Podcasts about hmo

In today's episode, I'm joined by Will Whittaker - a construction expert and experienced builder - to pull back the curtain on what HMO projects really look like on the other side of the deal. What does a refurbishment or conversion look like from a builder's perspective, and where do investors most often get caught out?As you can imagine, I've got plenty of questions. I consider myself fairly experienced when it comes to buildings and refurbishments, but Will operates on another level entirely. If you're planning a refurb, a conversion, or an HMO project and you want to avoid delays, disappearing trades, and expensive surprises, this is an episode you don't want to miss.

A Kent woman who stole party food for her daughter's 18th birthday party after she ran out of cash has appeared in court. The single mother of three, who claims benefits, had hired a caravan to celebrate her eldest daughter's special day but had no money left for party food. Also in today's podcast, new technology has been rolled out across Maidstone in a bid to crack down on fly-tipping.Drones are helping council officers detect illegally dumped waste within minutes - a job that usually could take hours.Residents say it is “ridiculous” plans to turn a family home in a terraced street into a six-bedroom house of multiple occupation have been approved.The change of use application for the property in Strood was submitted to Medway Council earlier this year.The boss of a Kent music venue says he's hoping to buck the trend by opening a second site in the county.The team behind the Booking Hall in Dover are currently working on renovating what used to be the Life nightclub on Sittingbourne High Street.And we've been hearing how a team of therapy dogs have been spreading some Christmas cheer in Kent.The animals have been going round to hospital wards as part of a Medway Maritime initiative. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Your Property Network, Ant is joined by portfolio landlord and full-time property professional Rebecca Alcock, who shares her journey from corporate life as a Chartered Accountant to building a thriving, cash-flowing property business. Rebecca talks candidly about how she scaled a portfolio of 60 HMO rooms in Sheffield, why stability and predictability have shaped her strategy, and how her focus has evolved from aggressive cash flow to long-term capital appreciation. They explore HMOs vs blocks of flats, working within strict Article 4 areas, raising funds through private investors, and why simpler deals often outperform complex projects in the long run. The conversation also dives into the realities of leaving a well-paid corporate career, juggling family life, avoiding burnout, building a team, and creating a property business that supports lifestyle freedom — not stress. Whether you're starting out, scaling up, or considering the leap into property full-time, this episode is packed with practical insight, honest lessons, and real-world perspective. For more expert conversations, real deal breakdowns, specialist training and ongoing support, check out YPN+ — the low-cost, high-value alternative to expensive property courses. Get the tools, knowledge and community you need to invest with confidence at ypn.plus. Grab your FREE YPN Toolkit https://bit.ly/ypn-toolkit

Send us a textWe lay out a practical plan to turn property intentions into results with a focused inner circle, a nine-step blueprint, and clear accountability. We also share affordable paths for education, ethical deal flow, and a free masterclass to set goals for 2026.• year-end reflection and lessons from active HMO, SA, and social housing operations• how brokerage and education support investors and landlords with FRI leases and charity partners• why a small, selective mastermind accelerates progress with access and accountability• the nine-step master plan blueprint from life design to legacy• scorecards for weekly focus and measurable execution• application process, cohort locations in London and Sheffield• affordable options via the Education to Action community• free five-day goal setting masterclass to lock plans for 2026• invitation to connect at events and share goals for accountabilityApply here: thepropertyunleashed.com — click Inner Circle“Free Goal Setting Masterclass: Build Your Life In Five Days”“If you've enjoyed these episodes, leave us a five-star review”VALUABLE RESOURCES: Let me help you build your property business, Check out how I can support your investing now. Visit https://www.thepropertyunleashed.com/home My Property Investing Community called Property Education To Action, This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com Apply here: thepropertyunleashed.com — click Inner Circle “Free Goal Setting Masterclass: Build Your Life In Five Days” “If you've enjoyed these episodes, leave us a five-star review” https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald...

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney speaks with Jake Colwill, an experienced property investor and developer based in Bristol. Jake shares how he and his partner Lucy have built a smart, sustainable property business by flipping properties to generate capital, which they then reinvest into high-quality HMOs in premium southern markets. What You'll Learn:How flipping properties can fuel long-term investment in high-value areas.Why Jake and Lucy focus on tight geographic areas and niche property types.Smart strategies for sourcing off-market deals through relationships and persistence.The mechanics of high-end HMO investing in Article 4 areas, including planning and valuation tips.How to build and maintain a scalable, sustainable property business with clear strategic focus.Timestamps[02:39] - The Origins of Their Strategy[06:03] - Freehold Blocks and Title Splits[09:22] - Sourcing Off-Market Deals[16:02] - Structuring Their Business[19:01] - What Makes a Premium HMO[22:01] - Valuations: Commercial vs. Bricks & Mortar[24:37] - Hold Strategy and Long-Term Thinking[27:36] - Building Momentum Through Niching[30:29] - Final Thoughts and Resilience in PropertyThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Jake Colwill Socials:LinkedIn: https://www.linkedin.com/in/jake-colwill-1279b9104/?originalSubdomain=ukInstagram: https://www.instagram.com/jake_colwill/LinkedIn (Company): https://www.linkedin.com/company/innova-property/Website (Company): https://www.innova-property.com/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

In today's episode, I'm challenging the way most people think about a £50,000 pot of capital and why, for so many aspiring property investors, that thinking is the very thing keeping them stuck. £50k feels like a lot of money and it is, but in the context of property, it's also not enough to do the job most people are asking it to do.Rather than trying to force £50,000 into a single deal and hoping it changes your life, I break down what that money should actually be used for if your goal is real scale, momentum, and long-term freedom. This isn't about saving more, working harder, or squeezing every last pound out of one deal. It's about a fundamental shift in how you think about capital, leverage, and growth.

We explore how reducing variation in cost, outcomes, and experience creates real value, and why deep provider metrics and real-time member support outperform box-checking credentialing. Kate Grohal shares a playbook for aligning incentives without repeating the mistakes that soured HMOs.• defining quality as reducing variation across cost, outcomes, experience• Kate's path from patient escort to quality leader• why NCQA alone falls short for measuring provider performance• additional metrics: infection rates, readmissions, team engagement, co-management• building value-based networks that screen out low-performing providers• real-time care navigation via nurses, MAs, and app-based prompts• behavior change through waived cost-sharing and premium reductions• the downside of PEPM fees and paying for non-performance• differentiating value-based care from old-school HMO denial tactics• employers moving from back seat to driver's seat• tech adoption gaps and the next five-year horizonVisit BenaPower.ai or email info@BenaPower.com to schedule a demoFor more information, visit HatcherMedia.net — that's H A T C H E R Media.netThis episode is sponsored by Benepower, the platform of choice for a modern benefits experience. Benepower is an AI-powered benefits platform offering access to top products and services, enabling consultants and employers to create customized plans, optimize usage, and measure effectiveness. www.benepower.com

Send us a textThis week, Sarah Canning, Deenie Lee and Dan Smith tackle some of the questions sent it by our listeners.Thank you to Katherine Austin, Clayre Massey, Ross Halliday, Paul Mercer, Dave Amor, Tim Stephens, Kelly-anne Watson and Sam Scott for your questions.We cover:- Marketing to millennial parents - Do desks still belong in bedrooms? - HMO responses to notice periods and summer void risk- Is the trajectory of PBSA helping or hindering the future of HE success?- Fair use utilities- The growing reports of antisocial behaviour - How Councils and government can unlock affordabilityStay up to date on Housed podcast via its LinkedIn page.Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI Good Management.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:MyStudentHalls - Find your ideal student accommodation across the UK.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.

In today's episode, I'm tackling the question everyone is asking right now: is it still worth investing in property? With rising costs, tighter lending, more competition and a general sense of uncertainty, it's no surprise that so many investors are wobbling. Instead of giving you a polished answer, I'm breaking down what's actually happening, what matters, and why the fundamentals still hold strong.We'll talk honestly about the challenges in today's market, the pressure on deals, the realities of operating HMOs right now, and why this period is shaping the next generation of real operators. If you've been second-guessing your strategy, this will help steady the ship.

In this episode of the IRH Clinician's Corner, IRH lead practitioner Sara Fields sits down with Star Edwards, Healthcare Practice Director at Tiny Health, for an enlightening conversation about the evolution of gut health diagnostics—especially in pediatrics, but with insights spanning all ages. From understanding key differences between pediatric and adult microbiomes to exploring innovative metrics like HMO digestion and inflammatory markers, Sara Fields and Star Edwards make this complex data approachable, actionable, and relevant.   In this interview, we discuss:   The origins of Tiny Health and what sets them apart from other microbiome testing The importance of first 1,000 days for immune and neurodevelopment Tiny Health's suite of tests Comparing whole genome sequencing to other methods of testing (like PCR) Key results categories/metrics and examples of markers unique to Tiny Health Clinical applications and insights The Clinician's Corner is brought to you by the Institute of Restorative Health. Follow us: https://www.instagram.com/instituteofrestorativehealth/   Connect with Star Edwards/Tiny Health: Website: https://www.poweredbytiny.com/ LinkedIn: https://www.linkedin.com/in/star-edwards/   For practitioners looking to open an account with Tiny Health and order test kits, go to https://www.poweredbytiny.com/practitioners   Use discount code IRH2025 to receive $50 off your first Gut Health or PRO Gut Health test  For more resources, including sample reports, research, report walkthroughs, and interpretation guides: https://www.poweredbytiny.com/resources   Timestamps:  00:00 Passion for Microbiome and Nutrition 09:06 "Microbiome's Role in Early Development" 11:36 HMO Digestion and Infant Health 20:23 "Functions: The Frontier of Microbiome" 21:32 Microbiome Functions and Health Connections 30:00 Microbiome Patterns and Health Insights 34:36 Microbiome Differences Across Ages 42:08 "LPS: Gut Inflammation Explained" 47:59 "Tiny Health's Key Insights" 50:03 Microbiome Balance Through Testing 58:40 "H. Pylori Testing Advice" 01:02:02 Personalized Microbiome Testing Benefits Speaker bio:  Star is a former WIC high-risk dietitian and has helped her own clients in private practice, focused on food allergies and sensitivities, gastrointestinal conditions, athletic performance, and pediatrics. For much of her career, she has worked for food allergy and microbiome testing companies, training and mentoring health care practitioners on test interpretation and microbiome recovery protocols. As the Healthcare Practice Director of Tiny Health, she works closely with HCPs to assure Tiny Health testing is actionable and helps them solve their patient microbiome grievances.   Keywords:  functional health, microbiome testing, Tiny Health, gut microbiome, pediatrics, food allergies, eczema, atopic march, C-section birth, whole genome sequencing, stool chemistry, probiotics, dietary recommendations, immune system, chronic disease, practitioner resources, reference ranges, short chain fatty acids, HMO digesting species, LPS (lipopolysaccharide), TMA (trimethylamine), neurodevelopment, inflammation, GI health, diversity in microbiome, beneficial microbes, disruptives/pathogens, action plan, clinical insights, gut-brain connection Disclaimer: The views expressed in the IRH Clinician's Corner series are those of the individual speakers and interviewees, and do not necessarily reflect the views of the Institute of Restorative Health, LLC. The Institute of Restorative Health, LLC does not specifically endorse or approve of any of the information or opinions expressed in the IRH Clinician's Corner series. The information and opinions expressed in the IRH Clinician's Corner series are for educational purposes only and should not be construed as medical advice. If you have any medical concerns, please consult with a qualified healthcare professional. The Institute of Restorative Health, LLC is not liable for any damages or injuries that may result from the use of the information or opinions expressed in the IRH Clinician's Corner series. By viewing or listening to this information, you agree to hold the Institute of Restorative Health, LLC harmless from any and all claims, demands, and causes of action arising out of or in connection with your participation. Thank you for your understanding.  

In this week's episode of The Property Rebel: Arsh Ellahi breaks down a worrying trend affecting landlords across the UK — councils are now actively informing your mortgage lenders and insurance companies about your HMO applications, prohibition notices, and even minor compliance issues. Arsh shares real-life examples from his own portfolio, including how a simple licensing renewal triggered automatic notifications to lenders, and how an incorrect prohibition order almost led to uncomfortable conversations with the bank. He explains how councils are increasingly using enforcement, licensing requirements, and minor technicalities to generate revenue — and how this could put unprepared investors at serious risk. From wrong mortgage products to insufficient insurance cover, Arsh reveals the pitfalls many landlords fall into without realising it. If you own HMOs or plan to buy one, this episode is essential listening to protect your portfolio and avoid costly surprises. 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

I veckans avsnitt går vi igenom två av de viktigaste förändringarna för alla som investerar i UK-fastigheter på distans: Renters Reform Bill och November Budgeten.Det här är ett must-listen för dig som vill ligga före reglerna, undvika dyra misstag och fortsätta bygga en trygg och lönsam portfölj i Storbritannien.Vi bryter ned allt på ett enkelt sätt — vad som ändras, varför det spelar roll, och hur du som svensk investerare ska agera framåt.Vill 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://us6.campaign-archive.com/?u=5b6248a33b48fa474db5c8976&id=36d4747a7bTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

Episode 30 of Season 3 is LIVE

In this episode of The Beespace Podcast, I sit down with Natasha Ware from NVUK Properties to talk about her journey into property development. Natasha shares how she went from working towards chartered financial planner status to walking away from her career just 18 months into network marketing, before eventually finding her way to property. We get into the reality of doing an 8-bed, 8-bathroom HMO as a first project (yes, really!), what it's like managing renovations with a toddler in tow, and why going all-in on interior design paid off with 70 applications and premium room rates. Natasha doesn't hold back about the challenges either - from trades who turned up for an hour a day to planning applications that sat for months, and dealing with downvaluations on unencumbered properties. As always, this is a real conversation about what it really takes to build a property portfolio as a mum, why ‘passive income' isn't quite what Instagram makes it look like, and how finding the right mentor and community made all the difference. If you're juggling family life and wondering whether property development is a possibility for you, this one's a must-listen! Don't forget to follow Natasha's progress on Instagram too.

How Nixon's HMO deal shaped today's health-care crisis and why Republicans continue defending profit over patients.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

#247Our WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupRecent times have seen many UK property investors sitting on the sidelines or leaving the sector altogether. But with interest rates gradually heading south, uncertainty around the Renters' Rights Act and the recent budget also fading, perhaps now is the right time to buy. That's the argument of this week's guest, Will Mallard Will moved to the UK in 2017 from his native New Zealand where he started his professional career as a junior estate agent. He's an experienced investor and developer specialising in social housing, residential portfolios, and property trading.He's also the host of My Property World, a podcast with 280 episodes worth checking out.During the episode, we discuss:·       Why now might be a good time to buy UK property, considering interest rates, recent legislation, and market uncertainty.·       The impact of rising population and the proportional increase in households on property demand.·       Landlords leaving the market and how this creates opportunities for new investors.·       The dynamics of previously rented properties being sold to owner-occupiers versus landlords.·       Current challenges facing the HMO sector, including rising utility costs and inconsistent commercial valuations.·       Key risks in property investment and the importance of understanding what could go wrong.·       Where the biggest opportunities lie in buying and fixing problem properties, especially those that are initially unmortgageable.·       The effect of increased institutional investment from companies like Lloyds, Grainger, and John Lewis.·       How to prepare a property portfolio for sale, focusing on profitability, compliance, and strong leases.·       The fundamental importance of being persistent and consistent in deal-finding, including networking, following up, and tapping into unconventional sources for discounted properties.KeywordsUK property podcast, Expat property investing UK, How to buy UK property, Property investing for expats, Social housing investment UK, UK real estate podcast, Property investment tips UK, UK buy-to-let podcast, HMO investing UK podcast, Residential property UK insights, Preparing your property portfolio for sale UK, Discounted property deals UK, Institutional investors UK property, UK property market trends podcast, UK property strategies for expats, Property trading UK podcast, Networking for UK property deals, Commercial property investing UK, Social housing vs private renting UK, UK property legislation updates podcast, Landlord tips UK, Property developer UK interview, Property podcast with Will Mallard, Expat Property Story podcast, Overseas investor UK property podcast

In this episode, Neil breaks down the exact macro and micro data points The HMO Property Co tracks to help investors identify high-growth suburbs – even if you're not ready to invest in HMOs yet. From population growth to zoning changes, rental yields to vacancy rates, this is the ultimate blueprint for investors with $80k–$250k looking to double or triple their returns in 12–36 months. If you're trying to escape the rat race or build equity to leverage into higher-yield HMO deals, this episode is your research toolkit.

In today's episode, I break down the Autumn Budget and what it really means for HMO landlords and property investors, with expert insight from mortgage specialist Ellie Broadhurst.After weeks of speculation and political noise, the budget has finally landed and while it wasn't as bad as many feared, it was still far from good news. We explore the key changes that affect landlords, what didn't happen (and why that matters), and the wider direction of travel for the property market. Most importantly, we discuss what you should be thinking about now to protect your portfolio and stay ahead in an increasingly challenging landscape.

Lenders want you to borrow money.When it comes to borrowing money, lenders want you to borrow — that's how they make their profit. But not all mortgage products are made equal, especially when it comes to HMO properties.In this episode, Rebecca breaks down how lenders and brokers really work, why understanding different mortgage products matters, and how choosing the right borrowing strategy can change everything for your portfolio.What You'll LearnWhy lenders are often more eager to lend than you think.The difference between HMO mortgage products and standard ones.How a good broker can help you find the best strategy for borrowing.Why speaking directly to your broker can unlock better mortgage options.How understanding the rules (and the market) puts you in control.Chapters00:00 — Understanding Property Investment Deposits00:27 — Finding the Right Financial Guidance01:45 — How Lenders and Brokers Really Work03:20 — The Hidden Rules of HMO Mortgage Products05:05 — Why Direct Broker Relationships Matter06:40 — Borrowing Strategies That Actually Work08:15 — Long-Term Thinking: Refinancing and Cashflow09:45 — Key Takeaways and Real-Life Advice

We sit down with Hardeep Toor to talk about his hybrid approach to mixed use property development.Hardeep has dedicated 10+ years as a Chartered Quantity Surveyor at Balada Group and overseen £20M+ successful projects. Alongside his development work, Hardeep founded AssetsWise, where he mentors investors who want to navigate commercial conversions and HMOs with confidence. Specialising in commercial to residential (C2R) and HMO conversions, his work has earned multiple accolades, including Mixed Use Development of the Year 2024 at the International Property Awards and Property Developer of the Year 2024 at the Property Investors Awards.In this episode, Hardeep shares:How he transitioned from quantity surveying to property developmentHis strategy for creating hybrid developments that hold valueWhat commercial valuations really look like in mixed use projectsThe current state of HMOs in the UK marketKey differences between commercial and HMO tenants_______________________________________This episode is proudly sponsored by AssetsWise. It's founder, Hardeep, has been involved in construction for more than a decade. He specializes in providing hands on, one to one guidance so you can derisk your projects. Hardeep designed his mentoring program to cut out all the fluff and get straight to the execution. So whether you're struggling with your first commercial to residential appraisal or looking to scale your portfolio with a hybrid strategy of HMOs and commercial conversions, AssetWise is there for you to provide everything that you need from advanced deal appraisals to construction advice to raising private finance planning and permitted development rights. Everything under one roof on a one to one basis.https://assetswise.co.uk/https://www.instagram.com/harv_propertyhttps://www.linkedin.com/in/htoor/

In today's episode, I'm sharing a real and honest breakdown of what's been happening inside my property and development businesses over the last few months. It's been a challenging period across the market - tight lending, uncertainty surrounding the Renters' Rights Act, contractor issues, slower rental demand, and some big, strategic decisions to make. Instead of giving you the polished version, I'm taking you behind the scenes and talking openly about what's working, what's not, and how I'm navigating it all.I'll walk you through the performance of my student HMO portfolio, the reality of refinancing a major development right now, why some of our projects have slowed, and how I'm approaching long-term planning for both my properties and my training business. I'll also share some personal reflections on balancing work, family life, and staying focused through a tough market.

I dagens avsnitt pratar vi om gasläckan som inträffade vid en av våra fastigheter och hur vi tog oss igenom hela situationen. Vi delar våra viktigaste lärdomar och visar den sida av fastighetsinvesteringar som sällan syns – men som alla investerare behöver känna till.Se vår mentees senaste projekthttps://youtu.be/71fSWnnuKtkVill 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://us6.campaign-archive.com/?u=5b6248a33b48fa474db5c8976&id=f68a963eacTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

In this episode of the Scottish Property Podcast, Nick and Steven sit down with John Blackwood, Chief Executive of the Scottish Association of Landlords (SAL), who has spent nearly 25 years representing landlords across Scotland.John brings unparalleled insight into the private rented sector (PRS), the political pressures landlords face, and the complex legislative landscape shaping housing today. From rent controls to the Housing Scotland Bill, ADS reform, empty homes, and the moral debate surrounding private renting, this conversation offers one of the most balanced and honest breakdowns of Scotland's housing challenges — directly from someone on the front line.Episode Highlights:

In today's episode, I sit down with Hayley Andrews, the award-winning investor, “dragon” on Sky TV's Property Elevator, and the force behind Hard Hats to Heels and the Women in Property Awards, to unpack how she's built a diverse, multi-strategy portfolio over two decades, from vanilla buy-to-lets and HMOs through to hotels, listed buildings and complex commercial schemes.Hayley shares the real story behind her growth: starting out on a council estate, using property as a pension, then scaling into bigger and more complex projects by buying well, managing risk ruthlessly and building serious relationships with councils, heritage bodies and regeneration boards. We dig into her transformation of a derelict museum into “Fun City”, a new entertainment quarter that's now set to roll out across market towns in the UK.If you're serious about playing the long game in property - building wealth, not just collecting units and you want a candid look at what it really takes to operate at the top level, this is an episode you don't want to miss.

It's another week of Ask Rob & Rob, and we're tackling more real-life property dilemmas from our listeners.  (0:45) Russell's considering investing in Derby, but he's seen several articles labelling it one of the worst places to live and highlighting high crime and poverty. He wants to know whether it's still a place Rob and Rob would recommend and if it remains a solid investment location despite the negative headlines.  (3:13) After having his offer accepted on his latest investment, James' HMO application was rejected. He's appealed and been advised there's a good chance of success, but without approval, the deal no longer stacks up. He asks whether it is worth taking the risk and completing anyway, or if he should walk away.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record!.  Find out more about Property Hub Invest 

People living on a road in Sheerness say they are having sleepless nights and suffering 'horrendous noise' coming from a house being turned into an HMO.The podcast has been told work at the property on Alma Street has been going on for more than two months. Hear from a neighbour who claims it has also caused damage to her home.Also in today's episode, a Kent charity that supports young refugees has criticised the government's plans to overhaul the asylum system.Under proposals announced yesterday, most will have to wait 20 years to apply to settle here permanently.A Kent dad says children's lives are being put at risk due to a lack of pavement along a stretch of road in Sittingbourne.Daniel Thomas is calling for pavements to be installed on Highsted Road following a series of near misses. He's told our reporter there's been a lack of action since a nearby housing estate was finished in 2007.A Kent woman who became the legal guardian of 15 children at the age of 22 has been telling us how she's helping families in Tanzania.Letty McMaster travelled there on a gap year and ended up taking over an orphanage that would otherwise have closed down.And in sport, Gillingham's young players are in FA Youth Cup action tonight. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

#243Our WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupThis episode is much more than a tale of two HMOs next door to each other just a few of minutes walk away from a large hospital in Wakefield.It features experienced UK property investor Tom Appleton of Cali Living / Ten EquityNo. 48 is a high end 12 - bed HMO targeting doctors at the hospital.It's been up and running with practically no voids since early 2023.So when the chance to buy No. 50 came up, Tom didn't think twice.He's now considering leasing his latest purchase to a provider of accommodation to newly arrived nurses from the Philippines.But there is so much more to the episode than that.We discuss:·       The value of Certificates of Lawful Use for HMOs and the detective work required to gather evidence for them, including statutory declarations and historical documentation.·       Transforming problematic properties through relationship-building with previous agents, local councils, and key stakeholders.·       The benefits and challenges of investing in high-end HMOs near major employers, like hospitals, and attracting professional tenants such as doctors and nurses.·       Strategies for managing tenant churn, maintaining occupancy, and ensuring steady cash flow in large HMOs.·       Exploring alternative strategies for property portfolio management: long-term leases to providers for supported living and service accommodation.·       Role of local councils in connecting investors with accommodation providers.·       Due diligence when leasing to providers: tips on vetting reliability, experience, maintenance & tenant profiles.·       Portfolio long-term planning, including keeping properties maintained and knowing when to pivot from professional HMOs to accommodation for social or supported housing.·       The importance of people and networking in property investing—from building trust with agents to nurturing council contacts, and why “who you know” is as vital as “what you know”.KeywordsUK property investment podcast, Expat property investing UK, HMOs in UK property, Certificates of lawful use property UK, UK property portfolio building, Statutory declaration property evidence UK, Remote property investing UK, Social housing providers UK property, Supported living property investment UK, High end HMO case study UK, Council relationships UK property, Wakefield property investment, Leeds property investing tips, Long term property strategy UK, Passive income property UK, Commercial lease property UK, Due diligence property providers UK, Article 4 property area UK, Doctors and nurses HMO tenants UK, UK property renovation tips, Social housing lease agreements UK, Podcast for expat property investors, Building rapport in UK property, UK property law and planning, Certificate of lawfulness application UK

Key Topics Covered:1. Mike's Journey: From Corporate to Property FreedomWhy Mike left a successful retail career for more control and family time.How a nudge from Kevin Whelan led to financial independence through HMOs.Building a business and legacy with his wife Claire and daughter Katie.2. Why Property Still MattersProperty as a long-term investment: realistic 8–10% cash returns plus asset growth.HMOs outperform single buy-to-lets for cashflow and resilience in changing markets.The maturing HMO market: easier entry with ready-made properties and new marketplaces.3. Taking the Leap: Advice for Aspiring HMO InvestorsDefine your financial and lifestyle goals before choosing the HMO route.Research HMO models (young professionals, students, etc.) and build your local power team.Action is key—most successful investors wish they'd started sooner.4. Building HMO X: An Ecosystem for HMO SuccessHMO X supports investors at every stage: learning, buying, operating, scaling, and exiting.Bronze and Silver subscriptions tailored to experience levels with access to expert support, estate agency, and the UK's first HMO auction house.Community, mentoring, compliance guidance, and a world-class power team.5. Compliance, Regulation, and Business MindsetNavigating new regulations like the Renters' Rights Act and staying systemised.Why running property as a business maximises profits and protects tenants.Leveraging your professional background for property success.6. Wealth Building, Legacy & DiversificationUsing a SSAS pension to diversify and strengthen family wealth.The importance of holistic planning: recurring income, multiple pillars, and protection (wills, powers of attorney, insurance).Knowledge transfer—teaching the next generation to build and protect wealth.7. Overcoming Barriers & The Power of CommunityThe value of support networks, mentorship, and learning from those who've “been there.”Why community and accountability increase your odds of success.Real-life case studies and five-star reviews as social proof.8. Practical Tips & Offers for ListenersHMO X offers a 10% discount on annual subscriptions for WealthBuilders members.Free initial chat for anyone exploring HMOs as a new pillar, mention you're a WealthBuilder.Leverage frameworks, community, and expert support to accelerate your journey. Actionable Takeaways:Think Long-Term: Property success comes from time in the market, not timing the market.Be Patient: Real wealth builds over 10, 15, even 20 years of holding strong assets.Aim for Steady Returns: Expect around 8–10% cash return on day one, with capital growth compounding over time.Hold for Growth: Retaining your property allows its value to appreciate significantly.Avoid Shortcuts: This isn't a quick-win strategy—discipline and strategy drive lasting success.Stay Strategic: Plan your portfolio carefully and review it regularly to stay aligned with your goals. Resources & Next Steps:HMO X - HMO Expertise all in one placePlatinum Property Partners - Build your own successful and profitable property businessWealthBuilders Membership: Free access to guides, webinars, and communityConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

I veckans avsnitt pratar vi om UK touren och fastighetsinvesteringar i norra England. Vad driver lönsamheten, vilka strategier funkar!Se vår mentees senaste projekthttps://youtu.be/71fSWnnuKtkVill 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://us6.campaign-archive.com/?u=5b6248a33b48fa474db5c8976&id=f68a963eacTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

Open enrollment season is here! Whether you're choosing your health plan for the first time or just need a quick refresher, this under 9-minute episode gives you everything you need to make smart, confident choices.We'll break down:The difference between HMO and PPO plansWhat's the deal with Kaiser Permanente?How to think about deductibles, networks, and coverage levelsAll delivered with a touch of humor and zero boring jargon!Quick. Insightful. Actually fun. Tune in and get ready to make the most of open enrollment season!

Learn how to pick the right health plan for your situation and build a stronger retirement even if you feel behind. How do you choose the best health plan during open enrollment? What can you do to secure retirement if savings feel like they're falling short? In the first of a two-part series, hosts Sean Pyles and Elizabeth Ayoola break down open enrollment decisions so you can protect your health and long-term wealth. But first, NerdWallet senior writer Kim Palmer joins them to present this month's book club conversation about Gen X's path to retirement security. She talks to Kerry Hannon and Janna Herron, authors of “Retirement Bites: A Gen X Guide to Securing Your Financial Future,” about how to take control of retirement even when you feel like you're late to the game. That includes revisiting cash flow and lifestyle creep, attacking high-interest debt, considering step-down or flexible work to extend earning years, and planning for healthcare costs in retirement.   Then, NerdWallet writer Kate Ashford joins Sean and Elizabeth to present a clear walkthrough of healthcare plans as we enter open enrollment season. She discusses premiums vs. deductibles vs. out-of-pocket maximums, when an HMO or PPO fits best, and how Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) work — including the triple-tax edge of HSAs. They share practical, listener-first guidance on running plan comparisons, checking drug prices and doctor networks, watching ACA subsidy changes and deadlines, and building a values-driven, realistic retirement health plan you can start acting on today. From comparing health insurance plans to understanding out-of-pocket costs, here's NerdWallet's free step-by-step guide to help you choose the best coverage: https://www.nerdwallet.com/article/health/choose-health-insurance  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: health coverage options, ACA marketplace, premium tax credits, health insurance subsidies, annual enrollment period, insurance plan comparison, coinsurance examples, copay structure, catastrophic health plans, employer benefits package, dependent coverage, preventive care coverage, out-of-network costs, provider networks, telehealth coverage, prescription tiers, pre-tax savings, IRS contribution limits, healthcare inflation, medical cost planning, retirement healthcare expenses, long-term care costs, catch-up contributions, IRA rollover, compound growth, late retirement planning, work after retirement, side income in retirement, debt-free retirement, financial independence, budgeting for healthcare, reducing healthcare costs, maximizing employer benefits, flexible work transition, delayed retirement, insurance renewal tips, healthcare budgeting, and cost-of-living planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

This month we invite Mark and Martin Pow of Property Pow Brothers who have just completed the Property Entrepreneur Program, and have just joined the Advanced program as well as the Mastermind group. They had the honour of being voted by their peers for The Deal of The Year and we will go behind the scenes on that deal.   Mark and Martin are both family men and based in the South West. They started investing about 15 years ago and now specialise in Commercial Conversions, Title Splits and large HMOs.    The office conversion was a large property, 965m2 and they agreed a purchase option subject to planning, which they obtained for 10 flats, 8 x 3 beds and 2 x 1 beds. Property investing is not without its challenges and we discuss how their Joint Venture and funding partners withdrew just before completion and how they managed to raise £400,000 in 24 hours as well as how they found their lease provider.    Here are the numbers:   10 bed HMO in the South West Purchase Price: £620,000 (asking price £1m) Total including purchase, conversion and finance: £1,767,000 Gross Development Value (GDV): £2,800,000 Equity: £100,000 Cashflow: £138,842 pa Return on Capital Employed: 73% on £190,000 Success and failure are both very predictable.   I hope you enjoy. Want to contact Mark or his guests?   www.thepropertybrokerage.co.uk mark@thepropertybrokerage.co.uk Mark & Martin Pow info@powproperty.co.uk http://www.powproperty.co.uk   07816407114   https://www.instagram.com/propertypowbrothers/ Want to learn more?  

I veckans avsnitt reder vi ut tre begrepp som ofta blandas ihop: social housing, emergency housing och supported living. Vi går igenom vad som skiljer dem åt, hur de fungerar i praktiken och vilka möjligheter och utmaningar som finns för investerare inom varje område. Perfekt för dig som vill förstå den sociala bostadssektorn i UK på djupet!Vi vill också höra vad ni tycker om ett framtida event i Spanien, med padel och nätverkande.UndersökningVill 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://us6.campaign-archive.com/?u=5b6248a33b48fa474db5c8976&id=f68a963eacTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

As millions of workers begin to think about open enrollment and health insurance for the new year, Blue Cross Blue Shield of Michigan is warning rates are expected to increase by 23 to 24 percent for HMO and PPO options. WWJ's Chris Fillar and Jackie Paige have your Friday morning news. (Photo credit: Getty Images)

PPO, HMO, HSA, FSA… WTF? Understanding Employee Benefits with HR Pro Veronica Barnas | E075Open enrollment season is here — but don't just click “same as last year.” This week on The Extreme Personal Finance Show, Chris sits down with HR powerhouse Veronica Barnas, a 20-year Human Resources veteran specializing in employee benefits.They break down the alphabet soup of benefits — PPOs, HSAs, FSAs, and HMOs — in plain English and with a few laughs. Veronica explains how to stop leaving free money on the table, how to actually build wealth through your benefits, and why your 401(k), HSA, and disability coverage might be more powerful than you think.From the triple-tax advantage of an HSA to secret perks like tuition reimbursement, employee stock programs, and even pet insurance, this episode helps you take control of your financial health the same way you take care of your physical one.In This Episode You'll Learn:• Why “same as last year” could cost you thousands• The real difference between a PPO, HMO, and high-deductible health plan• How to use your HSA as a stealth retirement account• Why disability insurance is one of the most underrated safety nets• How to spot free money in your benefits package• Overlooked perks like tuition reimbursement, stock purchase programs, and gym reimbursements• How to make open enrollment season work for your wallet, not against itWhether you're new to the workforce or a seasoned pro, this episode will help you understand your benefits like a boss and maximize every dollar your employer offers.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyConnect with Veronicahttps://www.linkedin.com/in/veronica-barnas-28ba7723/

Send us a textSimon's grim HMO viewing – “a cupboard with a toilet in it” – kicks off a sharp rant about rent, greed and our own complicity in gentrification (yes, palazzo included). Lee's just out of Covid, still “quite brain foggy,” as they juggle setup jitters, wool-winding, and the uneasy balance of rights vs responsibilities.Get in touch with Lee and Simon at info@midlifing.net. ---The Midlifing logo is adapted from an original image by H.L.I.T: https://www.flickr.com/photos/29311691@N05/8571921679 (CC BY 2.0)

I det här avsnittet tar vi er med genom hela resan med tandläkarkliniken, Från start till färdigställande. Vi delar våra största lärdomar, utmaningar och insikter längs vägen!Vi vill också höra vad ni tycker om ett framtida event i Spanien, med padel och nätverkande.UndersökningVill 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://us6.campaign-archive.com/?u=5b6248a33b48fa474db5c8976&id=f68a963eacTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

Health insurance or health cost-sharing—which is the better fit for your family? With open enrollment upon us, it's the perfect moment to explore your choices. Joining me today is Lauren Gajdek to highlight the key differences between health insurance and health cost-sharing.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. The Landscape of Traditional Health InsuranceOpen enrollment season is right around the corner—running from November 1 through January 15, 2026. For most people, that means navigating the world of traditional health insurance. These plans typically require you to select doctors and specialists within a designated provider network, often necessitating referrals or pre-authorization before receiving care.While insurance companies provide coverage, their structure can come at a high cost. Premiums and deductibles are often steep, and because insurers operate for profit, patient care and affordability don't always align. For many families, this creates a significant financial burden.How Health Cost Sharing Is DifferentHealth cost-sharing ministries, such as CHM, offer a unique alternative. The end result is the same—your medical bills are taken care of—but the process looks very different.No provider networks: Members are free to choose their own doctors and hospitals.Nonprofit model: Unlike insurance companies, CHM is a ministry. Members send in a set monthly contribution, which is pooled together to reimburse medical costs.Community approach: Instead of being absorbed into a bureaucratic system, members know that their contributions directly help fellow believers in need.Since its founding, CHM has facilitated over $10 billion in shared medical bills.How Does Health Cost-Sharing Work?Here's how it works for a typical family:Choose your provider. Members can see any doctor or hospital as long as the treatment fits CHM's guidelines.Identify as self-pay. This allows members to receive significant discounts often, sometimes as high as 40%.Submit bills to CHM. The ministry coordinates with providers as needed. In the meantime, members may set up a temporary payment plan until reimbursement arrives.The process is straightforward, designed to give families peace of mind while also offering flexibility and savings.What to Keep in Mind During Open EnrollmentWhen weighing your options, consider more than just the monthly premium. Ask:How much am I actually paying out-of-pocket after deductibles, co-pays, and coinsurance?Will my coverage travel with me if I go out of state—or out of the country?With CHM, members don't face co-pays or coinsurance, and qualifying medical bills are shared 100% according to ministry guidelines. Additionally, portability makes it an appealing option for families who want flexibility, regardless of where life takes them.A Biblical Approach to HealthcareAt its core, CHM is more than a healthcare solution—it's a ministry. Members not only share medical expenses but also pray for one another and receive prayer support in return. Every monthly contribution is a gift that directly helps another member in need.CHM reflects biblical principles of bearing one another's burdens while providing a practical, affordable path to healthcare.To explore whether health cost sharing is right for your family this open enrollment season, visit CHMinistries.org/Faith.On Today's Program, Rob Answers Listener Questions:I'm refinancing my home and am unsure whether I should roll the closing costs into the new loan or pay them from my investments or retirement accounts. Rolling them into the loan would lower my monthly payment, but is that the wisest choice financially—and biblically?Could you explain where the funds actually come from with a reverse mortgage, who technically owns the home in this arrangement, and whether the FHA backs the loan?My wife and I recently took a required minimum distribution from her IRA and made a qualified charitable distribution to our church. They told us it wasn't tax-deductible and wouldn't issue a receipt. What does the IRS actually require in this situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We welcome back Josh Kinzel from Seniority Benefit Group for his sixth visit to the podcast. The focus of this conversation is on the upcoming changes to Medicare enrollment and coverage for 2026, as well as practical advice for those approaching or currently navigating Medicare options.Breaking Down the Medicare Alphabet SoupJosh walks us through the parts of Medicare and why understanding them is so important:Original Medicare includes Part A (hospitalization, generally free) and Part B (outpatient coverage, with a monthly premium).Original Medicare typically covers 80% of approved costs, but there's no out-of-pocket cap for the leftover 20%. That's where the choice between a Medicare Supplement (Medigap) plan and a Medicare Advantage (Part C) plan comes in.Medigap fills in gaps left by Original Medicare—giving simplicity and freedom to see almost any provider accepting Medicare. You add on a Part D drug plan for prescriptions.Medicare Advantage plans are administered by private insurance companies. The government pays these companies on your behalf, so the advertised zero-premium plans are real—but always remember, your Part B premium still applies. With Advantage, you're often in an HMO or PPO network, may have to seek pre-approval for some services, and pay more out of pocket if major health issues arise.What's New for Medicare in 2026?As usual, we're recording before all federal rules are final, but here's what we know:Part B premiums are expected to rise by about 11%, reaching an estimated $206.50 monthly.Part D drug plan costs may inch up, mainly as insurers adjust to the new $2,000 annual out-of-pocket limit (from the Inflation Reduction Act). While deductibles and catastrophic thresholds rise, costs for many drugs, especially for diabetes, are actually dropping.The infamous “donut hole” coverage gap is now virtually gone, making prescription coverage simpler.Talk continues about longer-term Part D and Advantage contracts (potentially covering more than one year) and the introduction of more pre-authorization (prior approval) steps, including the use of AI to address fraud and control costs.Medicare Advantage and the “Free” Plan QuestionA recurring theme is whether Medicare Advantage's free or low-cost plans are really “free.” Josh explains that these plans are genuinely $0 premium because the government subsidizes them, but you'll still pay the Part B premium, plus out-of-pocket costs when you use services. The trade-off is less predictability, more restrictions on doctor/hospital networks, and a risk of higher costs if you need significant care.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!MyCare Ohio: A New Managed Care Option for Dual EligiblesWe explore MyCare Ohio, a managed care model that combines Medicaid and Medicare benefits for those who qualify for both. Expanding to all 88 counties in Ohio, this program promises consolidation, fewer cards to carry, and—potentially—lower out-of-pocket costs for those with low income and assets. Eligibility, plan availability, and making sure your doctors are in-network are important considerations.How Employers and Retirees Fit InFor people who are still working at 65 or have retiree health coverage, we emphasize comparing employer plans with Medicare options—never simply assuming your current coverage is best. Employers can use experts like Josh's group to help employees or retirees make smart,...

✅ Free Medicare Guidance: https://bit.ly/3GoHTBZToll Free (855) 463 - 9688DescriptionJae breaks down why MaximizeYourMedicare.com is the hub for plain-spoken guidance—and why 2026 is more complex than you've been told. From the “birthday rule” backfire to Part D coverage gaps, AEP timing, GLP-1 gotchas, PPO vs HMO tradeoffs, and out-of-pocket max math, this episode shows how to use rules and competition to your advantage. Free guidance, serious caveats, and a clear plan—without the hype.In This Video00:00:00 Why MaximizeYourMedicare.com exists & who it's for00:01:00 AEP timing: why starting before Oct 15 saves headaches00:03:00 Substack: free vs paid, curation, and why context matters00:05:00 2026 is harder: regulation, skepticism, and “not financial advice”00:10:00 Medicare.gov walk-through: what I can finally say today00:15:00 Medigap is standardized; the real story is rate hikes00:16:00 The “birthday/anniversary rule” backlash—why prices rise00:23:00 Part D demo: GLP-1 coverage gaps & the $2,100 cap nuance00:35:00 Medicare Advantage vs Medigap math: networks & OOP max00:45:00 Markets differ by ZIP: producer pay, plan exits, and buyer edge______________________________________________________________CONNECT:✅ Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s✅$$$ Free Prescription Discount Card: https://bit.ly/3vv2gpi✅$$$ 2nd Free Prescription Discount Card: https://bit.ly/3NWIBp8✅Free Term Life Insurance Quote: https://bit.ly/37xaYJL✅

I veckans avsnitt pratar vi om de fyra olika typerna av projektledare vi stött på i våra fastighetsprojekt. Vi delar med oss av våra erfarenheter, vad som skiljer dem åt och vilka för- och nackdelar som finns. Vi vill också höra vad ni tycker om ett framtida event i Spanien, med padel och nätverkande.UndersökningVill 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://us6.campaign-archive.com/?u=5b6248a33b48fa474db5c8976&id=57a85f086eTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

An off-grid grandad says he won't be forced out of his creekside home despite being “more or less” fenced in.Bob Thwaites has lived off the bank of the Swanscombe Peninsula without any problems since 1991 but the new landowner have now put up a 6ft to keep people out. Also in today's podcast, there are fears the government's decision to approve a second runway at Gatwick Airport could lead to more noise pollution for Kent residents.£2.2 billion of private money is going to be spend on the expansion - which will allow for another 100-thousand flights a year.An MP is calling for a crackdown on excessive numbers of houses of multiple occupancy in Gillingham. Naushabah Khan says too many HMOs are being permitted in Gillingham and warns the current system could damage community cohesion and change the character of neighbourhoods forever.More than 130 people will carry the Baton of Hope at it travels through Kent today.The tour aims to change the narrative around suicide and started in Medway earlier - we've spoken to some of the people taking part. And in football we've got plenty of reaction from what was a record breaking weekend for Gillingham. Their in over Notts County has seen their unbeaten run in League Two to 21 games.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tash never planned to get into property. She was a PE teacher, living in Liverpool with her partner, when they won £50,000 on a game show.Most people would've booked a holiday. They bought a house - and not just any house, but one in serious need of work, with no real clue what they were doing.Fast forward a few years, and Propella Property (the business Tash now runs with Amy and their friend Sophie) is behind one of the best looking HMO projects I've seen this year. It's a six-bed in Derby, fully let within three weeks, making £1,000 a month profit, and they didn't even view it before buying!In this episode, we break down exactly how they did it - from sourcing to finance to standout design - and what they've learned from four years of trial, error, and a few expensive mistakes. ******************** Join our upcoming free property investment challenge >> 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. Start your application for the IPI Mastermind >>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

When Jay bought his first investment property, he didn't think it would turn into a two-year battle - delayed by a party wall surveyor, derailed by a rogue contractor, and topped off with a “nil valuation” from the bank at refinance.Most people would've walked away. But Jay didn't.He project-managed the second half himself, found a way through the setbacks, and still came out the other side with a fully tenanted HMO, £800 a month in cashflow, and a lot of lessons to carry on to his next deal.In this episode, we talk about what kept him going, what he learned the hard way, and how he used that painful experience to build a simpler, more resilient strategy - one that fits around his job, his family, and the life he actually wants to create.Whether you're just getting started, or bouncing back from your own nightmare project, Jay's story is full of honesty, lessons, and quiet confidence. ******************** Join our upcoming free property investment challenge >> 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. Start your application for the IPI Mastermind >>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

I veckans avsnitt delar vi vad som hänt i våra projekt den senaste tiden.Vi berättar om försäljningen av vår BTL i Leeds och oväntade hinder på vägen, vårt färdiga 11-beds HMO som nu fylls med hyresgäster, samt hur vi hanterade utmaningar med tandläkarkliniken.Vi vill också höra vad ni tycker om ett framtida event i Spanien, med padel och nätverkande.UndersökningVill 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://us6.campaign-archive.com/?u=5b6248a33b48fa474db5c8976&id=57a85f086eTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

Happy Tuesday! It's time for Rob & Rob to answer two more great questions from our listeners!  (0:49) Toff's a high-rate taxpayer with a well-performing buy-to-let in his personal name. He's now looking to buy his own home but faces higher stamp duty that'll add at least £10,000 to the cost. Weighing up whether to sell the rental and lose a good investment, move it into a limited company, or just accept the extra bill – he asks Rob & Rob if there's a smarter move he's missing.  (3:42) Jane's living in Hong Kong and preparing to return to the UK after 15 years as an expat. With £300k to invest, she wants to build a portfolio that provides enough income to work part-time. Her current student HMO has worked well and she's wondering if she should use the pot to buy four more student houses for cash flow.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record!.  Find out more about Property Hub Invest 

It's time for your weekly dose of Ask Rob & Rob, so let's get stuck into some interesting listener questions...  (0:39) Should Bon pursue a HMO in a less desirable area if the numbers stack up? A major new housing development nearby could improve things – but is it worth the risk, or is location too important to gamble on? Rob and Rob give their thoughts.  (4:36) Sara has £50k to start her property investing journey and is unsure where to begin. Buying a low-cost flat outright isn't advisable in this scenario, but can Rob & Rob sway her to use a mortgage to unlock better growth opportunities?   Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record! Find out more about Property Hub Invest

In this episode, host Maayan Hoffman discusses with Dr. Elior Moreh the incredible work being carried out at Hadassah's Gandel Rehabilitation Center. The episode delves into the impact of the recent war on rehabilitation needs and Hadassah's comprehensive approach to recovery.

In this episode of The Broker Link, Josh Slattery breaks down key carrier updates that will impact Medicare Advantage and Part D plans in 2026. Highlights include:

Add the best superfood for immunity to your diet today! Discover the countless health benefits of colostrum for your immune system, gut health, and more. Learn about the benefits of colostrum for adults and aging populations. It's not just for babies!0:00 Introduction: The best superfood for immunity 0:44 What is colostrum? 1:12 Colostrum benefits 3:33 Colostrum for adults3:43 Colostrum and gut health4:01 More colostrum uses 4:54 How to take colostrumColostrum is produced in the first 24 to 72 hours after birth. It's golden in color and rich in essential probiotics, including L. reuteri. It's significantly more immune-building than regular milk and even contains stem cells. Colostrum also contains an important prebiotic called HMO (human milk oligosaccharides) that feeds the probiotics found in breast milk. Colostrum contains cholesterol and omega-3 fats, vital for brain health, and important hormones like oxytocin and cortisol.Many infants are fed infant formula, which is essentially ultra-processed food calories. Most infant formulas are made of low-quality ingredients such as maltodextrin and soy, and they lack the immune benefits and probiotics of breast milk. Children who were fed infant formula are more predisposed to allergies, asthma, skin problems, obesity, cognitive delays, and other health problems. If you didn't get colostrum as a baby, there are still many benefits of colostrum for adults. You can take colostrum in supplement form. Colostrum is beneficial for gut health and can help fix a leaky gut or gut damage. It can help lower inflammation, increase good microbes, and decrease pathogens. Colostrum has powerful benefits for respiratory problems such as allergies and asthma. It can also help an overactive immune system and many autoimmune conditions. Colostrum helps support the thymus glands as you age and is very beneficial for age-related problems such as muscle loss, wrinkles, macular degeneration, and arthritis. It can even help with long COVID, Hashimoto's, autism, and Lyme disease. Colostrum is heat-sensitive, so look for a freeze-dried supplement!Dr. Eric Berg DC Bio:Dr. Berg, age 60, is a chiropractor who specializes in Healthy Ketosis & Intermittent Fasting. He is the author of the best-selling book The Healthy Keto Plan, and is the Director of Dr. Berg Nutritionals. He no longer practices, but focuses on health education through social media.