Posted by Lyndell Petty on Dec 3, 2024
Ronald “Ronnie” Colman Brown of Campbellsville, KY, the son of the late Colman Brown and Helen Skaggs Brown was born on June 13, 1945, and departed this life on Tuesday, December 3, 2024, in Campbellsville. He was 79 years of age.
He was of the Baptist Faith and was a farmer. He enjoyed hunting and fishing, and he was a jokester, a storyteller, and a family man.
He is survived by two sons: Troy Brown of Lexington, and Bobby Brown and his wife Karen of Campbellsville. Two grandchildren: Josh Brown (Linsdey), Kaylee Brown and Fiancé Landon Pike. Four great-grandchildren: Joss Brown, Karter Brown, Wilder Brown, and Kinslee Brown.
In addition to his parents, he was preceded in death by a sister, Brenda Beams, a brother, Robert Wesley Brown, and one grandson, Bryson Skaggs.
The funeral service for Ronald “Ronnie Colman Brown will be on Saturday, December 7, 2024, at 11:00 A.M. at the L.R. Petty Funeral Home Chapel at 1765 New Columbia Road in Campbellsville with burial to follow in the Campbellsville Memorial Gardens.
Bro. Steve Cash will officiate.
The family requested visitation on Friday, December 6, 2024 from 5:00 until 8:00 P.M. at the funeral home.
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Posted by Lyndell Petty on Dec 3, 2024
Donna Faye Barnett-Cox of Campbellsville, KY, the daughter of the late Tommie Jess Barnett and Nellie Mills Barnett was born on June 30, 1948, and departed this life on Monday, December 2, 2024, at Bluegrass Way Assisted Living in Campbellsville. She was 76 years of age.
She was a former employee of Batesville Casket Company and she enjoyed gardening, canning, and making fudge.
In addition to her parents, she was preceded in death by her husband, Tim Cox on November 27, 2014, three sisters: Joan Fisher-Ford, Bonnie Barnett, and Tina Estes, and one nephew, Michael Fisher.
She is survived by her brother: Tom Barnett and his wife Diane of Lexington, her nieces and nephews: Kenny Barnett Jr. (Teresa) of Lebanon, Henry Estes (Sherrie) of Greensburg, Tracie Phillips of Campbellsville, Rob Estes (Cindy) of Greensburg, Josh Barnett of Louisville, Jessica Wright (Jonathon) of Lexington, a brother-in-law: Kenny Barnett of Campbellsville and several great-nieces and great-nephews.
There will be a Graveside Service for Donna Faye Barnett-Cox on Thursday, December 5, 2024, at 10:00 A.M. at the Campbellsville Memorial Gardens.
There will be no visitation.
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Posted by John Humphress on Dec 3, 2024
For first-time buyers, purchasing a home is an exciting yet complex journey. Amidst the excitement of finding your dream property, it’s essential to understand the critical role of conveyancing in completing the purchase. Conveyancing is the legal process of transferring property ownership from one party to another, ensuring that the transaction is smooth, transparent, and legally binding.
Here’s a comprehensive guide on what first-time buyers should know about conveyancing.
1. What is Conveyancing?
Conveyancing is the series of legal and administrative steps involved in buying or selling a property. It begins when an offer is accepted and ends when the property ownership is officially transferred to the buyer. The process ensures that all legalities are met, property rights are clear, and potential risks are mitigated.
For first-time buyers, a trusted conveyancer or solicitor will be your guide, handling all necessary checks, contracts, and documentation to ensure a hassle-free experience.
2. The Key Stages of the Conveyancing Process
The conveyancing process can be broken down into three main stages:
a. Pre-Contract Stage
- Property Searches: Your conveyancer will conduct searches to uncover any issues with the property, such as planning restrictions, environmental risks, or boundary disputes.
- Mortgage Arrangements: The lender will usually require a formal valuation of the property before finalizing the mortgage offer.
- Drafting Contracts: The seller’s solicitor prepares a draft contract detailing the terms of the sale.
b. Exchange of Contracts
- Once both parties are satisfied with the contract terms, you and the seller sign the contracts.
- At this point, a deposit is typically paid, and the transaction becomes legally binding.
c. Completion
- On the agreed completion date, the remaining purchase funds are transferred, and the keys to your new home are handed over.
3. Why Do You Need a Conveyancer?
A conveyancer or solicitor specializes in property law and ensures the transaction is legally sound. Their responsibilities include:
- Conducting searches to identify potential issues.
- Drafting and reviewing contracts.
- Handling financial transactions such as the transfer of deposit and purchase funds.
- Registering the property in your name with the relevant authorities.
Attempting to navigate the legal complexities of conveyancing without professional help can lead to costly mistakes, especially for first-time buyers.
4. Common Conveyancing Costs
Understanding conveyancing costs is essential for budgeting your property purchase. Typical fees include:
- Legal Fees: Charged by the conveyancer for their services.
- Search Fees: Costs for local authority and environmental searches.
- Land Registry Fees: Fees for registering the property in your name.
- Stamp Duty: A tax on property purchases above a certain threshold (dependent on your location and the property value).
It’s advisable to request a clear breakdown of fees before appointing a conveyancer to avoid unexpected expenses.
5. Property Searches: Why They Matter
Property searches are a crucial step in the conveyancing process. These searches help identify:
- Local Authority Issues: Such as planned developments that might affect your property.
- Environmental Risks: Flooding, subsidence, or contamination concerns.
- Title Issues: Ensures the seller has the legal right to sell the property.
Skipping these checks can lead to unforeseen problems after the purchase.
6. Tips for First-Time Buyers
To navigate the conveyancing process successfully, keep these tips in mind:
- Start Early: Appoint a conveyancer as soon as your offer is accepted to avoid delays.
- Be Organized: Respond promptly to requests for documents or signatures.
- Ask Questions: Don’t hesitate to seek clarification on legal terms or processes.
- Budget Wisely: Account for conveyancing costs and other associated fees in your overall budget.
7. Potential Challenges
The conveyancing process isn’t without its challenges. Common issues include:
- Delays: Caused by missing documents, mortgage approval, or issues uncovered during searches.
- Gazumping: When another buyer offers more money after your offer is accepted, the seller may decide to proceed with the other buyer.
- Chain Breakdowns: If the seller or buyer in a linked transaction pulls out, it can impact your purchase.
Having a proactive and experienced conveyancer can help resolve these challenges effectively.
Conveyancing might seem daunting for first-time buyers, but understanding its role and process can make your home-buying journey much smoother. By choosing a reliable conveyancer, budgeting for associated costs, and staying informed about each stage, you can navigate the legal complexities with confidence.
Your first home is a significant milestone. With the right guidance and preparation, the conveyancing process can be a stepping stone toward a successful property purchase.
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