Words we Live by


You will miss 100% of the shots you don’t take.

Wayne Gretzky

Success occurs in the midst of transitioning.

Akenaton Pierre

Knowledge develops competence and competence develops confidence

Akenaton PierreChief Executive Officer

Prepare well today so that when opportunity knocks, you can greet it with a confident grin

and say, “I’ve been expecting you.”


It's hard to achieve the fulfillment of your vision solely from outside inspiration, don't be afraid to be your own leader

T.D Jakes

Do what you gotta do, so you can do what you want to do.

Denzel Washignton

Sponsoring Partners

Supporting our Vision
Capital Investment Group
Real Dream Investments

Facebook Posts

Need to get rid of your house? Going through a tough divorce? Can't manage your house? Foreclosures? vacant properties? We 💰💵💲buy it all. Don't hesitate, give us a call today we got you. 📞📲☎️ 305-542-9633 or 📧 email us at info@rubandassociates.com. ... See MoreSee Less

View on Facebook

Just Call me at 305-542-9633 info@rubandassociates.com ... See MoreSee Less

View on Facebook

As easy as 1,2, and 3 -R&A ... See MoreSee Less

View on Facebook

"If it can be visualized, it can be accomplished" -R&A 🏚️🏠🏡🏘️ ... See MoreSee Less

View on Facebook

Is a home buyer responsible for paying full year's real estate tax...
Q: We bought a house in late September. We just got the tax bill in the mail for the full year. It does not seem fair for us to pay the whole year when the seller lived there most of it. Do we need to pay all of this? - Andres A: Yes. Real estate taxes are typically prorated at the closing when you purchased your home. The purchase contract should have had a section that deals with this issue. Since the tax bill does not become available until November, the contract directs the closing agent to take the amount of last year’s taxes and split and prorate the amount based on the date of the closing. On the closing statement that you signed, the seller will give credit for the amount of taxes for “their” part of the year to the buyer. The buyer will then pay the full amount when the tax bill comes out.

Simply put, the seller already gave you the money for its part of the year, and you must pay the whole bill when it comes out. It is analogous to when two friends are out to lunch, and one has to leave early and gives their friend the money to cover their part of the bill. The remaining friend uses this money and their own to pay the full check when it comes, plus a healthy tip for the hard-working server. Most contracts will also state that if the taxes are more or less than the estimated amount on the closing statement the appropriate party can seek reimbursement directly from the other side. You should check your contract and closing statement to see if this is the case. Fortunately, most of the time the estimated amount is close to the real thing.

Even if you did not receive the proper credit, you now own the home and are responsible for the taxes and must pay the whole bill. You can then seek reimbursement from the responsible party as appropriate.-Gary M. Singer
... See MoreSee Less

View on Facebook