Tax Lien University

Lien Priority

Lien priority describes the “pecking order” of liens. In other words, the order of importance each lien has over other liens. It also refers to the order in which claims against the property will be paid off. “First come, first served” is a general law, which governs the priority of liens. Generally speaking, the priority of a lien is established by the date in which it was publicly recorded. Therefore, a lien that is recorded or filed first has priority over a lien that is recorded or filed later, unless a statute or law indicates otherwise.

For example: the Marriott Mansion is ordered to be sold by the court to satisfy Bill’s debts. The property is subject to a $50,000 judgment lien, incurred as a result of a suit to recover a mechanic’s lien. $295,000 in interest and principal remains to be paid on Marriott Mansion’s mortgage. This year’s unpaid real estate taxes amount to $5,000. The judgment lien was entered into the public record on February 7, 1996 and the mortgage lien was recorded January 22, 1992.

If the Marriott Mansion is sold at the tax sale for $375,000, the proceeds of the sale will be distributed in the following order:

• $5,000 to the taxing bodies for this year’s real estate taxes
• $295,000 to the mortgage lender (the entire amount of the mortgage loan outstanding as of the date of sale)
• $50,000 to the creditor named in the judgment lien
• $25,000 to Bill (the proceeds remaining after paying the first three claims/liens)

However, if the Marriott Mansion sold for $325,000, the proceeds would be distributed as follows:

• $5,000 to the taxing bodies for this year’s real estate taxes
• $295,000 to the mortgage lender (the entire amount of the mortgage loan outstanding as date of sale)
• $25,000 to the creditor named in the judgment lien
• $0 to Bill (the proceeds remaining after paying the first three claims/liens)

Although the creditor is not repaid in full, this outcome is considered fair for two reasons:

• The creditor’s interest arose later than the others, so the others’ interest took priority.
• The creditor knew (or should have known) about the creditors ahead of it when it extended to Bill, so it was aware (or should have been aware) of the risk involved.

One of the major benefits of investing in tax lien certificates is that real estate property tax liens are almost always senior to any other lien, with the exception of other real estate tax liens and state-held liens in Arizona and New Mexico. Therefore, it is important to research the property and its owner to determine if there are any outstanding liens against the property that will not be extinguished by the foreclosure of the tax lien.

Massive Success,

Steven E. Waters
Creating Wealth Without Risk™
http://www.taxlienuniversity.com/

PS: If you haven’t taken advantage of the FREE AUDIO offer I would suggest doing so NOW. Click here.

The Affects of Liens to a Title

First and foremost, real estate tax liens do not attach to people but to real property. Once a property becomes encumbered with a lien, it prevents the owner from selling the property until the lien has been released. Otherwise, an existing lien holder could enforce his/her claim through foreclosure, allowing him or her to take title to the real estate. This action effectively removes any claim to the property by junior lien holders.

Title Search

To avoid losing a property to a pre-existing or senior lien holder, a growing number of lending institutions require a title search to be conducted before lending money for the purchase of real estate. A title search is an examination of public records, laws and court actions to make sure that the seller is the legal owner and to reveal all other claims or encumbrances on the property.

Title Insurance

As an added precaution and condition of the loan, lenders will require borrowers to take out a title insurance policy. Title insurance is a contract under which the policyholder is protected from losses arising from defects in the title. A title company determines whether the title is insurable, after a review of the public records. If the title search proves little to no risk is present, a policy is issued. Unlike other insurance policies that insure against future loses, title insurance protects the insured against an event that occurred before the policy was issued.

Escrow Account

In addition, many lenders require that borrowers provide a reserve fund to meet future real estate taxes and property insurance premiums. This fund is often called a trust or escrow account. When the mortgage or deed of trust loan is made, the borrower starts the reserve by depositing funds to cover the amount of unpaid real estate taxes. If a new insurance policy has just been purchased, the insurance premium reserve will be started with the deposit of one twelfth of the insurance premium liability. The borrower’s monthly loan payments will include principal, interest, tax and insurance reserves, along with other costs, such as flood insurance or homeowner’s association dues.

When a lien is properly established, it becomes an encumbrance that sticks to the property, like a leach, and will not be removed or reinstated until all claims are satisfied.

Massive Success,

Steven E. Waters
Creating Wealth Without Risk™
http://www.taxlienuniversity.com/

PS: If you haven’t taken advantage of the FREE AUDIO offer I would suggest doing so NOW. Click here.

Simply put, a lien is a charge or even a claim that, once recorded correctly, encumbers someone’s property to legally enforce the payment of debts or obligations. The lien must be cleared before a warranty deed can be issued.

When a person borrows money to purchase real estate, the lender attaches a mortgage lien to the real estate. Once the lien has been correctly recorded, it encumbers the property and effectively secures the loan. In the event the borrower fails to pay the debt or mortgage, the lender can seize the property as collateral for the defaulting loan.

Liens against the title are not limited to security for loans such as a mortgage. Liens may be recorded against the property by federal, state, county and municipal agencies. When an individual fails to pay federal income taxes, the IRS may record a lien against the individual and his real estate. In addition, the state can record a lien for delinquent state income taxes. Finally, county and municipal taxing entities may record liens against the property for delinquent real estate taxes.

A lien is a legal instrument that allows an individual or agency to compel payment for services rendered or work performed.

For example: Let’s say you hired a carpenter to renovate your kitchen. After sometime, the carpenter invoices you for the work rendered. But, because of a job lay-off, you are either unable or unwilling to pay the bill.

What can the carpenter do?

The carpenter can record a Mechanic’s Lien against your real estate, effectively compelling payment for the work rendered. When you try to sell your home, the title company cannot issue title insurance until you have cleared the lien (paid the debt). Likewise, a lender would not offer financing to a borrower if the real estate securing the loan is encumbered with a pre-existing or senior lien. If the lender ignored the lien, they would risk a great chance of losing the property to the carpenter.

From a lender’s point of view, the Mechanic’s Lien threatens the lender’s interests in the real estate. Likewise, getting title insurance on a lien-encumbered property is nearly impossible.

Liens are not limited to lenders and contractors. A person, agency or corporation can use another person’s property to compel payment for work performed, services rendered or debts accrued by attaching a lien.

Not all liens are created the same.

Voluntary Lien: Basically, the borrower is voluntarily agreeing to use the property as collateral for the loan. The most common example of a voluntary lien is a mortgage. The borrower voluntarily allows the lien to attach to the real estate.

Involuntary Lien: A lien created by law or legal action without the consent of an owner. Examples include taxes, special assessments, federal income tax liens, judgment liens, mechanics liens and materials liens. Involuntary liens are not created the same. They are either statutory or equitable.

Statutory Lien: A lien that is created by statute. A real estate tax lien, for example, is an involuntary, statutory lien. It is created by statute without any action by the property owner.

Equitable lien: Is a lien, which arises out of common law. It is created by a court action. For example, a court- ordered judgment that requires a debtor to pay the balance on a delinquent charge account would be an involuntary, equitable lien on the debtor’s real estate.

Massive Success,

Steven E. Waters
Creating Wealth Without Risk™
http://www.taxlienuniversity.com/

PS: If you haven’t taken advantage of the FREE AUDIO offer I would suggest doing so NOW. Click here.

A general discussion on the taxation process will help you understand the context from which tax liens and tax deeds originate.

The collection of real estate property taxes is a major priority for local counties and municipalities. Delinquent property taxes create a serious cash-flow problem for local governments. If the county or taxing district is unable to collect property taxes, it is also unable to fund important government services like public schooling, police protection and, in some cases, medical services. Without the revenue generated from real estate property taxes, the county would literally go bankrupt.

Adoption of Budget

The taxation process begins with the adoption of a budget by the county or municipality. The budget outlines the financial requirements for the next fiscal year. The budget includes an estimate of any anticipated expenditures and income for the coming year. Any additional income needed to fund the budget will be raised from real estate property taxes.

Appropriation

Appropriation is the way a county or municipality authorizes the proposed budget, including expenditures and revenue sources. The process begins with the adoption of an ordinance that outlines the specific terms and conditions of the proposed taxation.

Tax Levy and Tax Rate

Through a tax levy, the extra money needed to fund the budget is passed on to local property owners. To do this, the county or municipality must generate a tax rate. To arrive at a tax rate, the total amount of money needed is divided by the total assessments of all real estate located within the taxing district.

For Example: Maricopa County, Arizona determines that $500,000 must be raised from real estate taxes. The Assessor’s Records indicate that there is $10,000,000 in taxable real estate within the county. So, the county computes the tax rate:

$500,000 divided by $10,000,000 = .05 or 5%

The tax rate may be stated in a number of ways. Generally, it is expressed in mills. A mill is 1/1,000 of a dollar, or $ .001. The tax rate may be expressed as a mill-per-dollar ratio, for instance in dollars per hundred or in dollars per thousand. A tax rate of .03 or 3 percent could be expressed as 30 mills or 3/1000ths of assessed value.

The Assessor

The County or Municipal Assessor is responsible for discovering, listing and valuing all property within the county, and must follow state laws when meeting these responsibilities. The assessor’s goal is equalization of property values. Equalization allows the burden of taxes to be distributed fairly and equitably among property owners.

Notice of Valuation

Each year the assessor is required to notify taxpayers of the value of their real property. The notice, or valuation, describes the property, gives the actual value for both the prior and current year, and provides an opportunity to present an objection of the assessor’s valuation.

The deadlines for appealing a valuation are enforced by state statutes.

The “Notice of Value” is not a bill, but a document that contains important information about the property and its value, which is used to determine each homeowner’s real estate tax bill.

It is the assessor’s job to identify and appraise all real estate, both business and personal property, throughout the county or taxing district and then notify the owners of their findings through the “Notice of Value.”

Throughout the year, appraisers who are employees of the Assessor’s Office travel throughout the county gathering property information to determine its value. The results of their efforts are shown on the “Notice of Value.”

Appealing The Tax Assessment

As home values increase, so do property assessments. A higher assessment means owners will pay more in property taxes. If a homeowner feels that the value the assessor has placed on their property is incorrect, they may file an appeal.

Taxpayer

Property owners have specific rights, remedies and responsibilities in the assessment process. As stated earlier, if they disagree with the property value, they can file an appeal with the assessor. In addition, they have the responsibility to provide accurate information to the assessor about any property they own and to participate in budget hearings held by school boards, cities, towns and special districts which levy taxes on their property.

Tax Bill

A property owner’s tax bill is computed by applying the tax rate to the assessed valuation of the property.

Generally, one tax bill that incorporates all real estate taxes levied by the various taxing districts is prepared for each property. In some areas, each taxing body prepares separate bills. Sometimes, the real estate taxing bodies may operate on different budget years so that the taxpayer receives separate bills for various taxes at different times during the year.

For example, if a property is assessed for tax purposes at $90,000, at a tax rate of 3 percent, or 30 mils, the tax
will be $2,700 ($90,000 x .03).

If an equalization factor is used, the computation with an equalization factor of 120 percent will be $3,240:
$90,000 x 1.20 = $108,000, then ($108,000 x .03 = $3,240).

The due dates for payments (also called the penalty dates) are usually set by statute. Taxes may be payable in 2 installments (semiannually), 4 installments (quarterly) or 12 installments (monthly). In some areas, taxes are due at the beginning of the current tax year and must be paid in advance (for example, the year 2000 taxes must be paid at the beginning of 2000). In other areas, taxes are payable during the year after the taxes are levied (2000 taxes are paid throughout 2000). And, in still other areas, a partial payment is due in the year of the tax, with the balance due in the following year (2000 taxes are payable partly during 2000 and partly during 2001).

Some states offer discounts to encourage prompt payment of real estate taxes. Penalties, in the form of monthly interest charges, are added to all taxes that are not paid when due. In addition, the property cannot be sold or refinanced until the tax bill or tax lien has been cleared.

Massive Success,

Steven E. Waters
Creating Wealth Without Risk™

http://www.taxlienuniversity.com/

PS: If you haven’t taken advantage of the FREE AUDIO offer I would suggest doing so NOW. Click here.

Dear Friend-

Chances are, you first learned of tax liens and tax deeds while attending a workshop, watching a cheesy late night infomercial or reading an investment book. Regardless of how you were first introduced to them, I’m guessing you would like to learn more.

Unlike what you may have heard, there are some downsides to investing in tax liens and tax deeds. Most of the time, the producers of seminars and infomercials are only interested in making a sale and collecting a profit. More often than not, they paint a distorted picture that only emphasizes the upsides and neglects the downside, leaving the individual with an inaccurate and incomplete understanding of tax liens and tax deeds.

My purpose in providing this information is to paint an accurate picture of this investment field. Proper education will enable you to make informed, intelligent investment decisions with regard to tax liens and tax deeds.

I’m often asked what it is that makes government-issued tax liens and tax deeds the ideal investment. There are several, but I will only touch on a few of the more prominent ones.

Entry Level. Unlike other investments, when you invest in tax liens and tax deeds it doesn’t take a lot of money to begin making a profit. Regardless of your current financial situation, you can find tax liens and deeds ranging from a couple hundred dollars to several million in cost.

In addition, it usually requires excellent credit to get started as a real estate investor. Credit checks are not required to buy tax liens and tax deeds. Typically, a small deposit, a bidder’s information card and a W-9 is all it takes to get involved.

Usually, to generate serious profits, you have to be in the right place at the right time. Regardless of your location or timing, you can still profit as a tax lien and/or tax deed investor. In fact, the Internet is making it possible for investors to purchase tax liens and tax deeds from the comfort of home.

Finally, unlike the stock market, you don’t need any fancy software to get started. Investing in tax liens and tax deeds is low-tech. Usually, a telephone, an Internet connection and a camera are the main tools you’ll need.

Yields. First and foremost, tax liens and tax deeds are high-yielding. Exactly how high? Depending on state laws and competition, annual yields can range from 10% to 50%. In Arizona, annual returns can be as high as 16% (Sec. 42-18053). In Florida they can be as high as 18% (Sec. 197.172). In Texas, which sells a hybrid tax deed, penalties are as high as 25% every six months for an annualized return of 50% (Sec. 34.21 e 2).

Maybe you’re thinking, “What difference can a few extra percentage points make?” Figure 1.0 demonstrates how long it would take various amounts of money at different interest rates to grow into $1,000,000.

Figure 1.0 demonstrates how long it would take various amounts of money at different interest rates to grow into $1,000,000.

As you can see, a few percentage points can make a dramatic difference in your financial future. Albert Einstein made a very smart observation when he stated, “The most powerful invention of man is compound interest.” With a little discipline, you can have compound interest working for you rather than against you.

Volatility. From September of 2000 the NASDAQ dropped 45.9% to 2,291.86 by January 2, 2001. In October of 2002, the NASDAQ dropped as low as 1,108.49 which is a 78.4% drop from its all-time high of 5,132.52 in March of 2000. Over 8 trillion dollars of wealth were lost during that “down-turn.” As of this writing, many investors, you included, are looking for a relatively safe, yet high-yielding, place to invest. Unlike the stock market, tax liens and tax deeds are free from market risk.

For example, if you were to buy $5,000 of stock it could either rise or fall in value. You simply have no idea what your return will be. On the other hand, if you were to buy a $5,000 tax lien certificate at 18%, your rate is fixed by law.

Security. Another distinguishing characteristic of tax liens is that they are secured by real estate. So, if you do not receive what you paid to purchase the tax lien plus interest and/or penalties, you can take the property. Usually, the foreclosure of a real estate tax lien will extinguish all junior liens including mortgages and deeds of trust. Ultimately, this gives you free and clear ownership of the property.

Commission free. It’s no secret that on Wall Street the highest commissions are paid on products that are hardest to sell and those products are often complex and quite risky. For example, some variable annuities may pay commissions of 10 percent or more, while simple money market funds typically pay .25 percent.

High-commissioned investments can give brokers a strong incentive to persuade investors to buy complex and high-risk products. Yet most investors don’t want to take much risk, if any.

Result: Brokers get higher commissions for selling what their customers want and/or need least. Unfortunately, most investors don’t understand this. Far too often, investors behave as if their broker were their friend instead of a salesperson.

The great thing about tax liens and tax deeds is that you don’t have to worry about brokers misleading, manipulating or taking advantage of you. Since the big financial firms do not get a commission to sell you this investment, they don’t get involved. With tax liens and tax deeds, you are in complete control, ensuring your best interest is at the forefront of every investment choice.

Finally, investors can take comfort in knowing that the government administers tax liens and tax deeds. For the most part, they are impartial and have the best interest of all parties guiding the process. Unlike other more risky investments, investors need not worry about fraud and insider trading.

Massive Success,

http://www.taxlienuniversity.com/

PS: If you haven’t taken advantage of the FREE AUDIO offer I would suggest doing so NOW. Click here.

Profiting 16% to 300% with Safe, Certain, and High-Yielding Tax Lien Certificates.

With foreclosure and unemployment rates at an all-time high, you’re probably wondering how you can insulate yourself and family during this economic storm. Is there a safe place you can put your money during these turbulent times?

Hello my name is Steven Waters and, despite how uncertain you may feel about the economy and your financial future, you’re about to discover an investment that is safe, certain, and guaranteed to produce profits of 16%, 18%, 24% up to 300% per year.

Ok, so maybe you’re saying to yourself, “This sounds too good to be true.”

I don’t blame you. As a matter of fact, I can remember thinking the same thing. That is until I decided to open my mind and learn for myself. That decision, which I made so many years ago, has opened up an investment that is;

• Safe,
• Certain,
• and Highly-Profitable.

Unlike stocks, futures, options, and commodities, government issued tax lien certificates are immune to the ups and downs of the economy. So even if the stock market were to crash tomorrow, your rate, which can be as high as 300% per year, is fixed by law.

Most investments are risky and often we’re uncertain how they will turn out.

With tax lien certificates, there’s no gambling, speculating, or praying that they will go up. When you purchase a tax lien certificate your rate is fixed to stay high, regardless of what happens in the markets.

When you buy a tax lien certificate Wall Street doesn’t determine your rate. With tax lien certificates there’s no up and down roller coaster ride; your rate is determined by law so you know exactly what your return will be. You can sleep at night knowing that no matter what happens with the economy, the markets or the news, your rate is fixed.

Maybe you’ve heard that it takes a lot of money to make a lot of money.

I know when I got started I didn’t have a lot of extra cash just laying around. I worked hard for every dollar I had and I wasn’t about to throw it at every so called “opportunity” that came my way. I had to find an investment that didn’t take a great deal of money to get started.

With tax lien certificates is doesn’t matter how much you spend. Your rate, which can be as high as 300% per year, is the same, regardless of what you paid. It really is the ideal investment because you can buy them for as little as a couple bucks on up to several million.

You’ll have to forgive me, I’m getting a little ahead of myself. I just get really excited when I start talking about this incredible investment. You see most people simply don’t know about it.

As I said earlier, my name is Steven Waters and I’m just an average person that stumbled across an amazing investment. It was several years ago but I can still remember feeling a bit uncertain about my own financial future.

“Unless you try to do something beyond what you have already mastered, you will never grow.” – Ronald E. Osborn

Needless to say, I was at a real financial crossroad in my life. As luck would have it, a close friend loaned me an audio program on generating wealth. I listened to it, in fact, several times. It discussed multiple ways for generating wealth, from investing in stock options to buying real estate nothing down, and finally profiting with tax lien certificates.

I couldn’t believe what I was hearing, it sounded way too good to be true. Generally, I wouldn’t even give something like this a second thought, I would dismiss it and continue on with what I was doing. This time I reasoned that “If I keep doing the same things, I will continue to get the same results.” Though scary at the time, I sure am glad that I decided to take a closer look.

Just what are tax lien certificates and how do they work?

Ok, so here’s how it works. All over the country local governments have millions of dollars in unpaid property taxes.

Unpaid property taxes create a serious cashflow problem for local governments. If local governments are unable to collect real estate property taxes, they are also unable to provide important government services like police protection, public schooling, and medical services.

To solve this problem and fund daily services, local governments create and sell tax lien certificates to investors. In exchange, investors receive the governments lien for property taxes. The lien is secured by the real estate it is attached to.

Just to be clear, you’re not buying any real estate. You’re just buying the governments lien on the real estate. So when you purchase a tax lien certificate you’re actually paying the property taxes for someone else. In exchange, the government transfers you the right to receive all of the outstanding taxes owed by the property owner.

When you purchase tax lien certificates, you’re entitled by law, to receive 16%, 18%, 24% up to 300% per year.

In an effort to motivate property owners to pay their property taxes the government charges interest and penalties on top of the overdue property taxes. When the property owner steps forward to pay their overdue property taxes, the government transfers the money collected including fees, interest and penalties to the tax lien investor – which is you!

Think of it this way. Like a bank or lending institution, you’re just providing a “short-term loan” to the property owner and by law you are entitled to receive interest and penalties for your services.

Everyone is happy. The county gets their money, the delinquent property owner keeps their home and gets more time to pay their already past-due property taxes and you get to grow your money at the rate of 16%, 18%, 24% up to 300% per year.

In addition, this “short-term loan” is secured by real estate. So, just like a bank or lending institution if the property owner doesn’t pay their loan or in this case their property taxes, usually within three (3) years from the time you buy the tax lien certificate, the government will let you foreclose on the property to recover your investment.

Ok maybe you’re thinking, “There has to be a catch, what’s the catch?”

First of all, about half of the states sell tax lien certificates.

Second, the sale of tax lien certificates are handled by the counties. County governments sell tax lien certificates at property tax sale auctions. There are over 1500 individual counties, all holding their separate auctions at various times and locations and with different rules. Tracking down the dates, times, locations and rules is a lot of work but is certainly well worth it, plus it keeps most people away – leaving more for you and me.

Tax lien certificates are the ultimate wealth builder – you simply bid on the ones you like, buy them and wait. The government collects the past due taxes, fees, interest, and penalties from the delinquent taxpayer and then they send you a check.

I’m sure you’re wondering where to begin and how you can start earning 16%, 18%, 24% up to 300% with safe, certain and highly-profitable tax lien certificates.

As I mentioned earlier, it’s a lot of work tracking down the dates, times, locations and rules for the various tax lien certificate auctions. Listen closely, you don’t have to reinvent the wheel, I’ve done all the work so you don’t have to.

You see, when my friends and family saw the success I was having they wanted me to show them how I was doing it, so I compiled all my notes and instructions into a physical book which I’ve entitled Creating Wealth Without Risk™.

Here’s just a sample of what you will learn in Creating Wealth Without Risk™

• Learn how and where to buy tax lien certificates and earn 16%, 18%, 24% up to 300% interest.
• Purchase homes all over the USA for as little as 2 or 3 cents on the dollar, and own them free and clear of mortgages.
• In-depth instructions on how to uncover your winning investment strategy.
• How to select the best tax lien certificate states offering the biggest returns.
• Learn how to purchase high-yielding tax lien certificates through the Internet.
• Capture enormous returns with minimal risk using my super-simple ten-step tax lien certificate investment system.
• Minimize your risk and maximize your returns with my complete due-diligence research system.
• How to purchase tax lien certificates with little to no competition.
• Save yourself a bundle of time with my complete state-by-state tax sale summaries. Learn the statute mandated interest rates, redemption periods, bidding process, auction dates, and how to take title free and clear of all mortgages. Each and every state is covered.
• Realize massive returns tax deferred even tax free through a self-directed IRA.
• I provide the contact information for the top ten officials including their phone numbers, address, and in many cases web addresses.
• Know the exact questions to ask with my pre-printed tax lien certificate forms.
• And much, much, more.

I wrote Creating Wealth Without Risk™ to help you take full advantage of the tremendous wealth-creating potential of tax lien certificates. It reveals how you can start earning safe, certain, and highly-profitable returns of 16%, 18%, 24% up to 300% per year with government issued tax lien certificates.

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In audio one you’ll learn what makes tax lien certificates the ideal investment. Then, moving on with a discussion on the taxation process and the legal issues surrounding this incredible investment. Next you’ll learn the various methods for collecting delinquent property taxes. Finally, I wrap it all up with the discovery of your investment goals.

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I simply refuse to let you miss out because you don’t quite understand something or you have a deal that you are not sure about. Listen, when I tell you that I am serious about your success, I mean it. I will not allow anything to stand in your way to getting that first deal done!

Like anything new, purchasing your first tax lien certificate might seem a little foreign at first. In addition, you may have a lot of fears holding you back. I want to help you take those tough, but crucial first steps.

During this complimentary telephone call we will take time to understand where you are, help you identify your goals, resolve concerns, and create a detailed plan of action enabling you to realize your financial dreams. The value and more importantly the impact of such personal support far exceeds the investment in my Creating Wealth Without Risk™ and is priceless!

Bonus Six: Real Estate Forms ($19.95 value)

This package includes all the essential real estate contracts and power forms you need to make your deals happen. From finding bargains, performing a market analysis, purchase contracts to rental agreements and more.

Buyers Agreement, Evidence of Title, Inspection Check List, Comparative Market Analysis, Occupancy Agreement, Personal Networth Inventory, Property Profile, Property Selection Grid, Purchase Agreement, Rental Agreement, Rental Application, Shared Appreciation Agreement, Annual Property Operating Data.

With these real estate contracts and power forms you can quickly and easily put them to use. Unlike traditional forms, you buy them, use them and runout. Since these forms are digital, you can find and print them as many times as you like.

If you’ve checked out other tax lien courses, you know that they typically sell for several hundred to a couple thousand dollars or more.

The information contained in Creating Wealth Without Risk™ could easily sell for hundreds of dollars. In fact, I personally know of “gurus” out there who are charging an arm and a leg for their over-hyped and over-priced courses.

Listen I’m not trying to be a “guru”, in fact those guys bug the daylights out of me. Which is exactly why I’m offering the same information for a fraction of what they’re selling it for. I’m delivering a whole lot of value in Creating Wealth Without Risk™ and my hope is that you will tell anyone that wants to learn more about this amazing investment to buy my book.

Here’s my pledge to you…….

I’m confident that Creating Wealth Without Risk™ has everything you need to purchase and profit with safe, certain, and profitable tax lien certificates. However, if within 60-Days of ordering Creating Wealth Without Risk™ you feel it isn’t all it’s cracked up to be, I’ll issue you a full-refund plus I’ll let you keep the book and the $200 in valuable bonuses.

Tax lien certificates are the ideal investment and Creating Wealth Without Risk™ has everything you need to get started right away. With my 100% money-back guarantee, you’ve got nothing to lose and everything to gain.

Click Here to Order Creating Wealth Without Risk

Remember, I am only guaranteeing the bonuses for a limited time. I can’t make this offer forever. PLEASE (I’m asking nicely!) do not email me and get upset if you try to order and I am no longer including the $200 in FREE BONUSES.

Opportunity is knocking, take action, order Creating Wealth Without Risk™ now and begin profiting 16%, 18%, 24% up to 300% with tax lien certificates.

Massive Success,

Steven E. Waters
Creating Wealth Without Risk™

“All the information that I received was very helpful in getting me started. I attended my first tax lien certificate auction and bought a 1/3 acre lot appraised at $5000 for $1510.”
- R. Rangel, Texas

“I found Creating Wealth Without Risk™ very helpful in describing what I needed to do to invest in tax lien certificates. The big plus is that you have also included all the contact information for the counties which offer tax lien certificates. It saved me from having to find the information by myself.”
- J. Cheng, California

“I thought that Creating Wealth Without Risk™ was very clear and easy to understand as well as being highly informative and to the point. The information contained within is easily worth thousands of dollars. I would recommend that anyone serious about being a smart investor buy this book and put it into action!”
- S. Roy London, England

“Thank you for your great work. I just received your book and haven’t been able to stop reading it. I would recommend Creating Wealth Without Risk™ to anyone who is interested in getting into Tax Lien Certificates.”
- J. Bennett, California

“I wanted to let you know I thought your book was outstanding. The modules are a fantastic resource, not to mention the forms, spreadsheets, links, etc.

My husband and I paid a lot of money to travel to a course and while we did attend an auction, we only received about half of the information you have provided.”
- K. Costner, Virginia

“A friend of mine purchased a tax lien course at a seminar for $2,700. To his dismay we discovered his expensive course did not contain any more information then your book Creating Wealth Without Risk™. Thank you very much.”
- P. Camenisch, Colorado

“It was great to see the info on the different states. It was a real time saver. I have since successfully purchased 5 tax liens. Keep up the good work.”
- M. Brady, Kansas

“I learned a whole lot about what tax liens are and how to locate them nationwide. The information was very informative and helpful. I consider Creating Wealth Without Risk™ to be the absolute best guide anywhere on the subject of tax deeds and tax liens.”
- J. Smoot, California

“Since I am involved in several businesses, time is a major constraint on pursuing new income streams. Your book Creating Wealth Without Risk™ is high-quality and a major productivity booster. I recommend it to any serious investor.”
- J. Dean, Georgia

“I have been looking for investment properties and your book, “Creating Wealth Without Risk™” saves an incredible amount of time and effort! Everything I need to make an informed decision is included. I currently have a farm with 50 acres on lien and I stand a great chance of getting this for pennies on the dollar.”
- S. Kay, Minnesota