Title commitments contain a lot of “exceptions”, which basically means something your title insurance will not cover.  There are seven standard exceptions, some of which can be deleted.  To “delete” an exception means that the insurance must cover that issue – actually increasing your insurance coverage.  In Santa Fe, buyers frequently ask for exceptions one through four to be deleted.  Increasing your coverage provides more peace of mind, though it does come at a cost.  You’ll need to weigh the factors in your home purchase to determine what, if anything, you’d like to delete. 

Standard Exceptions

Below is a discussion of the reasons for, effect of, and requirements to delete each exception.

This policy does not insure against loss or damage,…

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I had an enlightening discussion with a very smart friend of mine who has studied the numbers on this virus.  I’d like to share his thoughts with you as they very much align with my own findings.  Though I know I've already written on this topic - I think this is incredibly important.  


My friend came up with an estimate of around a 0.7% to 0.8% case fatality ratio (CFR) if a medical system is pretty advanced and doesn't get overloaded.  Also, that assumes that about half of cases are so minor, maybe even asymptomatic throughout, so never get registered.  Which gives you an infection fatality ratio of maybe 0.4%.  That's about four times as bad as the flu.  Like the flu, it culls primarily older people with pre-existing conditions.


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Excerpt from an article by: Amy Howell Hirt


Today I thought I’d share some clean-up ideas, as we are all still stuck at home and finally looking to do the in-house tasks that aren’t fun…


Here are Amy’s rules:


#1 Dedicate 20 Minutes a Day Every Day

You don’t need to set aside 20 hours one day to get things in order. You only need 20 minutes every day.


Focus on tackling clutter in just one room. You might only pare down a single drawer or shelf, but “it will make you feel accomplished at the end of the day, and at the end of a week, you will see how much you can declutter,” says professional organizer Helena Alkhas.


#2 Follow a "One-Minute" Rule

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