TAX SALE RICHES/LAZY-INVESTOR

If all you know about property tax sales is bidding at the auctions, not only are you missing out on three other excellent ways to make money, but you won't even really understand what's going on at the auctions, or why you're being consistently outbid by those who do.

TAX SALES OFFER FOUR SEPARATE CHANCES TO PROFIT
On the other hand, once you understand that property tax sales are just one part of a four stage process and that each stage offers opportunities for investors to profit, then the sky is the limit and there will be no stopping you.

That's the beauty of learning to invest in tax liens and tax deeds, it's a very safe, profitable and flexible investment. You decide how much time and effort you want to put in and how much money you want to make. You decide the lifestyle that you want to have and I'll show you how investing at tax sales can help you enjoy it.

For example, a lot of people would pay hundreds or even thousands of dollars, just to learn how to earn 20% on your money, guaranteed, with no work. A lot of people would be more than satisfied earning 20% a year on their money safely and easily,, but that's easy and I can show you how to do a lot better.

Just to show you how easy it is to make 20% a year and more on your money with tax liens, without even doing any work, there was a gentleman advertising in USA Today:

"Invest in tax liens earn 24% a year."

I called him up and spoke to him and sure enough, he will gladly pay you 24% interest a year and he will even secure the money with liens on free and clear real estate that he owns. But why?

Why is this man willing to pay such high interest rates?

Because he buys the property at tax sales for an average of ten cents on the dollar! He started just a couple of years ago, with a few thousand dollars and now he owns millions of dollars of property free and clear. He is making so much money, that 24% a year interest is irrelevant to him. In fact, he says he wants to pay high interest, just so that the investors don't get jealous when they realize how much money he is making.

This man is just using one simple technique out of several I am going to teach you, but don't get me wrong. He is no passive investor. He works at this, full-time, but if he keeps going like this, within five years or less, this man will accumulate $100 million worth of property free and clear!   After he pays off all the mortgages! Now, do you see why he doesn't mind paying 24% interest?



YOU WORK AS HARD AS YOU WANT TO

That's the beauty of tax sales. You only work as hard as you want to. If you really want to build up a $20 million retirement fund and have a multi million yearly income, then you're going to have to hustle for the next couple of years. I'm not going to kid you about that.

BECOME A FULL-TIME MULTI-MILLIONAIRE

You're going to have to get out there and attend tax sales and go through the county records looking for the right properties where you can get the best yield on your investment

BECOME A SPARE-TIME MILLIONAIRE

Many of you will decide that you just don't want to work that hard and so you will settle for a million dollar retirement fund, with an income of only six figures a year. Well, the good news is that that's easy to do and you can accomplish it in your spare time, while you keep your present job or business.

How much you make, depends on where you invest, why you invest and how you invest, but you will make money when you invest in tax deeds or tax certificates, because the state or local government guarantees it. Do you understand the power of that?

The government guarantees that you will make money doing this!

Even if you make mistakes, you don't do your research well, or you don't do any research at all and you buy the "wrong" property, or the "wrong" tax lien, you will still make money. You just won't make quite as much as you would if you bought the "right" property, or the "right" tax certificate.

Tax sales are a great opportunity, simple, straightforward and very, very safe..

You buy from the government, the government guarantees you high interest rates or big profits and the government either sends you your money, or helps you get title to the property for pennies on the dollar.

There's no other investment I know of which gives you the profits, the flexibility and the security you get investing in tax liens, but I know, some of you out there still aren't satisfied. Some of you probably think this still sounds like too much work, going to the auctions, bidding, traveling. But guess what? If you don't want to travel, you don't have to. You just bid on properties which did not sell at the auctions. Sometimes, they will hold special auctions just to sell properties that don't sell at the first auction. Or, these properties will be auctioned off again at the next regular tax auction. They might even be sold over-the-counter, to anyone who walks into the state or local tax office, but often they will be sold at sealed bid auctions, where you can buy them through the mail.

You can do almost everything over the internet. You can research the properties, get the bid forms and the auction information and do it all without ever leaving home. It doesn't get any easier than that.

And, if the tax lien doesn't sell at the public auction, then you may get an even better deal. You may be able to buy it direct from the state or local government "over-the-counter"

Go to the records of any major county and there are usually pages and pages of properties that never even drew a bid and can be bought outright for pennies on the dollar with no competitive bidding. or you can even buy tax certificates and tax foreclosed properties by mail, without ever leaving home.

Anyone can make money investing in tax liens and I make it particularly easy for you. I have put together a comprehensive home study course, Tax Sale Riches, How To Make A Risk-free Fortune Investing In Tax Certificates And Tax Deeds, and by using the simple techniques and strategies for evaluating properties and bidding, that I teach you, anyone can succeed.

HOW TO PROFIT FROM ALL FOUR STAGES OF THE TAX SALE PROCESS

I show you several ways to profit from tax sales, besides buying at the public auctions. In fact, I show you how to profit from four distinct stages of the tax sales process, and buying at the auction is only one of them, so why miss out on the other three?

STAGE ONE: BUYING BARGAINS FROM THE OWNER BEFORE THE SALE

First of all, in Stage One, I show you how you can make a lot of money before the property ever comes up for auction. Property tax sales are not a secret. By law they have to be publicized. The names of the delinquent property owners, their addresses, the amount of taxes and penalties that they owe and any other liens or encumbrances on the property are all listed in the public records. By doing a little research, you can contact some of these people. Many of them are classic don't wanters who will be anxious to sell.

For example, one day I came across a property that was listed as being free and clear and was worth almost $200,000. There was less than $20,000 owing in taxes and penalties, so I had the feeling that it would never actually go to sale. I decided to contact the owner and I found out there wasn't any single owner of the property; there were eleven of them listed on the title, all as tenants in common and scattered up and down the state.

So, I contacted all of them, then spoke to their attorney and found out that sure enough, they were not going to let the building go for taxes, but they were sick of dealing with the building and with each other and so they were anxious to sell at a good price; on my terms.

I didn't even want the building, but I quickly found someone who did. I flipped the building for a fast, easy profit, before we even closed escrow, using a simple technique I show you step by step in my course. In fact, I show you how to take it even one step further and put tax-free cash in your pocket when you buy properties from delinquent property owners before the tax sale.

STAGE TWO: BIDDING FOR BARGAINS AT THE AUCTION

Next, in Stage Two, I show you how to bid at public tax auctions. Sellers - including state and local governments - hold auctions to benefit themselves, not the buyers. Trained auctioneers know how to get the best price by whipping a crowd into an auction fever, so that they all start trying to outbid each other and logic goes out the window.

I show you how to overcome auction fever with careful planning, so that you know exactly what you can afford to bid and refuse to go any higher. If you do get out-bid, instead of getting angry or frustrated, you just stand back and grin, knowing that someone else made a mistake and bid too much. I also show you how legal insider knowledge can make all the difference when you are in a multiple bidder situation and give you the edge.

Different states and even different counties have different bidding procedures. I take you through these different bidding procedures, step by step and show you how to profit from the strategies and techniques of the professionals.

In some cases, you bid up the price of the tax lien. You start with the minimum bid, the amount of back taxes due and then the person who agrees to pay the maximum amount over and above that minimum, gets the tax lien.

I teach you how you can bid up the price of a tax certificate, scare off the other bidders and still pay only the face value of the tax certificate - the minimum bid - when you actually put up your money. For example, let's say a tax certificate comes up for sale at $1,000. It pays 24% interest and it's secured by a nice single-family home, worth about $60,000, so there are several people bidding. The first person starts at $1,000. Someone else bids $1,100. Then $1,200. A third person jumps in at $1,300, and then you scare them all off, by bidding $2,000.

Imagine their surprise when you walk up and hand the clerk $1,000 - the amount of the minimum bid - and walk away with that tax certificate and a 24% yield. I show you how it's done - just by using simple legal strategies that very few bidders know about.

In other states, you bid down the interest rate. You start with the maximum interest rate allowed by law and the person who agrees to accept the lowest rate of interest gets the tax lien. You are going to learn how you can bid down the interest rate to almost nothing, scare off the other bidders that way and still get up to 18% on your money.

Just imagine the power of that! You'll never be afraid to go to an auction again, not when you understand my system and its strategies for success!

RATING EACH STATE AS A TAX SALE BUYER

I also take you step by step through the whole tax sale process in each state and then I rate each state as a place to invest in tax liens, based on your individual needs and goals. I go through the bidding procedure and tell you what interest rate each tax certificate state pays, how long the Redemption Period is and, whether you automatically get the property when the Redemption Period runs out, or if you have to go to court to foreclose. If it's a tax deed state, I tell you how to go about buying the property itself and which states offer the best opportunities to do that and why.

RATING EACH STATE ON A REGIONAL BASIS

I also rate all the states on a regional basis. This way, you can concentrate on three or four states near your home. For example, you might live in a tax certificate state, but you don't care about collecting interest. You want a chance to buy the properties themselves. Or you live in a tax deed state, but you only want to buy tax certificates, not real estate. A state right near you, might have just the opportunity you're looking for and it may be only a short drive away, so you don't have to fly clear across the country.

This information took me years to accumulate and normally, I charge $299 for my tax sale home study program, Tax Sale Riches - How To Make A Risk-free Fortune Investing In Tax Certificates and Tax Deeds but I want to get some of you people going, get you to make some positive changes in your life instead of putting it off, so I'm going to cut the price $150 to only $149.95!

STAGE THREE: BUYING BARGAIN PROPERTIES DURING THE REDEMPTION PERIOD

Next, is Stage Three. I show you how to make money after the tax sales, buying up the tax certificates which didn't sell at the public auctions. For example, let me give me tell you about James. He was very cautious when he started out and did not really believe that all of this would work. It just sounded too good to be true, so he assumed it was. He wanted to try it, but not in any big way, so he invested less than $100, and bought four tax certificates.

Three of them paid off, just the way they were supposed to. James got his money back, plus an extra 18% profit. But the fourth delinquent property owner said he didn't want the property and had no intention of paying the taxes, let alone any interest. He offered to give James the property instead.

James accepted the deed and even solicited bids from several local contractors to fix the place up. One of the contractors offered to buy the property instead, for $10,000 cash. And guess what James did with that $10,000? That's right. You'd better believe that he bought more tax liens and he's been buying them ever since.

The really exciting part, though, is that there's a definite reason why three of the tax certificates paid up and the fourth one did not. You can learn to predict which delinquent property owners are more likely to let their properties go and why. There are definite signs to look for and once you understand what they are and how to use them, 18% interest, 20% interest, even 50% interest becomes meaningless and irrelevant, because you can make so much more than that and I'm going to show you, how to do it, step by step.

STAGE FOUR: BUYING FREE AND CLEAR PROPERTIES AFTER THE AUCTION

Finally, there's the fourth stage of the tax sale process. I am going to teach you how to buy free and clear properties after the public auctions. Sometimes you can buy these properties for less than the amount of back taxes due, because there's no minimum bid.

A friend of mine recently bought a property the day after the tax sale for half the minimum bid at the auction the day before; five cents on the dollar, instead of ten cents. This is no fluke. I show you exactly how it was done and how you can do the same thing. I walk you through an actual transaction like this and document it for you, from the initial notice of taxes due, to the final court judgment and the eventual sale after the public auction. It was a single family home with an absentee owner and the assessed value was just over $42,000. The amount of taxes due was less than $2,000.

The property was never redeemed and it didn't sell at the monthly tax sale. The state then sold the property after the public auction for the amount of back taxes, plus the foreclosure expenses, a total of less than $4,000. That's a profit for the investor of $38,000 on a $4,000 investment.

I show you where and how to find these bargains and how to sort out the gems from the junkers.

GET OTHER PEOPLE TO DO THE WORK

But, there's a lot more to Tax Sale Riches than that. For those of you who want to be passive investors, I show you how to find and/or train reputable people who will go to the tax auctions and find the good deals for you. I show you what kind of documentation to demand and how to evaluate it, how to bid by mail and how to buy tax liens over-the-counter, without bidding at all.

GET OTHER PEOPLE TO PUT UP THE MONEY

For those of you want to be active investors, but don't have the money, I show you in detail how to find passive investors and how to convince them that you are someone who is honest and knows what you are doing. I show you how to document what you have to offer and convince passive investors to trust you and work with you, so you can do just what that man in the newspapers is doing and get rich using other people's money.

For example, how would you like to learn how to earn 43% a year on your money? That's easy the easy part. In Tax Sale Riches, I'm going to show you how to do it with someone else's money.

TURBO CHARGE YOUR IRA

There are people doing this every day. And the good news is that you probably have access to a lot more money than you may realize. A lot of you may not have any spare cash from day to day, or extra money that you think you can put into investments like tax deeds and tax certificates, but you may have money in an IRA, a 40l(k), a 403(b), or other tax sheltered annuity.

You probably don't think about this money as being available for investment in tax deeds and tax certificates. Why? Because your retirement fund administrator would not approve. They would probably tell you that you have to keep your money in mutual funds, or bonds, or some similar investment, which will pay the retirement plan administrator a commission. When you buy tax deeds, or tax certificates, no one gets a commission.

What you need, is a self-directed retirement plan, which allows you to decide where and how to invest your own money and even if you don't have a retirement plan, then the chances are you know someone who does. If you know people who are not earning at least 10% a year on their retirement money, consistently and safely, then show them the possibilities.

Every single one of you out there needs this information. Without it, you're cheating yourselves. It's that easy to turn your life around. I can't give you the motivation to get out there just two or three days a year and do something to better your life. That has to come from within. What I can do and what I have done is to give you all the information you need to succeedand show you how to make money with tax sale properties in the real world.

YOU DON'T NEED MONEY TO GET STARTED

if you're still not convinced that Tax sale Riches can help put serious money in your pocket, it's probably because you believe that old myth that tax sales only for people who already have money and can pay cash, but here's no reason why that should stop you. One of the things that scare a lot of people off is the idea that you have to have money to buy at tax sales, that ou have to pay all cash. In most states, this is unfortunately true. However, there are some exceptions.

For example, how would you like to buy property for pennies on the dollar, just the amount of the taxes, penalties and interest, maybe 5% to 10% of the property's actual value, pay only 25% of the purchase price in cash and have the state finance the rest? Let's look at how this might work out.

Let's say you buy property that's worth $100,000 but you buy it at a tax sale, for just the amount of back taxes due plus penalties and interest. Normally, this will probably come to about 1%-10% of the property value, but let's be conservative and say 15%.   This means you have to come up with 25% in cash. But, this does not mean 25% of the $100,000 value of the property. It means 25% of the price you pay for the property at the tax sale.

15% of $100,000 is $15,000 and 25% of $15,000 is only $3,750







PROPERTY VALUE: $100,000
   TAX SALE PRICE:        $15,000     (15% OF VALUE)
   DOWN PAYMENT           $3,750       (25% OF PRICE)
   MORTGAGE                    $11,250
   EQUITY                           $88,750


Let's look at some numbers. You buy the property for $15,000. You put down $3,750. The property is worth $100,000. You want to get rid of it quickly, so you sell it for $80,000. If you want to sell really quickly, then you take $70,,000 and you make yourself a quick profit of $55,,000 on a total cash investment of $3,750. What kind of annual return on your money is that?




   PROPERTY VALUE:    $100,000
   TAX SALE PRICE:          $15,000   (15% OF VALUE)
   DOWN PAYMENT             $3,750    (25% OF PRICE)
   RE-SALE PRICE             $70,000    (70% OF VALUE)
   _________________________________________
   PROFIT                             $55,000

Or, you decide to hold onto the property. You put down $3,750. You have a mortgage of $11,250 payable over the next ten years. Your mortgage payment is going to be all of $93.75 a month. Throw in taxes and insurance and let's say your total expenses are going to be about $200 a month. If you rent the property for $500 a month, you will have a positive cash flow of $300 a month, or $3,600 a year, almost a 100% return on your $3,750 investment within the first year.



PROPERTY VALUE                            $100,000

TAX SALE PRICE                                  $15,000
(15% PERCENT OF VALUE)

DOWN PAYMENT                                   $3,750
(25% OF PURCHASE PRICE)

MORTGAGE                                            $11,250
(10 YEARS, NO INTEREST)

EQUITY                                                   $88,750
MORTGAGE PAYMENT                               $93.75
TAXES, INSURANCE                                 $106.25
TOTAL EXPENSES                                    $200.00
RENT                                                            $500.00
________________________________________
POSITIVE CASH FLOW                           $300.00


This is what you can you do at tax sales in some states. Or, you can go to tax sales where you have to pay all cash, but you only have to put up 10% on the day of the auction and then you have ten working days, two full weeks, to come up with the balance.

If you buy that same $100,000 property there for $15,000, you only have to put up $1,500 in cash on the day of the auction.

Heck, two weeks should give you plenty of time to sell the property if you're not greedy and then you won't even have to worry about coming up with the balance of the purchase price. If you advertise a $100,000 property for $70,,000 or even $80,000, your phone should be ringing off the hook.

PROPERTY VALUE                               $100,000
TAX SALE PRICE                                     $15,000
DOWN PAYMENT                                       $1,500
RE-SALE PRICE                                       $70,000
PROFIT ON $1,500 INVESTMENT   $55,000

But, let's say you can't even come up with $1,500 to put down for the 10% deposit. What do you do then? Find a cheaper property, so that you can afford the 10% deposit. You can buy tax deeds and tax certificates for less than $20, so not having any money is no excuse not to get started.

I can't put the money in your pocket or the motivation in your heart. What I can do, is show you what can be done and give you all the tools you need to succeed.

Here's what you get :

First, there's The Tax Sale Riches manual

It's almost 200 pages. It's didivided into fifteen lessons and it
takes you through the whole tax sale process, step by step and
show you How to earn 15%, 20%, 50% and more without risk,
how to buy real estate for as little as 5% of fair market value,
how to start with less than $200 and become a millionaire,
how to put tax free cash in your pocket, how to make 43% and
more, on other people's money, how to profit from all four
stages of the tax sale process, how to get investors and raise
money to buy tax liens, how to be a passive investor and make
money without working, how to finance tax sale purchases at
0% interest, how to find and research tax sale opportunities
step by step and much more.

It's worth far more than the $149.95 I'm asking. It was designed to sell for ten times that amount, but .just to make it a complete package,

I'm going to throw in the special Cash Flow Appraising For Creative Investors, to help you decide what to bid on
and how much to bid. You grade each property from
"A" to "F" and then decide how much to bid, if you
decide to bid at all.
AN $89 value FREE

Then, I'm also going to throw in REHAB RICHES
That will show what to do with the tax sale properties you buy. It will
show you how to decide what repairs and/or improvenments to make
and how to be sure that you get back at least three dollars for every
dollar you spend. It's another $89 value, yours FREE!

And finally, to complete the hat trick with three special
bonuses and give you all you need to succeed, I'm also
throwing in POSITIVE CASH FLOW
- HOW TO GET RICH WITH
RENTAL PROPERTIES
a $59 Value FREE!

It's a $536 value, your s for a limited time for only $149.95
It all comes complete with Secure Ordering through Clickbank
and a Money Back Guarantee. So stop feeding your banker's expensive tastes and start develoing some of your own.

P.S. I know that once you try Tax Sale Riches, you'll never want to pay full price for real estate again. Foll0ow the Tax Sale Riches course and you will make money. You have my personal money-back guarantee on it. If you honestly believe that Tax Sale Riches will not help you make at least ten times what you paid for it, you get your money back

                                                                                                                 David Chodack
                                                                                                                   Tax Sale Riches