Earn money with real estate

Capital investments are currently becoming increasingly popular as protection against inflation. Inflation reduces the purchasing power of your money over time. Rising inflation therefore basically devalues your money. This is shown by the inflation rate in Germany.

You can find more statistics at Statista

In contrast, real estate prices are rising nationwide every year. This is due to social growth, urban growth and a decline in living space. This is also shown by the Federal Statistical Office’s house price index.

You can find more statistics at Statista.

Real estate increases in value over time, and can therefore not only secure the value of your money, but also serve as a wealth accumulator.

Achieving financial freedom with real estate

For more and more people, investments are the path to financial freedom and a secure pension. If you want to make money with real estate, you buy properties in good locations with a profitable yield with the help of financing from the bank, then rent out the property and pay off the monthly installments through the rents. In the long term, the investor makes an additional monthly profit that goes into their account.

Of course, that’s not all you need to know as a real estate investor. To minimize the risk of losses, you need as much know-how as possible. Good news! You don’t have to start from scratch or trawl through thousands of books. There are already many experienced investors who have successfuly made their money with real estate. That’s why this article gives you 5 tips from real experts on the subject.

5 tips from real professionals

If you are thinking about good investments to increase your wealth, buying a property as an investment is the way to go. Real estate is a proven way to optimize your wealth and achieve financial freedom. Are you a total newcomer to the business? No problem. There are already hundreds of success stories of experts who have made money with real estate. We’ve compiled the knowledge for you in one article. Here are 5 tips from real professionals!

Insider tip: location is the key to success

The first tip promises to be the big secret behind real estate success. The location of a property is crucial to the success of your investment. Real estate experts recommend investing in prime or up-and-coming neighborhoods, as they often offer the best rental income and performance. A-locations are prime locations close to key facilities and amenities. B-locations offer a happy medium, while C-locations are a cheaper but riskier option. It is important to choose the right strategy for your future plans. Your choice should therefore depend on your investment goals and risk appetite.

You should remember this about the various location strategies:

• A-location – expensive & profitable
• B-location – the good center
• C-location – inexpensive & risky

Careful yield calculation protects against losses

The return is a decisive factor in the assessment of a capital investment. The key word here is: return formula. Experts recommend calculating a gross yield and a net yield. The gross yield considers the annual rental income in relation to the purchase price of the property. The net yield also takes into account operating costs, taxes and financing costs. It is recommended to make sure that the return matches your financial goals before you invest.

The gross yield helps with initial decisions for or against an investment in a property. Before drawing final conclusions, however, the net yield should also be calculated. Otherwise, later losses cannot be ruled out.

It is important to know:

The net yield is more secure than the gross yield calculation.

In our guide to real estate investments, we reveal how high the yield currently needs to be: Real estate as a capital investment for beginners.

A smart and well-considered approach to financing

The right financing is crucial. It is advisable to use at least 20% equity to minimize mortgage interest and risk. Make sure you have checked your credit rating and can pay the monthly installments without any problems. Choosing the right financing option can make a significant difference in your real estate investment in the long run. Usually, an annuity loan is taken out as a loan.

You can find more statistics at Statista

Those who think short-term end up spending far more

Real estate investments should be viewed with a long-term perspective. Experts recommend not investing in real estate if you expect short-term gains. Demand for housing increases over time, which offers long-term benefits. Plan for long-term success and remain patient.

Professional support takes you to the next level

It may be advisable to seek professional help. Real estate agents, financial advisors and tax experts can offer valuable advice and support. An experienced real estate expert can help you choose the right property and manage your investment. Our tip: Many real estate advisors offer a free initial consultation where you can ask all your questions about real estate investment.

The most important statements of the professionals summarized

Real estate investing requires research, planning and a clear strategy. By following these tips from experts, you can increase your chances of success and build your portfolio as a real estate investor. Let’s recap what really matters.

Investing in real estate can be a smart investment if you pay attention to the right factors. The choice of location, return targets and the right financing are crucial to your success. Remember that real estate investments require patience and are best invested for the long term. If you keep these points in mind, real estate as an investment can be a lucrative investment that offers you long-term financial stability.

Get off to a good start with real estate with the guide for beginners – one article to learn everything you need to know!

Guide for beginners

You’ve decided you want to invest in real estate – that’s a great idea! Real estate can be a stable and profitable form of capital investment. If returns and positive cash flow are still foreign words to you, then you’ve come to the right place. We unravel the mystery of the money-making machine that is real estate ownership. In this article, you’ll learn the basics of investing. Location, yield, financing: what really matters?

• Real estate as an investment for beginners

Wealth Building Basics: Tips, Tricks & Strategies

Build a fortune! You don’t want to slave for your money? You want to make your money work for you and finally build a fortune, whether for retirement or retirement planning? We’ve rounded up the best book tips for you to learn how you too can finally get to building wealth. If books are too cumbersome for you, you can also find a link to a compilation of videos on the subject here.

• Book Tips: Wealth Building Basics

Retirement: Early retirement, guide, tips and tricks

Sooner or later, everyone has to deal with their pension. How the pension system works, when and where you can get the best information, what mistakes you can avoid and what tips there are to increase the pension, we show you here. We also give you insights into investment options and the Riester pension. Here you can learn a lot with book tips with tricks from experts and also provide for your old age or collect know-how for your parents or relatives.

• Book Tips: Retirement

Successful Investing: Investing, Taxes & Avoiding Mistakes

Successful investing is a dream of many people. But unfortunately, it is not as easy as it seems. How can you start as a beginner in the investment industry? What do you have to consider and which mistakes should you avoid at all costs? What is worth investing in? And what does the term ”investment” mean anyway? We present you the best books on the subject of investment, in which experts pass on tips and tricks to you.

• Book Tips: Invest Successfuly

Finance: Shares, strategies and financial freedom

Everyone has to deal with them sooner or later: Finances. But what actually belongs to the topic of finances? What should you pay attention to when dealing with your finances and what advantages can you possibly gain? We have collected book tips for you with literature from experts who can tell you their tricks and illustrate and explain the world of finance to you. Learn everything about finance, strategies, stocks and much more!

• Book Tips: Finance

Retirement planning: finances, shares and pensions explained

The topic of old-age provision is one of the most important issues Germans are concerned about. Already at a young age, one is made aware of the need to provide for later. But how exactly do I do that? When do I start with the old-age provision? Which mistakes should I avoid? Where can I get tips? And why do I need a pension at all? We’ll answer all these questions and more here, with book recommendations from experts who share their know-how with you.

• Book Tips: Retirement Planning

Passive Income: Invest, rent and more

For whom doesn’t that sound tempting: earning money “without doing anything for it”. But of course it is not quite that easy. If you want to generate passive income and thus build up a fortune, you have to proceed strategically and take many factors into account. Real estate, for example, can often be a good way to generate passive income. But how to buy and rent a property, or generally generate passive income, experts have commented in various books. We have collected the best-rated books with tips and tricks from professionals for you.

• Book Tips: Passive Income

Tip! Wealth building XXL: Finance, Investment & Co.

Who wouldn’t like to build up their own assets? Whether you want to be able to afford something or would like to generate a financial buffer for old age, asset accumulation is a relevant and, above all, sensible topic for virtually everyone. But what options are there for building up assets? Life insurance, retirement planning, or investing in real estate? Here you will find an overview of articles, as well as book and video recommendations on the subject of asset building. From saving taxes to passive income to tips on successful investing – experts and professionals share their know-how in their videos and readings and answer all questions about wealth accumulation.

• Book and Video Tips: Wealth Building XXL

Entry into real estate investment

Investing in real estate – whether a house or apartment, penthouse, apartment, maisonette, villa, terraced house or bungalow – always seems to be a good investment at first glance, but in order to actually make a profit and at best generate passive income, you need some know-how. Before all, you need to know which mistakes you should avoid at all costs. In our video list on the subject of real estate investment, you will learn exactly this necessary know-how and you will be explained what mistakes ignorant investors often make, to do it better yourself. Get inspired and become a professional investor!

Before we get to the video recommendations for real estate investing, here are 3 tips on the topic: Learn for free on Lukinski, we have book recommendations and for those who want to become a real estate investor, another look at the topic of taxes, because the more money you make, the more taxes you pay. The more knowledge you build up here, the less taxes you pay and the more equity you have, for your investments.

Buy, finance and invest (external & free of charge)

Online you can find a lot of articles and tips on Lukinski.de. Here you can learn everything: from tax basics for asset accumulation, to real estate as an investment through renting, to saving taxes with real estate (external). Everything free of charge from the expert.

Tip! Overview Real Estate XXL

The world of real estate is complex and multifaceted. If you want to keep an overview and avoid making mistakes, you should prepare well and clarify as many open questions as possible in good time. No matter whether you want to build, buy and rent out a property or live in it yourself, or even use a property as an investment to generate passive income: The preparation is the A&O. Here you will find articles, as well as book and video tips with successful and helpful books and videos on the subject of real estate – including tips and tricks from professionals and experts.

• Book & Video Tips Overview: Real Estate

Tax Coaching for Landlords / Investors: Field Report

If you write about real estate, you have to educate yourself. More concretely, when it is no longer just about personal use, but also about renting. Because, the biggest item on the expense side is taxes. The more you earn, the more taxes you have to pay – the problem is clearly defined, what to do? Learn from experience, from those who have made it. Many say that the Next Level Tax Coaching is the best in Germany. Reason enough to take part yourself. You want to become a real estate investor yourself?

Read more about tax coaching here:

• Coaching in tax optimization

Entry as a real estate investor

All beginnings are difficult – especially with such a capital-intensive topic as the purchase of a property. There are many factors to consider. Whether it’s about financing, the most common mistakes or the question of whether renting is even worth it: In these videos, you’ll get answers to the most common questions about real estate as an investment.

Start in the first property

Here you can find out how to get started with the best tips for owning your first property. What is the best way to start, and with what – apartment or house? When can you expect profits and how does a house purchase work? Two professionals tell you about their first steps as real estate investors.

7 ways to invest in real estate

In this video, you’ll learn the 7 best ways to invest in real estate:

1. Home
2. Rental properties
3. Closed-end real estate funds
4. Open-ended real estate funds
5. Real estate shares / REITs
6. Real estate equity funds (active)
7. Real estate equity funds (passive)

Buy first apartment

How do you actually get started? How do you buy your first home? In this video, a professional investor explains how to get started in the world of real estate investing.

Let property

You have a property and are thinking about whether renting it out is really worth it? Of course, as an investor, you want to make a profit in the end. How to do that and when renting out a property is really worthwhile, you will learn in the following videos.

Is it worth renting?

Interest rates at record lows, high property prices: Isn’t it worth buying a rented property as an investment? This video will show you whether the calculation “the tenant pays off the installments to the bank” works. How you can best rent out your property and how it can function as a real investment is explained here for you.

Rent or buy ETFs?

What’s more worthwhile: buying a property and then renting it out – or using the money to buy ETFs? In this video, we’ll run through 6 scenarios for you to decide which investment strategy works best for you.

Errors and tips

Mistakes can always be made, but especially when it comes to real estate investment, these mistakes can be costly. To avoid this, the most common mistakes in real estate investment are shown here. With these tips, hopefully you will no longer fall into an expensive investment trap.

Avoiding mistakes when buying real estate

Alex Fischer explains in this video what you have to pay attention to when financing real estate, the location, size and type of the apartment and which rules you should absolutely follow for owner-occupied real estate as well as for capital investment. Don’t make the same mistakes as other investors and save time and money with these tips for your next real estate investment.

9 typical mistakes

Making mistakes when buying real estate can have serious consequences. What to look for when buying real estate is therefore a central question that you should ask yourself when buying real estate as an investment. How you can avoid mistakes when buying real estate is shown in this video. For example, it is about the choice of location, the calculation or the rental model.

Financing: Save on credit, repayment and taxes

A property is often an immense investment. Very few people can finance this out of their own pocket. But which type of financing is the best and most efficient for you, your situation and your property? And should you have taken out a loan or credit, what is the best way to organise repayment? Is there possibly even a way to save taxes in the process? These questions are adressed in detail in the following videos.

Real estate as an investment

Real estate as an investment – sounds easy, but unfortunately it’s not that simple. What advantages a property as an investment can have, however, if you do it right and know your way around, you will learn in this video.

Save taxes

With the right knowledge, you can save a lot of taxes with your real estate. Watch the video to learn what expenses can be deducted on your tax return, so you can use your strategy to grow your investment and ideally reinvest the money you save.

Repayment: which rate is optimal?

The real estate loan or real estate financing has a huge impact on whether a property works as an investment or a home works as an investment. Financing a property is therefore something you should definitely understand before buying. One important question to ask is how much to amortize or what is the optimal amount of amortization. In this video you get exactly the right answer.

Related links about the topic Real estate

Are you wondering how to buy, sell, rent or finance a property? What exactly does a real estate agent do? If you’re looking for answers to these questions, check out our advanced book lists with recommendations and reader reviews on real estate!

Tax return: instructions, tips & guides for students, pensioners, professionals

Why, why, why are tax returns so important? Not only professionals, but also students or pensioners can benefit from a tax return. If you have never deducted anything from your taxes and have no previous knowledge, you can get super informed in our tax return guide. We show you tips and tricks on how to avoid mistakes and provide you with tutorials that will help you with your first or next tax return. If you want to know even more, then we have a great article on the tax basics: income, sales & Co.

• Video tips on the subject of tax returns
• Book recommendations on the subject of tax returns

Real estate agent

Earning money with real estate is a lifelong dream for many. Marketing and selling luxurious homes in the most beautiful cities in the world. That’s the image that comes to mind when we think of real estate agents. We want to show you the way to get there and give you a jump start. We offer you a list of the best book recommendations with tips and tricks from the experts: everything from training books, job aids with forms, and guides with how-to’s on getting started in real estate. Our guides to success in the real estate industry

• Real estate agent: Book recommendation
• Real estate agent: video tips

Overview Real Estate XXL: Investment & Co.

Here you get back to the overview of book and video recommendations on the subject of real estate in Germany. Investment cases, capital investment, passive income, house or apartment buy and rent and much more is explained to you here by experts and understandable. In this XXL guide you will find information and articles on the most diverse questions on the subject of real estate.

• Back to Book & Video Tips Overview: Real Estate

Top 5 – Tips for every photographer

Master your camera and the equipment from the FF, do not use a tripod in the studio, … these are our 5 tips for you as a photography beginner.

Important: control your camera and the equipment from the FF

You should be so familiar with your camera that you could be woken up in the middle of the night and immediately find and show the most important buttons and features of your camera. No matter what kind of shooting, only in the rarest cases you have the time to look for the appropriate buttons and settings. Otherwise you could miss crucial moments and thus recordings. If you have mastered the technique in your sleep, you can fully concentrate on the essentials.

You are bored and lack inspiration?

Then dedicate yourself to new things for a while. Every photographer knows the “problem” and knows how burdensome it can be, too much routine. Only very few photographers can or want to commit themselves to a single photographic segment. For example, if you only photograph fashion, you may get “tired” and lose your passion. This can of course also be reflected in your work and your recordings can lose their “shine”. Don’t be afraid, then take a look into another photographic area. The variety will do you good and you will probably collect a bunch of new ideas and inspiration for your hobby horse.

Do not use a tripod in the studio!

Even though many technical literature invokes it as the basic equipment in a studio, there is nothing worse than a photographer who takes pictures stubbornly with his tripod from only one point of view. The perspective stays the same and your shots lose dynamics and become stiff. Do without a tripod during your shootings, because this way you get the possibility to feel your model and you can experiment with extraordinary perspectives. If the light and the motif are fixed, but you yourself are mobile, then you achieve a correspondingly new illumination with almost every position. You’ll be amazed at the variety of results you can achieve with just one light.

In the studio, not enough clothes but too much light

Missing clothes are no problem with nude shots, but in all other shots often the matching accessories or clothes in the matching color are missing. In return, you will be flooded with light in the studio. It shines from every corner and you get light where you can’t or don’t want it. In such situations your creativity and your talent for improvisation are more in demand than usual.

Take things seriously without losing sight of the relaxedness

The fact that a photo shoot is always more expensive is undisputedly clear, which is why you need professionalism here. For you and your team the effort is usually very large and all are striving for the best possible results. As a photographer, you must always be aware of the seriousness of the situation, but you must not lose sight of the fact that fun also plays an essential role. If everyone has fun on the set, the shootings are automatically better. So it depends on the mixture and sometimes that alone is an art in itself.

Of course, these five tips were only a small excerpt of things you should take to heart. Sometimes it is the small and simple rules that need to be considered in order to achieve excellent results.

Flop 5 – Mistakes & how to solve them

After the 5 tips for each photographer, here is another great video of Joe, which shows the 5 beginner mistakes. The more you focus on the subject of photography, the more professional your photographs will become later. Every professional made mistakes at the beginning, so don’t give up!

The roots of photography: analogue photography requires time and passion

FIV: Hello Mr. Bockemühl-Simon, please introduce your company briefly for our readers!

Johannes Bockemühl-Simon: JOBO: We love pictures. To the moon and back.

Quality, commitment and professionalism have brought us to the top of the photography world. The motivation to keep challenging ourselves for the best picture, all the way to the moon. The year was 1969, the year mankind was to take the most significant step into space: The first manned flight to the moon. Apollo 11. All this was captured photographically – with a Hasselblad. But the camera only captured everything on precious analog film – with a silver halide coating. On the moon only the “latent image” was created. Nothing was proven yet. The negative was still undeveloped.

But everything in photography (and in the materialistic perspective) depends on the “visible image”. The “real image” was needed. Who better to entrust the transformation of this historical evidence to than JOBO’s developing equipment? Yes, you heard right:

Proof of authenticity of the first NASA moon image by JOBO

By using the photo equipment of JOBO from Gummersbach, near Cologne, from West Germany – the latent image became the visible image. The visible PROOF. A double proof. Man in his striving for infinity actually reaches the moon for the first time. But at the same time this is also quite a PROOF with political message: The free man with unleashed zeal and almost boundless economic possibilities (the “West”) comes up to the moon.

But not only the West, but only FIRST the West. Because the moon should lose neither for mankind, nor for the small photo manufacturer from Gummersbach (JOBO) in importance. The EAST later set its own standards with the MIR. The MIR contained a complete photo laboratory with – yes, you will guess it, exactly (!) – with JOBO development equipment for the photos from space!

Well, actually we would have to say: We love pictures. To the moon and back!

FIV: What exactly fascinates you about analog photography as opposed to digital photography?

Johannes Bockemühl-Simon: The most authentic way to learn and appreciate the art of photography is ANALOGUE photography. Nothing can replace the experience of working with silver halide film.

The fascination of creating unique prints on silver halide paper cannot be reproduced digitally – back to the roots of photography! Rarely is the human urge for the beautiful and the true so closely connected as in analogue photography. Analogue can be consciously designed – but the image itself can hardly be manipulated – quite different from Photoshop. Working analogue requires time and passion. If you don’t have time, you have to take pictures.

No “virtual reality” – no “augmented reality” – but real photography.

FIV: What topics and products are offered on your website?

Johannes Bockemühl-Simon: First and foremost, we at JOBO offer analog photo accessories for your own film processing. We also recently added the beautiful view cameras from CHAMONIX to our range: cameras made of teak and carbon: new technology for old school.

For the demanding digital photographer we also offer a unique perspective correction system : LensTRUE.

FIV: How exactly does the LensTRUE system work?

Johannes Bockemühl-Simon: On the one hand, the LensTRUE system consists of hardware that measures the tilt of the camera with a sophisticated GYRO sensor. Furthermore, the LensTRUE system consists of software that synchronizes this tilt data with the photos and then calculates an automatic perspective correction.

Until now, this was almost only possible with shift lenses for DSLR cameras. Basically, LensTRUE turns any lens into a shift lens. Currently, almost all full-frame DSLRS are stored in the software. Currently only Mac compatible. Apple in front of window ;-).

Before – After pictures with LensTRUE

The original image without editing

After processing with the LensTRUE software it looks like this… a great change!

Creative work – analogue photography decelerates according to the expert

FIV: What tips for analogue photography can you give our readers?

Johannes Bockemühl-Simon:Allow yourself time. It is not the multitude of images that is decisive, but the deliberate assrbeit. The reduction to the form and the shading of black and white has its special charm with coarse-grained film. Great for portraits.

Own enlargements are uncomplicated from black and white and quickly lead to good results. Creative work that decelerates.

FIV: What do you draw inspiration from, who is a “role model” for you?

Johannes Bockemühl-Simon: My favorite artist is Michel Angelo – even if that’s before photography. Realism and expression were never so united before him. He literally got to the bottom of nature. The photographic works of John Sexton – a landscape photographer from America who studied with Ansel Adams – are of the highest level of craftsmanship and artistry.

FIV: How do you stand out from the competition?

Johannes Bockemühl-Simon:JOBO is the specialist for lab development and the darkroom. JOBO processors are based on decades of experience of engineers and photographers. The world-famous black and red JOBO can is found in almost every photo lab from China to the USA.

If you want to develop 8×10″ images from your view camera yourself, you will hardly get around the Expert Drums from JOBO. Unfortunately, the analogue photography market is a small niche – but it is growing. Paradoxically, the demand for analog photography is growing again not only in galeries but also among young people.

In the digital arbitrariness, an analog original simply stands out.

Learn more about Jobo and the LensTRUE system here:

• Jobo
• LensTRUE

We thank Johannes Bockemühl-Simon for the interesting interview and wish JOBO continued success!