Jo, I've been thinking about you this afternoon. Here's a few suggestions (use them if they seem worthwhile & toss them if they don't!): 1.) Start building relationships with every lender in town. Stop by & ask to meet with the head of lending. Residential lending is so automated today that processors & closers (unfortunately) don't have the cloute they did ten years ago. Since they are not the decision makers they used to be spending your valuable time building relationship with them is not productive. Rather, meet with that head of lending. Tell them you are new. Ask for their business & tell them why YOU will work harder to move their REO inventory. It's a good place & opportunity to learn to ask for "The Close"...something every salesperson has to learn. Also, REO business is easier, IMO. Then, follow-up on your visit with a written note & a dozen of your cards. If you haven't heard from them in 3 months...call again & this time invite him/her out to lunch. Ask the lender who they prefer as a title company, law office, inspector, appriser, etc. After speaking with half a dozen lenders, you'll start to get a snapshot of who's who in town. Then, spend your energy building relationships with those firms & leave the others for later. 2.) Builders...residential builders are really fun people. They were my favorite part of the real estate industry. They, however, are notoriously disorganized & rather poor at anything other than building. Get to know all of your SMALL, local builders (not the big guys...that's a waste of time, IMO, for you in the beginning). Go in with knowledge of their products & a plan to help them market. Keep your name in front of their face even if they currently have nothing to sell. Your building relationships at this point not trying to actually get a listing or make a sale. Builders love, love, love to bu##sh#t so allow a full half-day to meet with one of them! lol You'll learn more about your town's real estate industry in 3 hours from a local builder than six months in your office! 3.) Immediately begin attending the monthly Homebuilders's Association meetings in your area. This was absolutely THE best networking I ever did. 4.) Personally, I did not enjoy the monthly Realtor's Association dinners nearly as much as the builder's. But, you'll need to attend every month & force yourself to meet 3-4 new realtors at every dinner. More relationship building... 5.) Title companies can be tougher. But, I'd still recommend stopping by every one in town & dropping off your cards (probably won't get past the receptionist so leave them with him/her). 6.) My DH is an attorney as well as head of lending at a major financial institution. He works in NY. In NY, attorneys play a fairly large role in real estate. So, find out who specializes & go meet them with a dozen more cards. ASK for his business! He's got lots of clients who'll someday need to sell/buy a home. Also, then when you meet again across a closing table from each other it's easier to negotiate. 7.) Pick a FSBO (or two) & attend their Open Houses. Offer to prepare a CMA. Assure them there's no strings attached. Hope if they don't sell...they'll remember you. Leave 2 cards with them. 8.) A couple things I did over the years when I had a subdivision with a lot of homes I needed to sell in a single community... a.) I made arrangements to reserve the local community center for an evening. I prepared a speech on "Getting Ready To Purchase Your First Home". I advertised the heck out of my little speech (sponsored by my bank but you could ask your broker for sponsorship?). I had lots of hand-outs, coffee, soda, & cookies. I used the overhead with big color glossy pictures of smiling young couples holding little kids in front of their new home. I greeted everybody at the door & gave out business cards. Mostly, what I did was try to get those first-time homebuyers motivated to buy a home feeling that I'd land a few of them at my subidivison I needed to sell & it got my card in hundreds of hands! b.) I realized that I had to learn how to speak up at church, at the "Y" when I was swimming, at the grocery store as I stood in the check-out line, etc. & ASK for people's business. That's tough...the asking part. It a set-up for rejection & as humans we're resistant to it. You've got to lose any fear of rejection you may harbor down way deep inside. It's easier to start with people you don't know too well (like at the grocery store?). Seriously, learning to ask for the close is going to be a make or break skill for you so practice whenever & whereever you get an opportunity. I had many people call me at the bank asking if we had any REO inventory for sale. I'd make an appointment with them & ask about what they were looking for. Then, I'd show them one home I knew they couldn't afford, one I was pretty sure they'd hate, & one I wanted to sell them. Most of the time...it worked. But, I had to ASK for the close! Practice on your family with mock-up situations...unless this is something that just comes naturally to you it's going to be where you need the most work. If you're a natural saleperson...then you'll know when to ask for the close. Good luck...you've made me giggle tonight remembering all of the properties I've sold...like the one near a "babbling brook" with the mushrooms growing on the basement walls! Sold it to a realtor who thought I was a luney-tune for selling it so cheap...thought she could wring the place out & flip it for a nice profit...guess who had the last laugh? hahahahahah Or, the one I sold to an "80 Something" single gent who rode around the neighborhood on his motorcycle wearing nothing but a loin cloth...made his neighbors very upset. I received many threatening phone calls at the bank. Wow, who knew? He seemed so nice at the closing! hahahahahaha It's a fun industry. You'll have a good time. Well, you'll have a good time IF you're a people person. If you don't love people then you'll be miserable. It's not about the houses...it's all about the people. Remember that & you'll do great. Tricia

Timely subject. Our neighborhood just received our property tax assessments for 2016, payable in 2017. Our property taxes have gone up 45%. Our home values have not. We had a refi appraisal within the last year & our home value was less than the current property taxes, prior to this increase. A 45% increase & our taxes are already high. Illinois is number 50, of 50 states, in public pension debt. In the recent past, the federal government has given Illinois stimulus money for education. The majority of that money has NOT gone to schools & students - it has paid for pension debt. We're going to need another bailout from the states that have been fiscally responsible. Edit: We will be appealing - we do every year. The first time we used an attorney, whose fee was 50% of of the tax savings. Then we started doing it ourselves. We have the choice to appeal based on "uniformity" or "overvaluation." "Uniformity" involves collecting & submitting comps of other comparable homes. "Overvaluation" is submitting a home appraisal with a date of Jan 1, 2016 so we get tax credit for the entire year. We've had better results with the home appraisal, overvaluation method. Everyone in our neighborhood's home value has jumped up by between $200,000 - $400,000, according to the taxing authority. I'd have no problem with it if our home value had truly increased, but it hasn't.

After some thought and soul searching this evening, I decided to paint a color that I love while also showing respect for the Victorian style (and will fit in with the neighborhood). I love how you worded it @liasch "goodbye gift" to the home. I need to rethink my strategy but I will say that I've learned a lot about color, architecture, and most importantly exploring the creativity that you all shared with me. Where should I go from here? Should I create a new post? Should I include all the house colors around me? When looking for a professional designer for services, what are some questions I should ask so I know I won't get scammed or be disappointed? Thank you everyone who contributed to this discussion. I've learned a lot here!

I live in a semi-rural area of NM. I moved here from Southern California roughly 19 years ago and absolutely love it. When we first moved here though, there were things I did not know to even research. You may be ahead of me there but just in case: 1. As mentioned above, check the water situation. My guess is that on a lot that size you would have a well, so the drilling depth is important. There are some areas with water co-ops or shared wells. If this would be the situation, definitely check the financial stability of the co-op or the cost sharing agreements. Many co-ops do not have the funds to address problems as they arise. In my area, some wells are going dry and people are hauling water to their place, which would also limit the viability of selling their homes, too. 2. Related to ne would be the septic. I know of some sites that have required expensive systems because the area is too rocky, etc for digging. 3. High speed internet has been lacking in the state. There are talks of improving it, but that could take a long time to get off the ground. I am only 30 minutes east of Albuquerque and the fastest internet we had for a while was 3 mbps. My area finally got a line of site internet provider where I do much better now but waiting for it to be available took a long time. 4. Roads: Many rural roads in NM are private which means that they are not maintained by local authorities. Most of the time this is fine, but when there is a wet monsoon, or a heavy snow, there are many roads that are unpassable and people are stuck in their homes. In the winter time, it is not as bad because once the mud freezes you can drive on it, but the warm days mean being stuck at home. Also, during the heaviest winter weather, the rural roads are plowed the least often and they are often plowed last. Private roads are not plowed by the county when there is snow. Granted, the gravel roads that are supposed to be maintained by the county does not guarantee how often they actually do it. The flip side of the snow equation, is that I have wonderful neighbors where somebody has come out and plowed the roads in our subdivision. There are quite a few tractors and ATVs with snow plow attachments that it has not been an issue for me, but there are many others who are not as fortunate. Looking at land can be exciting. I hope you can find that magical place that speaks to you.