Survivorship Deed FAQ - United States

Survivorship Deed FAQ - United StatesSurvivorship Deed FAQ - United StatesTerms in a Survivorship DeedWho are the parties in a Survivorship Deed?A Survivorship Deed includes the following partiesGrantor The person who is giving their interest in a property to someone else.Grantee The person who is receiving someone elses interest in a property.Note, you may have more than one grantor or grantee in your Survivorship Deed. Witness A person who observes the signing of the Survivorship Deed. This is only required in certain states and counties. Notary Public The person who authenticates the execution of the Survivorship Deed before it is submitted to the land records office.What does joint tenancy mean?Joint tenancy is when two or more people (usually a married couple) own undivided interest in a residential property or land. With a Survivorship Deed in place, when one of the parties in a joint tenancy dies, the other party (or parties) takes over the deceased partys interest in the prop erty instead of it passing to the deceaseds heirs or beneficiaries.What is right of survivorship?Right of survivorship refers to the right of the surviving party (usually a husband or wife) to take over their deceased partners interest in a property that they owned equal interest in without having to go through probate.What is survivorship community property?Survivorship community property is when each spouse owns half of the property as well as any and all debts that each spouse accrued. If one spouse passes away, the surviving spouse will receive the deceaseds interest in the property without having to go through probate, which can be time-consuming and expensive. Survivorship community property is only available in certain states and generally offers less protection to the parties involved than tenancy by entirety (when spouses own property together as one legal entity), since debt collectors can make claims against the property in reservierung to cover any debt.What is an encumb rance in a Survivorship Deed?An encumbrance is when someone who is not a property owner has a right to or share of interest in the property. For example, if there is a lien against the property, the person who holds the lien does not own the property, but they do own interest in the property. What is an exception in a Survivorship Deed?An exception in a Survivorship Deed means anything that may limit the title of property. For example, it could mean an encumbrance, like a lien, or a reservation, like if the owner wishes to retain partial rights to a property after it sells.What is consideration?Consideration in a Survivorship Deed is what the grantee (the person receiving the property) will give to the grantor (the person giving the property) in exchange for their interest in the title. In a Survivorship Deed, it is common for consideration to be a small amount like $1.00 as these documents are most often created between husbands and/or wives. Property InformationWhat is the legal d escription of the property?The legal description of a property is a description of the land that follows the public land survey system. It includes information about the location of the property, what the boundaries or property lines are, and any encumbrances or exceptions currently affecting the property.You should be able to obtain the complete legal description of your property from the County Recorders Office by providing your municipal address or tax parcel number (the 10-12 digit number identifying ownership and assessed value on your Tax Statement or Personal Property Listing Form).Signing and RecordingHow do I execute a Survivorship Deed?To execute your Survivorship Deed, you will need to complete the following actionsHave your Survivorship Deed signed by the grantor (person who will transfer property to someone else).Have your Survivorship Deed signed by the grantee (the person to whom the property will be transferred), depending on your state requirements.Have your Survivo rship Deed witnessed, depending on your state and county (check with your county recorders office). Have your Survivorship Deed notarized by a notary public. Submit your Survivorship Deed to the land records office in which the property is located.

8 Great Tips for Phone Interviews

8 Great Tips for Phone Interviews8 Great Tips for Phone Interviews2You may have noticed- we certainly have- that more and more, employers are opting for phone interviews. Whether it be a quick screening call, or a full-fledged interview, this type of interview is convenient, cost-effective, and time-saving. Communication skills are important in any job, and even more so for telecommuting positions where the majority of your conversations will be done through phone or e-mail. Being able to present yourself well over the phone is an essential skill for every job seeker.To prepare for phone interviews, follow ansicht tipsChoose a quiet location.Where you conduct your interview is one of the most important things to consider. Avoid places like the outdoors, your car, or any other noise-prone area. Find a quiet space in your home where you can close doors and windows to limit interruptions. Sometimes, as silly as it may seem, the bathroom is an excellent option.Remove distractions.If you are in a home office, or another room with distracting items like computers, books, magazines, laundry that needs to be folded, etc., remove those distraction before you begin the interview. Turn off your computer and cell phone, put away the laundry, and hide the books and magazines. If you must use a cell phone for your interview, be sure to choose a location that has excellent cell service.Practice speaking professionally over the phone.Enlist a friend or family member to help you with a mock-phone interview. Its one thing to be able to speak casually on the phone, but its quiet another to speak with authority, confidence, and clarity when youre under pressure.Research the company and even the interviewer.Familiarize yourself with the company by spending some time on their website, reading their recent press releases, news titelbildage, andAbout section. Also, use LinkedIn to learn about the person interviewing you. Doing both of these things show that youre proactive and prepare d good traits for an employeePrepare a list of bullet points.One of the biggest benefits of doing a phone interview is that you can use musiknotes to help with your responses and to make sure you convey important points about yourself. Its a great idea to review the job posting, and take 10 minutes to brainstormas to what experienceswould make you a great candidate for this role,jotting down specific accomplishments or anecdotes that are related. Also,note any specific questions you haveabout the role or the company that you want to ask.Act the part.Just because you arent in the employers office doesnt mean you can slack on the details. Smile as you are speaking because this tends to be heard in your voice. Dress uppeople feel more professional in a suit. Avoid smoking, chewing gum, eating, or drinking. A glass of water is fine, but try to be very quiet as you drink. holding the mouthpiece of the phone away from your face if necessary. Treat your phone interview just as you would tr eat an in-person job interview.Put a period on it.Phone interviews dont afford the benefit of body language and facial expressions to move the conversation forward. Be sure to end your answers clearly, so that the interviewer knows that they can proceed with their questions. Trailing off isnt an option in a phone interview. Rephrasing the question can help you end your answer. For example, I have 10 years of experience, I am a self-starter, and an excellent communicator. And this is why I feel that Im well-qualified for your position.Have the necessities ready.Youll want to have a copy of the job posting, your resume and cover letter handy, as well as a pad and pen to take notes.

Job-Search Tips to Overcome Age Discrimination

Job-Search Tips to Overcome Age DiscriminationJob-Search Tips to Overcome Age Discrimination6 Ways You Can Overcome Age Discrimination During the Job SearchDont let your age hold your job search back. Employ these strategies to make your search smoother.Getting older is hard enough on a personal level, but when you are faced with a career change, layoff, or other upset to your professional life, age can seem like the greatest obstacle to your success. However, dont despair, there are plenty of reasons why a candidate over 40 is a great choice for a position. Here are some strategies to help you combat ageism during your next job search.Stay relevant and currentThis is one of the biggest challenges older job candidates will face when overcoming age discrimination. While you have the experience and qualifications for the role, sometimes recruiters see you as stuck in a rut or clinging to old ways. Fortunately, this is an easy fix. Through ongoing professional development or training, e specially in technology, you will be able to overcome ageism by demonstrating that you are flexible and able to combine both currencies with experience.Lets say an employer is reviewing two resumes. The first candidate has more than 15 years of experience but isnt comfortable using the latest technology in the field. The second candidate only has five years of experience but has been able to produce measurable results in his current role using this new technology. Whats more important to the employer right now? Obviously, it depends on the industry, but most of the time, its going to be the person who is keeping a pulse on the trends in his field and is comfortable leveraging them in his role.Streamline and upgrade your resumeWhile your experiences are likely impressive, the reality is that when your resume lists experience from 1984, you are dating yourself. Imagine that resume landing on the desk of a 30-something recruiter. Although many hiring managers and professionals are able to get past inherent biases, there is still a prevalent fear that older candidates will not work well for people who are younger than them. At the very least, let this become a concern once youre in the office for the vorstellungsgesprch. The general rule is to limit your employment history to the past 15 years. There are some exceptions, of courseforinstance, if you are transitioning back to a field you worked in more than 15 years ago or you have a significant accomplishment with an industry-leading company outside that timeframe. For the most part, though, the skills and achievements that are beyond the 15-year window should be left off your resume.Be ready to respond to interview questions about your ageYes, its illegal to discriminate based on age, and yes, employers are not supposed to ask about your age. However, they often do in subtle ways. A popular question, somewhat noted in the last point, is How do you feel about working for a manager who is younger than you? Of cours e, you probably already have at some point, so preparing yourself for these kinds of questions (and you may find them impertinent, but if asked, its still best to be prepared) is another tool for your job search.Flexibility is keyIt is very hard to abflug over, and even harder when you have worked for 10-20 years in the same position or in senior-level roles. However, thats not always going to be possible and you may have to start in a lower level position or take a pay cut. Its scary and that may not be feasible for you, but knowing your limits and being flexible is going to be an asset during this time. You dont want to undersell yourself, but many employers view candidates with extensive experience as being too expensive. If asked about salary requirements, give a range that may mean less than you were making. Demonstrate in an interview that you are willing to adapt to a new role and that you are ready to start over with enthusiasm.Dont get bitterThis is a tough one because you may see that finding a job after 40 is harder than it was at 25 or even 35. Still, there are jobs out there. Plenty of hiring managers and recruiters are older than you. If you are relevant and offer something fresh, you will find work again, but find ways to stay positive through it all. Maybe volunteering or taking classes, which helps with maintaining your relevance, can take your mind off the search. It is also a chance to network. Positivity is key for any age candidateReach out to your professional networkIn fact, as an older job seeker, you have an advantage in this area. You likely have a deeper professional network than someone just getting started. Use your resourcesNo one will tell you that searching for work after 40 is easy, but it doesnt have to be horrible, either. You have a great absprache to offer show that off to employersReady to write the next chapter of your career? Hire a TopResume writer todayRecommended Reading10 Powerful Changes for Your Senior-Level Resum eTopInterviewHow to Combat Ageism During a Job InterviewHow to Modernize Your Resume for Todays Job Search