Welcome to bigger pockets.If you type Hanover Maryland into the search function top right, 29 bigger pockets members show up.

If you have a fire in your rental, and you have a $20k claim, the insurance company will only pay $10k, because to them, you've only given them half the premium, so you get 1/2 half the money.Ask about: coinsurance penalty (80k of 100k is 80% coinsurance)Ask about: stated value/functional replacement cost (FRC is better)you CAN insure for value if your policy explicitly states that there is no coinsurance penalty.

Matthews), but they still retain some of their rights, like mayors and other city functions.

The homes have functional obsolescence especially with the window units and I agree that the value should increase once this is cured.

There are a lot of functions and networking things that I attend.

Ask questions and do not just believe everything posted on the Internet.Education is important, extremely important, but also the education needed to have a fully functional "BS" detector. 

If you wanted that functionality you'd be much better served with a Kill-A-Watt.

Then you apply the IRR or MIRR function to the whole column of numbers; you use IRR if all the cash flows are positive but you have to use MIRR if you anticipate negative cash flows in any year.

What was set up to function as a bottom up system has somehow been reverted back to the top down system that our forefathers fled from and best back.God help it right itself or make me dumb enough to tolerate it.

Just the chapter on how to use the IRR/MIRR functions was worth the cost.Then again, if you have a background in accounting it's probably kid stuff.