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If you are thinking of investing in the housing market, now is definitely the time. The recent drop in home prices brings the dream of becoming a landlord (or landlady) within reach. If you are looking to get rich quick, this may not be your vehicle, but if you want a dependable stream of monthly income today, as well as a safety net as you get closer to retirement, consider buying an investment property.

Here are some things you will want to consider as you search for the perfect house to rent.

1. Location.

First, and most importantly, find a realtor you trust. He or she can give you information on the location of the hottest deals. Right now, foreclosures are at an all time high, and houses are selling for a fraction of their assessed value.

Tip:

Look for a solid, middle-class neighborhood; a home too large or too small will be harder to rent. Ideally, it will be located near a school. Homes near schools are not only convenient, but they also hold their value well. If you are set on a house in foreclosure, look to the outer fringes of the foreclosure area, where most people can still afford the payments.

2. Down payment.

Unfortunately, due to the recent mortgage fiasco, it is difficult, if not impossible, to get a home for no money down. For an investment loan, look for an initial outlay of 20%.

Tip:

If it is feasible, consider moving to the new home and renting your residence for a few years. An owner-occupied loan saves money in all areas of the transaction. If you live in the house yourself for at least two years, the profit should be tax-exempt when you finally sell it.

3. Interest rate.

This will vary considerably according to your credit rating. A low credit rating will not prevent you from getting a loan, but you will pay a higher interest rate. If you choose not to live in the new house, plan to pay a point or two higher than a traditional home loan.

4. Condition of the property.

If this is your first investment, you may wish to find a home close to move-in condition. Any home will require a thorough wipe down, carpet cleaning, and a change of locks. Become familiar with your state's landlord/tenant laws so you know exactly what maintenance is required before the home can be rented.

Tip:

Listen to your instincts when viewing the home. If you wouldn't want to live there, no one else will, either. Unless you have building and remodeling skills, or have a trusted handyman on retainer, a "fixer-upper" can become a giant headache.

5. Maintenance.

As the landlord, you will be required to maintain the structure and any working appliances. This includes making sure there are no leaks in the foundation or holes in the roof. A new furnace or heat pump will cost about $5000, so you will want to check it seasonally.

Tip:

A home warranty will pay for itself with the first use. For about $300, you can have peace of mind that if a major appliance needs repair or replacement, you only have to pay the deductible

6. Lease.

State laws vary as to what must be included in a lease, but your realtor can give you the specifics. A detailed lease should list the duties and responsibilities of each party; it is invaluable in protecting both you and the renter. Make sure the renter is accountable for minor upkeep such as moving the lawn, cleaning the gutter, etc.

7. Insurance:

Insurance rates vary, but insurance on a rental property is less expensive than your residence. This is because you will be getting a landlord's policy vs. a homeowner's policy; the possessions of the occupant are not covered. Don't skimp in this area--make sure the coverage is enough to rebuild the home should an accident occur, and check the policy each year, as construction rates can rise quickly.

Tip:

Consider a clause requiring the occupant to purchase renter's insurance. For about $20 per month, they will be reimbursed for their belongings should something happen to the home. It only takes one fire or flood to destroy personal possessions accumulated over a lifetime, and as the owner, you are not responsible for their loss. Prevention, therefore, is key.

Sound like a lot of work? After the initial fear of giving up a large sum for the down payment and closing costs, the renting experience is easy. Once in a while you will get a call in the middle of the night, but each month you will get a check in the mail that not only covers the mortgage, but includes a few hundred dollars to stow away for maintenance. In as little as a year, you should have five to ten thousand dollars for improvements and unforeseen expenses. Once you have the safety net, you can begin paying yourself back.

The best part? Depending on the prevailing rent and your initial outlay, you can own the home outright in much less than the standard thirty years, while someone else pays the rent. Or, you can sell it after a few years and keep the profit.

Being a landlord is not the fastest way to make money, but it is an excellent way to build equity you can tap into for emergencies, a new car, or retirement. Instead of working for someone else, consider investing in the rental market. Common sense and a good realtor are all you need to make it work for you.

This article has been submitted in affiliation with http://www.StockBee.Com/ which is a free online stock ticker quiz.

Supermodel Ali Stephens: modeling and meditation

Millions have seen her but few know her name.  This is the ironic reality of the gifted, young, fashion supermodel Ali Stephens, who uses the Transcendental Meditation technique as a tool for success.  In three short years, Stephens has gone from open call, beginner to exclusive Paris feature; from awkward high school teen to a clothing designer's dream.

Discovered by an Elite Model Management scout while shopping with her family, the Salt Lake City resident was initially hesitant about a life in the glamour biz of fashion.  However, after careful thought and consultation with her family, Stephens has braved the catwalk and grabbed the fashion world by the tail.

In just a few years, her innocent beauty and natural acting skills have propelled her to the top of the cover girl scene.  To date, Stephens has appeared on the front page of ten of Vogue's worldwide publications.  In 2009 Stephens graced the runway as an ‘exclusive' for the Calvin Klein Spring show.  She then posed in CK Jeans for world-renowned, fashion photographer, Steven Meisel, which confirmed her place as one of the brightest stars in the fashion universe.

At the same time, Stephen's meteoric rise has not created the comet-like burn out experienced by many other young talents in the entertainment and fashion industries. Instead Stephens has a rather simple and innocent approach to her work.  Her sheepish admission that the first time she bought a fashion magazine was when her picture was on the cover is a prime example.  Stephens also chooses her Mormon faith and the peace of the Transcendental Meditation technique over celebrity events and late night parties.

In a recent interview with David Lynch Foundation Television (Above Video) Stephens explained that her 10-year practice of the Transcendental Meditation technique is a "big part" of her life. She's also a fan of award winning director, David Lynch and his initiative to bring the Transcendental Meditation technique to at-risk youth who apply to learn the meditation after obtaining their parent's permission.  According to Stephens, its "incredible what he is doing" and she feels the program could really benefit not only students but their parents as well.

In person, Stephens is unassuming, soft-spoken, happy and very, very, relaxed.  After a few minutes of listening to her talk, it's obvious that despite her new-found fame, she has retained her small town values and finds comfort in a self image that is humble, healthy and balanced.  Not quite what you'd expect from an 18 year old whose face appears on a one hundred foot billboard.  It seems that her family values and practice of the Transcendental Meditation technique have helped her adjust to the recent and rapid changes in her life.

Stephens is also a strong supporter of environmental issues and although she hails from the land locked, high desert of Salt Lake City, she is passionate about ocean preservation. See a recent article where Ali hosts a celebration for ocean conservation. Stephens was a cross-country runner in High School and her athletic legs that have carried her to excellence on the fashion runway.

It's ironic that the same limbs that propel her career are also found silent, in crossed-legged position, while sitting at home or on a Parisian hotel bed, deep in meditation. So regardless of whether you see Stephens with her eyes open on the runway or closed in meditation, she is always a memorable sight and the next time you find her on the cover of your favorite fashion magazine,  you will also remember her face and remember her name. Because it's all about the girl they call Ali.

About the Author

Dr. Keith DeBoer has been a Certified Teacher of the Transcendental Meditation technique since 1976. He has studied with Maharishi Mahesh Yogi (TM's founder) in the USA, Europe and in India. He has also appeared on numerous radio and TV shows to discuss the unique benefits and scientific research associated with the TM technique and its application to health, education and business. He has a doctorate in World Peace Studies from Maharishi European Research University located in The Netherlands (Holland). Currently he works as a freelance writer, consultant and teacher of the Transcendental Meditation technique.

Recessive Jaw? Overbite? questions please help?

Okay so im seeing a guy who specializes in teeth or something (not an orthodontist i don't think) because my jaw clicks and locks sometimes and i have to take it out of lock by moving it around. The thing is he's treating it with some kind of retainer appliance thing that i wear at night. I have a recessive chin, and i hate it so much i feel soooo insecure about it i hate hate hate hate it its so ugly. i think i also might have an overbite. The doctor hasnt even mentioned these (such as recessive jaw, overbite etc) he just said that my joint needs cleaning or something? and the right side is slightly smaller than the other? I don't understaaand and i hate my recessive chin/jaw

You have a temporomandibular joint disorder and the clicking is due to the dislocation of a structure called the articular disk whenever your teeth come together and then going back into place when you open. In the beginning stages of TMJ (aka TMD) the jaw just clicks and pops (this is called reciprocal clicking) and there may or not be any pain (that comes later as the condition worsens). Over time, the disk will start to be unable to go back into joint on its own but can do so when you maneuver your jaw in some weird way. Then the disk will pop back into place and you will be able to open wide again. However, once your teeth are together again, dislocation will take place again. As time passes, the disk will not go back into joint at all and this is called a "closed lock without reduction." When this stage of TMJ is reached, treatment becomes extremely difficult. At this stage, the disk becomes dislocated and acts like a doorstop to prevent the jaw from opening more than 3 fingers.

Whoever you are going to, you need to stop becasue that person does not know how to treat TMJ/TMD. The first clue is being instructed to wear your appliance only at night. To be effective, a splint must be worn 24/7 because your jaw is "broke." Just as a cast for a broken arm must be worn at all times or the bone(s) will not heal properly, the same analogy applies to the TM joint. The appliance is the cast that needs to be in your mouth 24/7 or the TMJ will not heal properly. There are many dentists who do not know anything about TMJ who think that clenching and grinding is the cause of TMJ and perhaps that is why you were told to wear your appliance at night only. Clenching and grinding rarely, if ever, causes TMJ problems and the false belief that it does is what was universally accepted many years ago when the condition was not well understood. Clenching and grinding can aggravate an existing TMJ problem but will rarely be the cause of it. At least in your case I am 99.99% sure that it is not; the most likely cause in your case is your Class II jaw relationship (retruded chin). Mandibles that are too far back causes posterior-superior displacement of the condyles and this in turn causes anterior displacement of the articular disk. In plain English, that means receded jaws push the jaw joints back and up in the jaw socket and this forces the disk to pop out in a forward direction. When this happens, the disk acts like a doorstop to prevent the mouth from opening wide and the jaw will feel like it is "stuck" until the disk goes back into place either on its own or with a little help from you by moving the jaw around. Surgery should not be considered an option and as long as your jaw is making noises it means that the disk is still able to go back into place and treatment can be conservative. Functional orthodontic treatment is the best way to treat your TMD, IMHO. Functional orthodontic treatment will advance your retruded chin forward to line up properly with the upper jaw like it should and need to be. This will give you the normal straight profile that will be the answer to your "uglines" problems. Check this website out to find someone who can really help you - www.iaortho.org.

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