Home Valuation

Very Detailed and lists the Whittier area.

Tax Deferral Tactics

METHOD #5 – TAX-FREE INVESTING WITHIN YOUR ROTH I.R.A. A great way to create tax-free income during realty ownership without capital gains tax when selling a property is to invest in real estate within your Roth IRA. If you have a regular IRA, or another retirement plan such as a 401(k) or 403(b), you can often "rollover" those assets, paying the tax, into your Roth IRA where you can buy investment real estate within your tax-free Roth IRA.

To do this, the Roth IRA must be set up to be self-directed with a trustee who allows real estate investments. For more information, good Web sites include www.entrustadmin.com (Entrust Administration), www.Sterling-trust.com (Sterling Trust Services), and www.midoh.com (Mid Ohio Securities). Entrust has an extensive Web site with lots of

Entrust - Fully Self Directed IRA's

Buffettology

Including Pick List

Berkshire-Hathaway

Tax Lien Links

Arizona Association of Counties site has links to all county sites including those below.

Coconino County - Flagstaff site with interactive GIS parcel map.

Yuma County - Yuma site also has a parcel mapper that requires a username and password. (Used standard low security).

La Paz - Parker site

Expanded Tax Lien Info

Section #6: List of Tax Lien States State Interest Rate Redemption Period
Alabama 12% 3 years
Arizona 16% 3 years
Colorado Varies (9 percentage points above the federal discount rate; interest rates range between 11% to 15% 3 years Florida 18% 2 years Georgia 20% to 40% (20% first year, no matter when redeemed, 40% second year.) 1 year

Illinois 18% (18% for regular sale; leftover liens-48%+) 6 months, 2 years, 2.5 years

Indiana 10% to 25% (1-6 months - 10%; 6 months-1 year - 15%; after 1 year - 25%; 10% on surplus bid; 12% on subsequent taxes and assessments) 1 year

Iowa 24% 21 months
Kentucky 12% none
Louisiana 17% 3 years
Maryland Varies depending on county (ex. 24% Baltimore City County, 20% Montgomery County) 2 to 6 months

Massachusetts 16% 6 months
Michigan 15% - 50% (15% first year, 50% flatfee for second year)12 to 18 months
Mississippi 18% 2 years
Missouri 10% 2 years
Nebraska 14% 3 years
New Hampshire 18% 2 years
New Jersey 18% + 2% - 6% 2 years
New York (only in some counties) 10% 2 years
North Dakota 12% 3 years
Oklahoma 8% 2 years
Rhode Island 16% (10% flat fee 1-6 months; 1% for each succeeding month)1 year
South Carolina 8% 1 year
South Dakota 12% 4 years
Vermont 6% to 12% 1 year
West Virginia 12% 18 months
Wyoming 18% (15% interest first year, plus flat fee of 3%, no matter when redeemed) 4 years

Section #7: States Where Tax Lien Investing Is Most Profitable The previous section listed all the states in the continental U.S. that sell tax lien certificates. Of the approximately 27 states on that list, not all of them pay a high rate of return on their tax lien certificates. It’s best to focus on states where your investment will bring you a high rate of interest with a high level of security. Remember, each state (and each county within the state) can differ on their exact tax lien procedures, so be sure to find out. The variety of state laws governing tax lien procedures ensures you that there is a state whose system will fit your needs. Here is the list of states where tax lien investing is most profitable: For more information on the different types of bidding systems, please see page 55.

List of the Most Profitable Tax Lien States
State Interest Rate Redemption Period Bidding System
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Arizona 16% 3 years Bidding On Interest Rates:The successful bidder is the one willing to accept the lowest amount of percentage upon the amount so paid, in order to redeem the property from the sale, which shall not exceed the rate of 16% per year simple.

Colorado Varies (9 percentage points above the federal discount rate; interest rates range between 11% to 15% 3 years Premium Bidding: Bidder willing to pay the largest amount of cash [called a premium bid] over the amount of the tax lien. Premium bid is not refundable and does not earn interest.

Florida 18% 2 years Bidding On Interest Rates:Winning bid goes to the person who will accept the least rate of interest on the amount of tax due. Bidding starts at 18% and goes down from there.

Georgia 20% to 40% (20% first year, no matter whenredeemed, 40% second year.) 1 year Bidding On Property:Property is sold to the highest bidder; excess goes to tax sale surplus fund. If redeemed, tax purchaser to receive excess money back, if not redeemed, excess goes to county general fund.

Illinois 18% (18% for regular sale;leftover liens-48%+) 6 months, 2 years, 2.5 years Bidding On Interest Rates:Winning bid goes to the person who will accept the least rate of interest on the tax lien to be paid by the property owner. Biddingstarts at 18% and goes down from there.

Indiana 10% to 25% (1-6 months - 10%; 6 months-1 year - 15%; after 1 year - 25%; 10% on surplus bid; 12% on subsequent taxes and assessments) 1 year Bidding On Property:Property is sold to the highest bidder; excess goes to tax sale surplus fund. If redeemed, tax purchaser to receive excess money back, if not redeemed, excess goes to county general fund.

Iowa 24% 21 months Dividing Ownership:Winning bid is the person who pays the total amount due, which is a lien on the property, for the smallest percentage of the property. If the property is foreclosed, and the purchaser agreed to take less than a 100% interest in the property, he becomes the co-owner with the delinquent taxpayer.

Louisiana 17% (12% flat fee + 5% penalty, no matter whenredeemed) 3 years Dividing Ownership:Winning bid goes to the person willing to pay the total amount due, which is a lien on the property, for the smallest percentage of the property. Louisiana has a 5% mandatory penalty, no matter when redeemed.

Maryland Varies depending on county (Ex. 24% Baltimore City County, 20% Montgomery County)2 to 6 monthsBidding On Property:Property sold at auction for the least amount of taxes, interest, penalties and expenses. Buyer must pay taxes due at auction andthen must pay the rest during foreclosure.

Massachusetts 16% 6 months Dividing Ownership: Winning bid is the person who pays the total amount due, which is a lien on the property, for the smallest percentage of the property. If the property is foreclosed, and the purchaser agreed to take less than a 100% interest in the property, he becomes the co-ownerwith the delinquent taxpayer.

Michigan 15% - 50% (15% first year, 50% flat fee for second year) 12 to 18 months Dividing Ownership: Winning bid is the person who pays the total amount due, which is a lien on the property, for the smallest percentage of the property. If the property is foreclosed, and the purchaser agreed to take less than a 100% interest in the property, he becomes the co-ownerwith the delinquent taxpayer.

Mississippi 18% 2 years Premium Bidding: Bidder willing to pay the largest amount of cash in excess of amount due. If property is redeemed, the excess amount is refunded to the buyer.

New Jersey 18% + 2% - 6% 2 years Bidding On Interest Rates: Winning bid goes to the person who will accept the least rate of interest on the amount of tax due. Bidding starts at18% and goes down from there. Premium bid is allowed if rate of interestis bid down to less than 1%, then premium bid starts upward.

North Dakota 12% 3 years Bidding On Interest Rates: Winning bid goes to the person who will accept the least rate of interest on the amount of tax due. Bidding starts at12% and goes down from there.

Wyoming 18% (15% interest first year, plus flat fee of 3%, nomatter whenredeemed) 4 years Lottery: The first person willing to pay the taxes, interest, penalties and costs including charges is the successful bidder. Your number is drawn and you either accept to pay or decline. Wyoming has a 3% flat fee, no matter when redeemed.


Section #8: Contact Information For The Most Profitable Tax Lien States Page 83 of 89

Now that you know the states where your tax lien investment dollars will bring you the highest rate of interest, here is contact information for each of the most profitable tax lien states listed in the previous section. For a complete list of counties in each of these states, please visit the County Phone List section on our website at http://taxliensalecertificate.com/countylist.htm.

Our County Phone Lists give you the name, phone number, and address of every single county in states where tax lien investing is most profitable. The following addresses and phone numbers will help you get started:

ArizonaArizona State Treasurer 1700 W. Washington St. Phoenix, Arizona 85007 Phone: (602) 542-1463 http://www.az.gov/webapp/portal/ (State of Arizona website)

ColoradoState Treasurer's Office 140 State Capitol Denver, CO 80203 Phone: (303) 866-2441 http://www.state.co.us/gov_dir/governor_office.html(Office of the Governor website)

FloridaState Treasurer’s Office 200 E. Gaines St. Tallahassee, Florida 32399 Phone: (850)413-3100http://www.myflorida.com/myflorida/counties.html(Website with list of Florida counties) GeorgiaGeorgia Dept. of Revenue Property Tax Division 4245 International Pkwy, Suite A Hapeville,

Georgia 30354-3918 Phone: (404) 968-0707 http://www.state.ga.us/ (State of Georgia website)

Illinois State Treasurer’s Office100 West Randolph, Suite 15-600Chicago, Illinois 60601Phone: (312)814-1700http://www100.state.il.us/government/county.cfm(Website with list of Illinois counties)

Indiana State Treasurer's Office 242 State House Indianapolis, Indiana 46204 Phone: (317)232-6386 http://www.in.gov/tos/ (State of Indiana website)

Iowa Treasurer of State State Capitol First Floor South Des Moines, Iowa 50319 Phone: (515)281-5368http://www.state.ia.us/ (State of Iowa website)

Louisiana State Treasurer’s Office900 North Third Street 3rd Floor, State Capitol Baton Rouge, Louisiana 70802 Phone: (225)342-0010 http://www.treasury.state.la.us/ (Department of the Treasury website)

MarylandState Treasurer’s Office 80 Calvert St. Annapolis, Maryland 21401 Phone: 1-800-974-0468 http://www.mec.state.md.us/ (State of Maryland website)

MassachusettsDepartment of State Treasurer State House-Room 227 Boston, Massachusetts 02133 Phone: (617)367-6900 http://www.state.ma.us/treasury/ (State Treasurer’s website)

Michigan Michigan Department of Treasury Lansing, Michigan 48922 Phone: (517)373-3200http://www.michigan.gov (Office of the Governor website)

Mississippi State Treasurer’s Office 1101 Woolfolk State Office Building, Suite A Jackson, Mississippi 39205 Phone: (601)359-3600 http://www.treasury.state.ms.us/ (State Treasurer’s website)

New Jersey Office of the State Treasurer State House, 1st Floor Trenton, New Jersey 08625 Phone: (609)292-5031 http://www.state.nj.us/treasury/index.html (State Treasurer’s website)

North DakotaState Treasurer’s Office 600 East Boulevard 3rd Floor Bismarck North Dakota 58505-0600 Phone: (701)328-2643 http://www.discovernd.com/ (State Treasurer’s website)

Wyoming State Treasurer’s Office200 West 24th Street Cheyenne, Wyoming 82002 Phone:(307)777-7408 http://treasurer.state.wy.us/ (State Treasurer’s website)

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Conclusion: Tax Lien Certificates Are An Excellent Investment Page 87 of 89 TaxLienSaleCertificate.com 5207 McKinney Ave. #18 Dallas, TX 75205 www.taxliensalecertificate.com questions@taxliensalecertificate.comConclusion: Tax Lien Certificates Are An Excellent Investment So, there you have it – all the information you need to successfully invest in property tax liens. You’ve learned all the specifics, including: • What tax liens are. • What why you should invest in tax liens. • How to buy tax lien certificates, including the steps involved before, during, and after the tax sale. • An explanation of tax sale procedures in the state of Colorado. • Useful tips to help you double or even triple your tax lien investment dollars. • The risks involved in tax lien investing. • A complete list of states that sell tax lien certificates. • A list of states where tax lien investing is most profitable. • Contact information for the most profitable tax lien states.
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Conclusion: Tax Lien Certificates Are An Excellent Investment Page 88 of 89 TaxLienSaleCertificate.com 5207 McKinney Ave. #18 Dallas, TX 75205 www.taxliensalecertificate.com questions@taxliensalecertificate.comKeep these points already mentioned in the report in mind: • Tax liens earn a higher rate of interest than Certificates of Deposit (upwards of 10% and more like 20% to 25% interest!). • Tax liens are a low-risk investment. 98% of tax liens are eventually paid off in the state that offer them. • The law is on your side. You are not responsible for pursuing the delinquent property owner to pay you for the tax lien. State law requires that delinquent taxpayers redeem tax liens or risk losing their property. • If property owners do not pay you back for the tax lien, you can foreclose and own the property after the redemption period, which ranges between 1 to 3 years, and gain valuable real estate for pennies on the dollar. • Investing in tax liens is very easy, much easier to figure out than investing in the stock market. • You don’t have to have a lot of money to invest in tax liens. You can invest as little as $100! • You do not have to live in the state to invest in their tax liens. States that
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Conclusion: Tax Lien Certificates Are An Excellent Investment Page 89 of 89 TaxLienSaleCertificate.com 5207 McKinney Ave. #18 Dallas, TX 75205 www.taxliensalecertificate.com questions@taxliensalecertificate.comsell tax liens offer them to virtually anyone, anywhere. • Even if you miss out on a state’s scheduled tax sale auction(s), you can still invest in their counties’ leftover liens and find some great bargains. Most importantly, tax liens are by far one of the most powerful and safe investments you can make, because you will get a guaranteed return on your investment that is backed by the government itself. You can’t say the same for the stock market where so many people have lost millions of dollars. Making money on tax liens is not a game of luck as it is in the stock market. With tax liens, you know the exact interest rate your investment will make in a relatively short period of time. And, remember, tax liens from the government is a real opportunity that many people all over the United States are doing and earning lots of money doing it. This report is simply intended to give you the facts you need to quickly figure out the ins and outs of tax lien investing so that you don’t have to spend hours of research figuring it out yourself. If you follow the guidelines in this comprehensive report, you will be well on your way to earning safe, high-interest, low-risk investment returns.