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You've without doubt seen these or read them. Glossy advertisements or four-color spreads in publications and papers promising to instruct you all the juicy information about successful property investing. And all you have to do to learn every one of these real property investing surface encounters chuck russo secrets is to pay a rather high sum for a one-or two-day seminar.




Often these slick real-estate investing seminars claim that you can make smart, profitable real estate investments with simply no money straight down (other than, of training course, the hefty fee you purchase the seminar). Now, how attractive is which? Make a make money from real property investments you made with no funds. Possible? Not likely.




Successful real estate investment requires income. That's the nature of any type of business or even investment, especially property investing. You put your hard earned money into a thing that you desire and plan is likely to make you more money.




Unfortunately not enough newbies towards the world of real-estate investing believe that it's a magical kind of business in which standard company rules do not apply. Simply set, if you need to stay in property investing for a lot more than, say, a day time or a couple of, then you're going to have to create money to use and commit.




While it might be true in which buying real estate with absolutely no money down is easy, anyone who is even made a simple real estate investment (like buying their own home) is aware there's much more involved in real-estate investing that will set you back money. For example, what about any required repairs?




So, the primary rule people not used to real estate investing ought to remember is to have available cash supplies. Before you choose to actually do any property investing, save some money. Having just a little money within the bank when you start real est 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 just qualified tenants. If you might have no cash flow when real estate investing inside rental qualities, you might be pressured to take in a less qualified tenant since you need somebody to cover you money to be able to take care of fixes or lawyer fees.




For almost any real property investing, meaning local rental properties or even properties you buy to resell, having money reserved can allow you to ask for any higher price. You can ask for a greater price from your owning a home 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 numerous new to property investing will be, well, greed. Make a profit, yes, but don't become thus greedy that you simply ask for ridiculous rental or resale rates on all of your real estate investments.




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




It takes about 6 months to determine if real-estate investing set for you. If you might have decided that, hey I love this, then provide yourself many years to truly start earning money. It often takes at minimum five years to get truly productive in real estate investing.




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

Ashton Kutcher probably gets more pitches in Silicon Valley than Hollywood these days.

The movie actor and technology investor turned up the star power at the TechCrunch Disrupt conference this week in San Francisco, where start-up companies competed for his attention. Michael Arrington, fresh off his own Hollywood worthy drama, interviewed Kutcher on stage Tuesday.

Kutcher plays a tech investor in real life and in CBS' top-rated "Two and a Half Men" on TV. His character, Walden Schmidt, is an Internet billonaire who sold his company to Microsoft and now backs other entrepreneurs.

"There are some parallels to my actual life," Kutcher said.

On the show, Kutcher said he covered his character's laptop with stickers of his "dream portfolio" companies but CBS balked at giving exposure to companies that hadn't paid for the privilege.

Kutcher told Arrington that his investments were a "witch hunt" for the next big thing "that is so magic you can't understand how it works."

"I wonder what would happen if a pilgrim would have seen a computer back in Massachusetts 200 years ago. They would have killed the person as a witch because the computer would look like magic. That's the essence of being a good investor, they're on witch hunts," he said. "That's what I’m trying to do."

Kutcher is not your typical celebrity investor. He was a biochemical engineering major in college so he gets technology but, because he was a model at 19, he says it's nice to be appreciated for "something substantial."

On TV Kutcher is in the funny business. But in technology he's hunting for happiness. Kutcher says he picks technologies that have the greatest potential to create more love, friendship and connectivity in the world.

He has made 40 investments in companies such as AirBNB, Path and Skype but does not disclose many of them.

"I think sometimes for the early-stage companies that I've invested in, disclosing that I'm an investor can be detrimental to the story of the company," Kutcher said.

RELATED:

Ashton Kutcher: Entrepreneur, investor

Star investors (and other stars) come out

Ashton Kutcher at TechCrunch50: Blah, blah, blah

-- Jessica Guynn

Photo: Hollywood actor and Silicon Valley investor Ashton Kutcher and TechCrunch founder Michael Arrington at TechCrunch Disrupt. Credit: Araya Diaz / Getty Images

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.