Insider s Guide: Shawn Buige SurplusFundsRiches.com

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1 Insider s Guide: Shawn Buige SurplusFundsRiches.com Additional Resources: Main page - Youtube channel Ready to get serious? Get program click on products or get started. NOTE WE LIMIT # SYSTEMS SOLD TO KEEP EXCELLENT SUPPORT. WE HAVE EXTRA FUNDING, AND CAN HANDLE DOUBLE OUR CASE LOAD. IF YOU DON T SEE SYSTEMS FOR SALE, THERE LL BE A WEBINAR SIGN UP. WE LL GIVE OPPORTUNITY TO WEBINAR ATTENDEES. YOU LL ONLY BE ABLE TO PURCHASE VIA WEBINAR. Facebook Page like page Instagram This guide is provided free of charge and obligation for folks who want further info on systems we offer. When folks buy a system, we provide support via an ticket system, and even partner up with folks on many of our systems. This is an overview of each system; what you can profit, partnership options, costs incurred (if any) in addition to program. It will not give you the docs to use, scripts, etc. Please understand: Folks try to recover overages but don t use our method, or do it without doing research. I receive multiple calls per week where the person tried to use info from our Youtube channel, only to get a check in a claimant s name they can t cash. We don t put training videos publicly available on youtube. Those are just info videos. We don t partner with folks who don t purchase. We incur costs to put deals together, hire attorneys, find folks, etc. Do not contact us asking for a free program, to take it from 1st commission, etc. The answer is no.

2 More specifically, with overages: If you work overages without an attny (even if forms provided) it is our belief you will fail 99+% of the time. This is because either the court will put you off (sometimes indefinitely), or the county will send you a check in the claimant s name and you won t be able to cash that. **If you start with us, as a researcher, we will hire and pay the attorney on deals, as well as hire mobile notaries, and buy out the claimant with a structured buyout. If you use a structured buyout but give low initial pay, you ll fail and possibly get into legal trouble. Typically, we pay at least 10% of the gross amount held as the initial payment to our claimants. That makes us far more competitive, and it keeps us from any issues with the contract. We do this for our researchers! If you use a power of attorney from the claimant, or an assignment, you will also fail most Counties cut the check in claimant s name even if there s an assignment or power of attorney, and you won t be able to cash it. That s why folks partner with us we buy claimants out with our $; that locks deal down, and this makes us far more competitive we win. Approx 30% of folks that sign up with us started with someone else s course & failed. So if that s you it wasn t opportunity, it was the course, NOT YOU! You can do this, you can make great money, and stay legal. You just need the truth - need for debt research, way to approach, how to hire & retrieve with an attorney.

3 Overview of this guide, by courses covered read further, we go in depth on every course!: - National Surplus Funds Overages from tax & mortgage auctions. National, online, we partner! *For more opportunity, bundle with National Deed Flip(Synergy Bundle). For max income, bundle with both National Deed Flip and National Redemption program (Trifecta Bundle). You get 3 shots per file we ll buy it pre-auction(nat l Deed Flip). If we fail to do so, you can re-submit as a surplus funds file if you have National Surplus Funds, or you can submit it as a Nat l Redemption file while the redemption period is in force. Think about it we ve already found them(if tried to buy pre-tax sale with the National Deed Flip), & you re working surplus that no one else knows about, or redemption deals when others can t work it as surplus(because redemption period isn t over!). - National Deed Flip- get property for pennies on the dollar before tax sale. We partner on this! It is National, from home, online research. *For more opportunity, bundle with National Surplus Funds(Synergy Bundle). For max income, bundle with both National Surplus Funds and National Redemption program (Trifecta Bundle). You get 3 shots per file we ll buy it pre-auction(nat l Deed Flip). If we fail to do so, you can re-submit as a surplus funds file if you have National Surplus Funds, or you can submit it as a Nat l Redemption file while the redemption period is in force. Think about it we ve already found them(if tried to buy pre-tax sale with the National Deed Flip), & you re working surplus that no one else knows about, or redemption deals when others can t work it as surplus(because redemption period isn t over!). - National Redemption **LAUNCHES 1/1/2018!!* Get property for pennies on the dollar, after the tax sale has happned. We partner on this! It is National, from home, online research. *For more opportunity, bundle with National Surplus Funds. For max income, bundle with both National Surplus Funds and National Deed Flip (Trifecta Bundle). You get 3 shots per file we ll buy it pre-auction(nat l Deed Flip). If we fail to do so, you can re-submit as a National Surplus Funds file, or you can submit it as a Nat l Redemption file while redemption period is in force. Think about it we ve already found them(if tried to buy pre-tax sale with the National Deed Flip), & you re working surplus that no one else knows about, or redemption deals when others can t work it as surplus(because redemption period isn t over!). - Game Changer it s Baaaaack! This program is for pre-mortgage and HOA foreclosure, to work Florida, NC, Ohio. If/when we find additional States that you can work, we will add that in. It is National, from home, online. This program requires you have a RealtyTrac subscription. As a result, it is listed for less money to help you defray the difference of that expense. We will also bundle this with National Surplus Funds, National Deed Flip, and/or national Redemption. - FlipPro property buying program. Also covers getting investor money, different niches, dealing with owners in different ways. We do not partner on this. In our opinion, the ultimate wholesale system. This is a program you work on your own. We poured years of information and experience into this course.

4 - Hybrid Surplus Funds leveraging bankruptcy courts with an interest in the overage to make money without having to skiptrace, or deal with the claimants. Offered occasionally, we don t partner(no need). This is a low impact, high return program. - Florida Remote Florida surplus funds program that cover mortgage and tax overages in Florida only. From home, online. We offer this only few times a year and sell very few of them. We keep competition manageable and Florida has unique laws,etc. Florida Remote is best for folks who only want to work as a researcher. Only available once or twice a year, in special sales. - Florida Deed Flip Florida tax sale deed flip program. It is very lucrative, offered only few times a year. Very limited availability. ******************************************************************************************************************** - Niche programs we do not partner with these: Ultimate finder how to work as a finder instead. We do not partner with this. Only available occasionally. Zero competition auctions using the robin hood method in this course allows you to make fantastic money on upside down property, from HOA auctions. Only available occasionally. Frictionless Judgment Recovery way to collect unclaimed $, when judgments due. Only folks that appreciate this are judgment recovery pros. Everyone else will think it s difficult. Only available occasionally. Bankruptcy Goldmine this teaches you how to go after unclaimed monies being held by the bankruptcy courts. Do not confuse this with Hybrid. Only available occasionally. *Note we don t partner with the niche programs because they are best suited to be worked without us, and because you don t need a lot of money to back these deals. More on that in info that follows.

5 How do you choose which program to work? Question 1 Can you research debt, AND go to the courthouse, or would you rather work from home? If you can go tothe courthouse : If you d rather work from home: Zero Competition Auctions Flip Pro - *National Surplus Funds - *National Deed Flip - *National Redemption - *Game Changer - +Frictionless Judgment Recovery - +Bankruptcy Gold Mine - +Ultimate Finder - +Hybrid - *Florida Deed Flip Programs - - *Florida Remote (Surplus Funds Program) Question #2 Would you prefer to work a program where you have no money out in buyouts, etc, just minimum expenses? If yes, check the programs with a + next to them, above, that also match your answers to question 1. In addition, programs with a * are programs where we will partner up with you, doing much of the heavy lifting, with our money. Guys I get s weekly from folks who try to use our National Surplus Funds Program, but without hiring an attorney and/or without using a substantial initial buyout (we use structured pay upfront and on backend buyouts for retrieving Surplus Funds) and they end up either getting denied from the court, or they get a check from an attorney made out to claimant, and they can t cash it. If you are going to try to tweak one of our systems and/or take shortcuts, know that you will fail. And when you me, saying, help, I have a check I can t cash, what do I do, I m going to say do it the way we told you to next time. There is an outrageous amount of surplus funds out there to claim. Don t be an idiot and try to take short cuts. NOTE: If you are not sure you can work a program that requires you go to the courthouse, don t buy that program. We will go into a great deal of detail, specifically about lies being told by others regarding surplus funds, deed flips, etc. **All programs include /ticket based support. All programs have initial content pdf ebook, link to a resources page with additional information and/or video content. ALL SUPPORT IS BASED. WE DO NOT OFFER PHONE SUPPORT

6 These are programs that require you go into the courthouse: Course Summary Time to Get Paid Zero Comp Auctions Purchase prop at auction from HOA s that is underwater. Ave Profit, if Do w/out us 3 mo s $3-10K/file. You get initial cost back fast. Robinhood method. Ave Profit, if do with us NA we do not partner on this Ave Expense if do on own $3-5K/file. You get that back quickly, and then profit monthly for yr Expense If do w/ us NA we do not partner on this Notes Robinhood method, not super lien, is most productive FlipPro In Depth soup to nuts overview of how to wholesale property with little or no $, quickly. 1-3 months $15-$30K/file. NA we do not partner on this Buyout of owner for deed (this is not an assignment contract BS method), payoff foreclosing debt if necessary. NA we do not partner on this Recommend only to folks with previous real estate negotiation experience.

7 Programs you can work from home: Course Summary Time to Get Paid National Deed Flip National Surplus Funds National Redemption Game Changer You research prop s coming up for tax sale, from home, online. Recover tax + mort overages. Buy claimants out, finder laws don t apply. Make up to 40%+ of amount held. Redeem property post tax sale in States that allow that. Buy property going to mort or HOA f closure for pennies on the dollar. Ave Profit, if Do w/out us 2-3 mo s $20-30K. Low end prop, ave $40-$100K. In higher mkts, cost & profit, is higher. +/- 3 mo s +- 3 mo s +/- 3 mo s $10K min. file. Ave $25K, you net 40%. Use buyout, youre not finder. Do not use power of attny or assignment. $25-50K/file. Ave over $35K. Use buyout, quit claim, contract. $20K/file. Use buyout, quit claim. Pay off debt + owner. Ave Profit if do with us 15% of net Ave net 30K = $4.5K! We convert 3-5%: 1 out of files. We pay 8% of gross, ave recovery is $35K so ave commission to you is $2,800! We pay 15-30% net 30% if you find them & they are interested in redeeming. We pay 15-30% net profit 30% if you find them & they are interested in selling. Ave Expense if do on own 10-40K, for deed +pay foreclosing debt. Need skip trace program - $100/mo. Mail, call, notary, recording costs. Buyout $2,500-10K; attny $2,500+, mobile notary $100, mail, calls, skip trace software. $10-$30K for buyout and payoff of taxes. Mobile notaries, mail, calls, skip trace software, possible title co. Need to have RealtyTrac subscription. Payoff debt, give owner $ for deed. Notaries, mail, calls, skiptrace software, doc recording. Expense If do w/ us Research online. No cost most areas. You us doc s, title wksheet Some lists you pay for copies, request from court. We hand rest! Research free, online. Some Counties charge subscription costs. Research mostly free, but need RltyTrac subscription. Notes From home, online. We sell FL Deed Flip separately, so Nat l Dd Flip folks can t work FL. We limit sales of FL Remote (mort & tax overages) rarely offered. We don t work OR, WA, OH, FL or DC files. This is newest program, launch Jan 1, No one is doing this! From home, online Bring back program bcuz majority of markets have turned so opportunity, values, and conversion there.

8 Hybrid Program Ultimate Finder Get lists of court held $. If owner went bankrupt, contact bk trustee, get paid 25% referral! Work as Nat l finder, get around limits, disc. issues. 3-4 mo s $1,500 - $2,500 per file 3 mo s $1,500-$2,500 per file NA we don t partner on this NA we don t partner on this 15 cents Pacer search. Some lists $ Need to get skip trace software. That s $100/mo Zero, unless state requires. Skiptrace sys- $100/mo. NA we do not partner on this NA we do not partner on this You don t have to find owner, negotiate, or get docs signed. Work directly w/ BK court. You work from home. State unclaimed funds lists. BK Gold Mine not to be confused with the Hybrid program Frictionless Judgment Recovery Recover $ held by bankruptcy ct. Checks due creditors of a bankruptcy. This is fed ct, no finder laws. Recover judgments for creditors, from unclaimed money accounts 3 mo s $300-$1,000. The average $ held is low, but easy to do, and an insane volume. 3-4 mo s $2-10K/file. Ave recovery $10+K, you net 40-75%. No buyout needed NA we don t partner on this. NA we don t partner on this Doc signing & recording docs with ct. $10-25/ file, only if put deal together, not on hopeful deals. Skiptracing software $100/ month, some list costs - $10-30 per list. NA we don t partner on this. NA we don t partner on this. You do this from home, online. Easy to work, 90+ bk courts. Buy only if done j. rec. before. JR spec s will appreciate power of this.

9 Okay, now we will go in-depth on each program. QUICK NOTE - If you don t have the funds to purchase, wait until you do. If you buy it knowing the expense will put you or your family at risk because of other obligations, don t buy. You will be working out of desperation, and it will not work out for you. Thanks in advance for not trying to do that. National Surplus Funds Program: The National Surplus Funds program goes after tax and mortgage overages Nationally. We will partner. You get the list of overages yourself, research list online for debt against property and ownership(recorder of deeds department aka land records, or often clerk of court website), send in required docs along with title worksheet(copies of downloaded deeds, mortgages, as needed), and we take it from there. You have access to a list of all files we re working so you won t duplicate someone else s work. That list is updated daily, Mon -Fri. We will not take files from WA or OR or DC due to state statutes. We will not take files from FL, because we have specific program for there. Remember this is a National Program, from home, online so if you live in one of those 3 states, no big deal, just work another state. If you want to do this on your own, please understand the steps(this is why most folks start as researchers): 1. Get the list. We teach you how to get both tax and mortgage overage lists. 2. Research the debt against the person and property at the time of the foreclosure and the ownership at time of foreclosure, to determine who is entitled to the funds. 3. Find the claimant this requires a paid access skiptracing program. Whitepages or Facebook will not work well. We do this for our researchers. We pay researchers 8% of the gross retrieval. 4. Contact the claimant(s). We have example mailings on the resources page attached to the ebook. Of course, scripts are included. Again, if you wish to work as a researcher for us, we will do this for you. 5. Strike a deal. To avoid finder laws & profit caps, we use a structured buyout. We typically give 10% upfront to the claimant, and the rest of what we agreed to when we recover the funds. As you can imagine, with us paying them some upfront, we always win in the rare instance where we are competing with another firm. Again, we will do this for you if you work as a researcher. 6. Doc s Claimant signs power of attorney to an attny, and a custodial & buyout agreement. The attny gets funds in claimant name, uses trust acct to cash checks, when they get them. Of course, if you are a researcher for us, we handle this for you. 7. Double check title work, having attny hire paralegal in many courts, it s required by court to have this to motion court for overages. When they give you the thumbs up, you pay the initial payment to claimant and have attorney get on docket to motion. We handle this for our researchers. 8. Attny gets motion granted. Court generally pays out, after grants motion, in 4-8 wks. We handle this for researchers. Folks online telling you that you will get paid in a few days are lying to you. 9. Get the check and deposit it using the custodial agreement (again, most of you will not be able to do this), or have the attorney break it out in their trust account if they will do that for you. We do this for our researchers. Rinse, repeat.

10 National Deed Flip This teaches you to research pre-tax auctions and profit. We partner! If you work as researcher, you research debt & ownership. We find owners, put deal together, buy them out, pay off existing debt to stop auction, and pay 15% of net ave is $30K net, so ave pay to you is $4,500. You don t go to courthouse. We will work every state, but Florida has its own specific tax deed sale program (Florida deed flip). We won t take files where it s a Florida pre-tax deed sale. You can work this program by yourself, or with us. The steps in this program are: a. Identify property coming up for sale for taxes or a mortgage foreclosure, within debt to value limits (we wouldn t buy house worth $100K with $150K in debt, for instance). You research the debt mortgages and liens against property and judgments against the owner(s). b. If you want to work with us, you send in docs we ask for and fill in the title worksheet we provide, filled out correctly. For Researchers sending in files - We find them, put deal together, get deed signed, pay off foreclosing debt, hire realtor, record deed. We pay you when we get paid 15% of net. OR If you want to work this program on your own, you research the debt, find owner, negotiate to buy deed, get deed signed with notary, record deed at county, pay off the debt to stop foreclosure, resell the property. National Redemption Newest Program! We will partner with this! This launches 1/1/2018. This is completely new! No one is doing this! In those states that have a post sale redemption (a time period where the owner who lost the property at tax sale can come back later and pay off the debt and own it about 20 States), this program shows you how to contact the past owner, negotiate to redeem the property for them, then redeem it, get ownership, and flip it for Massive profit. If you would like to partner on this, you can get paid 15 or 30%. 15% if you just research and debt prior to the sale, 30% if you also call ex-owner and see if they are willing to talk about selling their redemption rights. We don t actually buy their rights. We get a contract in force as well as a quit claim deed, and we redeem it. We will put the deal together, pay off the debt that is foreclosing, pay the owner, redeem it, flip it and pay you! Notes before going forward When you are working a program as researcher (programs above have researcher option), we require worksheets filled out correctly. We have a pro staff of full time employees who handle underwriting, entering data, pulling skip trace reports, mailings/calls, handling negotiations, attorney hiring, mobile notaries, etc. It needs to be understood that we are pro s. Our staff follows a process. We have had folks in the past be disrespectful, or ignore requests for clarifying info. When that happens, we as independent contractors have the right to stop working with you. So if you know that you can t be respectful don t buy the program. We function on first come first serve basis. Programs that allow you to work as researcher will also give you access to list of files we re working, to avoid duplicating files. There will still be rare times where you ll submit a file that is, literally, seconds behind someone else. We have no incentive to lie about who turned in file first. We expect you to make mistakes in initial submissions. When this happens, we will tell you what to change and ask you resubmit the entire file. We must have correct info, and can t hold onto a partial file.

11 We re not being mean. The file needs to be correct, and mistakes cost us. A misspelled named will result in us skiptracing, mailing, and calling the wrong person. Incorrect title research would result in us chasing someone that isn t entitled to the funds or doesn t/didn t own the property. We expect mistakes. That s okay. Finally, you need to be prepared to fill the pipeline. If you think you re going to submit 5 files, sit back and get paid, or don t plan on consistently turning in files, don t buy. Only consistent work will get you consistent pay. Zero Competition Auctions This shows you to buy and profit from properties going into Condo Assoc/Home Owner Assoc auction, even when they re under water. You buy properties at the foreclosure sale and use our methods to profit. There is a super lien method, but the best one is the Robinhood method. You MUST go to courthouse to use this. We do not partner up with you on Zero Competition Auctions, so you need to be able to not only research the property at the courthouse, but also need to have funds necessary to pay the HOA or condo lien amount at the auction. Here s an overview of how this works: 1. Identify property coming up for auction by an HOA or Condo association. 2. Research debt to determine what is owned on the property, targeting, believe it or not, the ones that are under water meaning there is more owed against the property than it is worth. Use the robinhood method see steps below. 3. Make sure that the owner lives in the property. 4. Buy the property at auction, and then approach owner afterwards. You ll need to make sure no other creditors, mort. holders, etc, are starting foreclosure proceedings. Usually they re not. You will offer to rent the property back at market rate. They ll pay you back the amount you paid at auction immediately, then pay 50-75% of going rate for rent for one year. Then, you will deed the property back to them. We have gotten Christmas cards from owners, doing this. You saved their tail. Florida Deed Flip This is a tax deed flip course. Florida provides mortgage and judgment info online. This is from home. You get a list of upcoming tax auctions, research debt to make sure the deal is viable (low debt to value) and work it by buying deed from owner and paying off taxes to stop sale, or send it to us and we will do that. We offer this only rarely to keep competition low. We pay researchers 10% of net profit and the profit runs $30,000 on overage. This is protected area, so we will not take pre-tax sale deals from FL unless you have FL Deed Flip. Florida Remote This is from home overages recovery program mort & tax overages. We partner. You research debt against property & person, send in docs we need (you get them online) and fill out title worksheet. We take it from there contact them, put deal together, buy them out, hire attny, and pay you when we retrieve the funds. The reason you can work Florida is that it gives deeds/mort s online, and judgments. The reason folks work with us as researchers in FL and don t do on their own is that the attorneys cannot cash the check using a trust account. As a result, in FL, our attny sends us the check made out to the claimant, and we cash that check.

12 Hybrid Program This is a unique way to recover funds created from mortgage overages, tax overages, and estate files. You have to get a list we tell you how. You run your list through pacer.gov to see if the person went into bankruptcy. A good rule of thumb is if they went into bankruptcy 2 yrs prior to, or 2 yrs after, the funds were created. If they did, the bankruptcy ct has priority claim to funds. The bankruptcy ct was not been notified of the funds existence because the county generally does not index bankruptcy cases, as they are federal. Because bankruptcy court has priority claim, they can make a claim against the money without having to be priority in line for the funds. They pay 25% just for info. You don t have to find claimant There are lists that can be worked & the opportunity is wide open. There are so many lists because you can work multiple lists per county - mort overages, tax overages, unclaimed funds, refunds, etc. Ultimate Finder This is our State finder course. The main benefits to this, over other finder programs, are: - We get you around disclosure issues. You can practice full disclosure, but still make a strong %age. - We help you target those States that will be most productive. We don t partner. It s easy. If you want to maximize profit, you ll need to also have a skiptracing program, like microbilt (if you mention Shawn Buige when sign up for microbilt, they waive startup fee), or TLO. Bankruptcy Goldmine aka BK Goldmine Not to be confused with Hybrid, this teaches you to go after funds the bankruptcy(bk) court is holding. When the bk courts sells off assets to satisfy creditors, the $ is disbursed by the bk court to the creditors. However, if the address for the creditor is wrong, the bk court gets check back and puts it in their unclaimed funds acct. There is no finder cap. Also, you are not finding claimants you re finding creditors. Easy to find them. We have the creditor assign the debt they are owed not the money in the court to you. We have a special form for that. Since bk surprises everyone including creditors, there s usually no judgment to assign. So they are assigning debt. Now, you record that assignment in any court of law. You are now the creditor, and you claim the funds in your own name, from the bankruptcy court. We do not partner on this.

13 Couple of final thoughts: 1. We are a growing company with 7 full time employees. We have very deep pockets for deals both inhouse and through investors, and have payroll in excess of $7,000/wk. We also incur skiptracing fees in excess of $20K yr, send out tens of thousands of mailers, make thousands of calls. We don t have time for drama, folks who can t take constructive criticism, etc. If you re not sure you ll work it, or an info junkie who won t apply it, or can t take direction, don t buy. We don t refund, period. So if you re not sure about us or our programs, don t buy. We don t talk you into buying it, because we have found we then have to talk you into working it. Sorry, we simply don t have patience for foolishness. 2. The staff is extremely well trained, professional, and hard working. If folks treat members of our staff unprofessionally, we stop working with them. We are independent contractors, not employers. 3. Our support is based. You open a ticket per instructions in the ebook. We do NOT offer phone support. We have made this clear. 4. Whenever we make claims on conversion rates or averages, this is based on our sole experience. You will not experience the exact same averages or conversion rates. We don t know how hard you work, the quality of your work, the percent of files that will be viable, etc. Whenever we give numbers in the videos and in overviews, they are a statistics based on our experience. Because most people are not disciplined, hard working, or willing to take direction, most people will fail. 5. We only buy property using our programs, and our methods. We only recover funds using our programs, our methods. We don t take personal referrals, etc we use our program. 6. If you re-sell, or in any way disseminate our programs to anyone for any reason, we will pursue recourse to the fullest effect afforded by the law on our copyrighted programs. We have already put people out of business for trying to re-sell or give the programs away. Please don t test our resolved on this. Thank you for taking the time to look further into this opportunity. Regardless of your decision, we wish you the best. Shawn Buige Pre-purchase questions AM to 1PM Eastern Standard Time.