Secret Lottery Winning Tips

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Don't think lucky. Think smart. Some of these tips may seem obvious at first sight, but I bet you've made some of these common mistakes at one time or another.

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1. You've got to be in it to win it - OK, that's not much of a secret, but it's amazing how many people forget to enter, arrive at the terminal too late, go on holiday, or it's too cold to go out - and a whole host of other reasons. The best way to ensure continuity of entries is to join an automated system that takes care of everything for you.

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2. Make sure you claim all winnings, even the smallest. You wouldn't believe winners would fail to claim even a tenner, but they do, and doesn't your heart just ache when you hear about the thousands of pounds that go unclaimed. What was the story behind it? Did the dog eat the ticket, was it lost? Imagine the heart-ache of knowing your regular set of numbers was the winner, but you couldn't find the ticket. Again, a centralised automated system will do all this for you.

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3. Choose your numbers carefully - it's not that some sets of numbers are more likely to win than others. They're not. Each set has an equal chance. But if you choose the same numbers as many other people, should that series be drawn, you will be sharing your win with all those who chose the same number sets.

4. To maximise your winnings - you need to maximise the number of lines you buy. At one level this is obvious too, but common-sense dictates that you must stick within a budget. Buying extra tickets needn't be as expensive as you'd first think.

5. One simple way to maximise your number of lines is to join a lottery syndicate where you share in the winnings of a group of friends, but without increasing your own costs. For instance I am in one syndicate where entries start from just a tenner a quarter, and even if YOU don't win, you can win when your friends do.

6. Running a syndicate is hard work if you "do-it-yourself". Finding enough members to have a significantly better chance of winning, chasing them for money every week, replacing drop-outs, buying tickets, and dividing the winnings. Save yourself this hassle - automate it!

7. Spread your risk over different Lottery games. The syndicate I play in is so very affordable that you can do this without breaking the bank. Winning when my friends win means I can get a prize even from tickets someone else bought.

8. Minimise your cost of playing. My syndicate offers an optional way to play for free, or at least reduce the monthly cost, by introducing a few other players. Many people have no interest in this whatsoever and that's fine - but if you're playing for free and just accumulating wins, there's no reason to cancel your lottery syndicate subscription.

I hope you've found food for thought in those simple pointers.

Secret Lottery Winning Tips

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Tax Sale Overbids - Collect Them, and Earn a Six-Figure Income From Your Home Office

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Tax sale overbids - in general, people don't know what they are. In general, people haven't even heard of them! Even ask a seasoned tax sale investor what he thinks happens when you lose properties because you couldn't pay the property taxes. Just about every time he'll say that the tax sale office takes all the money bid at auction.

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Well, too bad for the owner. In about half of the tax collector offices in the U.S., that's exactly right. If you lose your property, you lose any equity you had right along with it. The government takes the tax sale overbids - every last dime of it. It's morally despicable, but government isn't friendly to the small guy. Anyone who's ever paid taxes knows that the government will take whatever money it can get regardless of whether it's fair or not.

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In the other half of U.S. counties, however, the government keeps the tax sale overbids - that is, whatever amount was bid at tax sale over the amount owed in taxes - for the owner. Seems a little bit better, right? Well, hold your horses - it's not as great as it seems. The government still takes the money if the owner doesn't come to collect it within tight window of time - usually a year.

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Here's why this doesn't make it any better: how do you think the government notifies the rightful owner? They've lost their property - the one with the address on file with the county! The government sends a notification, to notice the owner of their tax sale overbids - to the house they vacated long ago. This makes no sense.

How often do you think owners realize the money is there? How hard do you think the governmental agency is going to look for the owner, when the result is that they get to keep all the tax sale overbids that never get paid out?

Are you beginning to see a huge opportunity here?

These overbids are created at local government agencies, not at the state level, so they're not governed by state unclaimed funds finder fee law. The owners are missing. You put together the owner with his funds, that he has no clue exists, and charge a 40-50% finder's fee to collect it for him. He feels like he hit a jackpot, and your bank account is fattened to the tune of ,000 or more a month. That's if you're working, let's say, 30 hours a week on it.

It's totally legal - for now. If you want to make finder fees, get in right away before the government changes the laws.

Tax Sale Overbids - Collect Them, and Earn a Six-Figure Income From Your Home Office

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Debt Cures Book Review - Is Kevin Trudeau's Latest Book A Scam? Part 4

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Kevin Trudeau, the famous and infamous infomercial king has released a new book - Debt Cures They Don't Want You to Know About. This article will finish off my 4 part series reviewing Kevin's book and help you decide if you should spend your money on anything he has to sell.

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This article will answer all the questions about the free money from the government, the ,000 in 24 hours, etc. that many people have asked about. Let's get started.

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Last time, I left off on chapter 21. Chapter 21 is called Rebuilding Credit. This chapter offers several tips and options available to you to rebuild your bad credit. The first method he talks about is piggybacking. The basic idea of piggybacking is someone with a good credit score adds you as an authorized user to their account and their good credit history gets reflected on your credit report boosting your score. Unfortunately FICO has decided that they will not allow this method to affect your credit score anymore. This hurts kids on their parent's credit cards in addition to people looking to boost their credit score for a major purchase.

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KT offers tips to rebuild your credit include getting a co-signer on a loan, taking out and installment loan, and getting a secured credit card. He has a few tips for college students who are a favorite target of the credit card companies.

Chapter 22 - Building more wealth.

Here, we get a better idea of what Trudeau means by building wealth. "Every step you take to reduce or eliminate your debt is a step towards building wealth." I would have to agree. The idea is a penny saved is a penny earned. It is not new but it makes a lot of sense. The less you pay to the credit card companies, the more you have to save for more important things. It is hard to save or invest for your retirement if all you're worried about is paying off your credit card debt.

Kevin talks about the differences between investing in depreciable assets - cars, TVs, clothes - and assets that increase in value over time - real estate, stocks, bonds, art, etc.

He mentions starting a corporation for your new business to get access to large credit lines and to leverage that credit line into good appreciating assets. Since this is a book about "Debt Cures," the specifics about how to do this are not covered.

"How to get ,000 in 24 hours"

This is a question several people have asked. The answer is - BORROW IT. He tells you about all the options you have for borrowing or finding money - home equity loan, friends, family, etc. Borrowing from friends and family is cheaper in terms of costs but it does have its other potential downsides so be careful. He also mentions searching unclaimed funds, he says it is one source that many people have found money.

Trudeau finishes the chapter off with some good business tips and making money with your own business as an entrepreneur. The main point is to find out what the demand is than fill it, not the other way around. So instead of building a better mouse trap, find out what the market wants first and then give it to them.

Chapter 23 - Free Money!

KT talks about all the sources of free money from the government and private organizations you can get. Grants.gov is one of his first sites he recommends. You have to take the time to fill out the application forms and make the phone calls to get the money. He also talks about getting money from the Small Business Administration (SBA). Over 1 million people each year get free money and cheap loans from the government. Put in the legwork and you could get some. Many of the grant programs have to be used for a specific purpose not just to do with as you please.

One program that I found interesting was the Individual Development Account program. It's like a 401K where the government and a private group will match your savings dollar for dollar up to a certain amount. You put in a dollar and they put in a dollar each - so you've tripled your savings just like that. The money can be used to buy a house, go to school, or start a business. Read more at http://www.idanetwork.org

College students - make sure you apply for Pell grants and other Federal grants instead of borrowing and burdening yourself with way too many student loans that can and will take years to pay off.

Chapter 24 - The Conclusion. A short two page chapter encouraging you to take action. Then he offers links to many of his sources and a couple sample letters to send to debt collectors and a sample balance sheet and income statement.

That's it. That is Debt Cures. All in all, I would have to give Kevin Trudeau's latest book a passing grade despite the hassle of ordering it. If you use just one of these tips in here, you will have more than paid for the cost of the book. Since we are talking about big amounts of money when we are talking about debt, savings of a few percentage points on your credit card interest rates or negotiating your debt lower can save you thousands of dollars. And that is what makes buying a book like Debt Cures worth it.

If you have questions about the review or about "Debt Cures They Don't Want You to Know About", you can post them on the comments section of my Debt Cures Reviews website and I will get to them as soon as I can.

Debt Cures Book Review - Is Kevin Trudeau's Latest Book A Scam? Part 4

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What Are the Best States For Tax Sale Overages?

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It may sound like an obvious answer, but the best states for tax sale overages are ones that actually have them. Did you know that in about half of the states in the U.S., when more is bid at tax sale than is owed in back taxes, the overage escheats immediately to the government? In the rest, the tax sale overages are held for at the very least six months for the owner to collect. A few states hold these overages indefinitely.

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Other than that, there really are no "best states for tax sale overages." Customs, restrictions, and accessibility to records vary county by county, state by state. Some states, such as Arizona, Texas, and North Carolina, have limits on what you can charge as a finder's fee. Florida also requires certain credentials, in some cases. However, since you don't have to live in the state you're working, if you're from Arizona, Texas, Florida, or North Carolina, don't fret.

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When you go to choose a state to work in, examine the state's code carefully. What restrictions do they have on money finders? How long are the tax sale overages held before they escheat? What kind of access does the public have to records of these funds? Can you communicate by email? Do they legally have to send you records by email? How long do they have to respond to public records requests? These are all questions that will help you determine which are the best states for tax sale overages for you personally.

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Some states make it especially hard to find records, and owner information. Before you decide that those aren't the best states for tax sale overages, consider this: if the states are making it hard to work, how many other people do you think put in the time and effort to work there? If you are persistent, you'll often find that hard states to work are the best, because of all the untouched overages you'll find there.

What Are the Best States For Tax Sale Overages?

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How to Search For Unclaimed Money For Free

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You will be surprised to find that you can find unclaimed cash for free! Out in the economy, there is unclaimed cash and property just waiting to be claimed. This property and cash is a result of forgotten accounts (checking or savings), credits left over from mortgage payoffs, and undelivered tax refunds that many citizens have completely forgotten about.

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Because many of us are so involved in our daily grind, we forget about some aspects in our finances that are claimable. This kind of money makes great free money for school or free money to pay bills all we have to do is to search for unclaimed money for free! Don't believe in websites that ask you for a fee to look for unclaimed cash, because you can find them yourself by searching for it yourself. It's a great way of finding out if you have money from the government and basically free money for the asking floating out there that you don't know about. You never know, you might find cash and property for yourself, or if you find free money for free that may belong to people you know like friends and family. This way, you can help them claim and search for unclaimed money for free to help them out in their own financial situations.

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Do a simple search for unclaimed cash for free at your own state's Unclaimed Property Division. A great tip is to do a search for unclaimed money for free at every state that you have ever lived in. Also do a search for unclaimed money for free by using your married as well as maiden name, to cover all bases and finally getting some extra free money to pay bills or money for school fees!

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How to Search For Unclaimed Money For Free

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Get a Free Home Grant Fast

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If you have ever considered applying for government home grants to purchase property, there is no better time than now to pursue your goals and ideas, and get a hold of some free government money to do it with. Today there are a great number of reasons to take quick action when pondering whether or not you may advantage from this type of government financial aid. You most likely can, and here are a few of the reasons why it is pertinent that you begin now.

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While the government has been providing American citizens with billions of dollars in home grants and various other grants for real estate for decades, this type of financial assistance had been previously overlooked by thousands of eligible recipients each and every year. Assume ably because government grant programs are rarely, if ever, advertised to the general public, and in past times of stronger national economy, people just didn't need them. For years, taxpaying American citizens who were rightfully entitled to receive generous awards in home grants surpassed millions of dollars in free unclaimed government money.

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This is not such the case in today's society. With the economy having suffered so immensely over the past few years, and so very many citizens who have barely endured financial setbacks of the utmost magnitudes struggling to avoid foreclosures, or scrambling to scrape up enough money to buy a home now while the prices are low, government home grants are being applied for at an astronomically increasing rate. Ironically, the hardest of times in this country are proving the best of times to invest in real estate, and obtain free government money to do it.

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For some, advantaging government home grants can be the boost that allows them to pay back taxes or mortgages to avoid foreclosures and keep their homes. Others will acquire first time home buyer grants to purchase a first home now, while prices are staggeringly low, that they otherwise couldn't afford at actual market value. And the most resourceful and business minded of recipients will be acquiring as many grants for buying real estate as they can get their hands on to capitalize on the misfortunes, and endeavors, of the above mentioned applicants.

Now matter how you slice it, people are applying more and more for government home grants, most of them are qualifying, and all of them are benefiting, big time. This type of free financial aid would on it's own be a blessing to all qualified applicants, but adding to this the fact that you can literally get steal on property right now, makes it twice as sweet. Government grants are no longer a well kept secret. Now that people need them, they are locating them, and the money can only go so far, and it can't be long until the overflow of applications begins to prolong the acceptance process. Act now, to receive your share of free unclaimed government money before you miss out.

Get a Free Home Grant Fast

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Unclaimed Money

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Throughout the United States, people are discovering lost stashes of money they didn't know existed.

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No, it's not from cleaning out their attics or up-ending their mattresses. It's actually from the government- money in the form of unclaimed money and property. And there are billions of dollars of it is still to be returned. The latest estimates have been Billion dollars nationwide.

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For years, talkshows have featured episodes entirely on unclaimed money. NBC's Katie Couric recently reported in the Today Show, there were billions of dollars in lost assets with the US government including million in uncashed refund checks held by the IRS. Oprah Winfrey was even able to reunite some members of her studio audience with thousands of dollars of unclaimed money after doing an on-the-spot search. Oprah noted 7 out of 10 Americans may be due a claim.

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How does this happen? This question appears to be the most common question and the biggest reason many Americans remain skeptical and never search.

When people move or get a new job, get married or pass-away, they tend to lose track of financial assets like bank accounts, tax returns, checks, stocks, bonds, etc. These assets are turned over to the state as required by escheat rules which state that (according to Wikipedia) "when an entity (such as a bank) holds money or property (such as an account in that bank) and the property goes unclaimed. In many jurisdictions, if the owner cannot be located, such property can be escheated to the government." The period that banks and businesses can hold-on to these assets before turning them over is called the 'dormancy period' (the average is 3-5 years) and it varies from state to state. These lost assets go into each state's unclaimed property fund where they stay until their rightful owners show-up. There is generally no time limit (Idaho is an exception with 10 years) as to how long these assets are claimed- as long as the identity of the claimant and the validity of the claim is established.

In an effort to locate rightful owners of money owed, the Unclaimed Property Division in the states' Treasury Departments have outreach programs, but only a small fraction of unclaimed money they are suppose to return is successfully reunited with its rightful owners. This is due to a lack of manpower and no centralized government unclaimed property database.

State Treasurers urge all residents to check if their names are on the list of unclaimed property owners. These are published annually in government websites, newspapers and public places like state fairs. Most are surprised at the names which turn-up on the unclaimed lists. Brad Pitt, Angelina Jolie, Demi Moore, even New York Mayor Michael Bloomberg were on lists of people who were owed unclaimed property or money. And to think these people aren't even difficult to locate.

With millions added every year to the unclaimed money fund, American citizens are encouraged to conduct an unclaimed property search in every state they have ever lived or worked.

The process of searching for unclaimed property and unclaimed money databases can be as simple as entering one's name in a search box. If the results show that you are on the list, an on-line claim form is usually available online to verify you are indeed the rightful owner.

WARNING: Many unclaimed money sites entice you with supposed "free" searches, and if a match is made will request payment to access the database. Considering you need to search at least once per year, this method could get costly. Unclaimed money expert Russ Johnson, of UnclaimedMoney.net does not charge on a per search basis and offers lifetime access. Russ says "say goodbye to those blood sucking unclaimed money websites! Utilize lifetime access sites and never pay for access again. Most of these databases are misleading, outdated and almost always containing only a small fraction of actual claims.

Unclaimed Money

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