Today is National Organize Your Home Day

To Do List and key holder

Today is National Organize Your Home Day.  It is a good reminder of the importance of having an organized home and no it’s not to avoid shame if company drops in unexpectedly.  Rather, our home should be a place of refuge from the crazy world we live in. January is a great time to get your home in order; the weather outside is frightful so naturally we spend more time indoors and in our home. I bet like me de-cluttering, simplifying, or organizing made its way to your New Year’s resolution list.

Speaking of the New Year, have you pulled together last year’s financial records? I like to use a colored envelope for all my tax records (this year’s is blue). I went thru my files from last year, shredded the documents I don’t need to keep 7 years and put the rest in the envelope. When my W2 and 1099s show up, I’ll add them too. By early February I’ll be ready for my accountant.

If the cards you buy tend to be of the belated variety, try Send Out Cards. They will send real cards thru the mail to your friends and family for you. Simply upload your contacts and their birthdays, pick out a card or create your own, tell SOC to send the card on your friend’s birthday and forget about it. In one day, you can setup deliveries for the month or year!

We have photos galore and since I’ve been researching our family tree other family members keep gifting me their photos. So while it is hard to tell, I have made progress scanning picture as I try to reduce the actual photos in the house. I’ll keep plugging away at it in 2015; hopefully it will start to look like I’ve made progress soon.

The lack of visual confirmation of progress with the photos got me looking for a project that I could see more immediate results. The linen closet was my chosen target. Now that that is done, I will spend some time shredding some of the incredible amount of non-financial paper I seem to constantly accumulate, while I contemplate my next de-cluttering project.

Tax Assessment Genealogy Style

Old Tax Assessment and Census lists are coveted by genealogists. They are a great way to mine information about our ancestors. US Censuses from 1850 to date are pretty easy to follow, all the family is listed with information of interest to the government for that particular decade. Before 1850, the information provided takes a bit more sleuthing to decipher what was collected. This is why I'm SO excited about a website I just stumbled upon Mother Bedford's Tax Assessment Returns. 


First off, Mother Bedford refers to Bedford County Pennsylvania. Bedford County was once a huge mother of a county, but as time has gone by, several other counties have be formed from towns that originally were a part of Bedford. Pretty much all of my ancestral lines spent at least some time in Mother Bedford so it is particularly helpful that this site shares such useful information. 

While I have been doing my genealogy for a few years, I am in no way an expert. I knew enough to collect early american tax records when I found them, but I haven't quite figured out what all the information means. Tax Assessments include names and value of property. Individuals were listed on the early tax assessment returns in one of four categories: Resident, Freeman, Inmate, and Non-Resident. (Women rarely own property. Upon their husband's death, his property transferred to his oldest son. Occasionally you may find a Resident listing a Widow Smith., indicating there was no male to leave the property too.)

• Resident: Married man who owns property and resides on property
• Freeman: Single man who owns property and resides on property 
• Inmate: Any man who rents property he resides on   
• Non-Resident: Any property owner who does not reside on said property

Thank You Mother Bedford! The definition of Freeman helped me narrow down the marriage window of my 2nd great-grandparents Mary Shoenfelt & John Ritts. Taylor Twp was formed in 1856. At that time a list was published of all land owners. John Ritts is listed as a Freeman, while his father Thomas was a Resident. John therefore was married sometime after June 1856 and before September 1857. 

And Mother explained the inmate code! It's nice to know my ancestor wasn't a criminal. Now if I could remember which ancestor had this notation on their tax record I'd be totally psyched. Since I don't and I don't want to forget the definition when I finally find him, I've written this blog.

Pennies on the Dollar? (Part 1)

We’ve all heard the infomercials touting the great investment opportunity of tax lien investing. So can you really get homes for pennies? Well yes and no.

Counties need the funds from property taxes to pay the Sheriff and so on. Somehow these counties need to collect the taxes due. If the taxpayer cannot meet their obligation, then the counties look to outside sources to pay those taxes. The how to collect unpaid taxes are determined by the state. States either collect the unpaid taxes through tax lien sales, tax deed sales or a combination of the two.

Through tax lien sales you can purchase a lien for unpaid taxes on a property with the right to foreclose at a future time. Note the right to foreclose is not the guarantee to the property. Tax Lien states such as Arizona or Florida annually sell unpaid property taxes as liens to investors at an agreed interest rate. (The top interest rate in Arizona is 16% and 18% in Florida.) During the sale/auction, investors bid to win the right pay the taxes owed and place a lien on the property. After a period of time set by the state, generally several years, the lien holder if still not paid back has the right to initiate foreclosure proceedings on the property owner. Even during the foreclosure process the property owner can pay the tax lien and associated costs and keep their property. It is the aforementioned interest rate that attracts investors like myself to tax lien sales rather than the chance to acquire property.

At a recent sale I purchased an $800 lien on a property valued at over $80,000, hence the term “pennies on the dollar.” If after three years the property owner has not paid their back taxes, then I can begin the foreclosure procedure. I don’t expect to acquire this property; my objective is to earn a 12% rate of return on my investment until the property owner can settle up with the county.

An investor will typically only get the property about 2% of the time as a result of purchasing a tax lien sale certificate. That’s a far cry from the ads on TV. Tax deed sales result in the investor acquiring the property, but is it really “pennies on the dollar”? Check back for Part 2 for the answer.

Cleopatra - the Search for the Last Queen of Egypt

While I was in Philadelphia I went to the Franklin Institute’s Cleopatra Exhibit.  Archeologists have been digging in the Mediterranean Sea for the old city of Alexandria, home of Cleopatra.  The exhibit contains the finds from the bottom of the sea.  Among them are a couple of huge statues of pharaohs. Watch while the archeologists pull the pieces up from the sea floor then reassemble the statues for the first time in several centuries. It was fascinating watching the film then turning around to see the statues up close. Somehow they survived not only centuries under water, but a Tsunami and earthquakes, it’s amazing.

Another intriguing artifact was a papyrus document signed by Cleopatra. In the note to an official of the government, Cleopatra forgave all taxes for a friend of Marc Antony. Even in ancient Egypt political favors were the normal course of business.

Archeologists are currently on a quest to find Cleopatra’s final resting place which they now believe is 30 miles away from Alexandria. In a few years, we may be able to see the final resting place of Cleopatra and Marc Antony. I look forward to seeing what the archeologists find. In the mean time, if you’re in Philly, stop by the Franklin Institute. The Cleopatra Exhibit is worth the price of admission.

Another Potential Loss for Libraries & Students

Yikes the EBSCO database is on the chopping block due to the state’s financial crisis. What is EBSCO besides an unpronounceable bunch of letters? It’s a collection of databases mainly geared towards students. Do you need age appropriate reading material, or grade appropriate research for a history project, or a magazine article for tomorrow’s class? These databases are the answer. I began tutoring my nephew at the beginning of this year.  Now it’s been a long time since I had to write papers or study for exams, so it’s been a challenge getting back into the mindset to be able to effectively help him. What a great resource these databases are. Funk & Wagnallis Encyclopedia is a terrific starting point for research reports. I’ve used the NoveList to draw up a reading list for my nephew. But, far and away the most popular features are the magazine & newspaper archive searches. EBSCO provides free access to thousands of magazines/newspapers including the LA & New York Times. Alas, unless there is a change of heart during the budget debates this fabulous resource will cease to be accessible to NJ libraries after June 30th. 

A Double Whammy for NJ Libraries

As if the Governor’s proposed budget cuts to libraries weren’t enough; Assemblyman John Dimaio has introduced an elimination of the required appropriation for the funding of free municipal libraries. Instead library appropriations would be the amount deemed necessary for the proper maintenance of the library by the municipal governing body. I fear the lawmakers in Trenton do not value libraries. Libraries are the cornerstones of our towns. They house the past, present and future of our communities. They provide the resources for all of the community to grow and achieve their potential. In these economic hard times Libraries and their resources are needed even more. While the budget crisis requires cutbacks in all areas, the proposed cuts along with A2555 will cripple municipal libraries across the state.

Please click on the link http://www.njleg.state.nj.us/SelectRep.asp and send an e-mail to your state representatives in the 25^th district in support of your library.