If you could have just one wish granted that related to your health and well being what would it be?o Be stronger and fitter
o Have a great slim, firm body
o No worries about developing some dreaded disease
o Feel more self-confidence
o Be more relaxed and de-stressed
o Have more endurance and stamina
o Be more alert and focused
o Feel happier and more accepting with your lot in life
o Live longer and have a higher quality of lifeThe good news is…you don’t need the magic fairy with her wand to grant you any of these wishes. You can have all of the wonderful benefits listed above and not have to wait for that fairy to pay you a visit.You are now saying so, what is it and how do I get all of these things in my life?The simple answer is ‘proper exercise’.But I hear you say “I hate exercise”.And the answer to this is: “Change your mindset”.Whether you like to exercise or not doesn’t really matter. It is simply not an option but a choice and that choice is totally dependent on you. Somehow you need to change the “I hate” to “I love” to exercise. Tell yourself it makes you feel good, it will help you lose that excess body fat, it will help you be a calmer and saner person, it will make you live longer and the list goes on and on. Whatever it takes is what you need to do.To be able to improve your life in every way and be the person you are meant to be means you must include proper physical activity into your life. If you don’t feel this is necessary and that you can get by without it you are simply cheating yourself. Your life cannot be complete without proper exercise and to start making your life better this is the place to start.Every one of us needs proper regular exercise. It is our natural state to be fit, strong and energetic. If we are not in this state we cannot function properly, either physically or mentally. We might get by without it in our younger days, but as the years pass the toll it takes will make itself apparent in many different negative ways. It will get to the point where the deterioration and degeneration will impact life greatly as the downward spiral accelerates.It is so much easier to take charge and take action to guard against this. If you are new to exercise or do not understand what proper exercise means seek the help of a fitness professional. If you fail to do your program correctly, or fail to use the right exercise such as strength training exercise you will not get the results you hope to get. It is way more than simply going for a walk. We all have legs and we all walk but this will not give you significant anti aging health and wellness benefits.If you have never experienced how good for your inner sense of wellbeing you can get from a regular exercise program you have something great to look forward too. It will become so much easier to be the person you want to be. You will soon have more energy and vitality, a better mind set and attitude to everything in life and a gentler calmer disposition.If you can learn to love exercise and how it makes you feel, you will not have to force yourself and will want to actually do it. This can happen little by little over a period of time. Allow yourself to have this gift and in return you will have access to your health and fitness wish list.
Do You Want the Health and Fitness Fairy to Wave Her Magic Wand?
What Investors Should Know About Property Management Reports
Each month your property manager will send you a monthly report. Each company has its own format, using different property management software and internal processes. However, you should receive the following:
A one-page summary that highlights key issues about the property, e.g., one tenant is 30 days behind on the rent.
Income & expense statement. This should be a short statement showing the base rent, Common Area Maintenance (CAM) charges for each tenant, rent and CAM payments received from each tenant. It also shows maintenance expenses and management fee; so you may quickly determine if each tenant has paid rent or not. This statement itemizes all of the income and expenses which may include:
Late fee: when the tenant pays late, he has to pay the rent plus the late fee. The late fee amount is normally stated in the lease. Normally, when the tenant pays late, the property manager has to do extra work to collect it. The amount of work depends on whether the tenant is too busy to mail the rent check, does not have the money or simply does not want to pay. The property manager will try to convince you that he is entitled to the late fees as an incentive to collect the rent. However, one can debate that it is a reward to the property for a lousy job. You as the investor suffer the damage when the tenant does not pay you on time so you should receive it.
Management fee: this fee is usually a percentage of the monthly income from the property that both you and the property manager agreed in the management contract. If you have a very stable property with the same income every month, then the management fee is the same. Otherwise, it varies from month to month.
Leasing fee: you typically see this when there is a new tenant or a renewed lease. This fee is normally around 6% of the base rent for the life of the lease. However, when the property manager is also the leasing agent you should ask for 4% fee.
Security/Fire Protection: your property may have fire & security monitoring services.
Electricity: this is most likely for parking or common area lighting as each unit normally has its own meter.
Water: this is for both drinking and irrigation.
Disposal: this is for garbage collection paid to the city.
HVAC repairs & maintenance: this is the maintenance costs for Heating, Ventilation and Air Conditioning. Usually, there is a service contract for HVAC whereby the maintenance company will inspect the HVAC twice a year: once before the winter and once before the summer. So, you may receive the service bills only twice a year.
Garbage dumping: sometimes people dispose their unused furniture, mattress on the property because there is no one around at night. The maintenance crew may have to clean up these things. Normally, you or the property manager will want a picture of the dumping to make sure that it is a legitimate bill.
Landscaping: this is often the biggest expense item. Typically, the landscaper signs a one year contract to maintain the landscaping on the property, such as mowing the lawn, trimming the trees/shrubs, and planting flowers. Thus, the monthly payment should be the same for the whole year.
Sweeping: the parking lot is usually swept daily, either late in the evening or before the tenants open for business. In the winter, there may be an expense for snow removal.
Steam cleaning: the concrete sidewalk is normally steam cleaned once a month. This is done by the same company that handles the sweeping and landscaping.
Roof maintenance: the roof of a commercial building is often flat and requires regular maintenance especially during the rainy season. The roofer may charge each time he is called to fix a roof leak. So, this is not something you see on the statement on a regular basis.
Supplies: there are various things on the property that have to be replaced periodically: light bulbs, trash bins, sprinklers, etc.
Bank charges: sometimes the tenants pay by check with non-sufficient funds. The bank will charge a fee each time the check is bounced.
Legal fees: you may see this if the property manager has to evict a tenant.
As a rule of thumb, you should not spend more than 30 minutes to review the management report of a retail property with 10 tenants. If you have to spend much more than that, then your property manager has sent you too much information or not organized the report properly.The property management company often proposes an annual maintenance budget for the property based on the prior year’s maintenance expenses. Each tenant is then billed a fixed monthly amount, proportional to the size of his unit. Thus, the base rent and CAM charges are the same each month; so, the tenants may expect to pay a consistent amount each month. Annually, between January and March, the property manager reconciles the accounting for the prior year. If the actual expenses exceeded the budget, the tenant will have to pay his share of the difference. In the event, the actual expenses were less than the budget; the tenant will be refunded or credited back the difference.Do’s and Don’ts
Use email for most of your correspondence. This will allow you to have records (date, time) of all issues sent and received between you and the property manager. You may want to set up the mail option such that it automatically will save all out-going mail. In addition, you may want to create an email folder for each property and keep all email messages related to that property in that folder. This allows you to find information quickly.
Ask the property manager to email to you the monthly reports. You should save all of the reports on your computer. Time and time again, you will need to look at a report from a previous month. The easier and faster you can access them, the more likely you will do it. Paper reports are much more time consuming to retrieve.
Have a copy of the rent roll handy with rent rate, lease start date, lease expiration, and CAM share portion. When you are asked to approve a new lease, check to make sure it does not expire on a year when you have several other leases expiring. This minimizes the risk of high vacancies on your property.
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