[Online & Offline Marketing] How I made $35,000 from a Foreclosure | Step By Step

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Hello all. It's been a while since I posted a step by step for you guys. Today we will be talking about our sucky economy, real estate foreclosures, online marketing and things we can do to make money.

We all know that our economy is going to hell and foreclosures are at an all time high. This situation opens the doors for a few smart people to follow new paths towards financial independence.

All it takes is a little bit of work and creativity to get started.

Here we go.

Not too long ago I was researching all of the houses & lands that were going in foreclosure for non payment of taxes and found 17 properties that did not owe a mortgage, federal liens or any other liens besides taxes.

I proceeded to send letters (Carleton Sheets Style) to the owners informing them that their property was going in foreclosure and that I really hoped they could save their property (which I really did) but that if they were not planning on saving their property for any reason, I would be interested in taking it off their hands.

The letters are designed to inform them that their property is going in foreclosure because a lot of the times these people are not aware that they are.

The government sends them a letter to their last registered address and a lot of the times the owners have moved.

The second part of the letter says that I wish that they could save their property which I really do.

Third part of the letter says that I have the money to go bid on their property right now but I would feel awful always knowing that their house was foreclosed on specially if they did not know anything about it.

Fourth part is my offer. Usually $500 - $1,000 bucks for their deed and I would also pay the outstanding taxes. (That way they at least would get something)

I also include a self address stamped envelope & a quit claim deed already filled out so all they have to do is go to a notary to sign and return.

From the tons of letters I sent, I received 3 back.

2 of them wanted way too much for their properties (which sold at auction for a lot less)

1 of them was from a gentleman who was about to be deported. I met with the gentleman and he decided to take $1,100 in payment for a quit claim deed on the spot.

With the quit claim deed on hand, I then went to public records to register my new property.

Because the property changed hands, they had to stop the auction and INFORM everyone again that the house is going in foreclosure and the process takes 3 full months.

Now, here is the trick!

Since real estate is not selling (I tried)

I decided to let the house go to auction for non payment of taxes!!

The reason I did this is because I know that every single county anywhere in the United States will cut you a check for any overbids.

What this means is that anything over what the government is owed comes back to the owner on record.

In my case, The house owed $7,000 in taxes & sold for $42,000 (I'll tell you how in a minute)

Internet Marketing

Since now I had 3 extra months I decided to market this shitty house online.

I made a ton of image ads and used Easy Ad Poster to market the house all over Craigslist. When I say all over Craigslist I mean all over my state every day, 2 times a day for 3 months.

I also used wordpress and made a site for the house with all it's pictures and all of the information supplied by the state about the house including images of all the legal paperwork supplied by the state.

It was pretty easy to do since the state has all of the paperwork already scanned and turned into pdf.

I also set up an email address for the website itself.

The Auction

On auction day, I proceeded to go there early so I could talk to people and see how many of them were there for my property (To see if the marketing was good) and to my delight I had 43 people there for my house alone.

People that have never gone to an auction before but decided to go because everything they needed including auctions rules, methods of payments etc was already in the website I made.

My property goes on the auction block and people start bidding from the opening bid of $7,000 all the way to $42,000 in increments of $100 which made the auction look like it was taking forever.

Getting Paid

To get paid all I had to do was fill out a W-9 and Affidavit of ownership with the state and wait for my check

Step-by-Step

1. Research tax deed sales online for your county
2. Send letters to owners & include a quit claim deed
3. Speak to the owners that are interested in your offer since they planned to let it go anyway
4. Decide what you will do with the property whether a regular sale or let it go to auction
5. Promote your property online like crazy
6. Attend the auction and see your property go
7. Go to public records and fill out papers claiming your overbid
8. Wait 3 months for your check

There are a ton of ways to make money from this sucky economy. All you have to do is open your eyes and see the opportunities around you
#main internet marketing discussion forum #$35 #foreclosure #made #marketing #offline #online #step
  • Hi,

    Now THAT'S entrepreneurialism in a nutshell.

    Thanks for sharing.

    Anyone else got any 18 letter words to use?
    • [2] replies
    • Here's an 18 letter....

      holy****ings**tman!!!

      Very very impressive stuff... I love stories like this.
      • [ 1 ] Thanks
    • WOW. That's thinking outside the box.
      • [1] reply
  • Banned
    [DELETED]
  • Thanks guys.

    The post is designed to get your thinking caps on. There are a ton of ways to milk bad economies.

    Here is an idea for those of you that can work with your hands for quick cash:

    Go to public records and ask them where you can get a hold of the list of property owners who are getting fined by the government daily because their property is in disrepair.

    Send letters to these owners which right now is mostly banks and offer your "Board up" service.

    Meaning that you will board up with plywood the windows and doors, cut the grass and do some general cleanup so the house will stop receiving daily fines from the government.

    Charge at least $1,000 in profit on every house and you're up and running

    You will also help communities by closing these properties down and keep drug dealers, perverts, criminal elements etc from entering the property
  • I always enjoy your posts!

    Question - wouldn't this effect your credit rating?
  • Hi Jason Thanks for the compliment.

    To answer your question, It does not affect your credit.

    First it is a foreclosure for taxes and the government has no right to report it.

    Second, since it is not a loan in any way, your social security number is not listed anywhere thus no reporting.

    Now, I am trying to come up with a way I can do this with mortgage foreclosed properties but haven't been able to come up with the right method.
    • [1] reply
    • You could purchase the properties that are going into foreclosure and then turn around and RENT them to the previous owners. I know some scam companies do this, but I also know a person personally who was able to stay in his house because of such a plan.

      Then, you'd have rental investment income.
      • [2] replies
  • What state was this?

    Tsnyder
  • That's some Donald Trump shizz right there! That's awesome!!!
  • KillerJoe Thanks for the tip. I am learning as much as i can and will be talking to a lawyer this week to make sure I stay safe.

    Crystalq
  • KillerJoe Thanks for the tip. I am learning as much as i can and will be talking to a lawyer this week to make sure I stay safe.

    Crystalq
  • This is a good idea and I posted an exact step by step method just like this.

    Getting over bids can be done with Foreclosures and Tax Liens, but you can't do it in every state and county for Tax Liens. Billions of dollars go unclaimed in the RE industry and my friend is doing a 15 million mailing and will net no less than 300k. It has potential.

    -----
    Heres how he does it with Tax Liens:

    1. You need to pick a county that allows the homeowner to collect the overbid.

    2. You need to get a list from the county which tells you which homeowner is owed money. (from the tax auction)

    3. You need to find the person (current address and phone number).

    4. You need to call them or mail them a letter or post card stating they are owed 45k (or whatever amount it is)

    5. You collect the money and take a 25%-33% cut. After you get proper paper work. Getting a 100k overbid is not unreal and you can make 25k -33k on one deal.
    --------

    This method can make you rich. And I doubt one single person on this forum will take action on it. RE is booming right now if you know how do it correctly.

    I work with 8-10 figure net worth indivduals that all made there money from investing in real estate.

    You can still sell homes quickly if you know how- one of my friends coaching students netted 200k from selling a foreclosed home in only 1 day.

    Unlike internet marketing where you dont necessary need a plan.. In real estate investing you can lose your shirt if you dont plan it out and focus..

    Many millionaires and billionaires will be made over the coming years because of this situation. Internet marketing is a great stepping stone to make money and REI is a great way to build your wealth even faster.

    Thanks for the great tip. The way I mention it, you don't need to buy, look, or own the property. All you do is find "unclaimed" money- and there is BILLIONS out there.

    In an economy like this I would focus on internet to make money, RE, and gold is also a good investment. Those in the corporate world will feel the crunch the most.
  • MaskedMarketer

    I started receiving those letters the very next day after foreclosure and it was obvious what was happening.

    I am waiting to talk to a lawyer this week to see how that is set up.
    • [1] reply
    • Getting into REI you should consult a lawyer prior before doing any work.

      A power team can also help, but may not always be necessary. Let us know how it works out.
      • [1] reply
  • Hi Angela

    I am not a RE person and this particular thing I did was to test the waters. Not sure how i would be as a landlord since I do not have the patience for it.

    It is a good idea and if I am ever able to help someone like that, I will.
  • Wow, thats awesome. Thanks for the info!
  • Hey Andrew, Long time no see. Hope everything is going good in your neck of the woods.

    To answer everyone else, I do not think renting the properties will be good in my situation.

    I spoke to a lawyer yesterday about "equity stripping" and I was told that as long as I tell the owner of the property that I might or might not make a substantial profit on the deal, I should be ok.

    I received another title in the mail yesterday to vacant land. The note included with the deed said "I want nothing to do with this shit I inherited"

    Property is about 5 minutes from the beach so I'm not sure what I will be doing with it yet.

    Marketing the property on CL was great. The amount of reads of the ads was very high so whenever I get more properties, if I do, that is the way to go.

    I am also setting up more ads for CL offering the boarding up of foreclosed properties service. Will let you know how that goes.
    • [1] reply
    • Absolutely brilliant post. Thank you for sharing this with us.

      While Equity stripping is tricky (read: borderline illegal or illegal in your state), your lawyer should be able to draft something quickly to protect you. If you make sure that you get that owner notification in writing, The deal isn't unwound by a Court after you spent the profits.
      • [1] reply
  • Hi

    Fascinating.

    Please, is there a UK equivalent of this? i.e. in layman's terminology, applicable for the UK market.

    Thanks

    Ian

  • Two Words:

    DAMN INTERESTING!

    This is a Great Post Green!
  • Banned
    [DELETED]
    • [1] reply
    • This post is very interesting, sparks an idea on how to make money using both online and off-line methods.

      A lot of people are wary of the RE market right now but this is the time to make some money. A person that invests right now in this down market will be set when the fog clears.
  • IMChick: I am having something drafter by the lawyer

    iciejay: The people I know in the UK tell me that the public records up there suck. I have never been there but I would imagine that it is the same. The government can't keep the overbids as they were not owed that extra money.

    brucerby: The vacant land was not completely free. The owner gets a few dollars + I pay the outstanding taxes. I am thinking of keeping this one for myself since I love the beach and it is really close to it.

    Jose Delgado: Esa es la propiedad que te habia dicho que se estaba por ir en foreclosure Love the new avatar!

    tallestman: Thanks!


    I will have some CL ads done for tomorrow, maybe you guys could give me your opinions of them when I post them.
    • [1] reply
    • Si me acuerdo.

      Que no abias dicho que estabas teniendo problemas con alguien por eso?

      Lol. Avatar looks good huh.
  • Jose Delgado: Arregle esa mierda los otros dias
  • I live in Canada and don't know how this works in the US but wouldn't the non-payment and foreclosure go against you now that you are the new owner.

    Does that go against your borrowing power now that you have a foreclosure on your record?

    Mike Hill
    • [1] reply
    • In this case, he wouldn't be affected by the foreclosure. Remember this: The property and the loan(or lien) are separate.

      When the house was quit claimed over to him, the only thing that was transferred was the title. Not the loan. The burden of the loan remained with the seller. Don't forget, he didn't obtain a loan to buy the house... it was quit claimed over to him.

      I've been flipping property here in California for the past 5 years. And, this method of buying property is considered buying the the property "subject to" which means, in other words, buying the property "subject to" the existing liens.

      Loan assumption is another term for this but, it's used very loosely.

      They scrutinize this practice heavily these days because many properties bought this way are done fraudulently.

      This is not an illegal practice but, you have to be careful.

      I've bought and flipped over 40 homes and I've made a ridiculous amount of money doing it.

      So his claim of making $35,000 is very believable. I personally think that his money claim is refreshing. Why?

      Well... me and a group of my real estate investor friends have an on going joke towards newbie investors. Many times newbie investors lie about the amount of money they make when they flip a house. Usually the magic number is always $100,000. Which is almost always a big fat lie.

      Unless you get lucky, it takes a few times of going through the process before you can make $100,000 from a flip. I know because I've done it many times. In fact, I've made well over a million dollars flipping properties. Once you learn the entire process, it's not that hard.

      peace...
  • To answer your question, It does not affect your credit.

    First it is a foreclosure for taxes and the government has no right to report it.

    Second, since it is not a loan in any way, your social security number is not listed anywhere thus no reporting.
    • [1] reply
    • If your going to market towards the unclaimed money aspect from over bids to the owners there are certain laws in states that mandate language disclosure in the contracts that you're going to need to use.

      What often happens in this case is the owner realizes that they can go right around you and claim the money themselves.

      Frank Bruno
      • [1] reply
  • marcanthony In this particular case there was no loan at all. The house was free and clear. According to all the websites that give you house values like Real Estate Valuations, Homes for Sale, Free Real Estate Information | Zillow Real Estate the house was worth $116,000

    I tried selling it in this market but had no luck so to auction it went and I used zillow as a "selling point" when advertising on craigslist.

    The house has a $7,000 and some change tax bill and sold for $42,000 even thus the $35,000 profit.

    I wish I could claim the magical "100,000" profit number but I can't

    Maybe someday I will be able but this property was not the one.

    Frank Bruno Yes, this is very true. People are wise to this. You should have seen the ton of letters I received offering the service to me the very next day after auction.
    • [1] reply
    • Very impressive and with the foreclosure situation seeming to get worse, there should be even more opportunities to make a profit.
  • MaskedMarketer Wanna PM me? I have some questions about the unclaimed $$ mailings
    • [1] reply
    • I may be missing the point here but this seems kinda cold to do to someone. Basically they are eligible to get 30k but don't know it...so you offer them a few k. Seems pretty crappy to do to someone.

      How about go to owners and tell them you can get money for them but you will charge a commission. Granted you wont get as much money but won't you sleep a little better?
      • [1] reply
  • Eric Johnson I am here to make the most profit per deal whether IM, real estate or collecting cans.

    The owner of the particular property I made this money from was deported from our country, so it was either what I gave him or nothing. He was happy with the deal since he could not afford to pay the taxes owed.
  • Not hatin on you or anything...Just something that I wouldn't be comfortable doing.

    With the deportation thing, that is different obviously.
  • I'm quite surprised that someone who owns a house free and clear can only make $1,100 from it. In this case, ignorance cost him a LOT of money.

    On another topic, if someone offered me to help me find owed money from the government for a 25% cut, I'd say thank you for letting me know. Then I'd contact a lawyer and pay him much less to show me how to get that money.
    • [2] replies
    • Sorry- i forgot this- equity skimming only applies to mortgage foreclosures.

      In this case, there was no mortgage, and the owner had already sold the property and had no further liability.

      Equity skimming largely comes from people who get a deed and never make up the payments. In this case, there are no payments.

      Hate to give up the cashflow from a property that i bought for $8K total, though!
    • 2 problems with that.

      #1 you wouldnt know where the money was coming from. You wouldnt even know it was government money. Why would I tell you where the money was coming from, if I don't have to. What makes you think you'll find the money if you had no idea about it before?

      #2 for the same service- lawyers have been known to charge even more. Taking up 50% of your money.

      Of course its possible, but everyone is looking to take a cut of your money and won't be willing to do it for a nice profit.

      Many smart people just take 75% of what they are owed because they don't want to do all the leg work instead of someone getting them the money for them in "x" amount of time.

      If you don't get the money in a certain amount of time, it is no longer your money.
  • Another strategy-

    1) Find ANY seller with equity who wants to sell. (Doesn't have to be extremely motivated)
    2) Negotiate a low but believabe price. As low as you and your consience will allow.
    3) Option to Purchase the property for your low negotiated price.
    4) Market the property and sell it for more than step 3.
    5) Collect the difference at closing for your interest in the property.

    That's what I do, and that's what I teach. I teach my clients how to sell properties in 7 days, and then how to capitalize on that skill by Optioning and selling properties without ever owning them.

    We're all marketers- this just cuts out all the garbage of "dealing with" the properties.

    I've done about 120 deals just like this- biggest check was $124,000. All the benefits of real estate investing but without- tenants, rehabs, financing of any kind, borrowing money, cleaning, landscaping, etc.
    • [2] replies
    • cashcorpinc, I like your strategy. It seems like a win/win situation for both parties. Regarding step 4, what if you market the hell out of it but still can't sell it for more than step 3. Are you obligated to purchase the property? If that's the case, then you would need a lot of cash on hand to make this deal, right? I would imagine it'll be very difficult to get a mortgage loan these days.

      Regarding step 5, did the seller ever get angry with you because you were able to sell the property at a higher price and made a substantial profit out of it - like your biggest check of $124,000? If he sees that you are walking away with a $124,000 profit, he might sue you trying to get some of it back.

      Sorry if the questions are too hypothetical. I'm just asking from a layman point of view.
      • [2] replies
    • Cashcorpinc: Sounds like you have a good system for this market. Ever heard of Jason Loucks?. He's in Florida and does something very similar. He sells a course on How-To's of a similar method

      He Options the property at a lower price and then does a 7 day sale (round robin auction) to get his profit. No question now is the time to do these deals as there are a ton of opportunities.

      EditPosted this and then refreshed the screen and lo and behold, it turns out you ARE Jason - ha!)
  • Gary Huynh He had bought the house with the intention of getting his citizenship papers which did not happen. He was deported shortly after.

    cashcorpinc The problem is, will it work with this economy considering that people are not getting morgages?

    cashcorpinc I was informed the same from my lawyer. I also was not looking for cash flo, I needed the lump sum
  • Greenovni,

    Great stuff here, I do enjoy hearing these kind of opportunities being talked about on open forum. Your approach is great, but my concern would be public record filings of foreclosure which can appear on a credit record (bankruptcies appear all the time). I would try doing this through a trust to shield your name as far as ownership. At least this way if a search is done, the name of the trust appears as foreclosed and not your name, social security or not. Name searches on public record may become an issue on title searches with prospective properties & create issues at closings, I would consult a real estate attorney to be sure.

    There are many techniques in Creative Real Estate Investing to take advantage of especially in this market. I personally am an REO Broker for several large lenders here in NJ & unlike many I service 40+ listings statewide in all Counties here. I also have a team of guys currently working 30+ short sales at any given time. To say I see alot in the Real Estate Industry is an understatement. Being on both sides of the transaction, both pre and post foreclosure allows me to interact with a great many people (the scammers, the investors, the real deal makers, & the lending institutions various departmental employees). I have several proprietary ideas I have been working on with regard to a WSO, but I wanted to guage interest before launching. It will consist of a DVD video where I host a Live Event in front of an audience of 550+ students on the following subjects:

    - Creating Equity Positions On Upside Down Properties Through Short Selling
    **Using Negotiating Skills To Discount Debt And Re-Create Equity For Profit**

    - Creating Delays/Dismissals On Foreclosure Actions Using Pro-Se Legal Filings
    **Put The Bank On The Defensive & Obtain Delays Or Free & Clear Profits**

    - Leveraged Buyouts Of Non Performing Liens Yield Six Figure Income Results
    **Profit Using A Hybrid Of Note Buying Mortgage Assignments/Short Sales**

    The 3 Live Event DVDs are accompanied by 3 Instructional CDs Containing Course Materials & Templates for all of the Subjects Outlined. Also Included With The 3 Live Event DVDs & 3 Instructional Cds are 2 Case Study CDs Showing The Application of these ideas into real world situations which prove their merit with Substantial Returns & Repeatable Results. I wanted to make an Initial Production Run Of 100 Courses to gauge the interest. I figured getting the over 550 people in NJ was no big deal, but as a newer Internet Marketer, I am unsure how to gauge demand for such a product. I wanted to market at $495 for the package upon launch, but also do a limited WSO offer of 100 courses at $295. Would anyone here be interested? Send me a PM if you are. If I get 10 PMs, I will have a WSO up in a week.

    I know times are tough for many in Real Estate, Wall Street, Banking, & other various sectors. I try to take that fear away and show hope. Times like these (as cliche' as it sounds) come once in a lifetime (name a time you have seen the government bailout to the tune of 1 Trillion Dollars +). I replace fear with Giddy Excitement. Many dont realize that opportunity is knocking at this very moment, and if you are smart enough to let it in, you stand to create Not Just Regular Wealth Through Real Estate, but Generational Wealth that can be passed down your family line if you bring your A-Game to the table.
    • [1] reply
    • Interesting...so you are not obligated to purchase the property.

      I wonder if it is possible to approach banks with this strategy.

      1) Secure an "Option to Purchase" contract for their foreclosed properties.
      2) Market the hell out of it.
      3) If it doesn't sell then you don't lose anything except your time and a small marketing expense.
      • [1] reply
  • I started putting the new ads on CL about boarding up foreclosed houses and have a few hits. Lets see what this week brings
  • Thanks for the great post. I enjoyed it
  • You're very welcomed.

    I just opened the mail to ... nothing

    Tomorrow is another day I guess...
  • For those of you following this thread.

    The new owner of the property just contacted me and offered me $500 for a quit claim deed so he could remove any clouds from the title.

    Any of you have any pros or cons about signing a quit claim deed to him?
    • [1] reply
    • Clouds on the title? What clouds? You went through the normal closing process, right? Title insurance was issued, right? Did it reveal any unresolved title issues? The answer has to be no, because if there had been title issues, the policy wouldn't have been issued, and the sale wouldn't have closed.

      I don't understand the need for a quit claim deed.
  • foxtrot3 You must read the first post before answering. There is no normal closing process on a tax deed auction
  • Sorry- i got a little click happy and hit enter before I realized never even answered the 2nd half of your question!

    Since you've got an Interest in the property, if a Seller gives you grief, you can keep them from having clear title, making it impossible to sell the house to anyone who needs a mortgage (i.e., regular people- they could still sign a QC deed or something but then THAT owner would have bad title!)

    The real truth is that screening out a-holes is 90% of the battle in real estate or any other business, and that applies here, but once you have the Option, the ball is in your court.

    Truthfully I've only had a problem twice, and both times it was with a seller I knew was going to be a problem, but the $$'s clouded my judgment!

    If you try to do this on REO's (already foreclosed on), it's tough because the banks want a big deposit, a cash contract and you won't have access to show and sell the house.

    On PRE-foreclosures (before the bank owns them) it works great!

    On short sales, you have to know what you're doing to close them, but it works extra-great (because of the lower payoff).
  • Hi Green, Been waiting for you to report back on this
    project. Glad it worked out. As per forclosures I went
    to the Hillsbourgh County sale last week. They had 31
    properties. 28 did not receive a single bid. They are now
    bank REOs. The interesting thing was the three that did
    sell. ALL were over mortgaged by significant amounts.
    None received a bid for anywhere near the forclosure
    amount. The average was about 50 cents on the dollar.
    The banks EXCEPTED ALL THREE BIDS and let the houses
    go. The banks seem deperate to get this stuff off their
    books. Don't be afraid to low ball.

    T.W.
  • Thomas Wilkinson Yeah, mortgage foreclosures are receiving hardly any bids at all. The tax deed auctions are another story and I think might be a way to create wealth quickly.

    I an now working on a campaign to see if I get other properties before the tax deed auctions.

    I just saw a new place in Orlando that is selling their condos fully furnished including plasma tvs and complete sound systems.
  • Where can I find Jason's system?
    • [1] reply
    • Hi Greenovni-

      Check out 7 Day Sale Guy for my system.

      NOTE TO MODERATOR: I'm not sure how much promotion is allowed, so if this isn't cool, please modify or delete it- I'm not trying to screw with the system, just answer a question!
      • [1] reply
  • Thank you cashcorpinc

    Ritch, it seems to be pretty easy so far. I am about to try something new to see if I can capitalize on the bad economy.
  • Hey Greenovni....we need to talk. PM me for details....I have something that may interesting you!

    Cheers,

    Chris Negro
  • This is all so interesting! How do I find out if my state/county will give me the money for the profits from the tax auction? All this time I thought they just kept those profits after they took someone's house or property away, and thought how they must make a lot of money that way!

    Kathryn
  • This was an interesting read. I could not profit on other people's misfortunes and be happy about it. Money is not everything. We should help people out because we can and worry about profit another day another way...

    TomG.
    • [1] reply
    • Tommy,

      Some will and some won't .. you are a good man if you can help others with your profits ... I know plenty of people that use their profits from real estate to help the community for the better cause
  • chrisnegro I just noticed your post. PM on its way

    ibringjoy Call your county's comptroller and ask them what they do with overbid monies I am pretty sure that they have to give it to the owner on record @ the time of auction

    tommygadget People are just walking away from these foreclosure, not sure if it is lack of knowledge or that they are sick and tired of the situation.
    • [ 1 ] Thanks
  • The only problem I see with this strategy...IS THE KICKER...IS THAT THEY HAD NO MORTGAGE ON THE PROPERTY AND COULDN'T PAY THE TAXES. The problem specifically I see is the slim chance of finding ANYONE with no mortgage on the property (#1) and (#2) if they did not have a mortgage on the property....the chances that these people can't pay their taxes are very slim to known.....only in extreme rare circumstances...would find a scenario like this....

    However....I'm open to be teachable on this. Thoughts?

    Sincerely,

    Chris Negro
  • chrisnegro You would be surprised at the stuff I've been able to find
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