By admin | August 28, 2008 - 11:13 am - Posted in Learning

1. Who can buy a tax lien certificate?

Anyone who has the cash to pay the auctioneer.

2. Will I be evicting someone from their house?

No, you are only paying that property owner’s delinquent taxes. You are not foreclosing on them.

3. Will I own the property at some future date?

Possibly, all though it is rare that a property owner will forfeit their real estate. In Arizona, for example, 99% of all property owners pay (redeem) the taxes due to the county. The county in turn pays you interest plus a high rate of return. Nationwide, 95% of all tax lien certificates sold are paid (redeemed) by the property owner.

4. Why don’t people pay their taxes?

1) People die and no one pays the tax, though heirs may pay the taxes later.

2) People run out of money or they become unemployed and have money problems.

3) Some people won’t part with their money until the last minute. They believe they are making more by investing elsewhere.

5. Isn’t the county or municipality required or obligated to find the property owner?

Not exactly. They send multiple notices via mail, and put announcements in the public records and the newspapers. That’s all they are required to do.

6. What if the property owner dies?

The county will forward tax notices to the last-known address. Additionally they will advertise the tax sale. Often, heirs or family members step forward to pay the taxes.

7. How many tax liens can I acquire?

There’s no restriction. You can bid and purchase as many as your finances will allow.

8. Whom do I pay?

You will give your money to a government agency – there are no brokers or intermediaries to pay.

9. Who will pay me my return?

Ultimately the property owner pays you when they pay their delinquent taxes. The government agency (the county or municipality that collected money from you) will contact you and ask you to return your tax lien certificate. Upon receipt they will send you a government check.

10. Will I have to contact the homeowners at any time?

No! You only do business with the government agency.

11. Will I have to foreclose on the property?

Statistically there is less than a 5% chance that you’ll ever go through the foreclosure process. An attorney or government employee would do this service for a small fee as it is all controlled by the statutes of the state involved.

12. When do I get paid?

When the county or municipality collects from the property owner, they will notify you. Upon receipt of your certificate they will pay you.

13. How will I know what I’m buying?

First, you are not buying real estate. You are purchasing a lien on the real estate. Should you ultimately foreclose and get the property, then you own real estate.

14. What if I end up with the real estate? What do I own?

Here is how the process works. The county will publish a tax lien sale in the newspaper and public records. Buyer/bidders should research the public records (plot maps, assessment parcel and subdivision maps). The buyer/bidder should also purchase local maps and drive by the subject properties. The drive-by inspection would provide additional appraisal data. Title companies and appraisers, and real estate agents will provide more in-depth information.

15. What happens to the certificate when I buy it? (Do I take it home?)

Yes, you can put it in your safety deposit box or other place for safekeeping.

16. Are the certificates transferable?

Yes, you can assign or transfer the certificates to anyone you want.

17. Are the properties always improved?

No. The properties could be vacant land or improved property. Often large commercial properties are available in the tax lien sale.

18. Is it better to buy improved property or vacant land?

Improved property has the advantage of quick re-sale in many cases. Additionally, improved property will often have mortgage liens. Mortgage holders rarely let properties go to tax sale. Properties with mortgage liens almost always assure you of re-payment of your investment.

19. I want to get a property for sure, not just a tax lien certificate.

That’s possible – but highly unlikely. Specialists find that certificate holders get the property in only 1% to 5% of all tax lien sales. We will cover this process in a later chapter in this book.

20. Is the process of purchasing tax lien certificates the same in all states and counties?

No, each state and county uses its own rules. The state legislatures write the statutes. However, they are subject to local (county and municipal) interpretation. Tax lien buyers should research each county before purchasing their tax lien certificate, and should become aware of the local rules.

21. What happens if the property owner does not pay next year’s taxes when they are due?

You, the previous year’s certificate holder, can buy the subsequent year if the property owner does not. This is like buying another safe high yielding C.D.

22. What if I don’t want to buy more than a one-year certificate?

You aren’t required to pay more than one year’s taxes. However, it would probably be wise to note when the next payment is due and pay those taxes also. You’ll get your money back when the certificate is redeemed, plus an exceptional rate of return. If you can’t pay the subsequent tax lien, the county will issue a new certificate that they will sell at auction.

23. Is there any way to forecast when a certificate will be paid (redeemed)?

No! That’s why you should buy more than one lien certificate. Different certificates will pay off at different times.

24. Can I buy before the auction-sale?

In some counties, prior certificates left un-sold will be available before the auction-sale.

25. Can I lose money buying tax lien certificates? It’s possible to lose money in any investment anywhere and at any time. All investments have some risk, even certificates of deposit. However, as a rule, tax lien certificates are considered very safe investments.

The local government issues tax lien certificates and they are the senior liens on the property. The county and municipality have the responsibility to conduct the sale fairly, and they have the authority to award you the right to foreclose on the property if the taxes aren’t ultimately redeemed (paid). At that time, you’ll own real estate for the taxes you paid plus any foreclosure costs. But remember: When you purchase a Tax Lien Certificate, you are buying delinquent taxes, not real estate.

For more information on Tax Lien Certificates and how you can make money investing in them, please visit us online at or

Ted Thomas Bio:

Ted Thomas is a Florida based publisher and author of numerous money making Home Study Courses. Ted is the guy people go to when they want to improve their business marketing and sales results. Ted’s Marketing Master Mind sessions are attended by the important people that make up the Information Marketing Industry. Ted is a recognized expert and in-demand speaker in the United States and in Canada on the subjects of Government Secured and Guaranteed certificates. His title “The Foreclosure Authority” generates many consulting requests. More than 100,000 students have success -fully completed Ted Thomas’ Home Study Courses. Ted Thomas

By admin | August 20, 2008 - 11:13 am - Posted in Learning, Working

I wanted to take the time to talk to you about trading in foreign exchange. This is a great way to earn a second income from the comfort of your own home. It can really help a person pay for bills that seem to be growing these days. The market is getting tighter and prices are going up, so it only makes sense to earn a second income, right from your home. I’ve been doing this for a few years now and there is a lot of little things you need to know. If you don’t take the time to prepare, you can lose a lot of money, so follow my words of wisdom.

Brokers

Your broker will be the middleman between you and the market. It will hold your money, so this means it has to have a high standard (at least for me). The problem is that good, reputable online brokers look the same as poor quality and even scammers. The internet removes barriers of entry and people can literally put up a scam website for under $20. This means you have to do research to find the proper brokers. These types of websites don’t last long, and I’m not trying to scare you, but you just need to do your research.

Candlestick Graphs

You’re going to notice a trend. Everyone looks at currency graphs in the candlestick format. The reason for this is that it contains the most information and still looks pretty good. The problem is that most people are forced to memorize all these situations to figure out if a currency is worth buying. This is just poor quality. What you should do is get a book to teach you how to understand the fundamentals.

is a great book for learning the fundamentals. You don’t have to memorize all these different scenarios. You can learn the fundamentals and be able to understand any graph you look at.

Learn more at .

By admin | August 16, 2008 - 11:13 am - Posted in Articles

We are all taught from a very early age that it’s not only polite to share with others, but it’s pretty much expected in our society today. This same moral standard of sharing needs to be adopted by websites that publish coupon codes for online shoppers to save money.

Let’s take a quick moment to explain what coupon codes are for those that are scratching their heads right now. Online merchants create coupon codes that offer special discounts to online shoppers. The merchants offer these coupons to entice shoppers to purchase from their online stores. These unique alpha-numeric codes are made available to websites that publish these coupon codes.

If you did a Google search on “coupon codes”, you would be shocked by the almost 6 million pages returned. There are literally thousands of websites that publish these online coupons for merchants. I suspect there are so many coupon code websites partially because not one website has every single coupon for every online store that is on the internet. Based on sheer volume, it would be impossible for a single website, with its limited resources, to know about every coupon code put out by online stores.

Coupon code websites that allow users to share coupon codes anonymously will not only have a much more complete list of coupon codes to publish in a single location., but they will also offer the online bargain shopper a one stop location for retrieving these money saving coupon codes. Think of the time you would save by having the largest online list of coupon codes in a single website.

Unfortunately, most coupon code websites do not allow budget minded shoppers to share coupon codes, which will eventually lead to their downfall. I feel the future of coupon code websites is to allow the extensive number of shoppers to share coupon codes and share internet deals in the attempt to give online shoppers the best online shopping experience. The next time you’re looking for a coupon code online, consider visiting a website that promotes coupon code sharing and take a minute to share a coupon code that you found. We will all benefit from sharing coupon codes.

Scott is the webmaster of a popular coupon code website known as that allows online shoppers to and internet deals.

By admin | August 10, 2008 - 11:13 am - Posted in Learning, Starting

There are many ways that you can make money in the forex market. This article will discuss different areas that you can learn and gain more knowledge and choose a trading method that you can develop on your own and make a lot of profits in forex trading. So let me discuss those areas.

The first area will be a trader who is generally developing money making trading methods. This is done by going threw a forex course, reading different trading books, demo trading and developing their own trading style. This is a long process but you can succeed, once you develop that style you will make money.

The second area is purchasing a software that will do your trades, to be very truth, this area I will stay away its too risky letting a program doing your trades is not really trading is more gambling.

Another area will be find someone who is already making money trading the forex market and learn from his or her deals. Learning from someone else who is already successful will benefit you a lot and save you time.

There are reasons why people fail is the fact they lack trading discipline. It’s easy at first to get excited and trade using far too much leverage or refuse to accept a lost in your trade. Believe me that successful traders get over these human emotions. Remember that your emotions and currency trading are important is your trading decisions.

If you want to make money forex trading, it is important to have a solid trading plan combined with risk management.

It is important to remember; trading currencies is extremely risky, even more so for new, inexperienced forex traders, always prepare your trades.

These are many more advantages in forex. You should take these advantage and apply them.

If you want to see how you can do it, just go to

By admin | August 6, 2008 - 11:13 am - Posted in Working

The growth in the number and size of margin accounts for stocks especially among day traders suggests that many people foolishly neglect these simple truths. From 1996 to 1999, margin debt rose nearly fivefold at on-line brokerage firms and doubled among NYSE member firms. During the decade of the 1990s, margin debt as a percentage of total consumer debt quadrupled from 4% to 16%. Yet many people do not understand that margin loans are not like other consumer loans.

Margin traders borrow from their brokers at rates ranging around 9 to 11% in order to buy stocks with the borrowed money. They think they can leverage those loans by using the proceeds to buy stocks whose price rises plus dividends yield greater returns. In euphoric markets those people may win, getting returns higher than the cost of the money. In gloomy markets they get crushed.

When the balance in your portfolio falls so that your margin loans are equal to about half or more of that amount, you have to put cash in to pay down that debt. If you don’t have the cash, your broker will sell some of your shares with or without your cooperation. Add the interest expense and the trading costs to a reversal of Mr. Market’s euphoria to count your losses, then multiply that by the number of overextended margin traders and you have the acute slope of a downhill market before you.

The big margin traders might as well be high-rolling in Monaco on borrowed money. Look no further than the poster boy of marginized day trading to see the stupefying riskof this strategy. The most vocal proponent of this high-stakes game is Barry Hertz, the impresario of a company called TrackData Corporation. Its marketing pitch gleefully enthused that investing was easy, and Hertz advised his customers to day trade, using borrowed funds.

Hertz at least took his own advice to double speculate. So on Q day, his own brokers called him to say they needed over $45 million to shore up his margin account. To do so, Hertz had to pledge over 50% of his shares of TrackData. Heed the advice of those like Hertz if you like what happened to him.

Financial Gambling

You would also do well to remember the tragedy of 28-year-old Nick Leeson, the so-called rogue trader working for the Singapore branch of Barings. He funded his trading with millions of dollars of borrowed money, and when the market turned against him, he brought down Barings, the oldest bankin England and the one that financed the Napoleonic wars and the Louisiana Purchase! Leeson ostensibly was doing arbitrage trading, focusing on differences in prices of Nikkei 225 futures contracts listed on the Osaka Securities Exchange (OSE) in Japan and the Singapore Monetary Exchange (SIMEX). He bought futures on one market and simultaneously sold them on the other. This was a low-risk strategy , since the two positions offset.

Its success led Leeson to another move, a straddle where hesimultaneously sold put options and call options on Nikkei 225 futures. This was a medium-risk strategy , very effective in stable markets but dangerous in volatile ones.

An earthquake that rocked Kobe, Japan, in January 1995 plunged the Nikkei and terrorized Leeson. As the market roiled, Leeson acted like a heroin addict and adopted the high-risk strategy of buying more Nikkei futures in the vain hope of propping up the fallen market. When the dust settled, Barings’s exposure on the futures contracts ran to a staggering $1 billion, far in excess of Barings’s total capital. The bankfell to its knees. Investigators discovered that Leeson’s positions had been covered by Baring’s margin accounts while he was trading, but after the crash and after Leeson fled Singapore for Germany they were not. During his trading, Leeson told Barings’s main branch in London the plausible story that he was hedging his long futures positions with private contracts and was also making hedged trades on behalf of a client of the bank. In fact, the client did not exist but was a fictitious name given to an account that Leeson invented earlier for his own use.

Leeson allegedly funded that account with proceeds from other trades and used those funds to maintain the margin account balance. He apparently used the fictitious client account to convince Barings in London to provide additional firm capital, which Lesson in turn used to shore up the margin account. In the end, none of that was enough.The Leeson lesson is admittedly an extreme psychological case tripped up in a mix of exotic securities, excess margins, and fraud. But the drama is a memorable warning that margins and exotica can get you in over your head and that mixing them can get it handed to you on a platter.

Tips to turn $1000 into $1,00,000, articles on and investing. To get detail about the and visit 2stocktrading.com.

By admin | August 3, 2008 - 11:13 am - Posted in Working

When soybeans are mentioned, the mind immediately turns to food items such as soy milk, tofu, etc. This is how the general population thinks, but George Washington Carver and The Chicago Board of Trade think differently! They probably visualized trading soybean futures and options!

When George W.C. wanted some other commodity to take the place of cotton in the south, something that would bring in more profits, he chose soybeans. It was only later that he discovered that soybeans had a variety of uses other than just as food! They could be be employed in the preparation of varnishes, paints, linoleum, plastic, inks and also fuel!

Realizing its huge potential, the Chicago Board of Trade put soybeans at the top of their list of popularly-traded commodities. Also, soybeans are easy to grow. Today, with the help of the South American soybean sector (more soybeans are grown here), the Board has gone in for trading soybean futures and options.

What are the advantages to trading soybean futures and options?

(1) The trading soybean futures and options market is open to one and all, especially interested investors. As a matter of fact, business owners whose businesses are closely linked to the production or acquisition of soybeans should find this an attractive proposition!

(2) There is no need to have great knowledge about agriculture or agricultural products. This is after all, a matter of trading in a particular commodity. People who sign contracts related to trading soybean futures and options will discover that thay can handle their trading tools much better, thus boosting profits.

(3) Trading soybean futures and options can be carried out at physical locations, as well as online over the Internet. Isn’t this convenient?

(4) These trading contracts offer transparency, arbitrage opportunities, enhanced hedging efficiency, the existence of a worldwide benchmark, greater liquidity and financial integrity (as they are supported by the Chicago Board of Trade).

(5) Soybean oils are primarily responsible for bio diesel fuels. And if one looks around, more and more people are opting for non-pollutant and alternate sources of energy now-a-days. The future therefore looks bright, since soybeans may become a greatly desired commodity soon!

(6) Soybeans coming first in the race can be attributed to the fact that fuel products are becoming more and more expensive; this is a more viable option!

(7) Of course, price fluctuations are always there, and businesses dependent on soybeans as a raw material will be constantly wary of them.

(8) Supply of soybeans is dependent on how much can be produced during the springtime. Unpredictable weather conditions also play a role in the supply. So the supplier cannot guarantee the supply of soybeans throughout the year!

(9) Despite the ups and downs concerning supplies, it is heartening to note that the demand for soybeans is not going to come down. So investors need never fear that the market value of soybeans is going to be affected. As the demand increases, price will also increase!

Thus, as experiments to use soybeans for different purposes are underway, trading soybean futures and options promises to be a lucrative business!

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