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Don’t Buy Tax Lien Certificates Until You Read This!

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Some real estate gurus make tax lien investing sound like it’s a sure thing. That you’re guaranteed to make huge interest rates and that’s it’s “government guaranteed.” Unfortunately for You, they leave out a few facts and are stretching the truth quite a bit.

First you have to understand that tax sales are auctions and in most state those extremely high interest rates are bid down to extremely low rates. Why would investors do that? It’s simple, sometimes there are other penalties that they will get should the lien redeem. In New Jersey for instance the penalty is between 2-6% depending on the amount of the lien. In Florida there is a penalty of 5%. Also once you own the lien, you can pay the subsequent taxes and get the maximum interest on that.

Secondly, you must understand that there is no guarantee that you will get paid on your lien. Of course if you don’t get paid, you can foreclose once the redemption period is over. But no one guarantees that you will be paid! What these gurus mean when they say that liens are “government guaranteed” is that the laws are on your side. If you don’t get paid you can eventually foreclose on the property. The only thing guaranteeing your investment is the property! That’s why I don’t recommend investing in liens through the mail or online. Would you buy property that you didn’t see first!

When you buy a tax certificate, even though you are not purchasing the property, there is always the chance that the lien will not redeem and you will have to foreclose on the property. What if the property is worthless? What if it is an unbuildable piece of land? Then you are stuck with a worthless piece of property that no one will want to buy from you and if you don’t continue to pay the taxes on it, it will eventually revert back to the county that sold it to you.

Yes, there are risks involved in lien investing and no, it is not a sure thing. It is however an excellent way to invest your money if you know what you are doing. If you are contemplating buying a program to learn how to invest in lien certificates or tax deeds, beware! Don’t buy an e-book, coaching program, or a course from someone who candy coats the business of investing in lien certificates and tax deeds and makes it sound like you can’t fail and there are no risks. The truth is that you can fail and there are risks to avoid. Instead buy one of these products from someone who tells you what the risks are and how to avoid them. This will give you a better chance for success in buying profitable tax lien certificates and tax deeds.

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Finance

Why Pipe Tally Books Are Necessary

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As a mainstay of interstate commerce, oil drilling, and numerous other industries, the tally book has become an indispensable part of many workman’s uniforms. The book is especially used in the field of oil exploration and drilling, requiring that it remain convenient in design and accessibility in order to achieve its user’s note keeping and measurements with the utmost of ease. Although technology has advanced in leaps and bounds to provide spreadsheets, computer programs, and other instruments that all help in the collection and storage of data, oilfield workers know that it is a dependable and trusted tool to have on the job.

The utility of a pipe tally book becomes readily apparent when something needs to be checked immediately while in the field. While the modern convenience of a computer is office appropriate, a book that can be easily stored in a person’s pocket has no parallel. Whether one is required to record drilling depths accurately, provide mud loggers and drillers with important information, or decide which drill bit is most suitable for a dig, a pipe tally book has proven its usefulness for decades.

Tally books are also being used now for a variety of purposes as well. For example, in addition to their traditional uses, they provide a convenient way to provide safety information, employee training tasks, daily work lists, and more. Never before it made so many educational uses available at a fieldworker’s fingertips.

Recently, pipe tally books have become an effective way to successfully advertise one’s company. As such, they are being made available in a variety of custom covers with personalized logos and artwork for instantly recognizable company branding. They are also offered in a variety of sizes and colors, and are also available in a triple-fold format.

Sleek, durable, and dependable, they have endured numerous changes in technology and maintained its position as one of the most important tools a worker can have in the field. When simplicity is required, and a notebook that can withstand harsh and rugged circumstances is essential, then it is just what the situation calls for.

Companies enjoy the benefit that comes with ordering customized books. With the industry bustling, drilling activity and rising to new heights, the time saved with the reorders adds another popular element to the process. Customized books give the employees exactly what they need rather than some materials that do not apply to the line of work.

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The First 4 Steps to Get Massage Therapy After a Car Accident

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When I was hit by a drunk driver, the last thing I wanted was to mess with insurance. The other guy’s insurance company was willing to pay for massage therapy. But I didn’t have the time. And as a result, I was not fully protected.

Massage Therapy is one of the most effective healing tools available. It calms the muscles and mind down after a traumatic incident. It increases blood flow to the muscles, which increases healing. A great massage therapist will ask about the accident, and learn which muscles were tightened and harmed during the accident. As a result, your body will heal. Massage Therapy is the science of healing muscle. It is the only industry focused exclusively on healing muscle tightness and soreness. Seek out a massage therapist immediately if you are in a car accident to prevent those muscles from staying tight because of whiplash or injury.

I have outlined the steps describing how to get massage therapy for a car accident (or any accident) with the other person’s insurance company paying for it. These steps are the first 4 steps you should take immediately. Within 24 hours of the accident, take these steps to protect yourself. You must act quickly, or you may forfeit your care to the insurance company’s policies. To ensure you are well, follow these 4 steps below.

1. VISIT a Doctor or Chiropractor for a Doctor’s Note

You need a doctor’s recommendation for a massage. It’s a medical recommendation, like any other activity or prescription. Schedule a single doctor’s visit, and have your doctor recommend massage therapy as treatment. If you are injured on the weekend, visit a 24 hour clinic. Any doctor can prescribe massage therapy if you ask for it. But you must ask for it.

2. TREAT Yourself Immediately

The insurance companies have a policy called having a “Gap in Care.” It means that if you are not getting your treatments consistently and immediately after the accident, then you are not really hurt. If you are going to get massage therapy to remedy accident pain, then start immediately. And don’t stop getting regular treatments until you are better. Changes to your treatment plan or providers is fine, but do NOT stop getting some sort of treatment, or the insurance companies will claim you have a “gap in care.” And they will not accept your claim.

3. BEWARE of Delayed Pain

Whiplash can show up several weeks after accident. What happens is that the body goes into hyper-protection mode, as a safety measure. It pours adrenaline, and other chemicals into your body for several weeks to protect you from hurting (so you can escape the dangerous land of other cave people, ya know, with deadly mountain lions and other creatures). Then your body starts repairing weeks later. That repair period is when the pain really start.

Often, you won’t seek immediate treatment because you feel fine, then you start feeling really bad weeks later. Continue your massage therapy treatments for at least a month to make sure you prevent serious whiplash from affecting your productivity. The insurance companies understand this too. So continue treatment for at least month. And longer if you are genuinely in pain.

4. ASK Questions of the Insurance Company

Some insurance companies pay as you go. Other insurance companies want to pay out the claim at the end of treatment. Ask them lots of questions on their process. The adjustor is simply following a set of rules. If you can learn the rules, you can make the most of the claim (and save yourself a lot of headaches). Work within the system, not against it. Some great questions include, “How does the claim process work?” “Can I get checks as I submit receipts, or do you pay out all at once towards the end.”

Regardless of what happened, everyone involved wants to see you get better fast. So act quickly. And start a consistent treatment, and continue with it, until you are better. Good luck and Feel Better!

If you know a friend who would like this article, please forward it, or submit it on Facebook, Twitter or Digg. If you have friends in Dallas / Ft Worth, Texas, forward our website to them today. We look forward to meeting you and your friends soon.

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Finance

Hazard, Risk and Insurance (Part 2)

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Every human action can cause a risk. This risk depends on a variety of actions a person does. In terms of insurance, risk is the possible loss that a person could experience and the dangers posed by the possibility of something happening but not knowing when and what will happen. To deal with these risks we need preparation and proper protection. Hence the importance of insurance more visible when a person afflicted with calamity, even if the disaster did not want every person.

Not counting how many losses to be borne by society due to the disaster happened. So be thankful, if you have take out, do not need to be confused to find money to repair damaged houses or cars that had stalled due to flooding. Simply add a claim to the insurance company, then you will get compensation.

Risk Forms

1. Pure – This forms if there will cause the loss or does not cause loss ( breakeven ). Example: Risk of Fire, Casualty Risk.

2. Speculative – That may cause the loss occurred, does not cause loss or profit ( gain ). Example: Production, Monetary ( Foreign Exchange ).

3. Fundamental – Risks in case of impact can be very large losses or catastrophic nature. Example: War, Earthquake, Air Pollution.

4. Special (particular): Risk that if it does, the impact of losses is local, not comprehensive or not catastrophic. Example: Fire, Accident, Theft.

Risk Management

1. Risk Identification

This stage is to identify the risks faced by any human being either personally or risks faced in the process of business activities.

2. Risk Evaluation

1. The frequency is rare, the impact of low loss / small
These risks need not be insured because it rarely happens, and if there is a low impact / small.

2. The frequency is rare, the impact of high losses / major.
This risk needs to be insured and insurance companies are still willing to close / cover this risk

3. Frequency is used, the impact of low loss / small.
This risk classification is identical to 1, which needs to be done is prevention so that does not happen often.

4. Frequency is used, the impact of high loss / large.
In this risk is the opposite mindset between the client and insurance companies. Customers want this risk can be insured, but insurance companies may not receive because the frequency it happened often, and the impact of losses is also high.

Risk Control

1. Financial Control

Buying protection insurance by paying an insurance premium ( Customer Transfer The Risk Of Insurance Companies ). Bear their own costs such risks, the impact of weakness if the loss is high enough to threaten the business activities.

2. Physical Control

Eliminate risk. But this is not possible because of the risk will always exist and may occur, so that needs to be done is that the risk minimization, minimize the risk by providing incident prevention equipment and complete response equipment to deal with risk.

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