Author Archives: rudy

Buying and Selling Real Estate Property through Agents


Many people favor real estate as their investment tool for it's relatively low risk and high rates of return. The reason for these trends is that real estate makes you money six different ways- equity capture, tax advantage, cash flow, forced appreciation, market appreciation, and principle pay down. While other forms of investing may fall into one or two of these categories, real estate is unique in its power to build wealth and protect itself from market fluctuations.

For people who are investing with the goal of financial freedom, cash flow is by far the most important of the six ways. Savvy real estate investors learn never to touch a property that has negative cash flow, no matter what they expect to gain by appreciation. Cash flow in real estate comes as the rent you receive from a property minus any expenses associated with owning it. While it may end up amounting to only $200, you'll find that this extra income means a lot when it comes with the security of knowing it will always be there (unlike your job, or appreciation on speculative investments). Equity capture is another crucial element of investing in real estate. While investors know never to buy a property with negative cash flow, they also know never to buy a property without a significant discount just because they expect it to go up in value.

Upgrading Your Home To Enhance Looks & Value

Home Improvement

Are home improvement projects really as easy to accomplish as shown on television shows by do-it-yourself amateurs? That would depend on whether you have the creative ability to address the various issues that crop up when upgrading your home. Home improvement involves a tremendous amount of planning and an eye for details.

Every home improvement project starts with a detailed plan. You must have the details broken down to the basic and advanced requirements of each and every room. It is not entirely possible to do it all yourself. Professional help will be required at many stages if the final result has to look good. You can identify a group of contractors, plumbers and other service providers for assistance whenever the situation arises.

Kitchen and bathrooms are two areas of your home that demands the maximum attention and best effort. A kitchen improvement can look like a truly daunting task but once you break down the tasks to its simplified form, handling them on a time-bound basis can make the task seem more manageable. Kitchen flooring, countertops and wall tiling requires special attention. The cooking area must be designed, taking care of the provisions for proper ventilation and exhaust.

Bathroom improvement is all about choosing the right tiles and color shades.

Commercial Property: 8 Easy Steps To Maximise Your Profit


The following Steps should provide you with information and helpful tips you need, to help put together a profitable Commercial real estate a portfolio.

Step 1: Gaining the Knowledge you need, quickly.

Read about and study the an overall market, to quickly gain the knowledge you need - in order to ensure you take full advantage of what Commercial real estate has to offer you.

Step 2: Researching the Current Market.

The internet is one of the key tools to help you uncover Commercial real estate opportunities. Within Australia, you should start at There are other portal sites; and most real estate agencies also have their own websites.

Step 3: Selecting the right Property.

In choosing your actual property, you do need to have some strict guidelines. This will vastly simplify your decision-making process, and bring some consistency to your final choice.

Step 4: Analysing your Selection.

Most of my clients use a matrix combining there Investment Objectives and Buying Criteria.

This allows you to rate each of your potential properties in less than a minute. From there, you need to calculate the rate of return on each short-listed property, from a projected cash flow - including every aspect of the investment - using the appropriate software.

Commercial Property Insurance

Commercial Construction

If you have a commercial property that you need to insure it used to be a case of giving the insurance company the details and then having to wait while they manually work out the quote before coming back to you with a figure, but this is no longer the case as there are insurance companies that are now starting to give instant figures for this type of insurance which cuts out the waiting part of it.

There are various types of commercial properties that you can insure and you can also insure properties that are part commercial and part residential under this policy (for example a shop with a flat above where the owner wants to insure both on the one policy). Mainly however this is for commercial places such as shops, surgeries and even more obscure things such as leisure halls or recording studios.

You cannot insure these under other types of insurance unless you are also looking to insure things such as the stock, or the goods that are kept in the property in which case you would need a commercial combined policy which would include things like public and employers liability insurance for the people that work within the premises, but if it is just the bricks and mortar and loss of rent cover you are looking for then this is the insurance for you.

Hazelnut Coffee Expert – Rudy Labordus


I drank a hazelnut coffee for the first time this morning and it was really nice.  So as a coffee drinker I thought I would let everyone know about my experience drinking hazelnut coffee and how great it is to have had that experience.  If you haven't tried hazelnut coffee, Nespresso( has a great line of coffee pods and Hazelnut was one of their speciality coffees I tried a month ago.  If you're game, give them a go and see if you like it too.  You too can become the next hazelnut coffee expert.

hazelnut coffee expert