Category Archives: Mount Kisco

Mt Kisco NY Real Estate | Oklahoma’s real estate rebirth | Inman News

Oklahoma's real estate rebirth

Strong economy, jobs spell good news for Realtors

By Steve Bergsman, Friday, September 16, 2011.

Inman News™

House under construction in Oklahoma. Image via <a href=House under construction in Oklahoma. Image via Shane Wilson Link/Shutterstock.

During the 1930s, tens of thousands of Okies and other victims of the Dust Bowl left their farms in the center of the country and headed west to California to find work.

It’s time to come back.

Not only is Oklahoma thriving (personal income growth at 8 percent is the fifth best in the country), but unemployment is well below the national average, all sectors are showing job growth including construction, and the housing market is very healthy.

What turned my attention to Oklahoma was a report from Hanley Wood’s Housing Intelligence Pro that showed two of the state’s biggest cities were in the top five in median price growth at the start of the year.

The Oklahoma City median housing prices jumped 6 percent, while Tulsa sported a healthy leap of 5.6 percent. Only two Texas cities, San Antonio and Austin, and Cape Coral-Ft. Myers, Fla., looked better. The latter metro, one of the hardest-hit areas during the current recession, sported outsized numbers, up 19.6 percent, that was really a claw forward from near decimation of the market.

The salubrious numbers for Oklahoma are due to much finer stuff.

First, population growth: More than 50 of Oklahoma’s 77 counties grew in the last decade as overall population expanded by 8.7 percent to 3.75 million, according to Census Bureau data.

I asked Lisa Noon, CEO of the Oklahoma Association of Realtors (OAR), what was going on in her state and she quickly rattled off a series of highlights:

  • State revenues were up 15.5 percent over last year.
  • Oklahoma City ranked in the top 20 metro areas for strong economic performance. The city not only added 2,000 jobs in the oil and gas sector, but, surprisingly, since 2008, it gained 2,500 jobs in the tourism and hospitality sector.
  • Double-digit growth in tax commission collections (a good sign of economic growth).
  • Construction job growth near the top in the country.
  • Statewide residential building permits doubled since the start of the year.

"We didn’t have any evidence of a housing bubble, so we had no aftermath," said Dan Rickman, a professor of economics at Oklahoma State University.

Up until the 1980s, Oklahoma’s economy was almost totally dependent on oil and gas, which had a huge bust-up early in that decade sending the state’s economy into a severe recession. Since then, the state has become much more diversified economically.

"We used to counter the U.S. cycle," Rickman explained. "Now we follow the rest of the nation, but energy is still important enough that it gives us a cushion. When the U.S. economy was heading into a recession in 2007, we enjoyed a big surge in energy prices."

Although the service, hospitality, medical, call center and manufacturing industries all have grown exponentially, the important thing about the energy industry is that "it’s a very high-income sector and that spills over into a lot of other areas of the economy," Rickman said.

Two major oil and gas companies, Chesapeake Energy Corp. and Devon Energy Corp., are based in Oklahoma City, with the latter currently constructing a 50-story headquarters building.

As can be expected, the biggest benefactor of the state’s healthy economy has been Oklahoma City, the capital, with a population in 2010 of 579,999, up 14.6 percent from 2000 (metro-area population of 1.25 million). That’s good news for the housing market.

"In June, our average home price was $163,600 and that’s down a little from May, which was $170,000, but in May we had several million-dollar home sales," reported Steve Mann, a broker/associate and auctioneer at Paradigm AdvantEdge Realty in Oklahoma City and president of the Oklahoma Metropolitan Association of Realtors.

"Our list-to-sell-price (ratio) is 97 percent and our average days on the market in June was 85. We had 9,000 listings in the metro area a year ago and we have 9,100 listings this year. And we still have new construction."

The city also hasn’t experienced a severe REO (real estate owned homes) problem.

"Up to this point, we haven’t had enough REO properties to affect pricing," said Chuck Harris, broker/manager with Century 21 All Pro Real Estate in Oklahoma City and a specialist in REO sales. "The market wasn’t flooded with REOs and we’ve been real fortunate as we’ve been able to turn most REO properties under 60 days. We are getting families as well as investors."

Regarding the foreclosures Oklahoma City has experienced, "we’ve been able to absorb and get them closed out," Harris said.

Oklahoma City hasn’t been the only beneficiary of the state’s economic well-being. Although Tulsa, the state’s second-largest city, lost a bit of population during the past decade, down 0.3 percent to 391,906 from 2000 to 2010, the city added 2,943 jobs since the first of 2010, mostly led by the manufacturing sector.

The city of Edmond, in the Oklahoma City exurbs, saw its population jump 19.2 percent from 2000 to 2010 to 81,405. According to OAR’s Noon, "the cost of living there is 8 percent below the national average."

Then there is the unique case of Ada, Okla., 88 miles southeast of Oklahoma City and with a population a tad over 17,000. According to Noon, the city’s jobless rate is so low it might actually be negative.

So far this year, Ada added 465 government jobs, 444 service positions, 398 manufacturing slots, and 333 new employees in oil and gas extraction, and filled 222 openings in accommodation and food service industries.

"A number of employers and entrepreneurs are doing extraordinarily well in that area of the state," said Noon.

Judging from the economy, it really looks like Oklahoma is OK, if not better.

Author’s note: Special to Inman News readers, you can purchase the "Growing Up Levittown: In a Time of Conformity, Controversy and Cultural Crisis" e-book for $5.99 (a 25 percent discount off the list price) by entering discount code ZX59A at the following website: Smashwords.com/books/view/76878. Read a column about the book: "The birth of modern suburbia."

Steve Bergsman is a freelance writer in Arizona and author of several books. His latest book, "Growing Up Levittown: In a Time of Conformity, Controversy and Cultural Crisis," is now available for sale on Amazon.com.

Contact Steve Bergsman:
Email

Email

Letter to the Editor

Letter to the Editor

Copyright 2011 Inman News

All rights reserved. This article may not be used or reproduced in any manner whatsoever, in part or in whole, without written permission of Inman News. Use of this article without permission is a violation of federal copyright law.

Mount Kisco NY Real Estate | Septic system checkup | Inman News

Septic system checkup

Homeowners face varied regulations

There’s an older home in the neighborhood that was occupied by a single woman for more than two decades. When she died of cancer a few years ago, her son inherited the home and moved in. Not long after, the septic system failed and had to be replaced.

Eric Knopf, owner of Indigo Designs Inc., a company that designs and maintains septic systems, said that septic systems definitely have a life span. “You can get about 30 years on a home’s roof. Some cars will get you 200,000 miles; some maybe 300,000. Septic systems also have a definite life span.”

According to the Environmental Protection Agency, an estimated 30 percent of all households use a soil-absorption septic system to dispose of waste. A properly designed, installed and maintained septic system is comprised of a watertight container, drain field, and adequate soil conditions beneath the drain field.

Only 32 percent of all septic systems in existence meet the criteria for adequate soil absorption, due to the presence of bedrock, sandy soil and high water tables.

Here’s the quick scoop on what happens in an on-site septic system — i.e., the sewage treatment a home needs if not hooked in to a community sewer:

Wastewater leaves the house and enters the septic tank. The septic tank acts as a holding tank and allows the solids to settle. The heavier solids sink to the bottom forming the sludge layer; the lighter solids — fats, oils and grease — rise to the surface and form the scum layer.

The relatively clear layer in the middle is called effluent. While this is going on, naturally occurring anaerobic bacteria begin breaking down the solids in size and destroying the pathogens, or germs.

As the effluent enters the drain field, it percolates through the gravel bed where a large portion of the pathogens are destroyed. Pockets of oxygen created by the uneven shape of the gravel allow the more efficient aerobic bacteria to exist. As the effluent exits the drain field, the natural soil completes the treatment process.

By the time the effluent has traveled 2-3 feet through the soil, all the remaining pathogens have been destroyed.

“What happens in a septic tank is a beautiful thing,” Knopf said. “You have all these little critters working together. When you introduce something that kills what they are doing, it disrupts the process — at least for a while. What’s going on in there is fairly robust and will come back.”

Jim vonMeier, who operates www.septicprotector.com, advises homeowners to have their septic contractor inspect the system in the beginning to get a benchmark of how the system is operating because they can tell when a system is “cooking” properly.

Medications are one potential disruptor to septic system processes. “The drugs people take can have a negative impact on a septic system,” vonMeier said.

“Antibiotics, for example … kill bacteria in your body, but that killing process does not stop there. When you go to the bathroom, you are flushing those antibiotics out to your septic system, where they kill the ‘good’ bacteria in the tank and soil. Chemotherapy drugs can also have the same effect.”

States and counties have different rules and regulations regarding on-site septic systems. For example, Washington’s Kitsap County requires that all developed property utilizing an on-site sewage system have the system inspected and evaluated through the Kitsap County Health District prior to conveying the property to a new owner. New homes and businesses that have never been occupied are exempt.

“It’s common to hear that the best solution to pollution is dilution,” Knopf said. “While systems do recover, they are not designed to take everything we give them. For example, in Washington state, kidney dialysis patients are allowed to install a small drain field just for that use. It just depends where you are and what you are dealing with.”

Tom Kelly’s new e-book, “Bargains Beyond the Border: Get Past the Blood and Drugs: Mexico’s Lower Cost of Living Can Avert a Tearful Retirement,” is available online at Apple’s iBookstore, Amazon.com, Sony’s Reader Store, Barnes & Noble, Kobo, Diesel eBook Store, and Google Editions.

Mt Kisco NY Real Estate | Weighing the Pros and Cons of Custom Website Design

Your website is an incredibly important component of your online marketing. While that may seem like a “well, duh” statement, there’s no shortage of poorly designed websites to make it worth saying again. First off, your company’s website may be the first (but hopefully not only) impression your brand gets to make on a potential customer.

What does your website say about you? Is it outdated, cluttered and unappealing? Or is it simple, streamlined and professional? Secondly, your off-site SEO is only as good as your site itself. You can invest the man hours into building an incredible portfolio of diverse, quality inbound links second to none, but if all those links lead visitors to a poorly designed site they’ll leave just as fast as they came. All your off-site SEO efforts go right out the window.

Developing a good website starts with one question: “Do I want to pay for it?”

There are hundreds upon thousands of free website templates for you to choose from when building your site. Some are great, and some should never see the light of day. Chances are you’ll have to sort through a lot of the latter before you find one that you can make work for your brand and site goals.

Pros of Free Website Templates

1. They’re free.

If you’re brand new business launching a brand new site, you may not have the budget for a professional, custom website design. Using a free template means you can allocate your limited budget elsewhere.

2. Plug and Play

Since free templates are ready-made, you can just drop your information in and launch it. There’s minimal backend work needed on your part. New domains need time to earn a trust factor with search engines. The sooner you get your site launched the more time you give yourself and your site to do so.

3. You can do it yourself

When you use a free template, you’re the designer. You can make changes at 2 AM if you feel like it – you call the shots.

Cons of Free Website Templates

1. Other sites look the same

The best free website templates get used a lot. You’re probably not the only one to stumble upon that certain perfect design for your site. There might be hundreds of sites that look just like it.

2. People can tell when it’s free

Most free templates don’t hide the fact that they’re free templates very well. Unless you do some serious editing to create a custom header and footer, most people can tell.

3. It might not mesh perfectly

Since the template wasn’t designed specifically for your site, you may not be able to create your ideal site.

If you decided you did want to pay for a custom website design, there’s no shortage of great web designers and developers willing to do the work for you, if you don’t have the skills.

Pros of Custom Website Designs

1. It’s whatever you want it to be

No need for compromise when developing a custom website. You can build it to look and feel however you want.

2. Accurately reflects your brand

You aren’t trying to fit a round peg into a square hole when you custom design your site. You are the only one with this design. Every aspect of that site is designed to reflect your brand and online goals. You can customize your site design to fit in with the rest of your Internet strategy.

3. You don’t have to worry about it

If you don’t know anything about web design and development, hiring a professional to do it for you lifts the burden off your shoulders so you can concentrate on other things.

Cons of Custom Website Designs

1. It can get expensive

Depending on skill level, a web designer or developer could charge you anywhere from $35 to $300 dollars an hour to build and maintain your site. Even if you just want to make small changes, it can get very costly very quickly.

2. Changes may take time

When you’re not the one handling the web design, you have to count on a 3rd party to make the needed changes. Developments might not happen as quickly as you’d like.

There are pros and cons to both free templates and custom designs. You have to decide what makes sense for your business and your budget. New sites may want to stick with free templates until they have more wiggle room in their budget. Established brands might want to create a custom design to ensure their online and offline branding align properly. Whatever your reasons, just make sure you think it through before you go live!

Mt Kisco Realtor | 4 Link Building Strategies for “Too Busy for Link Building” Local Businesses

Great tips Brent. I’m going to share this on my Google Places and Local SEO news channel at Scoop.it.

While I understand that in some hyper competitive local searches link building is essential, for most local businesses it is not.

I have SEO companies that come to me for my Advanced Google Places and Local SEO training all the time that say “I’ve backlinked the hell out of this site and can’t get it to rank.”

In LOCAL it’s more about some very specific on-site factors that make all the difference. I get local companies in the 1, 2, 3 spot all the time that don’t have ANY links and I’ve never built a backlink. Just took a Dentist from #16 to #2 in one day by tweaking his site. (No links, no Places optimization).

Oh and I’m talking the new ‘blended’ algo that’s 90% based on organic SEO, not the old 7 pack Places algo that is totally different. That one is not controlled by backlinks or on-site at all.

But again it’s all relative and based on the competition. So I’m not negating the need for links, it’s just that in local it’s not the be-all, end-all some people make it out to be. So much easier to optimize a site than to build backlinks. But if you need to build links, these are some great tips!

Mt Kisco NY Homes | The day we can’t forget: Sept. 11, 2001 | Inman News

The day we can’t forget: Sept. 11, 2001

Real estate industry reflections on the 10th anniversary of 9/11

Editor’s note: Inman News reporter Andrea V. Brambila assisted in compiling this report.

The first time we visited the World Wide Web. The call to bring down the Berlin Wall. The elation of the first moon landing.

The assassinations of John F. Kennedy and Martin Luther King Jr. Pearl Harbor.

9/11.

These are events that shape generations. In our thinking, our actions, our culture. Our government. Our future.

Our fears.

I awoke on Sept. 11, 2001, to a distressed phone call from my Mom. “It’s horrible.” I was still spiraling out of sleep, and this just wasn’t making sense.

“What’s going on?” I asked. Something big.

Nothing felt safe in that instant. I recalled how years earlier, during a cross-country adventure with a few friends, we toured the public observation deck in one of the Trade Center towers and marveled at the epic and breathtaking view. Gone.

All of us, even those not directly touched by the loss of friends and loved ones were impacted, too.

Sept. 11, 2001, was the most significant globally historic event in my lifetime since the symbolic crumbling of the Cold War, when people chipped away chunks and pushed down whole sections of the Berlin Wall. And how different those events were.

Earlier this week I was talking with my best friend, a schoolteacher, about how 9/11 changed the U.S. How it changed us. We pondered whether the youngest generation is somehow different, in mindset and even behaviorally, having grown up in a post-9/11 environment. And whether the changed security environment has significantly impacted our daily lives and outlook.

I’ve still got a tourist trinket from that New York City visit years ago — it’s a tiny copper-hued metal model of the Trade Center towers that my kids will no doubt ask about. And I’ll have to explain what it is and what it means to me. And what that day means for all of us — even those of us too young to remember.

Inman News reached out to our readers and columnists and asked them to reflect on the impacts of 9/11. This report also includes reader commentary from the September 2001 Inman News archives, and links to real estate-related articles about the anniversary. Please share your thoughts in the comments section below.

Margaret Kelly
CEO
Re/Max LLC
“Because of the magnitude of the tragedy, 9/11 is one of those unforgettable moments that I will remember the rest of my life. I will never forget where I was and what I was doing. It became a day that I was glued to the TV trying to understand exactly what had happened, and what it might mean for our future. But I also remember how good it felt to see our country come together.

“Even today, when I read accounts of what happened in New York, it becomes a very emotional moment, reliving the accounts of heroism and the suffering. I pray for the victims and their families, and hope we never experience an event like that again.”

Charlie Young
President and CEO
ERA Real Estate

“I was in a meeting in Ohio when I heard the news. Time seemed to stand still, but my mind started racing with worry: for my friends and neighbors who worked in the city, for my family in N.J. I drove home in a rental car — because the airports were closed — and was struck by the absolute absence of planes in the sky, and a pervasive stillness that hung everywhere.

“When I got home, I witnessed the American spirit in action, watched how we all banded together and worked to support our friends, families and neighbors through such a difficult time. Our separatism disappeared: Differences were erased as we focused on the grief we shared and learned that we were more similar than we thought. At the time, we seemed more united than ever before, but 10 years later, we seem to have lost the strength we found in each other.”

Andrea Altieri
Broker-manager
Cherry Creek Properties
“I lived in Washington, D.C., on 9/11 where I watched my friends and neighbors wait for news about loved ones in the Pentagon and on airplanes. We huddled together and watched the Pentagon burn, wondering if it was the beginning of the end. Business didn’t seem very important.”

Gerald Bushnell, owner-broker, Ace Realty Inc.
“My wife and I sat in front of the TV in disbelief as we watched the brutal attack in our coma-like state. The first tower was on fire and no one knew why. After many minutes went by we watched in horror as the second plane crashed into the adjoining tower. We continued to watch all day as the towers collapsed and listening to the news about the other airplanes crashing in Pennsylvania and the Pentagon.

“We were the owners of Ace Realty Inc. in Dallas, Texas, a small but successful real estate company that specialized in selling condominiums. I had just received a shipment from China of Sign Boots, an invention I had created that cleans dirt off the sharp tips of metal real estate signs.

“The National Association of Realtors’ convention was taking place the following week in Dallas and I had a booth set up and ready for the thousands of Realtors that would be flying in to attend the convention. The convention opened their doors as planned only without the thousands of Realtors.

“Many committed nearby Realtors drove to the convention, but Realtors that lived outside of the area were unable to jump on a plane because flights were canceled. Besides, no one wanted to leave their families and homes to travel during this troubling time.

“Real estate sales slowed. September, October and November were the worst sales months for the year, and in December business started back up again.

Erica Lockwood
Executive recruiter
Joseph Chris partners
Indiana

“All of the 9/11 stories and pictures make me feel like it was just yesterday. My stomach has that wrenching feeling and tears start to swell up as the memories come flooding back.

“Ten years ago (on Sept. 11) I was on a business trip in Philadelphia. Our flight was to leave on 9/11 after our last appointment. Standing in the middle of a Starbucks I heard the unbelievable news. Someone rushed to get a tiny TV so that we could watch what was happening.

“The bridges and highways were shutting down — threats of bombs were everywhere. We saw the first tower had been hit, assuming like most that it was an accident, and then saw the second plane fly directly into the second tower and then couldn’t take our eyes off of the TV — even as the towers fell and the news reports (announced) that we had been attacked by terrorists.

“I recall a woman running out of the Starbucks hysterical because her son worked in one of the towers, and countless others having relatives or friends who would most certainly be somewhere in or near Ground Zero.

“Thankful that the rental car was still in our possession, we made the quiet trip across Pennsylvania, Ohio and back home to Indiana. Every time I see that bright blue fall sky I can’t help but remember that day and how it forever changed our lives.”

Kris Berg
Broker-owner
San Diego Castles Realty
Columnist
Inman news
“Sept. 11 was a dichotomy for our family. My husband was three days into a six-day backpacking trip in the Sierras. While he was enjoying the freedoms we have so long celebrated, unaware of the events unfolding, those of us who remained connected feared for those same freedoms.

“As I readied my then-middle school children for what should have been another routine day, my oldest daughter said, “Look, Mom. New York is on fire.” No time for television, I told her. We would be late. Perhaps foolishly, I deposited them in front of the school as the second tower came down.

“For me, Sept. 11 marks a day of remembrance — remembrance of both heroes and ordinary people who would be driven to do extraordinary things in the face of adversity. It is a day when I pause to reflect on how precious are the freedoms that we take for granted and that from acts of hate can be born true united communities of tolerance and compassion.

“As for my husband, he emerged from the wilderness two days later to have another backpacker on his way into the park recount the story, a story my husband initially discounted as some lunatic’s rantings.

“And when he finally confirmed the events, my husband too was left with a renewed sense of the importance of family and community — and renewed sense of national honor and pride.

Lisa Ludlow Archer
MyCarolinaHome.net
“I can remember exactly where I was. In a high-rise working at a big bank in uptown Charlotte. My dad was flying from Boston to (Los Angeles). I didn’t hear from him till late that afternoon. (It was the) scariest, and a life-changing, day. He quit his 30-year career in computer consulting and got his real estate license.”

Kevin Lisota
CEO, co-founder
Findwell
“Where was I on 9/11? Well, this was before my days as a real estate agent. I was working in the tech industry for Microsoft. I was flying from Japan to Seoul, South Korea, for a new product launch when it happened.

“The vice president of my division and myself arrived at the hotel in Seoul at about 11 p.m., and turned on the TV to witness the Trade Centers collapsing. Obviously it was a night of watching CNN and checking on things at home.

“Our product launch the next day went on as planned, with some heartfelt comments by the Microsoft vice president. We ended up being trapped in Seoul for about five days, waiting for the international flights to start back up and eventually getting our spot on a flight.

“Strangely, I think we got back home sooner than a lot of domestic travelers, but it was a surreal trip, with not much to do other than hang in our hotel room and watch the newscasts from back home.

Zachary Hanz
Marketing associate
Entrust IRA Administration Inc.
Chicago, Ill.
“On 9/11, I was in my senior year of high school. My older brother lived in New York, and when the second tower was hit, a teacher pulled me out of class to his office so we could call him.

“It turned out he was OK and had somehow slept through the whole thing. Eventually, school was let out and I sat with my parents glued to the TV. The next day was my 18th birthday, which I spent eating pizza and cake while contemplating joining the military with a few gung-ho friends.”

Mount Kisco NY Real Estate | Online Success Need Not Be Measured in Enemies

This guest post is by Margie Clayman of margieclayman.com.

One of my favorite Elvis Costello choruses goes like this:

“What’s so funny ‘bout peace, love, and understanding?”

I have always liked that song, but I never really thought I would live in a time where that question would resonate. I always thought, “Well, that was written when peace and love seemed hokey, perhaps, or maybe impossible. It was more than a rhetorical question when Elvis first sang it.”

And yet, as I sit here in the year 2011, I have to ask the same question. What is so funny ‘bout peace, love, and understanding? It sure seems like all three concepts are running into a PR crisis in the online world.

“You’re nice. That’s so boring.”

I have gotten picked on a bit over my year in the world of social media. Why? Because I’m nice. I’m lovey dovey. People have told me that it’s really boring listening to someone like me because I never ruffle any feathers.

To put it kindly, I think that’s a totally ridiculous sentiment.

Sure, you get a powerful response if you call someone out, bash someone, hurl insults, or say that someone is really stupid. There’s no question that ruffling feathers tends to be great for attention-grabbing and traffic spikes. So what?

If you want to entice people to read your blog posts, what about the concept of writing really good content? Really thought-provoking content? What about writing about something people aren’t writing a lot about? Like, I don’t know … like being nice, maybe? Why does excitement in the online world, or interest, have to be synonymous with cruelty or malicious intent? I’d rather be boring and nice than enjoy a modicum of success at the expense of others.

“If you don’t have haters, you’re doing something wrong.”

This is another phrase I’ve seen a lot in the online world over my year navigating the wild Internet waters, and I also think it’s utter nonsense. Why are we measuring success by how many people hate us? There is no other realm that I can think of in the human world where we measure success that way.

“Congratulations, Daisy. Everyone in your department hates you so we’re going to promote you now!” That just doesn’t happen. So why do we need to pull out haters instead of a yardstick when we talk about measuring online success? What is this need to have people attack us all about?

How do I measure my online success? I look at how many people say they enjoy my posts. I look at the solid relationships I have built. It’s not exactly a revolutionary concept, folks.

“Women can’t be successful because they can’t be narcissistic morons.”

My friend Sean McGinnis ran into a post that made this claim: that women may not find as much success in the world because women just can’t be egotistical or selfish enough.

First of all, let me tell you about some of the women I’ve encountered in my life. If you want to know about knife stabbing, in-it-for-herself, ruthless, downright cruel women, I could spin ya a yarn, sonny jim. That’s not an issue.

Second of all, what?!? Are we really saying that success rests on how much you make people want to throw up when they see you? I mean, that doesn’t sound like success to me. That sounds kind of like, I don’t know … crazy-sauce?

The glorification of “Ick!”

Next to the glorification of failure, I find the glorification of crassness or cruelty to be the most nauseating thing I’ve encountered on the Web. You should not be applauded for breaking your Censor button. You should not gain accolades because every other post has an f-bomb in it. Surely there is more to online success than being someone who invites comparisons to male and female genitalia? I mean, really. Can we aim a little higher?

Then again, maybe I’m just a boring nice person.

You tell me what this is all about.

Margie Clayman represents the third generation at her family’s marketing firm. She is the resident librarian at the Blog Library and is the resident blogger at www.margieclayman.com.