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One of the questions that I frequently get from visitors to my web site, http://www.taxlienlady.com, is “Can I invest in tax lien certificates online or through the mail?” Many people want to invest in tax lien certificates but don’t have the time freedom to physically attend the tax sales, so they want to do it online or by mail. A couple of tax lien states do hold online tax sales, and a few will allow you to mail in your bid. I don’t, however, recommend investing in tax lien certificates by mail or online unless you can look at the properties or have someone else look at them for you.

First let’s talk about online tax sales. As tax lien investing has become more popular with the average person (it’s not just the secret of the wealthy anymore), it’s also become more competitive. Over the last three or four years, in states where the interest rate is bid down, the bidding has been going lower and lower – as low at .25% in some sates. And in states where the amount of the lien is bid up prices have been bid higher and higher. Online auctions increase the competition even more. Now instead of bidding against every interested party who can come to the sale, you’re competing with every interested party with a computer.

Three things happen at these online tax sales. First of all a lot more bidders show up because all they have to do is get to their computer to register for the sale. Secondly, more money – or lower interest rates are bid for tax lien certificates because there are an increased amount of bidders. And thirdly more properties are sold at these sales. You see, at most tax sales there are “left-over” liens that no one bids on that go to the county. A lot of these properties are junk properties. They are really not worth anything and that’s why the owner stopped paying the taxes. Any bidders that have done their due diligence will know this and will not bid on these properties. But when sales are held online these properties will typically be sold. Don’t you be one of those online bidders who buys a tax lien on a worthless piece of property!

Would you purchase real estate that you didn’t look at first? Even though you are not purchasing the property when you buy a tax lien (you are only paying the past due taxes and penalties and putting a lien on the property), you still need to make sure that the property is valuable. There is always the chance that the lien will not be redeemed and that you will wind up with the property. And if you do have to foreclose on the property, you want it to be worth much more than you have invested in it. Your investment isn’t only the amount that you paid at the sale, but all of the subsequent taxes that you paid, any legal fees and foreclosure costs, and any costs that you incur to fix up the property before you sell it.

Here is something else to consider if you decide to go ahead and tax lien certificates online anyway. You will pay more money for tax lien certificates online than you would at a regular tax sale. First of all you will have to have a hefty deposit just to register for the sale. If you do not purchase any liens your deposit will be refunded. If you do make a purchase it money will be deducted from your deposit. Even if you make a purchase by mistake, the money will be deducted and it will not be returned. If you do not complete the transaction you could be banned from any future sales. In addition to that you will have to pay the online auction company a commission, which could be as high as 10% of the purchase price of the lien(s) that you buy.

What about purchasing tax lien certificates through the mail? Many states do allow for purchasing of tax lien certificates through the mail. Most states allow this for their “left-over” liens and a couple of states will even allow mailed in bids for their tax sales. Buying tax lien certificates through the mail does not have all the problems that I described for online tax sales, especially if you are able to do your due diligence on the properties before placing your bid. You are, however, at a disadvantage when you mail in your bid for a tax sale. I suggest that you find out what the procedure is at the sale. If your bid is read out loud at the sale and those present at the sale have the opportunity to out bid you, than you are at a disadvantage. It is the investors who are present at the sale that have the advantage over you.

There are opportunities in some states that sell leftover liens (sometimes these are referred to as “over-the-counter” liens or “assignment” liens) that are available for purchase through the mail. Be very careful though to do your due diligence on these properties before you placing a bid. Very often, as I mentioned earlier, there is a reason that these liens were not purchased by other investors. If no-body else wanted it maybe there is something wrong with it! Check the property out before you buy. With tax lien investing, there are no refunds!

By: Joanne Musa

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Are you looking for loans for people with bad credit and no checking account? Unfortunately, you are in a bit of a difficult situation here. Lending companies will not be inclined to give out loans if you don’t have a bank account. However, there are a few things you can do to get around this.

The first thing you can do is to actually get a checking account. Now, if you don’t have a checking account, you presumably have been unable to open one because of past financial history problems – or many you don’t actually qualify to open one for some reason.

If you can’t open a bank account because of credit problems in the past, you can look for banks that offer accounts that don’t require a credit check. It’s difficult to find these, but you can find them, sometimes.

You can also open up a second chance checking account online. These are special accounts that are specifically designed for people who have problems opening a traditional account. If you open one, you can then apply for a personal loan and show proof of a bank account.

You can also look at getting a loan that doesn’t require any sort of bank account. Now, to be fair, there are not many loans out there that will do this. However, you can look at getting a payday loan. Some payday loans are no bank account loans. The best place to start looking for these type of loans is online. But make sure you do enough research before making any solid decisions.

By: John Smythe

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People have often asked me what I consider the ABC of networking are.

Interestingly, the ABCs I tend to pick have little to do with the process of networking, but more to do with the WHY, WHO, WHERE and WHEN.

To that end, I’m going to give you my ABCs with a brief explanation of some of the words and why I choose these above all others.

A – Aptitude, Attitude, Attention, Action and Ask. These are all powerful, ‘A’ words which are important in business networking. You need to have a strong attitude to take action and and create an aptitude for asking the right questions.

B – Business, Branding and Brevity. These ‘B’ words are all about being focused on the Brand you’re trying to put forward, keeping it brief and ensuring that you’re always about business.

C – Commitment, Communication, Connection, and Clarity. Commitment is a very strong part of good business networking. It allows you to create powerful connections, while communicating with absolute clarity… this shows you the power of the ‘C’s’.

D – Dedication, Determination and Diplomacy. In business networking, you have to have a very determined mindset. Always be diplomatic, but always be determined in achieving your target or goal.

E – Enthusiastic, Empathic, Emotive and Engaging. When networking, you need to be focused on creating a strong connection. You need to show your enthusiasm by being engaging and empathic while using emotive language to get your point across.

F – Friendly, Focused and Fun. Even though you are focused on achieving connections. The more fun, you create in the process, the more friendly you will appear to the people you’re meeting.

G – Goals, Gratitude and Give. One of the key elements of business networking is giving, but in giving you need to make sure you do so with gratitude. And that you are focused on achieving your specific goals in helping others.

H – Happy, Host and Helpful. The ‘H’s’ in networking, a very important. When you are a networking function always act like a host be as helpful as you can be to assist others to feel more comfortable. In doing so, you’ll feel a lot happier, and they will also be happy to meet you and be happy to be at the function.

I – Interested, Ideas and Innovative. One of the keys to business networking is showing people that you have innovative ideas and are interested in them and their business. You might just be the key to their future success

J – Jovial, Just and joyful. These seem to be rather interesting words to use in a business networking context. However, if you don’t have an attitude of joy and a sense of joviality and is very difficult to accept the judgement of others. Despite what other people think we must always have a just attitude to people and their ideas.

K – Knowledgeable, Kudos and Keen. These tend to speak for themselves. When talking to another person it is always appropriate to give them kudos for any achievements that they will tell you about. It is important that we show that we have a knowledgeable understanding of their business, and if we don’t, that we have a keenness in learning more from them.

L – Likeable, Listen, Learning and Laughter. The ‘L’ words cover some important aspects. We must always listen, if we are going to learn about our contact. Being able to laugh with them and show that we are likeable, is an important step in creating this relationship.

M – Motivation, Mentoring and Managing. When going to a networking function. It is important that we take a role of motivator and mentor, particularly to those who are new to business networking. But we must always be mindful to manage our connections, and our goals when we are at an event.

N – Noticeable, New and Nuances. It is key at all networking functions to make sure that we are noticed, one of the best ways to do that is to always offer something new and listen and look to the nuances in the reactions of the people we are talking to. These are the clues to building a strong connection.

O – Openness, Open-Minded and Opportunities. These words are very obvious. We must always show that we are open to other people, and that we’re open minded to their ideas and also to their opportunities.

P – Positive, Present, Passionate and Profitability. One of the true keys in networking is to be always be present, in the moment, with the person you’re talking to. Your passion and your positive attitude will lead you closer to creating a profitable relationship once you take your connection to the next step.

Q – Question, Quirky and Questing. Whenever you’re with any group of people, it is important to ask appropriate questions. Often these questions can be quirky and fun, because this gives the recipient an idea that you are questing for more than just the standard answers.

R – Reciprocity, Real and Rapport. Business networking is about developing a reciprocal arrangement with someone else. If you’re honest and real, you will find it very easy to build rapport with that person. Once this is done, you will find that developing a reciprocal arrangement becomes easier.

S – Sincere, Succinct and Silent. People often say, silence is golden. it is important that when you ask a question, keep it succinct, and then let the person answer the question. By allowing others to complete what they have to say reflects on your sincerity.

T – Tenacious, Thorough and Transparent. At a networking function, you need to be tenacious to your goal. Be thorough in the methods that you use, but always be transparent in your dealings with people.

U – Uniqueness, Useful and Understanding. One of the real opportunities when networking is to be able to show how useful and unique your business can be and how you can help others achieve success. By making an attempt to understand their business, you can show them how useful, you can be to them.

V – Visibility, Versatility and Value. Stepping out at a networking function is all about visibility. In the process, you need to show people that you have value and versatility to be able to assist them in their business.

W – Welcoming, Warm and Worthy. When meeting anyone, it is important to be welcoming and warm in your approach. You need to prove that you are worthy of their time and their interest.

X – Xanadu and Xenophile. I bet you didn’t think there were any x-words. Treat every networking event, like your personal Xanadu. All networking events are special places. Also it is important to be a Xenophile. This means that you are prepared to embrace everything that’s new and look at differences in people and businesses to be able to help them.

Y – You and Yes. You are the most important person at a networking function. It is important that you embraced the concept of saying yes to as many things as you can and be able to move any and every relationship forward for your and their success.

Z – Zeal and Zest. Zest is like passion and energy. It is important to show both at a networking function. You’re zeal on the other hand, is your attitude and your focus.

There you have it! My ABCs.

I hope to expand on these in future articles and be able to share with you some of the very real benefits of embracing these ABCs so that you can use these tools to help you create profitability and success in your business.

Happy and profitable networking!

By: Leo Petrik

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The only remedy available to the insurer in the event of material non-disclosure or misrepresentation is the avoidance of the policy of insurance. It must then return the premium to the assured and parties will be returned to the status quo. Frequently, the insurer or its solicitors will write to the assured and state in simple terms that the contract of insurance is avoided and will then list the grounds on which the avoidance is based.

The contract is not void in itself; the option is available to the insurer as to whether or not he avoids the contract. Such avoidance, is, therefore, similar to contractual rescission, differing only in that the parties to an avoided insurance contract are returned to the pre-contractual position whereas in contractual rescission the duties and obligations of the contracting parties only cease after the date of rescission.

As the insurer has the option to avoid the contract, if it takes a step which is inconsistent with avoidance after it is fully aware of the misrepresentation or the fact of the non-disclosure it will be said to have affirmed the contract and waived its right to avoid.

The essence of waiver is the insurer acting inconsistently with avoidance. Obviously if the insurer expressly affirms the contract of insurance then it has clearly waived its right to avoid. The insurer can, however, lose its right to avoid by making statements or taking action which is inconsistent and thus the insurer impliedly affirms the contract. It is usually in those circumstances that disputes arise as to whether or not the contract has been affirmed.

By: Willis J. Watson

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Here comes Tim brooding over the mishappenings in his office. Everything is in turmoil for him. The freckles on his forehead show the concern towards his family, which is overtly dependent on him. He is fired and left unemployed for the next few months.

As they say every cloud has a silver lining, unsecured unemployment loans comes to his rescue. Gone are the days when you had to go through the hackles of unemployment. The hardships that you had to face, the embarrassment you had to deal with are over.

More over an unemployed person is always wary of putting his fixed assets as collateral to secure secured loans. Huge competition in the loan market has opened the floodgates for acquiring unsecured unemployment loans. It is offering more flexible terms so that every person can avail this. The good point about the unsecured unemployment loans is its flexibility in terms of loan repayment. The lenders do not charge a penalty if the borrower fails to follow the repayment schedule.

Since unsecured unemployment loans do not have collateral as security, the repayment terms and conditions do play an important role. The sources like income support, disability living allowances, and benefits or redundancy pay can fill in the void for the repayment term in case of unsecured unemployment loans. The lender can be obviously satisfied through these options.

You may be wondering that an unemployed coupled with a bad credit may find it difficult to get an unsecured unemployment loans. You are always going to find the right lender who is ready to advance the loan to you even though the number of lenders may be low.

Unsecured unemployment loans are always ready to serve people who are ready to put up a fight against both short and long term unemployment, though they may not have a home of their own to lend as collateral. The only way is to sit and browse on the net.

There are numerous lenders who offer lucrative offers providing unsecured unemployment loans. A through check on the net can always find you the right lender offering the right terms and conditions. A detailed analysis and some tips from an expert can always be handy. Being careful can help you sustain the hardships easily. Moreover the time involved in paper work and the hassles involved in procuring unsecured unemployment loans can be reduced while applying online.

A note of caution while evaluating a loan- concentrate on the APR instead of the rate of interest. The unsecured loans with the best APR is the best.

By: Scarlette Riley

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Networking is one of those things that all businesses are encouraged to do. After all, it’s a way of increasing the amount of business that you do by word of mouth, probably the cheapest and most respected method of advertising out there.

So how do you go about finding a local business network meeting?

And once you’ve found one, what happens next?

There are some internet sites that exist to allow businesses to meet each other. You may have a local chamber of commerce that organises regular meetings. Or it could be a site such as Meetup or Linkedin. Or it could be a division of a larger organisation such as BNI that holds regular breakfast meetings and expects you to pay to be a member of your local chapter.

To an extent, the choice is yours.

The more formal networks claim that their members all promote everyone else’s business. The theory is that you each carry a few cards for each of the other businesses in your local group and then when someone asks you a question such as “Do you know a good plumber” you can say yes and hand them the relevant business card.

This can work quite well although there are a few restrictions. Groups like these often only allow one of each type of business into any particular group, so if there’s only one meeting locally and your industry is already covered, you may have to wait until the next group is formed.

Some of the other groups aren’t as formal. For instance, sites such as Meetup allow anyone to set up a group for a small fee. It’s then up to the organiser to organise! They set meeting dates and locations, set the agenda for the meeting and decide whether or not there will be a cover charge for the venue or speaker if there is one.

This can be quite a good setup so long as the local organiser is prepared to put in the effort to make sure things happen. It’s less formal than the paid networking meetings, which has pluses and minuses according to your point of view but it can mean that the setting is less “selly” as people don’t feel that they have to get their membership fee back every meeting.

Another type of local business network is an industry specific one. This could, for instance, be property investors or it could be based around something like personal development – the Tony Robbins inspired “Yes” group is one such example. These kind of meetings are great if you want to meet up with people in your industry and get all the latest news and gossip. They can be harder to find initially but the effort can be worth it.

By: Trevor Dumbleton

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