Risks and Benefits of Tax Lien Investing

Tax lien investing is something that every serious investor in real estate should consider. But the last thing you must do is leap into it without considering all that's involved.

What are tax liens?

Most states of the USA have a system for collecting unpaid property taxes and enabling reliable payers to be deposited back on the tax roll. These states use either a "tax deed" system or a "tax lien" system, depending on what rights are sold to the purchaser of the property. Under a tax deed system, county Governments will sell full ownership and possession rights to the investor. In tax lien states, it is only the right to the tax lien or tax claim on the property that is sold.

The tax lien is an encumbrance or enforcement right. It provides the investor with the right to receive interest penalty charges if the lien is paid off by the delinquent owner, or the right to foreclose and take title to the property if the lien is not paid.

So tax liens are a highly attractive investment opportunity. These are just some of the many benefits:

· The tax lien is a high priority lien which takes precedence over judgment liens, mortgage liens, trust deeds etc.

· There is the right to collect interest or foreclose. If the lien is redeemed by the delinquent property owner, you can collect a double-digit return. If not, you can foreclose and obtain full ownership rights.

· It is the responsibility of the county to chase up payment – it is not your problem.

· The tax lien is usually for a small fraction of the property's market value, so the investment is highly secured.

· The investor is not subject to land owner liability. This is clearly an advantage, as there are an increasing number of laws against property owners.

· Interest rates are usually 16-24 percent, according to state law.

· The investment is low risk and low maintenance.

So the temptation is to leap blindly into this seemingly very attractive type of investing. But those who do not take care can get their fingers burned. These are aspects you should attend to:

· Assessing the property. Since you are purchasing the lien, not the property itself, it is tempting to go ahead without bothering to view the property. However, the security and value of the lien are based on the actual property. So you do need to see what sort of property it is.

· Market value of the property. There are all sorts of factors that may affect the value of the property and hence the value of the lien. These include zoning regulations, location, city restrictions, flood plain paths etc. Researching these factors is essential.

· Although property tax liens have a high priority, in some states federal and state tax liens share equal priority. Sometimes people who have failed to research survival liens and encumbrances have received a nasty shock when they find their lien is not number one. This shock can easily be avoided with some simple research.

· One risk factor can be created by the delinquent taxpayer becoming bankrupt after the purchase of a lien. The tax lien holder is usually given high priority in this situation. However there could have been a problem in the case of a Chapter 7 bankruptcy where payment of the tax lien has to wait until the expenses of administration are paid.

· If a lien is administrated by the FDIC (Federal Deposit Insurance Corporation) there could be serious delays in the foreclosure process. It is essential to check whether this is so before completing the purchase.

The good news is that most of these risks can be avoided by doing reasonable research before investing. This makes tax liens one of the safest and most profitable forms of investment. And if you as the investor do fall into any of these traps after reading this, you only have yourself to blame!

Stages Of Play Development In Children

For little children, they see the world through play. Experts would refer to play as the work of children. Play allows the child to discover and to experiment the world around him. Moreover, play has several benefits. One, it builds the child imagination. Two, it Promotes social skills. Three, it develops the child's learning and development. Lev Semyonovich Vygotsky, a Soviet psychologist and the founder of cultural-historical psychology, believes that play has a major part in the child's development. From his studies, a child developments abstract meaning separate from the objects in the world. At pee-school age, a piece of wood begins to perform the role of a doll, and a stick becomes a horse.

As children grow and develop, children go through distinct stages of play. It is important that when planning activities for kids, consider how play affects their learning and development. In 1932, Mildred Parten developed the stages of play, each stage is described below.

Unoccupied Play
This is the stage when the child is not engaged in playing and just observing. A child can be simply standing in one spot observing his surroundings.

Solitary
It is also referred to as independent play. In this stage, the child separates himself from others with no reference to what others are engaged to. Experts believe that children at this stage are simply not interested in playing with others because they are ego-centric. Ego-centric is where a person is not able to see a point through another person's perspective. In return, the child individually plays with his toys. Moreover, children between the ages of one and two are very much engrossed with the world around him. During play time, parents will notice a lot of banging, noise-making and imitating.

Spectator
This is the stage when the child is about two and a half year. The child begins to be on a lookout for people around him. A child may show interest on what other children are playing, however the child does not want to join in. A parent will know that the child is in this stage if the child shows interest by pointing or squealing at what others are doing.

Parallel
This stage typically occurs when the child is between two and a half and three years of age. The child may see another child playing and would sit down and play next to him. They are contented to play side by side even without interaction. The reason behind this behavior is that children at this age do not possess yet the skills necessary for playing together. The term cooperation is yet to be learned.

Associative Play
This stage occurs between the ages of three and four and this is the first category that children engage in strong social interaction during play. Furthermore, the child will start to see the benefit of playing with another child.

Cooperative Play
When the child reaches four years of age, he is ready to learn to play cooperatively with other kids. Typically, the play is structured and there is a one clear leader in the group. At times, conflict can raise and it can be easily resolved with less disruptive play. Also, in this stage, children interact and work together towards a common goal.

Modern schools believe that Parten's stages of play has greatly contributed to our understanding of play. It is widely used by parents and child psychology experts to understand children's development. By and large, play therapy is employed in children ages 3 to 11.

Play provides an opportunity for children to express their feelings, emotions and experiences through a natural, self-guided process. Encouraging play is very important because it helps children to communicate. It thus becomes a vital medium for children to recognize and acknowledge themselves and others.

SEO Vs PPC – Which Provide You Better Results?

PPC (Pay Per Click) or SEO (Search Engine Optimization) are two important and most basic approaches that improves the ranking of your website and help you get better results. For a businessman, it is very hard to choose between both the basic options. And to make a smart choice, you first need to have the knowledge of both the options and if you don’t know about them, so, this article will help you a lot. What are we waiting for? Let’s get started.

  • PPC (Pay Per Click): It is basically online ads in which you need to pay for every single click on your website. It is also recognized as paid searching and to run this campaign successfully, you need to have a huge marketing budget, as you have to pay for every single click on your advertisement, whether it converts or not.
  • SEO (Search Engine Optimization): Another basic option you have is SEO, which gives you the organic results without emptying your wallet. There are sets of tools and techniques you can apply to increase the visibility of your website organically, which increase your credibility and customer base as well.

Scroll Down To Know Why SEO Is Better Than PPC

  • Increase Organic Results: If you want organic traffic and results for your website, it’s better to go for SEO, as the traffic comes by the way of this approach is genuine and increase the chances of high conversion. On the contrary, PPC fails to increase organic traffic, as it will give you hit, only till you pay.
  • Credibility: SEO will help you increase the visibility of your website on top of the search results, which not only increase your traffic, but also increase your credibility. On the other side, PPC displays your name on the very first page, only till the time you are paying for every click, which is not credible at all and fails to win the customer’s faith.
  • Cost: SEO will cost you lesser in comparison with the PPC. Therefore, it is the most suitable options for every small as well as large organization, because it gives long-lasting results without breaking the banks.

All the above points make it clear that, in the battle of PPC vs. SEO, SEO will give you the bangs for the bucks. Though to get the results of your efforts, you need to take every move smartly. And if you are not aware of the trick of the trades, so, it is compulsory for you to consult an SEO Expert, who will help you attain the business goals.

End Over: A Mountain Biking Story Where The Main Character Should Have Totally Bitten It

Remember those little caplets that would turn into “dinosaurs” when dropped in water? I know of a person who is sort of like that (though he didn’t have the shape of a dinosaur after the expansion, and I don’t think it was just water that caused this transformation). His name is Mark. Before about the age of 15 Mark was like the little caplet. He was small for his age. He had glasses that were about half an inch thick and his hair always seemed to be rather disheveled and a little greasy. In the middle of his teen-age years Mark remade himself, apparently as a sheer act of will. He became incredibly strong, capable, cleanly, and still amazingly nice. Once Mark committed to something, he refused to betray that commitment. It was this trait that allowed him to change his appearance so much. However, in Mark this trait also created a level of honor found in only a rare few.  Betrayal was not an option for Mark. He stood up for what he believed.
* * *
Mountain biking was an excellent pastime on the ranch. There were steep slopes that made it hard and eventually gave one a sense of accomplishment. There were also forests to obscure one’s totally embarrassing falls. To make things more exciting we would start our rides from many different places on the ranch. Due to the size of the ranch, this meant getting places on the ranch with the bikes but without riding the bikes. Such an enterprise often entailed stuffing the bikes into the back of our 1992 ford explorer. As much as I liked this car it was not quite optimal for bike transportation. Since there were three of us we could put down only one of the back seats. We took off the wheels and seats of the bikes and stuffed them into the awkwardly shaped space that wrapped around the one backseat. For some unfortunate reason Mark always seemed to be the one who sat in the back next to the bikes. As we bounced across the ranch the bikes tended to become rather rambunctious. They would honestly leap a foot or two into the air when we went over hills and come crashing down slightly after the explorer itself did. It could be argued that this was, in large part, a result of the driving style employed. However, right now we are focusing on the funny situation in the back seat, not about the driver or on determining blame. The fact that the bikes leapt into the air and moved towards Mark with ruthless force was regrettable. However, the real kicker was that when the heap of metal landed it would lock together. One piece of twisted metal would loop over the next and so forth. This locking prevented Mark from pushing away the attacking bikes and over time resulted in a continual loss of space to the bikes tireless invasion. By the time we arrived at our trail-head Mark had about half the personal space that he stated with and about ¾ of what he needed. Upon arrival Mark also had a bike fork pressed firmly into his thigh.
* * *
At the end of the bike ride we went down a final steep section. We lost enough altitude going down this final slope that we were able to zoom down it. This section was  long enough to convince us that we could totally handle flying down it. If it were steeper, I think we would have slowed down more. But, on this particular hill we just leaned in close to our bikes and felt the air go past us faster and faster. Due to our speed we spread out a bit, so that if someone fell there would at least be the possibility that the person behind them could avoid hitting them. Mark was the final one to come down the hill and we were able to watch him flicker between the trees on his descent. He was going fast. Then, Mark and his bike charged behind one particular tree. When he appeared on the other side of the tree he was no longer riding his bike. He was sprinting with all his might and leaning forward like someone who couldn’t quite keep up with their speed.
* * *
As it worked out Mark had hit a deep pothole in the path. This particular pothole was so deep that it was able to violently and completely stop his fast moving front tire. However, the pothole did not stop Mark or the rest of Mark’s bike. This resulted in Mark and the back end of the mountain bike gracefully pivoting around the axle in the middle of the front tire. Mark pivoted towards the ground at the same speed he had been biking. While he was looking straight ahead at the seemingly vertical earth coming at him Mark was somehow able to do a series of extremely helpful actions. Mark was able to get is feet out of the clips that held them to the pedals of the bike. Then he was able to get his feet up to the height of his armpits and over the handlebars of the bike (before these same handlebars collided with the ground). From this awkward fetal position Mark was able to break into a full sprint. A sprint so fast that few could have sustained in the best of circumstances. This sprint turned out to be just fast enough to prevent him from performing a painfully unexpected cartwheel. I am not a completely ignorant man. I have watched the Olympics and the world cup. However, this is honestly one of the most impressive physical acts that I have ever seen. It is so impressive partly because he did it completely without warning, and partly because it would have hurt so much if he didn’t pull it off.
* * *
Mark slowed down at the bottom of the hill with his bike far behind him. He stopped and  leaned forward, placing his hands on his knees. After looking up the hill at the bikes he looked at us and panted “Looks like I got back at the bike for the car ride”.