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From the Desk of Steven E. Waters
Date: Monday, December 1st, 2008

Dear Reader,

Hello my name is Steven Waters and despite how uncertain you may feel about the economy and your financial future, you're about to discover an investment that is safe, certain and guaranteed to produce profits of 16%, 18%, 24% up to 300% per year.

Ok, so maybe you're saying to yourself, "This sounds too good to be true."

I don't blame you. As a matter of fact, I can remember thinking the same thing. That is until I decided to open my mind and learn for myself. That decision, which I made so many years ago, has opened up an investment that is;

• Safe,
• Certain,
• and Highly-Profitable.

Unlike stocks, futures, options and commodities, government issued tax lien certificates are immune to the ups and downs of the economy. So even if the stock market were to crash tomorrow, your rate, which can be as high as 300% per year, is fixed by law.

Most investments are risky and often we're uncertain how they will turn out.

With tax lien certificates, there's no gambling, speculating, or praying that they will go up. When you purchase a tax lien certificate your rate is fixed to stay high, regardless of what happens in the markets.

When you buy a tax lien certificate Wall Street doesn't determine your rate. With tax lien certificates there's no up and down roller coaster ride; your rate is determined by law so you know exactly what your return will be. You can sleep at night knowing that no matter what happens with the economy, the markets or the news, your rate is fixed.

Maybe you've heard that it takes a lot of money to make a lot of money.

I know when I got started I didn't have a lot of extra cash just laying around. I worked hard for every dollar I had and I wasn't about to throw it at every so called "opportunity" that came my way. I had to find an investment that didn't take a great deal of money to get started.

With tax lien certificates is doesn't matter how much you spend. Your rate, which can be as high as 300% per year, is the same, regardless of what you paid. It really is the ideal investment because you can buy them for as little as a couple bucks on up to several million.

You'll have to forgive me, I'm getting a little ahead of myself. I just get really excited when I start talking about this incredible investment. You see most people simply don't know about it.

As I said earlier, my name is Steven Waters and I'm just an average person that stumbled across an amazing investment. It was several years ago but I can still remember feeling a bit uncertain about my own financial future.

"Unless you try to do something beyond what you have already mastered, you will never grow." - Ronald E. Osborn

Needless to say, I was at a real financial crossroad in my life. As luck would have it, a close friend loaned me an audio program on generating wealth. I listened to it, in fact, several times. It discussed multiple ways for generating wealth, from investing in stock options to buying real estate nothing down, and finally profiting with tax lien certificates.

I couldn't believe what I was hearing, it sounded way too good to be true. Generally, I wouldn't even give something like this a second thought, I would dismiss it and continue on with what I was doing. This time I reasoned that "If I keep doing the same things, I will continue to get the same results." Though scary at the time, I sure am glad that I decided to take a closer look.

Just what are tax lien certificates and how do they work?

Ok, so here's how it works. All over the country local governments have millions of dollars in unpaid property taxes.

Unpaid property taxes create a serious cashflow problem for local governments. If local governments are unable to collect real estate property taxes, they are also unable to provide important government services like police protection, public schooling, and medical services.

To solve this problem and fund daily services, local governments create and sell tax lien certificates to investors. In exchange, investors receive the governments lien for property taxes. The lien is secured by the real estate it is attached to.

Just to be clear, you're not buying any real estate. You're just buying the governments lien on the real estate. So when you purchase a tax lien certificate you're actually paying the property taxes for someone else. In exchange, the government transfers you the right to receive all of the outstanding taxes owed by the property owner.

When you purchase tax lien certificates, you're entitled by law, to receive 16%, 18%, 24% up to 300% per year.

In an effort to motivate property owners to pay their property taxes the government charges interest and penalties on top of the overdue property taxes. When the property owner steps forward to pay their overdue property taxes, the government transfers the money collected including fees, interest and penalties to the tax lien investor - which is you!

Think of it this way. Like a bank or lending institution, you're just providing a "short-term loan" to the property owner and by law you are entitled to receive interest and penalties for your services.

Everyone is happy. The county gets their money, the delinquent property owner keeps their home and gets more time to pay their already past-due property taxes and you get to grow your money at the rate of 16%, 18%, 24% up to 300% per year.

In addition, this "short-term loan" is secured by real estate. So, just like a bank or lending institution if the property owner doesn't pay their loan or in this case their property taxes, usually within three (3) years from the time you buy the tax lien certificate, the government will let you foreclose on the property to recover your investment.

Ok maybe you're thinking, "There has to be a catch, what's the catch?"

First of all, about half of the states sell tax lien certificates.

Second, the sale of tax lien certificates are handled by the counties. County governments sell tax lien certificates at property tax sale auctions. There are over 1500 individual counties, all holding their separate auctions at various times and locations and with different rules. Tracking down the dates, times, locations and rules is a lot of work but is certainly well worth it, plus it keeps most people away - leaving more for you and me.

Tax lien certificates are the ultimate wealth builder - you simply bid on the ones you like, buy them and wait. The government collects the past due taxes, fees, interest, and penalties from the delinquent taxpayer and then they send you a check.

I'm sure you're wondering where to begin and how you can start earning 16%, 18%, 24% up to 300% with safe, certain and highly-profitable tax lien certificates.

As I mentioned earlier, it's a lot of work tracking down the dates, times, locations and rules for the various tax lien certificate auctions. Listen closely, you don't have to reinvent the wheel, I've done all the work so you don't have to.

You see, when my friends and family saw the success I was having they wanted me to show them how I was doing it, so I compiled all my notes and instructions into a physical book which I've entitled Creating Wealth Without Risk™.

Here's just a sample of what you will learn in Creating Wealth Without Risk™

• Learn how and where to buy tax lien certificates and earn 16%, 18%, 24% up to 300% interest.


• Purchase homes all over the USA for as little as 2 or 3 cents on the dollar, and own them free and clear of mortgages.


• In-depth instructions on how to uncover your winning investment strategy.


• How to select the best tax lien certificate states offering the biggest returns.


• Learn how to purchase high-yielding tax lien certificates through the Internet.


• Capture enormous returns with minimal risk using my super-simple ten-step tax lien certificate investment system.


• Minimize your risk and maximize your returns with my complete due-diligence research system.


• How to purchase tax lien certificates with little to no competition.


• Save yourself a bundle of time with my complete state-by-state tax sale summaries. Learn the statute mandated interest rates, redemption periods, bidding process, auction dates, and how to take title free and clear of all mortgages. Each and every state is covered.


• Realize massive returns tax deferred even tax free through a self-directed IRA.


• I provide the contact information for the top ten officials including their phone numbers, address, and in many cases web addresses.


• Know the exact questions to ask with my pre-printed tax lien certificate forms.


• And much, much, more.

I wrote Creating Wealth Without Risk™ to help you take full advantage of the tremendous wealth-creating potential of tax lien certificates. It reveals how you can start earning safe, certain, and highly-profitable returns of 16%, 18%, 24% up to 300% per year with government issued tax lien certificates.

For a limited time, when you order Creating Wealth Without Risk™ right now, you'll receive over $200 in valuable bonuses all included on the enclosed CD-ROM.

Listen, I want you to succeed. Therefore, when you order just one copy of Creating Wealth Without Risk™ I'll include a special bonus CD-ROM containing everything you need to purchase and profit from high-yielding tax lien certificates. That's right, you're going to get over $200 worth of valuable bonuses when you invest in just one copy of Creating Wealth Without Risk™.

Bonus One: Creating Wealth Without Risk™ Audio Program ($149.95 value)

Not that long ago I held a special four hour Creating Wealth Without Risk™ telephone training course. Over the telephone I lead a small select group of students through the entire step-by-step process of investing in tax lien certificates. I'm including this entire audio program at no extra charge when you order just one copy of Creating Wealth Without Risk™ today.

In audio one you'll learn what makes tax lien certificates the ideal investment. Then, moving on with a discussion on the taxation process and the legal issues surrounding this incredible investment. Next you'll learn the various methods for collecting delinquent property taxes. Finally, I wrap it all up with the discovery of your investment goals.

In audio two I provide a simple and straight-forward way for you to identify the best state and counties to begin your investing. This process is a function of several factors, of which, I will cover. Then you will learn what to look for in the ideal county, who to contact, what to expect, which questions to ask and where to find the answers. Lastly, how to obtain an accurate and current list of tax lien certificates available for purchase.

In audio three, I present my super-simple risk-reducing research system. First, I review the tax sale list and the information it provides. Using your goals and the information provided in the tax sale list, we begin to narrow the list of available tax lien certificates down to the diamonds in the rough. Finally, you'll learn a sure-fire system enabling you minimize your risk and maximize your profits.

In audio four, you'll learn the different methods of purchasing a tax lien certificates, including through the mail and over the Internet. Once you've determined the best method for purchasing your tax lien certificate, you'll learn how to get registered and what paperwork and or forms you must complete. You'll also learn the various bidding systems, including their strengths and weaknesses. Finally, you'll learn how to collect your profits.

Bonus Two: Uncle Sam's Unofficial Guide For Tax Free Returns ($19.95 value)

One of the biggest struggles facing investors is keeping the profits generated by their investments. However, with a basic knowledge of capital gains laws, and the right tools, you could be enjoying the incredible benefits of tax free profits.

In this special report, securities expert Jeff Desich of Mid Ohio securities provides a simple yet straight forward process to realizing tax deferred even tax free returns with tax lien certificates.

You will learn the benefits of a Self-Directed IRA relating to tax lien certificates and real estate in general.

You will also learn the exact mechanics of purchasing tax lien certificates and real estate with a Self-Directed IRA. This is the ONLY course of its kind and you cannot get it in bookstores. In addition, you will also learn the simple six step process of purchasing tax lien certificates with a Self-Directed IRA.

Finally, you will learn how to get started reaping the tax deferred, even tax free profits with a Self-Directed IRA! Forms and worksheets are included ensuring you have all you need for keeping more profits and paying less taxes.

Bonus Three: 7 Days of Tax Sale Listings* ($9.95 value)

When you order Creating Wealth Without Risk™ today you'll receive a FREE 7 Day trial* ($9.95 retail value) to access the most complete database for tax lien certificate, pre-foreclosure and foreclosure listings.

With your FREE 7 Day trial* Access you'll have the ability to search Live Auctions, Foreclosures, Pre-Foreclosures, Bankruptcies, FSBOs and Tax Lien Certificates. Refine search results to display listings based on price, city, zip code and the desired number of beds and baths.

In addition, access invaluable property information such as zoning classifications, lot sizes, tax assessments, property pictures (when available), aerial maps and driving directions. Pull detailed information about communities and schools surrounding investment properties and much, much more.

Bonus Four: The National Directory ($19.95 value)

This is the most complete source for hard-to-find phone numbers, addresses, maps, and tools to help you connect with the best tax lien certificate states and counties.

Helps you quickly find phone numbers, addresses, maps and research tools to the best states and counties for realizing high-yielding, government issued and real estate secured tax lien certificates.

This crucial time-saving resource enables you to minimize your time and maximize your profits. Don't waste another penny on directory assisted calls.

Features over 3000 county, municipal and local government listings, including addresses and phone numbers...all jammed in The National Directory.

Bonus Five: Personal One-On-One Consultation (Priceless Value)

I simply refuse to let you miss out because you don't quite understand something or you have a deal that you are not sure about. Listen, when I tell you that I am serious about your success, I mean it. I will not allow anything to stand in your way to getting that first deal done!

Like anything new, purchasing your first tax lien certificate might seem a little foreign at first. In addition, you may have a lot of fears holding you back. I want to help you take those tough, but crucial first steps.

During this complimentary telephone call we will take time to understand where you are, help you identify your goals, resolve concerns, and create a detailed plan of action enabling you to realize your financial dreams. The value and more importantly the impact of such personal support far exceeds the investment in my Creating Wealth Without Risk™ and is priceless!

Bonus Six: Real Estate Forms ($19.95 value)

This package includes all the essential real estate contracts and power forms you need to make your deals happen. From finding bargains, performing a market analysis, purchase contracts to rental agreements and more.

Buyers Agreement, Evidence of Title, Inspection Check List, Comparative Market Analysis, Occupancy Agreement, Personal Networth Inventory, Property Profile, Property Selection Grid, Purchase Agreement, Rental Agreement, Rental Application, Shared Appreciation Agreement, Annual Property Operating Data.

With these real estate contracts and power forms you can quickly and easily put them to use. Unlike traditional forms, you buy them, use them and runout. Since these forms are digital, you can find and print them as many times as you like.

If you've checked out other tax lien courses, you know that they typically sell for several hundred to a couple thousand dollars or more.

The information contained in Creating Wealth Without Risk™ could easily sell for hundreds of dollars. In fact, I personally know of "gurus" out there who are charging an arm and a leg for their over-hyped and over-priced courses.

Listen I'm not trying to be a "guru", in fact those guys bug the daylights out of me. Which is exactly why I'm offering the same information for a fraction of what they're selling it for. I'm delivering a whole lot of value in Creating Wealth Without Risk™ and my hope is that you will tell anyone that wants to learn more about this amazing investment to buy my book.

Here's my pledge to you.......

I'm confident that Creating Wealth Without Risk™ has everything you need to purchase and profit with safe, certain, and profitable tax lien certificates. However, if within 60-Days of ordering Creating Wealth Without Risk™ you feel it isn't all it's cracked up to be, I'll issue you a full-refund plus I'll let you keep the book and the $200 in valuable bonuses.

Tax lien certificates are the ideal investment and Creating Wealth Without Risk™ has everything you need to get started right away. With my 100% money-back guarantee, you've got nothing to lose and everything to gain.

Opportunity is knocking, take action, order Creating Wealth Without Risk™ now and begin profiting 16%, 18%, 24% up to 300% with tax lien certificates.

Remember, I am only guaranteeing the bonuses for a limited time. I can't make this offer forever. PLEASE (I'm asking nicely!) do not email me and get upset if you try to order and I am no longer including the $200 in FREE BONUSES.

Massive Success,

Steven E. Waters
Creating Wealth Without Risk™

"All the information that I received was very helpful in getting me started. I attended my first tax lien certificate auction and bought a 1/3 acre lot appraised at $5000 for $1510."

- R. Rangel, Texas

"I found Creating Wealth Without Risk™ very helpful in describing what I needed to do to invest in tax lien certificates. The big plus is that you have also included all the contact information for the counties which offer tax lien certificates. It saved me from having to find the information by myself."

- J. Cheng, California

"I thought that Creating Wealth Without Risk™ was very clear and easy to understand as well as being highly informative and to the point. The information contained within is easily worth thousands of dollars. I would recommend that anyone serious about being a smart investor buy this book and put it into action!"

- S. Roy London, England

"Thank you for your great work. I just received your book and haven't been able to stop reading it. I would recommend Creating Wealth Without Risk™ to anyone who is interested in getting into Tax Lien Certificates."

- J. Bennett, California

"I wanted to let you know I thought your book was outstanding. The modules are a fantastic resource, not to mention the forms, spreadsheets, links, etc.

My husband and I paid a lot of money to travel to a course and while we did attend an auction, we only received about half of the information you have provided."

- K. Costner, Virginia

"A friend of mine purchased a tax lien course at a seminar for $2,700. To his dismay we discovered his expensive course did not contain any more information then your book Creating Wealth Without Risk™. Thank you very much."

- P. Camenisch, Colorado

"It was great to see the info on the different states. It was a real time saver. I have since successfully purchased 5 tax liens. Keep up the good work."

- M. Brady, Kansas

"I learned a whole lot about what tax liens are and how to locate them nationwide. The information was very informative and helpful. I consider Creating Wealth Without Risk™ to be the absolute best guide anywhere on the subject of tax deeds and tax liens."

- J. Smoot, California

"Since I am involved in several businesses, time is a major constraint on pursuing new income streams. Your book Creating Wealth Without Risk™ is high-quality and a major productivity booster. I recommend it to any serious investor."

- J. Dean, Georgia

"I have been looking for investment properties and your book, "Creating Wealth Without Risk&trade" saves an incredible amount of time and effort! Everything I need to make an informed decision is included. I currently have a farm with 50 acres on lien and I stand a great chance of getting this for pennies on the dollar."

- S. Kay, Minnesota

Offer valid to U.S. and Canadian residents only. Must be 18 years of age or older. Limit one copy of Creating Wealth Without Risk™ per household. By taking advantage of this special offer you agree to the PRIVACY POLICY (Last Updated: 09/01/2008) and the DISCLAIMER of this website. ©2008, Tax Lien University, Inc. All rights reserved.

*FREE 7 Day trial: If you choose not to cancel after the FREE 7 Day trial promotional period your membership will automatically renew. This subscription is billed directly to your credit card on a monthly basis, four weeks at a time. Renewals will automatically be billed until you cancel your subscription. If you decide not to receive the subscription simply cancel your account during the FREE trial promotional period and no charges will occur. The FREE 7 day trial is only available to NEW subscribers and cannot be used in conjunction with any other offers or promotions.

We will replace or repair any defective product within 60 days from the date of purchase. After 60 days all sales are final. Your credit card will display a one time charge by ClickBank/Keynetics.

Services are provided by Persuasion Institute, Inc., which has been specially selected by Tax Lien University, Inc. to provide education and guidance throughout your program.