There are two major subdivisions of surfing: longboarding and shortboarding. Their respective names represent differences in the type of surfboard used. Longboards are, as the name suggests, much longer and require a different riding style to short-boards.

Surfboards were originally made of solid wood, and were large and cumbersome, often weighing in excess of 100 pounds. Nowadays, they are more commonly constructed out of polyurethane foam making them much lighter, which means better manoeuvrability for the boarder. This is especially beneficial for longboarders, whose boards can measure up to 3 metres in length. Successful longboarders must learn to carry out difficult walking manoeuvres up and down the board so as to set themselves in the optimal position for catching and riding the wave. The lighter the board, the easier it becomes to execute such manoeuvres. Shortboarders, whose boards are usually between 1.8 and 2 metres long, also benefit from greater manoeuvrability though, and are able to turn and adjust more quickly thanks to the lighter boards.

It is claimed that surfing was first observed being enjoyed by native Tahitians in 1767 by European explorers. Later travellers also reported seeing naked locals, both men and women, amusing themselves in the surf off the coast of Hawaii. Perhaps this is one of the reasons why the sport is synonymous with the South Pacific and Hawaii in particular. Today, however, the popularity of surfing is such that surf clubs have popped up almost everywhere, from the windy West Coast of Ireland, to the ultrachic Californian beaches. Indeed, it is in Northern California where perhaps the most famous and glamorous surfing takes place.

The prospective surfer would be well-advised to consider the dangers associated with the sport before he takes to the waves. Like all water sports, surfing carries with it the inherent danger of drowning. Although the board itself offers buoyancy, it can also be a hindrance, and a deadly one at that if its leash becomes entangled in a reef, holding the surfer underwater. Ideal water conditions for surfing can be extremely demanding on the body, too, and require the surfer to be an extremely competent swimmer.

Collisions with sandbanks, reefs, surfboards and other surfers can also be extremely hazardous and can lead to concussion - a death sentence if the surfer is not rescued from the water quickly. Although rarer, attacks by marine animals are not uncommon, with sharks, rays, seals and jellyfish posing the greatest threats. You certainly need to be a courageous soul to brave the waves in this sport.

But for those who insist on giving it a go, the rewards can be very gratifying, and it isn't too expensive to get up and running either. Surf schools in popular destinations offer multi-day beginner and intermediate courses that focus on the basic fundamentals. Five-day courses start from as little as £100 and there are all-inclusive camps, too, which cover accommodation, meals, lessons and equipment. Longboards, given their superior paddling speed and stability, are usually preferred by coaches for use with beginners. Typically, the courses break

down the technique into separate skills: the first one being how to get into position to catch a wave, the second one being how to ride the wave and not fall off. Balance, of course, plays a crucial role, so a lot of time is dedicated to balance training exercises as well.

Difficult though it may be to master the art of surfing, it can also be extremely rewarding, and there are few feelings to compare with the exhilaration of riding out your first wave. So, for those of you daredevil adrenalin junkies who fancy having a go, details of a surf club near you can be found on the British Surfing Association's website, britsurf.co.uk.

And try to remember as your feet are dangling over the side of the board, Jaws was just a film; it ALMOST certainly won't happen to you!

As investors tire of stock market instability, the idea of owning a piece of real estate is gaining in popularity. Now, not everyone has what it takes to become a landlord, but if you can make a go of it, it certainly has the potential to become a good money-earner. Here are some tips from successful real estate mogul, Janet Anderson, on how to start building up your property portfolio.

According to Janet, one of the best ways to identify a bargain is to hunt for foreclosures. Foreclosures are properties banks have repossessed because their owners were unable to meet the mortgage repayments. Banks want a quick sell on these places, Janet says. They want to cut their losses and get their money back as quickly as possible. Developing a network - making connections with city clerks and bank employees who know which properties are about to be sold - can be an excellent way to identify such bargains. And bargains they certainly can prove to be; in a recent firesale auction ('firesale auction' is the phrase that has been coined to describe auction-room events dedicated entirely to the disposal of repossessed assets) a house with a market value nearing $1,000,000, but with a low reserve price designed to encourage bidders and secure a quick sale, went for $450,000; that's a whopping 55% discount.

It's also important to be realistic though and not stretch yourself too far financially. Janet says the biggest mistake you can make is to borrow too much or over-borrow. For first-time investors, lenders usually demand bigger down payments because you haven't got a proven track record. That's more of your money on the table and, therefore, should anything go wrong, you're in for a big financial hit.

Her business partner, James Nylles, is in complete agreement on this point. He also highlights the fact that the mortgage payments and deposits are only part of the long-term cost of buying a rental property. There is also the cost of repairs, administration and maintenance, rental manager's fees, insurance and so on, all of which require you to hold a significant amount of money in reserve. Failure to factor this in when calculating how much you can afford to part with in mortgage repayments can lead to disaster.

One of the biggest traps for first-time investors, according to Nylles, is the temptation to pay over the odds to get the property you desire. Buyers often get carried away, especially in the auction-room setting, which can get quite competitive and even descend into a racket of one-upmanship. They end up paying top-dollar and landing themselves in a financial situation they can ill afford to be in. Remember, you are in the property game to make money, so the more money you have to pay upfront for a property, the less likely you are to recoup your investment in the long run. The good news, however, is that the housing market is not very hot at the moment, which means the danger of overpaying is not so great. Always set emotions to one side and think from a purely business perspective. The question of your liking or disliking the property is irrelevant. As Nylles points out: "you will not be living there." Business decisions are made in the cold hard light of day; your objective is to minimise your outlay and maximise your return. Whether you secure a huge home in pristine condition or a tiny flat with barely room to stretch in is irrelevant - if the tiny flat gets you a better return on your investment then the choice is a no-brainer.

And last of all, do your homework. You've got to get to know the location in which you are going to invest. Look out for areas which are earmarked for government investment. Urban renewal areas are often very attractive since house and rental prices in such places are low right now but can be expected to rise in the not too distant future. The range of local amenities, safety and the state of the local economy are all important factors to consider, too. As the old saying goes, 'location, location, location'. Invest in a good location and you will maximise your rental income.