Podcasts about hmo

Nigel Farage Just Won Election? Reform UK Poll Surge –Starmer Slumps Farage #ReformUK #Starmer #UKPolitics

Welcome to another episode of The Blueprint Podcast. In this episode, we're welcoming Katie Harvey into the Property Entrepreneur Hall of Fame!   From working 12-hour shifts as an electrician to becoming a successful Property Entrepreneur and co-director of Haines Homes, Katie's journey is one of transformation, resilience, and vision.   Alongside her brother Josh and cousin Jacob, Katie started building a rent-to-rent HMO portfolio while still an apprentice—juggling long hours, low pay, and the constant grind of chasing invoices and managing projects. Like many entrepreneurs starting out, the business consumed their lives, leaving little time for family, hobbies, or rest.   Everything changed when Katie joined the Property Entrepreneur Programme. With clear direction, expert mentorship, and the support of a like-minded community, she and her family were able to turn their business around. Katie got "off the tools", launched her passion project Breathe Blueprint, and began focusing on high-value work that delivered both profit and personal freedom.   One of her most impressive achievements to date? Converting a 3-bed house into an 8-bed co-living space—projected to generate over £67,000 in profit.   Through strategic planning, financial forecasting, and learning to treat family like business partners, Katie has not only built a thriving business, but reclaimed her time, her energy, and her life. Her story is a shining example of how building a Life by Design is not only possible—but powerful.   Katie's top tips include:   Create a clear plan—and review it regularly Surround yourself with the right people Celebrate the small wins And most importantly—enjoy the journey   We hope you enjoy this episode and are inspired by Katie's journey of courage, clarity, and creating success on her own terms.   Success and failure are both very predictable.   Company Name: b.reathe / Haines Homes Company website: www.breatheblueprint.com  / www.haineshomes.co.uk

#217Have you thought about flipping UK property to make some cash? Have you thought about buying a property to flip via the so-called modern method of auction using companies like I Am Sold? Have you wondered how to buy a property at discount without having to build relationships with lots and lots of estate agents in your chosen location? Well, if you thought about any of these three questions before then this episode is for you. And if you've thought about all three, then you're in for a treat!Simon Duckworth of Triangle Property Solutions  actively sources and renovates properties for profit. With extensive experience in the auction space, Simon has developed a very strategic approach to property investment.We discuss:·       Buy 3, sell 2, keep 1 strategy·       Overview of traditional auctions·       Overview of Modern Method·       Tracking properties through multiple auction cycles / price reductions·       Watching listings for signs of seller motivation·       Step-by-Step Process of a flip listed on I am Sold·       Probate properties / SDLT ·      The “no offer offer”·       Importance of timing and repeated engagement through auction cycles·       Refurb contingency·       Conveyancing timelines ·       Selling strategy: price setting, agent selection, market testing·       Differences in pricing strategy between corporate and family-run agents·       Holding / selling costs·       Risks / challenges in Flips·       Risks: time overruns, market sentiment, refurb estimates·       Tips for Successful Flipping·       Need for organization / tracking·       Testing market prices / negotiation: “Say No Twice” strategy·       Buffers (refurb AND time)·       Maximizing Profit and Market Adaptation·       Expectations (profit / timelines)·       Adapting to slower / fluctuating markets.·       Lessons from HMO Challenges: Regulatory Headaches·       Simon's near disaster with a large HMO project due to neighbor complaints.Free Deal ClinicI'd Like Help With Setting My GoalsLeave a reviewJoin our WhatsApp  group / access  37 Question Due Diligence Checklist / 23 Step Guide to Buying Property at AuctionInstagramKeywordsUK property flipping, modern method of auction, I am sold, property discounts, estate agents, investing capital, buy to flip, auction property sourcing, flipping strategies, property renovation, HMO investment, property refurb costs, auction cycle tracking, probate property, stamp duty savings, reservation fee, online property auctions, property market sentiment, conveyancing delays, property holding costs, selling strategies, estate agent negotiation, real estate CRM, flips vs

I'm sharing a recent conversation I had as a guest on The BEESPACE Podcast, hosted by my good friend Jade McNeil.Jade and I covered a wide range of topics—not just HMOs and property—but also the bigger-picture stuff: balancing life and business, navigating challenges, and the personal shifts that come with experiences like becoming a parent or facing health scares.It's a really open and honest chat. If you're running a business, managing a property portfolio, or simply trying to keep up with everything life throws at you, I think you'll find this episode both relatable and insightful.Topics covered in this episode:09:02 - Career Transition From Physiotherapy to Property21:05 - Building Arcvelop Investor Group27:57 - Navigating the Challenges of Property Development31:09 - Building Credibility Through Consistency33:45 - Creating The HMO Community and The HMO Roadmap39:17 - Navigating Social Media Challenges47:09 - The Impact of Fatherhood on Business-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

I detta avsnittet pratar vi om olika sätt att öka värdet och maximera utnyttjandet av en fastighet.Vi går även in lite på skillnader mellan små och större projekt.Nätverksträff 15 maj i Stockholm - Anmäl dig här!Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-april-2025Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

Property Lifestyle Mastery Season 2 Episode 5 - Commercial Conversion NIGHTMARES: the open & honest conversation that this industry desperately needs to hear with Hannah & George DugardDave recently sat down with Hannah & George from Dugard Property, two of our DMA clients who have made a big move...literally. They've built a successful property business in the UK that now runs without them, allowing them to live full-time in Spain

Nigel Farage has once again ignited controversy, this time turning his sights on the UK’s House in Multiple Occupation (HMO) sector. Speaking out this week at a Reform press conference in Dover, Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense. Watch video - https://youtu.be/NKaPZj-APgw Farage, who could become the next UK Prime Minister according to the polls and recent local election results, argued that the rapid growth of HMOs—particularly in urban areas—is "a symptom of a failed immigration and housing policy." He criticised how private landlords and government contracts are turning residential streets into overcrowded multi-let properties, undermining local cohesion and public services. While HMOs can be a profitable property strategy, especially for landlords seeking higher yields, they’ve become controversial. Local residents often complain about noise, rubbish, overcrowding, parking and falling property values. Councils have responded with Article 4 directions and tougher licensing schemes. Is this another nail in the coffin for buy-to-let property investment, and further reasons for landlords to get out of the UK property market? In recent years, landlords have had to contend with: Section 24 landlord tax – watch accountant explain tax and solutions - https://youtu.be/aMuGs_ek17s Increased tax and Increased red tape and regulation. Now, landlords are facing Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’. See full episode - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s The latest episode of the Charles Kelly Money Tips Podcast explores the truth behind these claims, what it means for property investors, and the future of HMO investments in the UK. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121 In the next Charles Kelly Money Tips Podcast episode, I will tell you why I’m getting out of buy-to-let property after 30 years! There are many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property. For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net #NigelFarage #HMOScandal #UKHousingCrisis #IllegalImmigrationUK #AsylumSeekersUK #HMOUK #PropertyInvesting #LandlordLife #UKPolitics #MoneyTips This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Whether you're personally investing in property or not, most people understand just how challenging it can be to find reliable builders and contractors. And we all know – regardless of our experience in property – how difficult it is to keep project costs sensible and under control.But as HMO investors, we recognise that this is a crucial part of building a successful business. We need to be able to secure the best contractors at the most competitive prices.In this episode, I'm going to share exactly how I go about doing this.Topics covered in this episode:01:23 - The Importance of Finding Good Contractors03:26 - Planning Ahead for Contractor Engagement12:04 - Building a List of Potential Contractors20:35 - Preparing the Information Pack31:04 - Understanding Contracts and Agreements37:39 - Building Long-Term Relationships with Contractors-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Welcome to HALO Talks! In this episode, host Pete Moore sits down with Tom Morrissey, founder of Solo Health Collective and a seasoned veteran in the health insurance world, to unpack the complex—and often misunderstood—landscape of healthcare for self-employed professionals. With a career spanning decades at Cigna and deep experience serving everyone from major corporations to solo entrepreneurs, Tom shares how he's dedicated his life to helping small business owners and solopreneurs access quality, affordable health coverage. Despite his success in the large-account space, Tom noticed an unmet need: Small and mid-sized businesses were often overlooked by health insurers and weren't given access to innovative cost-saving or health improvement solutions that benefited the bigger corporations.  If you're a personal trainer, group ex instructor, wellness coach, massage therapist, or any professional running your own business, this conversation is a game changer. Tom explains the differences between HMO and PPO plans, why traditional ACA ("Affordable Care Act") options can fall short for the self-employed, and how his company's unique group plan model is designed to deliver robust coverage (including preventive care and nationwide access) with transparent pricing and minimal out-of-pocket surprises. Plus, hear about partnerships with organizations like the Freelancers Union, and learn how innovative features like HSAs can work for you—even covering perks like fitness classes. On the healthcare issues facing entrepreneurs, Morrissey states, "We saw the growth. It depends on who you listen to, but estimates are that there'll be 90M solo business, owners by 2028. I want to say there's about 60M now. The guys and gals that own these businesses . . . I think, especially when they're young and healthy, are the ones that get screwed the most in healthcare. You know? All they really have access to is ACA plans." Key themes discussed Challenges of health insurance for solopreneurs and self-employed. Differences between PPO and HMO health plans. Underwriting and rate-setting for solo business owners. Preventive care coverage and HSA/HSA usage changes. Brand trust versus new insurance providers like Solo Health Collective. Partnerships with organizations such as Freelancers Union. Long-term cost sustainability for healthier insurance collectives. A few key takeaways:  1. Solo Health Plans Are Filling a Major Gap: Morrissey explains how traditional health insurance often overlooks solopreneurs and small business owners, especially in the HALO space. His company, Healthy Business Group via Solo Health Collective, is designed specifically to provide comprehensive PPO health plans to solo business owners—offering an alternative with more flexibility and better coverage than typical limited-network ACA and HMO options. 2. Key Plan Advantages-PPO Access and Maximum Out-of-Pocket Clarity: Unlike many ACA or HMO plans that limit provider networks and access, Solo Health Collective offers nationwide PPO plans, granting members broader access to healthcare providers. They also have a straightforward approach: After the deductible is met, there's no coinsurance—meaning your deductible is the absolute maximum you'll pay out-of-pocket for covered expenses (with all preventative care covered in full and not applied to the deductible). 3. Plans Are Designed for Solo Business Owners With Medical Underwriting: To qualify, you must have an EIN (Employer Identification Number) and be a business owner without employees. Members go through a quick, five-question medical underwriting process, which allows the plan to provide tailored age, and location-based rates—often significantly less expensive than standard individual policies, especially for young, healthy professionals. 4. HSAs and Innovative Usage for Wellness Are Embraced: The plan supports health savings accounts (HSAs), and Tom shared how, thanks to evolving IRS guidelines and technology, people can now use HSA funds for things like fitness classes and certain wellness purchases, expanding the value of pre-tax health dollars and encouraging preventive care and healthy lifestyles. 5. Long-Term Value and Stability Solo Health Collective is built on a self-insured, level-funded model supported by robust reinsurance (Odyssey A+ rated.) This allows the collective to stabilize costs and potentially keep renewal increases lower than the industry average—especially as it pools healthier, proactive members like those in the wellness and fitness industries. The long-term goal is to create a sustainable, affordable health insurance solution specifically for entrepreneurs who have historically been underserved. Resources:  Thomas Morrissey: https://www.linkedin.com/in/tommorrisseyhbg  Solo Health Collective: https://hbgsolo.com   How It Works: https://hbgsolo.com/how-it-works  Freelancers Union: https://freelancersunion.org/insurance/health  Promotion Vault: http://www.promotionvault.com HigherDose: http://www.higherdose.com

A homeowner has issued a stark warning after he says his life was “destroyed completely” by having an HMO next door.The resident in Sittingbourne was stunned to wake up and find scaffolding and the roof missing on the adjoining property in the terraced street.Also in today's podcast, a mum has branded Medway council “clueless” after it wrongly refused her 17-year-old daughter a parking permit — and then asked for hers back as well.She'd applied on behalf of the learner driver for an additional pass to park outside the family's terraced home in Gillingham but the authority insisted they aren't living within a controlled parking zone. People living at an retirement complex fear “every day will become a nightmare” if a live music venue opens directly opposite.Those living in Folkestone town centre say the prospect of late-night music and “people drinking on the street” is making them “incredibly anxious”.Plans have resurfaced to convert a pub into a place of worship - just six months after they were refused.Charity Al-Haqq Academy initially wanted to transform the ground floor of the now-closed public house into an academy with community and religious services, including a prayer hall, a food bank, a youth club, and a mosque.And there's been plenty of football action across the long weekend – with Gillingham FC, Maidstone United and Dover Athletic all having reason to celebrate. We've spoken to their managers about unbeaten streaks, league finals and promotion. 

We welcome back Tom Appleton, Property Entrepreneur Board Member who featured on TBP Episode 188 on 1st December 2023.    Tom is based in Leeds and he shares his background of moving to L.A. to play football, why he moved into coaching and how he first got interested in property investing.    Tom joined Property Entrepreneur in 2019 and met one of his business partners that year, Garrett Peers, who is now also a Board Member. Tom focuses on good quality HMOs and apartment blocks in the Leeds and Wakefield area.    On Property Entrepreneur, we cover the 3 levels of Wealth Creation and these 3 deals are all great assets for The Financial Fortress.    Here are the numbers for these 3 deals:   2 high end apartments and ground floor commercial Purchase price: £360,000 Refurb and costs £250,000 End valuation £1,000,000 Equity: £350,000 Lease rents: £6900 pm Cashflow: £3500 pm / £42,000 pa   7 to 8 bed HMO conversion Purchase Price £405,000 Refurb £60,000 End value: £600,000 Equity: £120,000 Rents: £5250 pm Cashflow: £3000 pm / £36,000 pa   4 to 6 bed HMO conversion Purchase price £270,000 Refurb £90,000 End value: £500,000 Equity: £120,000 Rents: £4500 pm / £54,000 pa Cashflow: £2500 pm / £30,000 pa Want to contact Mark or his guests?   www.thepropertybrokerage.co.uk mark@thepropertybrokerage.co.uk   Tom Appleton info@tenequity.com Instagram- @tomappleton10 Facebook- Tom Appleton LinkedIn- Tom Appleton  

In this episode, we're breaking down the headlines and taking a deep dive into the data to uncover what's really happening in the UK property and rental market. This is your April HMO Property Market Update—covering everything from house prices and mortgage rates to changes in tenant behaviour, the rental market, and new regulations. We're covering it all in this episode.Whether you're a landlord, investor, or just keen to stay informed, this is your full market download to help you navigate the landscape with clarity and confidence.Topics covered in this episode:02:31 – In-Depth Look at House Prices10:05 – Rental Market Trends & Tenant Behaviour16:08 – Interest Rates & Mortgage Updates20:11 – Key Changes in Legislation & Licensing23:03 – Broader Economic Overview25:24 – Effects on the Student Housing Market-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this episode, the ISAPP hosts discuss human milk and the infant gut with Dr. Simone Renwick PhD from Mother-Milk-Infant Center of Research Excellence (MOMI CORE) at UC San Diego, USA. Dr. Renwick talks about her work investigating how communities of microbes versus individual microbes in the infant gut metabolize human milk oligosaccharide (HMO) structures, […] The post Archive Highlight: Human milk oligosaccharides in the infant gut, with Dr. Simone Renwick PhD appeared first on International Scientific Association for Probiotics and Prebiotics (ISAPP).

In this episode, we hear from Paul Featonby, who shares his incredible journey from initial hesitation to becoming a successful property investor. Paul walks us through his first investment in 2020, the challenges he faced along the way, and how he achieved a 11.7% yield on his first property, leading to a $50K return without lifting a finger. Paul's story is a testament to how property investment, especially through HMO strategies, can create life-changing passive income and build long-term wealth. He also discusses how his properties have grown in value, the lessons he's learned, and the key decisions that led him to where he is now. In this episode, you'll hear about: How Paul overcame his initial doubts and took the leap into property investment The success of his first property, providing a 11.7% yield and a $50K return The lessons Paul learned in the first 5 years of his real estate journey How HMO properties created consistent cashflow and increased property values What's next for Paul, including his plans for further investment If you're thinking about starting your investment journey or just want to hear a real-life success story, this episode is packed with insights. Links & Resources

I det här avsnittet delar vi med oss av våra bästa tips kring inredning av HMO – från hur du bör tänka vid finansiering till praktiska råd kring möblering och design. Ett avsnitt fullt av värdefulla insikter!Nätverksträff 15 maj i Stockholm - Anmäl dig här!Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-mars-2025Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

In today's episode, I'm really excited to be joined by Jack Jiggens of XP Property, a very experienced property investor and developer. Jack has learned a lot over the years, and today he's sharing what it really takes to build a successful property business.Jack shares tips on finding deals, working with partners, and getting funding. We also talk about the ups and downs of the journey, and why being flexible and always learning is so important in this industry.If you're in property—or thinking about it—this one's packed with useful advice. Topics covered in this episode:03:00 – Jack's Journey into Property Development10:01 – Key Insights on Building a Property Business20:02 – The Importance of Strategic Partnerships23:48 – Funding Strategies for Growth32:14 – How to Find and Structure Profitable Deals-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

In this week's episode of The Property Rebel, Arsh Ellahi dives into the reasons why the UK remains one of the easiest and most exciting places to do business. Fresh from a jam-packed week of meetings, viewings, and deal-making across the country, Arsh shares insights on:   Securing a rent-to-rent block in Solihull Adding another HMO to the growing Blackpool portfolio Negotiating a large commercial-to-resi opportunity in Wolverhampton   He also reflects on the differences between setting up shop in the UK vs. Dubai and explains why, despite the glitz of the UAE, the UK is still a powerhouse for property investors.   Tune in now, get inspired, and let's get deal-making!   Listen, learn, and lead in property!   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

In this episode of WealthTalk, we're joined by Raj Beri, a former scientist turned full-time property investor, who reveals how he built a successful portfolio using innovative strategies—including the Local Housing Allowance (LHA) model) to maximise rental income. With hosts Christian Rodwell and Kevin Whelan, Raj unpacks the complexities of navigating housing benefit tenants, government regulations, and tenant relationships, while debunking common myths that deter many investors from exploring this path.Raj shares the ups and downs of leaving behind a stable career, the importance of having a financial safety net, and how mentorship and community support have been key pillars in his property journey. He speaks candidly about the challenges of tenant management, the need for adaptability in an ever-changing market, and how leveraging his corporate skills helped him become a more effective landlord and investor.The episode also highlights Raj's belief that anyone can succeed in property with the right mindset, education, and support. Whether you're just getting started or looking to expand your strategy, this conversation offers practical insights into achieving long-term wealth through property.This episode is essential listening for aspiring and experienced property investors alike—especially those curious about high-cashflow models, buy-to-let, HMOs, and building resilience in the face of regulatory change.Tune in now to learn how Raj Beri transformed his life through property investment—and how you can too.Resources Mentioned In This Episode: >> Raj Beri [LinkedIn]>> Raj Beri [Website]>> Brand New! Wheel of WealthNext Steps On Your Wealth Building Journey: >> Join the WealthBuilders Facebook Community >> Schedule a 1:1 call with one of our team >> Become a member of WealthBuilders  If you have been enjoying listening to WealthTalk - Please Leave Us A Review! 

Welcome back to The HMO Property Show, hosted by Neil Gibb—your go-to podcast for cashflow-positive property investing and breaking free from outdated real estate myths. Considering investing in an HMO but not sure where to start? In this episode, Neil answers the top 10 questions that come up time and time again from aspiring and seasoned investors alike. From rental yields to legality, tenant types to exit strategies—this episode is your go-to guide for getting confident with co-living. Neil shares real numbers, real stories, and breaks it all down in plain English—so you can make smarter, lower-risk decisions about your next investment move. In this episode, Neil dives into: ✔️ How HMOs differ from traditional rentals (and why they outperform) ✔️ What kind of returns are realistic and what impacts cashflow ✔️ Who actually rents co-living rooms and what they're looking for ✔️ The truth about legality and compliance in WA ✔️ What happens if you have vacancies—and why it's rare ✔️ How to invest passively without managing tenants or repairs ✔️ What your exit options are and how resale stacks up ✔️ Why new builds often beat conversions in the long run ✔️ How to invest using your Self Managed Super Fund ✔️ What makes The HMO Property Co different from everyone else Key Takeaways:

I det här avsnittet summerar vi vad som hänt under Q1 både privat och i företaget. Vi delar också med oss av vår senaste resa till Storbritannien för två veckor sedan, med insikter, reflektioner och uppdateringar från marken. Häng med!Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-mars-2025Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

The Medicare Advantage Minute points out more trouble for Medicare Advantage plans. Hospitals have seen increasingly aggressive denials of payments with every expectation of more denial pressure to come! In Your Medicare Benefits 2024 we learn how Medicare covers doctor services. No secret, their fees are Part B expenses. Finally, we hear from Linda, wife of a happy MLM Medicare supplement client. Two years away from Medicare age herself, she is concerned because her favorite hospital and long-time doctor have been deemed "out of network" due to a merger or an acquisition. Turns out she has a PPO plan, not an HMO. Even though these providers are "out-of-network" they are not out-of-bounds to Linda. For a somewhat less robust insurance coverage she will still be able to use them at will. Two years from now, with original Medicare plus a supplement, her network concerns should be a thing of the past. I am looking forward to helping Linda join her husband as another happy client! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A++)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

There are fears horror stories from the county's A&E departments have left many patients afraid to seek urgent hospital treatment.Reports of sick people stranded for hours on trolleys in crowded corridors are having a knock-on effect on local surgeries.Also in today podcast, a drink driver was warned she could be facing jail after admitting to getting behind the wheel while over the legal limit for at least the third time.She was spotted by police at the wheel of her car in Maidstone in February “driving at excess speed” and going in a bus lane.Dozens of Evri couriers are being chased by debt collectors after their depot decided to install private parking cameras.Early time slot drivers at the depot in Strood were told ANPR cameras were going live in November to stop unauthorised parking – but more than 20 have received penalty notices. Ambitious plans for a new four-storey HMO building in the rear yard of an existing property in Maidstone town centre have been submitted.Housing bosses want to build a 10-bed house of multiple occupation in Week Street despite concerns over a lack of vehicle access. And in football, it was a big weekend for the Gillingham boss after he notched up his first win since joining the club. You can hear from Gareth Ainsworth and goal scorer Bradley Dack following their 1 – nil win over MK Dons at the weekend. 

Two men have gone on trial accused of murder after another man was stabbed through the heart during an attack in Canterbury.23 year-old Samare Gerezgihir - who was also known as Sammy or Jamyl - died at the scene in a courtyard near the former Nasons department store in the city centre in October last year.People living in two Kent villages fear they could be left without high-speed wifi after a provider announced plans to pull out of the area.Trooli's confirmed a small number of customers on a copper network in Stansted and part of Fairseat will be affected.A Kent dad who's raised tens of thousands of pounds for charity after being diagnosed with terminal prostate cancer has won a top award.Paul Dennington has taken part in various challenges, and was recognised at the Pride in Medway event.His latest campaign will see him walk 25 million steps on a month-long journey from Newcastle to Medway.Kent property developers have been talking to the Podcast about how they're setting out to "level up" the shared accommodation game.Aaron Prowse and Ellis O'Sullivan currently have nine HMOs in Medway and Gravesend - and are in the process of buying another four, with two more in construction.A Kent chocolate company has created the UK's biggest and heaviest Easter Egg.It's seven feet tall and weighs 300 kilograms - which is the same as a polar bear.And in sport, Gillingham are on the road again as they take on Chesterfield tonight.It's a quick turnaround for the Gills who secured a point at Salford City on Saturday with a 2-2 draw.

Rob Main helps people of all ages at Rob Main Health and Wellness. That puts him deep into the world of Health coverage and Medicare. Learn what you need to know about the ups and downs of Medicare. Like this episode? Hit that Follow button and never miss an episode!

On this week's episode: Rooting out the waste and inefficiency in your retirement plan. There are many ideas about how you should allocate your retirement money. 60% stocks and 40% bonds is an old standard. Charisse has a new option to consider. Rob Main of Rob Main Health and Wellness joins us to discuss the details you should know about Medicare. Like this episode? Hit that Follow button and never miss an episode!

SOUNDBROKER PRESENTS: Thinking Out Loud w/Friends ZoomCastAN OPEN CONVERSATION WITH FRIENDS THAT LOVE THE WORLD OF CONCERT AND SPECIAL EVENT PRODUCTIONSJoin our current events support zoomcast show hosted by Jan Landy and his knowledgeable affable panel of friends and colleagues for an entertaining robust discussion offering opinions on anything related to a working professional life in general.Our ZoomCast isn't just a fountain of knowledge; it's also a opportunity to laugh. Think of it as therapy, but with more jokes and fewer couches. Join us and share your thoughts. Stay updated on life and world events, and enjoy multiple good chuckles along the way.

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of the guide today and master the Buy-to-Let market https://bit.ly/buy-to-let-hotspots-guide2025——————————————————In this episode of This Property Life Podcast, host Sarah Blaney is joined by property expert Elaine Bailey to discuss the property market in the Wirral, a thriving region in the Northwest of England. Elaine, a seasoned letting and estate agent, shares her insights into the demand for different types of rentals, investment potential, and what makes the Wirral an attractive location for buy-to-let and HMO investors.What You'll Learn:Why the Wirral is a growing hotspot for property investmentThe demand for different types of rental properties in the regionKey factors to consider before investing in the WirralHow local estate and letting agents assess market trendsTips for property investors looking to expand their portfolioTimestamps:[01:51] – Meet Elaine Bailey: Lettings and estate agent in the Wirral [08:31] – Current room rental rates in the Wirral [18:51] – Is there still demand for HMOs in the Wirral? [19:49] – Expected yields for HMOs in the current market [33:55] – How to connect with Elaine Bailey for property advice This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Elaine Bailey Socials:LinkedIn: https://www.linkedin.com/in/elaine-bailey-85bb8213a Company(Linkedin): https://www.linkedin.com/company/bailey-and-staples-property-specialists/about/ Company(Website): https://baileyandstaples.co.uk/ Email: info@baileyandstaples.co.ukFollow This Property Life Podcast on Socials:Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylife?lang=en Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

Venture capital in healthcare has evolved from "the trailer park of venture investing" to a fundamental core tenant of the ecosystem, reflecting a quarter-century transformation of the entire industry.In this episode, we sit down with Mohamad Makhzoumi, co-CEO of NEA, who shares his 25-year journey from unpaid intern to leader of one of the largest healthcare investment funds, offering his insights into the evolution of healthcare startups and VC.We cover:

I det här avsnittet intervjuar Nana sin vän Kenneth, som har erfarenhet av den spanska bostadsmarknaden. Vi dyker ner i vad som skiljer den spanska fastighetsmarknaden från den brittiska från köpprocess och finansiering till investeringsstrategier och utmaningar. Kenneth delar med sig av värdefulla insikter och ger sina bästa tips för den som funderar på att investera i Spanien.Kontakt uppgifterKennethason@hotmail.com0733-580561Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-mars-2025Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

Simon delves into two lucrative property investment strategies: Houses of Multiple Occupation (HMOs) and serviced accommodation, comparing the benefits and challenges of each approach, highlighting the importance of quality in HMOs to attract better tenants and ensure consistent income. He discusses the need for effective management and the potential for repeat customers in the Airbnb market, while also discussing the impact of upcoming regulations on short-term rentals. KEY TAKEAWAYS HMOs provide consistent income through long-term contracts (typically 6-12 months) and can yield a profit of at least £1,000 per property when managed correctly. High-end co-living HMOs are recommended to attract better tenants and avoid competing solely on price. Airbnb properties can generate significant income, but the occupancy rates can fluctuate, averaging around 70%. Dynamic pricing is essential to maximise profits based on demand, and maintaining good reviews is crucial for attracting repeat customers. Recent regulations in Scotland and Wales, with potential upcoming regulations in England, may impact the Airbnb market by requiring safety standards and registration. This could reduce supply and benefit those who remain in the market. Successful property investing involves not doing all the work personally. Utilising managing agents for HMOs and virtual assistants for Airbnb can help streamline operations, allowing investors to focus on growing their portfolio while maintaining a work-life balance. BEST MOMENTS "If you have a vanilla boring HMO, you're going to compete on price, which is not a good thing." "The key to making lots of money in SA, Airbnb, is to get repeat customers. It's very important to get really good reviews." "When regulation comes in, there'll be a fall in supply of Airbnb and service accommodation units available to rent." "If you look after your tenants in an HMO, I've got tenants who've stayed for years and years and years." "Please treat your property investing like a business, systemise it and get great people in to help you run that business." VALUABLE RESOURCES To learn more about how you can add profitable HMOs to your portfolio, register here to join online training with Simonhttps://property.isrefer.com/go/3-5PF/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.

We are excited to bring our listeners another Practice Growth Deep Dive Episode of the Growth in Dentistry Podcast. This episode takes you along with Steve and Adam into Dr. Maggie Augustyn's dental journey and the changes she made to have a growing and healthy practice. Listen along to hear:Her practice's transformation from a high-volume HMO/public aid practice to a quality-focused practice during COVID-19What changes she and her team made to the type of procedures they were accepting and renegotiating insurance feesHer patient care evolution - enabling more comprehensive care and better relationshipsThe quality of life impact for Dr. Maggie and how she sees dentistry nowAbout the technology she and her team have invested inDr. Maggie's advice for dentists…and so much more!We packed a lot into these 45 minutes, so buckle up and enjoy learning from Dr. Maggie Augustyn!See a demo of DI and get a $50 gift card: https://get.dentalintel.net/podcast.

I detta avsnitt går vi igenom alla utmaningar vi stött på i våra projekt. Vill du se videon istället för att lyssna? Klicka på YouTube-länken eller kolla in avsnittet på Spotify!Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-december-10939404Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

Want to turn your property portfolio into a serious cash flow machine? HMOs (Houses in Multiple Occupation) can deliver huge returns—if you know what you're doing. In this episode, I break down everything you need to run a profitable, low-hassle HMO business. From finding the right properties and avoiding costly mistakes to maximizing rental income and handling tenants like a pro—this is your ultimate guide to making HMOs work for you. Whether you're just starting or looking to scale, this episode will give you the insights, strategies, and real-world experience to build a highly profitable HMO portfolio the smart way.

Simon welcomes Richard Miller, a former army officer turned successful property investor, who shares his incredible journey into the world of real estate. Richard discusses a life-changing mega deal that generated over £100,000 in profit from a single investment, highlighting the importance of education and networking in property investing. He also recounts his initial foray into property after being inspired by his father's advice, leading to a series of successful investments, including a remarkable 48-bed HMO in Sheffield. KEY TAKEAWAYS Gaining knowledge about property investment is crucial. Understanding the risks and having a solid support network transforms a gamble into a calculated risk. Simply acquiring knowledge is not enough; taking decisive action is essential for changing one's life and achieving financial goals. Focusing on larger property deals can lead to greater profits with less competition. By moving away from smaller, saturated markets, investors can find more lucrative opportunities. Building a strong network of investors and partners can provide the necessary funding and experience to tackle larger projects that may initially seem out of reach. BEST MOMENTS "I thought I could earn more than that, hopefully with less work and be my own boss through property investing." "I found a six bed student HMO in Sheffield, off market, bricks and mortar value 345, agreed to buy it for 325." "I had no money again and had to, right, do I phone up John... or do I try and do this and try and make it work?" "If you want something different for your life, you've got to do something different." VALUABLE RESOURCES To learn more about how you can add profitable HMOs to your portfolio, register here to join online training with Simon https://property.isrefer.com/go/3-5PF/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.

Dr. Gary Null provides a commentary on "Universal  Healthcare"       Universal Healthcare is the Solution to a Broken Medical System Gary Null, PhD Progressive Radio Network, March 3, 2025 For over 50 years, there has been no concerted or successful effort to bring down medical costs in the American healthcare system. Nor are the federal health agencies making disease prevention a priority. Regardless whether the political left or right sponsors proposals for reform, such measures are repeatedly defeated by both parties in Congress. As a result, the nation's healthcare system remains one of the most expensive and least efficient in the developed world. For the past 30 years, medical bills contributing to personal debt regularly rank among the top three causes of personal bankruptcy. This is a reality that reflects not only the financial strain on ordinary Americans but the systemic failure of the healthcare system itself. The urgent question is: If President Trump and his administration are truly seeking to reduce the nation's $36 trillion deficit, why is there no serious effort to reform the most bloated and corrupt sector of the economy? A key obstacle is the widespread misinformation campaign that falsely claims universal health care would cost an additional $2 trillion annually and further balloon the national debt. However, a more honest assessment reveals the opposite. If the US adopted a universal single-payer system, the nation could actually save up to $20 trillion over the next 10 years rather than add to the deficit. Even with the most ambitious efforts by people like Elon Musk to rein in federal spending or optimize government efficiency, the estimated savings would only amount to $500 billion. This is only a fraction of what could be achieved through comprehensive healthcare reform alone. Healthcare is the largest single expenditure of the federal budget. A careful examination of where the $5 trillion spent annually on healthcare actually goes reveals massive systemic fraud and inefficiency. Aside from emergency medicine, which accounts for only 10-12 percent of total healthcare expenditures, the bulk of this spending does not deliver better health outcomes nor reduce trends in physical and mental illness. Applying Ockham's Razor, the principle that the simplest solution is often the best, the obvious conclusion is that America's astronomical healthcare costs are the direct result of price gouging on an unimaginable scale. For example, in most small businesses, profit margins range between 1.6 and 2.5 percent, such as in grocery retail. Yet the pharmaceutical industrial complex routinely operates on markup rates as high as 150,000 percent for many prescription drugs. The chart below highlights the astronomical gap between the retail price of some top-selling patented pharmaceutical medications and their generic equivalents. Drug Condition Patent Price (per unit) Generic Price Estimated Manufacture Cost Markup Source Insulin (Humalog) Diabetes $300 $30 $3 10,000% Rand (2021) EpiPen Allergic reactions $600 $30 $10 6,000% BMJ (2022) Daraprim Toxoplasmosis $750/pill $2 $0.50 150,000% JAMA (2019) Harvoni Hepatitis C $94,500 (12 weeks) $30,000 $200 47,000% WHO Report (2018) Lipitor Cholesterol $150 $10 $0.50 29,900% Health Affairs (2020) Xarelto Blood Thinner $450 $25 $1.50 30,000% NEJM (2020) Abilify Schizophrenia $800 (30 tablets) $15 $2 39,900% AJMC (2019) Revlimid Cancer $16,000/mo $450 $150 10,500% Kaiser Health News (2021) Humira Arthritis $2,984/dose $400 $50 5,868% Rand (2021) Sovaldi Hepatitis C $1,000/pill $10 $2 49,900% JAMA (2021) Xolair Asthma $2,400/dose $300 $50 4,800% NEJM (2020) Gleevec Leukemia $10,000/mo $350 $200 4,900% Harvard Public Health Review (2020) OxyContin Pain Relief $600 (30 tablets) $15 $0.50 119,900% BMJ (2022) Remdesivir Covid-19 $3,120 (5 doses) N/A $10 31,100% The Lancet (2020) The corruption extends far beyond price gouging. Many pharmaceutical companies convince federal health agencies to fund their basic research and drug development with taxpayer dollars. Yet when these companies bring successful products to market, the profits are kept entirely by the corporations or shared with the agencies or groups of government scientists. On the other hand, the public, who funded the research, receives no financial return. This amounts to a systemic betrayal of the public trust on a scale of hundreds of billions of dollars annually. Another significant contributor to rising healthcare costs is the widespread practice of defensive medicine that is driven by the constant threat of litigation. Over the past 40 years, defensive medicine has become a cottage industry. Physicians order excessive diagnostic tests and unnecessary treatments simply to protect themselves from lawsuits. Study after study has shown that these over-performed procedures not only inflate costs but lead to iatrogenesis or medical injury and death caused by the medical  system and practices itself. The solution is simple: adopting no-fault healthcare coverage for everyone where patients receive care without needing to sue and thereby freeing doctors from the burden of excessive malpractice insurance. A single-payer universal healthcare system could fundamentally transform the entire industry by capping profits at every level — from drug manufacturers to hospitals to medical equipment suppliers. The Department of Health and Human Services would have the authority to set profit margins for medical procedures. This would ensure that healthcare is determined by outcomes, not profits. Additionally, the growing influence of private equity firms and vulture capitalists buying up hospitals and medical clinics across America must be reined in. These equity firms prioritize profit extraction over improving the quality of care. They often slash staff, raise prices, and dictate medical procedures based on what will yield the highest returns. Another vital reform would be to provide free medical education for doctors and nurses in exchange for five years of service under the universal system. Medical professionals would earn a realistic salary cap to prevent them from being lured into equity partnerships or charging exorbitant rates. The biggest single expense in the current system, however, is the private health insurance industry, which consumes 33 percent of the $5 trillion healthcare budget. Health insurance CEOs consistently rank among the highest-paid executives in the country. Their companies, who are nothing more than bean counters, decide what procedures and drugs will be covered, partially covered, or denied altogether. This entire industry is designed to place profits above patients' lives. If the US dismantled its existing insurance-based system and replaced it with a fully reformed national healthcare model, the country could save $2.7 trillion annually while simultaneously improving health outcomes. Over the course of 10 years, those savings would amount to $27 trillion. This could wipe out nearly the entire national debt in a short time. This solution has been available for decades but has been systematically blocked by corporate lobbying and bipartisan corruption in Washington. The path forward is clear but only if American citizens demand a system where healthcare is valued as a public service and not a commodity. The national healthcare crisis is not just a fiscal issue. It is a crucial moral failure of the highest order. With the right reforms, the nation could simultaneously restore its financial health and deliver the kind of healthcare system its citizens have long deserved. American Healthcare: Corrupt, Broken and Lethal Richard Gale and Gary Null Progressive Radio Network, March 3, 2025 For a nation that prides itself on being the world's wealthiest, most innovative and technologically advanced, the US' healthcare system is nothing less than a disaster and disgrace. Not only are Americans the least healthy among the most developed nations, but the US' health system ranks dead last among high-income countries. Despite rising costs and our unshakeable faith in American medical exceptionalism, average life expectancy in the US has remained lower than other OECD nations for many years and continues to decline. The United Nations recognizes healthcare as a human right. In 2018, former UN Secretary General Ban Ki-moon denounced the American healthcare system as "politically and morally wrong." During the pandemic it is estimated that two to three years was lost on average life expectancy. On the other hand, before the Covid-19 pandemic, countries with universal healthcare coverage found their average life expectancy stable or slowly increasing. The fundamental problem in the U.S. is that politics have been far too beholden to the pharmaceutical, HMO and private insurance industries. Neither party has made any concerted effort to reign in the corruption of corporate campaign funding and do what is sensible, financially feasible and morally correct to improve Americans' quality of health and well-being.   The fact that our healthcare system is horribly broken is proof that moneyed interests have become so powerful to keep single-payer debate out of the media spotlight and censored. Poll after poll shows that the American public favors the expansion of public health coverage. Other incremental proposals, including Medicare and Medicaid buy-in plans, are also widely preferred to the Affordable Care Act or Obamacare mess we are currently stuck with.   It is not difficult to understand how the dismal state of American medicine is the result of a system that has been sold out to the free-market and the bottom line interests of drug makers and an inflated private insurance industry. How advanced and ethically sound can a healthcare system be if tens of millions of people have no access to medical care because it is financially out of their reach?  The figures speak for themselves. The U.S. is burdened with a $41 trillion Medicare liability. The number of uninsured has declined during the past several years but still lingers around 25 million. An additional 30-35 million are underinsured. There are currently 65 million Medicare enrollees and 89 million Medicaid recipients. This is an extremely unhealthy snapshot of the country's ability to provide affordable healthcare and it is certainly unsustainable. The system is a public economic failure, benefiting no one except the large and increasingly consolidated insurance and pharmaceutical firms at the top that supervise the racket.   Our political parties have wrestled with single-payer or universal healthcare for decades. Obama ran his first 2008 presidential campaign on a single-payer platform. Since 1985, his campaign health adviser, the late Dr. Quentin Young from the University of Illinois Medical School, was one of the nation's leading voices calling for universal health coverage.  During a private conversation with Dr. Young shortly before his passing in 2016, he conveyed his sense of betrayal at the hands of the Obama administration. Dr. Young was in his 80s when he joined the Obama campaign team to help lead the young Senator to victory on a promise that America would finally catch up with other nations. The doctor sounded defeated. He shared how he was manipulated, and that Obama held no sincere intention to make universal healthcare a part of his administration's agenda. During the closed-door negotiations, which spawned the weak and compromised Affordable Care Act, Dr. Young was neither consulted nor invited to participate. In fact, he told us that he never heard from Obama again after his White House victory.   Past efforts to even raise the issue have been viciously attacked. A huge army of private interests is determined to keep the public enslaved to private insurers and high medical costs. The failure of our healthcare is in no small measure due to it being a fully for-profit operation. Last year, private health insurance accounted for 65 percent of coverage. Consider that there are over 900 private insurance companies in the US. National Health Expenditures (NHE) grew to $4.5 trillion in 2022, which was 17.3 percent of GDP. Older corporate rank-and-file Democrats and Republicans argue that a single-payer or socialized medical program is unaffordable. However, not only is single-payer affordable, it will end bankruptcies due to unpayable medical debt. In addition, universal healthcare, structured on a preventative model, will reduce disease rates at the outset.    Corporate Democrats argue that Obama's Affordable Care Act (ACA) was a positive step inching the country towards complete public coverage. However, aside from providing coverage to the poorest of Americans, Obamacare turned into another financial anchor around the necks of millions more. According to the health policy research group KFF, the average annual health insurance premium for single coverage is $8,400 and almost $24,000 for a family. In addition, patient out-of-pocket costs continue to increase, a 6.6% increase to $471 billion in 2022. Rather than healthcare spending falling, it has exploded, and the Trump and Biden administrations made matters worse.    Clearly, a universal healthcare program will require flipping the script on the entire private insurance industry, which employed over half a million people last year.  Obviously, the most volatile debate concerning a national universal healthcare system concerns cost. Although there is already a socialized healthcare system in place -- every federal legislator, bureaucrat, government employee and veteran benefits from it -- fiscal Republican conservatives and groups such as the Koch Brothers network are single-mindedly dedicated to preventing the expansion of Medicare and Medicaid. A Koch-funded Mercatus analysis made the outrageous claim that a single-payer system would increase federal health spending by $32 trillion in ten years. However, analyses and reviews by the Congressional Budget Office in the early 1990s concluded that such a system would only increase spending at the start; enormous savings would quickly offset it as the years pass. In one analysis, "the savings in administrative costs [10 percent of health spending] would be more than enough to offset the expense of universal coverage."    Defenders of those advocating for funding a National Health Program argue this can primarily be accomplished by raising taxes to levels comparable to other developed nations. This was a platform Senator Bernie Sanders and some of the younger progressive Democrats in the House campaigned on. The strategy was to tax the highest multimillion-dollar earners 60-70 percent. Despite the outrage of its critics, including old rank-and-file multi-millionaire Democrats like Nancy Pelosi and Chuck Schumer, this is still far less than in the past. During the Korean War, the top tax rate was 91 percent; it declined to 70 percent in the late 1960s. Throughout most of the 1970s, those in the lowest income bracket were taxed at 14 percent. We are not advocating for this strategy because it ignores where the funding is going, and the corruption in the system that is contributing to exorbitant waste.    But Democratic supporters of the ACA who oppose a universal healthcare plan ignore the additional taxes Obama levied to pay for the program. These included surtaxes on investment income, Medicare taxes from those earning over $200,000, taxes on tanning services, an excise tax on medical equipment, and a 40 percent tax on health coverage for costs over the designated cap that applied to flexible savings and health savings accounts. The entire ACA was reckless, sloppy and unnecessarily complicated from the start.    The fact that Obamacare further strengthened the distinctions between two parallel systems -- federal and private -- with entirely different economic structures created a labyrinth of red tape, rules, and wasteful bureaucracy. Since the ACA went into effect, over 150 new boards, agencies and programs have had to be established to monitor its 2,700 pages of gibberish. A federal single-payer system would easily eliminate this bureaucracy and waste.    A medical New Deal to establish universal healthcare coverage is a decisive step in the correct direction. But we must look at the crisis holistically and in a systematic way. Simply shuffling private insurance into a federal Medicare-for-all or buy-in program, funded by taxing the wealthiest of citizens, would only temporarily reduce costs. It will neither curtail nor slash escalating disease rates e. Any effective healthcare reform must also tackle the underlying reasons for Americans' poor state of health. We cannot shy away from examining the social illnesses infecting our entire free-market capitalist culture and its addiction to deregulation. A viable healthcare model would have to structurally transform how the medical economy operates. Finally, a successful medical New Deal must honestly evaluate the best and most reliable scientific evidence in order to effectively redirect public health spending.    For example, Dr. Ezekiel Emanuel, a former Obama healthcare adviser, observed that AIDS-HIV measures consume the most public health spending, even though the disease "ranked 75th on the list of diseases by personal health expenditures." On the other hand, according to the American Medical Association, a large percentage of the nation's $3.4 trillion healthcare spending goes towards treating preventable diseases, notably diabetes, common forms of heart disease, and back and neck pain conditions. In 2016, these three conditions were the most costly and accounted for approximately $277 billion in spending. Last year, the CDC announced the autism rate is now 1 in 36 children compared to 1 in 44 two years ago. A retracted study by Mark Blaxill, an autism activist at the Holland Center and a friend of the authors, estimates that ASD costs will reach $589 billion annually by 2030. There are no signs that this alarming trend will reverse and decline; and yet, our entire federal health system has failed to conscientiously investigate the underlying causes of this epidemic. All explanations that might interfere with the pharmaceutical industry's unchecked growth, such as over-vaccination, are ignored and viciously discredited without any sound scientific evidence. Therefore, a proper medical New Deal will require a systemic overhaul and reform of our federal health agencies, especially the HHS, CDC and FDA. Only the Robert Kennedy Jr presidential campaign is even addressing the crisis and has an inexpensive and comprehensive plan to deal with it. For any medical revolution to succeed in advancing universal healthcare, the plan must prioritize spending in a manner that serves public health and not private interests. It will also require reshuffling private corporate interests and their lobbyists to the sidelines, away from any strategic planning, in order to break up the private interests' control over federal agencies and its revolving door policies. Aside from those who benefit from this medical corruption, the overwhelming majority of Americans would agree with this criticism. However, there is a complete lack of national trust that our legislators, including the so-called progressives, would be willing to undertake such actions.    In addition, America's healthcare system ignores the single most critical initiative to reduce costs - that is, preventative efforts and programs instead of deregulation and closing loopholes designed to protect the drug and insurance industries' bottom line. Prevention can begin with banning toxic chemicals that are proven health hazards associated with current disease epidemics, and it can begin by removing a 1,000-plus toxins already banned in Europe. This should be a no-brainer for any legislator who cares for public health. For example, Stacy Malkan, co-founder of the Campaign for Safe Cosmetics, notes that "the policy approach in the US and Europe is dramatically different" when it comes to chemical allowances in cosmetic products. Whereas the EU has banned 1,328 toxic substances from the cosmetic industry alone, the US has banned only 11. The US continues to allow carcinogenic formaldehyde, petroleum, forever chemicals, many parabens (an estrogen mimicker and endocrine hormone destroyer), the highly allergenic p-phenylenediamine or PBD, triclosan, which has been associated with the rise in antibiotic resistant bacteria, avobenzone, and many others to be used in cosmetics, sunscreens, shampoo and hair dyes.   Next, the food Americans consume can be reevaluated for its health benefits. There should be no hesitation to tax the unhealthiest foods, such as commercial junk food, sodas and candy relying on high fructose corn syrup, products that contain ingredients proven to be toxic, and meat products laden with dangerous chemicals including growth hormones and antibiotics. The scientific evidence that the average American diet is contributing to rising disease trends is indisputable. We could also implement additional taxes on the public advertising of these demonstrably unhealthy products. All such tax revenue would accrue to a national universal health program to offset medical expenditures associated with the very illnesses linked to these products. Although such tax measures would help pay for a new medical New Deal, it may be combined with programs to educate the public about healthy nutrition if it is to produce a reduction in the most common preventable diseases. In fact, comprehensive nutrition courses in medical schools should be mandatory because the average physician receives no education in this crucial subject.  In addition, preventative health education should be mandatory throughout public school systems.   Private insurers force hospitals, clinics and private physicians into financial corners, and this is contributing to prodigious waste in money and resources. Annually, healthcare spending towards medical liability insurance costs tens of billions of dollars. In particular, this economic burden has taxed small clinics and physicians. It is well past the time that physician liability insurance is replaced with no-fault options. Today's doctors are spending an inordinate amount of money to protect themselves. Legions of liability and trial lawyers seek big paydays for themselves stemming from physician error. This has created a culture of fear among doctors and hospitals, resulting in the overly cautious practice of defensive medicine, driving up costs and insurance premiums just to avoid lawsuits. Doctors are forced to order unnecessary tests and prescribe more medications and medical procedures just to cover their backsides. No-fault insurance is a common-sense plan that enables physicians to pursue their profession in a manner that will reduce iatrogenic injuries and costs. Individual cases requiring additional medical intervention and loss of income would still be compensated. This would generate huge savings.    No other nation suffers from the scourge of excessive drug price gouging like the US. After many years of haggling to lower prices and increase access to generic drugs, only a minute amount of progress has been made in recent years. A 60 Minutes feature about the Affordable Care Act reported an "orgy of lobbying and backroom deals in which just about everyone with a stake in the $3-trillion-a-year health industry came out ahead—except the taxpayers.” For example, Life Extension magazine reported that an antiviral cream (acyclovir), which had lost its patent protection, "was being sold to pharmacies for 7,500% over the active ingredient cost. The active ingredient (acyclovir) costs only 8 pennies, yet pharmacies are paying a generic maker $600 for this drug and selling it to consumers for around $700." Other examples include the antibiotic Doxycycline. The price per pill averages 7 cents to $3.36 but has a 5,300 percent markup when it reaches the consumer. The antidepressant Clomipramine is marked up 3,780 percent, and the anti-hypertensive drug Captopril's mark-up is 2,850 percent. And these are generic drugs!    Medication costs need to be dramatically cut to allow drug manufacturers a reasonable but not obscene profit margin. By capping profits approximately 100 percent above all costs, we would save our system hundreds of billions of dollars. Such a measure would also extirpate the growing corporate misdemeanors of pricing fraud, which forces patients to pay out-of-pocket in order to make up for the costs insurers are unwilling to pay.    Finally, we can acknowledge that our healthcare is fundamentally a despotic rationing system based upon high insurance costs vis-a-vis a toss of the dice to determine where a person sits on the economic ladder. For the past three decades it has contributed to inequality. The present insurance-based economic metrics cast millions of Americans out of coverage because private insurance costs are beyond their means. Uwe Reinhardt, a Princeton University political economist, has called our system "brutal" because it "rations [people] out of the system." He defined rationing as "withholding something from someone that is beneficial." Discriminatory healthcare rationing now affects upwards to 60 million people who have been either priced out of the system or under insured. They make too much to qualify for Medicare under Obamacare, yet earn far too little to afford private insurance costs and premiums. In the final analysis, the entire system is discriminatory and predatory.    However, we must be realistic. Almost every member of Congress has benefited from Big Pharma and private insurance lobbyists. The only way to begin to bring our healthcare program up to the level of a truly developed nation is to remove the drug industry's rampant and unnecessary profiteering from the equation.     How did Fauci memory-hole a cure for AIDS and get away with it?   By Helen Buyniski   Over 700,000 Americans have died of AIDS since 1981, with the disease claiming some 42.3 million victims worldwide. While an HIV diagnosis is no longer considered a certain death sentence, the disease looms large in the public imagination and in public health funding, with contemporary treatments running into thousands of dollars per patient annually.   But was there a cure for AIDS all this time - an affordable and safe treatment that was ruthlessly suppressed and attacked by the US public health bureaucracy and its agents? Could this have saved millions of lives and billions of dollars spent on AZT, ddI and failed HIV vaccine trials? What could possibly justify the decision to disappear a safe and effective approach down the memory hole?   The inventor of the cure, Gary Null, already had several decades of experience creating healing protocols for physicians to help patients not responding well to conventional treatments by the time AIDS was officially defined in 1981. Null, a registered dietitian and board-certified nutritionist with a PhD in human nutrition and public health science, was a senior research fellow and Director of Anti-Aging Medicine at the Institute of Applied Biology for 36 years and has published over 950 papers, conducting groundbreaking experiments in reversing biological aging as confirmed with DNA methylation testing. Additionally, Null is a multi-award-winning documentary filmmaker, bestselling author, and investigative journalist whose work exposing crimes against humanity over the last 50 years has highlighted abuses by Big Pharma, the military-industrial complex, the financial industry, and the permanent government stay-behind networks that have come to be known as the Deep State.   Null was contacted in 1974 by Dr. Stephen Caiazza, a physician working with a subculture of gay men in New York living the so-called “fast track” lifestyle, an extreme manifestation of the gay liberation movement that began with the Stonewall riots. Defined by rampant sexual promiscuity and copious use of illegal and prescription drugs, including heavy antibiotic use for a cornucopia of sexually-transmitted diseases, the fast-track never included more than about two percent of gay men, though these dominated many of the bathhouses and clubs that defined gay nightlife in the era. These patients had become seriously ill as a result of their indulgence, generally arriving at the clinic with multiple STDs including cytomegalovirus and several types of herpes and hepatitis, along with candida overgrowth, nutritional deficiencies, gut issues, and recurring pneumonia. Every week for the next 10 years, Null would counsel two or three of these men - a total of 800 patients - on how to detoxify their bodies and de-stress their lives, tracking their progress with Caiazza and the other providers at weekly feedback meetings that he credits with allowing the team to quickly evaluate which treatments were most effective. He observed that it only took about two years on the “fast track” for a healthy young person to begin seeing muscle loss and the recurrent, lingering opportunistic infections that would later come to be associated with AIDS - while those willing to commit to a healthier lifestyle could regain their health in about a year.    It was with this background that Null established the Tri-State Healing Center in Manhattan in 1980, staffing the facility with what would eventually run to 22 certified health professionals to offer safe, natural, and effective low- and no-cost treatments to thousands of patients with HIV and AIDS-defining conditions. Null and his staff used variations of the protocols he had perfected with Caiazza's patients, a multifactorial patient-tailored approach that included high-dose vitamin C drips, intravenous ozone therapy, juicing and nutritional improvements and supplementation, aspects of homeopathy and naturopathy with some Traditional Chinese Medicine and Ayurvedic practices. Additional services offered on-site included acupuncture and holistic dentistry, while peer support groups were also held at the facility so that patients could find community and a positive environment, healing their minds and spirits while they healed their bodies.   “Instead of trying to kill the virus with antiretroviral pharmaceuticals designed to stop viral replication before it kills patients, we focused on what benefits could be gained by building up the patients' natural immunity and restoring biochemical integrity so the body could fight for itself,” Null wrote in a 2014 article describing the philosophy behind the Center's approach, which was wholly at odds with the pharmaceutical model.1   Patients were comprehensively tested every week, with any “recovery” defined solely by the labs, which documented AIDS patient after patient - 1,200 of them - returning to good health and reversing their debilitating conditions. Null claims to have never lost an AIDS patient in the Center's care, even as the death toll for the disease - and its pharmaceutical standard of care AZT - reached an all-time high in the early 1990s. Eight patients who had opted for a more intensive course of treatment - visiting the Center six days a week rather than one - actually sero-deconverted, with repeated subsequent testing showing no trace of HIV in their bodies.   As an experienced clinical researcher himself, Null recognized that any claims made by the Center would be massively scrutinized, challenging as they did the prevailing scientific consensus that AIDS was an incurable, terminal illness. He freely gave his protocols to any medical practitioner who asked, understanding that his own work could be considered scientifically valid only if others could replicate it under the same conditions. After weeks of daily observational visits to the Center, Dr. Robert Cathcart took the protocols back to San Francisco, where he excitedly reported that patients were no longer dying in his care.    Null's own colleague at the Institute of Applied Biology, senior research fellow Elana Avram, set up IV drip rooms at the Institute and used his intensive protocols to sero-deconvert 10 patients over a two-year period. While the experiment had been conducted in secret, as the Institute had been funded by Big Pharma since its inception half a century earlier, Avram had hoped she would be able to publish a journal article to further publicize Null's protocols and potentially help AIDS patients, who were still dying at incredibly high rates thanks to Burroughs Wellcome's noxious but profitable AZT. But as she would later explain in a 2019 letter to Null, their groundbreaking research never made it into print - despite meticulous documentation of their successes - because the Institute's director and board feared their pharmaceutical benefactors would withdraw the funding on which they depended, given that Null's protocols did not involve any patentable or otherwise profitable drugs. When Avram approached them about publication, the board vetoed the idea, arguing that it would “draw negative attention because [the work] was contrary to standard drug treatments.” With no real point in continuing experiments along those lines without institutional support and no hope of obtaining funding from elsewhere, the department she had created specifically for these experiments shut down after a two-year followup with her test subjects - all of whom remained alive and healthy - was completed.2   While the Center was receiving regular visits by this time from medical professionals and, increasingly, black celebrities like Stokely Carmichael and Isaac Hayes, who would occasionally perform for the patients, the news was spreading by word of mouth alone - not a single media outlet had dared to document the clinic that was curing AIDS patients for free. Instead, they gave airtime to Anthony Fauci, director of the National Institute of Allergies and Infectious Diseases, who had for years been spreading baseless, hysteria-fueling claims about HIV and AIDS to any news outlet that would put him on. His claim that children could contract the virus from “ordinary household conduct” with an infected relative proved so outrageous he had to walk it back,3 and he never really stopped insisting the deadly plague associated with gays and drug users was about to explode like a nuclear bomb among the law-abiding heterosexual population. Fauci by this time controlled all government science funding through NIAID, and his zero-tolerance approach to dissent on the HIV/AIDS front had already seen prominent scientists like virologist Peter Duesberg stripped of the resources they needed for their work because they had dared to question his commandment: There is no cause of AIDS but HIV, and AZT is its treatment. Even the AIDS activist groups, which by then had been coopted by Big Pharma and essentially reduced to astroturfing for the toxic failed chemotherapy drug AZT backed by the institutional might of Fauci's NIAID,4 didn't seem to want to hear that there was a cure. Unconcerned with the irrationality of denouncing the man touting his free AIDS cure as an  “AIDS denier,” they warned journalists that platforming Null or anyone else rejecting the mainstream medical line would be met with organized demands for their firing.    Determined to breach the institutional iron curtain and get his message to the masses, Null and his team staged a press conference in New York, inviting scientists and doctors from around the world to share their research on alternative approaches to HIV and AIDS in 1993. To emphasize the sound scientific basis of the Center's protocols and encourage guests to adopt them into their own practices, Null printed out thousands of abstracts in support of each nutrient and treatment being used. However, despite over 7,000 invitations sent three times to major media, government figures, scientists, and activists, almost none of the intended audience members showed up. Over 100 AIDS patients and their doctors, whose charts exhaustively documented their improvements using natural and nontoxic modalities over the preceding 12 months, gave filmed testimonials, declaring that the feared disease was no longer a death sentence, but the conference had effectively been silenced. Bill Tatum, publisher of the Amsterdam News, suggested Null and his patients would find a more welcoming audience in his home neighborhood of Harlem - specifically, its iconic Apollo Theatre. For three nights, the theater was packed to capacity. Hit especially hard by the epidemic and distrustful of a medical system that had only recently stopped being openly racist (the Tuskegee syphilis experiment only ended in 1972), black Americans, at least, did not seem to care what Anthony Fauci would do if he found out they were investigating alternatives to AZT and death.    PBS journalist Tony Brown, having obtained a copy of the video of patient testimonials from the failed press conference, was among a handful of black journalists who began visiting the Center to investigate the legitimacy of Null's claims. Satisfied they had something significant to offer his audience, Brown invited eight patients - along with Null himself - onto his program over the course of several episodes to discuss the work. It was the first time these protocols had received any attention in the media, despite Null having released nearly two dozen articles and multiple documentaries on the subject by that time. A typical patient on one program, Al, a recovered IV drug user who was diagnosed with AIDS at age 32, described how he “panicked,” saw a doctor and started taking AZT despite his misgivings - only to be forced to discontinue the drug after just a few weeks due to his condition deteriorating rapidly. Researching alternatives brought him to Null, and after six months of “detoxing [his] lifestyle,” he observed his initial symptoms - swollen lymph nodes and weight loss - begin to reverse, culminating with sero-deconversion. On Bill McCreary's Channel 5 program, a married couple diagnosed with HIV described how they watched their T-cell counts increase as they cut out sugar, caffeine, smoking, and drinking and began eating a healthy diet. They also saw the virus leave their bodies.   For HIV-positive viewers surrounded by fear and negativity, watching healthy-looking, cheerful “AIDS patients” detail their recovery while Null backed up their claims with charts must have been balm for the soul. But the TV programs were also a form of outreach to the medical community, with patients' charts always on hand to convince skeptics the cure was scientifically valid. Null brought patients' charts to every program, urging them to keep an open mind: “Other physicians and public health officials should know that there's good science in the alternative perspective. It may not be a therapy that they're familiar with, because they're just not trained in it, but if the results are positive, and you can document them…” He challenged doubters to send in charts from their own sero-deconverted patients on AZT, and volunteered to debate proponents of the orthodox treatment paradigm - though the NIH and WHO both refused to participate in such a debate on Tony Brown's Journal, following Fauci's directive prohibiting engagement with forbidden ideas.    Aside from those few TV programs and Null's own films, suppression of Null's AIDS cure beyond word of mouth was total. The 2021 documentary The Cost of Denial, produced by the Society for Independent Journalists, tells the story of the Tri-State Healing Center and the medical paradigm that sought to destroy it, lamenting the loss of the lives that might have been saved in a more enlightened society. Nurse practitioner Luanne Pennesi, who treated many of the AIDS patients at the Center, speculated in the film that the refusal by the scientific establishment and AIDS activists to accept their successes was financially motivated. “It was as if they didn't want this information to get out. Understand that our healthcare system as we know it is a corporation, it's a corporate model, and it's about generating revenue. My concern was that maybe they couldn't generate enough revenue from these natural approaches.”5   Funding was certainly the main disciplinary tool Fauci's NIAID used to keep the scientific community in line. Despite the massive community interest in the work being done at the Center, no foundation or institution would defy Fauci and risk getting itself blacklisted, leaving Null to continue funding the operation out of his pocket with the profits from book sales. After 15 years, he left the Center in 1995, convinced the mainstream model had so thoroughly been institutionalized that there was no chance of overthrowing it. He has continued to counsel patients and advocate for a reappraisal of the HIV=AIDS hypothesis and its pharmaceutical treatments, highlighting the deeply flawed science underpinning the model of the disease espoused by the scientific establishment in 39 articles, six documentaries and a 700-page textbook on AIDS, but the Center's achievements have been effectively memory-holed by Fauci's multi-billion-dollar propaganda apparatus.     FRUIT OF THE POISONOUS TREE   To understand just how much of a threat Null's work was to the HIV/AIDS establishment, it is instructive to revisit the 1984 paper, published by Dr. Robert Gallo of the National Cancer Institute, that established HIV as the sole cause of AIDS. The CDC's official recognition of AIDS in 1981 had done little to quell the mounting public panic over the mysterious illness afflicting gay men in the US, as the agency had effectively admitted it had no idea what was causing them to sicken and die. As years passed with no progress determining the causative agent of the plague, activist groups like Gay Men's Health Crisis disrupted public events and threatened further mass civil disobedience as they excoriated the NIH for its sluggish allocation of government science funding to uncovering the cause of the “gay cancer.”6 When Gallo published his paper declaring that the retrovirus we now know as HIV was the sole “probable” cause of AIDS, its simple, single-factor hypothesis was the answer to the scientific establishment's prayers. This was particularly true for Fauci, as the NIAID chief was able to claim the hot new disease as his agency's own domain in what has been described as a “dramatic confrontation” with his rival Sam Broder at the National Cancer Institute. After all, Fauci pointed out, Gallo's findings - presented by Health and Human Services Secretary Margaret Heckler as if they were gospel truth before any other scientists had had a chance to inspect them, never mind conduct a full peer review - clearly classified AIDS as an infectious disease, and not a cancer like the Kaposi's sarcoma which was at the time its most visible manifestation. Money and media attention began pouring in, even as funding for the investigation of other potential causes of AIDS dried up. Having already patented a diagnostic test for “his” retrovirus before introducing it to the world, Gallo was poised for a financial windfall, while Fauci was busily leveraging the discovery into full bureaucratic empire of the US scientific apparatus.   While it would serve as the sole basis for all US government-backed AIDS research to follow - quickly turning Gallo into the most-cited scientist in the world during the 1980s,7 Gallo's “discovery” of HIV was deeply problematic. The sample that yielded the momentous discovery actually belonged to Prof. Luc Montagnier of the French Institut Pasteur, a fact Gallo finally admitted in 1991, four years after a lawsuit from the French government challenged his patent on the HIV antibody test, forcing the US government to negotiate a hasty profit-sharing agreement between Gallo's and Montagnier's labs. That lawsuit triggered a cascade of official investigations into scientific misconduct by Gallo, and evidence submitted during one of these probes, unearthed in 2008 by journalist Janine Roberts, revealed a much deeper problem with the seminal “discovery.” While Gallo's co-author, Mikulas Popovic, had concluded after numerous experiments with the French samples that the virus they contained was not the cause of AIDS, Gallo had drastically altered the paper's conclusion, scribbling his notes in the margins, and submitted it for publication to the journal Science without informing his co-author.   After Roberts shared her discovery with contacts in the scientific community, 37 scientific experts wrote to the journal demanding that Gallo's career-defining HIV paper be retracted from Science for lacking scientific integrity.8 Their call, backed by an endorsement from the 2,600-member scientific organization Rethinking AIDS, was ignored by the publication and by the rest of mainstream science despite - or perhaps because of - its profound implications.   That 2008 letter, addressed to Science editor-in-chief Bruce Alberts and copied to American Association for the Advancement of Science CEO Alan Leshner, is worth reproducing here in its entirety, as it utterly dismantles Gallo's hypothesis - and with them the entire HIV is the sole cause of AIDS dogma upon which the contemporary medical model of the disease rests:   On May 4, 1984 your journal published four papers by a group led by Dr. Robert Gallo. We are writing to express our serious concerns with regard to the integrity and veracity of the lead paper among these four of which Dr. Mikulas Popovic is the lead author.[1] The other three are also of concern because they rely upon the conclusions of the lead paper .[2][3][4]  In the early 1990s, several highly critical reports on the research underlying these papers were produced as a result of governmental inquiries working under the supervision of scientists nominated by the National Academy of Sciences and the Institute of Medicine. The Office of Research Integrity of the US Department of Health and Human Services concluded that the lead paper was “fraught with false and erroneous statements,” and that the “ORI believes that the careless and unacceptable keeping of research records...reflects irresponsible laboratory management that has permanently impaired the ability to retrace the important steps taken.”[5] Further, a Congressional Subcommittee on Oversight and Investigations led by US Representative John D. Dingell of Michigan produced a staff report on the papers which contains scathing criticisms of their integrity.[6]  Despite the publically available record of challenges to their veracity, these papers have remained uncorrected and continue to be part of the scientific record.  What prompts our communication today is the recent revelation of an astonishing number of previously unreported deletions and unjustified alterations made by Gallo to the lead paper. There are several documents originating from Gallo's laboratory that, while available for some time, have only recently been fully analyzed. These include a draft of the lead paper typewritten by Popovic which contains handwritten changes made to it by Gallo.[7] This draft was the key evidence used in the above described inquiries to establish that Gallo had concealed his laboratory's use of a cell culture sample (known as LAV) which it received from the Institut Pasteur.  These earlier inquiries verified that the typed manuscript draft was produced by Popovic who had carried out the recorded experiment while his laboratory chief, Gallo, was in Europe and that, upon his return, Gallo changed the document by hand a few days before it was submitted to Science on March 30, 1984. According to the ORI investigation, “Dr. Gallo systematically rewrote the manuscript for what would become a renowned LTCB [Gallo's laboratory at the National Cancer Institute] paper.”[5]  This document provided the important evidence that established the basis for awarding Dr. Luc Montagnier and Dr. Francoise Barré-Sinoussi the 2008 Nobel Prize in Medicine for the discovery of the AIDS virus by proving it was their samples of LAV that Popovic used in his key experiment. The draft reveals that Popovic had forthrightly admitted using the French samples of LAV renamed as Gallo's virus, HTLV-III, and that Gallo had deleted this admission, concealing their use of LAV.  However, it has not been previously reported that on page three of this same document Gallo had also deleted Popovic's unambiguous statement that, "Despite intensive research efforts, the causative agent of AIDS has not yet been identified,” replacing it in the published paper with a statement that said practically the opposite, namely, “That a retrovirus of the HTLV family might be an etiologic agent of AIDS was suggested by the findings.”  It is clear that the rest of Popovic's typed paper is entirely consistent with his statement that the cause of AIDS had not been found, despite his use of the French LAV. Popovic's final conclusion was that the culture he produced “provides the possibility” for detailed studies. He claimed to have achieved nothing more. At no point in his paper did Popovic attempt to prove that any virus caused AIDS, and it is evident that Gallo concealed these key elements in Popovic's experimental findings.  It is astonishing now to discover these unreported changes to such a seminal document. We can only assume that Gallo's alterations of Popovic's conclusions were not highlighted by earlier inquiries because the focus at the time was on establishing that the sample used by Gallo's lab came from Montagnier and was not independently collected by Gallo. In fact, the only attention paid to the deletions made by Gallo pertains to his effort to hide the identity of the sample. The questions of whether Gallo and Popovic's research proved that LAV or any other virus was the cause of AIDS were clearly not considered.  Related to these questions are other long overlooked documents that merit your attention. One of these is a letter from Dr. Matthew A. Gonda, then Head of the Electron Microscopy Laboratory at the National Cancer Institute, which is addressed to Popovic, copied to Gallo and dated just four days prior to Gallo's submission to Science.[8] In this letter, Gonda remarks on samples he had been sent for imaging because “Dr Gallo wanted these micrographs for publication because they contain HTLV.” He states, “I do not believe any of the particles photographed are of HTLV-I, II or III.” According to Gonda, one sample contained cellular debris, while another had no particles near the size of a retrovirus. Despite Gonda's clearly worded statement, Science published on May 4, 1984 papers attributed to Gallo et al with micrographs attributed to Gonda and described unequivocally as HTLV-III.  In another letter by Gallo, dated one day before he submitted his papers to Science, Gallo states, “It's extremely rare to find fresh cells [from AIDS patients] expressing the virus... cell culture seems to be necessary to induce virus,” a statement which raises the possibility he was working with a laboratory artifact. [9]  Included here are copies of these documents and links to the same. The very serious flaws they reveal in the preparation of the lead paper published in your journal in 1984 prompts our request that this paper be withdrawn. It appears that key experimental findings have been concealed. We further request that the three associated papers published on the same date also be withdrawn as they depend on the accuracy of this paper.  For the scientific record to be reliable, it is vital that papers shown to be flawed, or falsified be retracted. Because a very public record now exists showing that the Gallo papers drew unjustified conclusions, their withdrawal from Science is all the more important to maintain integrity. Future researchers must also understand they cannot rely on the 1984 Gallo papers for statements about HIV and AIDS, and all authors of papers that previously relied on this set of four papers should have the opportunity to consider whether their own conclusions are weakened by these revelations.      Gallo's handwritten revision, submitted without his colleague's knowledge despite multiple experiments that failed to support the new conclusion, was the sole foundation for the HIV=AIDS hypothesis. Had Science published the manuscript the way Popovic had typed it, there would be no AIDS “pandemic” - merely small clusters of people with AIDS. Without a viral hypothesis backing the development of expensive and deadly pharmaceuticals, would Fauci have allowed these patients to learn about the cure that existed all along?   Faced with a potential rebellion, Fauci marshaled the full resources under his control to squelch the publication of the investigations into Gallo and restrict any discussion of competing hypotheses in the scientific and mainstream press, which had been running virus-scare stories full-time since 1984. The effect was total, according to biochemist Dr. Kary Mullis, inventor of the polymerase chain reaction (PCR) procedure. In a 2009 interview, Mullis recalled his own shock when he attempted to unearth the experimental basis for the HIV=AIDS hypothesis. Despite his extensive inquiry into the literature, “there wasn't a scientific reference…[that] said ‘here's how come we know that HIV is the probable cause of AIDS.' There was nothing out there like that.”9 This yawning void at the core of HIV/AIDS “science" turned him into a strident critic of AIDS dogma - and those views made him persona non grata where the scientific press was concerned, suddenly unable to publish a single paper despite having won the Nobel Prize for his invention of the PCR test just weeks before.  10   DISSENT BECOMES “DENIAL”   While many of those who dissent from the orthodox HIV=AIDS view believe HIV plays a role in the development of AIDS, they point to lifestyle and other co-factors as being equally if not more important. Individuals who test positive for HIV can live for decades in perfect health - so long as they don't take AZT or the other toxic antivirals fast-tracked by Fauci's NIAID - but those who developed full-blown AIDS generally engaged in highly risky behaviors like extreme promiscuity and prodigious drug abuse, contracting STDs they took large quantities of antibiotics to treat, further running down their immune systems. While AIDS was largely portrayed as a “gay disease,” it was only the “fast track” gays, hooking up with dozens of partners nightly in sex marathons fueled by “poppers” (nitrate inhalants notorious for their own devastating effects on the immune system), who became sick. Kaposi's sarcoma, one of the original AIDS-defining conditions, was widespread among poppers-using gay men, but never appeared among IV drug users or hemophiliacs, the other two main risk groups during the early years of the epidemic. Even Robert Gallo himself, at a 1994 conference on poppers held by the National Institute on Drug Abuse, would admit that the previously-rare form of skin cancer surging among gay men was not primarily caused by HIV - and that it was immune stimulation, rather than suppression, that was likely responsible.11 Similarly, IV drug users are often riddled with opportunistic infections as their habit depresses the immune system and their focus on maintaining their addiction means that healthier habits - like good nutrition and even basic hygiene - fall by the wayside.    Supporting the call for revising the HIV=AIDS hypothesis to include co-factors is the fact that the mass heterosexual outbreaks long predicted by Fauci and his ilk in seemingly every country on Earth have failed to materialize, except - supposedly - in Africa, where the diagnostic standard for AIDS differs dramatically from those of the West. Given the prohibitively high cost of HIV testing for poor African nations, the WHO in 1985 crafted a diagnostic loophole that became known as the “Bangui definition,” allowing medical professionals to diagnose AIDS in the absence of a test using just clinical symptoms: high fever, persistent cough, at least 30 days of diarrhea, and the loss of 10% of one's body weight within two months. Often suffering from malnutrition and without access to clean drinking water, many of the inhabitants of sub-Saharan Africa fit the bill, especially when the WHO added tuberculosis to the list of AIDS-defining illnesses in 1993 - a move which may be responsible for as many as one half of African “AIDS” cases, according to journalist Christine Johnson. The WHO's former Chief of Global HIV Surveillance, James Chin, acknowledged their manipulation of statistics, but stressed that it was the entire AIDS industry - not just his organization - perpetrating the fraud. “There's the saying that, if you knew what sausages are made of, most people would hesitate to sort of eat them, because they wouldn't like what's in it. And if you knew how HIV/AIDS numbers are cooked, or made up, you would use them with extreme caution,” Chin told an interviewer in 2009.12   With infected numbers stubbornly remaining constant in the US despite Fauci's fearmongering projections of the looming heterosexually-transmitted plague, the CDC in 1993 broadened its definition of AIDS to include asymptomatic (that is, healthy) HIV-positive people with low T-cell counts - an absurd criteria given that an individual's T-cell count can fluctuate by hundreds within a single day. As a result, the number of “AIDS cases” in the US immediately doubled. Supervised by Fauci, the NIAID had been quietly piling on diseases into the “AIDS-related” category for years, bloating the list from just two conditions - pneumocystis carinii pneumonia and Kaposi's sarcoma - to 30 so fast it raised eyebrows among some of science's leading lights. Deeming the entire process “bizarre” and unprecedented, Kary Mullis wondered aloud why no one had called the AIDS establishment out: “There's something wrong here. And it's got to be financial.”13   Indeed, an early CDC public relations campaign was exposed by the Wall Street Journal in 1987 as having deliberately mischaracterized AIDS as a threat to the entire population so as to garner increased public and private funding for what was very much a niche issue, with the risk to average heterosexuals from a single act of sex “smaller than the risk of ever getting hit by lightning.” Ironically, the ads, which sought to humanize AIDS patients in an era when few Americans knew anyone with the disease and more than half the adult population thought infected people should be forced to carry cards warning of their status, could be seen as a reaction to the fear tactics deployed by Fauci early on.14   It's hard to tell where fraud ends and incompetence begins with Gallo's HIV antibody test. Much like Covid-19 would become a “pandemic of testing,” with murder victims and motorcycle crashes lumped into “Covid deaths” thanks to over-sensitized PCR tests that yielded as many as 90% false positives,15 HIV testing is fraught with false positives - and unlike with Covid-19, most people who hear they are HIV-positive still believe they are receiving a death sentence. Due to the difficulty of isolating HIV itself from human samples, the most common diagnostic tests, ELISA and the Western Blot, are designed to detect not the virus but antibodies to it, upending the traditional medical understanding that the presence of antibodies indicates only exposure - and often that the body has actually vanquished the pathogen. Patients are known to test positive for HIV antibodies in the absence of the virus due to at least 70 other conditions, including hepatitis, lupus, rheumatoid arthritis, syphilis, recent vaccination or even pregnancy. (https://www.chcfl.org/diseases-that-can-cause-a-false-positive-hiv-test/) Positive results are often followed up with a PCR “viral load” test, even though the inventor of the PCR technique Kary Mullis famously condemned its misuse as a tool for diagnosing infection. Packaging inserts for all three tests warn the user that they cannot be reliably used to diagnose HIV.16 The ELISA HIV antibody test explicitly states: “At present there is no recognized standard for establishing the presence and absence of HIV antibody in human blood.”17   That the public remains largely unaware of these and other massive holes in the supposedly airtight HIV=AIDS=DEATH paradigm is a testament to Fauci's multi-layered control of the press. Like the writers of the Great Barrington Declaration and other Covid-19 dissidents, scientists who question HIV/AIDS dogma have been brutally punished for their heresy, no matter how prestigious their prior standing in the field and no matter how much evidence they have for their own claims. In 1987, the year the FDA's approval of AZT made AIDS the most profitable epidemic yet (a dubious designation Covid-19 has since surpassed), Fauci made it clearer than ever that scientific inquiry and debate - the basis of the scientific method - would no longer be welcome in the American public health sector, eliminating retrovirologist Peter Duesberg, then one of the most prominent opponents of the HIV=AIDS hypothesis, from the scientific conversation with a professional disemboweling that would make a cartel hitman blush. Duesberg had just eviscerated Gallo's 1984 HIV paper with an article of his own in the journal Cancer Research, pointing out that retroviruses had never before been found to cause a single disease in humans - let alone 30 AIDS-defining diseases. Rather than allow Gallo or any of the other scientists in his camp to respond to the challenge, Fauci waged a scorched-earth campaign against Duesberg, who had until then been one of the most highly regarded researchers in his field. Every research grant he requested was denied; every media appearance was canceled or preempted. The University of California at Berkeley, unable to fully fire him due to tenure, took away his lab, his graduate students, and the rest of his funding. The few colleagues who dared speak up for him in public were also attacked, while enemies and opportunists were encouraged to slander Duesberg at the conferences he was barred from attending and in the journals that would no longer publish his replies. When Duesberg was summoned to the White House later that year by then-President Ronald Reagan to debate Fauci on the origins of AIDS, Fauci convinced the president to cancel, allegedly pulling rank on the Commander-in-Chief with an accusation that the “White House was interfering in scientific matters that belonged to the NIH and the Office of Science and Technology Assessment.” After seven years of this treatment, Duesberg was contacted by NIH official Stephen O'Brien and offered an escape from professional purgatory. He could have “everything back,” he was told, and shown a manuscript of a scientific paper - apparently commissioned by the editor of the journal Nature - “HIV Causes AIDS: Koch's Postulates Fulfilled” with his own name listed alongside O'Brien's as an author.18 His refusal to take the bribe effectively guaranteed the epithet “AIDS denier” will appear on his tombstone. The character assassination of Duesberg became a template that would be deployed to great effectiveness wherever Fauci encountered dissent - never debate, only demonize, deplatform and destroy.    Even Luc Montagnier, the real discoverer of HIV, soon found himself on the wrong side of the Fauci machine. With his 1990 declaration that “the HIV virus [by itself] is harmless and passive, a benign virus,” Montagnier began distancing himself from Gallo's fraud, effectively placing a target on his own back. In a 1995 interview, he elaborated: “four factors that have come together to account for the sudden epidemic [of AIDS]: HIV presence, immune hyper-activation, increased sexually transmitted disease incidence, sexual behavior changes and other behavioral changes” such as drug use, poor nutrition and stress - all of which he said had to occur “essentially simultaneously” for HIV to be transmitted, creating the modern epidemic. Like the professionals at the Tri-State Healing Center, Montagnier advocated for the use of antioxidants like vitamin C and N-acetyl cysteine, naming oxidative stress as a critical factor in the progression from HIV to AIDS.19 When Montagnier died in 2022, Fauci's media mouthpieces sneered that the scientist (who was awarded the Nobel Prize in 2008 for his discovery of HIV, despite his flagging faith in that discovery's significance) “started espousing views devoid of a scientific basis” in the late 2000s, leading him to be “shunned by the scientific community.”20 In a particularly egregious jab, the Washington Post's obit sings the praises of Robert Gallo, implying it was the American scientist who really should have won the Nobel for HIV, while dismissing as “

Simon delves into the crucial distinctions between HMO (House in Multiple Occupation) licensing and planning conditions, emphasising their separate roles in property investment. Simon highlights the importance of creating high-end co-living spaces to attract better tenants and maximise income. He explains the licensing requirements for HMOs, including the number of unrelated occupants and room size regulations, while also addressing safety standards that must be met. Additionally, Simon discusses the complexities of planning permissions, particularly in areas with Article 4 directions, and offers insights on how to navigate these challenges effectively. KEY TAKEAWAYS It's crucial to differentiate between HMO licensing and planning conditions, as they are separate aspects of managing HMO properties. Licensing pertains to the number of unrelated tenants, while planning relates to the classification of the property. Generally, a property needs a license if it houses five or more unrelated individuals, but some councils may require a license for three or more. Always check local council regulations for specific requirements. Minimum room sizes for licensed HMOs vary by council. The national guideline for single rooms is 6.51 square meters, but some councils may require larger sizes. It's essential to verify these requirements to avoid issues when applying for a license. In areas with an Article 4 direction, converting a C3 residential property to a C4 HMO requires planning permission. However, if the concentration of HMOs is below a certain threshold (e.g., 20%), it may still be possible to obtain permission. BEST MOMENTS "If you're going to do HMOs, it's very important to make sure you do high-level, co-living HMOs." "A lot of councils interpret the HMO licensing rules in their own way... some councils take the strict definition of an HMO." "If you have an en suite where the room has its own private shower, toilet and hand basin, the space for the en suite does not count towards the floor space of the room." "In many areas, there is an oversupply of the very average HMOs I talked about earlier on." VALUABLE RESOURCES To learn more about how you can add profitable HMOs to your portfolio, register here to join online training with Simon https://property.isrefer.com/go/3-5PF/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.

Listen to 'English on Repeat,' a podcast to help us improve our speaking skills: What day do the bins get emptied?| Which bin goes out tonight?| There are activities at the community centre. | Our library has English classes. - Mloog tau cov sob kawm ntawv Askiv uas rov qab kawm dua ib zaug ntxiv 'English on Repeat,' uas yog ib co sob kawm kaw ua suab pab kom peb haus tau lus Askiv zoo tuaj ntxiv. Toom sob kawm no tham txog tias 'What day do the bins get emptied? (Hnub twg mam thauj khoom seem txeej?/khib nyiab?)| Which bin goes out tonight? (Hmo no yuav cab lub thoob seem txheej twg?)|There are activities at the community centre (Muaj ntau yam rau sawv daws koom ntawm zejzog lub koom haum).|Our library has English classes (Peb tej chaw khaws ntawv muaj tej chav qhia ntawv Askiv).

I detta avsnitt summerar vi 2024 – vi går igenom statistik, marknadsinsikter och delar med oss av personliga reflektioner. Häng med!Se våra pågående renoveringar på YouTube https://youtu.be/Kja0fRa8ajk?si=ArkuqP5PsfcVROugVill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-december-10939404Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

In this month's Deals Deals Deals podcast, we welcome back David France who was last on episode 175 on 1st October 2023, to go through how he uses auctions within his business.    Dave is based in the Lake District and was previously a joiner before getting involved in property sourcing. He is now in his 2nd year on Property Entrepreneur Advanced and has used the Blueprints to systematise his business so that he can focus on working on the high value activities he enjoys.    Dave has four businesses, a sourcing company, a training company helping people to source property, his property portfolio and the auction business.    We discuss four of the deals they have just sold within auction, how they found the deals, the location and types of properties and the reasons why they were being sold in auction. There was also a deal they had bought for cash and sold in a London auction through insurance bidding.   The numbers: West Sussex 4 bed detached, sold at £665k with £40k fee London 2 bed flat that had failed to sell with national company, sold £380k with £21k fee Oxford 3 bed HMO with title issues sold for £230k with £20k fee A property they bought for £95k and sold immediately to an insurance bidder for £125k   Combined fees of £111k    Want to contact Mark or his guests?   www.thepropertybrokerage.co.uk mark@thepropertybrokerage.co.uk   David France david@fastpropertypartners.com  

Simon tackles six common myths surrounding Houses of Multiple Occupation (HMOs), a highly profitable property investment strategy, beginning by debunking the misconception that everyone is investing in HMOs, revealing that 82% of rental properties in the UK are single lets. Simon stresses the importance of creating high-end co-living spaces rather than average HMOs to attract discerning tenants and reduce void periods. Other myths addressed include the perceived high workload of managing HMOs, the financial barriers to entry, and the challenges posed by Article 4 planning restrictions. KEY TAKEAWAYS While many believe that everyone is doing HMOs, 82% of rental properties in the UK are single lets. The perception of oversupply often comes from networking environments where HMOs are more commonly discussed. The focus should be on creating high-end co-living HMOs rather than average ones. These properties foster a community atmosphere, leading to lower void periods and the ability to charge higher rents. Although managing an HMO with multiple tenants may seem more work than a single let, the potential profit from an HMO can justify the effort. One HMO can be less time-consuming than managing multiple single lets, especially when considering the option to hire management. There are various strategies to enter the HMO market without needing significant upfront capital. Options include rent-to-rent agreements, purchase lease options, and vendor financing, which can allow investors to leverage other people's money. Concerns about obtaining licenses for HMOs can be alleviated by understanding the requirements. As long as the landlord is deemed fit and proper and the property meets safety standards, obtaining a license is generally straightforward. Additionally, properties in Article 4 areas can still be converted to HMOs with the right planning permissions. BEST MOMENTS "82% of rental properties in the UK are single let properties... I promise you that is definitely not the case." "When you have a high-end co-living HMO, people are really coming into a community... they want to be in this community." "If you compared maybe five single let properties... I would suggest the one HMO actually is a less time input." "You can absolutely pick up properties in an Article 4 area and still use HMOs as long as you follow the rules." "As long as you follow those guidelines... you should be able to get your HMO license, which typically lasts five years." VALUABLE RESOURCES To learn more about how you can add profitable HMOs to your portfolio, register here to join online training with Simon https://property.isrefer.com/go/3-5PF/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.

In this revelatory episode, I am joined by Dr. Don, a seasoned physician with four decades of experience, hailing from California. Over the course of his distinguished career, he has witnessed firsthand the profound harm wrought by the rise of centralized medicine—harm that, tragically, he himself contributed to through his involvement with a large HMO in the state. Now, with a deepened awareness of the devastating impact this system has had on countless patients, Dr. Don has dedicated himself to righting these wrongs. His mission is nothing less than to undo the damage done and prevent further suffering. As part of his crusade, he is exploring the possibility of a class action lawsuit against these powerful HMOs for their decades-long history of malpractice, neglect, and the dissemination of false information. Join us for an engaging and meticulously detailed conversation, in which Dr. Don offers a sobering critique of the current medical landscape. His insights are not only a call to action but also an invitation to consider what we, as individuals and as a society, can do to transform a system that has long been broken. Don't miss this compelling and thought-provoking discussion—one that may well inspire you to become an agent of change within the healthcare system. Don't forget to like and subscribe to the Plant Free MD channel for more informative and inspiring content!   ✅ Dr Chaffee's website: www.thecarnivorelife.com ✅Join my PATREON for early releases, bonus content, and weekly Zoom meetings! https://www.patreon.com/AnthonyChaffeeMD ✅Sign up for our 30-day carnivore challenge and group here! https://www.howtocarnivore.com/ ✅Stockman Steaks, Australia Discount link for home delivered frozen grass-fed and grass finished pasture raised meat locally sourced here in Australia! Use discount code "CHAFFEE" for free gift with qualifying orders! http://www.stockmansteaks.com.au/chaffee ✅ 60-minute consultation with Dr Chaffee https://calendly.com/anthonychaffeemd/60-minute-consultation   Sponsors and Affiliates: ✅ Brand Ambassador for Stone and Spear tallow and soaps referral link https://www.stoneandspeartallow.com/?ref=gx0gql8b Discount Code "CHAFFEE" for 10% off ✅ Carnivore t-shirts from the Plant Free MD  www.plantfreetees.com ✅THE CARNIVORE BAR: Discount Code "Anthony" for 10% off all orders!   https://the-carnivore-bar.myshopify.com/?sca_ref=1743809.v3IrTuyDIi ✅Schwank Grill (Natural Gas or Propane) https://glnk.io/503n/anthonychaffeemd $150 OFF with Discount Code: ANTHONYMD ✅X3 bar system with discount code "DRCHAFFEE" https://www.kqzyfj.com/click-100676052-13511487 ✅Cerule Stem cells https://DrChaffee.cerule.com ✅CARNIVORE CRISPS: Discount Code "DRCHAFFEEMD" for 10% off all orders! www.carnivorecrisps.com ✅Shop Amazon https://www.amazon.com/shop/anthonychaffeemd?ref=ac_inf_hm_vp   And please like and subscribe to my podcast here and Apple/Google podcasts, as well as my YouTube Channel to get updates on all new content, and please consider giving a 5-star rating as it really helps!   This podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast or materials linked from this podcast is at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Users should not disregard or delay in obtaining medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. Music Credit: Music by: bensound.com License code: MPTEUCI8DAXJOKPZ Music: bensound.com License code: FJQPPMCJLHEOYGQB Music: Bensound.com/royalty-free-music License code: KQAKMWSXIH3MJ4WX Music I use: https://www.bensound.com License code: 58NN4QOSKWJ7ASX9   

This week Russ talks with Dr. Robert Ramsey who runs the Facebook group Dentistry Gone Wild which offers a humorous non-political take on dentistry that we all often need in the world of dental facebook.  We talk for the hour about Robert's journey from JnJ to dentistry, and why we both left Corporate America to go do dentistry.  Robert talks about the DSOs he works for and his experience doing HMO dentistry (spoiler alert: it isn't all that bad).  Finally we discuss refunds and specialists.  

Host: David Rosenblum, MD Guest: Phillip Kim, MD Date: January 24, 2025 Time: 6:30 AM Episode Summary: In this episode of the PainExam Podcast, Dr. David Rosenblum engages with Dr. Phillip Kim to discuss the Federation Pain Care Access, a newly formed organization advocating for improved access to interventional pain treatments. The episode delves into the challenges posed by restrictive insurance coverage policies and the collaborative efforts needed to address these issues effectively. Key Discussion Points: -Introduction to Federation Pain Care Access: A new entity focused on advocating for emergent and standard care in interventional pain treatments, aiming to enhance access through advocacy and legislative solutions. - Impact of Restrictive Policies: Dr. Kim highlights how insurance carriers like Evicor, AIM, and Optum impose restrictive coverage policies that harm patients and practitioners, particularly amid the ongoing opioid epidemic.AIM, Optum and Evicore are not insurance carriers. these are separate entities which oversee utilization management and prior auth requests for insurance carriers (HMO, TPA's etc) e g. BCBS plans, UHS etc. Prior Authorization Challenges: Discussion on the AMA 2022 Prior Authorization Physician Survey, which indicates significant negative impacts on patient care due to prior authorization processes. - Case Studies: Dr. Kim shares specific cases where patients faced harm due to denied claims, including issues related to medical cannabis and necessary medical equipment.   - Collaboration with Medical Societies: The Federation works alongside various pain societies and stakeholders to address common concerns and push for better coverage policies. - Future Goals Plans for meetings with CMS and Medicare Administrative Contractors (MACs) regarding specific treatments like SI joint radiofrequency ablation, aiming to improve coverage and access.   Fundraising and Outreach: The Federation seeks to grow its membership and funding through outreach to allied health professionals and patient care groups while launching a media campaign to raise awareness of patient struggles  Legal and Advocacy Efforts: Emphasis on the need for legal considerations in advocacy efforts and the importance of public support in achieving the Federation's goals. - The No Pain Act: Discussion on recent legislation aimed at expanding access to non-opioid treatments and alternatives for chronic pain management. Guest Bio: Phillip Kim, MD is a leading advocate for pain care access and a founding member of the Federation Pain Care Access. He brings extensive experience in managing chronic pain patients and navigating healthcare policies. Resources  Federation Pain Care Access Website:  https://www.painfed.org # board Listeners are encouraged to support the Federation Pain Care Access by visiting their website to learn more about their initiatives and consider contributing to help advance their mission. Join Dr. Rosenblum and Dr. Kim in this vital conversation about the ongoing efforts to improve pain care access and the importance of collaboration in overcoming the challenges faced by patients and healthcare providers.   Long island based anesthesiologist, David Rosenblum, MD, is one of the first interventional pain physicians in the country to integrate ultrasound guidance into his pain practice. Since 2007, he has been an international leader in the treatment of chronic pain. He has helped countless of patients suffering from back, neck, knee, shoulder, hip joint pain and has been at the forefront of regenerative pain medicine, minimally invasive pain therapies and medical education.  Patients can schedule a consultation by going to  www.AABPpain.com or calling: Brooklyn Office 718 436 7246 Garden City Office 516 482 7246

Host: David Rosenblum, MD Guest: Phillip Kim, MD Date: January 24, 2025 Time: 6:30 AM Episode Summary: In this episode of the PainExam Podcast, Dr. David Rosenblum engages with Dr. Phillip Kim to discuss the Federation Pain Care Access, a newly formed organization advocating for improved access to interventional pain treatments. The episode delves into the challenges posed by restrictive insurance coverage policies and the collaborative efforts needed to address these issues effectively. Key Discussion Points: -Introduction to Federation Pain Care Access: A new entity focused on advocating for emergent and standard care in interventional pain treatments, aiming to enhance access through advocacy and legislative solutions. - Impact of Restrictive Policies: Dr. Kim highlights how insurance carriers like Evicor, AIM, and Optum impose restrictive coverage policies that harm patients and practitioners, particularly amid the ongoing opioid epidemic. AIM, Optum and Evicore are not insurance carriers. these are separate entities which oversee utilization management and prior auth requests for insurance carriers (HMO, TPA's etc) e g. BCBS plans, UHS etc. Prior Authorization Challenges: Discussion on the AMA 2022 Prior Authorization Physician Survey, which indicates significant negative impacts on patient care due to prior authorization processes. - Case Studies: Dr. Kim shares specific cases where patients faced harm due to denied claims, including issues related to medical cannabis and necessary medical equipment.   - Collaboration with Medical Societies: The Federation works alongside various pain societies and stakeholders to address common concerns and push for better coverage policies. - Future Goals Plans for meetings with CMS and Medicare Administrative Contractors (MACs) regarding specific treatments like SI joint radiofrequency ablation, aiming to improve coverage and access.   Fundraising and Outreach: The Federation seeks to grow its membership and funding through outreach to allied health professionals and patient care groups while launching a media campaign to raise awareness of patient struggles  Legal and Advocacy Efforts: Emphasis on the need for legal considerations in advocacy efforts and the importance of public support in achieving the Federation's goals. - The No Pain Act: Discussion on recent legislation aimed at expanding access to non-opioid treatments and alternatives for chronic pain management. Guest Bio: Phillip Kim, MD is a leading advocate for pain care access and a founding member of the Federation Pain Care Access. He brings extensive experience in managing chronic pain patients and navigating healthcare policies. Resources  Federation Pain Care Access Website:  https://www.painfed.org # board Listeners are encouraged to support the Federation Pain Care Access by visiting their website to learn more about their initiatives and consider contributing to help advance their mission. Join Dr. Rosenblum and Dr. Kim in this vital conversation about the ongoing efforts to improve pain care access and the importance of collaboration in overcoming the challenges faced by patients and healthcare providers.   Long island based anesthesiologist, David Rosenblum, MD, is one of the first interventional pain physicians in the country to integrate ultrasound guidance into his pain practice. Since 2007, he has been an international leader in the treatment of chronic pain. He has helped countless of patients suffering from back, neck, knee, shoulder, hip joint pain and has been at the forefront of regenerative pain medicine, minimally invasive pain therapies and medical education.  Patients can schedule a consultation by going to  www.AABPpain.com or calling: Brooklyn Office 718 436 7246 Garden City Office 516 482 7246

Let's talk about sex, literally! Hadassah sex expert, nurse, and tenured senior lecturer Dr. Anna Woloski Wruble leads our conversation about sexual health and intimacy for older adults as we age on the newest episode.

This is the story of how Kerry Wordley bounced back from losing her job in TV production by developing her obsession for property investment. Over the past couple of years her HMO passion has led to a booming portfolio in Stoke on Trent, giving her career freedom that never previously existed. And it all started from a single project!  ********************Welcome to the Inside Property Investing Podcast with Mike Stenhouse. You're in the right place if you're looking for practical advise and inspiring stories to help you build a thriving property investment business and create more freedom in your own life.Register now for our free 2025 HMO Training Series (starts January 23rd) >>See what we've got going on right now to help you succeed - https://go.insidepropertyinvesting.com/podcast-links Get more advice and inspiration on your favourite platforms:Instagram: @InsidePropertyInvestingYoutube: Inside Property InvestingFacebook: Inside Property InvestingNewsletter: InsidePropertyInvesting.com

In this episode I head up to Gateshead to visit Ben Allan as he completes his first HMO conversion, following the advice and support from our Inside HMO Investing programme. Starting with a hands-on approach, Ben shares how his background as a joiner helped him tackle nearly every aspect of the renovation himself—saving money, building confidence, and creating a high-yielding property.We discuss the challenges he faced, from navigating stressful bridging loans to uncovering hidden surprises in the property, and how he maintained focus on his goal of achieving financial freedom for his growing family.With a 40% ROI and tenants moving in just weeks after completion, Ben's journey is packed with lessons on managing timelines, choosing the right projects, and deciding when sweat equity is worth it. ********************Welcome to the Inside Property Investing Podcast with Mike Stenhouse. You're in the right place if you're looking for practical advise and inspiring stories to help you build a thriving property investment business and create more freedom in your own life.Register now for our free 2025 HMO Training Series (starts January 23rd) >>See what we've got going on right now to help you succeed - https://go.insidepropertyinvesting.com/podcast-links Get more advice and inspiration on your favourite platforms:Instagram: @InsidePropertyInvestingYoutube: Inside Property InvestingFacebook: Inside Property InvestingNewsletter: InsidePropertyInvesting.com

One of the most rewarding use-cases of AI is providing access of life changing services to minority populations who are underserved. Nowhere is this more true than in the medical field, and specifically in the quote-unquote niche field of LGBTQ Health. Today's guest is Dr. Roy Zucker, Director of LGBTQ Health Services at Clalit, Israel's biggest HMO and chairman of the Israeli LGBTQ medical association. We chat about the state of LGBTQ medicine in Israel, difficulties for LGBTQ patients trying to seek access to services and what his vision is for using AI to improve LGBTQ healthcare. We discuss how doctors need to adapt to the AI age, and the fact that AI chatbots can provide safe spaces and be more compassionate or with less judgement to LGBTQ patients and give them services, as well as using AI for harm reduction in drug use and how that relates to getting past the safeguards of public Generative AI.

Liz & Becca sit down with Madeline Lauf, founder and CEO of Begin Health, to tackle a topic every parent should hear—kids' gut health. Madeline shares her personal journey of overcoming lifelong constipation and how it inspired her to create innovative solutions for children's digestive health. They discuss the role of prebiotics, human milk oligosaccharides (HMO), and the critical early years for building a strong gut microbiome. From resolving constipation naturally to supporting immunity and nutrient absorption, this episode is packed with practical advice to help your littles thrive. Connect with Madeline: Instagram | LinkedIn | Web

‍How can you transform problem-solving into an art in your practice?In this Monday Morning Episode, we welcome Dr. Pauline Le, who provides a fresh perspective on common dental practice challenges. Dr. Le reveals how universal these challenges are and how essential it is for businesses to identify and candidly discuss them. With a focus on collaborative environments, she delves into the power of professional groups and demystifies the often-tricky realm of team dynamics.Dr. Le breaks down the renowned three-step problem-solving process from the book "Traction," offering listeners a foolproof approach to untangling business issues. By fostering an environment where discussing issues is not only encouraged but expected, businesses can distinguish between personal and professional problems and maintain focus on solutions. With actionable tips on nurturing a transparent culture and keeping an up-to-date issues list, Pauline's advice is invaluable for practice owners seeking to empower their teams and effectively address persistent hurdles.What You'll Learn in This Episode:Strategies for tackling common business issues in dental practices.The significance of open discussions in resolving workplace challenges.Benefits of joining professional groups and improving team dynamics.How to implement the three-step "Traction" process for problem-solving.Techniques for creating a safe environment for issue discussions.Understanding personal versus company issues in a business setting.Importance of maintaining a consistent issues list for effective meetings.Tune in now to uncover transformative strategies for overcoming dental practice challenges with Dr. Pauline Le!‍‍Sponsors:‍‍Oryx: All-In-One Cloud-Based Dental Software Created by Dentists for Dentists. Patient engagement, clinical, and practice management software that helps your dental practice grow without compromise. Click or copy and paste the link here for a special offer! https://thedentalmarketer.lpages.co/oryx/‍You can reach out to Dr. Pauline Le here:Website: ledentalspa.comInstagram: instagram.com/drpaulineleOther Mentions and Links:‍Books:Traction: Get a Grip on Your Business‍Software:ClickUp‍If you want your questions answered on Monday Morning Episodes, ask me on these platforms:My Newsletter: https://thedentalmarketer.lpages.co/newsletter/The Dental Marketer Society Facebook Group: https://www.facebook.com/groups/2031814726927041‍Episode Transcript (Auto-Generated - Please Excuse Errors)‍Michael: Hey, Pauline, so talk to us. What's one piece of advice you can give us this Monday morning? Pauline: I would say that we all have issues. Michael: Interesting. Can you expand on that a little bit more? What do you mean? Pauline: In any business, we all have the same exact issues and the sooner you will admit that you have issues and identify them, we can discuss them and we can solve them.That's Michael: Okay, so then many practice owners feel they have challenges that are one of a kind, right? at what point did you realize that the issues you were facing were not unique to your practice? And then how did this change your approach to solving those issues?Pauline: When I started joining different groups of other dentists, other practice owners, and a lot of the Facebook groups are really helpful. I just started seeing a trend where people were posting the same questions, the same issues, the same problems and grateful for this community, right? But what I was finding was some of these groups can become where people are just coming in to vent and they weren't necessarily actually solving the problem.issues. So that's when I started noticing that, okay, it's the same recurrent problems. And I grew up where my parents owned businesses. And although different businesses than mine I started seeing things parallel, people have the same complaints, whether it be about patients. People, your team or procedures, right?So processes people always end up having the same types of issues in whatever business they have. So I just started seeing things parallel. Michael: Interesting. So then in these groups specifically, what were some of the things where you feel like. Man, you're just venting like this is a common thread where people just vent and vent and vent Pauline: I think the most common one lately has been what they can't find hygienists.They can't find quote unquote good people good employees It's the same vent. It's the same complaint that all business owners want to fall victim to Michael: Let's just talk about that, fixing that specific problem that everybody's complaining about. I can't find a hygienist or a team member.Pauline: in the general idea of issues, first off, I think it's a mindset thing. We need to own that. We all have issues. Every single one of our businesses will have issues and we should actually welcome them and we should foster a culture where your team can openly talk about issues, right?It's not a safe environment to bring things up, then you're just going to have an ongoing nagging to do list or unresolved issues. And that's just going to slow down the growth of your business. So the sooner you can build this. Culture, and it starts with your leadership team of having open, honest conversations about issues.The sooner you can actually solve them and save energy, save time. So when it comes to issues, there are three main steps that we take here at Laudanusvall, and we learned it from the book Traction. So first step is you want to identify the issue. And really every single business. There's really three main types of issues.it's either going to be a true problem that actually needs to be solved, it can be information that needs to be communicated or agreed upon by the team or an idea and opportunity that needs feedback, brainstorming or insight, right?And once you actually identify the issue, then you can move on to the next step where you discuss it. This is where you're probably going to spend the most time in your meetings is discussing the actual issue. And then when you are discussing, you'll find that sometimes you go off on tangents and then sometimes other issues.arise from these discussions. So it is really important to foster a culture where you can talk about issues, but you can also say, tangent alert, or can we put a pin in that? Or can we just list it on our issues list and then get back to it, right? So it's not gearing you away from discussing that one issue that was first brought up.And then, You would go into solving the issue. So this is the main point, why we should be having an issues list, right? Because we need to solve things and keep things moving. And what I find in these dentist groups and, you know, being around my other colleagues, is sometimes they don't actually want to solve things. Pauline: And sometimes people just want to vent or feel like okay, there's other people like me going through this, which, there is importance in that. But at the same time, we need to be leaders and we need to solve issues and keep things moving for the rest of our team and the rest of our practice.And you'll notice as you start solving issues, you don't want to make the mistake by solving just the very top issue down. You need to prioritize issues. So you'll notice that as you start solving the bigger issues that hold higher priority, your other issues below it start diminishing, start disappearing.Because really, you're already solving it when you solve the bigger issue and all these other things start being like, oh my gosh, that makes so much sense now. Okay, that already got resolved because we talked about this bigger issue. So I think regarding the hygiene problem that a lot of practices are having.identifying the actual issue, right? My issue might be different because I'm a fee for service office, might be very different than an office that is PPO or an office that's HMO. Even though the chief complaint would be we can't find a hygienist, Identifying the actual issue is going to be so different in each of our practices, So my practice we are a fee for service office, you know, we ask a lot from our team members because we deliver a very, patient centered type of care. We data collect, we scan, we are very thorough and comprehensive. So that's not for every hygienist out there, and so that goes into being very clear with your vision and your expectations and your hiring process is going to be a lot longer, than.most practices, I would say. So like I said, actually identifying the issue and then discussing it and then how you're going to solve it is going to be so different between the three different types of practices, even though the chief complaint is the same. Michael: interesting. Okay. So then if we rewind a little bit, you said you want to foster an environment where it's safe to discuss about issues.How do you know you're in an unsafe environment? Pauline: Based off feedback, right? So a lot of leadership. Isn't true leadership. I would say some practices. I think some business owners already know how they want to answer without even involving, I guess, their leadership team and discussing the actual issue. when people bring up ideas or they bring up An issue, like how you respond to it, is so important. If you shut down your team member or, you know, you're blaming it on them no one's going to want to keep coming to you with an issue then, because that's just how you're going to react.Versus We all make honest mistakes here and communication is the biggest of it all in order for us all align and be on the same page right where one person might be only looking at it from one viewpoint and another person might be looking at from a different viewpoint like oh my gosh I didn't even see that what you saw thing.by discussing it you're actually able to then solve it and that's really important. An open communication a safe environment talk about things versus oh you didn't do this. This wasn't done Versus the understanding the why maybe this happened or that happened And that's why the issue was there in the first place Michael: I like that.So let me paint you a scenario like we talked about hygiene, right? you ever had issues with like team members, Like a team member. All the time. Every single business. Yeah. So like let's just say team member A has an issue with team member D and you're listening. You're like, talk to me about team member D then team member A, right. and you're listening and stuff like that, but they continue to bring you with issues that team member D is I guess creating happening or whatever. Do you start prioritizing team member A saying like, Hey, We need to sit down all three of us and discuss and then team member D is like, I didn't even know there was something wrong.I'm sorry. I didn't know I was rubbing you the wrong way. And then, you know, when you confront it, it's like nothing's wrong. But then two days later, it's like something's wrong again. How do you handle that? Pauline: the first example you gave where team member A is. listing all these issues they're having with team member B, right?And then you're asking do we put us all three together to resolve these issues? I think You're making it now a personal problem versus every week we have department meetings and every team member is to bring An issue to the meeting and we have in our click up.a list. It's our quote unquote issues list and it may not necessarily be an issue. Like I said, it may just be an announcement. It may just be a discussion that we want to have that we were trying to resolve. If you don't. So comfortable bringing it to that meeting where it could be discussed whether it's operations meeting, sales meeting, admin meeting, then it doesn't really sound like it's a company issue then, right?And sometimes it may be very well a personal issue. Then that goes on to, okay, are we spending our resources and our company time resolving this when we're all adults here? Could they have resolved this on their own? Or is this actually a true company issue? If it's a true company issue, now what department does that lie under and what department is tackling that issue then?Michael: That makes a lot of sense. So then if it's a personal issue though, Isn't that just as much as a red flag? Cause it's like, Hey, there's no unity in the team. What the heck? how do you handle that? Pauline: So that now goes into like the people portion of your business, right? Like I said earlier, there's going to be like.Your patients, your people, and then like your processes, So now you're now going into the people portion, which is your team members, your employees. So that goes back to having the right people. So what does that mean? We use the people analyzer here and including me, the business owner, you should have your employees also rate you and analyze you as well.So they have to align with our core values. You have to define the metric that you want to analyze people on for that. We only have three core values, so you have to have all of them, not just two out of three or one out of three. So it has to be a plus or minus there. And we need pluses there.And then it goes from core values. It's either you get it, you want it, or you have the capacity to do it. And that's just now analyzing the person. Okay. Right In that position, and that will then start resolving a lot of that. And then you're able to remove that personal aspect out of it. So like when we have leaders, who are onboarding and training, and I see them getting frustrated with team member B, I asked them to start dissecting down.Is it any of the core values that they're having issues with? Or is it? They get the assignment, They get the job, they get the expectations, but do they want it? Some people don't want it, right? Going back to hygienist position in my practice, we scan every single patient here. Not every hygienist wants to do that, and that's okay, but we need to know that when we're hiring, right?And then do they have the capacity to do it? Okay, if I'm asking them to take x rays, scan, 2D photos, Am I giving them enough time in their appointment slot to do that, So that just now allows you to start dissecting all the different compartments of it versus just taking on this, Oh, this person doesn't want to do their job, or they're not, doing a great job.Then they start taking things personally, or she's giving me an attitude when I'm asking her to do this, right? It's okay. Well, Maybe they didn't get it. Did we lay out clear expectations? Of needing a scan on every single patient. Did we lay out clear expectations that I expect an updated scan every year?Was that on us? Did we clearly convey that? Did we communicate that? Okay, if they get it we communicate all that. So that part is checked off. Now, do they want it? And that was where, Okay. We identified the issue here the hygienist did not want to do that. So then it comes down that it's not oh, she's giving me attitude when I asked her to scan that becomes personal, right?Michael: Makes a lot of sense So then one of the last questions I want to ask you is when you guys are discussing the issue And you mentioned that lot of times we go on tangents, right? And you're like, Hey, tangent alert. Does that make the issue list grow? Is it an ever ending?Pauline: So there has to be a time limit for sure. So our meetings every week are only an hour. we start with a segue personal best business best five minutes. And then patient employee had headline five minutes and then rocks review five minutes. And then our issues list. the bulk of your meeting is going to be that issues list. And like you said, when you start going off tangents, it keeps growing, but you're not just like adding to your issues list and expecting to tackle it, that meeting. So throughout the week, for instance, let's say suction is down in room four.We're not just like. panicking and, alerting the rest of the team this is the issue. If it's something that needs to get resolved, but it can wait until the weekly meeting, put it on the issues list. And we know that it's going to be spoken about during our weekly meeting.So that issues list is constantly growing but it's also constantly getting resolved. And when we onboard people, we also have them like, Hey, go through our issues list that we've solved in the past, because the questions that you're having probably have already been asked and we've already discussed it and we've solved it.So go through and read all that because the same issues you're having, we once had as well. Michael: Awesome. Pauline. I appreciate your time. And if anyone has further questions, you can definitely find her on the dental marketer society, Facebook group, or where can they reach out to you directly? Pauline: My Instagram, Dr.Pauline Le. Michael: All right. That's going to be in the show notes below. And Pauline, thank you so much for being with me on this Monday morning episode. Pauline: You're so welcome. Happy Monday.