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Right now if I did a refi with Sebonic (best rate on zillow mortgage) the APR would be 3.512. They did my purchase actually, then sold the loan to Chase.

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The platinum coin you linked to would be about $25 over spot if you used a 2% cash back credit card. That is a good but not amazing price.

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I had no problems with both BPM and ApMex via eBay.

I think RCM’s “20 for 20” is kind of gimmicky. They are also known to not properly clean their dies, resulting in “milkspot” on their coins. Google image for examples. Ends up effecting about half of all Canadian silver coins, some quite badly.

Recently there was a deal where major seller was doing 5oz sunshine bars for about $81, which worked out to Spot + 38 cents with free shipping if you used a cash-back credit card.

I am excited to receive my first 100oz silver bar soon, I think silver is the way to go right now, and it is just more fund to have a big hunk of precious metal compared to the amount of gold for the same price (about 1.25 oz).

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If you are that worried buy directly from an official government mint distributors, or even the US Mint directly.

These will not get you rock bottom prices, but having everything in the original mint packaging, your receipt, etc will add value if you ever sell them.

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Thanks for the tip, I signed up for ebay bucks now.

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OK I just did what I suggested you do, and look for lawyers who have recently won cases in San Diego involving easements, and found this guy:

http://www.stevenjrobertspc.com/

I have never heard of him before or met him, but he did win a case in Claremont that invalidated old deed restrictions and also involved a secondary easement issue, and his website says he was involved with a public easement lawsuit in Torrey Pines.

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[quote=Blogstar]

Today I got quotes from attorneys on just a demand letter. Attorney I found on Internet

3 hours at $275 was one.

Another by an attorney I suspect is more professional , experienced, maybe gets to the point a lot quicker and was referred by someone I trust in another profession.

1.5 hours @ $400 hr. So cost less![/quote]

That is reasonable for a short cease and desist letter, but probably not going to get a settlement for you.

Personally, I would never write a demand letter like they offered to do without a client who is already paid up and ready to follow through with suit if the letter is ignored. If I write a demand letter, they reject it, and you don’t follow through, that harms my reputation, and my future demand letters would be taken less seriously to the detriment of all my other clients.

I also would not do a quote in hours like this. The best demand letters come after the complaint it already written, and that point it would just be 20 or 30 minutes to write plus a proofread.

I suggest you see if you can get a firm offer to do all the steps in my prior post for a single flat rate. I also again suggest making a trip to the law library and searching for the attorney’s name on Lexis and seeing what type of record they have. I believe they have small branches in Chula Vista, El Cajon, and San Marcos.

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“QT default judgments cannot stick without defendant being given this opportunity … regardless of if they defaulted.”

The one time I got a default judgment against a deep pocketed defendant I had to do two prove up hearings and mail notice of the hearings. I was not aware of this particular rule, but I would always expect that the judge would want to have some sort of hearing with additional notice outside of small collections type cases.

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Title issues are rare and title insurance is very profitable. I would not have purchased it myself based on these issues. their claims rate is very very very law.

to be safe, can you get the old title report from the seller to look for potential issues?

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[quote=Blogstar]
How long after the demand to file a case, or should I do it at the same time. Demand, settlement offer, serve complaint?[/quote]

You are not usually required to do a demand letter, however in most cases in makes sense. The standard wait to file the case after the demand letter is delivered is 30 days. San Diego Superior Court has become very backed up lately, so if you know the other party well and do not believe he will agree to a reasonable settlement with just a letter, better to skip it and file the case, and then talk settlement.

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One way to find a lawyer to go to the downtown public law library and search Lexis for the local cases most similar to yours, and call up the winning attorney on the case. Unfortunately most cases do not involve searchable opinions by trial courts, however all California Court of Appeals decisions are on Lexis. So you might search for:

Quiet Title and San Diego and atleast3(easement)

And then sort by year.

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Motion for summary judgment usually happens toward the end of the case near trial. It asks the judge to rule for one side without a trial because no reasonable jury could find for the other side.

While a plaintiff can win summary judgment, it is more common for a defendant to file and win.

Regarding the cost, the average attorney in the USA makes maybe $90,000. Overhead can be very high, and many clients seem to expect their attorney to be flashy with an oak paneled office full of law books. A big yellow pages ad can cost $50,000, and then there are billboards, urinal ads for DWI lawyers, etc. Lawyers also have issues with people not paying their bills.

Personally I opted out of this because I started my firm when I was still in my 20’s and without the funds to go so fancy. My marketing budget is most years under $1000, some years 0, and I have cheap office space full of Ikea furniture. I did not need a marketing budget because I was the only lawyer in California who would take a certain type of real estate case on contingency during the real estate crisis eight years ago, so I just publicized my first few cases and Google searches did the rest.

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Hi Blogster,

I am a lawyer who used to do real estate litigation on behalf of plaintiffs full time. Now it is a secondary area for me. Below is not legal advice, just my quick reaction to scanning your posts.

Sounds to me like the first step is to see if your dispute is covered by your title insurance and if so invoke it. It might be worth hiring a lawyer just to do that. I have never done this before so no idea how complex it might be.

I would charge about $6500 for doing the following: (1) writing a demand letter (2) preparing the complaint (3) filing the complaint, paying the court filing fee of about $500 and process server fee of about $80 (4) negotiating a settlement if they want to deal at that point. If there are issues with threats and disruption to your property, maybe another $3000 for a temporary restraining order.

Most likely when your neighbor is served they will either see how much a lawyer would cost to defend the case, likely about $10,000 up front, and want to settle right away, or else if they are crazy then they may default or try to defend it themselves, in which case you will likely win (if you deserve to win) and be able to get a judgment or injunction that will be enforced by the San Diego Sheriff.

As far as the costs of taking your case to trial, with experts, jury fees, motion fees, depositions, defending summary judgment and demurrers, etc., likely around $25,000 at minimum.

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Best way to buy metals IMO is sign up for one of the CCs that give you a 500 bonus if you spend $3k or 5k in the first 3 months. That $500 more than covers the 3% cc fee.

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I believe the US Mint only sells special proof coins to the public, and sells its normal gold and silver through dealers. The going price for a Silver Eagle is about $17.50 at a dealer, but the proofs from the mint website would be much more but probably retain their premium if you keep them untouched.

Proof in this context means a special mint mark, maybe W for west point, and a perfect mirror finish.

I do not buy proofs myself, but they quickly sell out every year so a lot of people like them.

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