TAX CERTIFICATE / TAX DEED: A BETTER WAY TO INVEST MONEY AND GET RICHER. 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?
over Per Year On Your Investments? ---
Investing in Government Issued Tax Lien Certificates. What is a Tax Lien?
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
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
TAX
DEED
Real estate taxes are considered delinquent if not
paid within a specified period of time. If the taxes
are not paid, after notice is given to the property
owner (as well as others holding an interest in
the property, such as a mortgage company), the
property is sold at public auction to the highest
bidder. Some jurisdictions require notice only,
others requiring filing a judicial action to
commence proceedings.
----KNOWLEDGEFINANCIAL.COM
The minimum bid is generally the amount of back
taxes owed plus interest, as well as costs
associated with selling the property. In the event
the property is not purchased, title reverts to the
government, and the property may be purchased
by any member of the public in a private
transaction.
In most cases, the jurisdiction will only provide a
quitclaim deed at the sale, which is usually
insufficient for title insurance. Therefore, a "quiet
title " action must be filed in court to obtain an
insurable title.
Some jurisdictions allow a "redemption period",
whereby the former owner has a specified
amount of time to reclaim the property by
repaying the amount bid at auction plus a penalty
(for example, Texas allows a 6-month period in
most cases, with a flat 25% penalty to be added
to the amount paid at sale). As such, purchasers
of properties at tax deed sales are cautioned not
to make major improvements on the property
until after the redemption period has expired.
In other states the exact opposite is true. Florida
has no redemption period. The winning bidder is
provided a tax deed. A quiet title action must still
be filed to obtain title insurance, however a tax
deed in Florida is a sellable title. Cases in which
individuals were able to recover their property
after a tax deed auction in Florida are extremely
rare. They will take a court action and an
extensive period of time. Also in Florida any
improvements made on the property during the
time the tax deed holder is in possession of the
property must be reimbursed by the original
owner should they be successful in their lawsuit
to recover their property.
A few other things of note are that tax delinquent
properties on which there are no bids at auction
time are placed on a "struck-off" or "over the
counter" list and are usually available for
immediate purchase via submitting an
application to purchase in many counties.
There are 22 states within the USA that hold tax
deed sales, many of them on a monthly basis.
Additionally, for international investors, anyone
(non-nationals and aliens) can own, hold and will
property titles, therefore tax deeds and tax lien
certificates are purchasable by anyone who is an
alien (non-national) of the USA.
Please note: Due diligence MUST be done on
these properties before purchase via searching
the county public records personally or via a title
search company due to the possibility of liens,
IRS amounts or possible mortgages still owing
on the property itself and also for the reason that
you may be purchasing virtually worthless land.
The last thing most people want to become is a
road, common area, park or swamp owner.
Many counties nowadays provide parcel search
facilities online and some of them also provide
aerial photographs or tax assessor shots of the
houses/properties themselves.
----------------------------------------------KNOWLEDGEFINANCI
AL.COM
General Information
Property owners are required to pay property
taxes on an annual basis to the County Tax
Collector. If the owner neglects to pay his/her
taxes by the end of May following the taxable
year, a "Tax Certificate" is sold by the Tax
Collector.
A tax certificate is held for a minimum of two
years and a maximum of seven years. At any
time between the second and seventh year, the
certificate holder may request the sale of the
property to satisfy the certificate.
The actual sale is held in the lobby of the County
Courthouse. All owners and lien holders are
notified and the sale is held in accordance with
Florida Statutes.
The property is placed up for bid and auctioned
off. All bids must be honored within 24 hours of
the sale.
Bidders must deposit $200.00 in cash or
cashiers check prior to making a bid.
A property owner may redeem his property by
paying all back taxes and costs up until the Clerk
of the Court signs the Tax Deed. The sale is final
when the Clerk signs the Tax Deed.
Costs, fees, and any valid liens are paid out of
the monies received from the successful bidder.
Notarized claims must be submitted to the Clerk's
Office to substantiate a claim. The Certificate
Holder is then reimbursed his monies plus
interest earned. The former property owner as
well as lienholders may claim any excess
funds.------------------------------------------------------------------------
-
TAX LIEN SALES
INTRODUCTION TO TAX LIEN SALE
For more than two hundred years, the United
States government has levied taxes against real
estate. At the county government level these
taxes fund a number of services, including
hospitals, public schools, law enforcement, road
construction & maintenance, parks, and
playground equipment. When taxes are not paid,
the government does not have the operating
capitol needed for these programs.
----KNOWLEDGEFINANCIAL.COM
Description
As one means of generating lost income from
delinquent taxpayers, county governments offer
Tax Sales at auction to the public. During Tax
Lien Sales, what is purchased at these auctions
is not land, rather a debt to be collected on. By
purchasing the right to collect past due taxes, a
buyer is in essence loaning money to the property
owner to pay their taxes. During Tax Deed Sales
however, the winning bidder will own the deed
and the land, having purchased it from the county
or authority performing the sale.
A Tax Lien, or Tax Certificate Sale is a public
sale, usually at auction, of the right to collect on a
delinquent taxpayer's debt. This sale is held by
the County, generally once each year. What is
purchased by the winning bidder is not the deed
to a property. The purchaser's money pays the
delinquent taxes to the County on behalf of the
delinquent property owner. In exchange, the
purchaser is given first lien position on title,
ahead of mortgages, deeds of trust, and
judgments, subordinate only to State tax liens.
----KNOWLEDGEFINANCIAL.COM
Under the terms of the sale which may differ
greatly from county to county, if the debt is not
repaid with interest (rate determined at the time
of sale) within a specified time period, the
purchaser of the tax lien may foreclose upon the
property, and all junior (subordinate) liens are
dissolved, forgiven, or otherwise not the
responsibility of the purchaser. If you are
interested in participating in a Tax Lien or Tax
Certificate Sale, contact the county for specific
information and details both about the sale and
the properties.
A Tax Deed Sale is a public sale, usually at
auction, of the deed to the property of a
delinquent taxpayer. The Owner and all lien
holders have been given ample time and have
received proper legal notification that the
property will be sold if due taxes are not
satisfied. Different than a Tax Lien Certificate
Sale, the winning bidder purchases the deed to a
piece of property, becoming the new owner and
obtaining all rights to the property free and clear
of liens, mortgages, deeds of trust, etc.
It is extremely important to know and understand
which type of sale you are attending, a tax deed
or tax lien/certificate sale. Each has specific
rules and guidelines which must be followed
promptly, and which can differ greatly county to
county. It is strongly recommended that anyone
interested in attending a tax sale be aware of the
method and timeliness required for payment and
delivery of a property. For further information,
familiarize yourself with property tax law, consult
a legal attorney, and contact the government
agency conducting the sale.
KNOWLEDGEFINANCIAL.COM
DEED
Real estate taxes are considered delinquent if not
paid within a specified period of time. If the taxes
are not paid, after notice is given to the property
owner (as well as others holding an interest in
the property, such as a mortgage company), the
property is sold at public auction to the highest
bidder. Some jurisdictions require notice only,
others requiring filing a judicial action to
commence proceedings.
----KNOWLEDGEFINANCIAL.COM
The minimum bid is generally the amount of back
taxes owed plus interest, as well as costs
associated with selling the property. In the event
the property is not purchased, title reverts to the
government, and the property may be purchased
by any member of the public in a private
transaction.
In most cases, the jurisdiction will only provide a
quitclaim deed at the sale, which is usually
insufficient for title insurance. Therefore, a "quiet
title " action must be filed in court to obtain an
insurable title.
Some jurisdictions allow a "redemption period",
whereby the former owner has a specified
amount of time to reclaim the property by
repaying the amount bid at auction plus a penalty
(for example, Texas allows a 6-month period in
most cases, with a flat 25% penalty to be added
to the amount paid at sale). As such, purchasers
of properties at tax deed sales are cautioned not
to make major improvements on the property
until after the redemption period has expired.
In other states the exact opposite is true. Florida
has no redemption period. The winning bidder is
provided a tax deed. A quiet title action must still
be filed to obtain title insurance, however a tax
deed in Florida is a sellable title. Cases in which
individuals were able to recover their property
after a tax deed auction in Florida are extremely
rare. They will take a court action and an
extensive period of time. Also in Florida any
improvements made on the property during the
time the tax deed holder is in possession of the
property must be reimbursed by the original
owner should they be successful in their lawsuit
to recover their property.
A few other things of note are that tax delinquent
properties on which there are no bids at auction
time are placed on a "struck-off" or "over the
counter" list and are usually available for
immediate purchase via submitting an
application to purchase in many counties.
There are 22 states within the USA that hold tax
deed sales, many of them on a monthly basis.
Additionally, for international investors, anyone
(non-nationals and aliens) can own, hold and will
property titles, therefore tax deeds and tax lien
certificates are purchasable by anyone who is an
alien (non-national) of the USA.
Please note: Due diligence MUST be done on
these properties before purchase via searching
the county public records personally or via a title
search company due to the possibility of liens,
IRS amounts or possible mortgages still owing
on the property itself and also for the reason that
you may be purchasing virtually worthless land.
The last thing most people want to become is a
road, common area, park or swamp owner.
Many counties nowadays provide parcel search
facilities online and some of them also provide
aerial photographs or tax assessor shots of the
houses/properties themselves.
----------------------------------------------KNOWLEDGEFINANCI
AL.COM
General Information
Property owners are required to pay property
taxes on an annual basis to the County Tax
Collector. If the owner neglects to pay his/her
taxes by the end of May following the taxable
year, a "Tax Certificate" is sold by the Tax
Collector.
A tax certificate is held for a minimum of two
years and a maximum of seven years. At any
time between the second and seventh year, the
certificate holder may request the sale of the
property to satisfy the certificate.
The actual sale is held in the lobby of the County
Courthouse. All owners and lien holders are
notified and the sale is held in accordance with
Florida Statutes.
The property is placed up for bid and auctioned
off. All bids must be honored within 24 hours of
the sale.
Bidders must deposit $200.00 in cash or
cashiers check prior to making a bid.
A property owner may redeem his property by
paying all back taxes and costs up until the Clerk
of the Court signs the Tax Deed. The sale is final
when the Clerk signs the Tax Deed.
Costs, fees, and any valid liens are paid out of
the monies received from the successful bidder.
Notarized claims must be submitted to the Clerk's
Office to substantiate a claim. The Certificate
Holder is then reimbursed his monies plus
interest earned. The former property owner as
well as lienholders may claim any excess
funds.------------------------------------------------------------------------
-
TAX LIEN SALES
INTRODUCTION TO TAX LIEN SALE
For more than two hundred years, the United
States government has levied taxes against real
estate. At the county government level these
taxes fund a number of services, including
hospitals, public schools, law enforcement, road
construction & maintenance, parks, and
playground equipment. When taxes are not paid,
the government does not have the operating
capitol needed for these programs.
----KNOWLEDGEFINANCIAL.COM
Description
As one means of generating lost income from
delinquent taxpayers, county governments offer
Tax Sales at auction to the public. During Tax
Lien Sales, what is purchased at these auctions
is not land, rather a debt to be collected on. By
purchasing the right to collect past due taxes, a
buyer is in essence loaning money to the property
owner to pay their taxes. During Tax Deed Sales
however, the winning bidder will own the deed
and the land, having purchased it from the county
or authority performing the sale.
A Tax Lien, or Tax Certificate Sale is a public
sale, usually at auction, of the right to collect on a
delinquent taxpayer's debt. This sale is held by
the County, generally once each year. What is
purchased by the winning bidder is not the deed
to a property. The purchaser's money pays the
delinquent taxes to the County on behalf of the
delinquent property owner. In exchange, the
purchaser is given first lien position on title,
ahead of mortgages, deeds of trust, and
judgments, subordinate only to State tax liens.
----KNOWLEDGEFINANCIAL.COM
Under the terms of the sale which may differ
greatly from county to county, if the debt is not
repaid with interest (rate determined at the time
of sale) within a specified time period, the
purchaser of the tax lien may foreclose upon the
property, and all junior (subordinate) liens are
dissolved, forgiven, or otherwise not the
responsibility of the purchaser. If you are
interested in participating in a Tax Lien or Tax
Certificate Sale, contact the county for specific
information and details both about the sale and
the properties.
A Tax Deed Sale is a public sale, usually at
auction, of the deed to the property of a
delinquent taxpayer. The Owner and all lien
holders have been given ample time and have
received proper legal notification that the
property will be sold if due taxes are not
satisfied. Different than a Tax Lien Certificate
Sale, the winning bidder purchases the deed to a
piece of property, becoming the new owner and
obtaining all rights to the property free and clear
of liens, mortgages, deeds of trust, etc.
It is extremely important to know and understand
which type of sale you are attending, a tax deed
or tax lien/certificate sale. Each has specific
rules and guidelines which must be followed
promptly, and which can differ greatly county to
county. It is strongly recommended that anyone
interested in attending a tax sale be aware of the
method and timeliness required for payment and
delivery of a property. For further information,
familiarize yourself with property tax law, consult
a legal attorney, and contact the government
agency conducting the sale.
KNOWLEDGEFINANCIAL.COM
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| 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 FOR THE TOP PRICE! SOUTH FLORIDA; PLEASE CONTACT US AT: 786-709-6577 |
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WELCOME TO:
KNOWLEDGEFINANCIAL.COM
KNOWLEDGEFINANCIAL.COM
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How Can You Safely Earn 18% to 36% Per Year On Your Investments?
Yes you can... By investing in Government Issued Tax Liens, Tax deed Certificates. HOW
TO BUY TAX LIENS, TAX DEED CERTIFICATES? Easy, we will show you all the techniques,
strategies and methods ! ---- JUST CLICK ON THE LINK ---
Yes you can... By investing in Government Issued Tax Liens, Tax deed Certificates. HOW
TO BUY TAX LIENS, TAX DEED CERTIFICATES? Easy, we will show you all the techniques,
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Housing Finance Authority of Miami dade, Monroe,
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MARKET LEARN THIS FIRST!...
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information; Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe,
Broward, and Palm Beach County
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Top 10 home-buying mistakes to avoid!
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Why Invest in Unique Property Tax
Liens?
Investing in tax liens and deeds is a proven way to
earn fixed annual returns of up to 12.95%, with the
opportunity to profit from windfall bonuses. Contact
Commercial Equity Partners, Ltd. to learn more
about investing in tax liens and deeds purchased
in select U.S. states.
For more details, call us at:
786-709-6577
Each year, millions of homeowners and land
owners fail to pay their property taxes, leaving the
local government short on funds. At CEP, we work
with other investors to help bail out county and city
governments by purchasing property tax liens and
deeds. ---KNOWLEDGEFINANCIAL.COM
What is a Property Tax Lien or
Deed?
In most states, if a homeowner or commercial
property owner fails to pay property taxes, the
county will issue a tax lien on that property. The
local government may then sell the lien at auction
to obtain the necessary tax revenue it needs to
continue providing services to its constituents.
What does a tax lien certificate look like?
Benefits of Investing in a Tax Lien
Purchase:
No Fees: A tax lien purchase is a "no load
investment", meaning no fees are charged to
invest.
High Fixed Yield: You'll enjoy much more
generous annual returns than standard bank rates,
compounded monthly for a higher APY.
Windfall Profit Sharing: Whenever a property is
foreclosed, the investors in the fund (Platinum) will
receive a significant portion of the profits when it's
sold.
Institutional Investors:
-----KNOWLEDGEFINANCIAL.CO
M
Real Estate Tax Liens are included in the
investment portfolios of major banks and brokerage
houses, who then pay you a 3% return.
Security: All of our tax liens are secured by real
property with an assessed value of 10 to 100 times
the amount of the lien.
The liens have been issued by county and city
governments for non-payment of property taxes.
Under state law, the liens take priority over
mortgages, HOA fees, and mechanical liens,
giving them a strong, secured position.
Fixed Principal: Unlike stocks and bonds, the
principal value of tax lien investments does not
vary.
To see the type of properties for which we
purchase liens, and to determine the value versus
the cost, click here.
In the sagging real estate market, tax defaults
continue to skyrocket, resulting in more liens than
any other period in history. While this is a tough
time for many, it also creates an unprecedented
opportunity to invest in high-yielding tax lien
certificates with a minimum of risk.
Why Invest in Tax Liens?
Savvy investors have been profiting from tax liens
for years. Below are just a few of the benefits:
Superior Returns: The rate of return on a tax lien
can be much higher than stocks, bonds, and other
investments.
Low Risk:
------KNOWLEDGEFINANCIAL.CO
M
Because they hold a high equity position of 85% or
more, tax liens are far safer than other types of
investments. State government laws ensure a
guaranteed rate of interest. In the event that a
foreclosure is necessary, those same laws provide
us with the right to seize the property and receive a
clear title.
Potential for Windfall Profits:
Although the majority of tax liens are redeemed
before a property is foreclosed, there are cases
when the lien is not paid off with interest and fees.
In this scenario, we can potentially foreclose on
the property, paying off any outstanding taxes. This
windfall can allow us to obtain a property at up to
90% below market value, passing the benefits onto
investors like you!
Where Do We Buy Tax Liens & Deeds? CALL
ANTONY AT: 786-709-6577
KNOWLEDGEFINANCIAL.COM
Liens?
Investing in tax liens and deeds is a proven way to
earn fixed annual returns of up to 12.95%, with the
opportunity to profit from windfall bonuses. Contact
Commercial Equity Partners, Ltd. to learn more
about investing in tax liens and deeds purchased
in select U.S. states.
For more details, call us at:
786-709-6577
Each year, millions of homeowners and land
owners fail to pay their property taxes, leaving the
local government short on funds. At CEP, we work
with other investors to help bail out county and city
governments by purchasing property tax liens and
deeds. ---KNOWLEDGEFINANCIAL.COM
What is a Property Tax Lien or
Deed?
In most states, if a homeowner or commercial
property owner fails to pay property taxes, the
county will issue a tax lien on that property. The
local government may then sell the lien at auction
to obtain the necessary tax revenue it needs to
continue providing services to its constituents.
What does a tax lien certificate look like?
Benefits of Investing in a Tax Lien
Purchase:
No Fees: A tax lien purchase is a "no load
investment", meaning no fees are charged to
invest.
High Fixed Yield: You'll enjoy much more
generous annual returns than standard bank rates,
compounded monthly for a higher APY.
Windfall Profit Sharing: Whenever a property is
foreclosed, the investors in the fund (Platinum) will
receive a significant portion of the profits when it's
sold.
Institutional Investors:
-----KNOWLEDGEFINANCIAL.CO
M
Real Estate Tax Liens are included in the
investment portfolios of major banks and brokerage
houses, who then pay you a 3% return.
Security: All of our tax liens are secured by real
property with an assessed value of 10 to 100 times
the amount of the lien.
The liens have been issued by county and city
governments for non-payment of property taxes.
Under state law, the liens take priority over
mortgages, HOA fees, and mechanical liens,
giving them a strong, secured position.
Fixed Principal: Unlike stocks and bonds, the
principal value of tax lien investments does not
vary.
To see the type of properties for which we
purchase liens, and to determine the value versus
the cost, click here.
In the sagging real estate market, tax defaults
continue to skyrocket, resulting in more liens than
any other period in history. While this is a tough
time for many, it also creates an unprecedented
opportunity to invest in high-yielding tax lien
certificates with a minimum of risk.
Why Invest in Tax Liens?
Savvy investors have been profiting from tax liens
for years. Below are just a few of the benefits:
Superior Returns: The rate of return on a tax lien
can be much higher than stocks, bonds, and other
investments.
Low Risk:
------KNOWLEDGEFINANCIAL.CO
M
Because they hold a high equity position of 85% or
more, tax liens are far safer than other types of
investments. State government laws ensure a
guaranteed rate of interest. In the event that a
foreclosure is necessary, those same laws provide
us with the right to seize the property and receive a
clear title.
Potential for Windfall Profits:
Although the majority of tax liens are redeemed
before a property is foreclosed, there are cases
when the lien is not paid off with interest and fees.
In this scenario, we can potentially foreclose on
the property, paying off any outstanding taxes. This
windfall can allow us to obtain a property at up to
90% below market value, passing the benefits onto
investors like you!
Where Do We Buy Tax Liens & Deeds? CALL
ANTONY AT: 786-709-6577
KNOWLEDGEFINANCIAL.COM
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GOVERNMENT BEST KEPT
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ESTATE-GUARANTEE BY THE
GOVERNMENT.--
FLORIDA Counties For Tax Lien
Certificates
Alachua County
Baker County
Bay County
Bradford County
Brevard County
Broward County
Calhoun County
Charlotte County
Citrus County
Clay County
Collier County
Columbia County
DeSoto County
Dixie County
Duval County/City of Jacksonville
Escambia County
Flagler County
Franklin County
Gadsden County
Gilchrist County
Glades County
Gulf County
Hamilton County
Hardee County
Hendry County
Hernando County
Highlands County
Hillsborough County
Holmes County
Indian River County
Jackson County
Jefferson County
Lafayette County
Lake County
Lee County
Leon County
Levy County
Liberty County
Madison County
Manatee County
Marion County
Martin County
Miami-Dade County
Monroe County
Nassau County
Okaloosa County
Okeechobee County
Orange County
Osceola County
Palm Beach County
Pasco County
Pinellas County
Polk County
Putnam County
Santa Rosa County
Sarasota County
Seminole County
St. Johns County
St. Lucie County
Sumter County
Suwannee County
Taylor County
Union County
Volusia County
Wakulla County
Walton County
Washington County
--TAX LIEN CERTIFICATES
INFORMATION CENTER-- FOR UNITED 50
STATES AND CANADA-- UNITED STATES COUNTIES
TAX LIEN CERTIFICATES.
GOVERNMENT BEST KEPT
SECRET INVESTMENT OF ALL
TIME-
THE MOST BENEFICIAL, MOST
LUCRATIVE, THE SAFEST
INVESTMENT.
SECURE BY REAL
ESTATE-GUARANTEE BY THE
GOVERNMENT.--
FLORIDA Counties For Tax Lien
Certificates
Alachua County
Baker County
Bay County
Bradford County
Brevard County
Broward County
Calhoun County
Charlotte County
Citrus County
Clay County
Collier County
Columbia County
DeSoto County
Dixie County
Duval County/City of Jacksonville
Escambia County
Flagler County
Franklin County
Gadsden County
Gilchrist County
Glades County
Gulf County
Hamilton County
Hardee County
Hendry County
Hernando County
Highlands County
Hillsborough County
Holmes County
Indian River County
Jackson County
Jefferson County
Lafayette County
Lake County
Lee County
Leon County
Levy County
Liberty County
Madison County
Manatee County
Marion County
Martin County
Miami-Dade County
Monroe County
Nassau County
Okaloosa County
Okeechobee County
Orange County
Osceola County
Palm Beach County
Pasco County
Pinellas County
Polk County
Putnam County
Santa Rosa County
Sarasota County
Seminole County
St. Johns County
St. Lucie County
Sumter County
Suwannee County
Taylor County
Union County
Volusia County
Wakulla County
Walton County
Washington County
--TAX LIEN CERTIFICATES
INFORMATION CENTER-- FOR UNITED 50
STATES AND CANADA-- UNITED STATES COUNTIES
TAX LIEN CERTIFICATES.
| -- TAX LIEN CERTIFICATES: GOVERNMENT BEST KEPT SECRET INVESTMENT OF ALL TIME- THE MOST BENEFICIAL, MOST LUCRATIVE, THE SAFEST INVESTMENT. 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.-- |
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with the insurance companies?
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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...--
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RICH GUIDE: WHY AREN'T YOU
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Everything. Learn more about this
magnificent place and as well as
other countries.
COPYRIGHT-- What is Copyright?
The Basics About Copyright
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copyright registration.
Do I need copyright protection?
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..Dealership secrets revealed. Before you buy
a car; read this first... CAR BUYER'S WINNING
PLAN!
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car loan. What to avoid when financing a car..
INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing &
Money Management Basics. FINANCIAL
SOLUTIONS, TOOLS & RESOURCES. LEARN
MORE...
INSURANCE PRODUCTS: How to make profits
with the insurance companies?
..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...--
-- BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU
RICH? BUILDING FINANCIAL
WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH
PERSON; YES YOU CAN... Learn
More!
Financial Education - Financial
Knowledge Everything You Need
To Know About Finance.
Dubai- The World Largest, Biggest,
Tallest, Greatest of Almost
Everything. Learn more about this
magnificent place and as well as
other countries.
COPYRIGHT-- What is Copyright?
The Basics About Copyright
Registration. The procedure for
copyright registration.
Do I need copyright protection?
How do I register? Learn More!
..Dealership secrets revealed. Before you buy
a car; read this first... CAR BUYER'S WINNING
PLAN!
..AUTO LOANS: Read this first before taking a
car loan. What to avoid when financing a car..
'' Stock Quotes, Finance, Investment
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Personal Finance News--
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FIND HOMES FOR SALE!. SINGLE & MULTI-FAMILY HERE!
SEARCH FOR CONDOMINIUM, APARTMENTS
SEARCH FOR COMMERCIAL PROPERTIES RIGHT HERE!
SEARCH FOR WATERFRONT PROPERTIES
Motivated Sellers; Selling at Unbelievable Prices... LOOK FOR, FOR SALE PROPERTIES HERE!
Live Your Dream-------
Search it, Find it, Learn about it, Negotiate it, Buy it.
Financial News, Business News, Market News. 11 Great Things to Do With Your Money in Financial Crisis, in Difficult Economic Time!
IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA; PLEASE CALL Mr. ANTONY A PROFESSIONAL REALTOR.
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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
FLORIDA; PLEASE CALL Mr. ANTONY A PROFESSIONAL REALTOR.
AT: 786-709-6577 --- Fortune International Realty
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..
INSURANCE PRODUCTS: How to make profits with the
insurance companies?
INSURANCE TAXES:
The Death Tax Isn’t Dead--
State death-tax planning should be an important
aspect of the estate-
planning process. 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.
TERM INSURANCE ADVANTAGES, TERM INSURANCE
GENERAL KNOWLEDGE. Buy the term, and invest the
difference.
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...
INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS
& RESOURCES. LEARN MORE...
..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...
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability
for damage or injury caused by you or someone
driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend
more than is absolutely necessary on their daily bills,
the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a
number of factors into consideration in order to obtain
the best coverage for your needs at a reasonable
price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on
Home Insurance?
Home-owner's insurance should allow you to rebuild
and refurnish your home after a catastrophe and
insulate you from lawsuits if someone is injured on
your property.
Guide To Homeowners Insurance: Different Types of
Coverage
All insurance is definitely not created equal or, put
another way, you get what you pay for. The least
costly homeowners insurance will likely give you 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:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of
payments. “Annuity” comes from the Latin for “year”.
In the context of life insurance, it is a contract
between you and an insurance company under which
the insurance company pays you money for a
stipulated period.
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..
INSURANCE PRODUCTS: How to make profits with the
insurance companies?
INSURANCE TAXES:
The Death Tax Isn’t Dead--
State death-tax planning should be an important
aspect of the estate-
planning process. 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.
TERM INSURANCE ADVANTAGES, TERM INSURANCE
GENERAL KNOWLEDGE. Buy the term, and invest the
difference.
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...
INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS
& RESOURCES. LEARN MORE...
..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...
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability
for damage or injury caused by you or someone
driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend
more than is absolutely necessary on their daily bills,
the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a
number of factors into consideration in order to obtain
the best coverage for your needs at a reasonable
price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on
Home Insurance?
Home-owner's insurance should allow you to rebuild
and refurnish your home after a catastrophe and
insulate you from lawsuits if someone is injured on
your property.
Guide To Homeowners Insurance: Different Types of
Coverage
All insurance is definitely not created equal or, put
another way, you get what you pay for. The least
costly homeowners insurance will likely give you 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:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of
payments. “Annuity” comes from the Latin for “year”.
In the context of life insurance, it is a contract
between you and an insurance company under which
the insurance company pays you money for a
stipulated period.
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