied client, and that is what we aim for, each and every time.

Own a Home?—Some things to Consider

Home Ownership, Mortgages, real estate law, title

Home-ownership is often complicated, and never exactly what you expect. Nothing you have done previously in your life can prepare you totally for owning a home. Don’t get me wrong: there is not a greater believer in home ownership than I. All I am saying is that there are some definite steps you should be taking, and moves you should be making, and the sooner you get things organized properly, the easier you will find the home ownership experience. Here is my list of “do’s” and “don’ts”, in no particular order of importance:

  1. DO file for a Homestead. I do deal with Homesteads each and every day. There is no downside to recording the Homestead Declaration, unless you think a $100 dollar investment to protect $500,000 is not a good deal. How you will employ your Homestead when it is necessary is not something you can predict. Just understand that you only need to file a Homestead once, and it will endure through countless refinancing transactions. A Declaration of Homestead is truly “the gift that keeps on giving”.
  2. DON’T be a careless record keeper. The current tax laws are extremely favorable to middle-class America. If you have lived in your home for at least 2 of the last 5 years, you can sell your home and not pay any capital gains tax to a maximum exclusion of $250,000 for a single person and $500,000 for a married couple. Especially these days, that exclusion covers most of us, and we can make one, two or more transactions without any concern for paying the tax man. Well, there is no guarantee that our law makers will continue this tax benefit forever. What if fiscal needs require the termination of this program? Are you ready to recreate your tax basis in your home? Do you have records of improvements and additions which can be added to your tax basis? The time to determine whether you do is NOW, not when you are staring down the barrel of a tax audit.
  3. DO be a believer in preventive maintenance. Letting needed repairs slide is not a good idea, even in a recession. If your roof is not sound, or you need new windows, get the work done before greater woes befall you. You may find that the payback with new windows on energy costs justifies the expense. Ditto with needed insulation. Attend to these items as they are needed. You will receive the benefit.
  4. DON’T wait too long to consider Elder Care transactions with regarding your home. If you are fortunate, and have children you can trust, you may want to consider getting your home out of your name and into a Grantor Trust. These Trusts can be helpful later on, but there are waiting periods in place to prevent abuses and every time they change, they seem to get longer. Don’t let this go so that when you decide you want to make a move, you too close to need attendant care to insulate your assets. Again, each circumstance is different, but certainly 60 years of age is not too early to start planning.

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Home Ownership,

Lenskart Scam!!! Beware!!! Fake Sunglasses!!!! ray ban glasses 2019 Rayban

Apple’s iOS and OS X messaging product iMessage is used by millions upon millions of people around the world, and for the most part, it’s a great service. Fake aircraft parts have even been implicated in numerous fatal crashes, some of which involve our soldiers and airmen. And if the movie is still playing at the theater down the street, chances are that the DVD of that movie is a fake.  In just one case, a private investigator working for ray ban shooter prescription sunglasses an attorney representing major consumer products manufacturers posed as a customer in search of fake Cartier watches.  Topping the list of most popular sunglasses in the world is the well-known brand of Prada.

Ayscough seemed to be absolutely certain, that blue or even green tinted glasses could probably solve specific vision problems. There are brands like Ray Ban or Oakley which have come up in the market on their own. There is not a single celebrity out there ray ban rb8301 carbon fiber who doesn’t know what the importance of Sunglasses is! Lately it can be noticed that Sunglasses with big lenses are a big hit with the women. The ray ban sunglasses fake or real classy Marc MMJ 415 is yet another example for prescription eyeglasses disguised in a designer frame. If you need a pair of women’s eyeglasses with a sophisticated silhouette, the ray ban e store MMJ 401 will be perfect!

So if you are looking for aviator sunglasses for men and only want the real deal, then look no further than Ray Ban as the brand continues to offer quality shades to this day. While you can easily find cheap deals online or at department stores, more than likely the sunglasses are going to be made of flimsy material.

Usually black or brown, Ray Ban wayfarers can also come in a calico or turtle-shell print. Since Ray Ban sunglasses are some of the most popular, and are one of the oldest sunglasses brands, they have other distinctive styles of sunglasses. With small trapezoidal lenses and only the wayfarer frame ray ban sunglasses bangalore prices on the top and sides, the wire rims the lenses and makes these glasses an interesting alternative. The Ray Ban caravan is also popular and retains the wire frames all the way around, and the wayfarer lenses. Make sure there are no open spaces between the frame edge and that of your replacement lens.

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Home Ownership,

Kaenon Eyewear Brand Spreads The G. Love

The brand Ray Ban is ray ban titanium frames 8582 worldwide known and one of the most popular brands in the sunglasses industry. Ray ban aviators are more uni sex and look very cool; Tory Burch aviators are ray ban model 3393 more feminine and suitable for a girly woman. If you check the history of some popular brands such as ray ban sunglasses you will understand the changes they have undergone in their sunglasses over all these years.

So if your budget allows you to buy one pair of sunglasses, Ray Ban 2132 would be a wise choice as they will never go out of style ray ban transition reading glasses and yet can be worn for several types of occasions. Ray Ban polarized sunglasses use this to their advantage and benefit with the help of one of these properties, something called polarization. Ray Ban polarized sunglasses are most often used in those situations, in which the wearer needs to be able to see clearly, but also needs to filter out all of the harmful glares of the sun. Some Ray Ban polarized sunglasses also come with color tinting for proper and ultimate visibility in particular conditions, such as in the snow.

For crests and military patches and antique brooches to add on to jackets, blazers, or plain T-shirts, eBay and Bonanzle are wonderful resources for the patient shopper. One of the best spaces to shop online are coach outlet EBay is one of the leading retailers on the Internet. She even repeats staples without ray ban p rb 8304 a care, wearing the same geometric Satine top and Ray Ban New Wayfarers she did in the first season. Would you believe I have bought a classic signature Coach bag for you that will help you to do shopping at eBay. If you are a new customer to Coach, and you want to use outlet coupons to reduce the price of your bag, you may can buy some coupons on ebay.

The idea of having Ray Ban wayfarer sizes is one of the ray ban uk lense replacement reasons why it is loved by ray ban wayfarer sunglasses with internal london print most people. Go to the nearest shopping mall and have a grab of the Ray Ban wayfarer that fits you! As I go on my research, I have found out that the Famous Ray Ban Wayfarer comes in a variety of sizes.

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Home Ownership,

Ray Ban Aviator Sizes

Spring Florals: Oscar De la Renta always does a great job with the flower prints. When we step ray ban aviator sunglasses online shopping into pure fashion territory, it is Chanel who give lessons to Ray Ban – who offer only a few dressy collections, namely Cats and Jackie Ohh Bug-eyed, Oval Butterfly designs dominate the ray ban rx5187 tortoise selection, coming in a wide range of colors, in turn arranged in single, two-tone, and other palette combinations.

Choosing The Right Sunglasses With a wide range of designer, sports, and prescription sunglasses available you can be sure of picking the right pair every time. The Wayfarer sunglasses feature light gray, polarized UV 400 polycarbonate lenses mounted on matte-black ray ban classic metal round sunglasses plastic frames, which ray ban lenses 3n are made in Italy. The Ray-Ban Wayfarer style features an angled eye frame Ray Ban is probably the most recognizable sunglasses in the world they come in handy ray ban erika bordeaux when you drive. There are many brands but whenever people are asked ray ban wayfarer extra large to recall a name they have only been able to associate themselves with none other than Ray ban. Currently, the Ray Ban Aviator is one of the most popular styles of sunglasses in the world.

Since i have was a middle school student, I’d did start to wear prescription glasses to mend myopia. Therefore, I can compromise for the reality and wear identical couple of glasses for some time. With the advancement of technology and the progress of the eyeglasses industry, the Aviator sunglasses have come a long way. Ray Ban is a name to reckon with in the optical field and has always kept up with the expectations around the world
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Home Ownership,

Kids Ray Ban

The right pair of sunglasses that suit the face-cut can never go out of vogue. This is because Ray Ban is such a topmost brand in the world that many people want to have a try. Ray Ban polarized sunglasses ray ban 8610 frame are sunglasses that are especially designed to reduce the glare of the sun from particular surfaces, such as glass, water, and snow.

While classic black ray ban 79 tl Wayfarers will never go out of style, Ray Ban also currently offers a contemporary ray ban dealers in vijayawada color palette allowing you to display your ray ban sunglass hut price own style and personality. While these Ray Bans are perfect for a day at the beach, they are yet chic enough to be paired with the most cosmopolitan of ensembles. The optical firm Bausch & Lomb created the first pair of Ray Ban sunglasses in 1937 at the request of a professional hot air ballooner. The protection factor offered by the Ray-Ban is pretty higher, be it the UV ray protection, or the over-bright sunlight. Eye Wear and Sunglasses offers the following frames: Diesel, Escada, Ray Ban, Tom Ford and Jimmy Choo for example.

The majority of top ray ban aviator large metal 2 price luxury accessory designers are also following the lead of Ray Ban women’s sunglasses collection. Ray Ban women’s ray ban specs frame price sunglasses actually come with advantages and benefits far higher than any piece of jewelry that you may find since Ray Ban women’s sunglasses can actually keep you healthy. The brand Ray Ban is known worldwide and is one of the most popular brands in the sunglasses industry today.

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Home Ownership,

Look Hot In This Season’s Sunglasses

If you have a prescription for eyeglasses and don’t want to get them in a store, then this article is for you! The second reason for the love affair of female celebrities with their usually over-sized Ray Ban women’s sunglasses is that they also ray ban dealers in vijayawada happen to be today’s largest fashion accessory (though ray ban junior fille this may be attributed to the sudden influx of Ray Ban women’s sunglasses in the wardrobes of these female celebrities themselves).

This season, I would suggest one classic and simple pair, ray ban aviator crystal yellow one ray ban 3025 w0879 pair of Ray Ban imitation, one pair of aviators, and maybe one that’s a little over the top like the bright green ones or large statement making sunnies.

Whether it is ray ban sunglasses you want or any other type of designer brands for that matter, buy from a specialist and you won’t regret it. Not ray ban clubmaster vision direct the ski goggle type sunglasses that I like ray ban wayfarer sale india to do. So these, I did a square very angular, almost state trooperesque Ray Ban type look. In this regard, aviators have ruled the roost since their launch by Ray Ban in 1930s
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Home Ownership,

Features Of Top Sunglasses

The best choice to buy coach bags ray ban wayfarer 2 usa below $100 is fake coach bags at coach outlet ray ban 3460 price store online.  The glare of the sun tends to make a person’s vision far more difficult since light tends ray ban sunglasses cats to hurt the human eye and obscure details that could be hidden behind it. Ray Ban’s conventional sunglasses may block out the glare of the sun, but they also tend to completely block ray ban vagabond prezzo out subtle details that can be found around the wearer’s environment that could be harmful and potentially very dangerous.

Ray Ban polarized sunglasses are specifically designed for outdoor activities and generally come in ray ban aviator sunglasses in chrome a wide variety of different configurations that ranges from lightly-tinted and mildly polarizing to heavily-tinted and strongly polarizing.

Because of the vertical polarizing orientation of Ray Ban polarized sunglasses, they have become the perfect accessory to use ray ban sunglasses new wayfarer rb2132 in dealing with reflective glare conditions, although it may still depend on which angle the light is coming from.

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Home Ownership,

Women’s Sunglasses Trends 2010

Ray Ban Eyeglasses coact to accord a person the Replica Ray ray ban aviator sunglasses wikipedia Bans Livestrong ray ban style 4181 Flak anorak Shades. All of our Ray-Ban® Sunglasses are ray ban aviator brown classic b 15 the real deal and we stock a great choice of different coloured Ray-Ban® Wayfarer® Sunglasses but if you have been ray ban wayfarer coupon duped by a pair of fake ray bans before, let us know how you figured it out in the comments box below you crime-busting trendsetters.

Other brands have followed since, nevertheless it was Ray Ban that started it. They eventually learned that frames made of graphite are ideal for sunglasses since it lets them be very lightweight while at the same moment ray ban aviator 3025 wholesale both strong and flexible.

Note that some of the aviator or thin-metal styles do not have the etching on the exterior of the temples, though you should still find it somewhere on the frames. Eyeglasses can be made with single lenses that correct for distance or up close, or they can be made with multifocal lenses, which correct for distance and reading. Glass was the ray ban case study original material for spectacles and has great optical clarity, but the lenses can become heavy in stronger prescriptions.

But comparing this the duplicate ones are branded frames like Ray Ban, Giorgio Armani, Versace, Ralph Lauren, Guess,etc can be duplicated so you can easily locate the same spectacle frame at the local storewith differernt price.

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Home Ownership,

How To Tell Real D&G Sunglasses From Fakes (5 Steps)

Is the fastest growing online community selling affordable yet high quality prescription eyeglasses, cheap glasses china and other eyewear. Before buying sunglasses you should make sure that the sunglasses distributor is licensed to sell sunglasses. If you want to buy replica celebrity shades then you should check out the entire collection of replica sunglasses at an online store.

The NFL has been criticized in the past four months after being seen as soft on domestic violence following the case of Ray Rice, the Baltimore Ravens star who knocked out his then-fiancee and was suspended for two games.

The Ray Ban Aviator became a well-known style of sunglasses when General Douglas MacArthur landed ray ban diamond hard lens on the beach in the Philippines in World War II and photographers snapped several pictures of him wearing them.

It is also equipped with top quality lenses that effectively blocks infrared, radiations, UV rays and blue light. Polarization is the most common expertise ray ban havana red used by several eyewear makers ray ban glasses 5187 in a way of applying film ray ban small aviator filters on the lenses that provides excellent optical performance and protection. Originally developed to be used by pilots during their flight ray ban aviators mens sunglasses missions, Ray Ban was the first to manufacture a pair of aviator ray ban wayfarer ebay fake sunglasses dating way back in 1936.