TAX LIENS INVESTMENT
KNOWLEDGEFINANCIAL.COM
How Can You Safely Earn 18%
or over Per Year On Your
Investments?
Investing in Government
Issued Tax Lien Certificates
What is a Tax Lien?

In most jurisdictions, when a property
owner is late on paying real property taxes,
the county or municipality will issue a a tax
lien on that person's property. Certain
states allow the tax lien to become a first
lien on the property, which is then turned
around and sold at auction as a tax lien
certificate.
HOW TO INVEST IN
GOVERNMENT ISSUED TAX
LIEN CERTIFICATE?
Auctions held weekly by - City -
County - State taxing authorities.

JEALOUSLY GUARDED TRADE SECRETS
REVEALED
EARN -16% TO 36% ANNUAL YIELDS and
EVEN MORE USING THESE TOP SECRET
TECHNIQUES
LEARN HOW TO ACQUIRE HOUSES, LOTS,
ACREAGE, HOMES, and COMMERCIAL
g in Government Issued Tax Lien
Certificate

First, you should realize that you have
worked too hard to watch your savings
stagnate, or disappear.

Second, you should realize that if you
ever want to achieve the life you deserve,
you need to take action.
Do you ever wonder what
would happen if you don't pay
your property taxes?

The collection of property taxes is a huge
priority in every county in the United States.
Literally, if the county cannot collect
property taxes, they go broke.
To make sure this does not happen, the
county places a lien on any property with
delinquent property taxes and sells the tax
debt to investors. This creates a win-win
situation for everyone: the county gets their
money, delinquent property tax owners get
a little extra time to pay their overdue
property taxes, and investors get a low risk,
high return investment.
How high is the rate of return on tax lien
certificates?
The annual returns you can make buying
tax lien certificates are unbelievable,
Illinois tax lien certificates pay an annual
return of 36 percent per year and if the lien
gets redeemed early your annual return
can be a staggering

Indiana tax lien certificates pay an annual
return of 15 percent per year and if the lien
gets redeemed early your annual return
can be a amazing 25% per year.

Florida tax lien certificates pay an annual
return of 18 percent per year and if the lien
gets redeemed early your annual return
can be a impressive 61% per year.

Iowa tax lien certificates pay an annual
return of 24% per year.
Arizona tax lien certificates pay an annual
return of 16% per year.

A few states like Georgia and Texas offer
tax deeds with a right of redemption fee -
that is, a flat fee regardless of whether the
property owner redeems in one month or 6
months (a few other rules apply). This
process is very similar to a tax lien
certificate.


But what about investment
safety, are tax lien certificates
a safe investment?

Investing in tax lien certificates is
ultra-safe! Why?  

1. State governments control the entire tax
lien process so it is very safe and fair. The
last thing the state wants is unsatisfied tax
lien investors. Without the investors,
counties would not be able to collect the
money they need to keep the county
government operating.

2. If delinquent property tax owners fail to
pay their back taxes plus interest, they lose
their entire property to the investor for the
property taxes owed.

Now do you understand why tax lien
certificates are an incredible investment
with a great built-in safety factor?

If the delinquent property owners pay their
tax bill, you, the investor, make an
extremely high rate of return on your money.
If the property owners do not pay their tax
bill, you, the investor, get to keep the entire
property for the taxes and penalties owed,
often pennies on the dollar.
And the best part is that tax lien investing
does not depend on the economy, so there
is zero investment volatility when you invest
in tax liens.
Instead of going up and down like the
stock market, tax lien certificates just rise
in value.

Overall, you cannot find a higher
return/lower risk investment than tax lien
certificates.
-----------------------------------------------------------
---------------------------------
So what's the catch?

Lack of information!

Almost no books have been written on
tax lien investing. Attorneys and bankers
have kept this little investing secret to
themselves for many years.
In fact, what do you think bankers do
when they take your money and lock it in
a certificate of deposit (CD) for several
years?

They take your money, pay you about 3
percent per year, and then they go buy
tax lien certificates and pocket the
difference.

How would you like to keep all the money
for yourself?
Rogue Tax Sale Investor tells you exactly
how you can profit from this incredible
real estate investing secret.
TAX LIEN A BETTER WAY TO INVEST AND
GET RICHER

And here's another bonus. In states like
Illinois, Florida and Indiana, tax lien
certificates are not prorated. This
means you get the full interest rate even
if the tax lien is redeemed right after the
sale, giving you annual returns as high
as 25% per year.

However, I want to go one step further
and give you something you will not find
anywhere else.
If you thought tax lien certificates were a
great, undiscovered real estate
investing secret, welcome to tax deed
sales.

At tax deed sales, states auction off
entire properties for only the taxes owed.
You can buy incredible properties at tax
deed sales for 50%, 75%, or more than
90% below market value.

Success in life is often about finding
hidden opportunities before everyone
else, and tax deed sales are definitely a
hidden investment opportunity.
Avoid Your Personal Liability By Purchasing
Tax Liens and Tax Deeds Under The
Protection of a Corporation.
By knowledge Financial Group & Investment

Yes, it's true that you stand to make a whole lot
when you buy tax liens and tax deeds. On the other
hand, if purchased incorrectly, you could lose a lot
more than just the shirt off your back.

Typically beginning investors do not realize that
when they purchase a tax lien or tax deed in their
own name they will be held personally liable if
anything should go wrong with the property.

Personal liability isn't restricted to just personal
injury cases. It also includes environmental issues,
surviving liens and a host of other harmful yet
unforeseen problems.

In my opinion and experience the investor can
usually side-step an array of unforeseen yet
potentially problematic scenarios by shifting the
liability to a corporation or legal entity.

I said "usually" because if the corporation is not
established and managed correctly courts can
pierce the corporation and hold the owners and/or
shareholders liable. This can happen if the court
determines that the legal entity formed was nothing
more than just an 'alter ego' of the owners and/or
shareholders.

To avoid being labeled an 'alter ego' corporations
must setup separate bank accounts, hold regular
corporate meetings, keep a record of meeting
minutes and above all keep business dealings
separated from its shareholders and/or owners.

Now I'm not an attorney but I've discovered that it
would be a good idea to seek the guidance of an
attorney for help on selecting, creating and
maintaining a legal entity. Failure to create and
maintain the legal entity correctly could allow its
shareholders and/or owners to be held responsible
if anything should go wrong.

Generally an attorney will instruct investors to
purchase and sell real estate with an S-Corporation
(small corp) or C-Corporation. The attorney will also
encourage investors to use an LLC or Limited
Liability Corporation as a holding entity.

So in practice investors would buy tax lien
certificates and tax deeds with an S or C
Corporation. Once they become the owner of the
property they could either sell it or rent it. If the
investor decides to keep the property they usually
will maintain ownership of that property in an LLC.
This allows the investor to collect rental income
while the property appreciates.

In conclusion, I want to stress how important it is for
you to seek the guidance of an attorney when
selecting, creating and maintaining a corporation or
legal entity prior to purchasing tax lien certificates
and tax deeds.
-------------------------------------------------------------------------
How To Buy Tax Lien Certificates

You're Ten Steps Away From Enjoying Sky High
Returns or Real Estate for Pennies on The
Dollar With Government Issued, Real Estate
Secured Tax Liens.
By Knowledge Financial

Like anything new, investing in tax liens and tax deeds
might seem a little foreign at first. In addition, you may
have a lot of fears holding you back.
Over the years I've developed a simple step-by-step
process of investing in tax lien certificates and tax
deeds. In this report I'll briefly discuss each step, giving
you a big picture overview of buying tax liens and tax
deeds.

Step 01: Review your goals, budget and circumstances.
Before you start a new project or task you need to
seriously evaluate your resources to make sure you have
what it takes to finish the task. So it is with tax lien and
tax deed investing, you need to take personal inventory
of the time and money you are willing to devote to this
business. Just like the famous fable of the tortoise and
the hare, slow and steady wins the race. This is a
marathon, not a sprint, don't run faster than you have
strength, pace yourself toward your goal. In addition, if
you don't take time to identify your goal how will you
know when you've reached it?

Step 02: Formulate Your Investment Strategy
Your ultimate success, as a tax lien investor, is a
function of setting honest and realistic goals with
respect to the time and money you can dedicate to this
incredible investment opportunity.
Generally, your strategy will fall into one of two possible
strategies:
Investing to acquire high interest returns;
Investing to acquire properties for a significant discount.
As you become familiar with the investing process and
procedures you can progressively move on to more
challenging and profitable deals with confidence.

Step 03: Select the Right State
Where do you begin? With so many states to choose
from the task can seem outright daunting. Then you
throw the 1000 plus counties into the mix and its
downright overwhelming. Don't worry. I've simplified the
process to make it "Quick" and "Easy". Plus, you've
already taken the time to identify your goals making it a
"Snap".
Over the years I've learned that there's a little more to
selecting the right state than choosing the one that
offers the highest rate of return. When you join my
newsletter I'll send you a report detailing each states tax
lien certificate process and procedure including interest
rates, redemption periods and classifications. I created
this valuable resource to save you a lot of time and grief.

Step 04: Select the Right County
Once you've selected the "Right State", you're ready to
select the "Right County/ Counties". At the outset it can
seem overwhelming, especially if you've selected a
state with a lot of counties. Georgia, for example, has
over 159 counties while Texas, has over 254 counties.
Don't be discouraged.

Step 05: Request A Current Tax Sale List
By now you should have identified your investment
goals and selected the right state and county/counties
to commence your investing. You are now ready to
obtain a current and correct tax sale list from the
county. You can do this by contacting the tax collector
of the county you're interested in. Typically, you can
download the tax sale list from the county website. They
may charge a small shipping fee to send it to you.

Step 06: Perform Your Due Diligence
Are you ready? Okay. Let's get started. First you should
have several tax sale lists. As you review them, some
may be small and others as big as the empire state
building. Don't worry, the bigger they are the harder
they fall.
So, maybe you're wondering "What does all this mean?"
That's a good question. But before we move forward, let
me emphasis the importance of performing extensive,
and thorough risk reducing research. If you purchase a
tax lien on raw, useless, and/or otherwise contaminated
property, chances are you'll lose your shirt and a whole
lot more. Honestly, what value does a useless property
have? None. Furthermore, there's no incentive for the
delinquent tax payer to pay off the tax lien and interest.
You'll never recoup your money. The strength of your
investment is based on the strength of the real estate
from which the lien is generated. Crummy property
equals crummy investment.

Step 07: Make the Purchase
At this point you should have completed your research
and selected the tax liens/tax deeds that you'd like to
purchase. You should know that there are several ways
of purchasing a tax lien or tax deed;
At the physical auction.
After the auction (left-overs).
On the Internet.
Through an agent/third party.
The method you choose will be a function of your
goals, budget and the rules of the county you've
selected. For example, lets say that you only plan on
investing $1,000. It doesn't make sense, really, for you
to travel a great distance to participate in the physical
auction. Let's really think about it, you would eat up all
of your potential profits in travel expenses. Therefore,
left-overs via mail, or a live Internet auction make much
more sense.
Whatever method you choose, you'll want to make sure
that you have a firm understanding of the registration,
auction, bidding, payment and redemption
process/procedures.

Step 08: Manage Your Investment
What next? After full and timely payment for the tax lien
certificate has been made, all you can do is wait, wait,
and wait some more. Utilize this time to your
advantage. I recommend that you be familiar with the
foreclosure requirements well before the expiration of
the redemption period. It would be an unfortunate thing
if you couldn't foreclose because you failed to follow
the laws governing foreclosure.
Step 09: Getting The Interest

As the owner of a tax lien certificate, you have two
potential outcomes. If the delinquent tax payer steps
forward and pays their tax bill within the statute
mandated redemption period, they will have to pay
what you paid to acquire the tax lien certificate, plus
pay a penalty interest fee. Once full payment is
received, you will be contacted by the taxing district
and ordered to return the tax lien certificate. In return,
the county will issue you a check in the amount you
paid to purchase the tax lien certificate plus penalties
and interest.

Step 10: Getting The Property
If the delinquent tax payer neglects to pay their
outstanding tax bill, and interest, within the statute
mandated redemption period, as the owner of the tax
lien you can foreclose the subject's right to redeem.
This effectively wipes out all junior liens and claims to
the subject property. At that point it becomes your
property.
Typically, the county will issue a treasurer's, sheriff's or
tax deed to the property. Generally speaking, it does not
convey a marketable. This is because the county does
not want to take on the risks associated with a warranty
deed. Mainly, that the grantor,   the county) will protect
the grantee  the investor) against any and all claims
(prior liens or interests) to the property.

To get a "marketable title" you'll want to have your
lawyer initiate an action to quiet title. This is a legal
process that establish your title to the real property
against anyone and everyone, and consequently "quiet"
any challenges or claims to the title.

Once you have foreclosed, filed a quiet title action and
the court is convinced the title is yours, a quiet title
judgment will be granted which can be recorded and
convey a title free from defects. Then you'll want to
apply for title insurance. In it's simplest form, it
guarantees that the owner has title to a property and
can legally transfer title to someone else. Should a
problem arise, the title insurer (title company) pays any
legal damages. Once you obtain title insurance you'll
have a warranty deed.

Now that you are the owner of the property you can
either sell it or rent it.
There you go. I've given you a brief overview of the tax
sale process. You've literally nothing to lose and a world
of profits to gain! I don't know about you, but for me, this
is exciting stuff. I mean think about it. As a tax sale
investor you'll either receive sky-high returns or real
estate for just pennies on the dollar.
CONTACT KNOWLEDGE FINANCIAL GROUP &
INVESTMENT FOR MORE INFORMATION! CALL:
786-709-6577

A detailed description of the tax lien/tax deed
investing process
Tax lien/tax deed investing methods,
techniques and tips
Tax sale procedures and rates of return for
each state
Links to county websites that sell tax liens and
tax deeds

Auction dates and procedures for every state,
including online tax sale auctions
Sale dates and procedures for every Canadian
province that sells tax deeds
Detailed information on specific tax sale
procedures in more than 100 of the most
populated counties in the United States

A proprietary ranking system so you can decide
which states are best for investing
The states that offer the highest potential for
property ownership
A detailed and practical field guide to
purchasing tax liens and tax deeds that takes
you through every step of the process including:

How you can find properties in any situation
from the information included on tax sales lists
How you can easily research outstanding liens,
titles and other legal issues at the court house
How you can quickly determine the value of any
property
Tips for how you should bid at the auction
What do you need to get
started?

Your most important need is for information.
That information should be specific for the
state(s) or area of interest to you. That is why we
provide a separate manual for each of the U. S.
states and territorial possessions. Many years of
hands-on experience and legal research have
preceded the preparation and writing of each of
these documents..

I have over 10 years of hands-on experience in
this "Fun and Profits in Tax Forfeited Lands
business." I have personally purchased thousands
of properties and attended tax sales in over 50%
of the over 3000 counties in the U. S. I also have
spend hundreds of hours in the law libraries
researching and studying the statutes that relate
to tax forfeited real estate. I revise the manuals
annually to reflect changes in the statutes. This
legal research has covered many years and
thousands of hours with my head in the law books.

But, just knowing the statutes is not always
enough. The many years of hands on experience
in most of the states and many different taxing
jurisdictions have help me develop techniques
that are highly profitable.

The hundreds of success stories from those using
one or more of these techniques attest to their
profitability.
Through the years, these techniques, ideas, and
concepts that have worked well for me are now
available in my FUN AND PROFIT manuals to
you and at the lowest prices I have ever heard of
in this business.

You can get started with very little money and
start building your financial nest egg in this fun
and profitable business right now. You do not
even need to leave the privacy of your home in
order to make a lot of money in this business.
You need to know the techniques and how to
implement them.


Buys like the above are not just for yesteryear but
are being made right now, day after day, by our
customers..
Again, I refer you to the many success stories
which keep coming in almost on a daily basis as
evidence that similar buys are currently being
made.
Check out what others have had to say. Check
the he materials available. Also take a look at
some of the links you can use for research.
Order your material today and get started on your
road to financial independence immediately.
YOU’VE PROPERTY FOR SALE?

CALL: 786-709-6577

COMMERCIAL OR RESIDENTIAL

WE’LL BUY IT FROM YOU
OR
WE’LL SELL IT FOR YOU;

FAST, QUICK & FOR THE TOP
PRICE!

SOUTH FLORIDA, PLEASE
CONTACT US…
TAX LIENS:  ---Investing in Government Issued Tax Lien Certificates! Do you ever wonder what would happen if you don't
pay your property taxes? Can You Safely Earn 18%  or more Per Year On Your Investments? YES YOU CAN, AND
KNOWLEDGE FINANCIAL WILL SHOW YOU HOW!
Education Tax Credit, Tax Saving, Tax Reduction, Tax
Benefits.
TAX EDUCATION CREDITS: The Tuition and Fees
Deduction allows you to save big on taxes.
The Student Loan Interest Deduction. Click Here to
Learn More...
What are "Tax Lien Certificates"?

Another method of either acquiring the properties or
receiving a very high rate of return on your
investment is by investing in Tax Lien Certificates.

Many taxing jurisdictions use this  alternative
method of collecting delinquent real property taxes.
This method involves the selling of "tax lien
certificates" sometimes referred to as TLC's., which
become a first lien on the property.

These certificates  can yield very high rates of
return on your investment when the property is
redeemed. In many cases these yields can be 25%
per annum or even more.

In the event the delinquent property owner does not
redeem within the time provided for redemption, the
holder of the tax lien can obtain title to the property.
The following is a partial listing of states that offer
you the opportunity to invest in government issued
guaranteed tax lien certificates and the current rate
of interest or penalty.
GO MAKE YOURSELF RICHER AND TELL YOUR FRIENDS, CO-WORKERS, FAMILY MEMBERS, CHURCH
MEMBERS, NEIGHBORS ABOUT THIS GREAT MONEY MAKING, MONEY SAVING WEBSITE! -----
WWW. KNOWLEDGEFINANCIAL.COM
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH PERSON; YES YOU CAN...

..RULE OF 72: The compound interest and financial
success.  Rule Of 72 is the most important and simple
rule of financial success.

..MILLIONAIRE: How To Make Your First $1 Million? The
Millionaire's Mindset

..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET
LEARN THIS FIRST!...

..GOVERNMENT: Government's general information;
Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe,
Broward, and Palm Beach County

..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save.
THE TRIANGLE OF SUCCESS...

..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST! The Five C’s of
Credit: LEARN MORE..

CREATIVE FINANCE CAN AND WILL MAKE ALL THE
DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST
IN REAL ESTATE...

..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!

HOW TO USE HOME INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?...

...ACCOUNTING: The Basics of Accounting...

...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE
YOU KNOW, THE LESS YOU PAY...

...ANALYTICS: Top 9  Real Estate Financial Calculator
Problems every investors should know about...
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH PERSON; YES YOU CAN...

..RULE OF 72: The compound interest and financial
success.  Rule Of 72 is the most important and simple rule
of financial success.

..MILLIONAIRE: How To Make Your First $1 Million? The
Millionaire's Mindset

..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET
LEARN THIS FIRST!...

..GOVERNMENT: Government's general information; Local,
State, and Federal.
Housing Finance Authority of Miami dade, Monroe,
Broward, and Palm Beach County

..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE
TRIANGLE OF SUCCESS...

..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..

CREATIVE FINANCE CAN AND WILL MAKE ALL THE
DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST IN
REAL ESTATE...

..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!

HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE
SALE PRICE?...

...ACCOUNTING: The Basics of Accounting...

...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU
KNOW, THE LESS YOU PAY...

...ANALYTICS: Top 9  Real Estate Financial Calculator
Problems every investors should know about...

...REAL ESTATE MARKET: TODAY'S GREAT DEALS FOR
FIRST-TIME HOME-BUYERS & FOR EVERYONE AS NEVER
SEEN BEFORE! WONDERFUL OPPORTUNITY TO CREATE
TREMENDOUS AMOUNT OF WEALTH...
-- TAX LIEN CERTIFICATES: GOVERNMENT BEST KEPT SECRET INVESTMENT OF ALL TIME-

THE MOST BENEFICIAL, MOST LUCRATIVE, THE SAFEST INVESTMENT.---KNOWLEDGEFINANCIAL.COM

SECURE BY REAL ESTATE-GUARANTEE BY THE GOVERNMENT.--
--TAX LIEN CERTIFICATES INFORMATION CENTER.
FOR UNITED 50 STATES AND CANADA-- UNITED STATES COUNTIES TAX LIEN CERTIFICATES.--
IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA; PLEASE CALL Mr.
ANTONY A PROFESSIONAL REALTOR. AT: 786-709-6577 --- Fortune International Realty
..Life Insurance Advantages, Benefits, & Features
While Alive and After Death... Learn More Here!

..Insurance General Information: Ways to Make Money
& Save Money on Your Insurance. Learn More...

..Term Insurance Advantages, Term Insurance
General Knowledge. Buy the Term, and invest the
difference. Learn More...

..Life Insurance Quote. Find out if You Pay too much for
Your Insurance, Or Check How Much You Can Pay For
a Life Insurance...

..Investment Products: Investing & Money Management
Basics.  FINANCIAL  SOLUTIONS, TOOLS &
RESOURCES.  LEARN MORE...

Insurance Products:  How to make profits with the
insurance companies? Learn More.

..Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard
your earning power and your possessions

THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of
any sound financial plan

Different types of insurance protect you and your loved ones
in different ways against the cost of accidents, illness,
disability, and death.

INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS
WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR
BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE  
AND BETTER SATISFACTION. LEARN MORE HERE...

..HOW TO OBTAIN AN INSURANCE LICENSE,  AND GET
HIRED,  START WORKING IMMEDIATELY WITH ONE OF THE
GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE  COURSE,  FREE
TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE
WHO LIVE IN MIAMI DADE AND BROWARD COUNTY
FLORIDA. LEARN MORE HERE...

Life Insurance
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents with the
funds necessary to maintain their standards of living, can
help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..

the least amount of coverage, and vice versa.

Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main
factors affecting your insurance premium (age and family
medical history), there are steps you can take regarding the
third - lifestyle. You could lower your insurance premium if
you:
REAL ESTATE: BUYING, SELLING, LEASING A PROPERTY IN THE SOUTH FLORIDA AREA . IT'S THE AFFAIR
OF AN EXPERIENCED,  A COMPETENT REAL ESTATE PROFESSIONAL! CALL Mr. ANTONY AT: 786-709-6577
--- Fortune International Realty
IF YOU NEED HELP TO SELL YOUR PROPERTY IN SOUTH FLORIDA; PLEASE CALL Mr. ANTONY A PROFESSIONAL
REALTOR. AT:  786-709-6577  ---
Fortune International Realty. ----REAL ESTATE SERVICES-- HOME-BUYING -- REAL ESTATE INFO.---- MORTGAGE LOANS-
How Can You Safely Earn 18% or
over Per Year On Your
Investments?

Investing in Government Issued Tax
Lien Certificates
What is a Tax Lien?



In most jurisdictions, when a property owner is
late on paying real property taxes, the county
or municipality will issue a a tax lien on that
person's property. Certain states allow the tax
lien to become a first lien on the property,
which is then turned around and sold at
auction as a tax lien certificate.

                                          TAX CERTIFICATES / TAX
DEED
TAX LIEN

A tax lien sale is the sale, conducted by a
governmental agency, of tax liens for delinquent taxes
on real estate. It is one of two methodologies used by
governmental agencies to collect delinquent taxes
owed on real estate, the other being the tax deed sale.

Sale process
In a tax lien state, the lien is offered to prospective
investors at public auction. Most auctions are held in
person; however, Internet-based auctions (especially
within large counties having numerous liens) are
becoming popular.

In the event that more than one investor seeks the
same lien, depending on state law the winner will be
determined by one of five methods:

Bid Down the Interest. Under this method, the stated
rate of return offered by the government is the
maximum rate of return allowed. However, investors
can accept lower rates of return, including zero
percent in some cases (though this is rare in practice).

The investor accepting the lowest rate of return is the
winner. In the event more than one investor will
accept the same lower rate, a random or rotational
method (see below) will be used to break ties.

(Florida and Arizona use this method)
Premium. Under this method, the investor willing to
pay the highest "premium" (or excess above the lien
amount) will be the winner. The premium may or may
not earn interest, and may or may not be paid back to
the investor upon redemption of the lien. (Colorado
uses this method)

Random Selection. Under this method, a bidder will be
randomly selected from those offering a bid. Usually a
computer is used to make the selection, but in smaller
jurisdictions more rudimentary methods may be used.

Rotational Selection. Under this method, the first lien
will be offered to the investor holding number one,
who has the right of first refusal. If the investor
refuses, it is offered to number two, but will not be
offered another lien until his number comes up again
in the rotation. The next lien will go to the next number
in line. Under this method, the investor has no control
over which liens s/he will obtain in the bidding.


Bid Down the Ownership. Used only in Iowa, the
investor willing to purchase the lien for the lowest
percent of encumbrance on the property will be
awarded the lien. For example, a bidder may agree to
take a lien on only 95% of the property.

If the lien is redeemed, the investor would only
receive 95% of the proceeds. In practice, few
investors will bid on liens for less than full right to the
property or sale proceeds. Therefore, with multiple
owners bidding on 100% encumbrance, the process
then generally reverts to the random selection.

Liens not sold at auction are considered "struck" (or
sold) to the entity (usually the county) conducting the
auction. Some states allow "over the counter"
purchases of liens not sold at auction. However, in
most instances the unsold liens are on marginal or
worthless properties, the liens on better properties
having been purchased at auction.

Redemption process
The investor must wait a specified period of time
(referred to as the "redemption period"), during which
time the property owner (or someone with an interest
in the property) may repay the lien with interest.

Usually the lien holder is not permitted during this
period to contact the property owner (or anyone else
having an interest in the property, such as the
mortgage holder) to demand payment or threaten
foreclosure, or else the certificate can be forfeit.

In some jurisdictions, the lienholder must agree to pay
subsequent unpaid property taxes during the
redemption period in order to protect his/her interest.
If the lienholder does not pay such taxes, a
subsequent lienholder would "buy out" the prior
lienholder's interest.

Once the redemption period is over, the lien holder
may initiate foreclosure proceedings. The proceedings
(the costs of which must be paid by the lien holder,
though a redeeming property owner may be required
to pay them as part of redemption) may result in either
acquiring title to the property (normally this will be a
quitclaim deed and not insurable title), or a tax deed
sale of the property where the lien holder has the right
of first bid (and may participate by making additional
bids if s/he so chooses).

During the period between the initiation of
proceedings and actual foreclosure, the property
owner still has the opportunity to repay the lien with
interest plus the costs incurred to foreclose.

If the lien holder does not act within a specified period
of time as defined by state law, the lien is forfeit and
the holder loses his investment. Also, a lien issued in
error of state law is repaid, but usually at a far less
interest rate than had the lien been valid.

Hazards of tax lien sales
The rates of return can be highly attractive. For
example, Florida (a popular tax lien state due to its
growth and investor-friendly rules) is a "bid down the
interest" state with a maximum rate of 18% (1.5% per
month). However, Florida law guarantees a 5%

minimum return regardless of the rate bid (except if
the bid is zero percent) or when the lien is redeemed.
Thus, if a certificate is purchased one day at 0.25%
(the lowest possible rate greater than zero percent)
and redeemed the next day, the investor will earn 5%
over the certificate price for one day's holding, or a
mind-boggling 1,825% return! Iowa, another tax lien
state, offers a guaranteed 2% return per month (or 24%
return per year). And, in practice, most liens are
redeemed before the property is foreclosed.

Pitfalls of tax lien investing
Payment is usually required at purchase or within a
very short time afterward (often no more than 24-72
hours). Failure to pay the full amount results in all lien
certificates purchased by the investor being
cancelled, and may result in the investor being barred
from future sales.

Tax liens on "choice" properties are quickly
purchased by major institutional investors having
sufficient time and resources to research valuable
properties vs. worthless ones and who can afford the
occasional poor choice; smaller liens usually involve
properties that are generally worthless (such as odd
strips of land). (In addition, Florida does not allow
auctions or sales of tax liens of less than $100 on
homesteads.) In "random" and "rotational"
jurisdictions, investors have even less control over
which liens they purchase.


In "bid down the interest" jurisdictions, valuable
properties are usually bid to the lowest rate possible
greater than zero percent. (For example, Florida
permits the interest rate to be bid down to a minuscule
0.25% – though it guarantees a minimum 5% return –
while Arizona allows the bid to be as low as 1%.)
Similarly, in "premium" states, valuable properties
are bid up above the means of an average investor.

Unlike a certificate of deposit, tax liens are illiquid.
They cannot be "cashed in" (resold to the taxing
authority), but must be held until either they are repaid
or the holder takes action to foreclose. (It is possible,
however, to assign one's interest in a tax lien to
another party.)

Some experts tout tax lien sales as a means of
acquiring property at highly discounted prices. In
practice, the majority of liens are redeemed well
before the property can be foreclosed (especially
where a mortgage is involved, as the mortgage holder
is secondary in line to a tax lien), and where tax deed
sales are used to foreclose, numerous bidders
participate, thus making the chances of actual
acquisition remote.

If someone is successful in attaining the deed to the
property, the property might have environmental
problems for which the new owner will be
responsible.

Depending upon the state, this could be very
disadvantageous and the investor might have to pay a
large amount of money to have the problem taken care
of and/or be fined daily until the problems are fixed.

There may also be other governmental liens (such as
weed liens or demolition liens) that the investor must
pay off when attaining title to the property. These are
not part of the lien sale and remain even if the lien
holder acquires the property.

If the owner of the property declares bankruptcy, the
bankruptcy court may lower the interest rate to be
paid, or may discharge part or all of the lien, leaving
the lien holder with nothing
THE BEST RETIREMENT GUIDE
EVER; WHAT ARE 401K,  ROTH
401K, INDIVIDUAL 401K, 403B, 457
PLAN, THRIFT SAVINGS PLAN.
What is a cash-balance plan?
What is a SEP IRA? What is a
SIMPLE IRA? --- RETIRE EARLY,
RETIRE RICH! CLICK HERE
Real Estate Assistance Program For Home-Buyers & sellers
FREE MONEY: EARN CASH BACK;  BUYERS AND SELLERS YOU CAN PUT MONEY BACK
IN YOUR POCKET...
Earn a cash back bonus. CLICK HERE...
When you buy or sell a home through  Real Estate Assistance Program With us ... GET
BACK UP TO $2,500.00
------------------------------------------------------------------------------------------------------------------------
------------------
FREE ONLINE AD: COMPLETELY FREE, ABSOLUTELY FREE ADVERTISEMENT ON THREE
DIFFERENT WEBSITES;  NO FEES, NO CHARGES, NO COSTS TO YOU. ..
''- UNCLAIMED MONEY, UNCLAIMED
PROPERTY, THE FORGOTTEN TREASURE
SEATING IN THE HANDS OF THE STATES
GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU
MAY KNOW!
''HOW TO CLAIM THE UNCLAIMED MONEY?

'',,Grant Money, free Money From the U.S.
Government.
You May Qualify For Real Government
Funding. Find Out What You Need to Know
to APPLY... Funding Opportunities
Available for All United States Citizens.
APPLY KNOW!
''- UNCLAIMED MONEY,
UNCLAIMED PROPERTY, THE
FORGOTTEN TREASURE SEATING
IN THE HANDS OF THE STATES
GOVERNMENT
COULD BE YOURS OR TO
SOMEONE YOU MAY KNOW!
''HOW TO CLAIM THE UNCLAIMED
MONEY?

'',,Grant Money, free Money From
the U.S. Government.
You May Qualify For Real
Government Funding. Find Out
What You Need to Know to
APPLY... Funding Opportunities
Available for All United States
Citizens. APPLY KNOW!
,,Get FREE Access to
Exclusive INFORMATION
and Products About:
Grants, Tax liens, Tax
Deed, Foreclosure Deals.
FREE ACCESS! Learn More..
-----------------------------

,,FREE Business
Ownership. SECURITY
ECONOMIC PLAN--  
FINANCIAL, INSURANCE &
INVESTMENT SOLUTIONS
to help you start your own
business.  Learn More...
Be your own boss,  make
extra money,  secure your  
financial future,  obtain
financial freedom.
NO-COSTS, NO CHARGES!
YES!
--------------------------

,,Grant Money, free Money
From the U.S. Government.
You May Qualify For Real
Government Funding. Find
Out What You Need to
Know to APPLY... Funding
Opportunities Available for
All United States Citizens.
APPLY KNOW!
TALK TO A FLORIDA LICENSED
INSURANCE AGENT BY CALLING
AT: 786-709-6577

TALK TO A FLORIDA LICENSED
REAL ESTATE  AGENT AT:
786-709-6577

TALK TO A FLORIDA LICENSED
MORTGAGE BROKER AT:
786-709-6577 FOR REAL ESTATE
FINANCING & REFINANCING.
LICENSED INSURANCE AGENT
AT: 786-709-6577 FOR INSURANCE
GENERAL INFORMATION.

LICENSED REAL ESTATE AGENT  
AT: 786-709-6577 FOR REAL ESTATE
COMPLETE ADVICE & INFORMATION.
BUYING SELLING & LEASING

LICENSED MORTGAGE BROKER
AT: 786-709-6577 FOR MORTGAGE
GLOBAL INFORMATION, FINANCING &
REFINANCING.