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There is a con called the Spanish Prisoner. A letter arrives from a stranger: a wealthy man sits in a foreign jail, and for a small advance to free him, he will reward you many times over. The trick is at least four hundred years old. It is also, give or take a few details, the email sitting in your spam folder this morning. I keep that in mind whenever someone tells me cybercrime is a technology problem. The tools change. The mark does not. We are still robbed through the same prehistoric wiring: a flash of fear, a moment of greed, a decision made in panic before the slow part of the brain wakes up. That is the thread I pulled on with Sarah Armstrong-Smith at InfoSecurity Europe. Sarah spent nearly thirty years in cyber and crisis leadership, was Chief Security Advisor at Microsoft, and now runs Secure Horizons. She has written two books on the human side of all this and sits on the UK Government Cyber Advisory Board. After all of it, she says the thing most people in her position will not say out loud: whatever we are doing is not working. More tools, more money, more people, more AI, and the problem keeps getting worse. Attack, wake-up call, attack, wake-up call. How many wake-up calls, she asks, does anyone need? I asked what keeps her up at night. She described an industrial accident on the scale of 9/11, triggered through a network: the first time a cyber incident kills people in numbers. We have been lucky so far. She doubts luck is a plan. The industry loves a big number, and the number is exactly where the human disappears. X million records stolen, Y terabytes gone. The day before, my friend Geoff White sat in this same chair and described a ransomware attack that shut down a hospital, which meant a woman missed the cancer appointment she had counted on. That is an Armageddon, and it has a name and a face. Sarah, as it happens, knows Geoff's work well enough to carry a line from him on the back of her book. The human element keeps finding the same small circle of people willing to talk about it. So how do we move this from a line item to a fact of society? Her answer is collective resilience. There is no prize for being the last one standing, because we are all wired into the same supply chain, the same dependencies, the same brittle web. And the smallest businesses, the ones without a war chest to ride out the storm, are the ones we discuss the least. Then a statistic. Close to half of all crime in the UK is now fraud or cyber. Around one percent of policing is pointed at it. Read those two numbers again. We fund what we can see, and we want officers on the street because a visible patrol both deters the thief and reassures the neighbourhood. The crime that actually empties our accounts happens somewhere we have agreed not to look. Follow the money, Sarah says, and you rarely stop at one criminal's pocket. It pays for the next thing: drugs, weapons, and more often than people imagine, the trafficking of human beings. Will AI save us? She did not flinch. Whatever you build to detect, the other side uses to evade. The asymmetry holds. Technology is part of the answer and never the whole of it, because the problem was never only technical. So what do we carry forward, and what do we leave behind? We carry the person behind the number: the one who misses the appointment, the small shop that never reopens. We leave behind the fantasy that a clever enough machine will spare us the harder work, which is teaching a whole society to recognize the Spanish Prisoner when it arrives, wearing this year's technology. Sarah's books are linked below, with a second edition on the way. Geoff's conversation is part of this same coverage. And if you want more of these, the newsletter lives at marcociappelli.com. Let's keep thinking. — Marco Co-Founder ITSPmagazine & Studio C60 | Creative Director | Branding & Marketing Advisor | Personal Branding Coach | Journalist | Writer | Podcast: An Analog Brain In A Digital Age ⚠️ Beware: Pigs May Fly |

Simon explores how property investors can maximise their returns by acquiring multiple properties using the same capital typically required for a single investment.  He breaks down the limitations of traditional buy-to-let strategies and the popular BRRRR (Buy, Refurbish, Refinance, Rent, Repeat) method, specifically highlighting how rising renovation costs and delays can slow your momentum. Introducing his pioneering Property Funding Formula, Simon explains how securing a deep discount from a motivated seller combined with same-day refinancing allows you to buy two properties for the price of one, vastly accelerating your portfolio growth. KEY TAKEAWAYS Traditional property investing requires waiting years for capital growth before you can refinance and purchase your next property. While the BRRRR method speeds up portfolio growth, it demands significant upfront cash and leaves you vulnerable to rising renovation costs and contractor reliability. Engaging with truly motivated sellers allows you to secure ethical, win-win deals at a substantial discount without needing a distressed property that requires heavy refurbishment. The Property Funding Formula utilises private bridging loans and pre-arranged same-day refinancing to cut your required upfront cash in half, enabling you to purchase two properties with the funds normally needed for one. BEST MOMENTS "Ideally, we do that by minimising the amount of money we put into any property, which means we have more money to buy more properties, which means we can quickly grow our portfolio." "When you find a truly motivated seller, take the time to find out what the problem is and come up with an ethical, win-win solution for them, you would be amazed at how flexible sellers can be." "Using this method, you can actually put 50% less cash down upfront, which means you could buy two properties like this with the money normally required to buy one." "No one else is teaching this because it is one of my pioneering innovations." VALUABLE RESOURCES To find out more about how you can use the property Funding Formula and buy 2 properties for the price of 1 join this live online training with Simon here: https://bit.ly/PMP241 To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Air Date - 10 June 2026Join Host Marc Lainhart – The Intuitive Prospector™ this Wisdom Wednesday as Marc welcomes back to the show for some insightful and inspiring discussions with angel intuitive, author, and host of the “Angels, Positivity & Love” show, Mr. Michael André Ford. Michael helps people jointly hear, feel & see Angels, a shared experience that leaves no room for doubt. Meet divine figures from India, Native American Chiefs, galactic figures, Saints, Mary, Buddha, Jesus, plus many others, including loved ones and pets. This is going to be another great show!Please join us for another inspiring, encouraging, educational, healing, motivational, and transformational show! “Prospecting to discover the diamond within and the many hidden gems all around us!”#MichaelAndreFord #MarcLainhart #InspiredLivingAbout the Guest:Michael is a 14-year American angel intuitive, author, and host of the “Angels, Positivity & Love” show. He's helped people jointly hear, feel, and see Angels and other loving beings in direct shared experiences designed to move people out of thinking and into the heart. Sessions may include Angels, divine figures from India, Native American Chiefs, galactic beings, Saints, loved ones, pets, and other loving beings, with answers received directly in any language or dialect. Everything is direct.Michael is the author of “Listening to Angels,” an Amazon No. 1 bestseller twice in Angels, endorsed by Anita Moorjani. His YouTube channel has featured hundreds of episodes and guests including John Gray, Lorna Byrne, and Eben Alexander. Michael André Ford helps people jointly hear, feel & see Angels, a shared experience that leaves no room for doubt. Meet divine figures from India, Native American Chiefs, galactic figures, Saints, Mary, Buddha, Jesus, plus many others, including loved ones and pets. Michael loves to do transdimensional channeling for a super fun multidimensional experience that's full of warmth, light, and joy.Website: https://www.michaelandreford.com/About Marc LainhartMinister Marc is a decorated Veteran, an award-winning, accredited, and certified psychic-medium, mentor, published author, teacher, and 2020 Best American Psychics Psychic of the Year. Based in Seattle, Washington, Marc's work as a writer, teacher, podcast host, inspirational thought leader, hiking guide, and certified healthcare provider uses his profound and tested perception to “prospect” this mysterious, mystical, and magical world around us through several profound and monumental “Soul Adventures of life!” Marc is passionate about connecting, educating, guiding, helping, healing, inspiring, and teaching others from years of personal experiences and growth through loss, grief, trauma, death, and dying. While promoting balance, healing, peace, transformation, inspiration, and guidance to live again, explore, and live life more fully, and assist those wanting to discover and reveal that beautiful and brilliant diamond within, and the many hidden gems around us!A Near-Death Experience (NDE). An Out-of-Body Experience (OBE). A few Incredible and Unbelievable Experiences (IUEs). A few personal Traumas and Tragedies along the way; Marc often refers to this as the “TNT of life” that blew up and forever changed his path, his beliefs, his education, his career, his Alchemy of the mind, body, and soul to heal and transform to reveal and share the diamond within! Marc has spent the last two decades deciphering, demystifying, and “Prospecting” the sensational and sometimes controversial subjects of death and dying, metaphysics, spirituality, psychic sciences, and modern-day mediumship. Marc now endeavors to help others from around the world tap into, explore, discover, and flex their natural intuitive muscles and abilities with awareness, intelligence, logic, and acceptance of “After Death Communications,” or what Marc refers to today as another form of higher communication and intelligence or “Spiritual ADCs.” Suppose we set an intention and an awareness through free will and choice and begin to look, feel, and know the “Signs, Symbols, Synergy, and Synchronicities” of life. With that case and knowledge, we will discover what we see in the physical world and what we do not see with the human eye. “Ask, believe, take a deep breath, receive, and perceive.”WEBSITE: https://www.marclainhart.com/Visit the Inspired Living show page https://omtimes.com/iom/shows/inspired-living-radio/Connect with Marc Lainhart at http://www.marclainhart.com/Subscribe to our Newsletter https://omtimes.com/subscribe-omtimes-magazineConnect with OMTimes on Facebook https://www.facebook.com/Omtimes.Magazine/ and OMTimes Radio https://www.facebook.com/ConsciousRadiowebtv.OMTimes/X/Twitter: https://twitter.com/OmTimes/Instagram: https://www.instagram.com/omtimes/LinkedIn: https://www.linkedin.com/company/2798417/Pinterest: https://www.pinterest.com/omtimes/

Simon unveils his boldest personal vision yet: a 10-year mission to help 100,000 first-time buyers in England successfully step onto the property ladder.  Simon is launching a brand-new movement designed to tackle the UK housing crisis head-on. He explains how this win-win strategy will simultaneously maximise revenues for burdened landlords looking to exit the market, provide affordable paths to homeownership, and offer massive new business opportunities for property partners across the country KEY TAKEAWAYS Simon has committed to a 5-to-10-year mission aimed at helping 100,000 first-time buyers in England purchase their first homes. The UK is facing a severe shortage of rental and residential properties, further exacerbated by landlords selling off their portfolios due to shifting regulations and increased taxation. The upcoming movement connects motivated sellers with first-time buyers, allowing landlords to maximise their sale revenue while giving buyers an accessible entry point onto the property ladder. Simon is actively seeking 500 property partners across the UK to help facilitate these transactions as a part-time or full-time business venture. BEST MOMENTS "My vision is I want to help 100,000 first-time buyers to get onto the property ladder in England in the next 5 to 10 years." "All of the businesses I've ever set up have always been a win-win... I try and find a problem, I solve it for people, and everyone involved has to win." "I want to change this negativity, I want to change this rhetoric, and actually, I want to help landlords to solve this problem by providing accommodation to first-time buyers." "As ever, I encourage you to invest with knowledge, invest with skill." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). To find out more about Simon's Mission and how you can get involved and benefit, join Simon in this live training: https://bit.ly/4uoIYwE Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon breaks down the controversial topic of rent controls and explains why enforcing rent caps ultimately backfires on the private rental sector, drawing from real-world examples in Scotland and analysing the upcoming impacts of the Renters' Rights Act 2025 KEY TAKEAWAYS When Scotland implemented a rent cap to protect existing tenants, landlords responded by aggressively hiking initial rents on empty properties and selling off stock, which ultimately constricted supply and drove average rents up. Anti-profit mindsets fail to recognise that property investments carry high financial risk, and the taxes generated from these profits are what directly fund public systems like the NHS and social housing. Historically, landlords avoided annual rent increases to retain good tenants, but strict caps linked to inflation or market rates will likely incentivise them to maximise rent hikes every single year. Artificially lowering rental prices reduces available housing and shifts the financial burden onto local councils for expensive emergency housing, ultimately leaving tenants with fewer places to live. BEST MOMENTS "Rent caps don't work. It would be a crazy policy for any government to introduce." "The vast majority of landlords don't raise their rents on an annual basis... because if you have a good tenant in the property, you want to keep them there." "Why would anyone do a business, take on the risk of having a business, if they can't make a profit?" "The problem where any government tries to intervene in a free market and try and control it too much, is it puts everything out of skew." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Ele arriscou mandar um e-mail para o segundo homem mais importante da Amazon e foi contratado para abrir a empresa no Brasil do zero. Alex Szapiro foi também responsável por liderar a Apple no Brasil e instalar sua única fábrica fora da China.Hoje ele decide quais das mais de 100 startups que procuram o SoftBank por ano merecem investimento. Neste episódio do Economia & Negócios, Alex Szapiro - Managing Partner do SoftBank para a América Latina e responsável por um portfólio de 67 startups, fala sobre trajetória, cultura organizacional, inteligência artificial e o que realmente diferencia empresas que dão certo das que não dão.Entre os temas: a diferença radical de cultura entre Apple e Amazon, como funciona o investimento em startups, sua visão sobre IA e como os jovens profissionais devem se desenvolver para uma carreira de sucesso.LinkedIn do Alex Szapiro: www.linkedin.com/in/alexszapiroVocê já leu uma notícia hoje e sentiu que já viveu esse momento antes?   Essa sensação de déjà Vu não é coincidência. No Brasil, o que é manchete hoje costuma ser o eco de decisões e fatos que analisamos meses, ou até anos atrás.   Para celebrar os 8 anos da Crusoé, decidimos enfrentar esse ciclo. Pegamos o que nasceu no digital e, pela primeira vez, transformamos em um registro físico, tátil e permanente.   Chegou a edição especial Crusoé impressa.   É um item colecionável, atemporal e limitado. Uma revista feita para quem gosta de ler com calma, longe das notificações do celular. Um exemplar para guardar sobre o que realmente importa na história recente do brasil.   Esta edição é um presente exclusivo para novos assinantes do Combo de 2 anos O Antagonista e Crusoé.   Utilize o cupom 8ANOSCRUSOE e acesse o link:   https://bit.ly/crusoe-edicao-impressa Siga O Antagonista no X:  https://x.com/o_antagonista   Acompanhe O Antagonista no canal do WhatsApp. Boletins diários, conteúdos exclusivos em vídeo e muito mais.  https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344  Leia mais em www.oantagonista.com.br | www.crusoe.com.br #economia, #negócios, #podcast, #empreendedorismo, #startups, #investimento, #liderança, #inovação, #tecnologia, #executivo, #gestão, #sucesso, #carreira, #estratégia, #mercado, #finanças, #empresas, #vendas, #vanguardistas, #desenvolvimento

Simon addresses a critical and timely concern for property investors and homeowners alike: the high likelihood of rising interest rates in the UK.  Driven by the geopolitical conflict in Iran and its looming, inflationary impact on oil prices, energy costs, and the global supply chain, he explains why the Bank of England will likely be forced to raise base rates to cool down the economy.  KEY TAKEAWAYS Geopolitical tensions are expected to drive up oil and energy costs, triggering widespread inflation across the UK supply chain and forcing the Bank of England to raise interest rates. Investors and homeowners should immediately review their mortgage portfolios—especially those on variable rates or with promotional deals expiring in 2026—to secure fixed rates before borrowing costs increase. It may be financially smarter to pay an early redemption penalty now to lock in a lower fixed rate, rather than waiting for the penalty period to end and facing significantly higher interest charges later. While borrowing costs are rising, property investors can expect rental income to increase over the next five years due to inflation and the legislative impacts of the Renters' Rights Act. BEST MOMENTS "When inflation goes up, generally they put interest rates up to cool down the economy." "Maybe it's worth paying it off sooner than you would normally and paying the penalty, because that might be less than you might pay in increased charges if you wait to fix your mortgage." "Although your interest rates are the same, the rent you're going to receive is going to go up over time, obviously subject to affordability." "As ever, I encourage you to invest with knowledge, invest with skill." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon looks at the intersection of real estate intuition and modern technology, specifically focusing on Rightmove's new Equity Tracker and various AI-driven valuation tools.  He also offers a balanced critique, acknowledging how these innovations streamline affordability assessments for homeowners while warning investors that reliance on lagging Land Registry data can lead to over-inflated property expectations in a cooling market KEY TAKEAWAYS Rightmove's new Equity Tracker helps homeowners gauge their moving power by combining listing data with Land Registry records. Investors should be wary of automated valuations because Land Registry data can be six to nine months out of date, often reflecting higher prices than the current market supports. Successful property investing relies on building strong relationships with sellers and agents rather than relying solely on software. Making an offer on every property viewed, even at a low price, is essential practice for discovering motivated sellers and securing the best deals. BEST MOMENTS "We mustn't forget that this is a people business; whilst information and data is really useful... just take anything like this with a little bit of a pinch of salt." "We can actually give the seller the price they want, if they give us the terms we want." "Long gone are the days where we just go onto Zoopla or Rightmove and scroll through looking at properties... that's not actually helping you move forward with your property investing." "If the seller says 'yes' on your first offer, guess what? You've paid too much." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon explores the significant impact of evolving Energy Performance Certificate (EPC) regulations on property investors in England and Wales, where 55% of properties currently fall short of the C rating required by 2030.  He discusses the shift from measuring energy use to energy retention, the practical challenges of retrofitting older properties like Victorian terraces, and the potential pitfalls of installing unapproved high-efficiency appliances. Highlighting a growing trend of landlords exiting the market due to these hurdles and other legislative pressures, the episode identifies a unique opportunity for savvy investors to acquire off-market properties by connecting with local landlord networks. KEY TAKEAWAYS EPCs are transitioning from measuring how much energy a property uses to how effectively it retains heat, which can lower ratings for properties with poor insulation despite efficient heating systems. Investors may fail to improve their EPC rating if they install the latest energy-efficient boilers or appliances before they are officially added to the government's approved list, as assessors cannot grant points for unlisted items. There is a spending cap—currently around £10,000—where landlords who cannot reach a C rating after spending this amount may be exempt, as are certain listed buildings where heritage requirements prevent necessary energy upgrades. The complexity of these regulations, combined with the Renters' Rights Act and rising interest rates, is prompting many landlords to sell, creating a prime opportunity to find off-market deals through HMO registers and networking. BEST MOMENTS "55% of properties in England and Wales are not sufficient to meet the EPC rating C standard that is required by the year 2030." "No longer is it going to measure how much energy is used, but how good the property is at retaining energy." "The whole EPC system is kind of broken at the moment... it takes a while for the latest, most efficient products to be actually added onto the list and approved." "This is fueling the desire for many landlords to sell their properties, to exit the property market and do something else with their money." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon is here with a critical warning to UK landlords regarding the implementation of the Renters' Rights Act on May 1st, emphasising that non-compliance with new regulations—specifically the mandatory issuance of a written statement to tenants by May 31st—can result in devastating fines of up to £7,000 per tenant.  He explores the shift from assured shorthold tenancies (ASTs) to assured periodic tenancies (APTs), the abolition of Section 21 no-fault evictions, and the expansion of rent repayment orders, as well as providing strategic advice on mitigating these risks through professional letting agents and specialist rental guarantee insurance to protect against non-paying tenants and legal fees. KEY TAKEAWAYS Landlords must issue a formal written statement to all tenants between May 1st and May 31st to avoid fines of up to £7,000 per tenant. The Renters' Rights Act transitions all rental agreements to "assured periodic tenancies" (APTs) featuring a standard two-month rolling notice period. Section 21 "no-fault" evictions are being abolished, making April 30th the final day landlords can legally issue such a notice. Rent repayment orders are becoming more severe, allowing tenants to claim back up to 24 months of rent if a landlord fails to secure necessary local authority licenses. BEST MOMENTS "If you're a landlord and you're not up to date with the Renters' Rights Act, potentially you're putting yourself at risk to face massive fines of tens of thousands of pounds." "You cannot just send a link to the government website; you actually need to send [the written statement] as an attachment for them and get a confirmation back from them that they received it." "Although you should have had a license, you didn't... that tenant could go to court and get 24 months of rent." "I am buying more properties, I'm staying in the property market... because I believe there'll always be a demand for good quality accommodation in this country." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon shares his four-step roadmap for starting a successful property investment journey in 2026 and reflects on his own evolution from a corporate trainee at Cadbury to a financially free investor, contrasting his early trial and error struggles with the abundance of high-quality resources available today.  He emphasises that while property is not a get-rich-quick scheme and requires significant effort, the transition from an employee mindset to an asset-owner mindset—supported by a strong community and professional mentorship—is the most effective way to replace traditional income with long-term wealth. KEY TAKEAWAYS With the rise of online content, it is crucial to verify the credibility of mentors by checking their length of experience and the success of their students rather than just following anyone with a YouTube channel. Investing can be lonely; joining a local networking group like PIN provides an environment of like-minded people who offer inspiration, belief, and practical support to help you reach your goals faster. To achieve true wealth, you must transition from an "employee" (trading time for a salary) to an "owner" of assets like property or businesses that generate income regardless of your time spent. Time is your most precious resource; paying for professional training, coaching, or mentoring can help you avoid costly mistakes and drastically shorten your learning curve. BEST MOMENTS "The benefit about investing in property is although it takes time and effort, you can invest once and then you get paid forever." "As an employee, you're never going to become truly wealthy. Instead, you need to make the transition... from an employee to an owner." "If you believe you can or believe you can't, you're absolutely right." "At the end of the day, time is your most scarce and precious resource. You can go and earn more money, but you can't get your time back." VALUABLE RESOURCES Book a strategy call at https://property.isrefer.com/go/SSS/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Interview recorded - 13th of April, 2026On this episode of the WTFinance podcast I had the pleasure of welcoming back Matthew Piepenburg. Matthew Piepenburg is Partner at Von Greyerz, author of Rigged to Fail, and co-author of Gold Matters — a comprehensive examination of gold as a historically confirmed wealth preservation asset. He began his career as a transactional attorney, launched a hedge fund during the NASDAQ bubble, and has worked across family offices and Morgan Stanley's hedge fund platform before dedicating his work to precious metals and monetary risk.During our conversation we spoke about the current geopolitical situation, the dollar system fracturing, central banks losing control, golds continuous rise and more. I hope you enjoy!0:00 - Introduction3:18 - Geopolitical overview8:40 - Dollar system fracturing?20:34 - Central banks losing control?24:07 - Gold rise to continue32:43 - Central Bankers selling gold38:34 - Cash settlement of gold41:18 - Paper vs physical49:09 - One message to takeaway?Matt began his finance career as a transactional attorney before launching his first hedge fund during the NASDAQ bubble of 1999-2001Thereafter, he began investing his own and other HNW family funds into alternative investment vehicles while operating as a General Counsel, CIO and later Managing Director of a single and multi-family office. Matthew worked closely as well with Morgan Stanley's hedge fund platform in building a multi-strat/multi-manager fund to better manage risk in a market backdrop of extreme central bank intervention/support. The conviction that precious metals provides the most reliable and longer-term protection against potential systemic risk led Matt to join VON GREYERZ.The author of the Amazon No#1 Release, Rigged to Fail, Matt is fluent in French, German and English; he is a graduate of Brown (BA), Harvard (MA) and the University of Michigan (JD). Along with Egon von Greyerz, Matthew is the co-author of Gold Matters, which offers an extensive examination of gold as an historically-confirmed wealth-preservation asset.Matthew Piepenburg - LinkedIn - https://linkedin.com/in/matthewpiepenburgWebsite - https://vongreyerz.gold/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

Simon explores the current state of the UK property market, addressing concerns about a potential crash in 2026 following a recent decline in house prices.  He discusses the cyclical nature of property markets and the impact of geopolitical tensions, particularly the Iran war, on inflation and interest rates., emphasising the importance of understanding supply and demand dynamics, and noting an increase in property supply as landlords look to sell amid changing regulations KEY TAKEAWAYS House prices in the UK have recently shown a slight decline of 0.5% in March 2026, contrasting with a 0.3% increase in February, indicating potential downward trends in the property market. The ongoing geopolitical tensions, particularly due to the Iran war, are contributing to economic uncertainty, leading to increased energy costs and inflation, which in turn affect interest rates set by the Bank of England. There is currently a surplus of properties for sale, driven by homeowners and landlords looking to exit the market due to concerns over new regulations, resulting in a buyer's market where prices may continue to decline. Despite the market's downward trend, there are significant opportunities for investors to secure properties at lower prices, especially as motivated sellers may be willing to accept offers below asking prices. BEST MOMENTS "The property market is like every other market. It's cyclical. Prices go up and they come down." "This latest blip in house prices is caused to the uncertainty due to the geopolitical tension caused by the Iran war."  "If you have more demand than supply, prices go up. Simple economics."  "When the market comes down, that's the time to get the very best deals." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

In this episode of the Ecomm Breakthrough Podcast, host Josh Hadley shares his blueprint for scaling an e-commerce brand beyond Amazon through a strategic omnichannel approach. Drawing from over a decade of experience, Josh debunks the myth that simply adding sales channels drives growth. Instead, he outlines a phased expansion strategy: master Amazon first, then expand to marketplaces, TikTok Shop, Shopify, and retail. He emphasizes building documented systems, hiring capable teams, and approaching each platform as a unique business to avoid operational chaos and achieve sustainable, long-term growth.Links and Mentions:Tools and Websites  "Amazon": "00:01:50"  "Shopify": "00:01:50"  "TikTok Shop": "00:01:50"  "Walmart": "00:01:50"  "Etsy": "00:26:43"  "Temu": "00:26:43"  "Shein": "00:26:43"  "Meta Ad Library": "00:46:35"  "Faire": "00:49:22"  Videos and Masterclasses  "Seven Step Hiring Process": "00:23:36"  "CEO Dashboard": "00:25:44"  "How We Generated Over 50 Viral Videos with Our Affiliates": "00:34:32"  "How to Double Down on the Creators that are Actually Driving Sales for Your Brand": "00:34:32"  Recommendations  "Loom": "00:19:01"  "ChatGPT": "00:20:01"  Key Concepts  "Omnichannel Strategy": "00:07:22"  "CAC to LTV Ratio": "00:09:20"  "Product Launch Checklist": "00:19:01"  "Weekly Ad Optimization Processes": "00:19:01"  "Inventory Forecasting Models": "00:19:01"Timestamps:00:00:00 Introduction & The Omnichannel MythJosh introduces himself, the podcast, and debunks the myth that simply adding channels guarantees growth.00:01:50 Stages of E-commerce Brand GrowthOutlines the four stages: launch on Amazon, expansion optimism, hidden complexity, and the breaking point.00:06:30 The Real Problem: Sequence, Not ProductExplains that chaos comes from scaling too soon without systems, not from product quality.00:07:22 Channel-Specific ComplexitiesBreaks down the unique operational demands ...

Simon provides a comprehensive look at the shifting dynamics of the UK property market amidst significant legislative changes and macroeconomic uncertainty.  He examines the surge in property listings driven by landlord anxiety over the Renters' Rights Act, the surprising recent softening of the rental market, and the Bank of England's decision to hold interest rates at 3.75%. KEY TAKEAWAYS A record number of landlords are selling their properties due to fears surrounding the new regulations in the Renters' Rights Act. While the rental market has recently softened due to high costs and economic uncertainty, it is expected to stabilise and rise once the new act takes effect. The Bank of England is maintaining interest rates to combat inflation exacerbated by rising oil prices and global supply chain pressures. Long-term property investment remains attractive because inflation erodes the real value of mortgage debt while asset values continue to climb. BEST MOMENTS "The Renters' Rights Act... they're absolutely panicking. I've been speaking to people saying 'Oh my god, I don't want to end up in prison, I don't want to get fined'." "Inflation is actually good for property investors because it means the value of their asset is going up over time and the debt they borrowed to buy that asset... is actually going to be depreciating." "The UK government and also the opposition believe we need 300,000 new homes every year; we're just not building enough of those." "It's not a good time to sell property right now, but it's a very good time to buy, particularly right now if you can secure a massively discounted property and lock in a five-year fix." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Highly commended in the 2025 Business Book Awards, The Way We Talk Around Here offers a treasure trove for internal communicators. It examines the intricate interplay between culture and language, showcasing how the forensic analysis of language and discourse can accelerate organisational performance.   In this episode, Jen, Dom and Cat chat with Gill to learn about her work and what she has learned about how the choice of language – both written and spoken – go on to shape and underpin culture. Understanding the relationship between language and culture is a superpower to be leveraged by internal communicators seeking to deliver strategic impact.   About Gill Ereaut Gill Ereaut is a researcher, author, speaker and organisational consultant.  She founded the consultancy Linguistic Landscapes in 2002, pioneering the application of language sciences to real organisational issues.  Her book "The Way We Talk Around Here: How your organization's culture shows up in your language and why it matters" is an Amazon No.1 Bestseller, was Highly Commended in the 'People, Culture and Management' category of the Business Book Awards 2025, and won in the 'Stories and Conversations' category of The Change Ninja Book Awards 2025. She holds degrees in Psychology and Contemporary Cultural Processes and has amassed more than 40 years' experience in business consulting. She remains insatiably curious about organisations and language and the effects they have on each other. She lives in Oxford, UK with an oversized whippet and (probably) too many books.   Find Gill on LinkedIn: https://www.linkedin.com/in/gillereaut/ Linguistic Landscapes website: https://linguisticlandscapes.com/ Get the book: https://www.waterstones.com/book/the-way-we-talk-around-here/gill-ereaut/9781788604840  

Simon breaks down the critical government information sheet released on March 20th that must be issued to every tenant to avoid massive financial penalties.  With phase one beginning May 1st, this episode covers the mandatory transition from AST to APT contracts, the doubling of rent repayment orders to 24 months, and the exact logistical steps you must take to protect your portfolio from "no win, no fee" solicitors. KEY TAKEAWAYS Landlords must issue a specific government information sheet to every named tenant on a contract between May 1st and May 31st to explain the transition from AST to APT contracts. From May 1st, Rent Repayment Orders (RROs) are extending from 12 months to 24 months, meaning a failure to comply could cost you two years of rental income. Whether delivering by hand, post, or digital PDF, landlords must secure proof of receipt (photos, postal receipts, or read receipts) to defend against potential legal claims. The Act incentivises a shift toward highly professional land-lording, requiring rapid responses to repairs and tighter oversight of letting agents to ensure all regulations are met to the letter. BEST MOMENTS "If you get these requirements]wrong, there's potentially huge fines at stake." "You are not supposed to give them a link to the government website... you need to download this, make it as a PDF, and then you need to send it to them." "My prediction is there's going to be a whole host of 'no fee, no win' solicitors who are looking for tenants who've got landlords who maybe aren't up to speed." "It needs to be all four pages of this document. If you just give them the front sheet, that's not enough." VALUABLE RESOURCES https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon shares three essential steps for property investors to raise their profile and connect with potential sellers and investors. He addresses common fears that new investors face, such as the stigma associated with property investing and concerns about sharing their ambitions.  He discusses why you should proudly announce your involvement in property on social media, attend local property investor network meetings to connect with like-minded individuals, and practice a concise elevator pitch to effectively communicate your value KEY TAKEAWAYS Actively share your property investment journey on social media to inform potential sellers and investors about what you do. Consistently communicate your message to attract opportunities. Participate in property investor network meetings to connect with like-minded individuals and potential sellers. These gatherings provide valuable insights and opportunities to meet landlords looking to sell. Prepare a concise 20-second introduction that clearly explains who you are and how you can help others in the property market. This will help you make a strong first impression at networking events. Don't let concerns about what others think hold you back from sharing your property investment goals. Focus on your mission to provide quality accommodation and the positive impact you can have BEST MOMENTS "What other people think about you is none of your business." "You want to connect to network and get around other like-minded people who are also interested in property." "If you want to be successful in life, you need to be known." "Don't be the world's best kept secret. You want everyone to know what you do." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

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Simon explores the rapidly evolving role of Artificial Intelligence (AI) in the world of property investing.  He reflects on how AI is already integrated into our daily lives through services like Netflix and Google, but emphasises its growing potential to dramatically increase productivity through tools like ChatGPT for business planning and AI-powered agents for lead generation KEY TAKEAWAYS Rather than fearing job loss to AI, investors should focus on learning how to use it; those who master AI tools will become more valuable and efficient than those who do not. Tools like AI voice agents can pre-qualify leads and even negotiate significant discounts from motivated sellers by asking targeted questions, such as "What is the lowest you would take and still be happy?". Property remains a people business where success often depends on building rapport, trust, and empathy through face-to-face interaction—nuances that AI cannot yet master. As AI and automation threaten traditional job security, investing in property serves as a vital strategy to create alternative income streams and financial stability. BEST MOMENTS "You shouldn't be worried about losing your job to AI; instead, you should be worried about losing your job to someone else who knows how to use AI." "Once you get good at using AI, you can massively increase your output, which actually makes you a more valuable resource to the business that you work for." "AI is changing so much and developing... but fundamentally, people always need somewhere to live." "The true value that we bring as a property investor that AI probably will not be able to replace... is that ability to sit down with someone and really connect with them at a deep human level." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon explores the implications of potential political changes on the private rental sector in the UK, particularly in light of recent by-election results and the rise of the Green Party.  He discusses the Labour government's Renters' Rights Act, which aims to improve housing standards but may inadvertently drive many landlords out of the market. The episode also examines the Reform Party's proposal to abolish Section 24, a tax regulation affecting landlords, and the potential consequences of a shift towards a more corporate rental landscape KEY TAKEAWAYS The recent political shifts, particularly the Green Party's rise and their stance on ending private landlordism, raise questions about the future of the private rental sector in the UK. The introduction of the Renters' Rights Act by the Labour government aims to improve housing standards but may lead to a significant number of landlords exiting the market due to perceived overreach in regulations. The Reform Party's proposal to abolish Section 24 would allow landlords to offset mortgage interest against rental income, addressing a major concern for many landlords who have been adversely affected by current tax policies. There is a critical need for more housing in the UK, with estimates suggesting that 300,000 new homes are required annually to meet demand, exacerbated by population growth and immigration. BEST MOMENTS "What if it was illegal to be a landlord? Maybe that's a bit of a strange question, but maybe not, given the political landscape." "The Labour government have taken this way too far and have overstepped this legislation, such that now we are seeing potentially tens if not hundreds of thousands of landlords deciding to leave the private rental sector." "It's the only business activity in the whole of the UK where you can't offset your genuine expenses against the income to reduce tax." "If we as private landlords are not allowed to provide that accommodation, where are people going to live? What's going to happen?" VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon explores the concept that "practice doesn't make perfect," emphasising the importance of "perfect practice" in achieving success.  Drawing parallels between magic and property investing, he shares insights from a lecture by a seasoned magician who highlights that merely repeating incorrect actions won't lead to mastery, and also introduces his "massive success formula," which combines massive action, the right strategies, and consistent effort KEY TAKEAWAYS Simply practicing without ensuring correctness won't lead to perfection. It's essential to practice the right techniques to improve effectively. Many people hold back from taking action due to a fear of not being perfect. It's important to recognise that waiting for everything to be perfect can hinder progress. Engaging with potential sellers, investors, and agents is crucial. You don't need to have everything set up perfectly before starting these conversations; solving their problems is what matters. To succeed in property investing, focus on five key actions: find motivated sellers, run the numbers, view properties, make offers on every property, and follow up consistently. BEST MOMENTS "Practice doesn't make perfect. Perfect practice makes perfect." "If you're doing something that's not correct, the more and more you do of it, you're not going to become perfect because it's not correct in the first place." "Done is better than perfect. Done to 85, 90% is often better than perfect." "They don't care about the other things that you are spending lots of time worrying about. They care about what's in it for me, how can you help me." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon identifies a critical trap where investors replace their salary with rental income but fail to build a cash buffer for unexpected expenses like property light refurbs or tenant turnovers. He argues that many investors are technically wealthy through equity but remain broke due to poor cash flow, emphasising that the current market landscape of 2026 presents a rare buying opportunity for those willing to restructure their portfolios KEY TAKEAWAYS Investors must maintain a reserve to cover void periods and maintenance; without it, a single vacancy can trigger a downward financial spiral. Before buying new properties, investors should raise rents to market value and consider converting standard lets into HMOs (Houses in Multiple Occupation) or Service Accommodation (SA) for higher cash flow. While increasing borrowing reduces the cash flow of a specific property, the released equity can be used to acquire new, higher-performing assets that more than compensate for the increased interest costs. Mitigating Risk with Insurance: With legislative changes like the Renters' Rights Act making evictions more difficult, using rent guarantee insurance is vital to ensure mortgages are covered even if a tenant stops paying. BEST MOMENTS "I meet a lot of property investors who, in theory, should be well off, but they're broke. Why are property investors broke? Because sometimes they have assets, they have equity, but they don't have enough cash flow." "The penalties you might pay [to remortgage] might be insignificant compared to the discounts you could receive on new properties you're buying." "I absolutely guarantee you, as long as you know what you're doing, it's a fantastic time to be buying property... probably one of the best buying opportunities I've seen in the past 30 years." "It's not just about the money, but life's a lot easier when you have a really good cash flow coming in." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon examines the critical importance of discipline in property investing through the mantra, "Don't break your own rules."  He shares personal anecdotes of turning down lucrative-looking deals—including a large portfolio option and a hotel—because they failed to meet his specific criteria, such as a 50% return on investment within two years. He warns against the property hamster wheel, where investors continuously chase the buzz of new deals without stopping to enjoy the financial freedom they have already built. KEY TAKEAWAYS Successful investing requires clear parameters—such as specific cash flow requirements or return on investment (ROI) percentages—to ensure you only engage in truly "great" deals. Look for a 50% return on investment within two years when dealing with property options, ensuring the initial capital is recovered quickly. Even experienced investors can be tempted by creative financing or unique assets (like hotels), but if the project adds excessive noise or time-demands without meeting core rules, it should be rejected. Most investors only need three to five properties (like HMOs or SAs) to replace their basic income BEST MOMENTS "I see too many people buying properties that are not great deals... maybe they're not clear on what makes a good deal for them, and I want to make sure you avoid that mistake." "Am I just doing this because I can do it, rather than I'm doing it because it's a great deal? That's a trap I see many property investors fall into." "The reason I invest in property... is not because we're passionate about property; it's because we're passionate about what property can do for you." "The reason most people don't achieve their goals is, frankly, they don't put enough time and effort in to achieve what they say they want to achieve because they've not made it important enough." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon looks at the ethical considerations of buying properties below market value, emphasising the importance of helping motivated sellers. Through a compelling case study involving an 85-year-old gentleman who needed to sell his home quickly to move closer to his family, he illustrates how building relationships and understanding sellers' needs can lead to win-win solutions.  Simon also highlights the significance of speed, certainty, and ethical practices in real estate transactions, encouraging investors to prioritise the well-being of sellers while still achieving profitable deals KEY TAKEAWAYS It's crucial to recognise that motivated sellers often prioritise solving their problems over getting the highest price for their property. Building a relationship and understanding their needs can lead to successful transactions. When dealing with motivated sellers, providing a quick response and assurance of a smooth transaction is essential. Delays can lead to frustration, especially for sellers who have already experienced failed sales. Buying properties below market value can be ethical if it provides a genuine solution to the seller's problem. It's important to ensure that the seller feels respected and valued throughout the process. Following up with potential sellers is a critical part of the deal-making process. Many sellers may initially decline offers, but consistent communication can lead to successful negotiations later. BEST MOMENTS "Is it really fair on this? I must admit, I had this when I first learned back in 2006... Is it really ethical to do that?" "When you're dealing with motivated sellers, they need speed and certainty. If someone's like, I really need to sell my house... that's not gonna work." "You took the time to get to know me... The other two companies literally came in, quick look round, maybe a really low offer." "As long as you stick to your word, and you're giving someone a solution to their problem... that's absolutely ethical." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon looks at the importance of commitment and mindset in achieving success in property investment and business. He challenges you to reflect on your true desires and the effort you are willing to invest in reaching your goals, highlighting the common pitfalls of seeking instant results and the necessity of perseverance KEY TAKEAWAYS Achieving success in property investment or any business requires a strong commitment and willingness to put in the necessary time and effort. Many people express a desire for success but fail to take the required actions. A positive and proactive mindset is crucial for success. Limiting beliefs and excuses can hinder progress, and it's important to recognise and overcome these mental barriers to achieve your goals. Successful individuals often experience failures and setbacks. The key difference between them and the average person is their ability to learn from these experiences and persist in their efforts rather than giving up. Accepting personal responsibility for your current situation is essential. Your life circumstances are a result of the decisions you've made, and taking ownership can empower you to make positive changes. BEST MOMENTS "The problem is when you have a business or you start investing in property, we might put loads and loads of effort in and yet we don't get these instant results." "Most successful people, they've not always been successful. They might have tried several different types of business and failed." "You need to accept personal responsibility. Because where you are now is a result of all the decisions you've taken in your life, good and bad." "If you don't believe in yourself and back yourself, why would someone else?" VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Stop waiting for success to find you and start building the life you want with a proven formula for consistency!  In this episode Simon breaks down the Massive Success Formula, combining massive action with the right strategy and unwavering discipline.  You'll learn how to transform fleeting interests into ironclad commitments, why your calendar is your most important tool for financial freedom, and the surprising reason why high achievers prioritise taking more holidays KEY TAKEAWAYS Success is the "rent you pay every day," requiring you to develop the habits to do the hard things even when you don't feel like it. There is a massive gap between being "interested" in financial freedom and being "committed" to it; true success requires making your goals a non-negotiable must. Schedule "sacred time" in your diary to focus exclusively on high-priority goals rather than just ticking off easy, low-impact tasks. To maintain peak performance, you must plan regular downtime to decompress and re-energise, as your best ideas often surface when you're relaxed. BEST MOMENTS "Massive success is due to taking massive action, doing the right things, but also having consistency." "Success is due to the rent that you pay every day, meaning you need to do something every day to get you to the place you want to be." "Are you really committed to your property investing goals, or are you just interested in achieving financial freedom?" "All too often, people tick off the easy, the quick-to-do things... never really tackling the really important things on their action list." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon dives into real estate investment strategies and the mindset shifts required for success as outlined in his book, Property Magic. He shares critical insights into identifying and avoiding six common property scams, ranging from misleading off-plan developments to the risks associated with rogue builders and unregulated deal sourcers. KEY TAKEAWAYS Buying off-plan properties often involves "discounts" that are actually based on inflated future estimates rather than genuine current market value. A licensed HMO's value can plummet if local council room-size standards change, reducing the number of rentable rooms after a purchase. "Full repairing and insuring" leases with charities can contain small print that forces landlords to pay for full renovations before the property is returned. Reputable builders should never require large upfront deposits; instead, payments should be made weekly based on verified work completed. BEST MOMENTS "The value is what someone's prepared to pay for it... you're not really getting a discount." "You always need to sense check anytime someone gives you a deal, do your own due diligence." "Do not give builders large upfront deposits... pay someone on a weekly basis based on the work that's actually been done." "Invest with knowledge, invest with skill." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon shares five essential secrets for successful networking, drawing on over 22 years of experience with the Property Investors Network.  You will learn the importance of committing to networking events, being present and focused during interactions, and the value of giving before receiving, and hear about the significance of building genuine relationships and following up with new connections to foster long-term friendships KEY TAKEAWAYS Make a conscious effort to attend networking events regularly. Schedule them in your diary and treat them as a priority to build and grow your network. When attending events, give your full attention to the people you meet. Avoid distractions like checking your phone, and engage meaningfully to foster genuine connections. Shift your mindset from seeking help to offering assistance. Whether through encouragement, sharing resources, or making introductions, focus on how you can support others in their journeys. After meeting new contacts, take the initiative to follow up within 24 hours. Schedule calls or coffee meetings to deepen connections and establish trust. BEST MOMENTS "It's about building relationships and ultimately building friendships. So be present and focused at the meetings you go to." "When you go to networking, you should be thinking, how can I help other people?" "You do not want to spend all of your time at a network meeting speaking to someone new... because you're missing the opportunity of connecting with other people." "If you think about it, it's actually quite straightforward. There's a lot of common sense here, but it's amazing how uncommon common sense is." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon shares insights on the five common mistakes property investors might already be making as the new year begins. Emphasising the importance of taking action early, he encourages you to start viewing and making offers on properties, especially as motivated sellers emerge after the holiday season.  KEY TAKEAWAYS Many people delay viewing properties and making offers after the holiday season. Taking action early in January can lead to securing great deals, especially from motivated sellers looking to offload properties. There is an online training day on January 10th featuring top property experts. Registering for such events can provide valuable insights and strategies to make 2026 a successful year in property investment. It's crucial to have a well-defined plan for what you want to achieve in 2026. Break down your goals into actionable steps to track your progress and stay focused throughout the year. Many people set goals that are too easily achievable. Instead, aim for ambitious goals that challenge you and require you to learn and grow, pushing you beyond your comfort zone. BEST MOMENTS "If you haven't started yet, frankly, I think you're missing out. I really encourage you as an action for this podcast is get viewing properties, start making offers and see what happens." "If you fail to have a plan, you're going to fit into someone else's plan. I'm a great believer in not only setting your goals but also coming up with a plan." "Why not set goals that are so big, you don't know how to achieve them? That's a good thing. Stop worrying about the how, instead focus on what do you actually want to achieve." "The early bird catches the worm, take action. And I look forward to sharing future podcasts with you over this year, 2026, which is going to be an amazing year to invest in property." VALUABLE RESOURCES Profit from the 2026 property market with expert guidance at the free Virtual Property Exhibition: https://property.isrefer.com/go/VPE/Podcast/  To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon shares a personal journey of realising that a traditional job would not lead to long-term financial freedom. Reflecting on his time as a graduate trainee at Cadbury's, he discusses the limitations of a secure job and the importance of diversifying income through property investment KEY TAKEAWAYS The journey began with the understanding that a traditional job, even in a dream role, may not provide long-term financial security or freedom. True wealth often requires additional income sources beyond a salary. The initial foray into property investment started with renting out a first home to students, which led to a profitable venture. This experience highlighted the potential of real estate as a viable income source. Attending events like Tony Robbins' Wealth Mastery was pivotal in learning about wealth creation and the importance of diversifying income streams. Continuous education is essential for financial growth. While the decision to leave a stable job for entrepreneurship was daunting, it emphasised the importance of planning and gradually building assets before making such a leap. Starting part-time investments can mitigate risks. BEST MOMENTS "If you want to be truly wealthy, if you want to be financially independent... a job alone is not enough." "The decisions you make will shape your life. Where you are right now is a result of all decisions you've ever made." "I would never recommend anybody gives up their job; it's much better to start investing in your part time." "Now is the time to commit to your financial future. 2026 is going to be the year... to become financially independent." VALUABLE RESOURCES Join my free 2-hour live workshop where I'll show you how to choose the right property coach to fast-track your results in 2026: https://property.isrefer.com/go/GRF26CW/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon discusses the importance of not letting the uncertainties of 2025 hinder your property investment opportunities in 2026.  With interest rates beginning to stabilise and a buyer's market prevailing, the episode emphasises the need for proactive investment strategies. Simon outlines the five golden rules of property investing, highlighting the significance of buying from motivated sellers and focusing on properties that generate positive cash flow. KEY TAKEAWAYS Successful property investment relies on five key principles: buying from motivated sellers, focusing on areas with strong rental demand, ensuring positive cash flow, holding properties for the long term, and maintaining a cash buffer for unexpected expenses. The new Renters Rights Bill, effective in 2026, introduces significant changes to property management. While it may make it harder to evict tenants, good landlords who manage their properties professionally should still be able to navigate these changes effectively. High-end HMOs (Houses in Multiple Occupation) and serviced accommodation (short-term rentals) are highlighted as the two main strategies for property investment in 2026. To succeed in property investment, it's crucial to be educated and informed about the market. BEST MOMENTS "I think there's a huge opportunity cost of you not acquiring property in 2026." "The Renters Right Bill is coming in. It's been signed off by King Charles. It is law." "If you are a good landlord and you're doing things correctly, you should be okay." "In many areas there's an oversupply of HMOs. It's got to be high-end which look better." VALUABLE RESOURCES Join my free 2-hour live workshop where I'll show you how to choose the right property coach to fast-track your results in 2026: https://property.isrefer.com/go/GRF26CW/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon explores the important concept of "you don't know what you don't know" in the context of property investing, emphasising the dangers of assuming you have all the knowledge necessary for success, sharing personal anecdotes from his 30 years of experience in the field.  Simon also discusses the significance of continuous learning, the value of working with specialists, and the importance of maintaining an open mind to avoid costly mistakes KEY TAKEAWAYS It's crucial to recognise that you don't know everything. Continuously seek to grow your knowledge and expertise in property investing to avoid making costly mistakes. While theoretical education is important, practical implementation is essential. Engage in property investing actively to gain real-world experience and insights. Work with specialists who have relevant experience in their fields. However, be cautious as even experts may not know everything, particularly in niche areas of property investing. Stay open to new ideas and approaches. Question your current methods and seek better, faster, and more effective ways to achieve your goals. BEST MOMENTS "You see, the decisions we make are based on the knowledge, the past experience, and our beliefs that we hold at that time." "If you get to the point where you think you know everything, that can be very dangerous. You can make some very expensive mistakes." "You're never going to know everything about property investing. I don't know everything about property investing." "Using experts and consultants can massively speed up your journey." VALUABLE RESOURCES Join my free 2-hour live workshop where I'll show you how to choose the right property coach to fast-track your results in 2026: https://property.isrefer.com/go/GRF26CW/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon explains a simple process for finding discounted property deals in your area right now, with the key being to leverage the current low-competition period (such as December) by focusing on motivated sellers and utilising effective search and negotiation strategies. KEY TAKEAWAYS Act immediately as competition is typically low during social periods (like December), meaning those who implement the advice straight away have a higher chance of securing a deal. Focus solely on motivated sellers for whom the speed and certainty of the sale are more important than achieving the full price. Look for properties that have been on the market for a long time, have had price reductions, or have had previous sales fall through. When searching online (e.g., Rightmove, Zoopla), limit your search results to about 40-60 properties to avoid being overwhelmed, and look for red flags like out-of-season photos, duplicate listings, or properties listed by out-of-town agents. Make an offer on every property you view, aiming for a rejection initially to open a negotiation where the seller will offer the highest price they're willing to accept. BEST MOMENTS "If you implement what I'm suggesting you straight away, I guarantee you will find some really great deals in your area that maybe be saving you tens of thousands of pounds off the normal purchase price." "We always want to look for motivated sellers. These are people for whom the speed and certainty of the sale is more important maybe than the price they're going to get." "You can look for people where maybe the sale has fallen through, or maybe where the property the price has been reduced, or maybe they're listed with multiple agents to try and sell that property." "We want to make an offer, we want them to reject the offer. Because if they accept your offer, it means you have paid too much." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon focuses on the critical importance of discipline and decisive action in property investment and business, with a core message that lack of execution can kill a business, and success relies on being quick to implement and act. KEY TAKEAWAYS Discipline and decisive action are essential because overthinking and over-analysing lead to missed opportunities in property investment. When evaluating a property deal, quickly determine if the seller is motivated and then run the numbers to check for positive cash flow and sufficient return on investment (ROI). Aim to get to a "no" quickly if a deal doesn't meet your criteria, but follow up later, as an unmotivated seller today might become motivated in the future. Overcome the fear of making a mistake by asking yourself, "What's the worst that can happen?" and comparing the potential risk to the substantial reward of successful investment. BEST MOMENTS “When you find a great property project or when you come up with a great idea. You need to take action quickly." "We need to make sure the ROI is enough. Now, what is enough for you?" "We should say look, I think it's something I would like to buy if we can come up with a deal that works for both of us." "The more action you take, the more courageous you become." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon welcomes back Timothy Witt and Phil Bygrave, the only guests to appear twice on the show. They discuss their newly released book, "Financial Freedom: The BDRR Property Evolution," which aims to guide property investors through the complexities of adding value to properties in today's market.  KEY TAKEAWAYS The book "Financial Freedom" is aimed at individuals who are looking to undertake significant renovation projects to add value to properties, particularly those who have a mindset geared towards property investment. The traditional BRRR (Buy, Refurbish, Rent, Refinance) strategy has evolved into the BDRR (Buy, Develop, Refurbish, Rent) approach, reflecting the increased complexity of property development due to stricter regulations and compliance requirements. A critical aspect of successful property investment is understanding and managing financing correctly. Many investors make mistakes in this area, which can hinder their ability to move forward with deals. Continuous education and having a coach are essential for success in property investment. They help investors recognise blind spots and provide guidance through the complexities of property development. BEST MOMENTS "It's really for people who are, their mindset isn't in the right place. We do talk a little bit on strategy and purpose, but really it's about the nuances of why what used to be a simple BRR strategy is now more complicated." "The number of times we talk to somebody and say, right, who's the most important person? And they say, oh, it's the builder. Well, the builder is the last person in the process." "If you're going to spend that money, you know, get the coach, get the education, read the book, get the systems and processes in place and spend that time up front." "When people are fearful, be greedy. Yes. And people are fearful. They are, definitely. So now is the time." VALUABLE RESOURCES To get your own copy of Tim and Phil's Financial Freedom book, Click here https://www.amazon.co.uk/dp/B0G2BLRBZK To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Interview recorded - 20th of November, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming back Matthew Piepenburg. Matthew is a Partner of Von Greyerz AG.During our conversation we spoke about his outlook on the economy, disconnect between markets and main street, credit unravelling, increased political risk, growing out of debt, silver and more. I hope you enjoy!0:00 - Introduction1:18 - Outlook on the economy8:20 - Disconnect between markets and main street23:55 - Credit unravelling27:17 - Political risk35:51 - Grow out of debt?42:24 - Silver50:11 - One message to takeaway?Matt began his finance career as a transactional attorney before launching his first hedge fund during the NASDAQ bubble of 1999-2001Thereafter, he began investing his own and other HNW family funds into alternative investment vehicles while operating as a General Counsel, CIO and later Managing Director of a single and multi-family office. Matthew worked closely as well with Morgan Stanley's hedge fund platform in building a multi-strat/multi-manager fund to better manage risk in a market backdrop of extreme central bank intervention/support. The conviction that precious metals provides the most reliable and longer-term protection against potential systemic risk led Matt to join VON GREYERZ.The author of the Amazon No#1 Release, Rigged to Fail, Matt is fluent in French, German and English; he is a graduate of Brown (BA), Harvard (MA) and the University of Michigan (JD). Along with Egon von Greyerz, Matthew is the co-author of Gold Matters, which offers an extensive examination of gold as an historically-confirmed wealth-preservation asset.Matthew Piepenburg - LinkedIn - https://linkedin.com/in/matthewpiepenburgWebsite - https://vongreyerz.gold/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

03 18-11-25 LHDW Yolanda Díaz hace el ridículo en EEUU con las horas que trabajan en Amazon. No sabe ni sumar, ¿Quien les ha votado?

Simon discusses the origins of the concept behind the book "Property Magic" and discusses the innovative strategy of buying property with none of your own money through a same day remortgage.  After the method was largely unavailable following the 2008 financial crisis, he reveals that it has made a comeback, allowing investors to purchase properties significantly below market value and quickly recycle their cash KEY TAKEAWAYS The concept of buying property using a same day remortgage has returned, allowing investors to purchase properties without using their own money by quickly refinancing after acquisition. Understanding and actively seeking motivated sellers—those willing to sell below market value due to personal circumstances—can lead to significant investment opportunities. Investors can utilise bridging finance to purchase properties for cash, which is then paid back through a remortgage on the same day, enabling a no-money-down strategy if the property is bought at a substantial discount. The property and mortgage markets are constantly changing, and it's crucial for investors to stay informed about new lending options and strategies to maximise their investment potential. BEST MOMENTS "I was able to buy that property 36% below market value... he avoided repossession, and he remained renting that property from me until the day he passed away." "The mortgage market is always changing. And there is a lender who right now will do a same day remortgage." "If you believe you can or believe you can't, you're absolutely right." "Now is the opportunity. Take action. Come and secure that online training with me." VALUABLE RESOURCES If you want to learn more about Same Day remortgages register here: https://property.isrefer.com/go/SDRW/Podcast/ To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon discusses how to protect yourself from bad tenants, especially in light of the new Renters' Rights Bill, which marks the largest change to the private rental sector in 30 years, warning that this legislation may lead to an increase in "professional bad tenants" who take advantage of uninformed landlords. KEY TAKEAWAYS Landlords must treat their property investing like a business, be educated on their responsibilities, and cannot abdicate responsibility, even if they use a letting agent. The Renters' Rights Bill increases the risk of rent repayment orders (up to 24 months' rent) if compliance is neglected. Ensure all prescribed paperwork and safety certificates are shared with tenants at the correct time. To pursue a tenant for unpaid rent (you have up to six years), gather their full name, date of birth, and National Insurance number (from their payslip). This allows you to claim money back via MoneyClaim.gov.uk. Landlords should check every six months for new selective licensing requirements in their property's area. Also, ensure the correspondence address on the Land Registry is up-to-date to receive official notices. BEST MOMENTS "With the Renters' Rights Bill coming in, which is the largest change in 30 years to the private rental sector, there's no doubt in my mind there's going to be an increase in professional bad tenants." "You must treat your investing like a business." "You can't treat your property investing as a hobby, as a side hustle. Even if it's part-time, you must treat your investing like a business." "You are driving by looking in the rearview mirror." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

In this episode, Mardi Winder has a really interesting chat with Amanda Steadman, who's spent more than two decades helping women find confidence and independence after divorce. Amanda brings both her personal story and her professional expertise, talking about how early experiences with family loss shaped her outlook and set her on a path to unravel the connection between our minds and bodies.She shares honest reflections about navigating a tough breakup herself, after realizing her relationship wasn't truly making her happy, even if it looked good from the outside. Through a mix of hypnotherapy, NLP, and energy work, Amanda Steadman helps women work through old patterns, like feeling unworthy or stuck, so they can move forward and start fresh. A major takeaway from the conversation is how common it is for women to worry about being “enough” after their relationships end, and the importance of letting go of childhood beliefs that might be holding them back.Amanda and Mardi touch on how important it is to take a breather after a breakup, figure out what you really want, and stop repeating the same patterns. Amanda encourages listeners to embrace their true selves and reminds everyone that you're only one thought away from stepping into a new, more confident version of yourself. For those looking for a little extra inspiration, she's also offering her “Awaken the Goddess Within” meditation for free, which is just a bit of added support to help you on your journey, no matter where you are in the process!About the Guest:Uncertain, and stuck. Amanda Steadman helps divorced women reclaim their confidence, rebuild their lives, and create financial independence. With over 26 years of expertise in hypnotherapy, NLP, and energy work, she guides clients from heartbreak and self-doubt to clarity, empowerment, and abundance. Amanda's **MindGenie Method** accelerates emotional healing and personal growth, helping you release past pain, attract new opportunities, and step into your next chapter with confidence. As an Amazon No.1 bestselling author of *Connect to Authentic Success: 7 Steps to the Destiny You Deserve*, she shares powerful strategies to rediscover your worth, realign with your dreams, and create a fulfilling life—on your terms. Through private sessions, mentoring, and speaking engagements, Amanda provides the mindset and tools to help you thrive after divorce. Ready to start fresh and build the life you deserve? Time for your goddess power to kick in!To get Amanda's gift: https://scale.amandasteadman.com/love-home-pageTo connect with Amanda:Web https://www.amandasteadman.com/ LinkedIn https://www.linkedin.com/in/amandasteadman/ YTube https://www.youtube.com/@MindGenieHypnotherapy Facebook https://www.facebook.com/amanda.steadman1/Instagram https://www.instagram.com/amandasteadman1/About the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode...

Simon addresses a common question among property investors: whether it's better to buy houses or apartments? He discusses the pros and cons of both property types, highlighting that while apartments can be appealing due to lower maintenance and costs, houses generally offer better long-term capital growth and investment potential KEY TAKEAWAYS While both houses and apartments have their pros and cons, houses are generally favoured for long-term capital growth due to their potential for value addition through renovations and extensions. Apartments often come with service charges that can reduce cash flow for landlords, whereas freehold houses do not have these additional costs, making them potentially more profitable in the long run. In the current property market, buying off-plan properties (new builds) is discouraged due to uncertain growth prospects and the risk of tying up deposit money without immediate returns. Apartments typically have leasehold agreements, which can decrease in value as the lease term shortens. Properties with short leases can present investment opportunities if the lease is extended, allowing for better financing options. BEST MOMENTS "Many property investors like to buy apartments, and there's some very valid reasons for buying apartments." "I have personally experienced much better long-term capital growth from my houses rather than my apartments." "If I was to start again, I probably would only buy houses and not buy apartments." "In the current property market, we're not seeing a lot of growth... why on earth would you want to buy something that you have to wait?" VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon focuses on strategies for refinancing properties and specifically the concept of momentum investing, explaining how most investors wait years for a property's value to naturally appreciate before refinancing, a slow method.  KEY TAKEAWAYS The traditional property investment approach involves buying, waiting several years for natural value appreciation, and then refinancing. Momentum investing, in contrast, is a faster strategy where you buy below market value, add value, and refinance after about six months You don't have to evict tenants to conduct a refurbishment. Making improvements, especially to communal areas, while tenants remain in place saves on void periods (no rental income) and other ongoing costs If you plan to refinance quickly using momentum investing, you should avoid two, three, or five-year fixed-rate mortgages. Instead, use bridging finance or cash, as these options allow you to refinance after six months without incurring large early redemption charges BEST MOMENTS "What we do is we get bridging finance where there are no penalties. It's a higher interest rate but it's still cheaper than having to pay big repayment penalties." "If you can possibly have before pictures they see what it looked like before the work was done, they see what it looked like now, that also helps them understand that you've added value to the property." "I would highly recommend to maximise the valuation when you're doing refinances, take the time just to put a two-pager document together with the information I've shared with you." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon explores the concept of turning "lead into gold" within property investment, a metaphor for acquiring a seemingly problematic or underperforming property and transforming it into a highly profitable asset.  The "lead" is often a property being sold by a retiring or struggling landlord who sees it as a burden, possibly due to low rents, maintenance issues, or a lack of creative strategy… KEY TAKEAWAYS Unlike investing in physical gold, which does not provide income, property investment offers both income and capital growth over the long term, and allows for the use of borrowed money (leverage). The phrase "turning lead into gold" refers to acquiring a property that is a problem for the existing landlord (the "lead") and using a fresh, creative strategy Many retiring or struggling landlords are not maximising their property's potential—often by keeping rents too low, neglecting maintenance, or only using a single, restrictive strategy The opportunity for new investors is to approach the property with a fresh pair of eyes, recognising ways to improve the standards, change the tenant type, or implement development strategies BEST MOMENTS "The big problem with gold is that you can hold it but it doesn't actually give you any income" "They're probably not maximising that property, not making the most out of it. Probably the rents are not as high as they could be... because if you've got a good tenant in the property, you're inclined to keep that tenant there." "They might have been investing for 20 years, but they might have just had one strategy and one way of using that property... That doesn't mean they know more than you." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

This episode is dedicated to helping property investors overcome the common challenge of running out of their own money by using other people's money. The solution lies in raising one's personal profile, with Simon outlining three essential steps: consistently documenting your property journey on social media, actively seeking out and attending property networking events to meet potential investors, and preparing a concise, powerful elevator pitch KEY TAKEAWAYS The biggest challenge for most property investors is running out of their own money, which can be solved by learning how to use other people's money (OPM). To attract OPM, people need to know about you, know what you are doing, and know that you are competent, which requires consistently documenting your property journey on social media. When posting on social media, include sentences like: "My new property business is I help people who need to sell property quickly, and I help investors get a great return on their money" to be clear about your offering. Investors should actively attend paid networking and training events to meet other investors who may have money but lack the time or knowledge to find deals themselves, and be ready with a clear, concise 15-20 second elevator pitch. BEST MOMENTS "The solution to that is start using other people's money. But for you to be able to use other people's money, people need to know about you." "If someone is going to lend you money, first of all, they need to be aware of you. They need to know what you're doing, and also they need to know that you know what you're doing." "I pay referrers fees. If you bring something to me and I end up buying their block of flats, I'll happily pay you a nice finders fee for your trouble." "Think about what you're saying, write it down, script it, make sure it comes off the tongue so you can think about how you present it and use that opportunity. Remember, short and sweet is better. 15 to 20 seconds is all you need." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

In this heart-stirring episode of Widowed 2 Soon, host Michelle Bader Ebersole sits down with Lara Silverman, a former Assistant U.S. Attorney whose life was turned upside down by a rare, debilitating illness that forced her to leave her dream career and left her bedridden for years. Lara shares her journey with raw honesty—speaking candidly about wrestling with faith, despair, and identity, all while searching for God's purpose in the midst of relentless pain.The conversation takes an extraordinary turn as Lara recounts her miraculous love story with Matt, a fellow believer battling terminal cancer. Against all odds, their relationship blossomed in the shadow of suffering, leading to a powerful yet brief marriage that became a living testimony of joy and devotion even in the face of deep loss. After Matt's passing, Lara's story didn't end—it transformed. She opens up about navigating the waves of grief, rediscovering her identity, and leaning on faith, community, and creativity to rebuild a life that still holds meaning and hope.Through her memoir Singing Through Fire and her passion for music and comedy, Lara has transformed her suffering into a source of strength and encouragement for others walking through loss.Whether you're newly widowed or years into your journey, this conversation is rich with practical wisdom, spiritual encouragement, and the comforting reminder that you are not alone. As you listen to Lara's story—from courtroom dreams to caregiving, from newlywed to widow—you'll be reminded that healing, connection, and even new purpose are possible, right in the midst of life's most difficult seasons.Don't miss this powerful story of faith, love, and perseverance.To connect with Lara on social media and watch her comedy and musicFacebook page:  https://www.facebook.com/lara.palanjian.silverman Instagram handle: @larapalanjian Youtube at THE SILVERMAN SHOW: https://youtu.be/TDcUeQrbVZkTo buy Lara's Amazon No. 1 Bestselling memoir, Singing Through Fire: https://books2read.com/singingthroughfireWatch the deeply moving movie trailer for Lara's book here:  https://youtu.be/TDcUeQrbVZkClick Here to learn more about the upcoming Widow Goals retreatClick HERE to order Michelle's book Widow Goals: Steps to Finding Peace When You Lose Your SpouseClick HERE to order the Widow Goals WorkbookClick here to be sent an email on the anniversary of your spouse's passing, wedding anniversary, and more Click HERE to review Widow Goals on AmazonBook Michelle as a speakerGo here to see a list of all the areas we have Widow Goals Groups⁠⁠To join our podcast listener community, send me a message here. Thank you!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click Here to apply to be a guest on Widowed 2 Soon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Michelle on TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/widowed2soon_/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/widowgoals⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See our videos on Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our YouTube Channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Email me michelle@widowgoals.org

Simon provides landlords with a crucial update on the upcoming Renters' Rights Bill, estimated to become law around 6th April 2026 Simon urges you to be proactive now by checking your letting agent's awareness, tightening tenant vetting processes, and securing properties to the minimum energy efficiency standards to mitigate risks in the forthcoming, more regulated, and potentially more challenging letting environment KEY TAKEAWAYS The Renters' Rights Bill is anticipated to become law around 6th April 2026, introducing a nationwide database where every rental property must be listed and registered with a unique property reference number to be legally rented out. Landlords who are non-compliant face potential fines and Rent Repayment Orders, which will allow tenants (even those who have moved out) to claim back up to two years' rent if the landlord has not adhered to the new rules. The removal of Section 21 (no-fault eviction) will mean a heavier reliance on Section 8 (for non-payment), but with court systems already under pressure, gaining possession might take longer, making stringent tenant vetting and the use of guarantors essential. Landlords must ensure their properties meet minimum Energy Performance Certificate (EPC) standards: a C-level rating is required for new properties by 2030 and for existing tenancies by 2033, with failure to do so potentially forcing landlords to sell non-compliant properties. BEST MOMENTS "Most letting agents are just not aware of what's happening'" "The biggest problem is that the courts, unfortunately, the court system, it doesn't have enough judges, the buildings are literally falling down, and it really needs some investment by the government to make sure the courts can handle all the extra work coming through." "We have to be very careful who we're taking on as tenants. We have to be even more vigilant in the checks that we are doing." "Ignorance, lack of knowledge is not an excuse” VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon examines the essential mortgage decisions for property investors, addressing whether to fix or vary a mortgage rate, the optimal time to remortgage given current interest rate freezes, plus the strategy behind using interest-only mortgages for investment properties versus repayment mortgages for a personal home KEY TAKEAWAYS Many people whose fixed or discounted mortgage terms have ended are now on their lender's Standard Variable Rate (SVR), which can be very expensive (the Bank of England rate plus 3% to 5% or more). Given the Bank of England's current freeze on rates and uncertainty about future increases to control inflation, fixing a mortgage rate now for stability—often for five years—is a recommended personal strategy, even if rates aren't as low as they were previously. Some lenders are charging high arrangement fees (up to 7%) to lower the monthly interest rate, which can improve monthly cash flow, especially if the fee is added to the loan and the long-term property value growth is expected to offset the cost. For investment properties, an interest-only mortgage is generally preferred, as it allows investors to pay only the interest, maintain better cash flow, and benefit from the property's capital growth over time, while repayment mortgages are typically used for a personal home. BEST MOMENTS "I don't think we will ever go back to that half percent base rate." "They're lowering the interest rate we pay, but then loading the difference into the arrangement fee." "I think if interest rates do come down over the next six months or so, more people are going to come back into the property market wanting to buy property, the demand will go up and thus people be paying more for their property purchases." "I think being able to borrow from banks is amazing." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon deep dives into the strategy of buying properties significantly below market value, sharing real-life case studies and insights from his students, and demonstrating that finding motivated sellers is key to securing profitable deals, even in a challenging market.  KEY TAKEAWAYS Buying below market value requires a shift in mindset. You must believe that someone would sell their property for less than its market value. The core of this strategy is finding a truly motivated seller. These are people with a problem—such as facing repossession, a difficult personal situation, or an organisational deadline You can use a strategy called "momentum investing" to build a property portfolio without constantly needing a new deposit. This involves buying a property at a significant discount, holding it for about six months, and then remortgaging it at its full market value Opportunities to buy below market value aren't limited to specific locations or types of sellers. Deals can be found in various locations, including expensive cities like London BEST MOMENTS "If you think you can, or think you can't, you're absolutely right." "What you need to do is put yourself into the shoes of the seller and understand their circumstances, where for some people selling their property, getting the sale done quickly and getting rid of this problem property is maybe more important than maximising the revenue from the sale." "The key is to be able to buy the property ideally at least 25% below market value." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Simon recounts a specific project where he partnered with individuals who were managing multiple developments simultaneously, leading to significant delays and financial losses.  He discusses the importance of thorough vetting of joint venture partners, clear communication, and the necessity of having written agreements outlining responsibilities, as well as highlighting  the potential benefits of joint ventures when executed correctly KEY TAKEAWAYS It's crucial to thoroughly understand your joint venture partners, including their workload and capabilities. Overcommitting can lead to mismanagement and project delays. Clearly define who is responsible for what in the joint venture. Having a written agreement helps prevent misunderstandings and ensures accountability. Schedule regular check-ins to discuss project progress and address any issues. This helps keep everyone on the same page and fosters a sense of urgency. Ensure that all parties are aware of the financial costs involved, including interest on borrowed money. This awareness can motivate partners to act more promptly and responsibly. BEST MOMENTS "The number one mistake I made was I didn't ask them how many projects they were doing." "When someone doesn't feel the cost or the pain of the interest that's mounting up, they don't have the same sense of urgency." "You've got to be able to get on really well with that person... take your time to get to know people." "If you have an agreement in writing, it's then very clear who has or who hasn't done what they should do." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/