He wrote to me for my mailing address as he said he wanted to send me a small gift.  

Could do 2-4 per year.6: Spotlight a Pro Member of the Month and have a quarterly spotlight (recognize them in a special highlight area) or prize (kindle, gift card, free trip to conference, IPad, etc) for most post or best input or something.7: Better Indexing of the Shared Files that would allow for Pro Members.

In fact, my HELOC balance has dropped down again and I was considering making another payment to the mortgage, but with holiday travel and gifts I'm going to hold off and do it in the spring.)Payoff date Jan 2024Projected interest savings $203,000The things I keep coming back to are not the interest rates and how I'm saving money over 30 years instead of 5 and all that, but the fact that $10,000 was COSTING me $20,000 in interest to pay in the old way and about $1200 in interest to pay in the new way and that all my income is going toward paying down the HELOC whereas just a portion of it was going toward paying down the mortgage.

Talk to your accountant about 'gifting' your limit is 11.2 million and your spouse has the same.

All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserved.

It's a rare gift.  

The 1.6 acres was gifted to us and we will eventually inherit a 110 unit facility next to our lot.

I really like @Sharon Vornholt suggestion to go to the open houses and take a gift.

So i would follow that up with something like a postcard or a thank you letter or small gift and that will set you apart.

It is a beautiful gift from the government.