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Get Tax Lien Properties in Days, Not Years!

The main disadvantage to trying to acquire tax lien properties is the long wait that goes into a tax lien investment before a deed can be obtained. Some states have a redemption period as long as 4 years (the time allowed for the owner to pay off the lien). And, after the redemption period there is often a significant wait time for the deed to actually be issued by the county and a quiet title action performed (this is necessary before you can sell the property with title insurance).

Also, you’ll find that over the course of the redemption period, most tax lien properties will indeed redeem (pay you off), leaving you with a decent interest rate but no properties.

I’m about to show you a way to get tax lien properties now, without doing any bidding, waiting, or investing your own funds to buy tax liens.

Several years ago, while attempting to obtain tax lien properties myself, I noticed that 95% of the properties redeemed, and that using all my available cash I could only purchase 10-20 liens each sale. This meant that I only stood to get on property at the most from the sale. In fact, I never got any properties, all my liens paid off.

At the same time, because there were hundreds of liens sold at the sale, indeed there were a couple dozen properties that were lost each year. The problem was, there was simply no way to know which tax lien properties would go all the way to deed, so you just had to get lucky with whatever liens you purchased.

One day I was going over the final results of a tax lien sale that occurred the year before (there was a one-year redemption period which had just ended), and I was looking at all the lucky buyers that had acquired a property or two. There were actually some nice properties on the list that could have been redeemed for less than $10,000 that were worth over $100,000.

It had been several months since the redemption period ended, and I thought to myself “I wish I had been on this owner’s doorstep right before the redemption period so I could have warned them – I could have at least given them some money for the property so they walked away with something!”.

Then it hit me – why don’t I look at all the tax lien properties from this year’s sale, that could still be redeemed for the next few months, and start approaching all the owners who were about to lose their properties!

I did just that. I looked up which liens had sold the year before, and crossed out all the ones that had paid off in the meantime. This gave me a short list of all the owners who were about to lose their property. The original tax lien properties list before the sale was over 10,000 properties. Of those, about 1100 sold at the sale and by the time I got the list 800 of them had paid off. So I had a prime list of 300 properties to really focus on over the next month.

The results shocked me. Here’s what I found:

  1. Most of the properties were free and clear. I later realized that if a property had a mortgage, it was likely one of the 800 that paid off already because mortgage lenders redeem properties to save their own interest.
  2. Far fewer of the owners were owner-occupants compared to mortgage foreclosures. Of those who did occupy the property, most had been given the property through an inheritance or other means. To this day I’ve never seen someone who spent 30 years paying off a mortgage and then allowed the property to fall victim to unpaid taxes.
  3. Many of the property owners were deceased. I soon learned how to get deeds from the heirs and get instant title to the property. Most states have a “small estates” provision that will allow you to get good title to the property without a long, drawn-out probate. Since almost nobody outside the legal profession knows how to do this, you’ll have a tremendous advantage.
  4. All the properties that “fall through the cracks” end up at a tax sale eventually. Maybe someone was given a property they didn’t want. Maybe someone was sick of paying for repairs and taxes and just gave up being a long-distance landlord. Maybe family members moved into the house and were supposed to pay the taxes but didn’t.

For whatever reason, tax lien properties are the most interesting source of pre-foreclosures you’ll ever find – and the profits can be immense.

Best of all, you can get involved with little risk by either making a token payment for the deed to the property (in the case of someone who tells you they’re letting it go), or by getting the property under contract and flipping to another investor.

Incidentally, investors trying to get their hands on tax lien properties through tax lien auctions are excellent people to assign contracts to – they are proven cash buyers who buy sight unseen, and you can get them a property now with no bidding or waiting, at a bargain price! What could be better?

Lao Travel Planning Tips

Planning a trip to Laos? By now you might have done your research, and know a bit about Laos. You might already get excited and dream of the place you’re heading to. But wait! You need to plan your trip a bit before you go.

A careful planning plays an essential role in determining your travel experience (good or not so-good). Here are some tips to keep in mind when planning a trip to Laos.

If you plan to go to other countries in the region before or after Laos (e.g Thailand, Cambodia or Vietnam), at least determine where to go first, next and last plus the entry/exit points in Laos. It’s important to have a clear plan to avoid doubling back that can eat up your time and money.

  • Plan your itinerary carefully. It helps saving hassle, time and money if you plan your routs thoroughly.
  • Decide where and how to get your tourist visa. Tourist visas are now valid for 30 days. Here are two ways to get the Lao visa:
  • Arrange it with the Lao Embassy, either in your neighbor countries if there isn’t one in your own country or in one of Laos’s neighboring countries (Thailand, Cambodia, Vietnam and China). Allow plenty of time if you chose this option.
  • Get it at Lao border or airport. Tourist visa is issued at most Lao ports of entry. Visa fee ranges from US$20 (China) to US$42 (Canada). Remember to take exact amount of money and 2 passport photos for that.

Please note that not everyone is eligible for Lao visa-on-arrival, you better checkto make sure you aren’t in the list of “not entitle” nationalities.

  • Get your passport ready. Make sure your passport is not expiring within the next six months. You won’t be given a visa to enter Laos if your passport has less than six months validity. It can be worse if you plan to get a Lao visa-on-arrival, and arrive at a Lao border or Airport only to find your passport is invalid.
  • If you consider taking anti-malarial drugs, take it well in advance because you might have awful reactions to anti-malarial. If you take it too close to your travel date, you may still feel awful on your vacation. It’s best to ask your doctor.
  • Sort out your traveler check or credit card(s) for use in Laos. Take some cash as well. Small notes make it easy when you need to buy things on the go like bottled water and snacks.
  • Book/buy your tickets early. Book your ticket as soon as you have a clear plan. You can save good amount of money by purchasing your ticket early. Stay with the same airline during your entire trip to receive round-trip or connecting fare discounts.
  • If you’re on medication ask your doctor for your prescribed medicine. Take enough for the period of your travel. It’s a good practice to keep them in their original packages (in case you have to declare at the airport security checkpoint). Putting them in your carry-on bag to ensure that you have your medicine whenever you need.

Tips For Finding The Best Online Education Opportunities

Online education is the new way to obtain a degree with convenience. There are a number of wonderful online programs which allow individuals to obtain their education at times which are most convenient to their currently daily schedules. Whether attending full time or holding down a day job and taking classes whenever possible, this online educational avenue is a great thing to pursue. There are a few tips to keep in mind in order to find the best education opportunity possible for those who wish to obtain degrees via the World Wide Web.

Search a Multitude of Options

First and foremost, it is extremely important to look around a bit at different options and not select the first online university which you come across. As with any type of educational institution, some online education providers are better than others. Therefore, shop around a bit with regard to educational possibilities and only select one from the bunch after thoroughly reviewing your options.

Consider The Cost Of The Online Program

It is also important to consider how much the entire online program will cost you. This relates to not only the online class portion but books and any other costs as well. Some online program providers will offer loans for those who need to find a way to pay for their education. Other providers may not offer loans but will accept money obtained via outside lenders. In addition, there may be a way to pay for the online degree in installment payments which will make the overall education much more affordable.

Determine How Many Credits Will Need to Be Obtained to Acquire a Degree

You should also determine how many credits you will need to acquire in order to get your degree in the desired educational subject. Some online schools will offer degrees for fewer credits than others. By choosing a school where less credits are required, you may find that you receive the same type of education for less money. Therefore look into the credit requirements of each online educational provider prior to selecting a specific one.

Look Into How Classroom Sessions Are Administered

One who is searching for an online school should also find out how the virtual classes are administered. Some may find that classes where the students can do the coursework at their leisure may be more suitable to their schedule than ones which require the student to log on at certain times throughout the week to attend classroom sessions. This is an important factor to consider so that you can be certain to get all of your coursework done in a timely and efficient manner.

Inquire About the Reputability of the Online Program

Last but certainly not least, you should inquire about the reputability of a certain program prior to signing up for a specific one as this will often determine whether the program is worth your money or not. As with any educational institution, certain online educational programs will be better than others. Therefore, try doing some research online when it comes to figuring out how good a certain education program is and ask friends and family members with regard to online education recommendations.

Playing Online Poker For a Living – 4 Simple Tips That Can Help You Play Cards For a Living

Card game addicts can soon start dealing out cards no matter where they are, before you could even say “Indiana Jones”. These people love this game, and no matter what, they will always find a plain simple excuse to play it. Some play online for a livingIf you are quite in their league too, it is no wonder if your fingers itch all the time to try out your luck and fortune at the card games. Well, the solution to itching fingers is only a few clicks away. You can find many web sites where you can play poker online and also win money if you are a host to good fortune and tricky skills.Card players find it easy to play card games online, since here, the ambience is quite relaxed and quiet. You never know with whom you are playing. It could be an old man or woman, or a child as well! But one thing is for sure- here no one will be able to peep and have a look as to whether you have a winning hand or not. Here, no one is there to rush you, no one to call the shots but you. But even though this seems as if the rules here are quite easy and relaxed, actually, they are not. You have to abide by certain laws which if you neglect, will result in your disqualification.o Before you start to play, you must try to decide if you are willing to play poker for your entire income. To do this, you will have to look back at the games that you played in the past, and how you handled your bankroll after a big win. Did you jump into the stakes or invest your winnings?o Then again, if you had never the chance to see so much money while playing poker, but lost about ten tournaments in a row, you have to remember what your action was. Did you move down or up in stakes? These reactions of yours are necessary to judge whether you will be able to make a living on poker.o The main trick is not how much money you win, but how you win it. When you do not have a winning hand, you have to see that you lose very little of cash. But when you have the best hand, you have to try to call the right shots at the right time to milk in a lot of money out of your opponent’s pockets. To maneuver the game carefully you have to assess the situation accurately and rely on your gut instincts.o Another key skill that you need to hone is patience. You might be able to rely on your instincts, and make quite sharp decisions at the crucial moments in the game; you might be able to calculate thoroughly the result of every move of every player around the table; you might be able to tighten your purse strings when you have no winning hand, and get the best odds to win the most when you turn out to be the lucky one, but there is still a chance that someone might come about and upset your plan and shatter it to rubbles. During these times, it is necessary that you do not lose your head, but start to build another plan, so as to win back what you have lost.These rules will help you to get to the very peak where you can earn a lot of money, and there will be no stopping you as well. Remember, rules are important in a game, so that you do not get disqualified, and you can always use them to your advantage.