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You've without doubt seen them or study them. Glossy advertisements or four-color advances in publications and newspapers promising to show you all of the juicy information regarding successful real estate investing. And all you need to do to learn each one of these real est investing surface encounters chuck russo secrets is to pay a rather high sum for a one-or two-day seminar.




Often these kinds of slick property investing classes claim you could make smart, profitable real-estate investments with zero money down (except, of training course, the hefty fee you pay for the seminar). Now, how attractive is which? Make a benefit from real estate investments you created using no funds. Possible? Not most likely.




Successful owning a home requires cashflow. That's the character of almost any business or even investment, especially real-estate investing. You put your money into something which you desire and plan can make you more income.




Unfortunately not enough newbies towards the world of real-estate investing believe that it's the magical kind of business exactly where standard company rules do not apply. Simply set, if you would like to stay in real estate investing for greater than, say, a evening or 2, then you will have to generate money to use and make investments.




While it might be true in which buying real estate with absolutely no money down is easy, anyone who's even made a fundamental owning a home (just like buying their own home) knows there's far more involved in real-estate investing that can cost you money. For instance, what concerning any required repairs?




So, the number 1 rule people a new comer to real estate investing ought to remember is always to have available cash reserves. Before you choose to actually carry out any property investing, save some cash. Having a little money in the bank when you start real property investing surface encounters chuck russo can help you make more profitable real estate investments in rental properties, for example.




When property investing in rental attributes, you'll want every single child select only qualified tenants. If you might have no cashflow when real-estate investing inside rental qualities, you could be pressured experience a much less qualified tenant since you need somebody to pay you money so that you can take care of repairs or attorney fees.




For any type of real property investing, meaning leasing properties or properties you get to sell, having money reserved can permit you to ask for a higher price. You can ask for a increased price from your investment because an individual surface encounters chuck russo won't feel financially strapped as you wait for an offer. You won't be backed into a corner and forced to accept just any offer because you desperately need the money.




Another downfall of several new to property investing is, well, greed. Make a profit, yes, but do not become therefore greedy which you ask regarding ridiculous leasing or second-hand rates on many real property investments.




Those a new comer to real property investing have to see real estate investing as a business, NOT a spare time activity. Don't believe that real property investing will make you wealthy overnight. What enterprise does?




It will take about 6 months to decide if real-estate investing set for you. If you have decided that, hey I really like this, then give yourself a few years to truly start earning profits. It usually takes at minimum five years to become truly successful in real-estate investing.




Persistence is the key in order to success in property investing. If you have decided that real estate investing is perfect for you, surface encounters chuck russo keep plugging away at it and the rewards will be greater than you imagined.











Warren Buffett just announced that he's making a landmark investment, $5 billion, in Bank of America.

Bank of America was facing a free-falling stock price and a number of criticisms, including that it did not have enough capital, and that its assets were not worth what it claimed.

Now thanks to Buffett, that will certainly change.

When similar investments were made in Citi and in Goldman Sachs, by Prince Alwaleed and Warren Buffett, in 1990 and 2008, respectively, the stocks experienced long term gains. 

And get this - he says he dreamt up the idea to invest in Bank of America in the bathtub on Tuesday. He liked it, so he called Moynihan on Wednesday morning. The entire story of how it happened is available in a video embedded below, as told to Becky Quick by Buffett.

The story (and the mental image) is amusing but also important - it suggests that the Obama Administration and/or the Treasury, did not have a hand in the agreement.

And to make it very clear that Treasury or Obama had no hand in the arrangement, which makes the news even better for Bank of America.

So does this - the deal is expensive for Buffett, and a good deal for Bank of America. He says in some ways, it's better than the deal he gave to Goldman Sachs in 2008.

But obviously, it's a great deal for Buffett.

Buffett's investment alone is now worth $700 million more than it was when he bought it.

funny.. i learn from this thread that there are "good" capitalists and "bad" capitalists.. only if it were for good capitalists everything would be fine... there are no good/bad capitalists. concentration of wealth and diminishing marginal profitability lead to rent-seeking, monopoly seeking, corruption and imperialism for all eyes willing to see. it was always like this. it always will be. good thing the us citizen is at least seeing the present corruption. maybe with some critical thinking he will also connect the dots and see the omnipresent corruption indogenous to capitalism. the tale of perfectly competitive free markets is a tale. there never has existed one there never willl.. maybe fruit/vegetable markets, which now are facing extinction brought to you by the wonderful capitalist monopoly-seeking inventions of monsanto...

the us entered the first world war by organising false flag attacks on its vessels so that capitalists could sell nerve gas to both sides. the us entered the second world war by allowing japs to bomb pearl harbor so that capitalists could make more money. the us organised another false flag attack on ny and killed 1 million iraqis so that oil could keep flowing and haliburton could make a few bucks meanwhile. there's no "clean" version of capitalism. wake up!

and for the nth time.. no, obama is not a marxist. if he were, he would not be waging imperialist commodity wars in afghanistan and socialising bank losses. marx would probably be severly frustrated if he knew people called slick imperialist puppets marxists... 

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You've no doubt seen them or read them. Glossy advertisements or four-color advances in publications and magazines promising to show you every one of the juicy details about successful real estate investing. And all you should do to learn each one of these real est investing surface encounters chuck russo secrets is to pay a rather high sum for a one-or two-day seminar.




Often these types of slick real estate investing seminars claim that you could make intelligent, profitable property investments with zero money straight down (with the exception of, of training course, the large fee you pay for the class). Now, how appealing is which? Make a make money from real est investments you created using no money. Possible? Not most likely.




Successful real estate investment requires cashflow. That's the nature of any type of business or perhaps investment, especially real-estate investing. You put your money into something that you wish and plan will make you more income.




Unfortunately too few newbies for the world of real-estate investing believe that it's any magical form of business in which standard business rules will not apply. Simply place, if you would like to stay in real estate investing for greater than, say, a day time or two, then you will have to create money to use and commit.




While it might be true that buying property with no money down is straightforward, anyone who is even made a fundamental owning a home (such as buying their very own home) understands there's a lot more involved in real estate investing that can cost you money. For instance, what regarding any required repairs?




So, the number one rule people new to real estate investing ought to remember would be to have obtainable cash reserves. Before you decide to actually carry out any property investing, save some money. Having just a little money inside the bank once you begin real estate investing surface encounters chuck russo can help you make more profitable real estate investments in rental properties, for example.




When real estate investing in rental properties, you'll want to be able to select simply qualified tenants. If you've no income when real estate investing inside rental qualities, you could be pressured experience a less qualified tenant because you need somebody to cover you money so that you can take attention of maintenance or attorney fees.




For almost any real property investing, meaning leasing properties or even properties you get to resell, having cash reserved can enable you to ask for any higher price. You can require a greater price out of your real estate investment because you surface encounters chuck russo won't feel financially strapped as you wait for an offer. You won't be backed into a corner and forced to accept just any offer because you desperately need the money.




Another downfall of numerous new to real-estate investing will be, well, greed. Make the profit, yes, but do not become so greedy that you simply ask with regard to ridiculous rental or second-hand rates on all of your real est investments.




Those new to real est investing have to see real-estate investing like a business, NOT an interest. Don't think that real property investing is going to make you rich overnight. What enterprise does?




It requires about six months to figure out if property investing set for you. If you've decided which, hey I love this, then give yourself many years to actually start earning profits. It typically takes at least five years to become truly productive in real-estate investing.




Persistence may be the key to success in real estate investing. If you've decided that real-estate investing is perfect for you, surface encounters chuck russo keep plugging away at it and the rewards will be greater than you imagined.

It is very difficult to determine the sex of a pigeon. I used to keep pigeons as a kid so I’m good at it.

There are three ways to do it:

1 – Check their reproductive organs

Pigeons genitalia all look the same (they have ‘cloaca‘) so you will have to cut them open to actually see their reproductive organs. Not a very efficient method.

2 – See who goes on top

There isn’t much variation in the sex life of a pigeon. Males go on top. No Kama Sutra here. Fortunately all they do is eat and, ehm, reproduce. You won’t have to wait very long to see that happen. But you do need 2 pigeons and some patience.

3 – Look at their faces

Yes, pigeons have faces just like humans.

It takes years to be able to read the face of a pigeon. I kept pigeons as a kid so I can tell the sex of any pigeon just by looking at their faces for few seconds. Just like with most humans. Humans have the added benefit of clothing, hair and breasts. But even without that a face looks feminine or masculine.

Investors try to look under all those feathers but up close all excel sheets look the same. They try to see who goes on top but then you would have to wait until the entrepreneur meets an actual client.

But once you have met enough starting entrepreneurs one look at someones face is usually enough. You know what you have got and who is a good bet and who isn’t.

Just like with pigeons.

This is a variation of post I published in 2007. Photo credit: Igor Stevanovic via Shutterstock.

You wouldn't think Apple and Indonesia have much in common. On the surface, they don't, but they can still teach you a lot about investing. Let's start with Apple.

Apple made the news recently with two major events. It is locked in a battle with Exxon over which is the most valuable company by market capitalization -- a remarkable turnaround. Apple has a market value of over $344 billion. Then Steve Jobs announced his resignation at Chief Operating Officer for health related reasons.

According to a thoughtful blog by Weston Wellington of Dimensional Fund Advisors (not available online), it was not so long ago that the financial media was trashing Apple. In February 14, 2005, Robert Barker, in an article in BusinessWeek stated "...Apple doesn't tempt me..." I wonder what did. Maybe Lehman or Bear Stearns!

Steven Gandel weighed in with an article in Money on March 24, 2004. He quoted Transamerica portfolio manager Chris Bonavico who opined that Apple stock is "...crap from an investor standpoint."

Many analysts credit the remarkable sales of its Apples Stores as the key to Apple's success. In a quote attributed to David Goldstein, Channel Marketing Corp, which appeared in an article in BusinessWeek on May 21, 2001, Mr. Goldstein gave Apple "two years before they're turning out the lights on a very painful and expensive mistake."

What can you learn from these comments about Apple stock? Read the financial media if you find it entertaining. It's useless (and potentially harmful) as a source of reliable financial advice.

What about Indonesia?

The financial media was preoccupied with the downgrade by Standard & Poor's of the credit rating of the U.S, which lowered its rating from AAA status to AA plus. The new rating places the U.S. below the United Kingdom, Canada and even the Isle of Man.

Many investors viewed the lower rating with alarm and considered it a precursor of low stock returns for decades to come. The data tells a much different story, and may indicate there is no better time to invest in U.S. stocks and bonds.

In another blog, Wellington notes that Standard & Poor's rated the credit of Indonesia a "B" in July, 2001, which placed it in the "junk" category. Over the past decade, its credit rating has never risen to investment grade.

Investors in the Jakarta Composite have earned a total return of a whopping 29% per year over the last decade, ending June 30, 2011. According to Wellington, "If the Dow Jones Average had kept pace with Indonesian stocks over the past decade, it would be over 104,000 today."

Here's the lesson to be learned from Indonesia: A low (or reduced) credit rating on sovereign debt does not necessarily correlate to lower stock market returns. This is the opposite of what many investors and financial talking heads believe.

Most investors get their financial information from the financial media or brokers. As Dr. Phil would say: How is that working for you?

Dan Solin is a Senior Vice President of Index Funds Advisors (ifa.com). He is the author of the New York Times best sellers The Smartest Investment Book You'll Ever Read, The Smartest 401(k) Book You'll Ever Read, and The Smartest Retirement Book You'll Ever Read. His new book, The Smartest Portfolio You'll Ever Own, will be released in September, 2011. The views set forth in this blog are the opinions of the author alone and may not represent the views of any firm or entity with whom he is affiliated. The data, information, and content on this blog are for information, education, and non-commercial purposes only. Returns from index funds do not represent the performance of any investment advisory firm. The information on this blog does not involve the rendering of personalized investment advice and is limited to the dissemination of opinions on investing. No reader should construe these opinions as an offer of advisory services. Readers who require investment advice should retain the services of a competent investment professional. The information on this blog is not an offer to buy or sell, or a solicitation of any offer to buy or sell any securities or class of securities mentioned herein. Furthermore, the information on this blog should not be construed as an offer of advisory services. Please note that the author does not recommend specific securities nor is he responsible for comments made by persons posting on this blog.