Nassau county property appraiser

Anyone have the most recent version of the Character Reference form for Nassau County?
Please scan and upload, or provide a link to it, so we can all submit it with our initial paperwork. I presume it would say Bruce Blakeman's name at the top? Thanks!

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Defying a last-minute appeal by former President Donald Trump, the Texas House voted overwhelmingly Saturday to impeach Attorney General Ken Paxton, suspending him from office over allegations of misconduct that included bribery and abuse of office.

The vote to adopt the 20 articles of impeachment was 121-23.
The stunning vote came two days after an investigative committee unveiled the articles — and two days before the close of a biennial legislative session that saw significant right-wing victories, including a ban on transgender health care for minors and new restrictions on public universities’ diversity efforts.
The vote revealed substantial divisions within the Republican Party of Texas — the largest, richest and most powerful state GOP party in the United States. Although the party has won every statewide election for a quarter-century and has controlled both houses of the Legislature since 2003, it has deep underlying fissures, many of them exacerbated by Trump’s rise and influence.
Few attorneys general have been as prominent as Paxton, who made a career of suing the Obama and Biden administrations. One of Trump’s closest allies in Texas, along with Lt. Gov. Dan Patrick, Paxton unsuccessfully sued to challenge the 2020 presidential election results in four states.
Attention now shifts to the Texas Senate, which will conduct a trial with senators acting as jurors and designated House members presenting their case as impeachment managers.
Permanently removing Paxton from office and barring him from holding future elected office in Texas would require the support of two-thirds of senators.
Impeachment was supported by 60 Republicans, including Speaker Dade Phelan and all five of the representatives from Collin County — where Paxton and his wife have lived for decades. All 23 votes in opposition came from Republicans.
Afterward, Paxton called the vote “illegal, unethical, and profoundly unjust,” adding that he looked forward to a quick resolution in the Senate.
The move to impeach came less than a week after the House General Investigating Committee revealed that it was investigating Paxton for what members described as a yearslong pattern of misconduct and questionable actions that include bribery, dereliction of duty and obstruction of justice. They presented the case against him Saturday, acknowledging the weight of their actions.
“Today is a very grim and difficult day for this House and for the state of Texas,” Rep. David Spiller, R-Jacksboro, a committee member, told House members.
“We have a duty and an obligation to protect the citizens of Texas from elected officials who abuse their office and their powers for personal gain,” Spiller said. “As a body, we should not be complicit in allowing that behavior.”
Paxton supporters criticized the impeachment proceedings as rushed, secretive and based on hearsay accounts of actions taken by Paxton, who they said was not given the opportunity to defend himself to the investigating committee.
“This process is indefensible,” said Rep. John Smithee, R-Amarillo, who complained that the vote was taking place on a holiday weekend before members had time to conduct a thorough review of the accusations. “It concerns me a lot because today it could be General Paxton, tomorrow it could be you and the next day it could be me.”
Saturday’s vote temporarily removes a controversial but influential Republican figure in Texas and nationally. He has led an office that initiated lawsuits that overturned or blocked major Biden and Obama administration policies, particularly on immigration; sought to reverse Trump’s electoral defeat in 2020; aggressively pursued voter fraud claims; and targeted hospitals that provided gender care to minors.
The Legislature had impeached state officials just twice since 1876 — and never an attorney general — but the House committee members who proposed impeachment argued Saturday that Paxton’s misconduct in office was so egregious that it warranted his removal.
“This gentleman is no longer fit for service or for office,” said committee member Rep. Ann Johnson, D-Houston. “Either this is going to be the beginning of the end of his criminal reign, or God help us with the harms that will come to all Texans if he's allowed to stay the top cop on the take, if millions of Texans can’t trust us to do the right thing, right here, right now.”
Rep. Charlie Geren, R-Fort Worth, a member of the investigative committee, used his presentation time to criticize Paxton for calling representatives as they worked on the House floor to “personally threaten them with political consequences in the next election” if they supported impeachment.
Speaking against impeachment, Rep. Tony Tinderholt, R-Arlington, called the process “wrong.”
“Don’t end our session this way. Don’t tarnish this institution,” Tinderholt said. “Don’t cheapen the act of impeachment. Don’t undermine the will of the voters. Don’t give Democrats another victory handed to them on a silver platter.”
The vote came as hardline conservatives supportive of Paxton’s aggressive strategy of suing the Biden administration were lining up in support of him. Trump — a close political ally to Paxton — blasted the impeachment proceedings as an attempt to unseat “the most hard working and effective” attorney general and thwart the “large number of American Patriots” who voted for Paxton.
Trump vowed to target any Republican who supported impeaching Paxton, adding after the vote: “What is our Country coming to?” In the evening, he called Abbott “missing in action,” asking followers on his Truth Social network, “Where is the Governor of Texas on his Attorney General’s Impeachment?”
As lawmakers listened to the committee members make their case, Paxton took to social media to boost conservatives who had come to his defense, including Trump, U.S. Rep. Marjorie Taylor Greene, R-Georgia, and conservative radio host Grant Stinchfield, who tweeted, “Kangaroo Court in Texas.”
About 90 minutes into the debate, the official Twitter account of the Texas attorney general’s office began tweeting at members of the committee to challenge some of the claims being made.
“Please tell the truth,” the agency’s account said.
Under the Texas Constitution, Paxton is suspended from office pending the outcome of the Senate trial. The Senate had recessed before the House voted to impeach, and Patrick, who presides over the Senate, did not immediately respond to a request for comment about a timeline for an impeachment trial.
Because Paxton was impeached while the Legislature was in session, the Texas Constitution requires the Senate to remain in Austin after the regular session ends Monday or set a trial date for the future, with no deadline for a trial spelled out in the law.
The constitution also allows the governor to appoint a provisional replacement. Gov. Greg Abbott had not weighed in on the calls to impeach Paxton and his office did not immediately respond to a request for comment Saturday.
Impeachment represents the greatest political threat to date for Paxton, who has been reelected twice despite a 2015 indictment for felony securities fraud and an ongoing federal investigation into allegations of official misconduct that began in 2020.
The impeachment vote capped a tumultuous week at the Capitol. From Tuesday to Thursday:
Paxton abruptly accused Phelan of presiding over the chamber while drunk and demanded that he resign.
The House General Investigating Committee revealed it had been investigating Paxton in secret since March.
The committee heard a three-hour presentation from its investigators detailing allegations of corruption against the attorney general.
The committee’s three Republicans and two Democrats voted to forward 20 articles of impeachment to the full House.
Paxton, who was comfortably elected to a third term last year, made a rare appearance before assembled reporters Friday to criticize the process, saying he was not given a chance to present favorable evidence. He called impeachment an effort by Democrats and “liberal” Republicans to remove him from office, violating the will of voters and sidelining an effective warrior against Biden administration policies.
“The corrupt politicians in the Texas House are demonstrating that blind loyalty to Speaker Dade Phelan is more important than upholding their oath of office,” Paxton said. He added, “They are showcasing their absolute contempt for the electoral process.”
Many of the articles of impeachment focused on allegations that Paxton had repeatedly abused his powers of office to help a political donor and friend, Austin real estate developer Nate Paul.
In fall 2020, eight top deputies in the attorney general’s office approached federal and state investigators to report their concerns about Paxton’s relationship with Paul.
All eight quit or were fired in the following months, and most of the details of their allegations against Paxton were revealed in a lawsuit by four former executives who claim they were fired — in violation of the Texas Whistleblower Act — in retaliation for reporting Paxton to the authorities. Paxton’s bid to dismiss the lawsuit is awaiting action by the Dallas-based 5th Court of Appeals.
According to the lawsuit, the whistleblowers accused Paxton of engaging in a series of “intense and bizarre” actions to help Paul, including intervening in an open-records case to help Paul gain documents from federal and state investigations into the real estate investor’s businesses. They also accused Paxton of directing his agency to intervene in a lawsuit between Paul and a charity, pushing through a rushed legal opinion to help Paul avoid a pending foreclosure sale on properties and ignoring agency rules to hire an outside lawyer to pursue an investigation helpful to Paul’s businesses.
In return, the whistleblower lawsuit alleged, Paul paid for all or part of a major renovation of a home Paxton owns in Austin. Paul also helped Paxton keep an extramarital affair quiet by employing the woman Paxton had been seeing, the lawsuit said, adding that the attorney general may also have been motivated by a $25,000 contribution Paul made to Paxton’s campaign in 2018.
In their report to the House General Investigating Committee on Wednesday, the panel’s investigators concluded that Paxton may have committed numerous crimes and violated his oath of office.
Investigators said possible felonies included abuse of official capacity by, among other actions, diverting staff time to help Paul at a labor cost of at least $72,000; misuse of official information by possibly helping Paul gain access to investigative documents; and retaliation and official oppression by firing employees who complained of Paxton’s actions to the FBI.
The articles of impeachment accused Paxton of accepting bribes, disregarding his official duties and misapplying public resources to help Paul.
The articles also referred to felony charges of securities fraud, and one felony count of failing to register with state securities officials, that have been pending against Paxton since 2015, months after he took office as attorney general. The fraud charges stem from Paxton’s work in 2011 to solicit investors in Servergy Inc. without disclosing that the McKinney company was paying him for the work.
The impeachment articles also accused Paxton of obstruction of justice by acting to delay the criminal cases with legal challenges and because a Paxton donor pursued legal action that limited the pay to prosecutors in the case, causing further delays “to Paxton’s advantage.”
Taken in total, the accusations showed a pattern of dereliction of duty in violation of the Texas Constitution, Paxton’s oaths of office and state laws against public officials acting against the public’s interest, the impeachment resolution said.
“Paxton engaged in misconduct, private or public, of such character as to indicate his unfitness for office,” the articles said.
An attorney general had never before been impeached by the Legislature, an extraordinary step that lawmakers have reserved for public officials who faced serious allegations of misconduct. Only two Texas officials have been removed from office by Senate conviction, Gov. James Ferguson in 1917 and District Judge O.P. Carrillo in 1975.
If Paxton is to survive, he will need to secure the support of 11 senators. With the 12 Democratic senators likely to support his removal, any votes for acquittal would need to come from the 19 Republican members.
Several Republican senators issued statements Saturday evening warning constituents and others that their role as jurors in the upcoming impeachment trial prohibited them from discussing the case. In a television interview Thursday, Patrick said merely that he believed senators would be responsible jurors and “do their duty.”
A complicating factor is Sen. Angela Paxton, R-McKinney, Paxton’s wife. State law requires all senators to attend an impeachment trial, though whether she will recuse herself from voting is unclear.
Paxton’s political base lies in the far-right faction of the Republican Party, where he has positioned himself as a champion of conservative causes and a thorn in the side of Democratic President Joe Biden. Paxton has criticized his opponents as RINOs (Republicans in name only) who “want nothing more than to sabotage our legal challenges to Biden’s extremist agenda by taking me out.”
He also retained the backing of the state Republican Party, led by former state Rep. Matt Rinaldi, who frequently attacks Republicans he considers to be insufficiently conservative. On Friday, Rinaldi said the impeachment was Phelan’s fault for allowing Democrats to have too much influence in the House.
“The impeachment proceedings against the attorney general are but the latest front in the Texas House’s war against Republicans to stop the conservative direction of her state,” Rinaldi said in a statement.
Paxton also has maintained a close relationship with Trump and filed an unsuccessful U.S. Supreme Court challenge to the 2020 presidential election. Paxton also spoke at Trump’s rally in Washington on Jan. 6, 2021, shortly before the president’s supporters attacked the U.S. Capitol.
Ken Paxton has plagued Texas for far too long. I'm glad to see a modicum of justice being done.

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TW is for mentions of abuse and sexual assault, no intense descriptions.
I spent my 20s bouncing around living situations because my mom died without warning right before my High School graduation. We grew up dirt poor and I found out a few years ago that she was months behind on rent too, but the house was owned by my grandparents or else we would have been homeless.
A little over a decade later, I found out that a cousin had been pulling the strings behind the scenes and manipulated my grandfather to change over his will. I didn't find out about this until everything was all said and done. My college fund was taken as well, since it was in my mom and grandmother's name, so he got control of it. My cousin even got the house I was told in my teens that I would likely inherit.
The ONLY thing that didn't get stolen through elder abuse was an irrevocable trust set up in the early 90s by my grandparents. I'm the beneficary, and a certified financial planner who has been a friend of the family since the 80s is the trustee. Basically, I can't get money out of it on my own, I have to go through her and she's legally obligated to act in my best interests. Apparently, there was SOME money my cousin didn't know about that went into the trust per my grandmother's will. However, I'm no "trust fund baby". I can't go out and buy luxury items let alone rely on the Trust to pay all my living expenses for the rest of my life.
Here's another wonderful kicker: I'm disabled physically and mentally. Autism spectrum, PTSD, generalized anxiety and major depression (likely related to the trauma and distress over the years). I was born with stickler Syndrome, which is a degenerative connective tissue disorder. Marfan and Ehlers Danlos are more well-known but fall under the same general umbrella, but Stickler is basically that your body doesn't produce collagen correctly, leading to bone, heart, vision, and hearing problems varying in degree from person to person.
I already have severe enough joint problems that physical therapy can't fix. I have fissures, cysts, and completely worn down cartilage and I'm only in my early 30's. I can't walk or stand for more than 20 minutes without severe pain and risk of falls, and I'm not supposed to use stairs frequently. Even sitting for more than 4hrs a day with breaks causes pain.
I've also been having neurological issues including 24+hr headaches and week+ long vertigo that seems to crop up randomly (even today, I was staring right at my laptop screen when I suddenly felt like I was drunk for no reason) and am awaiting an appointment for imaging tests and possibly Multiple Sclerosis testing. All of these things- diagnosed and not yet diagnosed combined, primary care doctors and therapists have agreed that I should be on social security and shouldn't exacerbate some of my conditions by continuing to work (unless I can find something that's fully accommodating).
I grew up in PA but bounced all around during my housing instability. The year before Covid, I was put back into housing instability when my housemate could no longer afford her inherited home and had to sell, so I had to leave the first stable and SAFE home I'd had in almost a decade, and my accommodating job as a result. I struggled to find that stability again, and while Covid was the first time I felt like I wasn't under pressure to find that stability immediately (I was living with a friend) it did fuck up my chances of finding employment once things started opening up again. My friend wanted his rec room back and told me I needed to move out (something he says he now regrets doing, but I understand). My only option was to move with an online friend in CA.
That went spectacularly, by which I mean he turned out to be incredibly histrionic and unstable and almost rendered me homeless. Other online friends helped shack me up in a motel and then let me couch crash for a bit. I ended up losing half my stuff including things from my mom and all my art from the past decade, because he kept changing the goalposts on how and when I could come get my stuff, and technically I was living with him off his lease, and didn't want to render him and his 7yo homeless by trying to take legal action.
My partner is one of his former best friends. Former because he's completed disgusted by what was done to me, and has heard a lot of flat-out lies from this person as to what happened. Shit like saying "multiple therapists warned me about him" to make me look like a terrible person, when 1. He only had 1 therapist and she moved out of network 2 months before this went down so he had none. 2. Feeding a patient's negative thoughts about someone based on hearsay and conjecture is a MASSIVE liability and something any therapist worth their salt knows not to do.
I was working night audit at a small hotel from February of last year until December, when I was immediately pulled and put on state disability by my primary care doctor after a fall while I was alone at work. California's state disability aid is based off taxed income, so there's a limit to how long you can use it. Mine runs out July 1st and after that I have no income and can't work. In CALIFORNIA. A lot of our homeless are disabled because it's so impossible to live in this state if you can't work full time.
I will be applying for SSI, but up until last February, I had NO medical records due to not being able to afford health insurance or stay in one place long enough for appointments. I had my PTSD and depression diagnosis, but not even records of my Stickler birth defect. You need ample documentation to apply for Social Security, and with a rare birth defect and specialists often having to be scheduled months in advance, that's not quick and easy task. I'll FINALLY be applying late this summer.
I acknowledge I'm WAY luckier than most people in my situation, because of the Trust, but that's where my current hurdles are. Like I said, I can't just pull from it willy-nilly, which I'm grateful for in some ways as panic-spending might have depleted me a while ago.
Back in April, the Trustee said that I could get a mobile home in a park back home in east PA, up to 75k$ budget. There are homes in that range, but I also have to keep in mind location and lot rent. With SSI being 914$ federally (PA has no state supplement), obviously I can't go for a park with a 800+ lot rent even with assistance programs like SNAP and LIHEAP. PA isn't a rent capped state thanks to a lot of legislators owning rental properties, so landlords can legally increase rent by a hundred per year (and they have). Ever since the housing crisis, mobile home parks have become the affordable option, and some parks have been bought up by corporations who are trying to price out Social Security recipients so they can get more money from people trying to get out of apartment living but who can afford lot rents closer to apartment rent costs.
Today, my top choice home got scooped up, and the Trustee is saying that she would rather I move back and rent so I can go see the mobile homes in person rather than relying on a local friend to do the tour with me on video call. Which, yes, I agree, except...
How the fuck am I supposed to do that when no apartment- independently or company owned- will rent to me when I am not employed and my only source of income is an irrevocable Trust? My credit score is 684 and climbing, I have no debt history, my current housemates can vouch for me in terms of cleanliness, respect, and always paying rent in advance. Even with all that, landlords want things like last two pay stubs, proof of 2-3x rent in stable income, or someone else who has those things to be on the lease with me.
Room rentals? Also borderline impossible. It took me almost half a year to find my current room rental. I have a cat with an ESA letter, but that doesn't allow me past no pets policies in most room rentals. I also got ghosted more than half a dozen times when I was talking with someone about a rental and then informed them I'm transgender, which could be anything, but I'm willing to wager more often than not it was discriminatory. My physical disability also means I can't get anything that requires frequent stair use, like a basement or upper level room rental, or one of the many split-level historic homes that have been converted into the only low-income apartments in the area. There's even apartment buildings so old they don't legally need to have elevators.
Section 811 exists for disabled folks, but county and city housing agency I contacted either doesn't have it, or it requires you to already be in crisis and unhoused. Senior centers can accept up to 20% resident population that's non-elderly but disabled, but either have NYC luxury apartment prices because of the amenities, or a huge buy-in.
I'm just so. Utterly fucking exhausted.
I spent most of my formative adult years just trying to get stability, while spending my formative childhood years in deep poverty with a mother whose mental health was deeply impacted by a stroke she suffered when I was 16 who laid her hands on my throat once, would alternate between being a loving "hip" mom and screaming at me over mundane bullshit, and would constantly tell me that she could have another stroke and die if I upset her. In my housing instability, I've been sexually assaulted, verbally harassed, or just lived with couples who were constantly fighting.
I want a stable and safe home where I'm not at risk of having to move within ten years. Housing in general is ridiculous, but it's like for us disabled folks, unless we have family or a spouse to live with? Not even the housing options meant to keep us from ending up homeless are available.
I already have my plane ticket (fully refundable) back home for September 9th since I had to book early to get a good deal and lock in my cat's registration for the flight.
I'm just worried that even though I have an opportunity a lot of struggling people don't, I won't even be able to get anything.
If I'm being forced to find a rental, it would be a miracle if I find something in time that won't turn me away for having a cat, relying on Trust for income, being queer, or being unable to use stairs.
I don't want to settle for a mobile home, but likewise, I honestly just want safety and stability. I don't care if it's fucking grandma floral wallpaper and 70's bicolour shag carpet everywhere. It's mine, and the Social security administration is going to force me to spend before I hit 2k$ in assets anyway, may as well throw an entire Lowe's at it.
I know this is a lot, and I honestly don't expect anyone to read it, but I'm so fucking tired and I just want stability before I die (of old age or health, since I guess I'm genetically per-disposed to breast cancer and strokes on top of the rest of all this shit).

Ignorant here. Submitted a verbal offer on a piece of land that was sold in a tax sale by the county to the current owner. He owned it for a couple of years and lives in california. Seller is using a realtor who I talked to.
I called one title company that is charging $1000 for closing for a land purchase of 8k, insane? I felt so. I don't think I paid that when I bought my house.
The realtor said legally I had to close with a title company because it's a property listed by a realtor.... I didn't know that.

Hi all - first time poster and long time lurker here. I purchased my first SF home in May 2021 and deciding whether to keep renting or sell. I acknowledge that I was extremely lucky with market timing and the conventional wisdom here is to hold. Market is Hawaii, and my general view is houses are extremely overpriced due to WFH influx and low supply of houses. My house doubled in value with minimal “value add” capex. Inventory has been very low but in the last 3 months it has slowly built back up. Cap rates are terrible vs what I see on this sub, but it’s a market I know well and have great real estate resources to operate doors efficiently.
House built 50 years ago Purchased for $750k Put $80k of work into it Current debt of $680k @ 2.75% rate Market value between $1.3M and $1.4M (comps imply $1.5M, but seems rich) Rents for $82k a year; net cash flow is about $25k/yr plus ~$15k of debt pay down a year. It’s always been an investment property, so no $250k tax write off.
I view it as $40k of equity return a year. If I sold for $1.3M, I would get about ~$430k after fees and 22% LT cap gains (I think). Said differently, I would get ~11 years of return if I sold today.
House was recently appraised at $1.1M to remove MIP, so the HELOC potential is around $200k at a 80% LTV.
I have some other off market developments that pencil nicely but I don’t have the capital to pursue them, so the proceeds would be put to work relatively quickly. I will also have some dry powder in case the market actually does see a dip.
Would love this groups input on the situation and how I should analyze this (or books / resources to look into). Thanks all!

First time home buyers needing advice- Sorry this is so long, there’s so many moving parts with this situation!
Here’s the situation, we are under contract as of April 17th, the sellers requested a longer close which was fine by us, our close date was originally set for May 23rd, and we’ve had some delays due to heavy rains in Colorado on May 11/12. We never really get this amount of rain, and a lot of homes were affected including the one we’re buying.
The house has two issues- the roof leaking into the garage, so roof flashing repairs + the ceiling/wall in the garage needing replacement, and then the crawl space was pooling water from under the soil and now the entire space needs to be redone with insulation and vapor barrier.
Before the rain damage, inspection and appraisal came back and everything was in. Great condition, like literally nothing to worry about.
The delays we are having are because between May 11 to closing date, all the sellers did was throw some fans in the crawl space and make an insurance claim. They were not proactive in letting us know about damage, getting quotes, getting and repairs started. My realtor found out and immediately got 3 vendors out to give us quotes for repairs and our inspector to asses the damage.
Insurance can’t get out to the property until this upcoming Tuesday (3.5 weeks after the rain) and then the written report done by Friday. So that’s holding things up…
But now the sellers are saying they HAVE to close on Wednesday, are unwilling to wait any longer, and that’s before an insurance report is written up where we even know what’s covered and what’s not, and are offering $5k in concessions to help pay for the repairs.
The average quote for all repairs is $7,000, but all of them said “but we also won’t know until we start”
They don’t want to inform the title company, which means no post-escrow account, because obviously that would delay close because title would NEED repairs to be done, so we’re already being nice not informing them.
The sellers are already moved out, we know they are staying in temporary housing nearby, and are waiting on the sale of the home to buy their next one, and are moving out of state (AKA they NEED this house to close)
Here’s some of the issues we have-

• We agreed to buy the house in the condition that it was in, it’s no longer in that condition, and the sellers didn’t fix it in time for close, and now they are pressuring close for Wednesday
• We don’t know what insurance will cover or not, and the sellers aren’t willing to wait an extra two days to close until we have a report in hand
• We’re not going to blindly buy a half mill house without knowing the extent of the damages
• We don’t want to blow up the deal because we love the house, but we don’t want to get screwed on the repairs that are now in our hands and have to deal with it
• Our rate lock expires in 2 weeks, so we’d get screwed in that, but we’re in an apartment, so we have flexibility to extend our lease so housing wise we’re okay

Our options- 1) take $5k concessions and risk repairs 2) ask for $10k concessions if they want to close without an insurance report 3) put them into a corner and say we won’t close until insurance has written report 4) what would you do??
Thank you!

Is the person who does the property tax assessment that did an "exterior physical inspection" (quoted from the assessment letter I received) allowed on your property? Do they walk around it? Or are they only allowed on the sidewalk/street? It feels like going into your backyard would be trespassing.

State: Colorado (EDIT: City/County of Denver)
Long story short (or perhaps medium): my down-the-block neighbor (and good friend) was served an eviction notice giving him 30 days to vacate for non-payment of rent. I believe it's many, many months overdue. He's pretty lucid generally, but has suffered five strokes and simply doesn't remember to pay things unless they're set up on autopay, which the senior-living (possibly section 8?) apartment complex he lives in does not accept.
He definitely has some money to begin getting caught up, but the property managers seem unwilling to work with him, and having relatively recently moved here from another state I'm pretty unfamiliar with Colorado landlord/tenant law and what the best recourse is here.
He's obviously fucked up here, but that is sincerely due to cognitive malfunction related to not only the strokes, but a TBI he obtained while serving in Iraq, and he's absolutely ready and willing to get back on track. I tried Colorado Legal Services but they can't help him because he does have a part-time job that earns him just barely over their threshold for providing free counsel (but below the threshold for SSDI).
Anyone have any thoughts on the best approach here? I appreciate you in advance.

Hi all, I'm a customer for a local spring water business, and the (single, childless) sole owner is rapidly dying of cancer. Now that some of his customers have rallied and gotten his daily care coordinated (an ex-girlfriend, retired nurse is taking care of him with at home hospice care) I'm turning my attention to bringing his business infrastructure into the 21st century! I'll be taking it over and continuing the deliveries and business after he dies in the next few days/weeks.
I *desperately* need advice on which accounting software to use. I've used desktop Quicken for years for my personal finances but know it's old, cludgy and has plenty of competitors. I'd also welcome recommendations for an inexpensive but customer-friendly web payment processor and website authoring platform/software (his website was written with MS Frontpage 2002!!). I'm pretty comfortable with computers (I've done IT tech support for an ISP) but am hoping for a very short learning curve.
Here's his business model:
He has an artesian spring on his property. He sells up front shares in the spring to new customers, essentially a one-time membership fee of one share per bottle of water they will receive at each delivery. He based his business model on the way owners of goats, sheep and cows sell raw milk.
Each customer buys their own 3 gallon bottles, either from him, or they can supply their own. He delivers full bottles of water to a pre-arranged location at a particular time every Monday, so the customers have recurring subscriptions for their water deliveries. The customers subscribe for the number of bottles they want per delivery (1 - 10, as many bottles as they provide) and choose how often they wish to pick up their water at the delivery location. Customers can choose to pick up their water:

• Once per month (1st, 2nd, 3rd or 4th Monday)
• Twice per month (1st and third *or* 2nd and 4th Mondays)
• Weekly (4 or 5 times per month, every Monday)

He accepts payments by credit card (through PayPal subscriptions), or cash or checks on delivery. Customers can choose to pay:

• Annually
• Quarterly
• Monthly
• On delivery

He also sells empty bottles and some one-off items at a negligible markup either at the pickup location or through his website.
He pays quarterly state and county sales taxes.
Currently he's running this business using a notebook, old style receipt book, paper customer files, PayPal, his personal email and a *very* antiquated, confusing website. I'll pull out all of my hair (and I have a lot of it) if it continues like this!
Thank you in advance for your advice!

In my county, we just got our property tax assessments. According to a news report I read, 70% of homeowners are seeing a tax increase. According to the Nextdoor app, 100% of them are very pissed haha.
My home’s value went up $120,000 from last year. I want to appeal it. I’m reading so many folks giving so much different information. I have a realtor friend who worked up a comp sheet for me. I’ve also heard to include in my appeal a list of repairs that need to be done on the house (my house needs a paint job bad, plus some other stuff). What else should I be doing to prep for this appeal? ALSO- is there a sort of template that I should follow? Like… first this info, then this info, etc?

	30-year
Purchase Price	$330,000
Credit Score	783 (hard pull)
Down Payment	25% ($83,000) *this makes LLPA 0%
Monthly Payment	$2,025/month (includes insurance and property tax)
Interest Rate	7.125% fixed rate 30-year (0 points)
	6.625% fixed rate 30-year (1 point)
	6.25% fixed rate 30-year (2 points) (32 months estimated benefit)

Closing Costs

Lender Fee	$1,500 (waived completely)
State Fees (3rd party charges)	$4,000
Pre-pay	~$2,500 One year of insurance, appraisal, daily interest (15 days) + appraisal (approximately $650)

Sorry for my ignorance. I'm a first time home buyer and nervous about getting ripped off. Can you help me understand if points are worth purchasing?
The broker mentioned that it would take about 32 months for the points to be "worth it", based on his software. Is it worth it to buy the points? If I plan to refinance if the interest rates lower, does that "undo" points?

So I know this is probably a long shot but I was just curious if anyone has any experience in dealing with land banks. There is a vacant city lot next to my house that has such a huge amount of delinquent taxes it’s going through the foreclosure process. A year ago the land bank told us they’d sell it to us once it’s been foreclosed but the bank is still a year or more out from closing on it. The property has been in and out of delinquency for decades and they owe more than the appraised value so it’s most likely going to be repossessed it’s just a matter of waiting. We just had an election in our city a lot of the new people in office are dissatisfied with the amount of time the land bank is taking in foreclosing lots. My question is there anything I can do to try and speed up the process for me like writing a letter to the Mayor or council am I just shit out of luck and have to wait? Is it even worth the effort?

I live at the end of a dead end street in unincorporated Los Angeles County (CA). My "neighbors" across the street from me have an address on a different street, yet place their trashcans on what the LA county assessors website says is my property. My "neighbors" claim it is theirs, and have been rude and combative when I and the previous owners of my property have tried to ask them about this issue, which has been going on for a while now. Do I have any legal standing to ask them to move their trashcans?
​
FYSA: My reasoning for wanting them to move their bins is so I, and/or my guests, can park there because I have a one car driveway and it makes it difficult when having guests over.

Hello everyone,
I recently joined this sub and have been enjoying the oscillations between deal-breakers and no-big-deals! Thanks for all of the great tips and some great laughs.
I've stumbled upon a few potential red flags on my SF86 and I'm hoping for some insight and advice.
• I'm self-employed with an unstable income as a post-production audio engineer for the past 7 years
•I’ve lived at a property that my mother owns for 12 years
• I have an underage drinking charge from 2010.
• My current debt is around $20K from wedding expenses from last year, but except for one late auto payment mistake, I have been consistent with payments. Additionally on my credit report I'm a signer on my mother's and wife's credit cards, which are all in good standing with perfect payments. I have one $750 medical bill in collections due to a Covid ER visit in 2020 when I was uninsured.
• My substance history includes occasional marijuana usage from 2018-2020, but I've been otherwise substance-free for 7+ years.
• I have no foreign contacts or foreign interests of any kind
However, my main concern is recently discovered tax liens of $4800 from LA county. This was due to ignorance about unpaid luxury taxes on a boat under my mother's and my name. I'm concerned that this might automatically disqualify me, particularly for my interim.
I discovered this 2 days ago with an online background check on myself and I'm urgently trying to resolve it before I fill out my SF86 next week, so that I can list them as resolved. I haven’t had any responsibility for the boat itself for ten years, but my mother doesn’t currently have the funds. I don't have the funds either, but I may be able to get help from my father (we have a strained relationship and I’m really not happy about going to him for help). My goal is to get my interim granted so that I can start a job I'm genuinely excited and passionate about in software engineering. The company is a government contractor.
Does anyone have experience or advice on how to navigate this situation? I plan on using additional comments to mitigate. Any input would be greatly appreciated. Thanks in advance!

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As an appraiser and a realtor, one area I would still like to understand better is what is going on with the lender's side of transactions. It seems like a lot more of my refi work is FHA than it has been the last few years. My understanding was the FHA program is primarily designed to help buyers who don't meet a lenders conventional rules (primarily lower credit scores and downpayments).
I'm getting tired of having to give homeowners a list of repairs to refinance a loan on a property they already own. Why are banks using this loan program so much for refis? Is it a signal the borrowers are doing cash-out or have low credit scores or are banks taking advantage of a program that isn't designed for this but gives them lower risks?