The government printed a bunch of money, and money is cheap (low interest rates).

Interesting math problem.You may need to normalize the appreciation in any area vs others, because the biggest factor for appreciation is going to be related to the printing of money in Washington DC.It appears to me you are missing the most important variables related to supply and demand:Jobs within X milesPopulation growthHousing startsI could see how a flood zone could impact appreciation, but race seems an odd factor to include over supply / demand drivers.

When I'd go to court I'd print out a Report from Vonage Phone, and Stamps.com, and take those reports with me along with their complete file.  

I ordered 5000 postcards for $130 from Iris Print.

@Zach Mitchell Check the fine print, most places it is 250k fine not 10k!

Some have embraced it, some allow reluctantly, some don't allow it.Those that don't allow Checkbook Control will have lengthy and prominent marketing materials about the dangers of Checkbook Control.Those that don't allow Checkbook Control also have very fine print that explains that they (the custodians) make money on the funds that they are holding.

I actually LIKE to have the requirements printed out ahead of time - and put them in a cheap frame so people don't walk away with your only copy. 

ASSIGNEE assumes all responsibility to perform any inspection, investigation, and evaluation thereof, prior to the signing of this Agreement.AGREED AND ACCEPTED ______________________________ __________ ______________________________ __________Assignee Date Assignor Date ______________________________ ______________________________ Print Name Print Name

I print out the end of year totals, in an easy to read cover page for my accountant, with attached receipts and documents.

Simple notes or print pictures of what you like.