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Ok, good evening everybody. What I want to review tonight is my own direct experience with real estate taxes and making a change on my assessed valuation of my home. So I am fortunate enough to own a home it happens to be in Westchester County, which is in New York State, which is the highest real estate taxed county in the United States of America. Westchester County is #1 and Rockland County is #2 and I live in the Town of Pelham which has 2 separate taxing authorities, the Town of Pelham and the Village of Pelham as well as the school district, so I get big tax bills like everybody else and one day I received this letter from the Village of Pelham. I will read just the beginning of it. You are hereby notified in ance with the requirements of Section 510 of the Real Property Tax Law, your tentative assessment. 2015, $620,000 and 2016, $635,000, so translation, they are increasing my assessed valuation by $15,000 in one year, with no explanation of why. I donamp;#39;t believe the val