The city's name is derived from Fort Steuben, a 1786 fort that sat within the city's current limits and was named for Prussian military officer Baron Friedrich Wilhelm von Steuben.

Unless there are tons of Bear Sterns & Lehman's hiding in the shadows with derivatives and subprime mortgage packages to drop on our heads?

Dun & Bradstreet relies heavily on the financial statement to derive scores and ratings.

I understand that this is the base for the apartment complex analysis, what I am having a hard time understand, you pulled a number out the clear blue sky with no explanation on where it comes from or how you derived at it, and it's that .10 (point 10) that can change everything if I wanted to make it higher or lower, so what justifies the .10?

Any suggestions on how I can derive that prior to getting the land?

I have created a map of the Cleveland area that is derived solely from data (rather than anecdotes/opinions) to show risk level for each census tract and would be happy to show you... just inbox me if you're interested.

For the off months, you'll have to figure out how or if you can derive income to help offset expenses.

You say someone has "too much" because you don't approve of their use of their property(ies) and you feel that someone else, perhaps yourself, would derive greater benefit from the property.

Look at the most successful people in any field, and they could have stopped working years ago - they don't b/c they derive meaning from what they do, & the satisfaction that comes with overcoming professional challenges. 

I also want at least two years of living expenses in savings accounts insured by the FDIC or NCUA.I have $2,500 a month of living expenses (frugal lifestyle), but the formula is scalable to whatever lifestyle you want to engineer for yourself.Some derive their investment income from index funds, others use income property, and others mix and match their investment income from a variety of sources.