I know I saw on this board a while back a list of all the fees that newbies needed to consider before getting a real estate license.

Does anyone know where that post is that includes like the broker fees, realtor fees, other association fees, E&O insurance, car insurance etc?

Here's the list I give out (I'm in Colorado) to my prospective agents:
Costs and Fees (optional costs are in italic). Besides “Other Costs to Consider” and “Expenses for Down the Road” all of the costs and fees on this sheet are pretty basic and most are expected of real estate agents.

START-UP COSTS (about $2,000- $3,500):
o School- $500- $1,200
o State exam- $74
o Fingerprinting-
o Errors and Omissions Insurance- $235 (pro-rated from January 1st)
o Application to state- $150
o PPAR and REIS application fee- $250
o Supra-e-Key set-up- $157.50
o Digital camera
o Yearly REALTOR® dues- $490 (pro-rated from October 1st)
o 1,000 full-color business cards- $100- $150
o Set-up costs with broker- free- $500 (may help pay for training and marketing materials)
o Website set-up- free- $2,000 (optional, but basic and expected)
o Professional photographer sitting- $50-$200 (optional, but basic and expected)
o First mailing and postage to your SOI- $100- $300 (optional, but basic and expected)

YEARLY (included in start-up costs above- $725):
o PPAR dues- $490
o Errors and Omissions Insurance- $235

MONTHLY (about $300-$1,500, depending on the company you join):
o MLS Access- $40
o Supra-e-Key Support- $7.50
o Monthly fees to office- $0- $1,500 ($1,500 would be with a rather expensive 100% company, average is $100- $200 per month)
o Cell phone (you’ll be using a lot of minutes)- $80
o Website- $30- $100 (optional, but basic and expected)
o Website Marketing- $100+ (optional)
o Monthly mailings to your SOI- $100-$200 (optional, but basic and expected)
o Postage- $50- $100 (optional, but basic and expected)
o Memberships to support systems, drip e-mail campaigns, etc. like Sharper Agent or eNeighborhoods- $30-$100/mth.(optional)

MARKETING COSTS- (About $800- $1,000 per listing):
o For Sale signs with post and flyer box- $80- $100 each
o Electronic lock box- $115
o 100 full-color flyers- $30- $50
o Virtual tour- $35- $50
o Just listed/ Just sold post cards- $40- $100 per mailing
o Open house advertising- $50- $200 (newspapers/doorhangers/flags/open house signs)
o Advertising the listing- $100- $1,000 per month

The reason that a lot of newer agents start out working with buyers is because of the expense involved in taking listings. A listing that takes 4 months to sell will cost you between $800- $5,000 ($5,000 would be for a high-end listing with full page ads in a couple of homes magazines, $800- $1,000 would be more typical).

OTHER RECURRNING COSTS:
o License renewal with state- $84 every 3 years.
o Business cards- 1,000 every 3 months- $100- $150

OTHER COSTS TO CONSIDER:
o Health Insurance
o Child-care
o Additional car insurance
o Retirement planning
o If you don’t already have something or if it is not provided by your broker, you will need a good way to keep track of your clients- Top Producer, ACT! For Real Estate, etc.

EXPENSES FOR DOWN THE ROAD:
o Laptop
o Fax machine
o Portable printer
o PDA

Just remember fees and costs will vary depending on your location. Our yearly dues are $360 with also $60 quarterly dues for the MLS. I'm not sure what the supra e-key is but it's either a quarterly fee else it's every six months. $80, I think.

Some brokers may pay your errors and omissions insurance.

Our office supplies some signs (you buy your own riders) and electronic lock boxes, as well as use of an office computer and fax machine.

Our broker will buy the first box of business cards...also you can get 1000 good quality, full color, double sided business cards for $50 online.

In PA, license renewal is $96 every 2 years, plus you must complete 14 hours of continuing education to renew your license.

Some things, like a digital camera (3mp is sufficient for real estate purposes, try to get one with a wide angle lens and some zoom capability) and laptop computer can be purchased for a very reasonable price on eBay (be selective about your sellers though! Only buy high end stuff from someone with over 10,000 feedbacks and at least 99% positive).

So how many of these these things should be taken care of in the first 30 days or in the first 60 days, etc.? Or are you saying that ALL of these things should be paid/purchased when the new agent walks in the door on the first day?

The section labeled "Start Up Costs" would be right up front. The costs labeled "Monthly Costs" will be paid monthly starting your first month, "Marketing Costs" for listings will only be incurred when you get a listing. I'm not sure what specifically you don't understand. If you have a question about when a specific cost needs to be paid, let me know.