The sale or purchase of a single family home is often the most significant financial transaction in a person’s lifetime. Escrow is not an option, it is a necessity. So, how does a buyer or seller make an informed decision on whom to use? In order to do that, you will want to select and…

As the end of the decade approaches, I catch myself reflecting on what transpired in the past 10 years. So much has happened. Some good, some bad. To list some of the headline ringers: Great Britain hosted two separate royal weddings, Apple released its first version of the iPad, Malaysia Airlines had a passenger jet…

The need for encryption and stringent security is at an all-time high, with advancements in tech comes increased risks to individuals; encryption is needed on all fronts. Encryption is not part of the innovation wave as encryption dates back to ancient times. The Romans and Greeks would send confidential and coded messages substituting letters only…

It’s that time of year again, holiday shopping has begun! Everyone is looking for those unique gifts, hot toys, and discounted electronics. Whether it is a hard-to-find toy for kids or the latest 4K smart TV. Black Friday sales seldom fail to pique the interests of even the most casual shoppers. Yet, even after the…

The Maginot Line was a line of concrete fortifications, obstacles and weapons installations that France constructed along its borders with Germany in the 1930s. This costly barrier was resistant to most forms of attack yet the barrier only protected a specific part of France. The French thought they understood the shape of the German threat,…

Andrew Batson and Erika Urry had selected an impeccable and captivating residence in San Diego, California. Intoxicated by the thought of moving into their dream home, the couple could practically see their new lives. There was one step left needed to open their escrow—sending their down payment of $130,000 to their escrow officer. Andrew had received…