House & Buy a flat: Real estate investment

Many real estate buyers bring a lot of time with them, some of them need to move quickly. Career changes, spontaneous inheritance, but also tax aspects, such as profits at the end of the year to avoid tax, play a role for some property buyers.

Factor: Time, local knowledge and laws for owners

But it is not only the time that holds risks for many a real estate investor, the lack of local knowledge also ensures that the property search takes considerably longer than planned and causes considerably more sources of error. Sometimes expensive mistakes, after all you are moving in a new legal system (USA or Europe, or Germany).

Risk factors:

• Lack of time
• Lack of local knowledge
• New laws and taxes

Real estate yield: city districts in comparison

Some evergreen districts, mainly in the city centres, always pay off for real estate investors in the end. On the other hand, the return on the property is “only” moderate. If you want a higher property return, you have to go to Upcoming districts.

Some buyers, however, will by no means deal with the yield of a property, but first of all with the basics, the mistakes that can be made when buying a property, as well as the procedure, from the search, through the broker of the to purchase contract and notary.

Real estate special: USA, Germany (emigrants)

Hundreds of thousands immigrate to both countries every year, hundreds of thousands leave the countries and look for a new home. Career changes, as described in the introduction, the new love, a spontaneous inheritance or a blatant change of scene. It is not always about investment. This is another reason why our little guides are intended to provide a quick and clear insight into the megacities of both countries.

Example New York City

Here is a little insight into the city that never sleeps. Which districts do you need to know? Which taxes are important for real estate buyers in the USA? Even in the state of New York?

• Investment brochures

Each individual investment brochure is available in two languages, English and German. Tip! Among the individual investment brochures you will find more detailed information, for example on the square metre prices for condominiums and houses in the respective cities. You can find out about buying a house or buying an apartment free of charge from us at. Here you can access the respective overview, invest in the USA and invest in Germany:

• Investment brochures

Multi-family houses and renting

You do not want to buy only for your own use but would like to rent out parts of your property? Then there are once again very special requirements, laws and regulations that you need to know.

• Buy a multi-family house
• Build or buy an apartment building ?

Podcast – “Richer than the Geissens” now for free!

Important: Currently the book is only available in Germany! I speak German and discovered this book or audio book two weeks ago. Even if you wouldn’t understand a word in the podcast, I wanted to introduce some of the methods and strategies to you!

“Richer than the Geissens” by Alex Fischer is one of the most successful business books in Germany. 200,000 readers, top rankings on Amazon (currently 3rd place in Success for Job & Career), speak for themselves. Now comes the absolute highlight: the audio book is now available for free on Spotify and iTunes! Your chance to learn the strategies and principles that made the author successful. Author Alex Fischer has earned millions himself with real estate and still holds over 20,000 square meters of space in and around Düsseldorf. He started with 0 Euro equity.

Nothing comes by chance. Alex Fischer himself started with 0 Euro equity. He grew up as the son of two teachers. So he himself had no source of money worth mentioning. He gained experience. More and more and more. His great passion: passing on knowledge to the next generation of entrepreneurs.

For example through the podcast on “Richer than the Geissens”, which he now makes available free of charge in the two most popular apps Spotify and iTunes. Your and my chance to learn something for the future.

The audio book contains an incredible amount of know-how, principles, strategies, examples and procedures, as well as checklists and questions that you absolutely must ask yourself if you want to be successful in life and in your job. In the first part I was especially impressed by these 3 learnings, which I want to share with you here! Briefly explained, the money magnet ensures that you automatically attract money. The money laws help you to make decisions and through the account structure you create more and more financial freedom through reserves and protect yourself from unnecessary expenses. These and many more learnings you get in the first of three parts.

“RADG” at a glance: Contents and methods

Before we take a closer look at the tips, here’s a quick reminder for you of what makes the book and podcast so special. The book and the free audio book at a glance, it contains (excerpt from Amazon):

• 43 timeless laws of success to get off to a maximum start
• 14 concrete steps to become a real estate millionaire in just five years
• Principles and tools to build a freedom and money machine
• The real reason why money alone does not make you happy
• The 7-contact rule for an extensive network of experts
• Your 1st property: Effective strategies to build up equity and double cash flow
• Podcast for free
• Member area free of charge

“Money and prosperity love order” – this quote ends Edition 26: An excerpt from own money laws from “Richer than the Geissens”. In order to make this possible, you create a fixed account system which, in case of doubt, will rather calculate you poorer than too rich.

In the mindset of everyone is anchored, “Money always goes away”. How can you change your mindset? Basically it is about a positive mindset in the implementation of your goals. What do people who are happier than average have in common? They take their life, their work, but also their relationships playfully, according to Alex Fischer. Why were Alex Fischer, Boris Becker, Michael Schumacher but also Reinhold Messner himself sad, especially in their moments of absolute success? Tip: Listen to episode 7: Make money (really) happy with the whole story! “It was success that ended the game.” Repeating this game is boring and does not give the same satisfaction anymore. Felt is only going downhill from now on. “Only” making more money doesn’t make you happy anymore. The big question: What do you enjoy? What makes you happy?

From Episode 25: Building instructions for a money magnet we slowly move on to the topic “Making money”. I find this episode so special because it contains a “simple” means. Here is a small insight into this episode: Money magnet. With the central question, how does the money magnet work? What does a money magnet change in your life?

How does the money magnet work?

Take 10% of your income (private) or 10% of your contribution margin (entrepreneur) and put it into a savings account. You never touch this account. In principle, the money magnet is so simple that it is slightly underestimated according to Alex Fischer. Error 2: It is often destroyed again. But tests and success reports have proven the success thousands of times. In order for your money magnet to work, you must follow these 3 rules:

1. Take 10% of your income (private) or 10% of your contribution margin (entrepreneur) and put it into a savings account.
2. You never touch this account!
3. Never! Never!

Alex Fischer explains in detail with stories from his own life why this money magnet has changed everything for him. But he also explains that it’s not about this account making you rich. The account ensures that “more and more money is attracted”.

This account changes the mindset of people.

Account access? Fatal error

Alex Fischer talks in the podcast about his first money magnet, which he set up, directly after a trip to the USA, where he himself was sensitized to this topic. Half a year later he made a fatal mistake! Spoilers: Alex Fischer threw Pin and Tan from the account into the shredder.

Which mistake Alex Fischer made and why he threw away the Pin and Tan for the money magnet, you can hear in Following 25: Building instructions for a money magnet.

Excursion: contribution margin (10% for companies)

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Alex Fischer advises entrepreneurs to pay 10% of the contribution margin into the money magnets. Some will now ask themselves: contribution margin, what was that exactly?

The contribution margin (DB) comes from cost and performance accounting (KLR). The contribution margin itself is the difference between revenues and variable costs. It indicates how much a particular product contributes to covering fixed costs. You can use this key figure, for example, to calculate the sales quantity from which the company makes a profit – the break-even point.

Calculation example

As a self-employed person you will earn 10,000 euros per month:

revenue: 10.000 Euro
– variable costs: 4,000 Euro (e.g. raw materials)
= Contribution margin: 6,000 Euro
– Fixed costs: 1,500 euros (e.g. rent, insurance)
= Result: 4.500 Euro

Here once again the important key figures:

Contribution margin, variable and fixed costs – example

• Contribution margin – difference between revenues and variable costs
• Variable costs – What counts as variable costs? Variable costs are so-called variable costs that increase or decrease depending on the level of employment or the production volume of a company – example: raw materials for production
• Fixed costs – What counts as fixed costs? Fixed costs arise and are independent of the production or sales volume – example: employees, rent, insurance, etc.

Back to the topic: How do you build a money magnet. Remember, there are 2 mistakes. Error 1: The money magnet is so simple that it is easily underestimated. Error 2: It is often destroyed again.

Money laws: Account, reserves and expenses

In Edition 26: An excerpt from my monetary laws Alex Fischer reveals several of his principles. In the podcast and in the book you will find all tips in detail with best practices by Alex Fischer himself. Tip! For the following tips there are Excel tables in the members area on the website of Alex Fischer. Central is:

Calculate poor!

Why calculate poor? You don’t spend money you don’t plan for. Simple but brilliant! That way you don’t make any commitments that you can’t afford to make on closer inspection.

You will now learn how to “calculate poor” automatically and at the same time build up reserves, keyword “financial freedom”.

Account structure and allocation form

The insight into the account structure is extremely interesting. An allotment form. Simplified described you set up a pure purchase account, all revenues flow into this account. From this initial account you distribute reserves according to a certain key (allocation form) to your created subcounts. The account model (subaccounts) must of course be adapted to the individual needs.

1. All incoming cash account – All incoming, no outgoing to external accounts, only distribution to internal sub-accounts
2. Each receipt is entered on the allotment form – All distribution keys are stored as percentages
3. Outgoing account – Last item in the distribution key

This concept ensures that you no longer have the feeling that money is “taken away” from you.

According to Alex Fischer, the undernots are individually invested. A finished model will look like this, for example:

1. “Taboo reserve account” – The “money magnet” described above with 10%
2. Reserves for advertising – Approximately 10-15% of gross income
3. Risk account – legal actions, liability cases, etc.
4. … listen to the episode in detail, in Episode 26: An excerpt from my monetary laws. Believe me, you’ll be taking over the model immediately!

The adaptation and modification to individual needs comes in the second step. This construct means that no money is spent that belongs to someone else, for example taxes. It makes spending honest and transparent and you can counteract unforeseeable expenses.

Taxes: 50%+ do not belong to you!

Entrepreneurs but also self-employed and workers know or better should know: 100,000 euros is only 50,000 euros. Because round about 50% do not belong to you, but are taxes. 19% (in Germany) alone are already gone for sales tax. In addition there is income tax or also trade tax. In the end, more than 50% always belong to the tax office.

So if you spend 50.000 Euro for purchases, etc., then that was already too much! Wow. Have you ever considered it like this in your company?

But if you create reserves with the reserve form, you will not get into an unfavorable situation, because you will only calculate additional investments or expenses with your initial account.

Example: Fuel oil

The big goal of “Richer than the Geissens” is: “In 5 years without equity to become a real estate millionaire”. Accordingly, the first best practice examples from the real estate world are slowly emerging. For example in relation to expenditure for fuel oil, spread over 12 months.

Every month tenants transfer their fixed amounts for heating oil. In summer, however, there are no costs for heating oil, only in winter. Without reserves, the money could be mistakenly spent by the property owner. With the distribution key (reserves) from the reserve form, there would be no such danger, because our property owner would automatically have formed reserves and would know about his exact financial situation instead of making decisions based on missing information.

You want more and deeper information about money, happiness and mindset? You can find more on the Youtube channel. There are also many lectures of mine included, which were published on foreign channels. Now to: Alex Fischer Youtube.

Account structure and allotment form, another tool out of so many that you learn from Alex Fischer in the podcast of “Richer than the Geissens” in Episode 26: An excerpt from my money laws.

Toolbox: The consequence for self-assurance

Now part 2 (of 3) starts in the podcast, “The tools as manager of your life”. Parts 1 and 2 of “Richer than the Geissens” are the basis for happy entrepreneurs. Like in part 1, it is again about a lot of know how, principles and guiding principles for your life. The start is Order 31: Your toolbox.

Alex Fischer also had moments when it seemed as if everyone else was passing him by, understanding things faster and putting them into practice.

When he complained about this in a mentor talk, he was told by his mentor that it’s not that he “can’t do something”, he just doesn’t have the right tools yet. Successful people simply have a better toolbox and they know how to use the tools.

Once again an ingenious basic rule that takes complexity out of constant struggle. So for me, too, this means that above all I need the right tools, the knowledge of how to use them and of course practice, practice, practice. The awareness that there are the right tools for all problems is, according to Alex Fischer, important for developing oneself.

Such tools exist in every business.

What I also like about the whole podcast are the super practical examples, like this one about the toolbox of 5 electricians with a task.

5 electricians, one task: Who will win?

The task for the appointed electricians is the same (regardless of the exact activity). The first electrician comes without a tool box, the second has an incomplete one, the third has a complete one, but he does not know what the tools are for. The fourth brings a complete toolbox, knows his tools but does not know how to use them, he lacks practice. The fifth has a complete toolbox, knows what the tools are for and has practice in using them.

Who will do the job best?

Tools for entrepreneurs

Such tools are available in every business, as I said before. They are extremely versatile. You have tools for:

• Annual and target planning,
• Time management,
• Strategic planning,
• Find, select and bind the right employees,
• Generate contacts and win them over,
• Settle the dispute and prevent it beforehand,
• Marketing and sales

So if you have difficulties in an area such as “annual and target planning” or “generating contacts”, it is because you :

• You’re not aware that there are tools for this.
• You don’t have the right tool.
• Don’t know how to use the tool
• Have not yet had enough practice in using the tool.

Tools for private persons

Being the “entrepreneur of your life” is not only about business, there are much more basic tools in your private life, like:

• Tools for learning and evaluation,
• Tools to “beat your inner bastard”,
• Financially successful,
• Tools to lead a great and successful relationship,
• Etc. Our home valuation explains the methods.

From money magnets to toolboxes: In “Richer than the Geissens” you learn the setting for a successful and happy life. You can find these and other tools by Alex Fischer in Engine 31: Your toolbox.

Tip! On the website of Alex Fischer you can find hundreds of videos about the different tools, in the different sections! Here you can go directly to the member area of Alex Fischer.

Alex Fischer: Richer than the Geissens

“In 5 years without equity to become a real estate millionaire” – here you get the right and important tools for a happier and fulfilled life, also through financial freedom. Alex Fischer is living it up, with real estate he himself has already provided for a long time. His focus is on passing on knowledge, strategies and success stories. An extremely inspiring audio book. You want more Know How? Become a part of the Alex Fischer Community. or watch direct and free videos from Alex Fischer on Youtube.

“Richer than the Geissens”: Book and audio book

With over 200,000 readers, “Richer than the Geissens” is mega successful, for good reason. It is also in the top 100 at Amazon! In a nutshell, you get 43 timeless laws of success with which you can become more successful financially, professionally and privately. You learn to reach your goals, to “materialize” them (what this means, you learn in the book). You will receive exact step-by-step instructions for your own personal financial freedom. This way you avoid really frustrating mistakes right at the beginning. As a private person and / or as an entrepreneur, you learn from Alex Fischer how to avoid these fatal mistakes and at the same time follow your passion – every day! The book contains hundreds of learnings that will help you to live a happier and more fulfilled life. Best of all, you can get the audio book for free on Spotify and iTunes!

• Audio Book on Spotify
• Audio Book on iTunes
• Book on Amazon

Electronic trade in companies: Target Automation

One of the main goals of e-business is to automate the processes in retail to a large extent.

As in my small mentioned software example the automation can be advanced so far that one hardly had to carry out manual actions (mouse click instead of Excel tables and manual entry, calculation). From control software to instagram management, there is a solution for almost everything when it comes to process automation. What does your business model look like and how can you integrate the modern, digital distribution channels as well as the modern and digital production channels into your company? You will answer this question in your business plan if you fall back on such digital automation.

Electronic trade and software

One of the main goals of e-business is to automate the processes in retail to a large extent. In particular as far as the possibilities in online trading are concerned, the possibilities today are as varied as never before and they are becoming more and more. Besides, with a little talent and ambition, it doesn’t take long to run your own online shop. Without an expensive advertising agency. Until recently, this was unthinkable, a sales platform without outside help. Since this point is very important for many business start-ups and startups, we will go into detail about the different models that you can use, especially at the beginning, to advance your business model digitally.

1. DIY – Shopify, Jimdo, Wix – Chargeable, easy to use
2. WordPress / WooCommerce – Requires expertise or motivation
3. Amazon FBA – Shipping by Amazon, Logistics
4. Call Center Provider

WordPress and WooCommerce: Open Source instead of expensive

With the free Woocommerce Online Shop Plugin for WordPress you can create your own online shop in no time with the help (or much diligence) of an appropriate agency. The plugin is the decisive part for the online shop functions in the content management system WordPress. WooCommerce is just like WordPress itself, available as a free download, in several languages. With the powerful combination of WooCommerce and WordPress, you can easily create your own professional online shop with your own merchandise management systems. A Woocommerce online shop allows you to easily create invoices, optimize inventory, create coupons and vouchers or even give discounts on individual products, for all or only certain groups of products. WooCommerce can also be extended with practical features such as subscriber systems, so that payments are made regularly and automatically.

Website and online shop in one

With WordPress and WooCommerce, your company website and your online shop are supported with one system and one tool. The system also guarantees simple product management. With WooCommerce you can manage your entire product management as well as control inventory. You have flexible possibilities to show and hide products, you can define different categorizations for your individual goods and products and you even have another tool: You can offer digital products for download – with just a few clicks. In combination with a subscriber system and payment providers such as Paypal and voila settled.

Free Extensions

Extensions and free plugins such as the Subscriber System are possible at any time. With numerous expansion options and plugins, you can constantly expand, optimize and improve your shop as described. Most of these features are free and can be easily installed by yourself, the first media manager or an agency you trust. In addition there are further, very powerful plugins, which can increase the ranges and conversion additionally enormously. With an online shop based on WordPress you can’t do anything wrong – my recommendation.

Use of Content Management Systems

Important: As easy as it sounds to use content management systems like WordPress, you are working (without own know how) in a complicated system consisting of different links, HTML, CSS, PHP and SQL. If your shop does not “only” contain 10 products, but 500 or 1,000, then always think about professional support by an employee, freelancer or an online agency. If you don’t have the know-how or a lot of time and diligence to learn, you should use an agency for larger shops, which uses an intelligent and smart WordPress Online Shop System, which brings fast results and sales through many automations. Without complex extensions, the system can also be set up itself, with a little diligence and Youtube explanation videos.

Digital Call Center Provider

Digital call centers are ideal for you if you want to make statements about the conversations and especially the first contacts. On the one hand, there are call center providers who accept all calls and assign them according to a specific guideline. As the managing director of the new start-up, you or your employees will immediately receive a summary of the call content after each call. This will save you a lot of time, especially if you have a lot of calls that should be categorized first. You will then know exactly which calls are of high quality and which you can ignore. The service is then paid in a basic fee plus the respective minute rate per call. Of course, such digital call centres can not only be used for answering calls and classifying quality, but also for active telephone acquisition of new customers. There are specially trained call centres here that specialise in making contact with new customers. This service has the great advantage that you can completely outsource your own telephone sales. Also here you pay a monthly basic fee, as well as a certain minute price, depending upon quality of the caller and/or selling coworker of the Sup enterprise. Learn more in our guide on sell property.

Prices and possible solutions as well as providers can of course be found via search engines. Meanwhile an entire industry has developed around this area and accordingly you can find many offers online that you can fall back on. What strategies will you use for your business?

E-Business implementation costs

Shortly before the end of your business plan, you’ve really started all the considerations to establish your business model in the market. Now, for the last time, the question of realisation is being adressed comprehensively. How much effort is really behind the overall concept? Are really all the prerequisites and have been considered? Your central questions in the topic of realization effort:

1. Do you know the legal and commercial basics of your planned company?
2. Are you able to cope with the preparation and start-up costs?
3. Can you do this alone?
4. Is there help, partner etc.?
5. Do you know the necessary resources of time, money and know-how?

Guideline: Setting up your own business & business plan

You want to start your own business as a real estate agent or with another business idea? We support you with tips on your business plan and concept. Whether self-employed full-time or part-time self-employed: If you want to set up your own company, you have to think about a lot, in advance and in the operative business. From the right idea to health insurance – what needs to be considered if you want to become self-employed?

There is no training or further education for entrepreneurs. Managing director is you or not. Your own ambition is always important, because this is the only way to improve, every day.

The topics at a glance:

Print calendar free of charge: Annual calendar 2021

If you don’t need a single calendar month but want to print out the whole year 2021 for free, you can find here our free PDF with all 12 months and the overview sheet by printing it every 12 months. Thus they have a yearly overview as well as the individual months of spring, summer, autumn and winter clearly in a PDF. You can download the file here free of charge:

• Download: Calendar 2021 – save for free & print including 12 x monthly calendar (January-December) + 1 x year overview

If you are looking for individual calendar months, you will find here all individual months free of charge as graphics. You can save the files on your computer with a simple right click or print them directly to your printer. Our broker team from Lukinski wishes you every success with your planning and organisation.

January

February

March

April

May

June

July

August

September

October

November

December

This was our free download for the year 2021. If you need the calendar to plan your house sale, you can also talk to our experts and professionals about the topic. For a step-by-step approach: how to sell. We advise you as a real estate agent independently and supra-regionally with your house sale but also with the sale of your condominium. If you are interested in a consultation, you will find all information and contact details in our main menu!

Print your calendar for free: Annual calendar 2020

If you would like to download the entire annual calendar for the year 2020 now, we have collected all the individual monthly sheets and, of course, the overview for the year 2020 for you in this free PDF. Here you can download the PDF with a simple right-click or a click on the link. No registration is required and the download is 100% free! If you need a single month, you will find all months from January to December under the download.

• Download: Calendar 2020 – save for free & print including 12 x monthly calendar (January-December) + 1 x year overview

January

New year new happiness! 2019 was a truly outstanding year for many estate agents! Real estate prices are rising, no matter whether it’s the metropolises of Hamburg, Munich and Berlin or smaller cities such as Wiesbaden, Mainz or Bingen am Rhein! Excellent times for real estate buyers and of course also for sellers. Everything you need to know: property buying guide. Our team also wishes you an excellent year for 2020! So that you can start your year perfectly, you will find here all the individual months, from spring, summer, autumn and winter to free download!

You can either save the images by right-clicking on the image and then pressing Save Target As. If you want to print the image directly on your printer, then right click and press print below. The graphic is already sent to your printer and you have printed your calendar for the month of January.

February

March

April

May

June

July

August

September

October

November

December

For many real estate agents it was another absolutely successful year! In 2020, shortly before the next Bundestag elections, many are looking back on good business. Real estate prices have risen as in previous years and as predicted. In all major metropolises from Hamburg to Munich, but also in smaller cities such as Wiesbaden and Mainz.

In the month of December, for most people it is of course about the annual accounts. With our monthly calendar for December you can optimally plan your last weeks and days shortly before the holidays come. Here you can download the month of December for free.