Getting Ready for Winter Exercise

The Summer is creeping away here in Calgary. On my ride in this morning the temperature was right at freezing so the nice easy schedule of riding in to work and home will be over sooner than I would hope. Now is the time of year that all of those outdoor activities that keep you in shape so easily are going to come to an end in the northern latitudes.

What will you do about it?

Most people have a bad habit of fluctuation exercise. In the Spring you get sore from exercising outside for the first time since the fall and your body hates you for it, but you endure it and workout through the Summer and in the Fall and Winter get almost no exercise again and have your weight float up a few pounds hoping that you can lose it again next Spring. I will be giving tips all Winter for staying in shape but this is a good chance to look at what you should start thinking about right now.

First prioritize your exercise schedule for the Winter. It may be tougher to work out but of course you can do it if you work out the days and times you will be working out. Most of all be realistic. The best times to workout are early morning before you get caught up with the issues of the day and after work if you have a stable work schedule. If you push dinner out a bit you may be able to either workout right after work before dinner or else get an hour in while watching one of the many great TV shows that eat up our Winter nights.

Next figure out what you want to do this Winter for exercise. A few years ago my family (actually my wife and I, the toddlers had no say in it) bought a good treadmill and exercise bike and then each Fall we go out and replace one of the items and lose a bit on the trade-in but at least have some great new and new to us equipment to keep us interested in the Winter.

Lastly make sure that you have a good mix of exercise. One or two pieces of fitness equipment may not be enough to keep you motivated is make sure you plan on skating, skiing or climbing stairs in an office building to supplement your exercise this Winter. If you can find local fitness events that you can take part in. There are a lot of different leagues in the Winter be they hockey or curling or badminton and volleyball.

One great tip for exercise equipment is to have a running log of your distance. This would be floors for a stair machine or actual miles on a treadmill, bike or elliptical trainer. Using a map it is fun to keep track of the distance that you have covered and you can even try to go city to city with goals in between over the course of the Winter.

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Creative Real Estate Investment

An example of creative real estate investment? When I was young, I had a job that paid $3.40 an hour, and I somehow saved enough to buy my first piece of real estate - 2 acres near where I lived. It cost $3,500.

I spent a few hours removing brush, outlined a driveway with logs, and hand painted a sign. Two weeks after I bought it I sold the land for $4,750, with $250 down, $100 per month, at 11% interest. With the capital gain, my annual return on investment was over 20%. This was my first real estate investment.

Creative Real Estate Investment - The Key

I bought the land cheap, because the seller needed fast cash. I solved his problem. I sold the land higher than the market value because the buyer needed easy terms. Second problem solved. Solving problems is the key to creative real estate investment.

Cell phone companies, radio stations, police departments and others need hill tops for their towers. The problem is that they can't tie up their capital buying them. One creative investor found a way to solve their problem.

He got six month options on hill top properties for a few hundred dollars. Then, when he found those who needed them, he would get a long term lease signed. They built the tower themselves, of course. With a lease in hand, it was easy to get financing to exercise the option and buy the properties. He invested a few hundred dollars to create years of income.

Trees are needed by lumber mills. A friend of mine solved this problem by letting a company cut half the trees on his small property. They paid $4,500, and I couldn't see the difference when they were done. The property was worth as much the day after the cut as the day before. My friend lived there, but a creative investor could buy property like his, sell half the trees, maybe clay or gravel too, and then re-sell the land.

To solve problems, you have to figure out what they are. Do people need easy terms? Cleared lots? Lumber? Better access to a piece of property? Smaller pieces of land? Condos instead of apartments? The list could go on. Just remember that solving problems is the key to creative real estate investment.

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