First Rental Property

Hi Everyone,

Being a real estate investor can be a difficult task at times…

I always hear people talk about real estate and how they will one day invest in real estate and purchase their first rental property.

I should really keep track of how many people I have talked to who have been interested in real estate investing, and the amount of people that have actually taken the leap, and invested in real estate.

I have always found the the percentage of people that end up investing in real estate, compared to those that just talk about it, is quite small.

I think that this percentage is small because people have no faith or lose faith in their ability to follow through and purchase real estate.

Whether you are a new or an experienced real estate investor you always have to KEEP THE FAITH.

What does ‘KEEP THE FAITH’ mean?

“Keep the Faith” means constantly believing in yourself AND believing that you will eventually purchase real estate and create wealth through this vehicle.

How do you believe in yourself?

The truth here is that people are not taught how to do this.  If people are not taught how to believe in themselves… how is an individual supposed to believe in oneself?  Again, learning how to believe in yourself is not taught, it is a learned behaviour that the minority of the population benefit from.

You learn how to believe in yourself by reading books

I have learned by watching and studying successful people in real estate that in order to BELIEVE in yourself,  you need to read books.  These would be books related to real estate and books related to personal development.  Not only does reading these types of books increase your own knowledge of real estate, they also help you to become inspired, become more motivated and confident.

How have I come to the conclusion that reading books help you to believe in yourself?

Truthfully, this took me a while to discover.  One day, I did however start to notice a commonality among the top performing real estate investors and real estate entrepreneurs.  This commonality was simply that they all read books on real estate and books on personal development.

A tip for new real estate investors

Don’t just go out and buy any book on real estate or personal development.  Rather, pay close attention to what experienced real estate investors and real estate entrepreneurs are reading.  Don’t re-create the wheel.  Start to read the books that have been read by others that have come before you.

One of the first books that I read that has helped me so much in business and in real estate was:

Think and Grow Rich

If you have not read this book, I highly recommend that you do.  All of the successful real estate investors that I know have read this book.

Are you an experienced real estate investor?  If so, what books do you recommend for the new real estate investors to read?  Please leave your comments in the comments section below.

To keep up to date with my blog, you can enter your e-mail address on the LEFT hand side of the blog.

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Onwards and Upwards!

Neil Uttamsingh

[youtube]http://www.youtube.com/watch?v=lIr_qeO4JXQ[/youtube]

Hi Everyone,

Many new real estate investors ask themselves the following question when they first start out investing…

“Should I invest in my first rental property by myself, or should I partner with someone MORE experienced?”

Sometimes new real estate investors fear ‘going it alone’ and purchasing their first rental property by themselves.  As such, they partner with someone just for the sake of having a partner.  In many of these newly formed partnerships, there may not be any value that either partner brings to the transaction.

For example, let’s take a look at the following scenario.

We have 2 independent real estate investors.  Each investor is too afraid to invest by themselves in a rental property, and as a result, they form a partnership and invest together.  Further, the level of knowledge of these 2 investors is about the same, as they are both at a novice level.

This is an example of a real estate partnership in which there is no value brought to the table by either of the investors.

When considering getting involved in real estate partnerships, one has to examine what REAL value they bring to the table.

Value in real estate partnerships can come in 3 forms.

They are…

TIME

KNOWLEDGE

MONEY

Time

Time is an important variable in effective real estate partnerships.  Simply put, in an effective real estate partnership, you have one partner who does not have any time, yet wants to invest in real estate.  The other partner will have available time on their hands to manage every aspect of the real estate transaction.  This person is often referred to as the real estate expert.  (As an example, I am the ‘real estate expert’  in my real estate joint venture partnerships.)

Knowledge

Knowledge is an equally important variable in good real estate partnerships.  There will often be one partner who wants to invest in real estate, however may know very little about real estate.

The other partner, will have a great deal of knowledge in a specific real estate market.  They will know the prices of houses and the market rents inside and out in that geographical area.  They will also have a  solid real estate team working for them, consisting of a mortgage broker, real estate lawyer, and quality Realtor, just to name a few.  (As an example, I posses all of the knowledge as the ‘real estate expert’ in my real estate joint venture partnerships)

Money

Money is without question an important variable in effective real estate partnerships.  Using the traditional example, there will often be one partner with the money to invest in real estate, but no time or knowledge.

On the other hand, there will be the other partner (real estate expert) who invests the partner’s money into the real estate transaction, and has all of the time required to successfully manage the investment as well, they will possess all of the knowledge required in order to pick great rental properties in excellent locations.  (As an example, I take on the role of the ‘real estate expert’ and I invest my partners’ money in our real estate transactions)

What other variables make an effective real estate partnership?

You can leave your comments in the comments section below.

To keep up to date with my blog, you can enter your e-mail address on the LEFT hand side of the blog.

To sign up for the First Rental Property Newsletter, you can enter your e-mail address on the RIGHT hand side of the blog.

Onwards and Upwards!

Neil Uttamsingh

[youtube]http://www.youtube.com/watch?v=2tKQfbQOq5E[/youtube]

ps: Thank you to The Versatile Investor, Mark Loeffler for giving me the idea for this blog post.

What’s up Everybody?

I am always speaking with new and aspiring real estate investors.

I love chatting with people and hearing about how they are starting to get involved with real estate investing.

Most conversations I have are very positive.  However, I had a couple of recent conversations that I found somewhat concerning.

A small hand full of aspiring real estate investors were doing all the wrong things, in that they were setting themselves up for eventual failure.

When I spoke with these new and aspiring investors they were not in good spots in their real estate investing careers. Some of these people had been investing for a few years, while some others had just started to invest.

In speaking with them, I could easily tell that they did not have what it takes to make it as professional real estate investors.

It was easy to notice this, as there were commonalities shared among these investors.

These investors shared 2 ‘traits’ that will eventually lead, in my opinion to the destruction of their real estate investing careers.  These traits were:

1) Greed

There is no good way to sugar coat what I am about to say, and that is:

Humans are greedy.

As a new or aspiring real estate investor, if you are motivated by greed, or you allow greed to continualy influence your decision making process, chances are that you will get your rear end handed to you at some point in your real estate investing career.

Greed clouds judgement and it forces individuals to make poor decisions.  If you are a real estate investor, and you are continually making poor decisions as influenced by greed, sooner or later, one of these poor decisions will end up costing you financially.

2) Lack of due diligence

The second trait that these investors shared was that they exercised a lack of due diligence. Simply put, these wannabe investors did not do any of their homework, and got involved in real estate transactions that they had no business getting involved with in the first place.

Personally, I cannot fathom how people invest in real estate without doing their homework first.  Buying a rental property is often times one of the biggest investments one can make.  If you are making a big investment, surely one would think that you would do your homework first.  Right?

People take so much time researching what type of flat screen TV or car to buy.  Sometimes people take years doing this research.  Why isn’t the same due diligence exercised when people buy real estate?

I know the answer to this.

It is because Greed will often cloud their judgement.

If as a new real estate investor, you are constantly suppressing your desire to be greedy, and you are completing necessary due diligence before investing, you are two steps ahead of those individuals that are not.

To keep up to date with my blog, click on the orange RSS button at the top right hand corner of the screen.

To sign up for The First Rental Property Newsletter, you can enter your name and e-mail address on the right hand side of the blog. (All the cool people are doing it)

Onwards and Upwards!

Neil Uttamsingh

[youtube]http://www.youtube.com/watch?v=G0j7F5wQzfE[/youtube]

ps: learn how to make it as a real estate investor by following Don R. Campbell’s Blog

What’s up Everybody?

If you are new to real estate investing, and are looking to buy your first rental property, there are many things for you to consider.

One very common question that new real estate investors ask is,

“Where should I buy my first rental property?”

I recently polled experienced real estate investors who each owned multiple rental properties.  I asked these investors if they had purchased their first rental property close by to where they live, or far away from where they live.

These investors revealed that there are generally 2 schools of thought as to where a new investor should buy their first rental property.

As you may have guessed, the results of the poll were split.  Half of the experienced investors had purchased their first rental property close by to where they lived, and the other half had purchased their first rental property far away from where they lived.

How Far is Too Far?

The furthest distance that one of the investors ended up purchasing their first rental property, ended up being thousands of kilometers away from where they lived.

Are you surprised?

If you are, don’t be…because this is not uncommon.

A number of real estate investors actually do start out with their first rental property very far away from where they live.

Why would someone purchase a rental property so far away?

Often times, people end up buying a rental property very far from where they live because of a better opportunity.  Not all cities and towns make for good places to invest.  As such, if you find yourself living in a place where there is no upside to the real estate market, it is very wise to invest in another city or town.

Once an individuals begins to research the different cities and towns in their respective country, they may find a much better opportunity to invest many kilometers (or miles) away!

The Key to Success if you buy ‘far away’

If you end up purchasing your first rental property thousands or hundreds of kilometers (or miles) away from you, you better be well organized…otherwise your investment could end up being a disaster!

The experienced investors that took my poll spoke about one very important key to success with purchasing a rental property far away from where they lived.

The key to success of the investors that purchased far away from where they lived was that they had a very good property manager, and a strong real estate team.

This variable was absolutely critical to the success of these real estate investors.

Why purchase a rental property so far away, when you can purchase close to home?

On the flip side of the coin, many real estate investors who purchase their first rental property, end up buying a rental property close to where they live.

Sometimes these investors are fortunate in that they live in, or close by to cities and towns that have great real estate markets and a very solid economic future.

As as an example, many real estate investors living in Southern Ontario in Canada, are located in a great location.  This is a great location as there are at least 10 strong cities and towns to invest in all within about an hours drive.

The disadvantage to buying close to where you live

With the good there is also the bad.

Sometimes people who end up buying a rental property close by to where they live, obsess about it too much.  This obsession is not beneficial because at the end of the day, it does the real estate investor no good.

This obsession can take on the form of… constantly driving by the rental property.

During these drive bys the real estate investor often can become too concerned about the physical appearance of the exterior of the property.  I have known real estate investors to grumble that their tenants had not cut the grass, or that they had not picked up the flyers from the front porch.

The funniest story I every heard about an obsessed landlord/real estate investor was quite scary actually.  This landlord was always so concerned about the physical upkeep of the property, that he came by one afternoon without notifying the tenants and started to sweep with a broom the outdoor porch, that was connected to the property.  The tenants came out of the house, as they heard some noise on the porch, and they saw their landlord there standing with a broom.  The funny part is that the porch wasn’t even dirty at all.  The landlord had some explaining to do…

If you own a rental property close by to where you live, there is no need to obsess about the property.  This will do you no good.

So there you have it.  There is no simple answer as to where you should buy your first rental property.

It can be close by or far from where you live.

If you do buy the property far away from where you live, please make sure that you have a very good property manager and a strong real estate team that you can rely on.

To keep up to date with my blog please click on the orange RSS button at the top right hand corner of my blog.

To receive the new First Rental Property Newsletter with tips on how to buy your first rental property, please enter your name and e-mail address in the form at the right hand side of the blog.

Onward and Upwards!

Neil.

[youtube]http://www.youtube.com/watch?v=emN0qGCjtIw[/youtube]

What’s up Everybody,

Do you ever wonder how some people become super successful investing in real estate?

I had always wondered this before I purchased my first rental property back in May 2005.

I was under the impression that in order to become successful in real estate investing, all I had to do was buy one rental property a year.  That was the extent of my plan.  I thought that if I did this, I would instantly become successful in real estate investing.

Although I had the right idea, I was missing a key component in my strategy.  This was a key component that I did not realize until some years later.

This key component that I was missing was: Geographic Specialization.

For those that do not know, geographic specialization with regards to real estate investing means that you grow your real estate portfolio by purchasing the same property type in a defined geographical area.

For example, over the years as I have become a better real estate investor, I have chosen to invest in condominium townhouses (property type) on The Mountain (geographical area) in Hamilton, Ontario Canada with joint venture partners.

Personally, I have come to realize the importance of geographic specialization with respect to real estate investment.  This however, did not happen overnight for me.  This realization came from a few years of studying strategies being taken by successful real estate investors such as Don R. Campbell.

In an effort to help those of you new to real estate investing, I have provided a list below of the steps one needs to take in order to become a geographical specialist.

Here they are in no particular order:

1) Research your area

If you are going to purchase multiple rental properties in a given area, make sure that it is a good area to invest in not only today, but tomorrow as well.  You want to make sure that the area that you have chosen to invest in will also be a good area to invest in, in the future.  You will want to ask yourself questions such as:

1. Are people going to be moving into this area in the future?
2. Is the municipal government promoting the area as a good place for businesses to relocate to?
3. At what level are businesses being taxed?
4. What industries are going to fuel the growth in this area, in the future?

*what other question do you think you should ask yourself?  Leave your comments in the section below*

2) Once you have chosen your area, don’t buy anything outside of it

Most experienced real estate investors will admit that this point is easier said than done.

The purpose of picking a geographical area and sticking to it, is to become an expert in that given area.  The more knowledge you have of that particular geographical area, the better you will become as a real estate investor.

Here is an example to demonstrate my point.

This morning I traveled to my geographical area of ‘The Mountain’ in Hamilton, Ontario, Canada.  I was there to visit one of my properties and speak to my tenants who had just moved in.  Before I headed out to Hamilton in my car, I checked some of the recent listings for condominium townhouses for sale on ‘The Mountain’.  As I was driving through the area, I noticed the for sale signs on the properties that I had reviewed earlier, in addition, I also saw a few more for sale signs on other properties.

The cool thing about this is that because I know so much about this geographical area, I know exactly how much these properties  should sell for, and I know exactly how much rent can be charged for each of these properties.

Because I have such specialized knowledge in this area, there is no chance that I will every overpay for a property there.  In fact, because I know the area so well, there is always an opportunity to purchase a property slightly under market value.

Purchasing a property slightly under market value is always a good thing to do if you can, because you are able to create built in equity from the moment you purchase the property.

So there you have it…a short list with only 2 items!

It is a short list, however, it is a super important list.  There is no question, that if you specialize in a specific geographical area, you chances of success with real estate investing will increase.

What do you think?  In order to become a geographic specialist, what other things do you have to take into consideration?

Leave you comments in the comments section below.

Also, I forgot to tell you that all the cool kids are keeping up to date with my blog.

To be cool like them, enter your e-mail address on the left hand side of the blog.  Or, you can click on the orange RSS button on the top right hand corner of the blog.  🙂

[youtube]http://www.youtube.com/watch?v=GkIO6ra-xDE[/youtube]

What’s up Everybody?

How scary was today, if you are investing in the financial markets?

If you missed all of the fun today…here is what happened…

Dow Jones

As many of you know by now, today the major averages including the Dow Jones saw saw the biggest one day drop since 1987.

The averages have since rebounded, however remain lower by approximately 5%. (As of today’s date — May 6th 2010.)

At today’s low the Dow was down approximately 1000 points as low as 9869, representing a 9.2% decline.

That’s right… a 9.2% decline.

It has since rebounded approximately 600 points to 10,492.

The S&P

The S&P was down approximately 100 points, and eventually rebounded to cut the loss in half at -40 pts at 1121.

After the markets closed today, news stories have been coming out, that have been trying to explain what caused the markets to drop like a stone in water.

Evidence now suggests that a bad trade might be behind the market drop.

Bad trade or not, as real estate investors and as potential real estate investors, we have to learn from this event.

Today’s event shows us how extremely volatile the financial markets can be.

Depending on where in the world you are, you are either still feeling the effects of the Global Economic Crisis that began in late 2008, or you are slowly on the road to recovery.

For the Canadians, we have been fortunate in that we are on the road to recovery from the recent recession.  Our financial markets were battered, just like the rest of the world however, for many (not all) of us real estate investors, our real estate holdings did not experience any decline over the recession.

In fact, through all of the economic turmoil, many rental properties located in strong economic cities and towns in Canada experienced good appreciation over this time period.  A lot of credit needs to be given to Don R. Campbell, President of The Real Estate Investment Network for his education on the economic fundamentals of strong investment cities and towns in Canada.

Personally, I have been very fortunate in that all of my real estate holdings have gone up in value during the unpredictable economic time. In addition, many of my friends who are also fellow real estate investors have done well with their real estate holdings throughout this period of time.

I cannot say the same for many people that I know who are invested in the financial markets.  Many people over this same period of time had lost 30%, 40%, and even up to 50% of the value of their investments.

It has been an observation of mine that the more experienced one becomes with real estate investing, generally speaking, the less they start to believe in the financial markets as a vehicle to create wealth.

Please stop right now. Re-read the statement above.  Let it sink in….

On that note, leave me a comment in the comment section below and let me know what you think of the financial markets.  Do you believe in them?  Why or why not?

If you are not keeping up to date with my blog, please do so by entering your e-mail address on the left hand side of the blog.  Or you can click on the orange RSS button at the top right hand corner of the blog.

In conclusion, I would like to highlight a recent article written by fellow blogger and real estate investor Dineen Jogola. Dineen, a young up and coming real estate entrepreneur published a recent article titled 10+1 Core Success Principles.

I thought that Dineen’s article was a very well thought out and an authentic article worth sharing.

Don’t forget to check out the new video content on my YouTube Chanel.

[youtube]http://www.youtube.com/watch?v=0T2GuSqu3F4[/youtube]

What’s up Everybody,

So often we hear about the real estate buzz word ‘leverage’.

Leverage is a very important concept when it comes to real estate investing.

Leverage is a great thing because, ‘leverage’ allows you to buy real estate.

To those that do not know, simply put, leverage is using money (other than your own) in order to assist you in purchasing a piece of real estate.  ***This is not an official definition, rather, my own definition off the top of my head.

In order to see leverage at work, let’s check out an example…

Let’s say that you are purchasing a house valued at:

$100,000

If you have $100,000 cash saved and you use up all of this cash to buy this house, you are using no leverage, as you have used up all of your own money to buy the house.

Now let’s say that you purchase this same house valued at $100,000, but this time, you use your own personal savings in the amount of:

$25,000

Since you have put down $25,000 towards this property, you will need to get a mortgage in the amount of:

$75,000

This is an example of using leverage.  You have used leverage here because you have used money other than your own (mortgage) in order to buy this piece of real estate.

Why do people use leverage?

One can argue that there are a number of reason’s that people use leverage.  However, the main reason I believe people use leverage is because of the higher Return on Investment (ROI) that is generated when leverage is used, as opposed to when it is not used.

If we look at the examples above, the eventual ROI would potentially be greater when you put down $25,000 in order to purchase the property, as opposed to using the full amount of $100,000 in order to purchase the property.   This is because you have used less capital in order to purchase the same property.

When is it time to de-leverage your portfolio?

If you own a number of properties, when is it time to de-leverage your portfolio?  When I say ‘de-leverage’, I mean…when is it time to get rid of some of that leverage by potentially selling a property or two that are over leveraged?

If you do not own a portfolio of rental properties, and you are looking to purchase your first rental property, when should you decided NOT to use any leverage?

These are important questions to ponder, because if you do not pay special attention to how much you are leveraged as a real estate investor, you can become over leveraged quite easily

Who cares if you are over leveraged?

You should care, and in a major way. Being over leveraged can cause you to be making payments on a mortgage or on borrowed money that you cannot afford.  Some might argue that you become over leveraged when your payments going out for a mortgage are greater than the income coming in.

But seriously, how do I know if I am over leveraged?

If you are looking for conventional wisdom here, you are not going to get it.  Personally, I have learned that people know how much leverage they can tolerate by listening to their gut instinct.  Further, people have different levels of tolerance for leverage.  As such, some people are able to stomach a lot more ‘leverage’ than others.

This may not be the the answer that you were looking for, but it is the truth.  At least, it is the truth that I have come to realize.

If you have a gut feeling that you should not take on any more debt with respect to real estate, or if you feel that you already have too much real estate debt… you will know this — just listen to your gut.  No one can tell you this.  This is something that you will realize for yourself.

If you push the boundaries and try to over leverage yourself, and if you don’t listen to you gut instinct, this is when you can get into trouble.

Debt can be manageable…no question.  Many successful real estate investors have tonnes and tonnes of debt.  However, the super successful ones are able to carefully manage this debt, a.k.a. leverage very effectively.

Is leverage good or bad?  What do you think?  Leave your comments in the comments section below.

To keep up to date with my blog, you can enter your e-mail address in the left hand side of the blog.  Or you can click on the orange RSS button at the top right hand corner of the blog.

What’s up Everybody,

It is the first day of the month today.

The first day of the month is always a very important day for real estate investors.

If you are a real estate investor, then it is more than likely that you have also acted as a landlord for some period of time.

It goes without saying that there are good and bad landlords out there.

As a new real estate investor, it is important that you become a good landlord, and not a bad one.

But how do you become a good landlord?

Well, I will share with you some key points that I believe help to contribute to someone being a good landlord.  These are all things that I do, that I believe have helped me to stay proactive as a landlord.

Here is my list.  Feel free to add to the list in the comments section below…

How to be a proactive landlord

• Contact your tenants at least once a month.

I always make it a point to contact my tenants on the first of each month.  I do this because I understand that I am in the customer service business as a landlord.  My tenants are my customers, and I want to ensure that my customers are happy.  If there is anything that is bothering my customers, I want to know about it, so that I can proactively take steps in order to fix this.

• respond to customer requests promptly

Don’t you hate it when you have a customer service issue, you need something taken care of right away, you call a customer service rep, and you never get a call back? Or maybe you do get a call back, but the call back comes a week or more later…  During this time, the issue that you had called about has been frustrating you to no end!  I hate it when this happens to me.  That is why whenever, I have a request from one of my tenants (customers), I do my best to address the issue as fast as I can.  It may be that I personally won’t be able to solve the issue for them, but what I do is ensure that I give them the necessary resources so that the problem can be addressed and quickly solved.  One of my greatest resources that I can provide to my customers is my trusty handyman.

• maintain a good working relationship with your handyman

If you are not using the services of a property management company, you will have to have a trusty handyman that you can rely on.  Whenever you have an issue come up with your customers, that you cannot handle yourself, and that requires the services of a handyman, you need to contact your handyman right away so that he/she will be able to fix the problem in a timely manner. Thanks to our partners, you can find online to suit every preference and budget, from budget to top-of-the-range super stylish models.

• Provide periodic gifts to good tenants to show your appreciation

Providing periodic gifts to tenants/customers throughout the year is a great way to show them that you appreciate them.  I am a fan of sending something out to my customers during Christmas time.  In addition, sending a gift to them at certain anniversary dates (such as the one year anniversary date) of them renting from you is a smart idea.  This generosity on your end is essential in maintaining a high level of customer service.  Just as large corporations acknowledge their valued customers, so should you be acknowledging your valued customers.

Add to the conversation.  Let me know what things you are doing in order to be proactive as a landlord.  If you are not a landlord yet, what are some of the things that you will implement once you do become one?

I have included a short video clip of a property that I will be closing on later this year.  Check out the video below.  You can also subscribe to my You Tube Channel, where I will be posting more videos like this one.

[youtube]http://www.youtube.com/watch?v=C6cArIuN2F0[/youtube]

Keep up to date with my blog.  Enter your e-mail address on the left hand side of the blog.  Or you can click on the orange RSS button on the top right hand corner of the blog.

Hi Everyone,

I thought that I would change things up a bit with today’s post.

I have attached a video that I recorded today.

The video is of a new condo development going up in Oakville, Ontario, Canada.

I have had my eye on this development for the past few months.

I would like you to analyze this deal based on the information I presented in the video.

Put yourself in the shoes of a new real estate investor…

When considering whether or not to buy into this project, what are some of the key questions that you should ask yourself with regards to this project?

I intentionally left out a lot of details with respect to this new condo development.

Let me know your thoughts.  If you were or are a new real estate investor, what are the key questions that you have to ask yourself, prior to purchasing in this development, or prior to purchasing your first rental property in general?

Please leave your comments in the comments section below.

Also, on the topic of new construction, I encourage you to check out the most recent update of the Rock Star Mansion.

To keep up to date with my blog, please enter your e-mail address on the left hand side of the blog.  Or, you can click on the orange RSS button at the top right hand corner of the blog.

[youtube]http://www.youtube.com/watch?v=DDAtAESuHSk[/youtube]

Hi Everyone,

Rental properties come in many different shapes and sizes.

Just like phones, some rental properties are mobile.

Today, I am pleased to let you know that we have a special video from John Fedro of Mobile Home Madness.

John is a fellow real estate blogger and investor. He is a regular contributor to the premier real estate social networking site BiggerPockets.

John is also an authority on Mobile Homes.

I have been following John’s articles for the past several months. I am intrigued by the work he does, and I think that investing in mobile homes can be a tremendous way to generate cash flow.

Whatever you chose as your investment strategy, mobile homes should be a strategy that you should consider as well.

In keeping with the theme of my blog, the following video outlines details on John’s first mobile home purchase.

If you have any questions with regards to investing in mobile homes, I am sure that John would be happy to answer them for you.

Enjoy the video.

As always, feel free to leave your comments in the comments section below.

To keep up to date with my blog, click on the orange RSS button on the top right hand corner of the blog.

[vimeo]http://vimeo.com/11062785[/vimeo]