In California the state government currently holds about $5 billion in unclaimed money and this amount is increasing by up to $300 million a year. What does this have to do with you? Well, if you or a relative is or was a resident of the state, or had any business dealings with a California based company or the state government, some of that money could belong to you.

Under California law, abandoned or unclaimed assets such as bank and savings accounts, safe deposit boxes, tax refunds, gift certificates, undelivered salary checks, stock dividends and other such financial assets, if unclaimed for three years, are taken over by the Treasury Department and become part of the state’s general funds where they remain until the rightful owners are found.

The problem the state government has is that people move to new places without leaving a forwarding address. The government makes some efforts to trace these persons, but these are limited by the time and resources available. If you suspect that there may be money owing to you, or to a family member, visit the California State Controller’s website and use the resources there to do a search to find any money that may be due to you or your family. You can even do a search for a friend. If you find money due to you, there is a well laid down procedure for you to make the claim and get a windfall you never expected.

Even if you have not moved or changed your address for a long time, its worthwhile to do a search and see if money is due to you. You would be surprised at how easy it is to forget about assets and how often it happens. It’s the “I’m not so lucky” mentality that has resulted in California sitting on $5 billion of other peoples’ money.

Here’s an interesting fact. Angelina Jolie, Brad Pitt, Jennifer Lopez, Keanu Reeves and Adam Sandler are among the many names that appear, or have appeared, on the state’s unclaimed money list. If the government was not able to locate them, what makes you think they would have been able to locate you? Make the effort to search for money that may be yours. You never know what you could find.

You have a few options for which database to use to conduct your search:

1. Use an “All-in-One” database

This is the best option for conducting your unclaimed funds search. An all in one database has money from all 50 states and federal databases. Usually an all in one site will offer free searches to make sure you are owed money before accessing the database.

2. See which accounts are yours by looking at the account type, address associated with the missing money account and other information that will let you know it is your account.

3. Once you have identified the unclaimed property accounts owed to you all you have to do is print a claim for and submit it with the require proof of identification. Proof of identification is usually copies of a driver’s license or state issued ID card and a birth certificate or social security card.

The claim review process takes anywhere from 2 to 16 weeks depending on the state or agency you are submitting the claim to.

If you have a problem with your claim call the agency and request to speak to the unclaimed property division.

Now you are armed with all you need to know about unclaimed property. So go find and claim yours today!

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This unclaimed money can take many forms – forgotten savings and bank accounts, safe deposit boxes, undelivered salary checks and share dividends, tax refund, insurance payments, forgotten pension checks and so on. This list is large. While most people think that they would never forget about money that is due to them, a large number do – that’s what accounts for the $400 million in Louisiana alone. In fact, the money due to you need not even have been originally yours. There may be inheritances and bequests that you are not aware of. Or there may be a case where a person has passed away without a will and the legal division and disposal of the property may have something for you.

The reason why such large sums of unclaimed money are lying with Louisiana and the other states is that most people don’t know about the unclaimed property laws. Louisiana, like all states, has an unclaimed property database that is easy to search. If you should find your name on the list, or that of a family member or a friend, you will find easy to understand and clear cut instructions on how to go about making your claims.

Perhaps you are still struggling to recover from Katrina, or maybe looking for a way to ease the current economic stress. Either way, unclaimed money lying with the government is not doing you or anyone else any good.

Take a little time and search for what may rightfully be yours. A small amount can make a great present to yourself and a large amount may turn your life around!

All you have to do to find and search for Louisiana Unclaimed Money is enter your name in an unclaimed money search. The results should come back within a minute showing you how many unclaimed money records are owed to your name. Then all you have to do is look through those records, see which ones are yours and send in a claim form.

Depending on which state or federal agency is holding your money you will need to provide some proof of identification like a copy of your drivers license, birth certificate or other form as proof of your identity and entitlement to the missing money.

After the claim form is sent in you should get a check in your hands within 2 to 12 weeks. Good luck on your missing money search!

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This recession is hitting every hard. Many families are finding it nearly impossible to pay all their bills, especially if they have lost their jobs. And if you are stuck, unable to come up with enough money each month to make ends meet, you may be in luck with ntmoney.com”>government grants to pay bills.

In a country as rich as America and with as much money Uncle Sam takes in every year from our taxes and gives out to other countries, there is absolutely no reason whatsoever that any American should be living without the basic necessities. It is a crime. But, unfortunately, many citizens have no idea that there is government help available…or maybe some are just too lazy to apply for it. Either way, the government sets back billions of dollars each and every year to help Americans with bills such as heating, rent, and food, much of which may go unclaimed each year.

>Each and every state in this country has some sort of government grant money to help people with certain bills. Each state gives these government grants to pay bills a different name such as heating assistance or utility assistance, but each one gives money for the same thing, which is to help pay the heating/air conditioning electric bills.

And, if your house is not energy efficient, you can also find grant money for bills that include putting in insulation in the attic, walls, or floors or to replace windows.

But those are not the only government grants to pay bills you can find. If you are at risk of losing your home to foreclosure, then you may be able to get assistance from a new government program through the recovery act in which you may be able to obtain a fixed rate mortgage with a lower payment, this allowing you to be able to pay your mortgage and keep your home.

However, if you are a renter and not an owner, you may be able to qualify for a housing voucher, allowing you to find affordable, clean, and safe housing for you and your family that is not located in a housing project area.

Plus if you qualify, you may be able to receive temporary financial assistance and job training in order for you to be able to make more money, thus being able to pay your bills with greater ease.

Lastly, there are even grants to help cover the cost of groceries and healthcare for those who apply and qualify. Plus, if you are interested in going back to school or starting a business, you may even be able to find and acquire grants in those areas too.

But remember, you must apply for these government grants to pay bills. They will not come to you, so do your research and find all the available grant sources you can, or take advantage of the grant kits and their free trials, which can save you time in the long run.

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If you’ve been looking into investing in government foreclosures, you’re on the right track. As far as investing in property goes, you can’t beat the profit potential inherent in tax foreclosure properties. If you bypass the tax sale auction and purchase directly from the owners themselves, you stand to find some pretty good deals. (See http://deedgrabbers.com for more info on buying directly from owners.) However, even if you hate owning property, you can still get real estate sized paydays from government foreclosures a different way.

How? By focusing on the overages created at tax sale.

When more is bid for government foreclosures than is owed in back taxes, the government keeps that excess money for the owner to collect (this is true in most cases for both mortgage foreclosure sale, and tax foreclosure sale). If the owner never comes to get the money, after a few years the government gets to keep it. Unfortunately, since many owners have moved on from their last known address, they aren’t notified of the funds, and lose the money – permanently, with no recourse. That’s where you come in.

As a “found money pro”, or someone who researches these overages, you can easily make a six-figure income notifying people of the money they are unaware of. How? Two simple words: finder’s fees. Huge insider loophole: while in most states, state unclaimed funds have a cap to the percentage you can charge for a finder’s fees, most of these real estate created funds do not. This means that you can charge 30-50% (industry standard) for your assistance in recovering these funds. Is this ethical? Yes. Without you, 99% of the time, these owners will never find out about this money, and will lose it permanently. Most owners are more than happy to pay your fee and receive 50-70% than to receive 100% of nothing.

Especially in the current economy, more government foreclosures are happening than ever before. These overages regularly run into the tens of thousands of dollars. So for example, when you locate a $40,000 overage and get the owner under contract to allow you to assist for a 40% fee, when all is said and done, you’ll walk away with a $16,000 paycheck. Not bad for a few days’ work, is it?

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If you’ve had more than one job in your life, chances are you have a few super accounts – you may have even lost track of some of them! Consolidating your super is about finding all your super monies and moving them into one account – so you can get clear view of your super and really start to make your money work for your retirement.

The difference over 30 years for an investor who has one fund with a balance of $7,200 and annual administration fees of $60, compared to an investor with six super funds, each with balances of $1,200 and annual administration fees of $60 each, is around $14,000.

Learn more about consolidating your super in three easy steps:

Benefits of consolidating your super

The biggest advantage of combining your super accounts is the potential savings in administration fees. Generally, the larger your super account balance the smaller the proportion of fees you’re charged for that account. So if you’re paying a number of account fees, you can reduce the amount of fees you pay by reducing the number of super funds you have. Another advantage of consolidating your superannuation is less paperwork. Having one super account means you only have one set of paperwork to manage. This could make it easier to keep on top of your super and understand exactly how it’s performing. By adopting a more focused investment strategy, you might end up achieving a better return on your investment and work towards a fulfilling retirement.

Consolidating your super is not just about saving money in administration fees, it’s also about giving your super the potential to really grow. With the power of compounding returns, the money you save in fees could really help grow your super balance.

Things to be aware of before moving your money

There are some things you should consider before you move money out of a super fund. Firstly, check to see if your super fund charges you an exit fee?. This means you could incur upfront withdrawal or exit fees for moving your money out of these funds. Depending on the number of super accounts you currently have, your upfront exit costs could end up being higher than your total savings in administration fees.

Secondly, your decision to move money out of a super fund could impact the level of insurance cover you had through that fund. It’s possible your insurance cover could be discontinued when you move between funds, or you may not be able to obtain equivalent cover in the new super fund. It is recommended that you check any exit fees that may be payable to your other fund(s), and any insurance cover you may have that cannot be replicated, before making the decision to move and consolidate your money.

Once you have weighed up the benefits against the costs of moving super funds and do decide to consolidate; here are a few tips to keep in mind:

How do I consolidate my super?

Consolidating your super can be made easy depending on the facilities that your super fund of choice has to provide. For instance, check with your super fund of choice if they have any tools which can provide you the required forms that need to be sent to your other super funds to authorise the transfer of funds to your new fund account.

Otherwise simply get the ‘Request To Transfer’ form relevant to your super account of choice and fill this in to get the ball rolling with the consolidation of your super funds. Just make sure you have the right proof of IDs attached to your forms to help your new super provider organise the account.

Doing what’s best for you, and your super

There are new rules designed to keep super safe from money laundering and terrorism-financing for all Australians. This means proof of identity is required to move money around the super system. It’s a small extra step in the process to protect your money. Proof of identity can be as simple as a certified copy of your driver’s licence or passport. If you don’t have either of these documents, contact your new super provider to get more information. There are other documents that can be certified as proof of identity.

Find your lost super

One in three Australians have lost or unclaimed super, totalling almost $12 billion as mentioned by ASFA media release on the 21st of December 2007.

The Australian Tax Office (ATO) provides a free ‘SuperSeeker’ service to help people locate super accounts they’ve lost track of. If you’ve changed jobs more than once, chances are you’re likely to find some super money through the ATO.

To use ‘SuperSeeker’, have your Tax File Number ready and visit www.ato.gov.au/super or call the ATO on 132 865.

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