| Movers' Bills of Lading |
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| A bill of lading is a document that is prepared by a mover when a customer contracts for the transportation and delivery of a shipment of furniture and furnishings. The bill of lading is the mover's receipt for the household goods and the contract for their transportation. It is not a contract, but it does form part of the contract between the mover and the customer.More... |
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| Insuring Your Real Estate against Liability |
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| A homeowner, a landlord, or a tenant may be subject to liability if someone is injured on the premises. If there is no insurance, the damages will have to be paid out of pocket. Various types of insurance policies can shift liability from the property owner to an insurance company in exchange for the payment of premiums.More... |
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| Closing Costs |
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| For most of us, obtaining a mortgage loan is a very significant financial transaction. The issue of closing costs, whether the mortgage is for the purchase of a new house or to re-finance an existing obligation, is extremely important. In fact, the closing costs on a single real estate transaction can be several thousand dollars. While the items included as closing costs and the amount charged therefor differs from state to state, there are some closing costs attributable to nearly every mortgage loan. The closing costs fall into three specific categories: title fees, government fees, and the costs of obtaining the mortgage itself.More... |
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| Initiative and Referendum |
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| Initiative and referendum are two mechanisms by which the voters of a state can directly effectuate changes in the state law. Whether a particular state has an initiative process and/or a referendum process is determined by the constitution of the state. More... |
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| Timeshares |
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| A timeshare is an interest in real property. The nature of the interest varies somewhat, depending on the nature of the timeshare itself, but usually the buyer acquires the right to use a specified property during a certain period of time each year.More... |
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