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Some of the best beach parties can happen in the Midwest, with temperatures below freezing. Sounds crazy? It is, but it is a memorable and fun way to celebrate a birthday, retirement or special occasion. Beach parties can happen in the summer too, near a pool or a lake in any region.

A beach party needs radical invitations, man! You can follow a surfer theme and use surfboard shapes or any beach theme motif from the party supply store. Other supplies like paper products for food and decorations can match your beach party motif.

Decorating can be fun. Buy plastic beach balls and blow them up to toss around your party, whether its inside or out. Buy an old fishing net and hang from the corner of one room. Fill it with sea creatures and marine life, or use it to put in pictures of the guest of honor. If your party is outside, truck in some sand for beach volleyball.

Use the sand and have a sandcastle competition. Give away personalized party favors to all the winners. Besides volleyball, other sand activities can be horseshoes, Frisbee and football. If there are kids at the party, bury a treasure and create a map for them to follow. Depending on their ages you can make it difficult or easy to find. Use a treasure chest and bury candy or plastic trinkets for them.

If your beach party is inside in the winter, have guests bring their swimsuits and change into them. Turn your thermostat really hot to get them in the mood. Heat and swimsuits will make everyone in a better mood and look forward to spring and summer.

Serve finger food and anything with a beach theme. Make surfer sandwiches or tidal wave macaroni salad. Use regular dishes but jazz them up with a title.

Despite the negative press that the UK housing market experienced at the beginning of 2005, there are a number of reports circulating that suggest that figures have shown an increase towards the end of the year. This is of course good news at the end of what some predicted would be quite a difficult year in the UK property market.

There is of course the question of what will happen in 2006 and the UK property market and in particular with investment property. It is never a precise prediction as there can be many influencing factors but what we do know for certain is that over the last few months we have seen interest rates stabilize and property pricing stablising as a result of this.

UK Investment Property

So does that mean we should avoid investing in UK investment property until the market starts to increase again. In some respects many people might suggest that investing in UK property at any time is a good investment. When you consider that historically property has doubled in value, and sometimes tripled in value, every last 10-15 years, then it is likely to see you a good return on your UK investment property if you are prepared to take a long term view. Plus, there still remains a high level of activity from Landlords and investors alike with a number of buy to let mortgage providers suggesting record levels of applications being received. For those looking for a get rich quick overnight scheme, then this is not for you. But when you consider the long term gains associated with the UK investment property market, it might be worth reading on and dont forget that it is worth doing plenty of research and finding out as much as you can about investing in property in the UK. Perhaps pick up a Free Buy to Let Guide.

How to make 166,500 in 15 years

According to research from the Centre for Economics and Business Research (CEBR), the average cost of a home in the could be 300,000 by the year 2020. Currently that figure stands at around 157,000 in 2005 which represents an increase over the next 15 years of 91%.

This figure of 300,000 is achieved by the economic forecaster basing its prediction on the ever increasing population compared to a slower production of house building. As with many commodities, it is the result of lower supply and higher demand that will push up these prices.

With buy to let residential UK investment property, the maximum loan you can apply for is 85%. Based on an average value property in 2005 of 157,000 this would require you to put down a deposit of 15% 23,550 subject to valuation and rental cover which can vary between 115% to 130% in most cases.

Potentially over the next 15 years, this one investment could realize a return of 166,550. This is based on selling the investment property at 300,000 less the loan of 85% of the property value in 2005.

Over previous years there have been times when property has declined in value and other times where it has signifcantly increased in value but a good property investor will clearly see the benefits in both a rising and declining market and will utilize the facilities of a good buy to let mortgage provider to assist in this. Some also offer Free buy to let mortgage quotes.

During a rising market, a property investor may decide to use this window of opportunity to release some of that equity realized in the value of the UK investment property, to use for additional property investment. However, the property investor is less likely to use that capital released during a rising market. Instead, the landlord will wait until the market has re-stablised itself or experiencing a decline. At this point, they will then use this window of opportunity to purchase lower priced investment property and the circle continues. That is why property investors are in it for the long term and why they see the UK investment property market as being profitable to them in all conditions. And when you consider that UK property prices only need to increase by an average of 4.4% year on year, it is easy to see why this type of property investment is so achievable.

Successful property investors will do a lot of research on areas that they believe will become investment property hotspots and areas which are less likely to perform. There are many areas experiencing high levels of growth and financial investment with a lot of regeneration programmes in place or planned in the future. Even by simply monitoring publications such as Construction News can give a good indication of where new commercial premises are being built which can be a good indicator of new businesses moving to the area which it turn can lead to an increase in demand for rental property locally.

It is the general consensus that interest rates have stablised and there is even speculation of a drop but either way, they have been steady for a good number of months now. Slower capital growth does result in buyers having to put more effort into managing and developing their UK investment property portfolios. And more importantly making a profit from investment property. Buying property at discounted prices can be done but you must do your homework to make sure they are genuine discounts and incentives. And dont forget that in a slowing market, vendors will be more likely to listen to your offers. Albeit if they are a bit cheeky. In particular, you can use the negative press that is often surrounded by the property market to your advantage. For example when the media are circulating stories of a dropping property market, then vendors are even more keen to listen to your offers.

How to Get Started in Buy to Let

Do as much research as you can. You can even get some free publications including Free Buy to Let Guides.

Find out what properties are selling for. A good way of doing this is by contacting estate agents and researching on the internet. A good way is to look at property house price websites.

What is the level of demand for rental properties in the area

What type of property is most in demand. For example, if it is a university city , then the demand for shared student accommodation may be much higher than property for professional sharers.

Find out what rent is being achieved on those properties and the likely time to get the property let out. Speak to letting agents and local businesses that may be letting properties already in the area.

Raising deposits for your investment properties, may be easier than you think by releasing equity from any of your existing properties.

So how Do you know if you have bought a good UK investment property

Well there is always an element of risk but providing you follow the main logic you should eliminate most of them. It is also important to make sure you continue to review your buy to let mortgage funding on a regular basis as this can have a big impact on your success and cash flow. As we have said above, the UK investment property market can rise as well as fall so providing that you have some cash funds in the bank to help you through any tougher market conditions then you could reap the rewards in years to come. But its important that you calculate these carefully into your projections to ensure that whatever funding you may need to input into the investment property that it will be outweighed by the eventual gain.

Providing that you are buying a good quality investmnt property in a good area with strong rental demand then its worth considering. Dont just buy an investment property because it is cheap. You might buy a property at a very discounted price, but if you cant let it, you could find yourself covering the buy to let mortgage payments for months to come which will see a big dent in your profits. Find out why it is cheap. Is there an increase in crime in the area, have plans been submitted for a large industrial unit to be built behind the garden etc, etc. Do your research. And dont be afraid to develop an investment property for profit. Buying at the right price, in the right area and doing the right renovation on the property, can also see you return a decent profit. Re-financing the investment property on completion and letting it out could give you the best of both worlds.

Having taken into account all the considerations above, to calculate if it is a good investment property, you need to ensure that your annual rental income exceeds the cost of your monthly buy to let mortgage repayments and maintenance costs. And it is more likely that your annual rental income will be stronger if you select an investment property in area with a strong and growing rental demand as it is less likely that you will experience rental voids and be supplementing the monthly buy to let repayments.

So in conclusion the UK investment property market is likely to remain a prime choice for property investors as long as they are will to commit to the long term.

If you plan to move to Arizona, there are a couple of items you need to know first. If you have yet to buy a home in Arizona, then be sure to look for the following things: central air conditioner and swimming pool. DO NOT SETTLE FOR A SWAMP COOLER. Buying Arizona Real Estate requires a survival mindset.

If you have bought a home in Arizona that is in either of the largely populated valleys, you must not assume that because people live there it can't be that bad. It is that bad without the proper equipment. If you are moving to Arizona from a dissimilar climate, you must prepare to pay extra for you cooling. It is absolutely not survivable for a person from a cooler climate without central cooling and lots of it. Swamp coolers may do in some environments, but in Arizona they will just add a layer of humidity on top of the unbearably hot temperature. This is like two-ply toilet paper, there are some things you just don't even cut corners on.

The swimming pool is essential as well. In cooler climates like Colorado Springs, Salt Lake City, or even San Diego, a pool is an extra, a luxury, a want. In Arizona, it is a requirement. On some days during the Arizona summers, it gets so hot that you feel incapable of cooling down with Air Conditioning, a freezing cold drink of water, or even a cold shower (cold showers really don't exist in Arizona's summers). The only way you are getting cool is by jumping in a swimming pool. Sound silly to people who never lived in Arizona before, but those who have, are nodding and saying "of course, why did he write an article on this?"

Is this worth framing?

If you like it, if it gives you enjoyment, if it has sentimental value, then frame it and enjoy it. Dont judge it, and dont let others judge it either.

A few years ago I owned and operated three picture frame shops/art galleries. The number one question I used to get was, is this worth framing? My answer was always, Yes, of course it is.

I would get customers carrying in snap shots, childrens artwork, prints from the free calendar they got from their insurance company and just about any picture or print that you can imagine from a number of sources. Yet, the answer is always the same. What makes an item worth framing is what it is worth to you, and no one else. The vast majority of that value has nothing to do with dollars and cents. It has to do with its intrinsic value that no one else can appraise or appreciate.

I especially encouraged parents to frame childrens artwork. Now obviously this can get a bit expensive if the child is cranking out 3 or 4 a day in a school art class. However, framing selective pieces can go a long way towards encouraging a budding future great master or just building self-esteem in general.

Vacation snap shots are also worth framing. The more time that passes the more you will be glad you made the investment. With all the new computer technology, it is easy to touch them up. You may be surprised to find you have a little more Ansel Adams talent in you than you thought.

I have a good friend that lives in a beautiful home surrounded by a golf course community that boasts of residents that include NFL Football stars and professional golfers. She is retired now, but at one time was a rather large art dealer specializing in paper art. Her home is beautifully decorated, as one would imagine an art dealers home to be. I cant begin to tell you the huge amount of artwork she has had the opportunity to chose from, many of them very valuable.

Yet, walking through her entryway into her home, the very first piece of artwork you see is a small but gorgeous, professionally framed and matted print entitled Ted. I sell it in my eBay Store for $15.00, http://stores.ebay.com/FrameHouseGallery/.

When I asked her of all the beautiful prints and originals (not that this one isnt beautiful) that she had to chose from why was Ted picked to be the first piece one sees when they enter the home, her answer was simply, Because I like it!

So if you like it, it doesnt really matter what anyone else thinks. Frame it, hang it and enjoy it!

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