Thue Tncn Vietnam
dotanminh/thue-tncn-vietnam
A skill your agent uses when user asks about Vietnamese personal income tax (TNCN), tax finalization (quyet toan), dependent deductions (giam tru gia canh), freelancer/KOL/online seller tax, eTax…
Analyze real estate and infrastructure investments including REITs, direct property valuation, and infrastructure assets.
Install Real Assets
$ npx skills add JoelLewis/finance_skills --skill real-assets -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install JoelLewis/finance_skills real-assets --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/plugins/wealth-management/skills/real-assets .claude/skills/real-assets && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "real-assets" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/real-assets into .claude/skills/real-assets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "real-assets", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/real-assetsType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add JoelLewis/finance_skills --skill real-assets -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install JoelLewis/finance_skills real-assets --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/plugins/wealth-management/skills/real-assets .agents/skills/real-assets && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "real-assets" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/real-assets into .agents/skills/real-assets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "real-assets", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add JoelLewis/finance_skills --skill real-assets -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install JoelLewis/finance_skills real-assets --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/plugins/wealth-management/skills/real-assets .cursor/skills/real-assets && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "real-assets" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/real-assets into .cursor/skills/real-assets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "real-assets", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/JoelLewis/finance_skills.git --path plugins/wealth-management/skills/real-assets--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add JoelLewis/finance_skills --skill real-assets -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install JoelLewis/finance_skills real-assets --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/plugins/wealth-management/skills/real-assets .gemini/skills/real-assets && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "real-assets" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/real-assets into .gemini/skills/real-assets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "real-assets", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install JoelLewis/finance_skills real-assetsInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add JoelLewis/finance_skills --skill real-assets -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/plugins/wealth-management/skills/real-assets .github/skills/real-assets && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "real-assets" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/real-assets into .github/skills/real-assets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "real-assets", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add JoelLewis/finance_skills --skill real-assets -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install JoelLewis/finance_skills real-assets --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/JoelLewis/finance_skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/plugins/wealth-management/skills/real-assets .opencode/skills/real-assets && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "real-assets" agent skill from https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/real-assets into .opencode/skills/real-assets/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "real-assets", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
real-assets- GitHub stars
- 206
- Token cost
- ~2k tokens
- SKILL.md length
- 930 words
- Files
- 2 (incl. scripts)
- Skills in repo
- 91
- Repo updated
- First seen
- Licence
- MIT
At a glance
Analyze real estate and infrastructure investments including REITs, direct property valuation, and infrastructure assets.
- The user asks about real estate investing
- SKILL.md covers Core Concepts, Direct Real Estate vs REITs:…, Key Formulas and Worked Examples, plus 3 more sections
- Runs Python scripts from its folder; calls uv, python3 and pip
- Property valuation
What it does
Real Assets is an agent skill from JoelLewis/finance_skills. Analyze real estate and infrastructure investments including REITs, direct property valuation, and infrastructure assets. Use when the user asks about real estate investing, REITs, cap rates, NOI, FFO, AFFO, property valuation, or infrastructure investments. Also trigger when users mention 'rental property analysis', 'cash-on-cash return', 'gross rent multiplier', 'REIT dividends', 'real estate sectors', 'cell towers', 'toll roads', 'LTV ratio', 'DSCR', or ask whether to invest in real estate directly or through…
Its SKILL.md is about 2k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including scripts (for example `scripts/real_assets.py`).
It sits in Business, Finance & HR, covering Real estate. The repository describes itself as: Claude Code skill plugins for financial services — 81 skills across 7 domain plugins covering investment management, compliance, advisory practice, trading, and operations. The licence is MIT.
When your agent uses it
- The user asks about real estate investing
- Property valuation
- Infrastructure investments
- Users mention rental property analysis
Example prompts
- “rental property analysis”
- “cash-on-cash return”
- “gross rent multiplier”
- “/real-assets”
Requirements
- Python 3
What it can do on your machine
Read from SKILL.md and the folder at commit 5c498ea. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
Ships 1 file in scripts/ (Python), which the agent can run.
Shell commands in SKILL.md call:
uvpython3pip
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md. Its commands use uv and pip, which can reach the network depending on how they are called.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Real Assets loads about 2k tokens when it runs. Until then it costs about 134 tokens; SKILL.md has 930 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); the scripts in this folder are not scanned.
SKILL.md
The full file from JoelLewis/finance_skills at commit 5c498ea, republished under its MIT licence (© JoelLewis). 930 words, ~1,977 tokens.
Download SKILL.mdSave it as
.claude/skills/real-assets/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.- name
- real-assets
- description
- Analyze real estate and infrastructure investments including REITs, direct property valuation, and infrastructure assets. Use when the user asks about real estate investing, REITs, cap rates, NOI, FFO, AFFO, property valuation, or infrastructure investments. Also trigger when users mention 'rental property analysis', 'cash-on-cash return', 'gross rent multiplier', 'REIT dividends', 'real estate sectors', 'cell towers', 'toll roads', 'LTV ratio', 'DSCR', or ask whether to invest in real estate directly or through REITs.
Real Assets
Core Concepts
Property Income and Return Metrics
- NOI (Net Operating Income): effective gross rental income (after vacancy) minus operating expenses; excludes debt service, capex, and depreciation.
- Cap rate: NOI divided by property value — the unlevered property yield; lower cap rates mean higher valuations.
- Income-approach value: NOI divided by the prevailing cap rate for comparable properties.
- Cash-on-cash return: annual pre-tax cash flow (NOI minus debt service) divided by total cash invested — the levered equity yield.
- GRM (Gross Rent Multiplier): price divided by gross annual rent; a quick screen that ignores expenses, vacancy, and financing.
REITs and REIT Metrics
REITs must distribute 90%+ of taxable income as dividends and trade on exchanges like equities. Sectors include residential, office, retail, industrial, data center, healthcare, self-storage, and specialty.
- FFO (Funds From Operations): net income plus depreciation minus gains on property sales — the standard REIT earnings measure, since real estate depreciation overstates actual value decline.
- AFFO (Adjusted FFO): FFO minus maintenance capex and straight-line rent adjustments — the conservative measure of recurring distributable cash flow.
- P/FFO and P/AFFO: the REIT equivalents of P/E; compare within the same sector.
- NAV premium/discount: share price relative to per-share net asset value of the underlying properties; indicates market sentiment.
Infrastructure Investments
Infrastructure assets include toll roads, utilities, pipelines, cell towers, airports, and ports. Characteristics: long asset lives, high barriers to entry, regulated or contracted revenue streams, and inflation-linked cash flows (many contracts include CPI adjustments). Infrastructure provides stable, bond-like income with equity-like upside from traffic/usage growth.
Leverage in Real Estate
- LTV (Loan-to-Value): mortgage amount / property value. Higher LTV means more leverage and more risk. Typical commercial LTV is 60-75%.
- DSCR (Debt Service Coverage Ratio): NOI / annual debt service. Lenders typically require 1.20x-1.50x minimum. Higher DSCR means more cushion to service debt.
Direct Real Estate vs REITs: Decision Checklist
Work through these factors before recommending a vehicle:
| Factor | Direct ownership | REITs |
|---|---|---|
| Liquidity | Sales take months; high transaction costs | Trade intraday on exchanges |
| Management | Active management required, or pay a property manager | Passive; professional management included |
| Leverage access | Non-recourse mortgage leverage at attractive LTVs (60-75%), chosen by the investor | Entity-level leverage set by REIT management; investors cannot choose property-level leverage |
| 1031 exchange | Eligible — defer capital gains by exchanging into like-kind property | Not eligible — REIT shares do not qualify |
| Diversification | Concentrated in one or a few properties | A REIT fund spreads across hundreds of properties and multiple sectors |
| Minimum check size | Typically $50K+ equity (down payment plus closing costs) | From one share |
Mapping investor situations to the preferred vehicle:
| Investor situation | Preferred vehicle |
|---|---|
| May need the money within months, or rebalances regularly | REITs |
| Wants control over leverage, tenants, and improvements | Direct |
| Holds appreciated property and wants tax-deferred reinvestment | Direct (1031 exchange) |
| Allocation under ~$50K, or wants broad diversification immediately | REITs |
| Willing to manage tenants and repairs (or pay a manager from rent) | Direct |
| Wants passive, hands-off exposure with no operational involvement | REITs |
Key Formulas
| Formula | Expression | Use Case |
|---|---|---|
| NOI | Gross Rental Income - Operating Expenses | Property income measure |
| Cap Rate | NOI / Property Value | Unlevered property yield |
| Property Value | NOI / Cap Rate | Income-based valuation |
| Cash-on-Cash | Annual Cash Flow / Total Cash Invested | Levered equity return |
| GRM | Price / Gross Annual Rent | Quick screening metric |
| FFO | Net Income + Depreciation - Gains on Sales | REIT earnings measure |
| AFFO | FFO - Maintenance Capex - Straight-Line Rent Adj | Recurring cash flow |
| LTV | Loan Amount / Property Value | Leverage measure |
| DSCR | NOI / Annual Debt Service | Debt coverage measure |
Show full SKILL.md (366 more words)Show less
Worked Examples
Example 1: Property Valuation Using Cap Rate
Given: NOI = $100,000 per year, prevailing cap rate for comparable properties = 6% Calculate: Property value Solution: Value = NOI / Cap Rate = $100,000 / 0.06 = $1,666,667
The property is valued at approximately $1,666,667. If the cap rate compressed to 5% (e.g., in a hot market), the value would rise to $2,000,000 — a 20% increase from a 100bp cap rate decline. This illustrates the sensitivity of real estate values to cap rate changes.
Example 2: Cash-on-Cash Return with Leverage
Given: Property value = $500,000, down payment = $200,000 (40%), mortgage = $300,000 at 6%, NOI = $35,000, annual debt service = $17,000 Calculate: Cash-on-cash return Solution: Annual pre-tax cash flow = NOI - Debt Service = $35,000 - $17,000 = $18,000 Cash-on-Cash Return = $18,000 / $200,000 = 9.0%
Compare to the unlevered cap rate: $35,000 / $500,000 = 7.0%. Leverage boosts the equity return from 7.0% to 9.0% because the cost of debt (6%) is below the cap rate (7.0%) — this is positive leverage. If the mortgage rate exceeded the cap rate, leverage would reduce returns (negative leverage).
Common Pitfalls
- Confusing cap rate with total return — cap rate ignores appreciation, leverage effects, and capital expenditures
- Using P/E instead of P/FFO for REITs — depreciation distorts net income, making P/E misleading for real estate companies
- Ignoring vacancy rates in NOI calculation — always use effective gross income (after vacancy allowance), not gross potential rent
- Overstating returns by ignoring maintenance capex — use AFFO rather than FFO for a realistic view of distributable cash flow
Cross-References
- time-value-of-money (core plugin): discounted cash flow analysis of property investments
- equities (wealth-management plugin): REIT stock analysis and equity market context
- fixed-income-structured (wealth-management plugin): MBS and the mortgage market underlying real estate
- asset-allocation (wealth-management plugin): real assets as a portfolio diversifier and inflation hedge
Running the script
uv run scripts/real_assets.pyThe PEP 723 header resolves the numpy dependency automatically. Alternatively run python3 scripts/real_assets.py after pip install numpy.
- Bare run prints a demo covering property valuation, cash-on-cash and leverage analysis, REIT metrics, and inflation-adjusted returns.
--verifyre-runs the demo computations and asserts the outputs match this skill's worked examples (prints PASS/FAIL, nonzero exit on mismatch).--helplists the available classes.
The file is primarily meant to be imported as a module, e.g. from real_assets import PropertyValuation, LeverageMetrics, REITMetrics, RealReturn.
© JoelLewis, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 1 other file (scripts) in plugins/wealth-management/skills/real-assets of JoelLewis/finance_skills.
- SKILL.md
- scripts/real_assets.py
Open the folder on GitHubat commit 5c498ea
Compare with similar skills
Real Assets next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Real Assets this skillJoelLewis/finance_skills | 206 | — | ~2k | Automated safety check: Pass | MIT | |
| Thue Tncn Vietnamdotanminh/thue-tncn-vietnam | 241 | — | ~2.8k | Automated safety check: Pass | None | |
| Apartment Finderhanzili/hanzi-browse | 177 | — | ~2.1k | Automated safety check: Pass | Custom licence | |
| Realestate Commercialzubair-trabzada/ai-realestate-claude | 179 | — | ~3.2k | Automated safety check: Pass | MIT | |
| Vet PRetewiah/awesome-real-estate | 375 | — | ~1.5k | Automated safety check: Pass | CC0-1.0 | |
| Realestate Comparezubair-trabzada/ai-realestate-claude | 179 | — | ~3.7k | Automated safety check: Pass | MIT |
Similar skills
Apartment Finder
hanzili/hanzi-browse
Search for apartments across multiple real estate platforms, compare listings side by side, and help submit inquiries or applications.
Realestate Commercial
zubair-trabzada/ai-realestate-claude
Commercial Property Analysis — NOI, cap rate, expense ratio, tenant mix, vacancy, debt coverage, replacement cost, and lease analysis with Commercial Score (0-100)
Vet PR
etewiah/awesome-real-estate
Rigorous checklist for triaging PRs on the awesome-real-estate list.
Realestate Compare
zubair-trabzada/ai-realestate-claude
Side-by-Side Property Comparison — takes two addresses and compares across price, specs, rental income, neighborhood, and investment potential with a winner per category and overall recommendation
Taichung Land Parcel Query
h30190/HJPLUS_Taiwan_Architect_KB
This skill should be used when an architect receives just an address or lot number (地號) for a site in Taichung City, Taiwan, and needs the land's basic data — zoning, registered land area, land…
More from JoelLewis/finance_skills
All 91 skills in this repoAsset Allocation
JoelLewis/finance_skills
Determine how to distribute capital across asset classes using strategic and tactical allocation frameworks.
Bet Sizing
JoelLewis/finance_skills
Determine how much capital to allocate to individual positions within a portfolio.
Commodities
JoelLewis/finance_skills
Analyze commodity markets including futures curve dynamics, roll yield, and supply/demand fundamentals.
Currencies And Fx
JoelLewis/finance_skills
Analyze currency markets, exchange rate mechanics, and FX risk management for international portfolios.
Debt Management
JoelLewis/finance_skills
Provide frameworks for managing and paying off personal debt effectively.
Diversification
JoelLewis/finance_skills
Build diversified portfolios using correlation analysis, efficient frontier construction, and factor-based diversification.
Related
Categories
Questions about Real Assets
What does Real Assets do?
Analyze real estate and infrastructure investments including REITs, direct property valuation, and infrastructure assets. Real Assets is an agent skill from JoelLewis/finance_skills. Analyze real estate and infrastructure investments including REITs, direct property valuation, and infrastructure assets.
When should I use Real Assets?
Real Assets fits situations like: the user asks about real estate investing; property valuation; infrastructure investments; users mention rental property analysis.
How do I install Real Assets in Claude Code?
Run `npx skills add JoelLewis/finance_skills --skill real-assets -a claude-code`. Or copy the skill folder (plugins/wealth-management/skills/real-assets in JoelLewis/finance_skills) into .claude/skills/real-assets in your project. Claude Code loads it when a task matches its description.
How do I install Real Assets in Codex?
Run `npx skills add JoelLewis/finance_skills --skill real-assets -a codex`. Or copy the skill folder (plugins/wealth-management/skills/real-assets in JoelLewis/finance_skills) into .agents/skills/real-assets in your project. Codex loads it when a task matches its description.
Can I use Real Assets in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add JoelLewis/finance_skills --skill real-assets -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/real-assets, .gemini/skills/real-assets, .github/skills/real-assets and .opencode/skills/real-assets in your project.
What does Real Assets need to run?
Going by SKILL.md and its folder, Real Assets needs Python for the scripts in its folder and the command-line tools its instructions call (uv, python3 and pip). Our summary lists: Python 3.
Does Real Assets access the network?
SKILL.md contains no URLs. Its commands use uv and pip, which can reach the network depending on how they are called. This is read from the text; nothing was executed.
Is Real Assets safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. The check reads SKILL.md only: the scripts in the folder are not scanned, so read them before running anything.
What licence does Real Assets use?
Real Assets is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Real Assets use?
About 2k tokens (SKILL.md is roughly 7.9k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to Real Assets?
Skills that share tags, products or a category with Real Assets: Thue Tncn Vietnam (dotanminh/thue-tncn-vietnam, 241 stars), Apartment Finder (hanzili/hanzi-browse, 177 stars), Realestate Commercial (zubair-trabzada/ai-realestate-claude, 179 stars) and Vet PR (etewiah/awesome-real-estate, 375 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Real Assets?
JoelLewis (a GitHub user) maintains it in JoelLewis/finance_skills, which has 206 GitHub stars. The repository holds 91 skills in this directory. The repository was last updated on July 18, 2026.
Source: JoelLewis/finance_skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.