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Flow Ski
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Unfortunately, many (if not most) new landlords are not successful in their rental property business. The reasons tend to be simple, and avoidable, for landlords who are serious about succeeding in the rental agreement business.

Cutting right to the chase, by far the greatest problem most nascent landlords run into is under-capitalization. New real estate investors buy rental properties, borrow lots of money to pay for the purchase, renovations, etc., and then struggle when the property goes four months without a rental agreement signed. There are some ways to avoid this problem, but the easiest way to avoid it is simply to maintain a strong cash reserve if you become a landlord.

New landlords understand the predictable expenses: principal and interest on the mortgage, and usually they budget in real estate taxes and rental dwelling insurance. So far so good, but what about maintenance? Repairs? Eviction expenses? Vacancies? Property management fees? Entity (such as LLC) maintenance fees? Sure, it would be great if every rental agreement you ever signed led to friendly, responsible, long term tenants who pay like clockwork and care diligently for your rental property, but that's a fantasy you can't afford to have.

Mortgage lenders, when underwriting your loan, calculate income from rental agreement contracts at 75%, BEFORE subtracting out your predictable expenses. For example, if you own a rental property bringing in $1,000/month, they'll immediately chop that number to $750, then subtract your $700 mortgage (which escrows for taxes and insurance), and only count $50 towards your income. "But," you splutter, "I earn $300 every month from that property!"

No you don't, at least not when averaged over time. When you're calculating theoretical cash flow, before even signing a rental agreement, chop out 25% from gross rental income right off the bat, and use that figure to calculate your cash flow. I would go so far as to suggest that landlords aim to own their rental properties free and clear, or with mortgage payments that are absolutely no higher than half of their collected rent each month.

A second problem that cripples new landlords is failure to adequately screen their tenants, starting with a strong rental application all the way through the verification process. Landlords get lazy, they get trusting, and then they get bankrupted when a tenant fails to pay for four months and the landlord has to carry the property for another four months before signing a new rental agreement (EIGHT vacant months total, plus eviction and legal fees, plus advertising). Print off a solid rental application (EZ Landlord Forms offers one for free, along with customizable rental agreement), confirm their income and employment, pull their credit report, and verify their rental payment history. Take the credit report seriously, because generally people fall into two camps: people who responsibly pay their bills on time, and people who don't.

There are other reasons new landlords fail, but the fact is that if you can afford to stick out the bad times, you can cash out when the market is hot, and make a decent profit. Being a landlord is not for everyone, but if done properly, it can help you escape the drone of 9-5, and put you on the golf course, beach, or ski slopes where you'd rather be. Best of luck, and consider hiring a property management company to handle tenant screening and management for you.

Brian Gregory is a landlord, photographer, independent filmmaker, and avid traveler. He recommends Craigslist for rental listings, SafeRent for credit reports, and EZ Landlord Forms for a free rental application and customizable rental agreement.

Ski Slopes of Gibraltar

My heart pounded as the button pull gently tugged up the eastern side of the famous Rock of Gibraltar, it was hard to imagine that this steep slope had once been home to Gibraltar's large Water Catchment's where work began in 1898. Were the large sheets of corrugated steel and concrete layers which allowed the rainwater to flow down this slope into a channel which in turn fed into a reservoir system deep inside the Rock, still nestled beneath the snowy slope? By the end of its life the water catchment's area had increased to an impressionable size of 34 acres which when one takes into consideration the size of Gibraltar, 6.5 square kilometers, is must have been impressive.

Sitting back on the not too comfortable button inching forward ever so slowly allowed time to take in the breathtaking views. High above loomed the highest point 426 meters which in ski-ing terms is not all that high BUT the scenery is second to none. It felt almost possible to reach out and touch the blue Mediterranean as it gently merged with the Atlantic, it felt almost possible to bid the inhabitants of neighboring Spain a cheery "Hola" whilst at the same time bidding the inhabitants of Morocco "Ahlan". What a truly unique corner of the world where three countries, two seas and two continents meet.

Nestled way below the slope is the only hotel on the east side of the Rock, The Caleta Hotel. Its unique shape rather like a ship was so apparent from this lofty vantage point.. It looked as if it offered a warm haven from the colds of the ski slope and would be perfect for the all too important sport of après-ski.

Chuckling to myself at the thought of one of the Rock's famous inhabitants joining in the fun made the journey to the top more bearable. Would we catch a glimpse of the world renowned macaques also known as the "Barbary Ape". After all besides humans they are the only primates that live freely in Europe. It is believed that the Barbary Macaques were first introduced to Gibraltar from North Africa by the Moors who occupied southern Iberia between 711 and 1492 others claim that they were a remnant of populations spread throughout southern Europe as far back as 5.5 million years ago. However they got there the thought of one of these tailless little creatures snow ploughing down the eastern rock was priceless. What did our "furry cousins" exist on during these winter months how much of the 530 species of flora on Gibraltar would be available or even suitable to them?

On reaching the top of the button pull I paused for a moment taking in the view from this "Pillar of Hercules" and to reflect on the area, its past and the importance of this strategic location throughout history in terms of conflict. From as early as 711 AD the battles and sieges of Gibraltar by the Moors, Spanish and British form an interesting part of the intricate tapestry of Gibraltar history.

One final check of the bindings, poles at the ready and poised for the short steep run the sun reflecting off the pure white Gibraltar snow I was ready to go. A strange ringing sound filled the air, was this the avalanche warning system, unfortunately not.

7 a.m. and the alarm clock sounded once again. How could we possibly sustain a ski slope in this gentle Mediterranean climate, so close to the sea where the winter weather is possibly better than a Scottish summer? Yet another dream based on my very wishful thinking that someone would see the potential of the defunct water catchment area as a ski slope, if not with snow then dry!

About the Author

To find out more about Gibraltar visit http://www.gibraltar.gov.uk. You can learn more about The Caleta Hotel at http://www.caletahotel.com.

guys....this is about goosebumps....do u know any person who can make goosebumps appear on their ski?

guys....this is about goosebumps....do u know any person who can make goosebumps appear on their skin at will. ??. cause ive had this ability all along..and wat gives u goosebumps??.......sry if this sounds a little weird i seem to be able 2 stimulate them with my mind..n not using any external stimulations..kkk..no music ..icecube stuff..kkk....can u do it .???.if so ill b really happy 2 know.. its a gr8 feelin..some tinglin sensation rises from ur lower spine and flows ..

Mariah Carey's whistle register can make goosebumps appear on my skin

Entertainment Properties Trust Reports First Quarter Results
KANSAS CITY, Mo.----Entertainment Properties Trust today announced operating results for the first quarter ended March 31, 2010.

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