Interest Rate Volatility and Inflation Nancy Davis

Are you worried about inflation? You are not alone. most people are worried about all the money printing from the Federal Reserve. We interview Nancy Davis about an interesting new tool to manage portfolio risk.

Have you hear of using interest rate volatility as a risk management tool? We discuss this, Inflation, how to manage your fixed income exposure with low interest rates, and more.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Nancy Davis

Nancy Davis is founder of Quadratic Capital and portfolio manager of the Quadratic Interest Rate Volatility and Inflation Hedge ETF (ticker: IVOL).

Nancy Davis was named to the Barron's 100 Most Influential Women in US Finance list earlier this year and regularly appears on Bloomberg TV, CNBC and Fox Business.

Prior to founding Quadratic Capital in 2013, she spent 10 years at Goldman Sachs.

The IVOL exchange-traded fund, launched one year ago, is an actively managed ESG fixed-income ETF. IVOL invests in TIPS and fixed income options. The ETF has roughly $300 million in assets.

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Today's Panelists

Day Trading Secret #4: Master This and You Will Ensure Your Success, And It Doesn’t Come In A Black Box

Want to be a successful day trader? Think you have the chops to do it for a living?

This interview with Chris Tate gives you exactly what you need to be successful with his day trading secrets. We discuss the ins and outs of day trading for a living and the essential components for you to be successful. 

We discuss what to trade (or not to trade), why magic systems don't work, how to size your positions, basics of trading, the importance of psychology, and some of his favorite books.

This is a must listen to episode if you want to know how the sausage is made with successful traders.

"Surrender To What The Markets Give You."     - Chris Tate

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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Chris Tate

Chris Tate is one of the first people to ever release a share trading book in Australia and has had an extraordinary impact on thousands of traders. Best selling author of The Art of Trading and The Art of Options Trading in Australia, his brutally honest approach and meticulous pursuit of excellence, ensure that exceptional traders all around the world quote his market comments.

He’s been running the 6-month repeat-for-free Trading Game Mentor Program for the past 20 years, and he’s also the founder of Trading Talking, a free weekly trading podcast.

Chris has seen all types of markets, traded practically every instrument available, and shown others how to profit from every market condition. He has the skills to help you increase the probability of radically jump-starting your returns. Unlike most other trainers who teach theory only, Chris is one of the few people who truly understands what does and what doesn’t work in the sharemarket. If you’re seriously after gigantic financial breakthrough in your own sharetrading results, you need to listen to absolutely everything that Chris has to say.

With a background as an immunologist and his previous work as a bouncer, Chris's life experiences will amaze you. When he’s not hanging out with his traders, he can be seen lifting weights at the gym, enjoying yoga, and trying to get a “personal best” time on the rowing machine in his garage.

 

Chris' Online Presence:


Book References:


Today's Panelists

Homeowners Insurance Innovations – How to Save Money On Your Insurance

Have you been over paying for your homeowners insurance? 

Would you even know if you were?

We interview industry insider Sean Harper about how he is innovating the homeowners insurance industry to reduce your costs by taking a different look at how the insurance companies calculate risk. Did you know these insurance companies are using the same methods from decades ago eventhough technology has allowed them to be more efficient? 

This insider interview has given me a lot of interesting insight in an industry we don't think much about, but should.

Insight From the Front Lines: Homeowners Insurance Innovations That Will Save You Money

by Sean Harper

We’re seeing unprecedented change in channels and distribution for property insurance, thanks to advances in technology and available data. Whereas underwriting control used to determine an insurance company’s profitability, distribution and customer control are now the strongest indicators of high margins.

Fueled by the commoditization of underwriting and evolving consumer behaviors, power dynamics are changing. Traditional carriers were once the most profitable, but today, the companies that own the distribution and customer relationships come out on top.

The Commoditization of Underwriting

One major contributor in insurance carriers’ lower margins is that underwriting has been commoditized. In other words, the product is so widely available, the only real factor that matters to consumers is price.

Online aggregators allow shoppers to see prices from a range of insurers, forcing carriers to compete on price and unify rates. Online packages, default coverages, and click-to-buy experiences further help commodify insurance to the point where customers can no longer tell the difference between products, despite the company or brand behind them. Plus, insurance has to contend with industry regulations that force similar coverage offerings and definitions.

Even when carriers leverage their consumer ratings and services, differentiation is still an uphill battle.

While there’s still some room for differentiation based on location (like specializing in home insurance for Florida, which is prone to catastrophic loss) and unique offerings, safer homes could further homogenize risks.

Changing Consumer Behaviors

Insurance has long lagged behind innovation, and that makes sense – it’s a risk averse industry. But that lag has led to a decades’ long gap between customer expectations and innovation that matches it. Complicating things further, other industries’ customer-centric approaches have been changing consumers’ buying patterns, building up expectations that the insurance industry’s traditional players are not prepared to meet.

While traditional carriers have primarily focused on product, insurtech distributors have focused on customer experience – market demand, not actuaries, guide product development.

Beyond product, insurtechs are building solutions that address ongoing customer pain points. Most customers want an easy online quoting and buying experience, immediate expert and personal guidance, quick and transparent claims processes, fair claims settlements, and instant communication. By using technology, insurtechs are streamlining what were once cumbersome processes into intuitive, user-friendly experiences.

For traditional insurers, customer satisfaction continues to be one of the biggest challenges – only 40 percent of property insurance customers had a positive claims experience with their insurance company. That’s a failing grade by any standard.

Power Dynamics Are Shifting from Carriers to Distributors

Given that carriers are struggling to differentiate their products and continue to fall short of customer expectations, it’s little surprise that power is shifting toward distributors and intermediaries. Because of their innovation, reliance on technology, and direct contact with customers, they’re best poised to meet consumer needs.

It used to be very expensive to become a carrier and data was difficult to get, and those conditions allowed carriers to control the transaction and therefore two-thirds of the profits four decades ago. But now that capital is easy to get and information is readily available, distributors and service providers control the transaction and get the lion’s share (about 60 percent) of the profits.

Although carriers can see the writing on the wall, most are not equipped to implement the technology they need to sell directly to consumers; struggle to reduce costs and be more efficient; and can’t compete with insurtechs who excel at technology, direct distribution, and cost reduction.

Insurance Distributors’ Stock Prices Continue to Climb

For proof of who controls the market, look no further than the financial environment surrounding insurance distributors and marketplace innovators. Once Lemonade, a property and casualty insurtech, went public, it closed at $69.41 on its first trading day – 139.3 percent above its offering price. It was the second best-performing IPO trading debut in 2020, and that activity will only further attract investor interest in the sector.

So far in 2020, share prices rose 80.7 percent for Lemonade (a direct-to-consumer insurer), 133 percent for Goosehead (a personal lines distribution platform), and 16.5 percent for EverQuote (an online auto insurance marketplace). Compare that to traditional property-casualty insurance carriers – like Allstate, Assurant, Federated National, Horace Mann, Mercury General, Progressive, State Auto Financial, United Fire Group, and  United Insurance Holdings – whose share prices dropped 24 percent this year.

By 2022, Lemonade’s revenue is expected to grow by nearly 61 percent, Goosehead’s revenue is projected to grow by almost 45 percent, and Everquote is expected to climb by 22 percent.

Whoever Controls Distribution Wins

All signs point toward a growing market interest in efficient and effective digital interactions and transactions, which is why more insurtech MGAs and startups will continue to gravitate toward full-stack operating models. There’s more regulation to contend with, but the ability to sell directly to consumers offers more flexibility and scalability. And the trade off is worth it: the more a company controls consumer interactions, the higher its margins will be.

To combat sinking profit margins, traditional carriers will likely try to regain control over distribution, but that will have its challenges. They’ll need to create the infrastructure to support direct sales, which may require reconfiguring their channels and implementing modern technology to support it.

About the Author

Sean Harper is the CEO and co-founder of Kin Insurance, an insurance technology company and home insurance carrier built to make insurance easy, efficient, and affordable. Previously, Sean founded FeeFighters, a payments company bought by Groupon, and TSS-Radio, an ecommerce company that became an Inc. 500 fastest-growing company. Before becoming an entrepreneur, Sean was a consultant at the Boston Consulting Group and an investor at Longworth Venture Partners. He holds an AB from the University of Chicago, where he studied economics and computer science, and an MBA from the University of Chicago Booth School of Business.

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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Sean Harper

Sean Harper is the co-founder and CEO of Kin, an insurance company built  from scratch on modern tech to make it easier and more affordable to insure  a home (especially in areas prone to extreme weather). A self-proclaimed  tech geek, Sean has spent his career developing apps to revolutionize  antiquated industries. When he realized that the homeowners insurance  industry was still being managed unlike any other consumer financial  products today (relying on paperwork, legacy IT systems, and distribution  through local brokers), he saw an opportunity. Sean co-founded Kin as a tech based insurance agency in 2016, and has grown it to a fully-licensed home  insurance carrier supported by a team of over 100 employees. With a focus  on world-class customer service, insurance literacy, and smart coverage, Sean  and his team are changing the way insurance is done.

Sean's Online Presence:


Today's Panelists

Roger Ibbotson – Yale Professor Talks About the Future of Interest Rates, The Stock Market, and More

This week we interview famed Yale Professor, Roger Ibbotson about the state of the stock market, the future of interest rates, value vs growth and how to look at the allocation of bonds in your portfolio.

roger ibbotson


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Roger Ibbotson

Jeff is a multi-millionaire stock options trader and economist with nearly 20 years of experience under his belt. He failed building 4 businesses– even tried his hand as an online poker player, but learned each step of the way to becoming a multi-millionaire before the age of 35.  

Now he dabbles in virtually every aspect of the market, but has a special gift and passion for trading options and has become the #1 live-streaming stock options trainer in America. While he maintains a disciplined approach to the market, he’s also not afraid to make the big bets and swing for the fences when he thinks there’s an edge on a trade.

Raging Bull has a large following with over 2 million unique users on its website each month, a user base of over 500,000 paid and free members in their network and over 200,000 social media followers.

Roger's Online Presence & Reference Articles:


Today's First Time Panelist


Nicole Tanenbaum  |  Chequers Financial Management


Nicole Tanenbaum is the Chief Investment Strategist for Chequers Financial Management. She oversees all aspects of the investment management services offered by Chequers, from investment selection and asset allocation recommendations to portfolio implementation and oversight. Nicole has been in the investment industry for over 15 years, where she oversaw portfolio strategy and investments for ultra-high net worth clients at ICONIQ Capital, and managed portfolio analytics and investor relations for endowments and foundations at Watershed Asset Management, a $2 billion hedge fund. Additionally, Nicole’s commentary is regularly featured in the Washington Post where she provides ongoing perspective on the financial markets.

 


Today's Panelists

Learn How To Start a Fund to Grow Your Wealth

Have you ever wanted to start a fund of your own? We discuss how to start a fund with Bridger Pennington. It is a lot easier than you think, but not simple. You need to do your homework. This is a good insight into how funds work and some steps you can take to set up your own fund...


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Bridger Pennington

Bridger Pennington is the founder of Black Bridge Holdings and an investment fund that has done over 265 deals in the last 2.5 years.

 

Bridger has started helping others launch their own funds through Investment Fund Secrets, an online program to help people start investment funds without working on Wall Street or having an Ivy League degree.

 

Bridger has spoken on stage to tens of thousands of people across the United States and is on a mission to help entrepreneurs scale their businesses through launching their own funds.

Bridger's Online Presence:


Today's Panelists

The Future of Oil and Natural Gas Investing

Have you hear about the oil and gas boom going on, but are wondering why the Oil futures were actually trading for a price below $0? 

This week we interview Troy Eckard about what the future holds for oil and gas, the best ways to invest in the space and where the opportunities are for the astute investor. This is a great interview with an oil and gas insider. 

Oil and Natural Gas Investing 101: The Difference Between a Working Interest and a Mineral Interest

One thing about investing in oil and gas investments all experts can agree on is there are plenty of options available. While this is a luxury in some respects, it’s also challenging for investors to know which options to pursue. One of the most common investment strategies is investing in mineral rights. Investing in oil and gas minerals requires strategic planning and patience to maximize your return on investment. Here are some of the differences between mineral rights investing and direct oil well investing.

Investing in Oil Wells Directly

When you invest directly in an oil well, you are making what is known as a working interest investment. With this type of investment, you participate in the exploration and production of oil and gas minerals, including being responsible for the costs of every phase of production. The amount you are liable for is equal to the amount of the well you own.

One of the benefits of being a working interest owner is you own the majority of the well. You can also deduct 100% of the oil well in the first year under new tax laws. Although it may seem like you have total control of a well as a working interest owner, you’ll still be at the mercy of exploration and production companies. This is, of course, unless you as the investor wish to drill the well yourself and become the sole operator. With no prior experience, we do not consider this an option.

Investing in Mineral Rights

When you invest in mineral rights, you own the subsurface minerals. You have a significant amount of power as an oil and gas mineral interest owner, since you have the rights that multi-million and billion-dollar companies want. You don’t control any aspect of when these companies explore your minerals, but you can receive a lucrative royalty of anywhere from 10% to 25% of every barrel of oil and gas extracted. And arguably the best part about it is you aren’t on the hook for any of the exploration or production costs.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Troy Eckard

In 1985 Troy started his career as an investment broker working for a licensed firm that catered to high net worth private investors, diversifying their portfolios to include energy assets. Eckard had the desire to create a fully integrated business approach in the energy sector which lead to several other very successful operations such as; Eckard Land & Acquisition, LLC which focuses on buying, leasing and selling mineral rights. FSH Midstream, LLC which is a private LLC started by Troy who is one of four owners of a major natural gas pipeline company situated with assets in the Gulf of Mexico. Eckard Global, LLC acts as an investment project sponsor for participating in working interest drilling and production projects. Royalty Fabrication, LLC fabricates steel tanks that are used by oil and gas exploration and production companies for onsite storage of crude oil, natural gas liquids and water.

Troy's  Online Presence:


Today's Panelists

Delaware Statutory Trust (DST) Tax Advantaged Exit Strategies For Your Investments In Real Estate

Join us for another episode of Tax Loopholes of the Rich, where we discuss the Delaware Statutory Trust (DST), 1031 exchange, and more advanced tax strategies for investors who are looking at selling their assets. We discuss how to think about advanced tax strategies and what you goal "should" be. 

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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Jason Salmon

Jason brings 20 years of commercial real estate and financial advisory experience to Kay Properties and Investments. He specializes in tax-advantaged exit strategies and estate planning solutions—working with property owners on their 1031 exchange transactions. Jason has expertise in identifying real estate investments across multiple sectors and takes pride in giving clients access to opportunities via the company’s diverse platform.

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Today's Panelists

Money Honey Rachel Richards – Retire Early With Passive Income

Money Honey Rachel Richards retired at age 27 with a $15,000 per month passive income stream. Do you feel lazy yet? I know I do after hearing that. Find out how she did it and how you can too. Don't worry if you are 28, 35, or 60 years old, the principals she talks about are just as applicable at age 60 as they are at 25. Learn the secrets to her success on this week's show.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Rachel Richards

 Only 27 years old, former financial advisor Rachel Richards has made a name for herself in the personal finance realm. In 2019, Rachel quit her job and retired, with over $10,000 per month in passive income! She is the bestselling author of “Money Honey” and “Passive Income, Aggressive Retirement.” She has been featured on the Penny Hoarder and the New York Times and has been contracted to speak at colleges. Rachel is also a real estate investor with 35 rental units. Her valuable money lessons have helped thousands of millennials work their way out of financial despair. She has successfully done what no one has done before: made the topic of money management fun, entertaining, and simple!

Rachel's Online Presence:



Today's Panelists

Investing in Small Businesses For Profit

This week we interview dealmaker Carl Allen about how he has worked on over 330 transactions to acquire companies. We discuss what to look for if you are investing in small businesses, what to avoid, how to find the best deals, and how to create value instantly when you buy. Join us this week to learn how to build wealth outside of your W2 income.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest: Carl Allen

Carl Allen is a world-class entrepreneur, investor and corporate dealmaker who has worked on more than 330 transactions worth close to $48 billion. 

In his nearly 30-year career, Carl has analyzed thousands of businesses big and small in 17 different countries across nearly every business sector, including technology, pharmaceuticals, transport and logistics, engineering, manufacturing, aerospace, consumer goods and services, business services, retail, professional services, finance, packaging, and corporate clothing. 

Carl first earned his reputation during his 16 years on Wall Street working for Bank of America, Hewlett-Packard, Forrester, and Gartner. There he advised some of the world’s largest corporations on investments, mergers, acquisitions, disposals, and restructuring... and helped hundreds of business owners raise both equity and debt financing. 

Until he almost missed the birth of his second son… 

That’s when Carl quit the rat race and began brokering (and eventually buying) businesses for himself. Today he is considered one of the world’s premier experts on buying and financing small business acquisitions. 

Carl founded Dealmaker Wealth Society (formerly Ninja Acquisitions) because he believes starting a business from scratch is certifiably, BATSH*T CRAZY! He wanted to use his highly specialized skill set to help others realize their dream of self-employment didn’t have to be a long, hard, up-all-night slog with a 96% failure rate in 10-years*. 

Today he’s helping thousands of entrepreneurs all over the world buy existing, profitable small businesses that will immediately put money in their pockets. And best of all — he teaches them how to do this without using a dime of their own capital!

Carl's Online Presence:


Today's Panelists

Wall Street Banking Secret #3 Revealed… Learn How Investing In Tax Liens Get You High Yields In A Low Yield Environment

This is one of Kirk's favorite asset classes. Learn why he loves investing in tax liens and you should too.

This week we interview an industry insider, Joanne Musa, about why investing in tax liens is a secret way to wealth. We discuss where you can find the best tax liens, the best states to consider, the risks and rewards, what you need to know to be successful, and why some of the largest Wall Street banks don't want you to know about it.

Is Investing In Tax Liens Right For You?

By Joanne Musa, the Tax Lien Lady®

Investing in tax liens used to be something that only the wealthy knew about and took advantage of. For decades it was a little known, high yielding investment vehicle. All of this has changed in the past couple of decades as more and more people have become aware of the high yields and minimal risk of investing in tax lien certificates. Many have been told about the benefits of investing in tax lien certificates but are not sure if it’s really something that they can do.

Tax lien certificates are an attractive investment for the person just starting out with little to invest because you don’t need thousands of dollars to get started, and you don’t have to pay any brokerage fees. There are drawbacks, however. You almost need to be an expert to invest profitably. This is something that you need to be able to devote some time to. It’s not like you can call your broker and tell him to buy some tax liens for your portfolio.

Tax lien certificates are sold at tax sales that are conducted by a county or municipal official. These sales are usually held as auctions in most states are only once a year. There are a few states with counties that hold tax sales quarterly or even once a month. To invest successfully, you need to find out when and where these tax sales are held, research the properties in the sale, and in many states, physically attend the auction to bid on properties.

What Happens When You Purchase A Tax Lien?

Successful bidders are issued a document, either a tax sale certificate or tax deed. Sometimes the document needs to be recorded with the county clerk (in some states you do not need to record the lien). You are also responsible for maintaining accurate records and submitting the proper documents to safeguard your investment. Some states like Florida and Arizona, that have online auctions, do not issue tax lien certificates, but keep them on file in the county treasurer’s or county tax collector’s office.

If you have the time to spend investigating properties and you enjoy the challenge of learning something new, then perhaps investing in tax lien certificates could be a good way for you to grow your wealth without the typical risks of the stock market or conventional real estate investing. If, however, you don’t have the time to spend researching properties and finding out about tax sales, then this is probably not the right investment vehicle for you.

Another thing you want to consider is your location. Some states do not sell tax liens, and if you do not live in a state that has tax lien sales, you may have to spend a considerable amount of money traveling to tax sales in order to buy tax lien certificates. Although some counties have online auctions or sell tax liens through the mail, you still need to research the tax sale properties before you place a bid. If you don’t, you could end up buying a tax lien certificate on a worthless piece of property and losing money.

How To Get Started

The first thing you need to do is find out where and when the tax sale is held and get all the information you can about the tax sale.  You’ll need to get the list of properties being sold in the tax sale. You also need to know the rules and procedures for the tax sale. This is sometimes published online on the tax collectors or county treasurer’s web site. The rules and procedures for the sale are quite different for each state, and sometimes even for each county within a state. Not knowing the rules and procedures, or not following them, can cost you!

You will have to do some research on the parcels that are in the tax sale to determine which ones to bid on. You can check the tax records to find out as much information about each property as you can. There are websites like Zillow.com and Trulia.com that you can check to estimate the market value and get an idea of the neighborhood for each property that you plan to bid on. For tax deeds, you will want to do some type of title search to check for liens or judgments that might survive the tax sale. For vacant land (both liens and deeds) you’ll want to check any zoning laws to make sure that the property is buildable.

Your next step is to prepare for bidding at the tax sale. You’ll need to complete a w-9 form for tax lien and redeemable deed sales, so either have one completed and bring it with you to the sale, or have your tax ID number (social security, ITIN, or EIN #) ready. Depending on which type of tax sale (deed, lien, or redeemable deed sale) that you’re going to, you may also need to fill out a bidder information form, or an affidavit stating that you don’t owe any property tax in that taxing district.

Once you’ve done all your homework, you’re prepared to bid at the tax sale! If you need help with the steps to follow to get ready for first tax sale, or you want more information on what a tax lien is, or the difference between a tax lien, a tax deed, and a redeemable tax deed, you can get a free report on the 7 Steps to Building Your Profitable Tax Lien Portfolio..


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Joanne Musa

The problem: You want to get higher return on your money than you can in money market account or bank CD, but you don’t want to risk your savings in speculative investments, and you don’t have time for real estate investing. You want to do something with your money, but you don’t know what, so it’s just sitting in a non-performing account making next to nothing. Or maybe you have invested in speculation and lost some of your retirement funds. That's the bad news. 

But what if there was a way you could invest your money for high returns without shelling out a huge percentage of interest earned for fees, and you could do it without unnecessary risk and without tenants, toilets, termites, or negotiating deals? Here’s the good news! There is a way for you to invest your money safely for high returns... and the Tax Lien Lady, Joanne Musa, can show you how. 

In the last 10 years, Joanne Musa, known online as The Tax Lien Lady, has helped thousands of investors around the world to buy profitable tax liens and tax deeds with her step-by-step system.  

Best of all, her easy-to-implement training programs have now helped people from all walks of life take control of their financial situation and their retirement. 

Fasten your seatbelt because you are about to learn how to use a strategy for investing that has been carefully guarded by wealthy investors for decades! 

Please help me welcome Joanne Musa, the Tax Lien Lady.

Joanne's Online Presence:


Book References:


Today's Panelists