December Clayton 219 S. Central Ave. Clayton, MO (314)

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1 219 S. Central Ave., MO (314) Town & Country 1006 Schnucks Woodsmill Chesterfield, MO (636) Chesterfield Valley 108 Chesterfield Valley Chesterfield, MO (636) Des Peres Manchester Road Des Peres, MO (314) Arnold 1897 Richardson Rd. Arnold, MO (636) Southfield 5440 Southfield Center St. Louis, MO (314) Hampton St. Louis, MO (314) Creve Coeur Olive Blvd. Creve Coeur, MO (314) North County 258 N. Hwy. 67 Florissant, MO (314) O Fallon 2957 Hwy. K. O Fallon, MO (636) December 2017 Transfer on Death and Real Property Hope all is going well this Holiday Season and I hope you re not too stressed out by all the stuff we put ourselves through this time of year. It certainly has been busy for us at the end of the year because many customers want to close before the end of December and this year is shaping up to be no exception to that rule. All in all, it has been a very good year for us and we are thankful. It s also the season of the Economic Forecast Breakfast. You know, where you go and have pastries and coffee and listen to experts predict how the next year is going to go economically. Most are interesting and informative but are really akin to long term weather forecasts. If the forecast is for storms, prepare for the worst. If the forecast is for sunny skies, you re happy about it, but you still have to prepare for the worst just in case. Anyway, here s hoping for lots of economic sunshine next year. We are often asked by buyers to put TOD after their names on the deed from the seller in a transaction. TOD stands for Transfer on Death and the idea is that the asset transfer at the time of death to a named individual without the necessity of a Probate proceeding. What we tell customers that make such a request is to speak to their lawyer because the Transfer on Death designation does not work with real estate. TOD is for bank accounts, CD s, etc. which are items of personal property not real property. The Beneficiary Deed was created many years ago to enable individuals to transfer real property at their death without their heirs dealing with Probate. This is a separate document that title companies really aren t allowed to prepare although it generally is pretty simple and most any lawyer can take care of it at a reasonable cost. We look forward next year to continuing to work with those of you who are already our clients and to proving ourselves to those of you who aren t. Anyway, all of us at ITC wish all of you a very happy holiday season and all the best for (Short article this month because I m really behind on my holiday shopping as I promised myself I wouldn t wait til Christmas Eve like normal so I better get on the ball) Joe Joe Crutchfield CEO/Investors Title Company (314) jcrutchfield@investors-title.com St. Charles 2101 Bluestone #112 St. Charles, MO (636) Wentzville 1810 Wentzville Parkway Wentzville, MO (636)

2 Get A Jump Start on 2018! With the busy holiday season upon us, it is hard to find time for all of the things you need to do, much less want to do! When you get the occasion, now is the time to start preparing for the new year ahead. Here are some helpful hints to get you on the right track: 1: Be like Santa everyday of the week, make a list and check it twice. 2: Purge your desk and update your files. 3: Use only one calendar. 4: Make advance notes on your calendar for upcoming events. 5: Make a list of goals for the new year. Diana Davis Director of Marketing (314) davisd@investors-title.com 6: Choose one or two goals specific to your business. 7: Get rid of outdated office supplies you haven t used in the past year. 8: Start a plan for next year s taxes and receipts. 9: Update your contact list. 10: Spruce up your office surroundings! Enjoy the Holiday Season! Employee Spotlight / Jessica Kirk Greg Miller Account Executive (314) gmiller@investors-title.com West STL County South STL County Jessica Kirk began her career with Investors Title Company in 2005 as an assistant in our disbursing department. With her strong work ethic and sweet personality, Jessica was quickly promoted to the position of processor in our closing department. Once in the closing department, Jessica did exceedingly well and was soon promoted to Escrow Closer. Jessica loves her customers, and enjoys the daily challenges of preparing each for a smooth closing. Jessica and her husband are blessed with two children, a son and a daughter. In her spare time, Jessica enjoys running 5Ks, crafting, cooking and especially being a dance mom Calendars Now Available! Karen Weller Regional Manager (314) kweller@investors-title.com St. Charles County Northwest STL County Stop by your nearest ITC Branch Office to pick up your 2018 Desk Calendar or Daily Planner TODAY!

3 Tuesday, December 12 Hanukkah begins at sunset Thursday, December 21 First Day of Winter Monday, December 25 Christmas Tuesday, December 26 Kwanza begins Sunday, December 31 New Years Eve HOLIDAY HOURS: Our offices will be closed: Monday, December 25 Tuesday, December 26 Monday, January 1

4 219 S. Central Ave., MO ) Manager: Shelli Schiller Creve Coeur Olive Blvd. Creve Coeur, MO (314) Manager: Kelly Lyons Florissant 258 North Hwy. 67. Florissant, MO (314) Manager: Kelly Ley South County 5440 Southfield Center St. Louis, MO (314) Manager: Sherry Parsons Chesterfield Valley 108 Chesterfield Valley Dr. Chesterfield, MO (636) Manager: Sheri Lewis Des Peres Manchester Rd. Des Peres, MO (314) Manager: Nadia Stalls O Fallon 2957 Hwy. K O Fallon, MO (636) Manager: Jen Silver jsilve@investors-title.com St. Charles 2101 Bluestone St. Charles, MO (636) Manager: Stephanie Zollner szollner@investors-title.com 4706 Hampton Ave. St. Louis, MO (314) Manager: Debbie Ullman dullman@investors-title.com Arnold 1897 Richardson Rd. Arnold, MO (636) Manager: Laurie Baumgarth lbaumgarth@investors-title.com Town & Country 1006 Schnucks Woodsmill Plz. Chesterfield, MO (636) Manager: Bobbi Barnes bbarnes@investors-title.com Wentzville 1810 Wentzville Parkway Wentzville, MO (636) Manager: Cindy McCartney cmcartney@investors-title.com

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