Mesothelioma Lawsuit

People suffering from Mesothelioma are provided with the legal right by Maryland law to file a Mesothelioma lawsuit. Mesothelioma is a rare cancer that happens because of asbestos exposure. You are much more susceptible to this illness if you’ve worked wherever the chance of inhaling asbestos debris was high. For those who have been diagnosed with Mesothelioma, you may get compensation from the celebration accountable for your publicity to asbestos by way of a Mesothelioma lawsuit.

Mesothelioma is a critical disease; oftentimes generating its presence felt 20 or thirty years following exposure. You would like to commence the healthcare treatment immediately in order have more than a one year|twelve months survival rate. When submitting Georgia Mesothelioma lawsuits, you should have a correct comprehending of all of the intricacies which are associated with filing lawsuits. Make sure you employ a qualified and skilled Mesothelioma lawyer because only then are you able to attain success in your lawsuit.

Mesothelioma, the disease of mesothelium, is a painful one mingled with costly treatment. Mesothelium is the overlaying made across the heart, lungs and different essential organ of human body. It protects the organs from injury when beating towards the body wall. Generally in case of involuntary muscles in human body, as located in heart, stomach, lungs etc, the mesothelium performs essential role.

In the course of respiration system the air is taken in, get purified in lungs and once again the contaminated blood filled with carbon-di-oxide is taken out. In the course of the mentioned purification process if any small or even microscopic particles are inhaled unexpectedly then those debris can’t come out effortlessly from lungs and linger caught within the mesothelium. If such particles debris get accrued in big quantity in lungs, then it causes a lot kind of lungs related or cardio-thoracic problems. In numerous cases it eventually results in cancer, known as mesothelioma.

Mesothelioma is a infrequent cancer kind that occurs because of asbestos exposure. It’s got an effect on the liner of the lungs and abdominal cavity. Mesothelioma is a deadly illness with a mean survival time of simply twelve months following diagnosis. Your survival rate may easily increase if it is diagnosed early. Mesothelioma litigations in Baltimore offer you an opportunity to file a case against a party that’s accountable on your situation.

No just one expects go to hospital following working with a firm that use asbestos within the manufacturing process. No one wish to handle an expensive lawyer in courtroom as it will take time, energy, productiveness time, not pointed out losses in all probability that would make employee pay additional money to organization who employ their situation much more over whether it is associated with Asbestos mesothelioma case before the courts claim.

Mesothelioma is a malignant tumor of the mesothelium the result of publicity to asbestos fibers. There is several fundamental details just one ought to be mindful of if he is thinking about pursuing an asbestos mesothelioma lawsuit. Previous to pursuing a lawsuit, he ought to search advice from a respectable mesothelioma lawyer for a better comprehension of mesothelioma law. A mesothelioma lawsuit give you just one with enough compensation that will assist cover his legal, medical, and on-going bills related to the mesothelioma cancer.

Federal US entitles people identified with mesothelioma to file a lawsuit against the errant company or companies. Mesothelioma, being a deadly sort of cancer, ruins the prospects of victims and their families. This efficiently signifies that mesothelioma lawsuits are essential something that may mitigate the sufferings of the family

In the past, as a consequence of being exposed to an asbestos material, there have been circumstances when the mesothelioma melanoma sufferers have gotten thousands in reparation for their cancer diagnosis. Lately, mesothelioma lawsuits help those who have become unwell with this cancer by supplying a array of reimbursements. Several of those litigations have answered people who have been in touch with asbestos linked substances at their workplace, and corporations are obliged to pay damages to their existing or former staff members for non-disclosure of the hazard entailed in touching asbestos and linked materials.

Some fundamental elements must be taken under consideration by victims discovered to endure mesothelioma cancer and are capable of file a mesothelioma lawsuit.

What are mesothelioma lawsuits and just how do they arise?

$5 million continues to be recovered from your mesothelioma litigation filed on behalf of a 70-year-old man who passed faraway from malignant mesothelioma. The man was exposed to mesothelioma causing asbestos at work. His profession called for fitting asbestos that contains ceiling tiles. He breathed in asbestos fibers launched by the tiles everyday. The fibers have been launched whenever he reduce and in good shape the tiles. In addition, he was also exposed to asbestos from working alongside drywall installers who produced asbestos dust from using only asbestos that contains joint compound.

Is mesothelioma curable? The straight answer to this query is ‘No’. Well, you will find drugs and treatments that assist in easing the pain sensation and should aid to extend life, however these remedies aren’t sufficient to save life. Mesothelium refers back to the wrapping structure of nearly all of the bodily organs in our system and mesothelioma is the cancer that occurs in mesothelium.

It has been reported that deaths attributable to mesothelioma cancer in England is increasing. According to at least one estimate, 2,249 men and women died from malignant mesothelioma in 2008 whereas 2,156 died from the sickness in From 2006 to 2008, northeastern England was the geographic area with the very best incidence of mesothelioma deaths. The male demise rate was 1 per million. Southeastern England adopted having a male death rate of 74 deaths per million people.

The asbestos cancer mesothelioma is a threat to the lives of many Navy veterans. This really is as the Navy used asbestos-containing items extensively. Several instances of asbestos-containing goods are gaskets, adhesives, cables and valves. The areas of a ship wherever asbestos may have been present are several and take on boiler rooms, mess halls, engine rooms and navigation rooms. Ships involve a too high risk of asbestos exposure due to many areas on board ships are closed, which means that asbestos fibers can’t escape. As such, asbestos fibers on board a ship are likely to dealt with by ship personnel.

You or a loved just one has just been diagnosed with Mesothelioma. Your mind and emotions are on a curler coaster ride, not understanding much if anything about this deadly cancer, and never knowing wherever to show for Mesothelioma monetary help. There is assist in the storm. Listed here are many methods to locate Mesothelioma monetary aid whenever you require it after being diagnosed with Mesothelioma.

Mesothelioma is a deadly cancer that’s the result of exposure to asbestos fibers, and this cancer can cut lifespan to a point of months from the onset of symptoms. Over recent years, the amount of mesothelioma instances coming to light has risen quite dramatically, as well as in line with this, the amount of mesothelioma litigations being filed has also increased. Due to mesothelioma lawsuits became such huge business, a lot law firms and lawyers now specialize during this area, generating it simpler for all those affected by this disease to obtain the legal assistance they have to file a mesothelioma lawsuit.

A diagnosis of mesothelioma because of industrial asbestos exposure may be daunting, both emotionally and logistically. A myriad of questions show up that may appear at initial difficult to locate answers for. This article serves as a guide to those most-often requested questions regarding mesothelioma and submitting a litigation coping with mesothelioma.

Windmills in the Ocean

Serious discussions and negotiations have been taking place regarding the possibility of constructing windmills off of the coasts of the States of Delaware and Maryland. During the warmer months of the year, this resort area blossoms in population to nearly 500,000 people and efforts in Ocean City, MD through conventions and festivals have made it nearly a year round destination.

With these big crowds coming the need for lots of electrical power and the question of how to supply it. Recent attempts to construct windmills atop of some Western Maryland's mountains failed mainly because the huge structures would be an eyesore to the current beautiful views.

The windmills which are being contemplated for the ocean waters would be nearly 25 stories tall. It is likely that they would be located at least 3 miles off shore where federal waters begin, but more likely would be closer to 12 miles off shore to keep them out of view. The trade off would be a higher cost for the additional cabling required to go the extra distance out to sea, however, this would then have minimum impact on the main reason why people flock to this region, which is, of course, the sand, the surf, and the sun.

The governors of Maryland and Delaware support the idea as do government representatives of Ocean City, provided the windmills are out of sight. However, also, to be considered is the environment and how these structures might impact the ocean wildlife. Practical knowledge does exist regarding the potential impact, because windmills have been used off of the coasts of England and Belgium for several years with no significant impact on the environment.

With a free and plentiful supply of wind which should not effect industry or property values ​​it sounds like a winning scenario for many people. And who knows maybe these giant fans could be cranked up in reverse to blow hurricanes off shore or to increase the wave size to allow for great surfing opportunities. . . or not.

Becoming a Foreclosure Consultant

A foreclosure consultant is a professional that offers to help you resolve you foreclosure problems. They can do this in several ways, which include:

• Postponing or stopping the foreclosure sale
• Getting the homeowner a forbearance, which is when the foreclosure consultant gets the homeowners mortgage payments postponed for a short period of time or getting the payments lowered
• Getting the homeowner an extension of time to reinstate their mortgage, which involves giving them time to pay off past due amounts and bringing their mortgage current.
• Getting a waiver of an acceleration clause in their mortgage. This clause is what gives the bank the right to demand in full the immediate payment right after the homeowner defaults on the mortgage
• Helps the homeowner get an advance of funds or a loan to help pay on the mortgage
• Helps the homeowner avoid seriously hurting their credit rating,

To become a foreclosure consultant you have to become an attorney or apply for a government license. The professional requirements vary but generally the government will require that they register with the attorney general or a department of justice after they have fulfilled the training requirements. There are two types possible license. If you want to become a foreclosure specialist for an established agency you would have to have an associate's license, also known as an agent's license. If you want to be self-employed and have your own foreclosure consultancy business you would need an independent license.

The application process to get your license to become a foreclosure consultant intentions:

• Undergoing pre-licensed training, which is about fifteen to twenty-five hours of in-person or online instruction that is specified by the local attorneys general.
• Paying licensing fees
• Becoming bonded
• Submitting a completed application that includes your background information, business details if starting your own foreclosure consultancy business, and any other qualifications like experience in mortgage lending or real estate.

In some cases you may also have to take a licensing exam. Once you receive your license you will need to register with the local government before you can begin practicing as a financial consultant. Usually the licenses expire after twelve months so you will have to complete continuing education and pay a fee to have them renewed. You will also have to submit a financial statement prepared by a certified accountant to the government. The foreclosure consultant will also need to set up a trust account to hold any money that is being transferred between the lenders and homeowners. If you have an independent license you will have to review the actions of any employees or associates each quarter. Those with an independent license must also obtain a bond for their services.

Are House Cleaning Services Expensive?

For some strange reason most of us think that house cleaning services Maryland are very expensive. Based on this presumption which we do not bother to verify, we spend our precious weekends on brushing, mopping and cleaning. If only we knew that housekeeping services are not as expensive as we thought we could have had much more fun on weekends.

When you want to hire a housekeeping service Maryland based company, just do not hire the first company that you come across. Do a little bit of groundwork before you hire your housekeeping company. Check with your friends if any of them is using housekeeping services and how much they pay for the regular house cleaning jobs like window cleaning, deep carpet cleaning, move in cleaning, move out cleaning, post construction cleaning etc.

After making a quick survey with your friends try to find cleaning services Maryland companies through online search and get price estimates from four to five companies so that you will understand how housekeeping pricing works. Normally the cost is worked out based on the area to be covered. Check with the cleaning services company wherever you need to commit for long term contracts or whether they will accept one time services too. It is better to go with companies that offer one time services because this will give you a chance to try their services including the quality of the service before committing to long term contracts. If you sign up for long term contracts you will be able to get better rates, do check with them for any discounts that they may have for signing up annual contracts with them. Always remember to ask for a discount because some companies will offer discounts only when asked and there are some companies that give discounts just because you have asked for it so as to please you.

When you want to hire a housekeeping company for the cleaning services, keep your requirements specific when you are vague, the estimate too would be vague and this can lead to increased cost. Put things in writing on what exactly you would want to be done when they arrive. If you want the furniture to be cleaned then include it to your list; if you want windows, ceilings, floors etc to be cleaned include them to the list as well. This will help the housekeeping services company to give you a precise quote. If their estimate is too high discuss with them your budget for the cleaning services that you can manage at the moment and they will be able to offer a solution that will match your budget.

When you make your selection take into consideration the amount of time and energy that you would save and what else you could accomplish for that time that you will be saving by hiring house cleaning services. Check with them wherever you can also hire housekeepers, maids Baltimore if you should need assistance in this area. Housekeeping services Baltimore companies such as Unequely Clean offer comprehensive housekeeping solutions and you can hire housekeeper and maids as well from them.

Antique Farms: A Great Family Heritage to Discover – Part II

Antique Farms provide fascinating family outings that make history come alive.

Seeing how people worked and lived, especially in our own local areas really connects kids to their heritage with a big link of pride. There's nothing like actually experiencing Living History to make it come alive.

If you are into collecting Antique farm pumps, Milk Jugs or tractors, it's a lot of fun to go to Farm Museums and Country tractor shows.
They are really fun and are a great way to spend a family day that will be remembered and appreciated. Believe me, kids go nuts with old Farm equipment, especially tractors!

I remember playing on old tractors as a kid, in my home town over 40 years ago! Playing farmer with my two wild brothers, on old ramshackled tractors is a memory I still delight in.
Who knows? Maybe that is what hooked me into the Antique Farm passion?

What is really amazing though is that you can find ancient relics at these shows often in Top running shape. Did you know you can still order parts for some of these living history machines?

To share in the fun, here is a list of some of the best Farm Museums out there. Here is a list of Farm Museums by Area:
(Please note: There are a lot of them so I will present the huge list via several articles).

Maryland

Museum: CARROLL COUNTY FARM MUSEUM

Location: Westminster, Maryland

Contact: (410) -848-7775

Info: Open May-October, weekends 12-5. Featuring antique farm equipment & tractor collections.

Massachusetts

Museum: HADLEY FARM MUSEUM

Location: 147 Russel St., Hadley, MA 01035

Contact: (413) -586-1812

Info: Our farm museum is housed in a 1782 barn. Hours and admission prices by appointment only. Call for more information.

New Jersey

Museum: LONGSTREET FARM MUSEUM

Location: Holmdel, New Jersey

Contact: (908) -946-3758

Info: Demonstrations of the farm equipment available depending on the season of the year. Open June through Labor Day daily 9-5; Labor Day through May, 10-4.

Museum: NEW JERSEY MUSEUM OF AGRICULTURE

Location: Brunswick, New Jersey

Contact: (908) -249-2077

Info: Open Tuesday to Saturday, 10-5, Sunday 12-5. Tours & demonstrations available. Call for more information.

New Jersey

Museum: LONGSTREET FARM MUSEUM

Location: Holmdel, New Jersey

Contact: (908) -946-3758

Info: Demonstrations of the farm equipment available depending on the season of the year. Open June through Labor Day daily 9-5; Labor Day through May, 10-4.

Museum: NEW JERSEY MUSEUM OF AGRICULTURE

Location: Brunswick, New Jersey

Contact: (908) -249-2077

Info: Open Tuesday to Saturday, 10-5, Sunday 12-5. Tours & demonstrations available. Call for more information.

New York

Museum: CAYUGA COIUNTY AGRICULTURAL MUSEUM

Location: Auburn, New York

Contact: (315) -252-7644

Info: Featuring antique tractors nad farm implements. Open July – August, Wednesday to Sunday 1-5. Closed during winter.

Museum: NORTHERN NEW YORK AGRICULTURAL HISTORICAL SOCIETY

Location: Stone Mills, New York

Contact: (315) -658-2353

Info: Featuring early farm tractors and home equipment. Open June through September daily, 9-4. May, by appointment only.

North Carolina

Museum: OLD TIME HISTORICAL ASSN.

Location: Climax, North Carolina

Contact: James Ferree, (910 )-685-4253

Info: Call the museum for open dates and times.

That is all this time. More Museums to come in Part III!

Ways to Cancel a Real Estate Contract

In Maryland real estate investment should be done after framing a legal contract, which is signed by the seller and the buyer. The buyer pays fixed amount of money as a security deposit for the real estate property, for which the contract has been framed. The contract includes various important terms like description of the parties, clarification of legal terms and conditions, offer amount that has been determined, and finally the closing date of the Maryland real estate deal. It is advisable to thoroughly go through the terms and conditions listed in the contract before signing it.

Sometimes it becomes necessary to terminate or cancel the real estate contract. Generally a contract does contain a termination clause, which states under what type of situations the buyer can cancel the contract. To safeguard the interest of buyer and seller, the buyer should cancel the contract before the closing date. Otherwise it may create problems for the seller and lead to litigation on the buyer. Following are some common ways to cancel a real estate contract:

* The buyer may not be able to arrange for sufficient funds to buy a real estate property in Maryland under the prescribed time limit, stated in the contract. Under such situations, the buyer should give a written document stating that the buyer has made sincere efforts to make money arrangements, but received a written rejection letter from the bank or credit association where the loan application was given.

* If faults or defects are found in title review, the buyer has the right to cancel the contract. He / she should give a written consent to the seller about the title defects that are noticed. In case these defects can not be deal with, cancel the real estate contract.

* Usually inspection related issues lead to cancellation of a real estate contract in Maryland. Problems like excess of repair required by the property excluding a particular amount of money, unnecessary encroachments on the property and so on could be the reasons for contract termination.

The buyer should keep in mind the time frame that has been listed in the real estate contract. If the contract is taken after that time, it could lead to non-cancellation of the Maryland real estate deal. Hiring a good professional realtor can help the buyer to locate a real estate property that meets his expectations, and has a genuine seller. And the buyer can use their right of termination in case of any serious property related issues.

Special Occasions That Fit Hiring A Hummer Limo

The Hummer limo is usually accommodated to fit a lot of different activities, from the hysteric prom party to the high style business event, and the super-romantic cruise from the wedding to the hotel or international airport. If you wish to hire fancy automobile, you need to tell the limo rentals in Maryland about the particular event that the Hummer limo will be used. Don’t be afraid to inform them about your own personal choices and wishes as well. Limo rentals in Maryland are professionals in relation to styling this vehicle to make any night perfect and wonderful. The standard equipment in this vehicle will typically include first-class speakers, subwoofers, CD and DVD-players and flat screen or plasma TV’s. Tinted windows, level of privacy screen/barrier, temperature control and intercom phone is of course included. In the bar area you will frequently find fully stocked bars, bubbly with beautiful champagne glasses, ice chests and rock glasses. Interior mood lighting is extremely popular and is fitted into mirrors and ceilings.

There are generally many events that are the perfect occasion for a stretch Hummer limo. If you are going to or hosting a bash, imagine arriving at your desired destination in one of these kinds of dazzling cars. You definitely will be the life of the party from the second you arrive! Are you organizing a girl’s night out on the town? Then you may possibly want to look at reserving this vehicle right away.

The next occasion of which is perfect for a Hummer limousine is a wedding. You actually will definitely have room to carry the whole wedding party to the wedding reception lounge if you pick to book at the limo rentals in Maryland for your getaway automobile. In case you would like for the bride and groom to have a little privacy, an individual can easily book 2 limos, one for the pleasant couple and 1 for the wedding party. A white Hummer limo is ideal for the wedding celebration escape vehicle!

Of course, just one special occasion that frequently should have a limo rental is a high school prom. Envision your teenager’s delight when you hire a Hummer limo for him and his good friends. When you book a limo rather of letting your own children to drive by themselves, you will be certain that your children will come back safe and on time from their prom festivities.

Limo rentals in Maryland offer Hummers for all occasions. You can lease this luxury vehicle for wedding parties, Prom night, activities in a sport lounge, birthday party or just a night out with close friend. Hummer is one vehicle that will fit to any occasion.

Duct Cleaning – Understanding the Various Benefits

If you are in Maryland, you are quite competent since you would have the benefit of choosing from several cleaning companies that offer duct cleaning Maryland services. The ducts at home should be cleaned at regular intervals since it would provide you several benefits. Ducts that are not cleaned would not just decrease the efficiency of your cooling and heating machines but they would also pose various other risks for homeowners.

Various Benefits Duct Cleaning Brings You

Duct cleaning Maryland offers several different benefits. The cleaning companies in Maryland are quite experienced and knowledgeable and so they are able to offer efficient services which would provide you the below mentioned benefits:

– In most cases, the heating and cooling systems fail because of dust and dirt. If you get the ductwork cleaned regularly, you would not have to replace the systems for a very long time.

– With the efficient duct cleaning Maryland services, the capacity of the systems would be restored. Also the systems would require less running time for providing best results. What this would mean is that your cooling and heating bills would be greatly reduced.

– Even a build up of just 0.042 would decrease the efficiency of your cooling and heating coil by almost 21% as per the Environment Protection Agency. With regular cleaning of the ducts, the build up of the dirt and dust would have reduced so the efficiency would be automatically increase.

– The fiberglass filters that exist in most systems would only be 7% efficient for stopping the pollen, dust and dirt. This means that there would be a lot of dirt and dust that would have accumulated over the heating and the cooling coils and would reduce the efficiency of the systems. With the help of duct cleaning Maryland, you would be able to keep the dirt and all the dust away.

– Another major disadvantage of not cleaning the ducts is that the dust and the dirt would be transferred inside the home which would pollute the indoor air. Around 50% of all diseases are caused due to the polluted air. If you keep the air ducts clean, you and your family would be at less risk of contracting any illnesses due to the polluted air.

– Around one in every six people that suffer allergies get affected because of the bacteria and the fungi that are present in the air ducts.

– The Legionnaire's disease occurs because of polluted air from the air ducts and it has already killed several individuals in the US. With regular cleaning of the ducts, this disease can be prevented.

– More than the adults, children get affected by the polluted air inside home since they are inhale air at a faster rate. Good cleaning services can keep your children safe.

– Since most people spend around 60% to 90% of their day indoors, it would be necessary for you to keep your indoor air unpolluted.

With the help of professional cleaning companies in Maryland, you would be able to enjoy various benefits of efficient duct cleaning Maryland services.

Online Tax Sales With Short Redptions

May is the month for the Florida online tax sales, but there are a few problems with the online tax sales in Florida. The interest rate at the Florida tax sales is typically bid down to.25%, and Florida counts allow investors to have subaccounts, which give the institutional buyers a great advantage over the small investor. But even if you manage to buy a tax lien at a decent rate in one of the Florida sales, the redemption period is 2 years, and you may have to wait out the redemption period before getting paid on your lien. So how can you make money in the online tax lien sales without having to wait 2 years or more to get paid?

Everyone wants to know which states have the highest interest rates and the shortest redemption periods. Many are interested in redeemable death states that have steep penalties, like Texas where the redemption period is only 6 months and the penalty is 25%, or Georgia where the penalty is 20% and the redemption period one year. But the problem with investing in these states is that they do not have online sales.

But there is one tax lien state that does not have a short redemption period and online tax sales, and some of the counties in this state do have decent interest rates as well. The state that I'm referring to is Maryland.

Maryland tax sales take place in May and June each year and a few of them are online. The redemption period in Maryland counties is one of the shortest – only 6 months. The interest rate varies by county quite a bit, from 8% to 20% per annual! The county with the highest rate of return is Prince George's County but they do not have online sales. The City of Baltimore and Howard County, however, do have online sales and have an interest rate of 18% per annual.

Bidding in Maryland tax sales is very different from bidding at tax sales in other states. In Maryland counties, premium is bid, but you do not have to pay the entire premium at the sale. What you pay at the tax sale is the certificate amount and a portion of the premium, referred to as "high bid premium." High bid premium is 20% of the difference between the bid amount and 40% of the property value. So if you bid less than 40% of the property value you do not have to pay any of the premium you bid at the sale. But you do have to pay all the premium bid if you foreclose on the property.

Maryland counties also charge a non-refundable fee to bid at the sale. These fees can vary by county from $ 100 – $ 150 dollars. Howard County has a $ 1000 deposit requirement instead of a registration fee and this is refunded if you do not have successful bids. If you are successful bidding then the deposit is applied to the amount due in order to pay for any liens purchased.

The Top 5 States For Investing In Tax Liens Online

As of the time that I'm writing this article there are only 8 states that have that have online tax lien sales. But some of these states may only have one or two counties or municipalities with online tax sale. For that, and for other reasons that I'll let you know about later, these tax sales may not be worth your time. So here are what I consider to the top 5 states for investing in tax liens online:

Florida

Florida is a state that is worth looking at for the online tax lien sales. The interest rate in Florida is 18% per year. Most counties in Florida do have online tax lien sales. Tax Sales are held once a year in May and the interest rate is bid down quite low, but there is a minimum 5% penalty, so regardless of how low you bid, if the lien redeems you will get at least 5% on your money . Another plus for investors who do not live in the state is that as long as you do your due diligence and bid on good properties you are not likely to get the property. Instead of foreclosing on the property if the lien does not redeem, in Florida you apply for the lien to go to a sale sale. The property will then be auctioned off in a tax deed sale (some of these are online as well) to satisfy the lien.

Maryland

Another state that has a default interest rate of 18% per year is Maryland, and while not many counties in the state of Maryland have online tax sales, the City of Baltimore does have a very large online tax lien sale each year. In Maryland the interest rate is not bid down, instead of bidding down the interest rate, premium is paid for tax liens. You do not have to pay the entire premium at the tax sale. You only need to pay a portion of the premium along with the amount of the lien at the tax sale. And only if the lien does not redeem and you foreclose on the property, do you have to pay the remaining premium (and any outstanding taxes). The Maryland counties have a somewhat complicated way of determining how much of the premium needs to be paid at the tax sale (this is known as "high bid premium") and you should make sure you understand this before you bid in any of the Maryland tax sales. There is a detailed description of the formula for high bid premium in the Buying Tax Liens Online course. Another plus for the investor in Maryland is that the redemption period is short – only 6 months in most counties.

Indiana

Indiana is another state where premium is bid for tax liens and there are a handful of counties in Indiana that do have online tax sales. There is a 10-15% penalty paid on the certificate amount depending on when the lien is redeemed and 10% interest per year is paid on the premium amount and all outstanding tax payments. Not all of these tax sales are the regular tax lien sales, some of them are the county commissioner's tax certificate sales. These are the sales of the liens that did not sell in the regular tax lien sale. What's good about the commissioner's sales is that the amount of the lien is sometimes reduced and the redemption period is also reduced to only 120 days instead of 1 year.

Arizona

Arizona is one of the most popular states for online tax sales, although last I checked, only 6 of the 15 Arizona have their tax sales online. The default interest rate in Arizona is 16% and the interest rate is bid down at the tax sale. You will need to register in advance of the tax sale and submit a deposit in order to bid in any of these online auctions. Some of the Arizona counties also force you to pay the consequent taxes – if you do not pay them they will sell your lien in the following year's tax sale.

Colorado

The state of Colorado also has a few counties that have online tax sales, premium is paid for liens in Colorado and the interest rate is only 1% above prime. Colorado tax sales are in November of each year and the interest rate is determined each September in advance of the tax sale. For the last three years it's been only 10%. Keep in mind that any premium paid for tax liens in Colorado will effectively reduce the interest rate received on the tax lien when it redeems. However when interest rates are low – as they are now, investors are due to pay large premiums.

Other States With Online Tax Sales

In the last couple of years the states of Louisiana and Nebraska have also had counties with online tax lien sales. Both of these states have a bidding system that is not in the best interest of the investor. In these states it is the ownership interest of the property – should the lien not redeem, that is bid down. It is simply not a sufficient of an incentive for the owner of the property to redeem the lien if the investor will only own a small piece of the property, so I do not consider these states to be among the best states for tax lien investing .

The newest state at the time of this writing to have online tax sales is New Jersey. In New Jersey, just like all of the New England states, tax sales are conducted by the municipalities – not the counties. So there are more sales (over 500 annually) in New Jersey then in some other states. But most of these tax sales are very small – some of them with only a hand full of liens sold to investors. I did not include New Jersey among the 5 top states to invest in tax liens online for three reasons.
First, at this time only two New Jersey municipalities have online tax sales. And while the larger cities follow their lead in the future, I do not think that most of towns will have online tax sales any time soon.

Secondly, the bidding procedure in New Jersey is a little more complicated than in other states. The interest rate is bid down, frequently to 0%, and then premium can be paid for tax liens. The institutional buyers do this because once they have the lien, they can pay any current or future taxes when they become delinquent and get the maximum interest rate (18%) on these payments. So they are paying premium and getting no interest on the lien amount for the right to receive 18% on any future taxes that they pay. The problem with this for the individual investor is that if the liens redeems in a short period of time, you may not get to pay any of the outstanding tax payments.

And thirdly, bidders need to have at least $ 10,000 in order to bid at these auctions. Even though you only need to place a deposit of $ 1,000 in order to bid at the tax sale, the online auction company accounts that this deposit is 10% of your budget. So you need to have at least $ 10,000 in your account to make payment for successful bids.