Podcasts about hmo

Welcome to this special mini ep of HMO! I missed you the last 2 weeks so I'm giving you some extra eps to show the love. On this episode, we're talking my latest travel scare (sounds dramatic but you'll get it once you listen!) and then I jump into your burning Help Me Out's where we discuss what to do when you're bored in a relationship + how you should handle 2 of your friends dating.. enjoy xxSee omnystudio.com/listener for privacy information.

This episode features Prof. Christopher Stewart PhD from Newcastle University (UK), speaking about the factors affecting gut microbiota development in both non-preterm and preterm infants. Prof. Stewart started in the field of environmental microbial ecology and then came to work in human microbiome research. He was involved in the landmark TEDDY study, which aimed to find gut microbial markers of type 1 diabetes (T1D). Although no microbial triggers of T1D were identified, the study found a number of factors that impact gut microbiome development: for example, sex, geographical location, and living with furry animals. Still, most of the variation seen in the infant gut microbiota remains unaccounted for. He noted that infants are exposed to both vaginal and gastrointestinal microorganisms during vaginal birth. In C-section-born infants, seeding of the maternal vaginal and gut microbiota may be promising, but current methods are imprecise and safety has not been established. Furthermore, diet takes over as a primary driver of gut microbiota a few weeks after birth. Prof. Stewart talked about human milk oligosaccharides (HMOs), well known to be utilized by bifidobacteria in the infant gut. His lab recently published the surprising finding that Clostridium species can also utilize HMOs – and while at first this was thought to be detrimental for the infant, further investigation showed that the HMO-utilizing Clostridium may lack the genes for producing specific toxins and end up being protective for the infant gut. Together, the microbial community in the gut may use the full suite of HMO substrates reaching the infant gut. Preterm infants are a population that needs more attention. Antibiotics affect their gut microbiomes – often in a negative way, but for the overall benefit of the baby. His lab is currently funded to study how probiotics affect the preterm infant gut microbiota, and to find strategies for more personalized approaches to administering probiotics in this population. Episode abbreviations and links: TEDDY study, revealing factors affecting gut microbiota development between 3 and 46 months of age: Temporal development of the gut microbiome in early childhood from the TEDDY study Study on how Clostridium species utilize HMOs: Clostridia from preterm infants metabolize human milk oligosaccharides to suppress pathobionts and modulate intestinal function in organoids Study on how NEC risk is linked with HMOs: Human milk oligosaccharide DSLNT and gut microbiome in preterm infants predicts necrotising enterocolitis Publication on how probiotics impact the gut microbiota in preterm infants: Strain-specific impacts of probiotics are a significant driver of gut microbiome development in very preterm infants Some similar results have come from the CHILD Cohort Study, described here Find Prof. Stewart on LinkedIn, and learn more about his research on this website About Prof. Christopher Stewart: Professor Christopher Stewart is an internationally recognised leader in human microbiome research. He earned his PhD in Microbial Ecology from Northumbria University (UK), followed by postdoctoral training at Baylor College of Medicine (Houston, Texas), before establishing his research group at Newcastle University in 2018. His pioneering work focuses on microbial-host interactions in the gut, particularly in infants born extremely premature (

Send us Fan MailTen different ways to make good money in property investing in 2026 sounds simple until you try to run the numbers and realise how many investors get stuck using only one approach. I'm Mark Fitzgerald, and I'm breaking down a full menu of property strategies so you can stop guessing, start choosing, and build a plan that fits your real life, not a highlight reel.We start with buy-to-let and why the “vanilla” model has tightened as house prices and mortgage rates rise. From there, I explain how the same property can perform very differently depending on the rental strategy, including serviced accommodation (Airbnb and Booking.com) and working with social housing, supported living, and care providers. If you're looking for a lower-capital entry point, we dig into rent-to-rent for HMOs and short-term lets, what costs you take on, and why margins matter more than hype.If you like renovations and big chunks of profit, we talk flips, the risks of a stagnant market, and how assisted sales can let you profit from an uplift without buying the property outright. I also cover BRRR (buy, refurbish, refinance, rent) for building a portfolio, how HMO conversions can create value, and why checking Article 4 planning constraints is essential. Then we hit commercial property realities, the experience barrier with lenders, and how commercial-to-residential conversion can unlock value when planning and valuation line up.Finally, we get honest about predictability versus upside with HMOs and serviced accommodation, including the tax and VAT traps that can wipe out what looks like strong cash flow. If you want more property investing education, subscribe, share this with a friend who's stuck, and leave a review so more investors can find the strategies that actually work.VALUABLE RESOURCES:Let me help you build your property business, Check out how I can support your investing now.Visit https://www.thepropertyunleashed.com/homeMy 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 CircleSupportive Living help www.socialspaces.uk“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...

Most property investors don't struggle because they can't analyse deals. They struggle because they don't know how to make a decision once the analysis is done.Should you buy it? Are you paying too much? Have you missed something important? Or are you simply stuck in analysis paralysis?In this episode, I share the exact 9-step decision-making framework I use to assess property opportunities, manage risk, and make confident investment decisions. After reviewing thousands of deals over the years, I've learned that successful investing isn't about finding perfect opportunities - it's about consistently making good decisions with the information available.

I det här avsnittet pratar Nana om den mentala resan från att vara anställd till att bli investerare. Han diskuterar varför fastigheter egentligen handlar om mycket mer än bara fastigheter, hur mycket nytt man behöver lära sig och varför det kan kännas ensamt att bygga något på egen hand.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

This week on the Trade Legends Podcast, Toni from ALO Electrical has spent over 15 years building a fire and security business from the ground up, and in this episode, he holds nothing back. Toni left school without grades, enrolled on a BTEC business course, bought a motorbike the same day and never went back. He ended up becoming a chef before retraining as an electrician in his 20s, inspired by a family member in the trade. His first job interview involved being handed a plug and told to wire it on the spot, and that moment stuck with him. He went self-employed in 2009, founded ALO Electrical, and has been building it ever since. But it hasn't always been smooth. Toni opens up about a large-door entry and auction system job at a stately home — £14-15k of work — that didn't pay for 9 months. Lying awake at night, wondering where the money was coming from. And how that experience made a 50% deposit on every job completely non-negotiable from that point forward.Toni also get's into the real challenges of taking on apprentices as a smaller firm, what colleges are getting badly wrong about preparing young people for the trades, and the hidden electrical dangers Toni regularly finds on site that builders have left behind, including a fire alarm system in an HMO that had been relocated, cabled chopped off, and left dead in the wall with tenants still living there. We round off with a conversation about the financial burden on self-employed people right now, and why understanding your own numbers is the single most important thing you can do as a trades business owner.

#300To celebrate Episode 300 we take you back through some of the features that have fallen by the wayside.Think of it as a nostalgic trip down memory lane for those of you who've been here from the start or a way to pique your interest in the back catalogue if you're a more recent listener.I'm sure you'll have as much fun listening as I did putting it all together.Check out our shorts on YouTubeOur 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 GroupFeatures From The PastSoap Story: Retrospective look at the host's personal property journey in a serial, “what happens next” format.Monopoly Challenge: Guests have 30 seconds to name as many Monopoly board squares as possible without repetition.Guest Jokes: Guests bring a joke related to property to the interview.Postcode Challenge: Guests answer three multiple-choice questions about their chosen postcode area.Desert Island Property Disc: Guests select a song related to property they would take to a desert island (no repeats allowed).My Minimo: Guests choose three ideal (historical, living, or fictional) housemates for a mini HMO (house of multiple occupancy).Property Adjectives: Guests pick three adjectives they think are key for successful property investing.Property Disasters: Guests recount their worst property-related mishaps and share the lessons learned.KeywordsUK property, UK property investing, UK property investment, UK property market, UK property podcast, UK property auctions, UK property strategies, UK property portfolio, Expat property investing, Buying property UK, UK property stories, UK property experts, UK property for expats, UK property tax, Student HMO UK, Serviced accommodation UK, UK landlord tips, Due diligence UK property, UK property books, How to buy UK property from abroad, UK property strategies for expats, UK property auction guide, UK student HMO investing, UK property disasters and lessons learned, Best books for UK property investors, Setting up a UK property limited company, Top UK property podcasts for expats, Building a UK property portfolio as an expat, Choosing a letting agent UK, UK property networking tips, How to build resilience in UK property investing, UK property case studies for expats, Step-by-step UK auction buying process, UK property checklist for expatsCheck out our new YouTube Channel @ExpatPropertyStory

ANNOUNCEMENT: If you're a caregiver based in New York State or still have family in New York, join me on Thursday June 18th for my webinar, Caregiving: A Public Health Issue. 8pm est; $15 per person.Sign up here: https://www.eventbrite.com/e/1991026454723?aff=oddtdtcreatorOn this episode of The Social Work Rants Podcast, I discussed the changes to reimbursement rates for providers using CPT codes 90834 and 90837 on the Alma platform, effective July 15th. The changes involve adjusting the rates for session durations, with code 90837 (53 minutes and up) being reimbursed at the same rate as code 90834 (37-52 minute sessions). Basiliso also mentioned the impact of inflation on these changes, citing a recent 4.2% inflation rate.Inflation and Mental Health ConcernsI discuss the impact of inflation on various aspects of life, including healthcare costs and gas prices, noting that while President Biden reduced the national inflation rate, many expenses continue to rise. I expressed concerns about technology platforms like Headway that visually scan patients during mental health sessions, citing ethical issues around patient privacy and surveillance. I also mentioned challenges with audits and payment reimbursements for agencies.I highlight the work of Justin Gillespie from Blue Cross Blue Shield of Michigan, who is working on legislation to address reimbursement rates at both state and national levels.Payer Regulation Impact on NonprofitsI discussed recent payer regulation changes affecting Medicaid and HMO services, including increased denial rates and higher audit frequencies leading to potential nonprofit closures. They highlighted budget issues in New York City affecting nonprofit organizations' ability to pay staff and bills. Basiliso noted that the full impact of the HR1 legislation may not be fully realized until after the November general election.Medicaid Recertification Changes UpdateI also warned about upcoming changes to Medicaid recertifications and a new work requirement effective in July, which will require individuals to show proof of working up to 80 hours to maintain their benefits. These changes will significantly impact vulnerable populations and make social workers' jobs more challenging. The discussion was presented as educational content to help professionals understand the evolving landscape affecting their work.

Paul and Pascale Averill are full time property investors, parents and workers who've invested within Australia and overseas! Despite working in remedial massage and nutrition respectively, Paul and Pascale Averill have been able to create a life of flexibility that sees them tag teaming to work with clients, manage their properties and take care of their daughter.Join us in this episode as we find out how they built their current eight property portfolio. how they are able to invest in New Zealand, the UK and Australia and why their childhood and upbringing inspired them to achieve financial freedom through property. We'll also find out about their use of the HMO (house in multiple occupation) model in the UK and everything they've learnt on their journey so far! Hosted on Acast. See acast.com/privacy for more information.

Paul and Pascale Averill are full time property investors, parents and workers who've invested within Australia and overseas! Despite working in remedial massage and nutrition respectively, Paul and Pascale Averill have been able to create a life of flexibility that sees them tag teaming to work with clients, manage their properties and take care of their daughter.Join us in this episode as we find out how they built their current eight property portfolio. how they are able to invest in New Zealand, the UK and Australia and why their childhood and upbringing inspired them to achieve financial freedom through property. We'll also find out about their use of the HMO (house in multiple occupation) model in the UK and everything they've learnt on their journey so far! Hosted on Acast. See acast.com/privacy for more information.

Finding great HMO deals has become harder over the last few years, but creating enough value to recycle your capital and continue growing your portfolio is arguably an even bigger challenge.In this episode, I sit down with our specialist mortgage finance expert Ellie Broadhurst to discuss what's happening in the lending market right now and where opportunities still exist for investors looking to scale.

In this episode of The Blueprint Podcast, and as part of my 2026 Podcast Tour, I sit down with Ant Lyons from YPN (Your Property Network) to discuss what it really takes to build wealth through property, scale a business without burning out, and ultimately achieve financial independence through Living Off The Steam™. Dan shares the realities behind building and selling multiple businesses, scaling a national HMO operation, moving into a family office structure, and why he believes today's market is the best property market he has ever seen. From deal packaging and large-scale commercial opportunities to AI, entrepreneurship and lifestyle design, this is a deep dive into the mindset and mechanics behind long-term wealth creation. Success and Failure are both very predictable. I hope you enjoy. Upcoming Webinar: Replace Your Income From ONE Deal If you've been listening to the podcast and feeling inspired to go out and do deals, I'd like to invite you to join me live. On Wednesday, 17 June at 1pm UK time, I'll be hosting a one-off webinar where I'll show you how to replace your income with ONE deal in 2026. During the session, I'll be sharing: * The Top 3 Deal Strategies for 2026 * The Top 5 Problems You Need to Overcome * How to Work Less, Earn More and Have Fun Doing It It's completely live and won't be repeated.

Join an active community of RE investors here: https://linktr.ee/gabepetersen

It's been a challenging few months in the property market.Rising tenant arrears, stubborn interest rates, contractor failures, affordability pressures, and continued uncertainty around legislation are creating new challenges for landlords and investors across the UK.In this episode, I pull back the curtain and share a completely honest update on what's happening inside my own businesses right now. From portfolio performance and tenant issues to development projects, AI efficiencies, and where I'm deploying capital next, this is a transparent look at the realities of investing in today's market.

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ Starting from a council estate in Manchester, Mike Chadwick ended up working in the applied economics department at Cambridge University, taught and did research there. Mike was also part of the team that wrote the strategy for London for attracting global IT and headquarters companies and improved the steel works in South Wales. But after years of exchanging time for money, he wanted to be able to make more from his talent. A free Progressive Property seminar set him on the path that transformed his finances and outlook. He explains how persistence, education, the right mentoring and networking helped him create multiple streams of income from property. Using win-win deals Mike has helped lots of people as well as himself. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast   KEY TAKEAWAYS ·       Mike didn´t get involved in property until his late 30s. It´s never too late to learn. ·       Property success can be a numbers game. Initially, Mike looked at 60 properties, made offers on 58 of them and secured two. But holding out for the right deal meant he doubled his money on them. ·       There are many ways to make money from property – Progressive teaches them all and how to choose the right ones for you. ·       Progressive continually updates the methods they teach. Mike takes advantage of this to diversify e.g. he is currently giving Rent to HMO a go. ·       Profession relationships are vital – they help you uncover deals others miss and make what others can´t do, possible for you. That is why Progressive provides so many networking opportunities. BEST MOMENTS  "You get to the point where you think, well, is this it, am I going to be doing this sort of forever? selling my time for money."    "It's all about creating these win-win scenarios .…I personally don't go into any property deal if someone's going to lose."    “Having multiple streams of income has never been more important … it secures you against a really fast-changing world that we're living in.”     EPISODE RESOURCES Multiple Sources of Income Event - https://progressiveproperty.co.uk/msopi/   Join Mark Chadwick at the Progressive Property Network Event, that he hosts in Manchester - https://progressivepropertynetwork.co.uk/event-south-manchester     VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk   ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people's property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty https://kevinmcdonnell.co.uk TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this Deals Deals Deals episode of the The Blueprint Podcast, host Mark Barrett is joined by investor, entrepreneur and Property Entrepreneur Board Member Chris Moss. Chris shares how he transitioned from building a £1m buy-to-let portfolio in Newcastle into larger partnership-led developments and block investments in Dublin, contributing towards a €10 million portfolio generating approximately €30,000 per month cashflow. The conversation covers scaling through strategic partnerships, raising investor finance, structuring larger developments and recycling capital to accelerate portfolio growth. Chris shares lessons on building credibility, attracting investors and thinking bigger through long-term wealth strategies. Chris also breaks down a recent development project that created over €900,000 in equity uplift: Purchase Price: €831,000 Refurbishment Costs: €525,000 Total Costs: €1.54m End Value: €2.45m Equity Created: €912k+ Monthly Income: €10,440+ Success and Failure are both very predictable. I hope you enjoy.   Work With Mark / The HMO Agent: If you're an Investor or HMO landlord and want to: Discuss investment opportunities Explore long-term lease options Sell your HMOs, blocks or portfolio Build or scale your portfolio Visit: www.thehmoagent.com Arrange a call with Mark: https://calendar.app.google/Q7DMSzZ7cqtWdUf36   Connect with Chris Moss: Instagram: https://www.instagram.com/chrismoss.1/ Facebook: https://www.facebook.com/c.moss.11   If your business can't run without you, it isn't built properly yet. At the Blueprint Summer Retreat, 14–16 July 2026, you'll learn how to build a business that runs without your constant involvement. Three days. Real structure. Proven Blueprints. Learn more: https://theblueprintretreat.co.uk/   Want to learn more?

I det här avsnittet gästas vi av Roel som delar med sig av sin resa inom UK property, från att ta sina första steg genom en utbildning i Sverige till att genomföra riktiga fastighetsaffärer och utvecklas vidare genom vår mentorskap och mastermind.Bio: Roel Lammers är en svensk fastighetsinvesterare baserad på Värmdö, med en växande fastighetsportfölj i England. Tillsammans med sin fru Jenny och via sitt bolag Little Green Hill Ltd förvärvar och förädlar de befintliga fastigheter och omvandlar dem till välskötta och trivsamma hyresbostäder.Följ hans resa på Instagram, läs mer på littlegreenhill.uk, testa hans kalkylverktyg på propertydealanalyser.uk eller connect på LinkedIn.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

The last time Scotland launched this fund it had £60 million and it was gone in eight days. This time they've got £100 million. Nick and Steven give it two weeks.

My Life as a Doctor: Reflections on Burnout, Calling, and Retirement by Stan Eisele, M.D. Authorstanmd.com https://www.amazon.com/My-Life-Doctor-Reflections-Retirement/dp/B0H22RBR21 A deeply honest physician memoir about burnout, calling, retirement, faith, and the human side of medicine. After forty years in medicine, Dr. Stan Eisele thought he understood what it meant to serve others. He was wrong. In My Life as a Doctor: Reflections on Burnout, Calling, and Retirement, Dr. Eisele shares a personal and thoughtful journey through the life of a physician. From the childhood loss that first drew him toward the healing professions, to the demands of medical school, residency, patient care, healthcare bureaucracy, career burnout, and the emotional transition into retirement, this memoir offers a clear and moving look at what it means to live a life of service. Dr. Eisele begins with the story of Chippers, his beloved childhood dog, whose illness became the first moment that opened his heart to medicine. What began as a desire to help animals slowly became a calling to care for people. His path led him through medical school at USC, internal medicine training, and decades of practice as a primary care physician. But the dream was not always easy. As the healthcare system changed, Dr. Eisele faced the pressure of insurance restrictions, HMO systems, corporate medicine, overwhelming documentation, emotional exhaustion, depression, and physician burnout. At times, the work that once felt like a calling began to feel like a burden. Then came a turning point. A move from San Diego to Eagle, Idaho, restored his sense of purpose and helped him reconnect with the heart of medicine: compassionate patient care, faith, family, and service. Later, a sudden life-threatening heart attack placed him in the unfamiliar role of patient instead of doctor. That experience changed his understanding of care, vulnerability, gratitude, and healing. In retirement, Dr. Eisele discovers that calling does not end when a career ends. Through community, music, faith, and service, he finds new ways to give back and a deeper understanding of what it means to live with purpose. This book is ideal for readers interested in: Physician memoirs and doctor stories Medical memoirs about burnout and healing Faith-based reflections on calling and purpose Retirement, identity, and life transitions Patient care, compassion, and the human side of healthcare Inspirational nonfiction about perseverance and service My Life as a Doctor is more than a medical memoir. It is a story of purpose, resilience, gratitude, faith, and the quiet strength found in showing up for others with compassion, humility, and grace.

Most investors hear the words “Article 4” and immediately assume the opportunity has gone.But the reality is very different. Some of the strongest and most valuable HMO markets in the UK are under Article 4 directions, and experienced investors are still buying in these areas every single day.In this episode, I break down what Article 4 actually means, why so many investors misunderstand it, and how professional HMO investors assess and mitigate planning risk before committing to deals.

Rockfire Resources PLC (LSE:ROCK) chief executive David Price talked with Proactive's Stephen Gunnion about the company's Molaoi project in Greece and why the asset is becoming increasingly important within Europe's critical minerals supply chain. Price explained that while Molaoi is primarily a zinc project, the company is placing growing emphasis on the germanium contained within the deposit. He described germanium as “quite a valuable byproduct at this stage,” highlighting its importance in semiconductors, automotive technology and military applications. Price discussed the strategic advantages of operating in Greece, describing the country as a safe and mining-friendly jurisdiction with established underground mining expertise. He also pointed to Europe's increasing focus on securing domestic supplies of critical minerals, noting that Rockfire could become an important future supplier of germanium to the region. Price said: “Rockfire is in a great position for that,” when discussing Europe's need for a secure germanium supply. The discussion also covered recent drilling activity at Molaoi, where holes HMO-015, HMO-016 and HMO-017 returned strong zinc, silver and germanium mineralisation. Price noted that recent results demonstrated both strong grades and continuity across the system, while ongoing drilling aims to upgrade the resource from inferred to indicated status. Price outlined upcoming catalysts for investors, including continued assay results, progress toward feasibility studies and the acquisition of the company's own drill rig to improve operational flexibility. Watch the full interview for more insights into Rockfire Resources' strategy, drilling progress and the growing importance of germanium in global markets. Visit Proactive's YouTube channel for more videos, give this video a like, subscribe to the channel and enable notifications for future content. #RockfireResources #DavidPrice #Germanium #CriticalMinerals #Zinc #Silver #Mining #EuropeMining #GreeceMining #MineralExploration #ResourceStocks #BatteryMetals #CommodityMarkets #Investing #ProactiveInvestors

Building a property portfolio is one thing, but scaling into larger commercial projects is a completely different challenge altogether.The numbers get bigger, the risks increase, and suddenly every decision carries a lot more weight. It's no longer just about buying another property. You need to understand finance, planning, construction, risk management, and how to create projects that genuinely perform long term.In this episode, I sit down with property investor and developer Dan Linton to talk about the reality of scaling from smaller buy-to-lets into larger commercial conversions and high-cash-flow HMOs.This isn't just a conversation about impressive numbers or a successful deal. It's an honest look at what it actually takes to grow a property business sustainably. Dan shares the story behind his former gym conversion - a 16-room HMO generating more than £6,000 net cash flow every month and the lessons, challenges, and setbacks that came with it.

I det här avsnittet går vi igenom hur UK fastighetsmarknaden har förändrats sedan 2019, varför det blivit svårare att investera och hur ökade kostnader, nya regler och skatter påverkar investerare idag.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

17 years in the Royal Air Force. Iraq. Afghanistan. The Falklands. Then he walked away — 3 years short of a guaranteed pension — to go all in on property.

Jim Chalmers handed down the 2026–27 Federal Budget last night — and Neil Gibb's phone hasn't stopped ringing since. Three massive changes landed for property investors. And if you've been building cashflow positive, new build properties? The government just validated everything. In this episode Neil breaks it all down piece by piece — what changed, what it means for your portfolio, and exactly what you should be doing right now. ───  THE 3 BIG CHANGES: 1. NEGATIVE GEARING — ABOLISHED FOR ESTABLISHED PROPERTIES Millions of Australians built their entire investment strategy around negative gearing because the government told them to for decades. Now the goalposts have moved. If you owned or contracted on a property before Budget night — you're grandfathered. Nothing changes until July 2027. After that, losses can only be offset against other property income, not your wages. New builds? Fully protected. The government is pointing every investor in one direction: new construction. 2. CAPITAL GAINS TAX — THE 50% DISCOUNT IS GONE Buy an established property after Budget night and the 50% CGT discount disappears from July 2027. It's replaced with CPI indexation — you only pay tax on the real gain above inflation, but a 30% minimum tax applies regardless. New build investors get to CHOOSE at the time of sale — whichever treatment is more favourable. That's a meaningful structural advantage handed exclusively to new build investors. And here's the kicker: if you've been quietly thinking about selling, you now have a 14-month window. Anyone who sells before 30 June 2027 gets the full 50% discount on the entire gain. The smart money is already doing the numbers. 3. DISCRETIONARY TRUSTS — THE RULES JUST CHANGED A lot of investors hold properties inside discretionary trusts to split income across family members on lower tax rates. From July 2028, a 30% minimum tax applies to all distributions first. The entire point of distributing to lower-income family members? Gone. Cycling income through bucket companies to get to 25%? Closed. There IS a rollover relief window — July 2027 to June 2030 — to restructure without triggering CGT or income tax. But you need to be planning now, not in 2028. ─── WHAT THIS MEANS FOR HMO PROPERTY CO CLIENTS Every single property we build is a new build. Cashflow positive from day one. Our clients have never relied on negative gearing to make the numbers work — not once. The capital gains changes actually favour our clients, who get to choose the best treatment at sale. And yes, we need to have a conversation with accountants about the trust changes. But the core strategy? The government just confirmed it was right all along. ─── WHAT THE GOVERNMENT ISN'T TELLING YOU Buried in the budget papers, Treasury's own modelling estimates these changes will produce 35,000 fewer dwellings over the next 10 years. The same government saying this budget fixes housing affordability has modelled it producing fewer homes. Fewer rental properties. Same demand. Rents go up. Yields increase. Investors come back. Neil explains the full cycle — and why he thinks the market impact started at 7:30pm last night, not July 2027. Learn how we build cashflow positive HMO properties: https://www.thehmopropertyco.com Follow us on Instagram: @thehmopropertyco Subscribe to The HMO Property Show for weekly property insights #FederalBudget #Budget2026 #NegativeGearing #PropertyInvesting #AustralianProperty #HMOProperty #PerthProperty #CapitalGainsTax #NewBuilds #CashflowProperty #PropertyInvestor #FinancialFreedom #RealEstate #WealthBuilding

Most people think successful property investing is all about knowledge, deals, or finance.But after nearly 20 years in property, I've realised the investors who consistently succeed operate very differently from everyone else.In this episode, I break down the five key traits I see in the most successful property investors - the habits, mindsets, and behaviours that help them spot opportunities, build momentum, and keep progressing when others get stuck.

Being uninsured, speaking a different language, or not understanding a 40-page form should never decide who lives or dies. In this episode, patient navigators Laura Tovar and Elizabeth Esparza walk us through what really happens after an uninsured woman hears “you have breast cancer” at The Rose. They explain how they review applications before diagnosis, sit in the room with the radiologist, and answer the first question they always hear: “How am I going to pay for this?” They also talk about the maze behind assistance programs for uninsured patients, what it takes to keep coverage from lapsing in the middle of chemo, and the impossible choices some families face during their breast cancer journey. Along the way, Laura and Elizabeth share what it costs them emotionally to carry these stories, why they sometimes cry with husbands and children, and how quilts, gas cards, summer camps, and rent assistance become part of making sure no woman has to face breast cancer or the paperwork alone. Support The Rose HERE. Subscribe to Let’s Talk About Your Breasts on Apple Podcasts, Spotify, iHeart, and wherever you get your podcasts. Key Questions Answered 1. What does “patient navigation to treatment” mean at The Rose, and how is it different from scheduling or basic navigation? 2. How do Laura and Elizabeth first learn about a woman, and what happens between her initial mammogram and a positive diagnosis? 3. What are the main treatment access programs for uninsured women in this episode (Harris Health/Gold Card and Medicaid for Breast and Cervical Cancer)? 4. Who qualifies for Medicaid for Breast and Cervical Cancer, and how do income, age, citizenship, and “working quarters” factor in? 5. Why do many newly diagnosed women worry more about cost and payment than about the cancer itself? 6. How do navigators match patients with facilities and oncology practices that actually accept their specific Medicaid HMO plan? 7. What happens when Medicaid coverage lapses during chemo, and how do Laura and Elizabeth intervene to get treatment restarted? 8. How do they explain a breast cancer diagnosis differently to small children, teenagers, and spouses, and why are husbands often the most visibly shaken? 9. What are some of the hardest situations they see, including women moving counties or divorcing to meet eligibility rules, or being asked for large deposits to start chemo? 10. How do Laura and Elizabeth support patients with complex applications, missing documents, language barriers, and repeated denials from eligibility offices? 11. What other practical resources do they connect families to, such as food assistance, utility and rent support, camps for kids, gas cards, wigs, bras, and comfort items? 12. How do they cope with the emotional toll of this work while trying to remain steady for patients and their families? Timestamped Overview 00:00 Dorothy opens with how insurance status, language, and paperwork can determine who lives or dies, and introduces patient navigators Laura Tovar and Elizabeth Esparza.01:45 Laura and Elizabeth share how long they have been at The Rose and the roles they held before moving into patient navigation to treatment.02:35 Dorothy explains “sponsorship” as intake for assistance programs and why The Rose avoids the word “charity.”03:10 Elizabeth defines patient navigation to treatment as helping mostly uninsured, newly diagnosed women find a path into actual cancer care.03:50 Elizabeth describes reviewing applications a day or two before diagnosis to anticipate which treatment program might fit.04:25 Laura walks through what happens on the day a woman learns she has breast cancer and how navigators stay with her after the radiologist leaves.05:30 Elizabeth outlines key treatment programs: Harris Health (Gold Card) for county residents and Medicaid for Breast and Cervical Cancer (MBCC).06:00 Laura and Elizabeth explain MBCC eligibility, including age limits, income guidelines, citizenship, legal residency, five-year residency rules, and working quarters.08:20 They describe the questions women ask first after diagnosis, centered on cost, payment, and whether existing coverage at The Rose will extend to treatment.09:20 Laura explains why The Rose refers many MBCC patients to Texas Oncology and how they choose facilities that accept specific Medicaid HMO plans.10:30 They discuss how confusing HMO choices and insurance concepts are for women who have never had coverage and fear they will have to “pay it back.”11:20 Dorothy notes that many major cancer hospitals do not accept these plans, increasing reliance on a smaller network of providers.12:00 Laura and Elizabeth talk about the need to renew Medicaid every 12 months, how patients can forget during treatment, and what happens when coverage expires mid-chemo.12:35 They describe calling Medicaid, troubleshooting reasons for termination, and sometimes getting coverage reinstated within days.13:40 Dorothy asks how much information patients actually absorb at diagnosis; Laura and Elizabeth estimate many do not hear most of what is said.14:10 Laura explains follow-up calls, longer consultations, and sometimes separate visits to help spouses and children understand the diagnosis and plan.15:10 They share that husbands often cry more than patients because they feel helpless and unable to “fix” the situation or pay for care.16:30 Elizabeth describes how they tailor explanations for children by age, avoiding the word “cancer” with very young kids and framing treatment as strong medicine.17:10 They talk about the emotional toll of this work, the difficulty of holding in tears, and moments when they cry alongside patients.18:20 Dorothy raises the growing number of women who do not meet changing criteria for key programs and need entirely different solutions.18:55 Elizabeth describes families uprooting their lives to move into Harris County so they can qualify for Harris Health coverage.19:40 Dorothy notes some women feel forced to divorce to reduce household income enough to meet eligibility rules.20:20 They mention stopgap strategies like GoFundMe campaigns, cash-pay arrangements, and sliding-scale clinics that still remain expensive for women living paycheck to paycheck.21:20 Laura and Elizabeth share examples of women being asked for large deposits, including a $15,000 payment to begin chemotherapy.22:10 They discuss the complexity and length of application packets like the Harris Health form and why careful completion matters.22:40 Laura explains how nerves cause patients to make simple errors—wrong dates, missing boxes—that delay approval for months.23:30 They describe helping women who were diagnosed elsewhere but come to The Rose for help with Gold Card or other eligibility obstacles.24:10 Laura outlines how they review documents, join three-way calls with agencies, and clarify what paperwork is actually missing.24:50 Elizabeth explains why they personally deliver applications to eligibility centers instead of relying on patients who lack transportation or time.25:35 Dorothy reflects on her earlier belief that a diagnosis and pathology report would be enough, and how language and bureaucracy proved otherwise.26:20 She recalls that the realization of repeated denials and confusion led directly to creating the Patient Navigation to Treatment program.27:15 Elizabeth shares work with Rice University and Camp Kesem to connect children of cancer patients with supportive summer programs.28:10 Laura and Elizabeth list other resources they connect families to, including food banks, rent and utility help, medication support, gas cards, wigs, bras, prostheses, and comfort bags.29:20 Dorothy highlights the impact of donated quilts, heart pillows, and small items that remind women someone cares about them.30:00 Laura and Elizabeth admit that the work is overwhelming at times, especially when they cannot find a path to treatment for a particular woman.30:30 Dorothy closes by emphasizing that, for most uninsured patients, Laura and Elizabeth are the bridge to treatment and invites listeners to recognize and support this work.See omnystudio.com/listener for privacy information.

En este episodio de The BiggerPic Edit, junto a la Dra. Sofía López, neonatóloga, exploramos qué son los HMO, cuáles son sus funciones en el desarrollo del bebé, y la pregunta clave: ¿realmente hacen a las fórmulas más cercanas a la leche materna, como promete el marketing? Hablamos de ciencia, no de ideología. Porque ser pro-lactancia no significa ser anti-fórmula, y entender las diferencias reales nos ayuda a tomar decisiones más informadas. Porque "acercarse a" no significa "ser equivalente." Datos de contacto de la Dra. Sofía López: @dra.sofialopezdearriaga Citas: (81) 2745 7860 y (81) 2745 7861

Ever wondered why a deal that looks great on paper still ends up underperforming?After reviewing over a thousand HMO deals, I can tell you - it's rarely bad luck. It's the same mistakes showing up again and again.In this episode, I break down exactly where investors are going wrong. Not with complex, unpredictable issues but with the fundamentals. The assumptions, the numbers, and the gap between what we think will happen and what actually does.

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

I veckans avsnitt uppdaterar vi kring vad som händer i våra projekt just nu och det är som vanligt både upp och ner.Vi går igenom vår senaste omfinansiering där vi fick en nedvärdering och vad det innebär när man måste börja om processen. Vi delar också hela storyn kring Leeds BTL och processen med “meddling”, samt uppdaterar kring Small Court där vi nu väntar på besked.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

In this milestone episode of The Blueprint Podcast, Mark Barrett is joined by Dan Hill to review the first 50 deals featured on the Deals, Deals, Deals episode series. Across these deals: £30M+ equity created £5M+ profit generated £5M+ annual cashflow achieved We cover: A breakdown of the Wealth Hierarchy and Financial Fortress concepts Real examples of deals across cashflow, profit and equity strategies Key patterns that have emerged from analysing 50+ real property deals A summary of the most common lessons shared by guests Mark's own insights from hosting and reviewing every episode If you're looking to: Achieve financial and time freedom Build or scale your Financial Fortress Understand how different strategies fit together Create long-term wealth through property Then this episode gives you a clear, real-world perspective based on actual deals — not theory. Dan Hill shares his perspective on: The Wealth Hierarchy framework Building a Financial Fortress How to approach deals depending on your level of experience and capital The best strategy no matter what your situation The Big Takeaway is that the best investors consistently: Invest in themselves Understand their numbers Focus on the right strategy And build towards long-term assets Success and Failure are both very predictable. I hope you enjoy. Work With Mark / The HMO Agent: If you're an Investor or HMO landlord and want to: Discuss investment opportunities Explore long-term lease options Sell your HMOs, blocks or portfolio Build or scale your portfolio   Visit: www.thehmoagent.com Arrange a call with Mark: https://calendar.app.google/Q7DMSzZ7cqtWdUf36   The patterns are clear. The Blueprints work. If you want to build equity, profit, and long-term cashflow with structure - not guesswork - join us at the Blueprint Summer Retreat, 19–22 May 2026. See how it works: https://theblueprintretreat.co.uk/   Want to learn more?

In this video, I'm taking you on a site tour of an incredible transformation! My investors purchased a three-bedroom dilapidated house for £116,000 at auction, and we have successfully converted it into a high-spec four-bedroom property.The ROI Breakdown: How a £116k investment turns into a £40,000 profit.HMO Conversion Secrets: The step-by-step process of turning 3 bedrooms into 4 bedrooms.Builder Management: The "Scaffolding Lesson" that cost us £3,500 and how to avoid it.UK Rental Strategies: Why we are choosing a £2,160/mo HMO yield over a standard family let.The BRRR Strategy: How to remortgage, pull your initial capital out, and scale your portfolio.Rahim Bah is a public speaker, entrepreneur, property investor, property educator, business mentor, and content creator. The Rahim Bah YouTube Channel is focused on educating people to invest in UK property, personal development, business, and how to become an entrepreneur. Whether you're a young entrepreneur, property entrepreneur, have a business idea, or just thinking about how to start a business, you'll get the value and business motivation you need to succeed from these videos.Unlock expert strategies to start or grow your property investment journey – absolutely FREE! PLUS, receive 3 exclusive bonus gifts to boost your success.

Health insurance is one of those things that's genuinely important and genuinely confusing. When you're managing diabetes or any chronic illness, the stakes are a lot higher than for most people. One wrong plan choice can mean insulin coverage disappears, specialist visits become out-of-pocket, or you get hit with a bill you didn't see coming. Rob sits down with Dakota Myers, known online as The Benefits Boss, for a no-nonsense breakdown of health insurance fundamentals through the lens of chronic illness. Dakota walks through the terminology that trips most people up (premiums, deductibles, co-insurance, out-of-pocket maximums), explains the real difference between PPO, HMO, and HSA plans, and makes a compelling case for why working with a broker costs you nothing and can save you thousands. The conversation covers some genuinely useful stuff that most people don't know, like the Medicaid Decline Hack for getting back onto the marketplace outside of open enrollment, the COBRA backdating loophole for gap coverage, and how income and health status together should drive your marketplace vs. private plan decision. If you've ever stared at an open enrollment portal feeling completely overwhelmed, this one is for you. Dakota and his team at The Benefits Boss shop every plan in all 50 states, and as he puts it, the goal is always to build the best package for each individual situation, not to sell a product. By the end of this episode, you'll have a much cleaner framework for evaluating your options and asking the right questions. Chapters: 00:00 Rob's intro: why this episode exists 02:43 Introducing Dakota Myers, The Benefits Boss 04:33 Starting with the basics: premiums defined 04:51 The three-step cost breakdown explained 06:25 Short-term and long-term disability coverage 07:07 High premium vs. high deductible: how to choose 09:30 What employers actually pay — a business owner's view 10:54 PPO, HMO, and network basics demystified 13:56 The doctor network hack: verify your coverage 14:44 What a good broker actually does for you 17:07 Should you use a broker? Here's the case for yes 17:40 HSAs: who they're actually useful for 19:10 Evaluating employer plans: three things that matter 22:26 Navigating the ACA marketplace and open enrollment 22:57 The Medicaid Decline Hack for qualifying events 27:02 COBRA explained — and the backdating loophole Resources: The Benefits Boss IRS HSA Contribution Limits & Eligibility Healthcare.gov

I det här avsnittet pratar Nana om den kraftiga ökningen av HMOs i Storbritannien, där licensansökningar har ökat med över 40% sedan 2018. Vi går igenom varför fler investerare söker sig till HMOs, men också de ökade riskerna .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

In this powerful episode of the Rahim Bah Podcast, Rahim is joined by Telma Dias de Brito for a transparent conversation about the high cost of "safety" and the path to true financial independence in the UK.Telma and Rahim discuss the emotional and financial rollercoaster of leaving a stable career to dive headfirst into UK property investment. From moving into an HMO with a newborn on the way to handling workplace toxicity and racial bias, this episode uncovers the grit required to build a multi-million property portfolio from scratch.In this episode, you will learn:The "Burn the Boat" Philosophy: Why having a Plan B might be holding you back.The reality of starting a property business while living in a shared house.How to navigate the UK property market and secure your first deals.Why "Who" you learn from is more important than "How" you do it.The transition from being an employee to becoming a successful entrepreneur.

In this episode, Rebecca and Jordan sit down with Angelina Ragano, a Senior HR Generalist at an electronics manufacturing company, to unpack one of the most confusing—yet most important—parts of any job offer: employee benefits. For many new graduates, benefits can feel overwhelming, full of unfamiliar terms and fine print. Angelina breaks everything down in simple, practical language to help first‑time job seekers feel confident as they evaluate offers and step into the professional world. Whether you're preparing for interviews, comparing compensation packages, or just trying to understand what “PPO” or “vesting” even mean, this episode gives you the clarity you've been looking for. Full episode transcript can be found on the episode page. Below is a general timestamp summary.  01:05 – 05:02 | What Are Employee Benefits & Why They Matter Angelina shares an overview of traditional and modern benefits, including health, wellness, and time-off, and explains how benefits contribute to total compensation.  06:04 – 15:22 | Health Insurance Basics Explained A beginner-friendly breakdown of PPO vs. HMO, deductibles, co-pays, co-insurance, out-of-pocket maximums, and how to choose a plan based on individual needs.  15:22 – 23:40 | Dental, Vision & Mental Health Resources (EAPs) Angelina differentiates dental and vision insurance from medical coverage and explains how Employee Assistance Programs support mental health and personal needs.  23:40 – 31:40 | Financial Benefits: 401(k), Matching, Vesting & Tuition Reimbursement A clear overview of retirement plans, employer matching strategies, vesting timelines, and how tuition reimbursement works for continuing education.  31:40 – 40:25 | PTO, Sick Leave, Illinois Paid Leave & FMLA Discussion of major time-off structures, state-specific leave policies, and what new grads should know about job‑protected federal leave.  40:25 – 45:18 | Workplace Perks & Soft Benefits Hybrid work arrangements, home-office stipends, wellness reimbursements, pet insurance, and lifestyle spending accounts—what they are and why they matter.  45:18 – 49:32 | Evaluating Job Offers & Spotting Red Flags Angelina shares how to read a benefits packet, what to look for in waiting periods and plan options, and which elements may be negotiable.  49:32 – End | Final Advice for New Graduates Key takeaways, common things students overlook, and encouragement for asking questions during the job-offer stage.  Do you have questions for Angelina? Send them to careerpodcast@cod.edu or connect with her on LinkedIn at linkedin.com/in/angelina-ragano/Listeners in the College of DuPage community can visit our website. All other listeners are encouraged to view the resources of their local community college, WIOA training programs, or other local support centers.Send us YOUR Listener Questions at careerpodcast@cod.edu Follow us on Instagram, Facebook, Twitter, LinkedIn @codcareercenter

Stacey Richter interviews Jerry DiMaso, CEO of Payerset, about how hospital and carrier price transparency data (mandates beginning with hospitals in 2019 and carriers in 2022) is being used by plan sponsors and providers. For self-insured employers and unions, DiMaso highlights three key uses: benchmarking against competitors via EIN to compare negotiated rates and carve-outs, identifying high-cost billing codes, and exposing "discount shell games" by validating whether claimed discounts reflect real savings.  Employers can use the insights to guide TPA negotiations, implement service carve-outs/direct contracts and calculate objective savings, and model alternative plan types (e.g., PPO vs HMO) while maintaining access. For clinics, transparency data can level information asymmetry by enabling rate benchmarking, revealing new contracting opportunities with previously unknown carriers, and supporting rate increases by pairing price comparisons with quality/outcomes; the discussion also addresses concerns about prices rising and an emerging transparency "arms race." === LINKS ===

I det här avsnittet går vi igenom allt du behöver veta om försäkringar som fastighetsägare i UK. Vi tar upp de fem grundläggande försäkringstyperna, vad som gäller specifikt för HMO och serviced accommodation, de dolda försäkringarna de flesta inte känner till, och de vanligaste misstagen som kan kosta dig allt.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

Send us Fan MailIn this episode of the Life Science Success Podcast my guest is Dean Erhardt, President and CEO at D2 Solutions. He brings more than 20 years of experience across pharmaceuticals and consumer products, with expertise in support program development, distribution, and specialty product management, and has worked with over 100 pharmaceutical, biotech, and medical device manufacturers as well as many small and midsized organizations on commercial operations, strategy, and national accounts.00:00 Intro00:34 Dean's career: HMO, Cardinal Health, Express Scripts03:00 Founding D2 Solutions in 200804:00 Pricing strategy and middlemen taking 50–70% of revenue08:00 What separates successful commercialization from failure10:00 D2's three pillars: distribution, reimbursement, patient services15:00 Pharmaceutical support programs for specialty medications16:00 D2's digital patient engagement platform in action21:00 Resource challenges for small and mid-sized pharma22:00 Retail deserts and the rise of direct-to-consumer models24:00 National accounts strategy and long-term payer relationships26:00 When to engage D2 and cleaning up commercialization missteps28:00 The prior authorization crisis31:00 Leadership advice: one vision, said a million times32:00 AI, remote surgery, and the future of care34:00 Looming shortage of 3.9 million healthcare workers36:00 Concerns: aging population, lost patients, NIH funding37:00 Technology accelerating drug approvals38:00 Outro

In this 50th episode of the Deals Deals Deals Blueprint Podcast, our host Mark Barrett welcomes Mark Jones and Meena Kanagavel, winners of the Property Entrepreneur Advanced Deal of the Year Award, to explore how they scaled from doing an HMO conversion and office conversion to a 9-unit development and delivering an award winning 23-unit scheme.   This episode gently touches on the tragic loss of Mark's son Luke just before his 23rd birthday and the reason for their mission to deliver a 23-unit scheme in his memory.    We look at their corporate backgrounds and the transferable skills that allowed them to be able to do a 9-unit new build scheme and the 23-unit scheme in Luke's memory.    Listen to the actual numbers, how they missed out on a deal which was a blessing, to sourcing the two sites, joint venture structures, their Top Three Tips and the metrics they now use to secure sites.   Since joining Property Entrepreneur in 2023, Mark and Meena are now on the PE Advanced program and have also spent the last two years in Josh Keegan's mastermind group, accelerating their growth into larger-scale developments.   Deal Breakdown (With £ Per Unit)   9-Unit Scheme Purchase Price: £250,000 (£27,778 per unit) Development Costs: £2,200,000 (£244,444 per unit) Finance Costs: £770,000 (£85,556 per unit) Total Project Cost: £3,200,000 (£355,556 per unit) GDV: £4,055,000 (£450,556 per unit) Profit: £855,000 (£95,000 per unit)   23-Unit Scheme (Deal of the Year) Purchase Price: £1,100,000 (£47,826 per unit) Development Costs: £4,300,000 (£186,957 per unit) Finance Costs: £880,000 (£38,261 per unit) Total Project Cost: £6,280,000 (£273,043 per unit) GDV: £7,450,000 (£323,913 per unit) Gross Profit: £1,170,000 (£50,870 per unit)   Combined Figures (Across Both Deals) Total Units Delivered: 32 units   Purchase Price: £1,350,000 (£42,188 per unit) Development Costs: £6,500,000 (£203,125 per unit) Finance Costs: £1,650,000 (£51,563 per unit) Total Project Cost: £9,480,000 (£296,250 per unit)   Total GDV: £11,505,000 (£359,531 per unit)   Total Profit Combined Profit: £2,025,000 (£63,281 per unit)   About the Host Mark Barrett – Founder of The HMO Agent Helping landlords and investors build profitable, hands-free portfolios through: Supported Living Lease Partnerships Portfolio building with joint ventures HMO Sales www.thehmoagent.com

Governor Kim Reynolds signed a bill that will temporarily raise taxes on HMO health insurance plans. Residents in Cedar Falls are concerned about a proposed cryptocurrency mine. And how Kansas communities deal with tumbleweeds.

What are early-career dentists actually thinking? Not the polished conference version. The Reddit threads, the Dentaltown forums, the TikTok rants, and the private conversations that happen when nobody is performing.Shawn Zajas pulled real, unfiltered sentiment from across the internet and brought those questions directly to Dr. Allison House, a practicing dentist with over 25 years of experience. The result is one of the most direct episodes this show has ever produced.Dr. House confirms what many young dentists already suspect: fewer than 6% of dental grads feel prepared to handle insurance. The debt-to-income ratio that made ownership achievable for her generation is simply broken for today's graduates. And the mentorship infrastructure that medicine takes for granted does not exist in dentistry.She does not hedge. She does not protect the profession from the criticism it deserves. She also does not let new dentists off the hook when personal responsibility matters."If you have something that will change somebody's life, you have a moral obligation to sell it." That quote alone will change how you think about the healer-versus-salesperson tension that haunts new dentists.This episode is for every dentist who felt thrown into the deep end. And for every established dentist who has influence over what happens next.TIMESTAMPS:0:00 Intro and format overview 1:30 Why dental school has no time to teach insurance, and why that is a structural problem not a curriculum failure 6:43 Dr. House's first job, an HMO contract for 25% of collections, and what she did not know going in 8:02 The debt-to-income ratio is broken, and Dr. House goes on the record saying so 9:12 Dentists eating their young, why the profession struggles with mentorship compared to medicine 11:08 Is practice ownership still the gold standard, and why the honest answer is no 13:28 What passive income actually means for a dentist, and what sustainable wealth building looks like 15:53 The imaginary residency model that could fix early career dentistry if the profession had the will 18:18 Why you cannot just stay chairside and trust everyone else, your license is always on the line 20:26 The moral obligation to sell, and why the healer identity and the sales reality are not actually in conflict 22:28 Social media dentistry, both the luxury version and the burnout version are real, and most dentists live between them 24:19 Why the curated version of dentistry on social media is doing the profession a disservice 26:09 How to build rapport when you walk into an established team as the newest and youngest person in the room 28:36 The present-day liability problem, and why practice owners hesitate to invest in new associates 29:45 Dr. House worked for seven practices in her first two years 30:22 Why medicine's training systems are better, and what dentistry would need to change to catch upKEY TAKEAWAYS FROM THIS EPISODE:The structural problem with dental education is not that educators are failing. It is that four years is not enough to cover both clinical mastery and full business literacy. Something will always get cut, and business always gets cut.The one-to-one debt-to-income ratio that made ownership the obvious goal for older generations is gone. New graduates need to evaluate ownership honestly against their specific financial reality, not based on what the profession used to reward.Dentistry does not have medicine's residency infrastructure. That means new dentists are released into independent practice before they have the hand skills, leadership presence, or communication tools to do it well. That is a profession-level problem, not a personal failure.The discomfort around sales is a sign that your ethical instincts are working. The reframe that matters: if the treatment is in your patient's best interest and you would recommend it for your own family, presenting it clearly is not sales. It is patient advocacy.Social media shows you the curated versions of dentistry. Perfect preps, luxury buildouts, and crushing it captions. Most dentists are doing their best on complicated cases with difficult patients in practices that look nothing like that. Comparing your real practice to someone else's edited highlight reel is a direct path to dental burnout.ABOUT YOUR HOSTS:Dr. Allison House is a practicing dentist with over 25 years of clinical experience in Phoenix, Arizona. She has served in organizational leadership within state dental associations, mentored dozens of early-career dentists, and built a values-aligned practice from the ground up starting with two patients. She brings clinical expertise, ethical leadership, and the kind of honest perspective that only comes from actually doing the work for decades.Shawn Zajas is a dental marketing expert, brand strategist, and co-host of The Authentic Dentist Podcast. He works at the intersection of authentic leadership and dental practice growth, helping practitioners find the practice identity that is actually their own rather than a version of what the industry told them to want. He is the founder of Zana and a long-time advocate for authentic expression in dentistry.Together, Dr. House and Shawn bridge the clinical and business realities of dental practice in a way that most dental podcasts never attempt.CONNECT WITH US:The Authentic Dentist Podcast is for dentists who want to build practices and careers that are aligned with who they actually are. If this episo...

I dagens avsnitt ska vi prata om något som många investerare stöter på men väldigt få faktiskt pratar om – title defects.Det här är juridiska problem kopplade till fastighetens ägande eller dokumentation. Och ibland upptäcks de först när du ska:säljarefinansieraeller köpa loss en fastighetVill 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

A proposed tax increase on HMO health insurance plans is moving ahead at the Iowa Statehouse. A proposal to keep school districts from rejecting partnerships with community-based preschool program providers is also moving ahead. And Waterloo's Grout Museum District is speaking out against the city's proposal to reduce its funding.

I det här avsnittet går vi igenom hur banker faktiskt analyserar fastigheter när du ansöker om ett lån i Storbritannien. Många investerare tror att det bara handlar om värdet på fastigheten, men i verkligheten tittar banken på flera faktorer – bland annat värderingen, hyran, stressräntor och något som kallas Interest Coverage Ratio (ICR).Ett viktigt avsnitt för dig som investerar i fastigheter i Storbritannien och vill förstå hur banker faktiskt räknar bakom kulisserna.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

Karen Martin -- founder of TKMG Inc. and TKMG Academy, and author of "Clarity First" and "The Outstanding Organization" -- joins Mark Graban for a short preview of the upcoming KaiNexus Ask an Expert webinar on March 11th.In this conversation, Karen shares how she went from working in hospital laboratories as a microbiologist to building and running operations at a fast-growing HMO -- and eventually founding her own consulting and education business. She talks about what drew her away from Lean tools toward the bigger questions of culture, leadership, and organizational clarity, and why lack of clarity tends to generate more emotional friction in workplaces than people expect.The live webinar is March 11th at 1:00 PM Eastern. No slides -- just an hour of questions and answers on Lean, operational excellence, value stream thinking, leadership, and organizational design. Submit your questions in advance or ask them live.Register or find the recording

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

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.