Focus on Personal Finance (The Mcgraw-Hill/Irwin Series in Finance, Insurance and Real Estate)

Focus on Personal Finance is a brief, 14-chapter book, covering the critical topics in Personal Finance courses. This 4-color, paperback text is designed and written to appeal to a range of ages, life situations, and levels of financial literacy.

A unique aspect of this text is its active approach. This text will not only get your students thinking about their current situation and financial goals, but also to put these in writing to use as a guide and revise over the course of their lives. The more a student involves themselves in the assessments, exercises and worksheets provided, the more they will discover about their current habits and how to improve them for greater financial freedom.

Students have many different financial goals, but none are more important than having a basic understanding of financial issues and peace of mind with regard to their decisions. The ultimate goal of Focus on Personal Finance is to get students to this point as a first step to achieving the many financial goals they have set for themselves.

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Tax Defaulted Properties - Why Aren't YOU Investing in Them?

If you aren't investing in tax defaulted properties... why not?

Investing in property is a great way to get rich. But to be as successful as possible, you'll need to know the right properties to buy - before you make a bunch of mistakes. And of course, we're talking about tax defaulted properties. Tax foreclosures beat every other type of property for a couple of reasons.

Let's start with the mortgage. Tax defaulted properties usually don't have one! If a mortgaged property goes tax delinquent, the mortgage company will pay the taxes. So when you buy a tax foreclosure, usually all you have to pay is the taxes and it's free and clear. These properties hold the greatest potential for huge profits. No mortgage means that all the equity in the property - however much it's worth - is yours for the taking.

If you know the right time to go after it, tax defaulted property is also the cheapest to buy - the other big reason you should focus on it. The back mortgage payments alone on a mortgage foreclosure could cost you more than the entire purchase of a tax foreclosure. Tax properties, on the other hand, can often be gotten for less than the cost of your average night out on the town with a couple of rowdy friends. How DO you get a tax defaulted property for such a small amount? If you're imagining the auction block at tax sale... think again.

No - you'll want to buy without buying at tax sale - and after someone else has already "bought" the property. If you wait until the very end of the redemption period, you will find a set of owners you definitely want to buy from. They aren't going to redeem, and they're just letting the property go. Want their deeds? Just ask for them. Most of these owners are glad to get rid of it. Offer $200 for their time in signing the documents.

Investing in foreclosures using the technique above is extremely profitable, and limits risks you'd otherwise have to take on at the tax sale. There aren't any good excuses for not getting involved - you have the ability to do this. It's a no-brainer that your likelihood of succeeding is high - just like the number of foreclosure properties right now. Don't let the profitable inventory of tax defaulted properties in YOUR area get away!

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Fundamentals of Investments w/S&P card + Stock-Trak card (Mcgraw-Hill/Irwin Series in Finance, Insurane and Real Estate)

Fundamentals of Investments was written to: 1. Focus on students as investment managers, giving them information they can act on instead of concentrating on theories and research without the proper context. 2. Offer strong, consistent pedagogy, including a balanced, unified treatment of the main types of financial investments as mirrored in the investment world. 3. Organize topics in a way that makes them easy to apply--whether to a portfolio simulation or to real life--and support these topics with hands-on activities.

The approach of this text reflects two central ideas. First, there is a consistent focus on the student as an individual investor or investments manager. Second, a consistent, unified treatment of the four basic types of financial instruments--stocks, bonds, options, and futures--focusing on their characteristics and features, their risks and returns, and the markets in which they trade.

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The Benefits of Using a Sydney Buyer's Agent

Sydney, Australia is a huge city! If you are planning on moving there, the fastest and most hassle-free way of finding somewhere to live is going through a Sydney Buyer's Agent. These are the professionals that know the area, what property is really worth, and whether you are getting what you really want from a seller.

Sydney has literally thousands of immigrants coming to live there each year. Because of the rapid population growth, real estate in Sydney has had to adapt. The Sydney Metropolitan Strategy plan is demanding that large infrastructure be built near convenient amenities like schools and stores in order to accommodate the incoming population. This makes Sydney a great place to live because housing is available near essential facilities and in close proximity to employment opportunities. The Sydney Metropolitan Strategy is also a financially sound concept - the economy is fed with more people buying from and working in businesses, and because of the large amount of new infrastructure being built, it is possible to live close to everything that's important to you including schools, shopping, hospitals, etc.

Buyer's Agents in Sydney know the businesses erecting these infrastructures - and who the reliable ones are. The biggest benefit of using a Buyer's Agent in Sydney is that they understand the area inside and out. They know where all the businesses are and what neighborhoods are best suited for their clients. In your initial meeting, describe your needs to your agent. What do you do for work? What kinds of places do you absolutely need to live near? What is your budget? What must your housing include in terms of number of rooms, appliances, utilities, parking, and other amenities? How many people are you living with? An agent will try their best to find a place well-suited to your needs. They will search primarily for listings that accommodate your budget and location needs. Because they know the neighborhoods, they will be sure to find a safe one for you. If you are a student looking for a place to live, an agent will find you affordable housing in a neighborhood that is popular for certain university students. If you are part of a family that seeks a house, a buyer's agent will be sure to find one near a school. Sydney is such a large city that it can be overwhelming looking through listings, contacting sellers, and inspecting homes yourself. Or if you are not currently living in Sydney, it is difficult to locate and inspect homes before making your decision. A Buyer's Agent knows the city and will rule out any properties that are in a less-than-ideal location, are out of your budget, or are from an unreliable seller.

Living in any major city is expensive, and no one should have to pay more than they are required to. Buyer's Agents in Sydney know how much property in certain neighborhoods is really worth. They can run comparative market reports to compare property you are interested in to similar properties all over Sydney. Comparative market reports are useful in making certain you are not paying more than what the property is worth. They can also help you find deals on better homes!

You will have to pay a fee when you use the services of a Buyer's Agent, but it is worth the extra cost! A Sydney Buyer's Agent knows the city inside and out. Their knowledge will ensure that you find a home within your budget, in a great location, that fits all of your personal and work-related needs!

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Guide To Buying Your Dream Home - Learn all the things you will need to do before buying your dream home! (92 Pages) AAA+++

Discover The Radical New Way Of Buying Your First Home Without Making Any Mistake With The Insider Guide To Show You How To Smooth Up Your Buying Process For Your Dream Home!

If you seriously want know how to buy your dream home with the right information, then this may be the most important letter you'll ever read! It doesn't matter, if this is the first time you are trying to experience on buying your first home, then this golden guides will show you every right steps you will need to take to successfully buying your dream home!

Most first time homeowners are bombarded with questions, rightly so. Questions like,

* Should you buy a new or older home and does it really matter?

* Which home is the best for your family, and how do you decide that?

* How can you distinguish a safe and clean neighborhood from a threatening one?

* Will the value of your home improve with time, and if not where do you move?

* Are their community bylaws you must adhere to, and if so what are they?

* Do you have to arrange garbage pick up, or will the city take care of it for you?

* Are there advantages of living in the country vs. living in the city?

The list goes on and on. Buying a new home is a major life-changing event for most people. It’s hard to find all the information you need about a home in a single location. You could spend hours on the Net looking for information on home buying. You could spend even more time interviewing or meeting with real estate agents. In a sea of agents however, finding someone capable of working for you and with you is challenging.

Fortunately, you’ve come to just the right place to learn everything there is to know about buying a new home. This new breakthrough guide is a result of years of searching, studying and scouring hundreds of websites, stores, and magazines. Learn everything there is to know about buying a house for the first time, and secure your family’s future.

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The Best Investment One Could Ever Have!

For young individuals, it is really hard to give up a big portion of their hard earned money for a house and lot. I believe you young professionals would agree. We are all under the "spell" of "chill outs", "clothes", etc. We are pretty much unaware that our young days are passing us by and soon enough we are trying to catch up for we need to finally mature.

Time is Investment's best partner! some investments are done too late in our time, that we get so little of its benefits already. And this is why, we young professionals need to act NOW! REAL ESTATE is the best investment, of course not including stocks, and other very complicated investments. Way back, we thought of real estate as a very difficult investment to make. First, because it involves a lot of money, and usually comes in very tough payment terms. ITS a DREAM so hard to reach. BUT NOW, its that easy, that we would not be worrying about big down payments and monthly amortizations. Rank and file employees and those who started of with a small business could avail of these very affordable packages. and take note, its not just affordable but it provides security and quality homes for our families.

Investment equates to security as well, though i would say that investment is way better than savings, and i believe that you all would agree. You would like to NOT just keep your hard earned money and let it stay its way for number of years. Making it grow is the BEST option, and that is what investment is all about!

All these are possible and are offered by a very credible and customer sensitive developer in the Philippines -
Property Company of Friends, Inc. They make sure that they are not just building homes but also creating communities. Opportunities are vast and future has never been clear.

Don't wait for tomorrow, make your dreams come true today!

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Fearless Real Estate Investing!

Number 1 Best Selling Authors T.c. and Vickie Bradley are back with the Hottest Real Estate Investing Course of 2008! Perfect for Todays upside down Real Estate Market! Affiiliates earn 83.50 per sale!

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Happy About Apartment Management: 30 Years of Expert Tips and Advice on Multifamily Property Management

REAL ESTATE can be a smart, lucrative investment, because it shelters property appreciation from taxes while allowing owners to deduct interest and depreciation. In addition, unlike financial investments, tax-deferred exchanges are common real estate trans-actions. However, many investors ignore real estate because it requires daily management. Still others invest in real estate and attempt to manage their properties themselves to save on management fees.

Most of us have seen infomercials about achieving financial independence by investing in real estate. During my years in property management, I have seen many people build wealth by investing in real estate. I have also seen time forgive some very poor real-estate investments, because fortunately, most bad real estate decisions are forgiven as property values appreciate. So, from my perspective, the key attribute to successful real estate investing is longevity-surviving the period between purchase and sale, while the property works to pay its way.

During the appreciation years, many real estate investors realize how poorly prepared they are to manage property. They experience the enormous stress from evictions because they have not developed appropriate credit-screening techniques that identify potential deadbeats. They are sued for discrimination because they do not understand fair housing regulations. They fall victim to downward economic spirals because they do not understand the relationship between curb appeal, occupancy rates, and rent. Worst of all, they often don't realize that their properties are under-performing by thousands of dollars each month.

Westlake Realty Group, has successfully managed real estate for over 30 years. They've dealt with a number of issues discussed above and can help you avoid them. You'll find this book a helpful and informative introduction to the fundamentals-and complexities-of property management.

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The Confusing Housing Market: Rent Or Buy?

Most of the time, the prospective buyers are in a fix whether to buy a house or to have Miami rental property. So to avoid this dilemma, one must study the housing trends in the market. There are many factors which are responsible for this kind of fix among the prospective buyers including marked down home prices, stalled economy, high level of unemployment, double-dip recession and expiration of tax credits for the home buyers. Most of the home buyers eye the Miami real estate market as buying a house here is more like an investment. The buyers are still confused, whether they should convert into renters or own their house at cheap prices or they should further wait for the Miami real estate prices to slash further.

The market is witnessing a number of foreclosure including the Miami foreclosure and this has further pressured the prices, hence the decision of the people. So, if someone wants to do away with this dilemma, then consult the latest Trulia rent vs. buy index which will provide the latest information on Miami real estate and the best deals to be grabbed. According to this index, the buyers who are eying townships or condos must consider places like Calif, Fresno, Texas and Miami. So before heading on to buy a property, get to know the real value of the condos or a town home which can be know through the price-to-rent ratio.

If the prospective customer is interested in renting a house, then New York is an ideal market as there it is cheaper to rent than to own a house. Apart from this some other top renters' markets include San Francisco, San Diego, Omaha, Sacramento, Portland, Boston and Kansas City. For those who are interested in buying houses, Miami real estate is the best place as the prices here have plummeted by big numbers. Know about the housing market before deciding whether to rent or buy.

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Jump Start Real Estate Investing

Step by step tutorials for new real estate investors

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Home Staging To Sell Your Home Fast: Over 100 Home Decor Tips to Sell Your Home Fast Or How to Stage Your Home for a Quick Home Sale

Read this book before lowering the price on your property - it could save your thousands!

Has your home been on the market for 60 days, 90 days, more? If that's the case, there are probably some very good reasons why your home isn't selling. One of the most common reasons why a house isn't selling is that it doesn't show well. So, if your home isn't selling, it will most likely benefit from the home makeover tips in this book to help you attract qualified buyers. The good news is that most of the work required to get your home into tip top selling condition is cosmetic and relatively inexpensive. By using the information in this book, you give yourself a leg up on the competition and have the best chance possible to realize a quicker sale for more money.

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Real Estate 101 - All The Tips You Need To Know About Buying Your First Home!

This book makes it easy to not only buy a home, but figure out everything that you need to do, even get a loan.

In simple and easy to understand language, it talks about where you should buy a home, what to look for in a home, how to find a home, how to get an agent, how to get a mortgage and more.

This is a step by step process that you, a new home buyer, can use to purchase a home. You can not only find the right home but this book tells you exactly how to get it - from negotiating the contract to the closing and everything in between.

You will learn: The Real Estate Market Today. What To Look For In A Home. The Location Of A Home. How To Get A Mortgage. Title and Survey Issues. And a lot more!

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Time Is Of The Essence When Trading Real Estate

So you're buying a home for yourself or you might even be buying an investment property. You have a signed contract and have signed all the loan docs. Weeks and sometimes months go by without a closing. WTF is going on you ask? Let me give you some insight from the buyers side as well as the sellers side on 3 types of holdups that can stall your closing. And what you can do to speed up the process.

Loan Conditions- Once your loan is approved, the lending institution will issue a list of conditions that need to be provided before they issue a clear to close. These items may include but are not limited to recent check stubs, tax returns, appraisal, payoff letters, proof of insurance, verifications of deposit, ban k statements, job verifications, etc. Always stay on top of your loan officer as well as your attorney and request a list of these conditions so that you can work together on collecting them for the bank underwriters. The sooner these items are turned in, the sooner you will arrive at the closing table.

Cloudy Title- This is where a good attorney comes into play. If the property does not have a clear title, a lender will not close on it. Clouds on title can include tax liens, mechanical liens, PIN number mix-ups, ownership drama, you name it. All of these items are on the sellers behalf and need to be addressed by them. Even though you really cannot control how quickly these things are cleared up, your attorney can put pressure on the sellers side to get it done asap. Sometimes a cloudy title can take a long time to clear up and may hold up your purchase a lot longer than expected. Make sure your team stays all over the seller to press these issues in order to obtain a clear title so you can take over ownership of the property.

Lending- Your lending team plays a huge role in getting a loan approved and funded. The loan officer, processer and underwriter are your banks back office. The loan officer originates your loan then passes it off the initial package to processing to expedite the process. Your processer prepares a tight package off to the underwriter for final approval. My advice to you...stay on top of your loan officer at all times. The loan officer directs all aspects of the lending process. You and your attorney should let them know up front what you expect and that you need to close the transaction as swiftly as possible. It is very easy for your loan file to get thrown to the bottom of the pile if you don't put a little pressure on your lending team. I've seen it happen way too many times.

At the end of the day your lender, both Realtor, attorneys, title companies all need to work together simultaneously in order to ensure a smooth purchase process that will get you to the closing table a quickly as possible. Time is always of the essence in real estate. Make sure no one wastes yours. JT

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Real Estate Finance & Investments (Real Estate Finance and Investments)

Rigorous yet practical, Real Estate Finance and Investments has been the leading real estate finance and investments text for over 25 years, consistently setting the standard for currency and coverage in real estate finance and investments textbooks. The 13th edition continues to provide students with the tools they need to understand and analyze real estate markets and the investment alternatives available to both debt and equity investors. New content and problems addressing current trends in real estate finance and investments have been seamlessly incorporated into the text, without disrupting the material and organization instructors have relied on in past editions.

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Turkish Real Estate Sector

The Turkish real estate sector, offering greater opportunities for investors, has come to prominence especially in the last years. With the recent economic crisis and the global economic recession the European and US markets have been negatively affected, the market in Turkey is still promising.

While the reduction in demand and a downward trend in house prices have been observed all over Europe, according to TurkStat statistics the number of apartment units sold in the second quarter of 2009 increased 72 percent compared with the same period of 2008 in Turkey, which shows that Turkey has a huge growth potential in the property sector.

The entry of global actors into the real estate market is increasing the competitiveness of the sector, while massive mergers and acquisitions taking place help its expansion and overall growth rates. Different surveys and publications such as the "Emerging Trends in Real Estate Europe", prepared jointly by PricewaterhouseCoopers (PWC) and the Urban Land Institute, show how global and local interest in the Turkish real estate sector has increased. According to the 2009 publication of this report, Istanbul is ranked as the third most attractive investment market in Europe after Munich and Hamburg.

As Turkey progresses along the road to EU membership, the essential legislative reforms introduced have made investing in the real estate market even easier and more profitable. The amendments to the Land Registry Law, the Draft Mortgage Law and the redrafting of tax laws are also designed to improve the competitiveness of the Turkish property sector.

The poperty sector in Turkey also has great prospects thanks to demographic factors that are changing in parallel with improving economic figures. The demand for offices and logistical and industrial areas is expected to increase in line with the increasing number of global and local companies.

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Real Estate Finance and Investments

This text is the market leader for the Real Estate Finance course. This is primarily due to its comprehensive and current coverage. Instructors find the text to be authoritative, rigorous and trustworthy, making it a classic in the field. This edition continues to evolve to provide students with the tools they need to understand and analyze real estate markets and the investment alternatives available to both debt and equity investors.

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When to Invest in Playa Del Carmen Real Estate

Reviewing market history, an investor may note that Playa del Carmen real estate went through it's boom in the middle of the decade, when buyers were flipping condos during the pre-construction period, making a considerable profit even before the property was completed.

But here's an important point to consider; while the fastest movement of this boom has past, Playa del Carmen continues to be the fastest growing community in Latin America, and presents a wide variety of new investment opportunities.

The question is not so much when to invest in Playa del Carmen, but where. The following are a few property types in which investors could see excellent potential for return in the current market:

Land purchases in newly developing areas. Playa del Carmen is expanding and new upscale residential and commercial areas are appearing away from the traditional tourist areas near the beachfront. In some of these areas, land has appreciated up to 30% over the past year.

Vacation Rental. Tourism continues to grow strongly, and with a well managed rental plan, vacation rentals can bring considerable return to investors. It is important to consider size, location and nearby services in this option.

Long-term Rental. The property type and location factors are important as well, but in a different way. Some buyers have managed to invest in one condominium, and use the long-term rental income to invest in a second.

As far as location is concerned, there are a few interesting areas to consider in Playa del Carmen real estate.

Coco Beach. The beachfront area just north of downtown, about a 10 minute walk to the main tourist area, is currently the end of all the beachfront activity. With new hotels and large-scale condo developments going in on the other side of Coco Beach, it promises to be the center pretty soon.

The "other side" of the highway. This is the area away from the beach, where land has been appreciating considerably. Other than land purchases, investors can also consider new gated "boutique communities" which offer excellent residential options, and even services that increase appeal for tourists. Nearby malls are also a real benefit.

South Downtown. This is the downtown core, which was the original village of Playa del Carmen; 15 years ago this was the entire town! For this reason, the area is full of little homes, built by some of the first to arrive to the area when tourism began to grow. The area is transforming, however. New condos are appearing; large supermarkets and shopping options exist, and Fifth Avenue (the main tourist street) and the beach are between 5 and 10 minutes away.

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Real Estate Investing Marketing Systems

90 Commission. Help real estate investors with ready made marketing systems that solve their greatest challenge. How to find real estate deals before the competition!

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Real Estate Investment Secrets - Discover the Jealously Guarded Insights of Real Estate Tycoons and Hot Dealers!

Most investors are not interested in investing in urban real estate. This means that there is a wide open opportunity for those who ARE interested in investing in urban real estate. You will likely hear umpteen reasons why you should NOT invest in urban real estate so let me give you a few good reasons why you SHOULD invest in urban real estate. You see, the point of having a strategy for profiting from the purchase of any piece of real estate must be your first decision because everything that comes after that is dependent upon it. All is revealed in Real Estate Investment Secrets - with each page is packed with solid how to secret to becoming the next Real Estate Tycoon in your area of dominance!

TABLE OF CONTENTS

Tenderfoot Education in Real Estate Investing 101.

Why Invest in Urban Real Estate?

The Secret to Real Estate Riches Lies in Location, Location, Location!

How to Find Hot Markets for Buying Investment Property. And A Lot More!

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Why to Invest in Delhi Properties?

Few years back properties in Delhi didn't have a high value but today the value of properties in Delhi have doubled & trebled because of better education facilities, entertainment zones, job opportunities, many business organization opening their branches in Delhi, etc. Today, many people want a residential or a commercial space in Delhi because of the rising property prices which is going to soar in future. Here are some reasons regarding why to invest in Delhi properties & tips that will give you a detailed understanding of it.

1. There has been an immense development in Delhi from some years in terms of malls, Multiplexes, hospitals, entertainment centers, business centers, development of huge residential & commercial buildings, township projects, new roads, amusement parks & other luxury services.

2. The new Metro itinerary connecting eastern part of Delhi to rest of Delhi & construction Of CWG village has made Delhi more popular today.

3. Major residential regions in Delhi like Greater Kailash, Rajendra Nagar, Hauz Khas, Vasant Vihar, Mayur Vihar, Karol Bagh, etc are in a high appreciation as compared to other regions. Residential property sector has witnessed an increase in price of over 50% in National Capital Region.

4. Delhi has a great importance for its educational centers attracting people from prominent places to come to Delhi & settle down here.

5. The market trends in terms of sale prices of Delhi properties indicate that investing in residential & commercial properties in Delhi will be very profitable.

6. Both Central Government & National Capital Regions' Government have taken many initiatives through RBI, Ministry of Commerce & Industry & other agencies to boost & promote residential properties in Delhi.

7. The return on investment on capital value of property is one of the highest in the world & is approximately 10-15%.

8. The real estate sector in Delhi offers its customers with world class commercial & residential properties. You can buy a flat, bungalow, commercial space, etc in Delhi catering to your taste & which would also be world class in terms of quality, architecture, ambience, etc giving you a good return for your investment.

9. Commercial establishments in Delhi in growing with each passing day with many MNC's setting up there offices in Delhi.

10. From East Delhi to South Delhi property rates are soaring in every region in Delhi.

11. Delhi's residential property sector is witnessing an increase in apartments, small to luxury homes & even luxury flats as more & more people want to invest in Delhi properties because of its booming real estate market & other developments in Delhi.

12. Properties in Delhi can be easily availed today at great discounts with benefits of EMI & other such related facilities.

The property market in Delhi is very vibrant & in huge demand today. It has become a major center of attraction both for investors & builders. So, if you want to invest in real estate in a dream destination in the world & be profitable then don't waste any more time, snap your property deal now.

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You Can Syndicate Anything

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The Ultimate Real Estate System

Buy Nothing Down, Realize Returns As High As 50% With Tax Lien Certificates And Discount Real Estate With Foreclosure Short Sales.

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Wealth and Empowerment Training Video 5: Case Studies 3

An "In the field" Real Estate Investing Experieince

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