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Inspiration for Today: Committee Comfort!

by Rob Zwemmer

INSPIRATION FOR TODAY:

"Strength of numbers is the delight of the timid.
The Valiant in spirit glory in fighting alone."
- Ghandi


COMMITTEE COMFORT!

It has been said that "a camel is a horse created by a committee." You've probably witnessed the process yourself. You put any twelve decision-makers in a room together, and they can't seem to make a decision at all. Worse yet, they create something that is comfortable to all members - a camel of their own making.

Ghandi says numbers are the "delight of the timid." At some time or another, we all want the comfort of being surrounded by others with interests common to us. Maybe it's on sales meeting day when the discussion turns into a gripe session. Maybe it's in the break room, around the proverbial "water cooler," or in a training class we've just taken. Wherever the group meets, the results are often the same - a lack of action backed up by all the reasons that justify the inaction.

Ghandi also says the glory is "in fighting alone." Look around. Do you see one or two individuals who spend little of their time with the group? Sometimes called "loners," these are usually also the over-achievers, the top producers in life and business. They know where they're going and they don't need your approval to do it. The committee says they aren't "team players."

Being human, it is certainly normal to seek the comfort of others. In the case of those few individuals described as "the Valiant in spirit," however, their strength comes from their accomplishments. In each of us, there is also that "Valiant" spirit - the part of us that wants to strike out on our own. You can do that by resigning from the committees of your life. Elect yourself President and Chairman of the Board of your own future - and make it unanimous!

If you would like to learn more about luxury homes in La Quinta, California, or surrounding areas please visit our site at:

http://www.desertonline.com/

If you would like to find out how much  your home is worth, please visit our site at:

http://www.desertmarketreport.com/

If you would like a list of bank owned Homes in the Palm Springs area, please visit our site at:

http://www.desertbankownedhomes.com/

Find us on Facebook!

Real Estate 411: What is Title Insurance?

by Rob Zwemmer

What is Title Insurance?

Wonder why you have to have Title Insurance? Are you unclear what Title Insurance is and what it provides? Below you will find answers to your Title questions, which have been provided by Clayton Ross at Orange Coast Title Company of Southern California:

The purchase of a home is probably the single largest investment you'll make in your lifetime. It is only prudent that you want to safeguard your rights and investment. Title insurance assures that your rights and interests to the property are as expected, that the transfer of ownership is smoothly completed and that you receive protection from future claims against the property. It is the most effective, most accepted and least expensive way to protect your ownership rights.

Because land endures over generations, many people may develop rights and claims to a particular property. The current owner's rights - which often involve family and heirs - may be obscure. There may be other parties (such as government agencies, public utilities, lenders or private contractors) who also have "rights" to the property. These interests limit the "title" of any buyer.

Before your Real Estate transaction closes, the title company performs an extensive search of all recorded documents related to the property. These records are then examined by experienced title officers to determine their effect on the current status of ownership and a report is issued to you or your agents for review. This thorough examination generally allows any pending title problems to be identified and cleared prior to your purchase of the property.

If title insurance companies work to eliminate risks and prevent losses caused by defects in the title before the closings, why do you need a title insurance policy?

Because even after the most careful research, some title flaws may go undetected. Among the more common flaws to title which are not of record are forgery, invalid court proceedings, mistaken legal interpretations, defective deeds, confusion due to similarity of names, previously unrecognized rights of spouses and undisclosed heirs. These problems may surface at any time in the future.

Protection against these flaws and other claims is provided by the title insurance policy which is issued after your transaction is complete. Two types of policies are routinely issued at this time: an "owners policy" which covers you, the homebuyer for the full amount you paid for the property; and a lender's policy which covers the lending institution over the life of the loan. When purchased at the same time, you can obtain a substantial discount in the combined cost of an owner's and a lender's policy. Unlike other forms of insurance, your title insurance policy requires only one moderate premium for a policy to protect you and your heirs for as long as you own the property. There are no renewal premiums or expiration date.

Each policy is a contract of "indemnity". It agrees to assume the responsibility for legal defense of your title for any defect covered under the policy's terms and to reimburse you for actual financial losses up to the policy limits.

This insurance protection is an important follow-through of the service you receive from Orange Coast Title Company.

If you have additional questions please contact Rob Zwemmer at 760-541-7000 or visit www.DesertOnline.com.

If you would like to learn more about luxury homes in La Quinta, California, or surrounding areas please visit our site at:

http://www.desertonline.com/

If you would like to find out how much your home is worth, please visit our site at:

http://www.desertmarketreport.com/

If you would like a list of bank owned Homes in the Palm Springs area, please visit our site at:

http://www.desertbankownedhomes.com/

We are also on Facebook!

Giving Back: Lending a helping hand to abused children

by Rob Zwemmer

Giving Back: Lending a helping hand to abused children

9:26 PM, May. 7, 2011
Written by
Nina Ronda
The Desert Sun

In this weekly feature, The Desert Sun spotlights valley firms performing good deeds.

Here the focus is on two local groups showing goodwill during April's National Child Abuse Prevention Month.

Disneyland outing

In support of National Child Abuse Prevention Month, Realtor Rob Zwemmer of Keller Williams Realty in La Quinta, sponsored a day trip for 12 at-risk children and their parents to Disneyland in conjunction with the Olive Crest organization.

Since 1973, Olive Crest Homes and Services for Abused Children has brought hope and helped create bright, positive futures for abused, at-risk and neglected children.

Currently, about 1,000 children and families are served by Olive Crest.

Zwemmer and the Keller Williams Group are proud to contribute to the efforts.

“This is such an important cause that everyone should get involved in.

“The care and safety of children is a growing concern as many families are torn apart by economic issues, mental illness, all sorts of major challenges.

“Unfortunately, it impacts the children of the household negatively.

“It is so gratifying to be able to partner with Olive Crest and offer this special day for these local kids,” Zwemmer added.

Information:

• Olive Crest, Rebecca Brown, associate development director (760) 341-8507; www.olivecrest.org/dc

• Rob Zwemmer, Keller Williams Realty (760) 880-9996; rob@desertonline.com

500 Teddy Bears

In recognition of April as National Child Abuse Prevention Month, Desert Outreach Foundation distributed 500 teddy bears during its annual Teddy Bear program to local organizations dealing with children in crisis.

Founded in 1994, the all-volunteer, nonprofit group's Teddy Bear program has enabled desert area police, emergency rooms and abused children's centers to provide comfort to more than 6,000 children in crisis.

The Desert Outreach Foundation is dedicated to supporting young people of merit with their academic endeavors and comforting children in crisis at local care and treatment facilities.

The foundation also has provided more than $160,000 in scholarships to more than 60 students.

For additional information, call Jack Williams, Desert Outreach Foundation president, at (760) 831-9046.

What is your business doing to give back to the Coachella Valley?

Share your thoughts with us by e-mailing Nina Ronda at nina.ronda@thedesertsun.com for our feature The Business of Giving Back.

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Inspiration for Today: Ever Been Criticized?

by Rob Zwemmer

INSPIRATION FOR TODAY:

"I am looking for a lot of men who have an infinite capacity to not know what can't be done."
~ Henry Ford


EVER BEEN CRITICIZED?

If you've ever had a dream - you've also had critics. It seems they show up right on cue every time that special new dream begins to form. Critics come in the form of family members, employers, friends, and associates.

Interestingly, the only opinion worth listening to is your own. The opinions of others simply reflect their own limitations - and have nothing to do with the achievement of your dreams. Just imagine how shallow the world would be today if the following individuals had listened to their critics:

Arnold Schwarzenegger's family said, "How long will you go on training all day in a gymnasium and living in a dream world?"

Mary Kay Ash's attorney advised two weeks before her first store opening, "Liquidate the business right now and recoup whatever cash you can. If you don't, you'll end up penniless."

His teachers to Ray Charles: "You can't play the piano, and God knows you can't sing. You'd better learn how to weave chairs so you can support yourself."

What Diana Ross heard her teacher say when auditioning for a high school play: "You have a nice voice, but it's nothing special."

Have a dream? Live it, pursue it, and achieve it - with a passion!

If you would like to learn more about luxury homes in La Quinta, California, or surrounding areas please visit our site at:

http://www.desertonline.com/

If you would like to find out how much  your home is worth, please visit our site at:

http://www.desertmarketreport.com/

If you would like a list of bank owned Homes in the Palm Springs area, please visit our site at:

http://www.desertbankownedhomes.com/

We are also on Facebook!

Gratitude - Disneyland with Olive Crest Families

by Rob Zwemmer

By Sara Puma, Executive Assistant to Rob Zwemmer

Last Tuesday April 26, 2011, Rob Zwemmer paid for 12 kids and their foster parents to spend the day at Disneyland, and I was fortunate enough to join them.  We had a blast!  The children were so excited, as most of them had never been to Disneyland.  Having gone to Disneyland once or twice a year as a kid, I was amazed.  So many of us are so fortunate, and we don't even realize it.

After a nice lunch with the whole group, Rob and I joined two sets of the parents and three of the kids.  We rode on Finding Nemo Submarine Voyage, Buzz Lightyear Astro Blasters, Autopia, and Space Mountain (only the older children went on that one).  It was exciting to watch the kids on these rides, and to share those moments with them. They made my heart sing. 

While standing in line Rob and I couldn't help but ask question after question about what these foster parents did for their children.  We learned so much.  It turns out they are volunteers and aren't part of a state funded foster program.  Amazing.  Some people really do have a higher calling. 

One of the highlights was when the youngest girl, who is five years old, asked her foster parent if she could hug Rob.   It was precious.  I am so grateful for people like Rob who go out of their way to provide a fun filled day for kids who aren't as fortunate as others, and for people like the foster parents, who love so much, that they are willing to put other people's children at the top of their priority list.  It was a memorable day spent with amazing people.

Olive Crest has brought hope and helped to create bright, positive futures for abused, at-risk and neglected children by providing safe homes, counseling, and education for both youth and parents.  If you want to get involved and volunteer please visit:

http://www.olivecrest.org/site/PageServer?pagename=ie_help_volunteer

If you would like to learn more about Luxury Homes in La Quinta, California, or surrounding areas please visit our site at:

http://www.desertonline.com/

If you would like to find out how much  your home is worth, please visit our site at:

http://www.desertmarketreport.com/

If you would like a list of bank owned Homes in the Palm Springs area, please visit our site at:

http://www.desertbankownedhomes.com/

We are also on Facebook!

Displaying blog entries 1-6 of 6

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