Click on one of the links below to find events in your area for December 2017!
Taking the kids trick-or-treating can feel like a daunting task for some. From coordinating the costume, neighborhood(s) to visit, safety concerns and more – there are a lot of moving pieces that can feel overwhelming. Thankfully we have some great tips to help you make it through this Halloween with peace of mind. Take a look at the tips below and/or click on the link at the bottom so you can print the information to take with you!
ALL DRESSED UP
• Plan costumes that are bright and reflective. Make sure that shoes fit well and that costumes are short enough to prevent tripping, entanglement or contact with flame.
• Consider adding reflective tape or striping to costumes and Trick-or-Treat bags for greater visibility.
• Because masks can limit or block eyesight, consider non-toxic makeup and decorative hats as safer alternatives. Hats should fit properly to prevent them from sliding over eyes.
• When shopping for costumes, wigs and accessories look for and purchase those with a label clearly indicating they are flame resistant.
• If a sword, cane, or stick is a part of your child’s costume, make sure it is not sharp or too long. A child may be easily hurt by these accessories if he stumbles or trips.
• Obtain flashlights with fresh batteries for all children and their escorts.
• Teach children how to call 9-1-1 (or their local emergency number) if they have an emergency or become lost.
CARVING A NICHE
• Small children should never carve pumpkins. Children can draw a face with markers, then parents can do the cutting.
• Consider using a flashlight or glow stick instead of a candle to light your pumpkin. If you do use a candle, a votive candle is safest.
• Candlelit pumpkins should be placed on a sturdy table, away from curtains and other flammable objects, and should never be left unattended.
HOME SAFE HOME
• To keep homes safe for visiting Trick-or-Treaters, parents should remove from the porch and front yard anything a child could trip over such as garden hoses, toys, bikes and lawn decorations.
• Parents should check outdoor lights and replace burned-out bulbs.
• Wet leaves should be swept from sidewalks/steps.
• Restrain pets so they do not inadvertently jump on or bite a Trick-or-Treater.
• A parent or responsible adult should always accompany young kids on neighborhood rounds.
• If your older children are going alone, plan and review the route that is acceptable to you. Agree on a specific time to return home.
• Only go to homes with a porch light on and never enter a home or car for a treat.
• Because pedestrian injuries are the most common injuries to children on Halloween, remind Trick-or Treaters:
• Stay in a group and communicate where they will be going.
• Carry a cell phone for quick communication.
• Remain on well-lit streets and always use the sidewalk.
• If no sidewalk is available, walk at the far edge of the roadway facing traffic.
• Never cut across yards or use alleys.
• Only cross the street as a group in established crosswalks (as recognized by local custom). Never cross between parked cars or out driveways.
• Don’t assume the right of way. Motorists may have trouble seeing Trick-or-Treaters. Just because one car stops, doesn’t mean others will!
• Law enforcement authorities should be notified immediately of any suspicious or unlawful activity.
• A good meal prior to parties and Trick-or-Treating will discourage youngsters from filling up on Halloween treats.
• Consider purchasing non-food treats for those who visit your home, such as coloring books or pens and pencils.
• Wait until children are home to sort and check treats. Though tampering is rare, a responsible adult should closely examine all treats and throw away any spoiled, unwrapped or suspicious items.
• Try to ration treats for the days following Halloween.
Q: The “owner’s” title insurance on our home was issued through your office. The value of the property has increased due to construction done last year. Can we get additional coverage for the new value?
A. One way we can help to address this situation is by a “reissue” of the owner’s coverage for the higher value. This may be available provided there has been no change of ownership. The process can also be used to change the form of coverage. One example is where the original policy was CLTA Standard coverage. However, now the property qualifies for the more comprehensive “ALTA/CLTA” Homeowner’s policy. In each case, all the usual “title” concerns exist. It may be necessary to provide an appraisal or other material supporting the new value. Post-policy matters such as easements or restrictions would need to be shown on the reissue policy. In addition, taxes and possible mechanic’s liens will have to be addressed. Each case is unique. Contact our Title Department for help with your situation.
A new partnership between Quicken Loans and eOriginal takes the digital mortgage to the next level and helps bring it to the secondary market.
Through the partnership, Quicken Loans’ end-to-end online mortgage platform, Rocket Mortgage, will be able to digitally create an electronic note, and securely store it as an authoritative copy with delivery to both custodians and the secondary market.
The electronic place the eNote is stored is known as the eVault. A break down of all the digital mortgage terms can be found here.
eOriginal added that the eNote will accelerate the time between origination and replenishment of capital, which is a part of the mortgage process that has struggled to go digital.
“Quicken Loans has worked diligently to provide clients a completely online mortgage experience from application to closing. The next step in this evolution is to digitally move the note to the industry stakeholders who need it,” said Jay Farner, Quicken Loans CEO.
When Quicken Loans first unveiled the first-ever digital mortgage nearly two years ago, the industry was quick to point out that the closing process failed to live up to the digital standard.
Users would complete most of the mortgage process online and then hit a roadblock when it was time to close the loan.
However, as of late, the industry has started to make a lot of progress in electronic closings.
Earlier this month, Quicken Loans’ sister company, Title Source, an independent provider of title insurance, valuations and closing services, announced it partnered with the eClosing platform company Pavaso. Title Source’s partnership with Pavaso allowed Quicken Loans’ clients to finish the mortgage process online.
“Our goal is to provide a closing experience that is fast and easy, both for the closing agent and the client they are helping,” said Title Source Chief Operating Officer Brian Hughes on the announcement. “Rather than dealing with a mountain of paperwork, a digital closing allows clients to scroll through every page of their closing package, eSigning each document as needed.”
This latest announcement with eOriginal now takes the eClosing one step further and gives Rocket Mortgage the ability to create an eNote and store it in an eVault.
The announcement explained that from an investor perspective, the eNote is the most critical component of a mortgage transaction.
And the digital concern to investors has been enough to hold up the final stages of the closing process and moving into the secondary market.
Nancy Pratt, Pavaso vice president of Partner Relations & Government Affairs, previously explained that a hybrid closings are necessary since many investors still require a physical, rather than digital signature for certain closing documents.
The hold up wasn’t due to the capability to make this part digital but from investors only accepting wet signatures.