How to Become an Unclaimed Money Finder

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Right now is a dynamite time to learn how to become an unclaimed money finder. Recent economic events have increased the amount of money due to ordinary citizens that's being held by the government. In many cases, if not claimed in time, this money will be lost to the government - and the biggest sums of money are those least advertised, and most in need of the intervention of an unclaimed money finder.

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The first step in learning how to become an unclaimed money finder is to learn the law. Most states limit the finder's fees an unclaimed money finder can charge to a percentage or an amount - generally 5-15%, or a dollar amount of a few thousand dollars. However, in most cases, this only applies to state funds like abandoned bank accounts, and utility deposits - funds held by the State's Unclaimed Property Division, or whatever that state's name for the agency is.

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These funds are also usually freely available for lookup on the state's website. So while that makes it easy for you to find funds, it also makes it easy for anyone else - your competition, and the owners themselves - to find. So the second step in learning how to become an unclaimed money finder is to learn which funds to work. Clearly, state funds aren't it.

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Luckily for you, due to a legal loophole, the best funds - the least publicized, the least worked by other money finders, and the biggest amounts - aren't subject to these state finder's fee limits. These funds are created from the government's sale of real estate. Specifically, the overages from tax foreclosure sale and mortgage foreclosure sale. These funds are being created at a dizzying rate, right alongside all the foreclosures you keep hearing about.

If you can find these funds, and find their owners, you're well on your way to becoming a successful unclaimed money finder. You're not subject to those finder's fee limits, so you can charge 30-50% as a contingency fee on these funds. Most importantly, these funds "escheat", meaning that if the owner doesn't collect in time, the government gets to keep the money. Thus, these owners desperately need you - even if they don't know it yet.

On real estate overages that regularly come to ,000 or more, creating a five-figure monthly income is virtually guaranteed to be possible for quite some time into the future.

How to Become an Unclaimed Money Finder

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Free Government Money For Consumer Debt Relief

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One of the most common concerns among American citizens today is consumer debt relief. With so many of us having overspent beyond the means of our budgets, and the rising amount of lay offs and pay reductions that many citizens have recently experienced, it is no surprise that this country, as a whole, is suffering from extreme personal debt.

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There is help for American taxpayers in free government debt relief grants...

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There have always been hundreds of greatly beneficial free government grant programs available to American citizens, to assist them financially in numerous endeavors and projects. As of late, the United States government has consciously recognized the rising need for consumer debt relief among American taxpayers. In efforts to support the American economy and assist those who are experiencing overwhelming burdens of personal debt, the government is now filtering additional funding into personal debt relief grants.

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What is a debt grant? Free government money to pay your bills.

Government grants are virtually free money that is distributed by the US government to qualified taxpayers who apply. There are free grant programs that cover a variety of personal and individual needs, from business grants, to real estate grants, to college grants, and many more. This free government money is never required to paid back at any time by the fortunate recipients. It is used by taxpayers to purchase homes, establish new businesses, attend school, and many other practical and beneficial purposes.

Personal debt grants are basically the same thing, except they are designed to aid in consumer debt relief by completely paying off the past due account balances and creditors of the qualified applicants. This is a much better alternative to debt consolidators because you are now relieved of paying your bills rather than just condensing them into one larger monthly payment. It is also a great alternative to bankruptcy because it will not harm your credit rating.

No matter how deep in debt you are, there is a great chance you can pull yourself completely out of it in a very short time if you qualify for government debt grants. Follow the links below to find out how much free government money can assist you in achieving consumer debt relief.

Free Government Money For Consumer Debt Relief

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Finders Fees For Real Estate Investing - A Crash Course in Real Estate Money-Finding

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If you're already a real estate investor or just looking around for good ways to make money, you may have heard of people making huge amounts of money in finders fees. "Finders fees for real estate investing" would include finders fees for things like tax and mortgage foreclosure overages, and money that's due to heirs in probate cases where real estate was left out and subsequently sold by the state.

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Basically, when more is bid for a property at auction than is due on the mortgage, or due in taxes as the case may be, the overage in most cases is due back to the owner. But as you can imagine, many times the owners just assume they've lost everything, and move on, avoiding as much contact with anyone having to do with the foreclosures as possible. Unfortunately for them, if they don't figure it out in time, the money is lost. These owners are the best to target for finders fees for real estate investing.

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Unlike other unclaimed funds that are held by the state, due to a legal loophole that few have discovered, this money is not governed by state law. This means there are no limits on what you can charge for your finders fee. People working the business currently are charging 30-50%, and their right to do so has been upheld by court cases in several states.

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Find the records of these funds, do the legwork to find their missing owners, and connect the two, and you stand to earn up to five figures per transaction. Since real estate overages frequently run into the tens of thousands of dollars, and more overages are being created every day, you could easily turn finders fees for real estate investing into a full-time, six-figure per year career.

Finders Fees For Real Estate Investing - A Crash Course in Real Estate Money-Finding

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Uncashed Checks - Get the Money Back

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Uncashed checks remain a major contributor to the hoards of unclaimed cash safeguarded by US treasurer. Current estimates project the amount to be billion. In spite of fervent efforts by the state, the cache is growing by the day and the government is finding it difficult to return the amount to its rightful owners.

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Though the campaigns run by the government have shown positive results in terms of increased awareness about the unclaimed money, it is vital to initiate preventive measures to avoid such pile up in the future and stop unclaimed cash from burgeoning further.

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Avoidance of incidents of uncashed checks is very vital in this regard. Most of these happen, especially at the time of moving from one town to another. During the transition, uncashed checks may result from:

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• Utility deposit money: Most of the Americans do not bother to collect their utility deposits while moving out of town. These deposits, which are paid to the utility service provider for starting a service, are refundable at the time of termination of the service. However, most of us do not bother to follow proper service closer procedure or wait for about a month to receive the check.

• Bank accounts: While moving out of a place we often close our bank accounts, but do not collect the check for balance amount. These checks when sent to the address in the bank records, remains undelivered and uncashed.

• Tax refunds and insurance paybacks: We also fail to inform the tax department and insurance agencies about our changed address. These checks issued by these agencies remain uncashed since they are unable to reach us. Remember to informed concerned agencies, postal departments and neighbors about your new address.

• Paychecks: Many Americans also do not bother to collect the paychecks after quitting or changing a job. Many times, we leave job halfway in the month. Paychecks for the days when we did work arrives after the month is over. But by that time, we have already left the place and checks remain uncashed.
How to get back the money?

Millions of such uncashed checks issued by various departments and agencies are laying dormant with the state treasurers. Not only the checks, but also various types of financial instruments and properties are making the government worry about its disposal.

It is for sure that American citizens must take adequate procedural precautions for further avoidance of checks going uncashed; the present focus shall lay emphasis on getting the rightful owners to claim the cash owed to them. For all the responsible citizens, there are some easy ways to find if they own uncashed checks in their name.

Citizens can contact state treasurer office of not only your present state, but also of the other state in which you have stayed any time. Also, check out for the local newspapers. The list of the unclaimed cash owners is published regularly in them. Check for your name.

However, the easiest way is to log on to an unclaimed cash searching website. Just by following a simple process of feeding your name in the site can show up if you own any unclaimed cash anywhere. Further, the site also guides in staking your claim to the cash that is rightfully yours. So, do not wait for any further, log in now.

Uncashed Checks - Get the Money Back

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US Government Could Owe You Money From Class Action Lawsuits & Investor Claim Funds

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A class action is a civil lawsuit brought on behalf of many people who have been harmed in a similar manner. Think of the movie Erin Brokovich. In the film, Erin Brokovich, played by the beautiful Julia Roberts, is the lead character in constructing a case action lawsuit case against Pacific Gas & Electric Company (PG&E). Basically, the case involved over 1,000 people in a small California town getting sick from contaminated water which was caused by part of PG&E natural case pipeline. The lawsuit settled for over 3 million and was the largest settlement ever paid in a direct action lawsuit in U.S. history. This amount then was paid out to the 1,000+ affected citizens.

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A class action cannot be persecuted unless at one person harmed by the conduct is willing to serve as a class representative, known as the lead plaintiff (i.e. Erin Brokovich). The good news is that you may still be able to recover funds from your company, even if you were not affected directly.

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The Securities Class Action Clearinghouse contains a directory of information for all things related to class action securities fraud lawsuits. This clearinghouse maintains a list of over 3,000 issuers who were part of federal class action securities fraud lawsuits since the passing of the Private Securities Litigation Reform Act in 1995. Additionally, the database includes over 32,000 litigation-related materials that were filed as part of the class action cases.

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The database list can be found here: http://securities.stanford.edu/

Once you open the database list, search for your current/former company by the first character index, then, on the next screen, select the litigation name and read through the court proceedings for the selected company. Remember that these documents could contain relevant information even if no settlement was granted by the reviewing judge. As a result, the main line you're looking for in the document is right at the top under "Conclusion." Once you determine whether there were dollar amounts won in the settlement, then it will be necessary to contact a class action lawyer to determine the validity of the lawsuit. One of the best websites regarding class action lawsuits is http://www.classactionworld.com

The site has tons of resources that can help you to locate the appropriate attorney. Their toll-free phone number is 1-800-935-7962 or you can submit a request on their site. The consultation is completely free and the attorney charges depend on the size and breadth of the class action lawsuit.

Similarly, the SEC (Securities and Exchange Commission) website also contains a list of recovered funds known as Investor Claim Funds. If there are accounts recovered by the SEC and available to investors like you, then they will be handled based on the plan approved by both the company and the SEC. You can check to see whether you also qualify for a claim fund by going to the SEC website.

The site lists those companies for which you'd qualify for a refund for these funds. Be sure to also check the archive of Investors Claims Funds Notices link at the bottom of the page for past companies. If your company appears on the list, call the SEC information line at (888) SEC-6585 for further collection instructions.

US Government Could Owe You Money From Class Action Lawsuits & Investor Claim Funds

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Where to Invest Money Now

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Where to invest money now is the question of the new decade. If you invest money safely you earn next to nothing. Invest in riskier asset classes and you may find trouble. Here we look at where to invest to make the best of it from the average investor's point of view.

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In 35 years of investing money I've never found the question of where to invest more difficult than it is now. It's a whole new frontier where interest rates are extremely low in a weak and/or uncertain economy. Let's make the best of it and look at the alternatives. For the vast majority of investors the answer to where to invest starts with mutual funds, the investment of choice offering many possibilities. We'll start with the safest funds offered.

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Money funds invest your money in safe money market securities and pay interest in the form of dividends that increases when interest rates go up and decreases when rates go down. They currently pay yields that are close to zero after expenses, reflecting the state of today's money market. Eventually interest rates will rise and make money funds more attractive. In the meantime take a look at the tax-free versions that pay interest that is free from federal income tax. Believe it or not, many of them are paying a higher dividend yield than their taxable counterparts.

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Bond funds have been the traditional answer to where to invest money to earn more interest income. That's the good news. The bad news is that, in terms of investing money and changes in interest rates, they are the flip side of money funds. Bond funds don't get more attractive as interest rates go up. Instead they lose money, and so do their investors. Here's where to invest and what to avoid in this fund category.

The objective of bond funds is higher interest income; and not big profits or capital gains that are commonly associated with stock funds. Visualize bond funds as trying to squeeze out dividend yields of 5% or so after expenses with a moderate risk vs. something like 2% or less from your local bank (with virtually no risk). When considering where to invest in bond funds the cost of investing is an important consideration. Sales charges of 4% upfront and yearly expenses of 1% or more only work to eat away a substantial portion of your total return.

Also avoid bond funds with the highest dividend yields because they tend to be risky. This includes long-term bond funds and low quality or "junk bond funds". Your best bond funds today: a mix of short-term and intermediate-term funds, of the no-load, index variety. Your risk will be lower and total cost of investing can be as little as ¼% a year with these funds. Also look into short-term, no-load, tax-exempt bond funds. Their dividends are free from federal income taxes, plus their yields can be attractive relative to their taxable counterparts as well.

The key to investing in stock funds in times of uncertainty: keep your cost of investing low and expand your horizons. Go with no-load stock index funds whenever possible. You can pay sales charges of more than 5% off the top and pay yearly expenses of over 2% a year in the wrong stock funds. Or you can pay less than ½% a year for expenses and pay nothing in sales charges. Expand your horizons by adding international equity funds and specialty funds like real estate and gold funds to your portfolio.

In their search for where to invest many investors have chosen to go with balanced funds called target retirement funds. Their appeal is that they manage your money by investing in both stocks and bonds... based on how far you are from retirement. Before investing money here look closely at both cost and risk. Notoriously, both can be higher than you might expect if you go with the wrong fund companies.

Where to Invest Money Now

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Free Grants For Single Parents

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As the cost of raising a family becomes increasingly high, grants for single parents allow individuals to obtain the money they need to not only raise their family, but to further their success in life and in the workplace. Grants for single parents are available for any US citizen over 18 years old to apply for, and they can provide thousands of dollars in free money for personal use.

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Every year the government provides billions of dollars in free grant money to help individuals, small business owners and organizations succeed. By providing this money, the government accomplishes two things. They help prevent the economy from going into a tailspin or they help move the American economy forward. For example, by providing grants for single parents to go back to school or receive professional training, they are helping those individuals advance in the workplace. That means they will be more successful, earn more money, pay more taxes, and likely raise children who will also be successful.

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Anyone can ask to receive some of this free grant money, and there are millions of Americans who are able to claim these funds for their personal use. And because these are not loans, there is no credit check, no collateral needed, and no need for a cosigner. This is money that is sent to qualified applicants that never has to be paid back. Consequently, these government grant programs are funded by American taxpaying citizens, which not only leaves you eligible to submit an application, but entitled to receive some of these funds.

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Free Grants For Single Parents

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