It is well-worth the cost and I think I pay $600 per month and if I get sued I have to pay the first $25,000, but when I was sued without having EPLI insurance I was visioning my ex-employees owning my apartment buildings and I lost 30 pounds because I would get up every night at 1 am and work all night putting documents together.The worse and most-aggravating thing about the Civil Lawsuits is my employees sign three documents every week acknowledging that they took all their breaks and my employees enter the number of hours they work every day on their time cards in their own handwriting and not one of the employees who worked for my company worked overtime and every employee signs a legal Wage Earning Statement every week, but the attorneys still file the Civil Lawsuit and they don't care who is right or wrong because they know that I will pay money to make the cases go away.So, if you want to expand, then make sure you create documents your employees sign every week stating that they acknowledge that they are entitled to the 10-minute uninterrupted, 1-hour uninterrupted lunch breaks and make sure they sign stating they took their breaks, create two copied of Wage Earning Statements, make sure your employees sign one copy and check to make sure your Wage Earning Statements cover everything they are supposed to cover e.g. tracking overtime, tracking vacation time allowed and vacation time used, etc.You never know what employee will sue you and if an employee is seriously injured I am the first person who wants to make sure that employee is 100% covered by workers comp, is covered for disability and I want to back that employee up like he is my own child, but even when an employee is covered by insurance many employees are snakes and they turn against you and many employees are seriously injured and their lives are upside down.

@Ryan Pounds It is laid out nicely in the book, 'How to Get Started in Real Estate Investing' by Robert Irwin.

It turns out in Oregon there is no prescriptive rights to cross state lands.. the state said pound sand..

And so does the Streets Department, which is responsible for the scarce 5-pound paving stones, generally used for restoration in Philadelphia's colonial areas around Independence Hall.The tip led to the arrests last week of Gustav Propper, 49 years old, of Philadelphia, and Joseph Monkewitz, 36, of suburban Glenside, on charges of theft, receiving stolen property, criminal mischief and conspiracy.Mr.

For those pounding their chests, let's remove the ego as we all have a common goal - financial freedom.

You want something that will not harbor spiders, and other unwanted insects, otherwise you will have more problems. 

All it takes is one of your owner - partners to refuse to sell his share to you (or to anyone else) and you are stuck with an unwanted partner and a property that is unsellable on the open market.

If I wanted to come in at 10 in the morning, pound through all my work and leave at 3, she honestly didn't care - so long as my work was done, done well and done on time, which it very nearly always was.  

IE very low value assets IE rentals in Urban cores that trade for the value of used auto's  ... so for sure I can see instances were agents that have a 10k listing are only doing the minimum you would go broke spending all your time on those deals as an agent.And the unlicensed wholesalers have pretty much taken up this niche of helping sellers out of these assets... as its really an unwanted product for most brokers.Thats whats great about this industry its diverse always changing and very much regionalized... what a lot of folks don't really comprehend though or are short sided on..

I wish you the best of luck.I'll a good look at "unwanted" vacant land to get you started.