Podcasts about hmo

Property can look straightforward from the outside. Find a deal, add value, refinance, repeat. But anyone who's actually building a business in this market knows it's rarely that simple.In this episode, I sit down with Adriana Cafasso, an investor operating in the North East who's scaling both her own portfolio and a high-volume, end-to-end investment business. She's not watching from the sidelines - she's actively acquiring, refurbishing and structuring HMO and mixed-use projects in a market that's becoming more competitive and more regulated by the month.We talk about how she moved from law into property during lockdown, the early setback that could easily have knocked her out of the game, and what changed in her approach as she moved from “trying to do a deal” to building a proper operation with the right partners and systems around her.This is a practical conversation about execution, decision-making and staying consistent when results don't come overnight.

In this episode of The HMO Property Show, Neil Gibb sits down with Julian Pace, Founder of Happiness Co, for a conversation that goes beyond property. Why talk about happiness on a property podcast? Because houses are structures — but homes are built on people, connection and wellbeing. Neil and Julian dive into: The reality of entrepreneurship — rejection, resilience and pressure Why success without fulfilment eventually collapses The habits that quietly destroy relationships and performance The three pillars of long-term wellbeing: self, connection and contribution Why the building industry faces higher burnout and suicide rates How HMO Property Co is now providing 24/7 wellbeing access to tenants They also share details of the HMO x Happiness Co collaboration, plus a 45-day free access gift for listeners via the show notes. If you're an investor, business owner, or simply feeling the pressure — this episode is for you.

What happens when a Wall Street bond analyst, urban planner, freelance filmmaker, and investment banker all become the same person, and that person ends up running healthcare benefits for 215,000 people at the University of California? Laura Tauber didn't follow the rulebook. She followed curiosity. Laura Tauber is the Executive Director of Self-Funded Health Plans at the University of California, Office of the President. She oversees PPO plans, HMO plans, and benefit partnerships with Anthem and Blue Shield for a workforce that spans everything from Nobel laureates to gardeners — active employees, early retirees, and families spread across California and beyond. 60% of that workforce is unionized. 5 of her campuses have no medical center. And 50-60% of total plan spend runs through UC's own health system, meaning she's constantly negotiating with the very hospitals she depends on. It started not in healthcare — but in natural resources. Laura studied environmental policy, nearly became a forester, spent a summer in rural Montana, and realized that wasn't the life for her. She pivoted to urban planning, moved to San Francisco in 1982 in the middle of a recession, couldn't find work, and called a friend in New York who happened to be hiring at a bond insurance company. That one phone call put her in healthcare. She became a healthcare bond analyst — spending years doing deep financial analysis for hospitals, understanding how CFOs and CEOs think, what keeps them up at night, what their numbers actually mean. Then she moved to Blue Shield of California. Then Accenture as a healthcare strategy consultant. Then a stint in investment banking — where her biggest revelation wasn't finance, it was that she hated banking but loved strategy. Then Scan Health Plan. Then Kaiser. And somewhere in the middle of all of it, she took what she calls "a long sabbatical or a midlife crisis" — left healthcare entirely, got a BFA in cinematography, worked freelance for the BBC, worked on a travel show, and worked on a Spike Lee film. Then she came back. And everything clicked. In this conversation, Laura breaks down what it actually takes to make high-stakes benefit decisions across a system this complex — balancing member needs, budget constraints, union contracts, provider negotiations, pharmacy costs, and the constant pressure of doing right by people whose lives depend on the decisions you make. We go deep on: How her background across hospitals, health plans, investment banking, and consulting gives her a different lens when she looks at data — and why that multi-perspective thinking shapes every decision she makes The GLP-1 decision that consumed 18 months of her life — every study, every doctor conversation, every ethical consideration — and the hard call she ultimately made The $2 million hemophilia cure problem and the question underneath it: if a drug pays for itself over time and it's the right thing to do for the member, can you afford not to cover it? Why she still pulls up the raw spreadsheet herself instead of reading the summary — and why that habit has repeatedly led her to insights her own team missed What "making room at the table" actually looks like in practice — and how her first boss at UC gave her the opportunities that shaped everything that followed How she thinks about developing the next generation of leaders: understanding where people want to go, clearing the path for them, and supporting them even when that means helping them leave Why healthcare is fundamentally different from every other corporate environment — and why that emotional dimension is exactly what draws her to it Every detour Laura took — the bond analysis, the urban planning, the film set — gave her a way of thinking about problems that a straight-line career never could have built. This conversation is about what that actually looks like in practice.

I det här avsnittet delar vi med oss där både vår BTL och ett block of flats på lease option plötsligt blev tidskritiska. Vi berättar hur vi löste situationen via ett portföljlån baserat på marknadsvärde och om juridiska hinder, förseningar och ett gammalt pantbrev som nästan stoppade hela affären. Ett ärligt avsnitt om problemlösning och fastighetsinvesteringarnas mindre glamorösa sida.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://miraclepropertiesltd.us6.list-manage.com/subscribe?u=5b6248a33b48fa474db5c8976&id=bb104d26aeTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

Let's be honest, going into 2026 there's been a lot of noise in property and not much clarity.In today's episode, I'm joined by Lucian Cook, Head of Residential Research at Savills and one of the most respected data voices in the UK housing market, for a clear-eyed conversation about where things actually stand as we move through 2026.Lucian has spent his entire career in property, starting as a chartered surveyor before moving into research just ahead of the global financial crisis. Since then, he's analysed every major shift the market has thrown at us, from the credit crunch to the pandemic boom, and now the biggest rental reform in a generation.We talk about what's structurally changed in the housing market, why regulation and tax policy have reshaped the role of the landlord, and how investors should really think about cycles, sentiment, and supply without getting pulled around by headlines.This isn't about predictions for the sake of it. It's about understanding the forces at play, what the data is actually saying, and what that means if you're making decisions with your own capital.

“Free content keeps people stuck.”In this episode, we talk honestly about how beginners should learn property investing in 2026, without getting overwhelmed, ripped off, or stuck consuming content forever.We share what property education looked like when we started 12 years ago, why things feel harder now, and how to balance self-teaching, paid education, and actually taking action.If you've been stuck researching, unsure who to learn from, or confused about whether education is “worth it”, this one's for you.Chapters00:00 – Welcome & why this matters in 2026Why we wanted to talk about learning property the right way this year.03:00 – Predatory education & red flagsWhat to avoid and why high-pressure sales tactics are a no.06:30 – Why property feels riskier nowHigher prices, tighter margins, and less room for mistakes.09:00 – Self-teaching vs paid educationWhat free content is good for, and where it stops helping.13:00 – Courses vs mentorshipWhy foundations come before mentors.17:00 – Confidence, action & real learningWhy education shortens the path but doesn't replace experience.22:30 – Who you should learn fromWhy alignment matters more than hype or hustle.26:00 – Final takeawaySelf-teaching builds understanding.Education reduces risk.Action builds wealth.Key TakeawaysFree content builds awareness, not momentumEducation should reduce risk, not drain capitalYou don't need £20k courses to learn property fundamentalsMentorship works best after you understand the basicsLearn from people living the life you actually wantKeywordsproperty investing for beginners, property education UK, self teaching vs paid courses, property mentorship, financial literacy property, Honest Property SistersIf this episode resonated, we would love to hear what reverse retirement looks like for you. Send us a DM or leave a comment and tell us what small step you are taking next.See you in the next episode.

In this episode, we take a deep dive into a real property deal — from early strategy pivots to delivering a high-performing commercial HMO. Nigel shares his journey from initially chasing serviced accommodation to completing his first HMO project, including the challenges, mistakes, and key decisions that shaped the outcome. We break down how a tired property was transformed into a 7-bed professional HMO, why location and planning were critical, and how commercial valuation unlocked significant uplift beyond traditional bricks-and-mortar value. This conversation also explores the importance of design for longevity, choosing the right tenant profile, and leaning on community, mentorship, and proven models rather than reinventing the wheel. Whether you're considering your first HMO or refining your strategy, this episode offers practical insight into what really makes a deal stack up. What you'll learn Why pivoting strategy can be the smartest move in property How commercial HMO valuations differ from residential value The role of planning, Sui Generis status, and risk management Why design and tenant experience directly impact yield Lessons learned from delivering a first HMO as a proof of concept

In today's episode, I'm sharing a business update and giving you a real look at what's happening inside my portfolio and wider businesses as I head into 2026.This year isn't about experimenting or chasing new ideas. It's about execution, efficiency and tightening what's already been built. I talk through how changes in my personal capacity have reshaped my role, why focus and discipline have become non-negotiable, and how better execution is already translating into stronger performance.I share what's been working, what hasn't gone to plan, and why touching on portfolio performance, operational pressure, refinancing, live development projects and the reality of running a property business at scale.If you're building or scaling an HMO business and want a grounded, behind-the-scenes update that reflects the real challenges and decisions involved, this episode will give you clarity and reassurance that this is all part of the process.

In today's episode, I'm joined by Russell Quirk, a well-known property expert and one of the UK property industry's most outspoken commentators, for a straight-talking conversation about where the housing market is really heading.Russell started as an estate agent at 16 in his family business, went on to run his own traditional agency, and later founded Emoov, one of the UK's first online estate agencies. Today, he works behind the scenes with some of Britain's biggest property brands and is known for his candid, often controversial views on landlords, renters, and housing policy.We cover how being a landlord has changed over the last decade, what recent legislation really means in practice, and why the conversation around property is becoming more political than ever. No hype, no fear-mongering - just honest insight from someone who's seen the industry from every angle.If you're an investor trying to make sense of the noise and think clearly about the future, this is an episode you'll want to listen to.

“Your first property isn't meant to make you rich.”Should your first property investment be small and simple, or big and bold?In this episode, Becky and Ruth break down one of the most common questions we get from beginners. Do you start with a straightforward buy-to-let, or go straight into something bigger like HMOs, developments, or commercial conversions?We talk honestly about fear, ego, timing, life stage, and why there is no single “best” strategy. Just the one that fits your life right now.This is not about hype or shortcuts. It is about staying in the game long enough to build real wealth, without burning yourself out or boxing yourself in.Our biggest takeaway. Your first property is not meant to make you rich. It is meant to make you capable.Key Talking PointsWhy copying online investors rarely worksHow market cycles and interest rates affect strategy choiceTime vs money vs energy, which one really mattersWhy mistakes feel more expensive later onThe danger of skipping steps too earlySeparating ego from long-term decision makingWhy calm decisions usually beat flashy onesChapters00:00 – Welcome + why this question matters Why “start small vs think big” comes up for almost every new investor.02:00 – The real fears behind first investments Renting, first-time buyers, overthinking, and waiting for the “perfect” deal.05:00 – Starting small explained properly Buy-to-lets, house hacking, small HMOs, and why foundations matter.10:30 – Life stage changes everything Your 20s vs 30s vs later life, energy, time, capital, and priorities.15:20 – The pros and cons of going bigger early Bigger numbers on paper, but bigger pressure, risk, and consequences.32:00 – The core lesson most people miss Your first property's job is learning, not perfection or speed.Key Talking PointsWhy copying online investors rarely worksHow market cycles and interest rates affect strategy choiceTime vs money vs energy, which one really mattersWhy mistakes feel more expensive later onThe danger of skipping steps too earlySeparating ego from long-term decision makingWhy calm decisions usually beat flashy onesKey Phrases and KeywordsProperty investing for beginners, start small property investing, buy-to-let vs HMO, first property investment, BRRR strategy explained, property strategy by life stage, FIRE property investing, house hacking UK, scaling property portfolios, avoiding shiny penny strategies, property decision making, long-term wealth buildingIf this episode resonated, we would love to hear what reverse retirement looks like for you. Send us a DM or leave a comment and tell us what small step you are taking next.See you in the next episode.

In today's episode, I'm breaking down the real role mentorship plays in building a successful HMO business - what it actually does, when it makes sense, and how it can materially change your results if used properly.Mentorship isn't a silver bullet. It won't magically fix a broken strategy or replace hard work. But used at the right time and in the right way, it can dramatically improve decision-making, reduce risk, and accelerate progress. Most costly mistakes in property don't come from bad intentions - they come from lack of clarity, poor sequencing, and limited experience.This episode is about perspective and precision. I walk through the five core benefits of mentorship, real-world examples of how the right guidance saves time and money, who mentorship is (and isn't) for, and how to make a considered choice about who you should learn from.

In this week's episode of The Property Rebel: Arsh Ellahi pulls back the curtain on exactly how he analyses a property deal before committing — from spotting below-market-value opportunities to deciding whether a house works better as a HMO or a small block of flats. Using real numbers and examples from his own portfolio, Arsh walks through location checks, floor plans, Article 4 rules, conversion costs, and why commercial valuations can dramatically change the outcome of a deal. He also explains how he compares cashflow, refinance potential, management workload, and exit strategies before choosing the best route forward. Whether you're weighing up HMOs versus apartments or simply want a clearer framework for assessing your next purchase, this episode is a practical masterclass in thinking like a professional property investor — not just buying houses, but building scalable strategies. 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 today's episode, I'm breaking down my 16-step Find to Fill process - the exact system I use to take an HMO project from identifying the right property through to launching it and filling rooms fast.If HMOs were as simple as buy, refurb, advertise, and move tenants in, far fewer investors would be dealing with delays, budget overruns, planning issues, and long voids. In reality, most problems don't come from the market - they come from missed or poorly sequenced steps earlier in the process.This episode is about clarity and control. I explain the full Find to Fill sequence, the steps investors most often overlook, and why getting the order right is what separates smooth, profitable projects from stressful, expensive ones.

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

In this week's episode of The Property Rebel: Arsh Ellahi goes on a straight-talk rant about one of the biggest mistakes investors make — coming across too desperate to do a deal. He breaks down how buyers often inflate figures, stretch rents beyond reality, or fabricate numbers just to satisfy a seller, only to be hit hard later by down-valuations, surveyors, or refinancing issues. Using a real HMO example, Arsh explains why unrealistic assumptions can trap your capital and stall your entire portfolio. Arsh shares why every deal must work for both buyer and seller, and why having clear entry and exit strategies is non-negotiable. From lender selection to income realism and broker conversations, this episode is a must-listen if you want to protect your money, avoid painful surprises, and build a portfolio that allows you to scale deal after deal — without desperation driving your decisions. 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

“What if retirement is backwards?”What if the way we have been taught to retire is backwards?In this episode, we unpack the idea of reverse retirement, why more people are opting out of the traditional wealth race, and how to build a life that feels lighter now, not just “someday”.We talk honestly about burnout, delayed gratification, FIRE, property as a tool (not an identity), and why designing time, energy, and location freedom earlier matters more than ever in 2026.This is not about quitting work or rejecting ambition. It is about building wealth in a way that supports your life today as well as your future.What we cover• Why the traditional retirement model feels broken • The rise of reverse retirement and sabbaticals • Delayed gratification vs living well now • Burnout, energy management, and modern work • FIRE explained (without the extremes) • Redefining what “wealth” actually means • Property as a tool, not a personality • Fewer assets, more peace • Diversifying income in a volatile world • Designing your days intentionallyChapters00:00 Intro and why retirement feels backwards 02:00 Why people are questioning the old model 05:00 Delayed gratification vs fear-based living 09:40 Reverse retirement and FIRE explained 11:30 Designing freedom without quitting ambition 14:00 Redefining wealth, time and nervous system safety 18:00 Property, peace of mind, and fewer assets 20:40 Letting go of the finish line mentality 22:30 Designing life now, not deferring itKey takeaways• You do not need to wait until 65 to experience freedom • Wealth is not just money, it is time, energy, and flexibility • Burnout often arrives before success if you ignore balance • FIRE does not mean doing nothing or living miserably • Property works best when it supports your lifestyle, not your ego • Designing your days is designing your lifeIf this episode resonated, we would love to hear what reverse retirement looks like for you. Send us a DM or leave a comment and tell us what small step you are taking next.See you in the next episode.

Why You Should Listen:  In this episode, you will discover how addressing parasites and dental issues can unlock better health and why real healing is rarely an Accidental Cure. About My Guest: My guest for this episode is Dr. Simon Yu.  Simon Yu, MD combines internal medicine with integrative medicine at Prevention and Healing, Inc., in St. Louis, MO.  As an HMO regional medical director, he saw the limits of a medication-management approach to patients with complex chronic illness.  He studied integrative and biological medicine, took 300 hours of medical acupuncture training, and researched dental, fungal, and parasite problems.  He served as a medical officer in the U.S. Army Reserve for 25 years, retiring as a full colonel.  Dr. Yu lectures in the US and abroad. He offers Acupuncture Meridian Assessment (AMA) Training to help detect problems for doctors and dentists in St. Louis and in Germany.  He has an MD from the University of Missouri School of Medicine, has an MS in Immunology, is certified by the American Board of Internal Medicine, a member of American College of Physicians, and is on the advisory board of the International College of Integrative Medicine.  Key Takeaways: Where does Artificial Intelligence fit in addressing complex, chronic illnesses? What are the more common patterns of meridian dysregulation observed? How are most parasites acquired? Are parasites always bad for the body? What are the more common medications used to address parasites? Does mold in the external environment impact parasite treatment or dental interventions? Are all parasites that impact health physical? How is the treatment of fungal issues approached? Should patients test their home for mold? What types of dental issues are most commonly impacting patients? How does testing for the DNA of oral pathogens inform treatment? What long-term oral hygiene strategies may be helpful? Are implants appropriate after an extraction? How has treating complex patients changed with COVID? Is spike protein detoxification now part of the healing approach? Do EMFs negatively impact health? Are conditions such as Ehlers-Danlos Syndrome and Morgellons approached differently? What are some top detoxification strategies? Is "autoimmunity" the result of chronic infections? What is the best approach for optimizing the microbiome? What are some of the emerging treatment interventions from SOZO Brain Clinic? Connect With My Guest:  PreventionAndHealing.com Related Resources: Book - Accidental Cure 3: AI vs. Ancient Intelligence Interview Date: January 7, 2026 Transcript: To review a transcript of this show, visit https://BetterHealthGuy.com/Episode227. Support the Show: To support the show and Buy Me a Coffee, visit https://betterhealthguy.link/BuyMeACoffee. Additional Information: To learn more, visit https://BetterHealthGuy.com. Follow Me on Social Media: Facebook - https://facebook.com/betterhealthguy Instagram - https://instagram.com/betterhealthguy X - https://twitter.com/betterhealthguy TikTok - https://tiktok.com/@betterhealthguy Disclaimer:  The content of this show is for informational purposes only and is not intended to diagnose, treat, or cure any illness or medical condition. Nothing in today's discussion is meant to serve as medical advice or as information to facilitate self-treatment. As always, please discuss any potential health-related decisions with your own personal medical authority. 

As we step into 2026, there's no shortage of opinions about what the property market is going to do next. Some people are calling for a boom, others are predicting a crash. So in today's episode, I'm laying out how I genuinely think 2026 will play out for HMO investors based on the data, the conversations I'm having across the market, and my own experience of building and operating HMOs at scale.This episode is about clarity. It's about cutting through the extremes and understanding why a steady market is often the best environment to build a serious HMO business. I talk about what's likely to happen with rents, house prices, tenant behaviour, lending, regulation, and why execution, margins, and systems will matter more than ever this year.I also explain where I think opportunities will start to emerge as tired and overextended landlords begin to exit and what you need in place if you want to be in a position to take advantage of that.

In this episode of the Scottish Property Podcast, Kyle Black returns one year after his last appearance to share what has been a transformational 12 months for his property business, BLK. Kyle breaks down how he scaled rapidly, built an integrated “one-stop shop” model for investors, and why accountability, transparency, and long-term relationships sit at the core of everything he does.This episode is a deep dive into real portfolio growth, business structure, and what it actually takes to scale sustainably in today's market.

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 Esther Smith, a successful property investor, corporate contractor, and busy parent. Together with her husband Mark, Esther has built a portfolio of HMOs leased to supported living providers such as Serco. The conversation explores how to strategically balance property investing with a demanding career and family life, and dives into the practicalities and pitfalls of the supported housing model.Esther Smith is a contractor in the corporate world and a mother of young children, one of whom has autism. Esther brings a realistic, no-frills perspective to property investing, blending analytical skills, financial forecasting, and an acute awareness of social needs to build a portfolio with both purpose and profit.What You'll Learn:Why supported living HMOs can be a smart long-term investment strategyThe real timelines and work involved before a property begins cash flowingHow to manage property investing alongside a demanding job and family lifeTips on working with providers like Serco and handling bureaucratic challengesThe importance of aligning investment strategies with personal and family goalsTimestamps[00:00] – Introduction to the Episode[02:18] – Why Esther chose property investing alongside a corporate career[04:32] – Transitioning to HMOs and choosing supported living as a strategy[06:08] – Challenges of property management and moving outside London[08:31] – The importance of patience and persistence in property[11:15] – The true timeline to cash flow a supported living HMO[19:30] – What to expect during refurb and compliance processes[26:24] – Lease signing: navigating Serco's contracts and requirements[32:28] – Lending, insurance, and operational costs: myth vs reality[42:01] – Long-term goals, charitable aspirations, and future plans[47:37] – Wrapping up: advice on staying focused and aligned with your goals[51:37] – Where to connect with Esther SmithThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Esther Smith Socials:LinkedIn: https://www.linkedin.com/in/esthersmith1Website: https://espeopleandchange.com/Follow Sarah Blaney Socials:LinkedIn: https://www.linkedin.com/in/sarahpropertyandbusiness/ Facebook: https://www.facebook.com/sarah.blaney.1232Instagram: https://www.instagram.com/sarah.in.property/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylifeYouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

In today's episode, I'm joined by one of my mentees, Royce Turville, to break down exactly how he's gone from steady, stop-start portfolio growth to building real momentum - raising more finance, doing better deals, and installing the systems needed to scale without burning out.Royce shares the full story behind his journey: starting out as an “accidental landlord”, spending years building a base of single lets, then hitting that ceiling many investors reach - where the portfolio grows, life gets busier, and the business starts to feel heavier instead of freer. We unpack what changed from 2024 onwards, how he got clear on what he actually wanted, and the simple actions that unlocked serious progress fast.If 2026 is the year you want to properly build your HMO business and you want a real, relatable example of what's possible when you execute the basics consistently, this is an episode you don't want to miss.

If you've listened to episodes one and two, you've hopefully figured out where you are now and have your goals in place – so what next?  In the third part of this mini series, Rob & Rob walk you through setting a winning strategy for 2026…  (1:40) Which property strategy is right for you?    (1:50) Property flips   (3:50) HMO'S (house in multiple occupation)   (5:22) Student lets   (6:42) Buy-to-let   (8:39) Short-term lets   Links mentioned:   Which property strategy is right for you?   How to create a property strategy, Part 1   How to create a property strategy, part 2   How to create a property strategy, part 3    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  Find out more about Property Hub Invest 

“Boring is actually very sexy.”In a world of viral investing advice, crypto memes, and “get rich quick” promises, diversification can feel… boring.But what if boring is actually the point?In this Freelancer Edition of the Honest Property Podcast, we unpack why simple, boring, diversified strategies are often the ones that quietly build real wealth — especially if you're self-employed, creative, or easily distracted by shiny new ideas (we see you

#260Our 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 is the eleventh episode in this year's mini-season celebrating the 12 Days of Christmas.We're releasing daily bite sized episodes.Each one contains clips from three of my favourite episodes from 2025.Today's show features extracts from:#245: Inside the World of Assisted Sales (Paul Stapleton)#247: Why You Should Buy UK Property Now (Will Mallard)#248 How to Find Big Discounts with Direct to Vendor Marketing(Keith Firmin)KeywordsUK property podcast, Expat property story, UK property investing, Buy-to-let investment podcast, UK property market insights, UK real estate podcast, Property investment tips UK, Assisted sale property strategy, Buy discounted property UK, Direct to vendor letter campaigns, UK property sourcing advice, Expat property investing UK, Building a UK property portfolio, Investing in Greater Manchester property, Hands-free property investment UK, Property networking UK, Finding property deals UK, Residential vs buy-to-let UK mortgages, Probate property UK buy, Motivated seller UK property, Property investor podcast UK, UK house price negotiation, HMO property investment UK, Property valuation UK podcast, Council landlord meeting property, Finnegan MacNeill Property Group, Darren McNeill property sourcing, Will Mallard property advice, Paul Stapleton assisted sale expert, Keith Firmin direct to vendor strategy

#259Our 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 is the tenth episode in this year's mini-season celebrating the 12 Days of Christmas.We're releasing daily bite sized episodes.Each one contains clips from three of my favourite episodes from 2025.Today's show features extracts from:#242: Should Your First UK Property Investment Be a Flip? (Justin Wilkins)#243: Doctors & Nurses: HMOs Near Hospitals (Tom Appleton)#244: What You Need to Know About Probate Property ( Dan Marsden)Keywords UK property podcast, Expat property investment UK, Hands-free property investing, Buy-to-let property UK, Property sourcing strategies UK, HMOs UK, HMO property management tips, UK property statistics, UK auction property insights, Probate property auctions UK, Manchester investment property, Expat landlord UK, Passive income through property UK, UK property deal stacking, Property portfolio management UK, UK property renovation tips, High yield UK property, Property market trends UK 2024, Expat property advice, UK property cycles, FR&I lease property UK, Student property investment UK, Housing officer contact UK, Council leased property UK, Auction vs estate agent sales UK, Property deal flow UK, Sourcing property deals UK, Property investment goals UK, Property inspection checklist UK, Expat property podcast

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.

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.

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

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.  

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

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

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:

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.

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)

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,...

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

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

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