Dealing With The Loss of My Mother

dealing with the loss of my motherThis post is a little different – it’s personal. It’s about the loss of my mother, Carol Ann Caivano. Someone who was very special to me and to so many others.  I feel so blessed and fortunate to have such a wonderful mother. I always felt that my mother was a living saint. At least I knew she was a better person than I.

After her passing so many of my extended family and her friends came to pay their respects. They said such nice things about her. I was really touched by a tribute on Facebook from one of her good friends. You can read it at https://www.facebook.com/Taxlienlady/posts/10227166680616637

Declining Health

Mom’s health had been declining these last couple of years. I didn’t even know the extent of all her ailments. My sisters did. One of my sisters took her to all of her doctor’s appointments. And she had all kinds of specialists for her various ailments. There was something wrong with her heart. I’m not sure what exactly and she also was low on Oxygen and iron. These last few months she was on oxygen and when she went anywhere she was in a wheel chair.

About a month ago, right before her 83rd birthday, she contracted COVID along with my Dad, and my sister. Who, by the way, were all fully vaccinated. She wound up in the hospital with pneumonia, and then contracted an infection while in the hospital. The worst part was that none of us could see her because she was in a COVID ward. Through it all Mom kept her sense of humor, but she couldn’t stand not being able to see her family. We had zoom calls with her every day, but it wasn’t the same. She beat COVID and pneumonia and was moved to another wing in the hospital where we could visit.

Even though she beat COVID and pneumonia, she still had all her other health problems and now now her kidneys were failing and she was very week. She was released from the hospital to hospice care at home. We didn’t know how much time she had left, and she needed round the clock care.

Last days with Mom

She came home late Wednesday night on February 9. We all  got to see her and spend some time with her on Thursday, Friday and Saturday. She passed away at 1:55am Sunday morning, February 13, 2022. The day before Valentines Day – her favorite holiday. She always did something special for each of her kids and grandkids on Valentine’s Day. The last time I saw her was Saturday night when I kissed her goodbye and told her I was coming back the next day.

She was in pain those last few days and was on morphine. Most of the time she was sleeping due to the morphine. But when she did open her eyes she was coherent and knew who everybody was. On Saturday I read to her from the book Revelations From Heaven by Randy Kay. I had listened to the audio version of this book and I wrote about it in the January issue of the Tax Lien Tips Newsletter. The book tells about the near death experience (NDE) of pastor Randy Kay. Pastor Kay was dead for 30 minutes in the hospital before he was resuscitated, and he tells about what he experienced in heaven.

I was reading that book to my mother because I didn’t want her to be afraid of dying. I’ve read the accounts of a few people – learned people, including an orthopedic surgeon and a brain surgeon, who died and came back to tell about it. No one who has ever had one of these experiences has wanted to come back. In fact some of them have suffered a bout of depression after being revived because they wanted to stay in heaven!

Dealing with the Loss of my mother

We had a beautiful funeral service for her on Thursday February 17, 2022. I had the privilege of picking out the readings and the music for her funeral mass, while my youngest sister with the help of a cousin did everything else. The priest, who had known her for years, gave a very wonderful homily and tribute to my mom. Yes I miss her, but I am so happy for her because I know for certain that she is with Jesus in heaven now. She is no longer in pain, no longer suffering and is happier than she has ever been because she is home with the LORD.

So many of my friends have offered their condolences, and I thank them for that. But the truth is I am good, I am better than good. I have a peace that surpasses human understanding and a joy that I cannot explain. As the well known hymn states, “All is well, all is well with my soul.” That is not one of the hymn that we sang at my mothers funeral service. But it comes to mind now because that hymn was written by Horatio Spafford. He wrote it after losing his four daughters in the tragic sinking of the last transatlantic voyage of the S. S. Ville Du Havre on it’s way from New York to the Normandy region of France.

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Arizona Tax Sale Results and Upcoming Online Tax Sales

 

Arizona tax sale results

Interested in the Arizona tax sale results from this year’s tax sales?

Why were there so many bids at zero percent?

There are only two reasons that I could think of and that’s what I discussed in this week’s Investing For Success Saturday audio message. That and what online tax sales are coming up in the next few weeks. There are deed sales, lien sales and even redeemable deed sales coming up online all over the country. And I think I mentioned all of the states or at least most of the states that have online tax sales in the coming weeks.

Listen to the audio to find out more about the Arizona tax sale results and about what tax sales are coming up around the country.

And if you want to find out how to work with me to find the best place for you to invest and get access to the tools, resources, and education to help you succeed in buying profitable tax liens or tax deeds…Then fill in the form at https://taxlienlady.com/mentoring-application.

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Tax Sale Success Starts Here…

Tax Sale Success Starts Here

Do you want to have Tax Sale Success?

Many are now aware or have heard that investing in tax liens can yield high single digit or double digit returns on your money. At least you can double or triple what you can get in a bank CD. So why aren’t more people investing in tax liens?

There are 2 reasons why I believe that investors, once they find out about tax lien investing, don’t get involved. The first is that they just don’t know how. They don’t know where and when to find these tax lien auctions and how to register and bid at these sales. They don’t know how to get started.

But the biggest thing that holds people back from investing in tax liens is that they don’t know how to choose the right properties to bid on. They are afraid that they’ll lose money if they buy liens on properties that don’t have much value and won’t redeem. They’re afraid that they’ll get stuck with a property they don’t want.

They know that it’s important to do their due diligence on tax sale properties, but they don’t know how. Most people think that tax sale success starts with researching the properties and picking the right properties to bid on. But that is not where you need to start in order to be a successful tax lien investor.

Tax Sale Success Starts With This

You have to start by picking the right tax sale to bid at in the first place. Here’s why…

Some tax sales just aren’t worth going to. Either there is not enough good parcels in the tax sale, or the bidding is so competitive that it’s impossible to get a good deal. Or in some cases the procedures or rules for the tax sale make it hard for the investor to make money. This can happen when extra fees are charged by the county or the online bidding platform that conducts the sale.

The best way to start is by thoroughly reviewing the tax sale procedures, terms and conditions, so that you know the rights and responsibilities of the investor. It’s also really helpful to review the results of previous tax sales for the auction that you plan on bidding in. That way you can look for patterns such as:

  • What has the ratio of bidders to properties in the sale been in past tax sales
  • What is the average interest rate bid on for the type of properties that you want to bid on
  • If premium is bid, what was the average LTV (loan to value)
  • How many bidders typically bid on the type of property you’re interested in

You might want to look for property types that were not bid as competitively and had less bidders.

Here’s What To Look For…

I like to target tax sales that are in out of the way places, not near major cities where everyone wants to live and property values are high. At the same time, I don’t want to invest in depressed areas where property values are extremely low. I look for a sweet spot where I’m far enough from major cities but not too far from jobs and property values are good but not too high.

I also look at the amount of tax liens or redeemable deeds that are n the sale. If I’m going to a tax sale that I have to attend live. I’m looking for a sale that all of the institutional investors might pass up because they don’t have any big liens in the sale, or don’t have enough properties in the sale. If I’m bidding at an online tax sale I want to make target tax sales that have a bigger inventory.

Have Questions?

If you have questions about how to pick the right tax sale to bid at, or how to find out what tax sales are coming up around the country and which are the better ones to invest in, then check out my Tax Sale Success Workshop.

 

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Now is the Best Time For Tax Lien Sales in New Jersey

Now is the best time to go to tax lien sales in New Jersey! Especially if you want to finish the year strong and start the new year with some profitable tax liens!

Why is now a good time for tax lien sales in New Jersey? 

It’s the end of the year and the holiday season, and one of the busiest months for tax sales in New Jersey. There are over 550 municipalities in New Jersey. Each municipality has a tax lien sale once a year. Some municipalities are on a fiscal year ending in June, while some are on a calendar year ending in December. So June and December are the busiest months for tax lien sales.

Furthermore, some of the smaller and medium sized institutional investors are running low on funds towards the end of the month. And now is also the holiday season. Some bidders for the larger fund companies may take off at this time of year, leaving them shorthanded to attend all of the sales. Especially when there are a few tax sales on the same day, all at the same time. I’ll even take some time off from going to tax sales from now until the end of the year.

Can you still get profitable tax liens in New Jersey?

Yes you can still get very profitable tax lien at New Jersey tax sales, especially if you attend the live tax sales this time of year. You can get some tips about how to invest successfully at tax lien sales read the article Where You Invest Matters.

The best way to get more tips and training about how to invest successfully in tax liens or tax deeds is to become a member of the Tax Lien Profits Accelerator™. Inside the Tax Lien Profits Accelerator™, you’ll get access to all of the workshops we do at TaxLienLady.com®, most of our courses, and you’ll get access to Tax Sale Finders. With Tax Sale Finders, you’ll be able to see what tax lien and tax deed sales are coming up across the country. You’ll also be able to look at the properties in the tax sale, making your due diligence a breeze. Plus, you’ll get access to all our Tax Sale Success Masterclasses and Workshops.

Find out about everything you get in the Tax Lien Profits Accelerator™ at https://TaxLienLady.com/membership

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Want to Invest Successfully in Tax Liens? Where You Invest Matters…

If you want to invest successfully in tax liens or tax deeds, then where you invest makes a difference. Where you invest can make the difference between being successful and being shut out by the competition. Or it could make the difference between getting liens at great interest rates and liens that cost you money.

Why Where You Invest Matters

Recently I went to a tax sale in New Jersey where I was able to get 9 tax liens, and 6 of them where at 18%. If you’ve been to tax sales in New Jersey, you know that most of them are very competitive. So what’s my strategy? As I’ve mentioned in other articles, I like to target out of the way places. Areas that are rural and at least an hour away from major cities.

What Else To Look For to Invest Successfully in Tax Liens

I also like to go to sales on days that there are a few tax sales on the same day, the more the merrier. Why? Because some of the big fund companies don’t have enough bidders to cover all the tax sales. And if there are a few on the same day, they are likely to attend the sales with larger tax liens and more tax lien available. So I also like the tax sales that don’t have any really large liens (over $10,000) and that don’t have a lot of liens available in the auction.

I also target properties that not everyone else is after. If you bid on only residential properties, you are likely to get outbid by the competition every time. The trick is to look for the right type of properties. Properties that some of the big players don’t want but are  either likely to redeem or be easy to sell. All of the liens that I got at the tax sale I mentioned are on vacant land. They are all residential building lots that have great valuation.

One More Thing To Look Out For

There is one more thing that you want to keep in mind, especially if you are doing the online tax sales and don’t really know the area. Some cities in New Jersey (and this goes for other states as well) have very high crime. There are good and bad areas in every city, but if you don’t know the area and that city has high crime rates, you don’t want to invest there. Property values will be low in the high crime areas. And if you do get the property it will not be easy to sell.

More Tips and Training on How to Invest Successfully in Tax Liens?

The best way to get more tips and training about how to invest successfully in tax lien or tax deeds is to become a member of the Tax Lien Profits Accelerator™. Inside the Tax Lien Profits Accelerator™ you’ll get access to all of the workshops we do at TaxLienLady.com® most of our courses, and you’ll get access to Tax Sale Finders. With Tax Sale Finders, you’ll be able to see what tax lien and tax deed sales are coming up across the country. You’ll also be able to look at the properties in the tax sale, and get 50 property reports a month, making your due diligence a breeze. Plus you’ll get access to all of our Wealth Building Webinars and our monthly group coaching call.

Find out about everything you get in the Tax Lien Profits Accelerator™ at https://TaxLienLady.com/membership

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