Podcasts about hmo

What do you do when you've got enough to stop working, but spending it means you can never buy again? And, even once you've built something worth passing on, how do you stop it being sold off the moment you're gone? Rob & Rob answer two tricky listener questions on this week's show. (00:41) Liam has an HMO, a couple of single lets and a construction company. He could replace his income tomorrow by putting his refinance money into two more HMOs, but that leaves nothing to recycle into future projects. Rob D refuses to treat this as a choice between two options. (05:03) Ryan's portfolio is growing and his attention has turned to the generations after him. From wills to trusts, what does he need to be thinking about now? Rob B covers the structures an advisor might put in front of him, and the thing that matters more than all of them. 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 Got a question? Send it in here Find out more about Property Hub Invest

#317If you own an HMO in the UK and you're managing it from abroad, this episode is for you.Today's guest is Mithila from Ideal Urban Group (Tel: 07300 204451) — an HMO specialist agency covering Surrey, Berkshire, Hampshire, and Greater London.Mithila and her business partner Lisa didn't start the agency because they saw a gap in the market.They started it because they couldn't find anyone good enough to manage their own properties.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 GroupWhy Single-Let Agents Fail at HMOsMost agents who say they manage HMOs are single-let agents who haven't made the leap.Managing a property with six different tenants, six sets of compliance deadlines, and six different personalities is fundamentally different from managing a single let.Mithila handed her own HMOs to one such agent while she was pregnant — and was back on the tools within weeks of having her baby.The agent wasn't documenting inspections, wasn't doing check-ins and check-outs properly, and simply didn't know what the compliance requirements were.How to Tell if an Agent Is Actually QualifiedThe first question to ask is how many rooms they manage — not properties, rooms.Mithila's minimum: 50 rooms under management, enough to be systemised as a business rather than someone doing it on the side.The second question is how often they carry out inspections, and what drives that frequency.The answer should start with fire safety.HMO Fire Safety: What Your Agent Should Be DoingGrade A alarm systems — typically six-plus bedroom properties or mixed-use buildings — require weekly fire alarm testing, zone by zone, logged on site and in a centralised location.Grade D systems — smaller HMOs — require monthly testing as a minimum.Fire doors should be checked monthly to confirm they are self-closing, correctly fitted, and have no gaps.Carbon monoxide alarms must be tested monthly.Fire blanket testing: monthly.Communal area inspections: monthly.Full inspections including tenants' rooms: quarterly as a minimum.None of this is optional — and a good agent should be able to tell you exactly which grade applies to each of your properties.How to Verify It's Actually HappeningThis is the question that matters most for expat landlords who can't just drive past the property.Ask your agent to share inspection reports — with photographs, not just commentary.Mithila's agency uses Inventory Hive, which builds reports around the property's floor plan and flags maintenance issues as it goes.Monthly communal reports are high-level; quarterly reports that include tenants' rooms are more detailed.As Mithila puts it: as long as you know what your property looks like, the report should reflect that.The Software QuestionAsk your agent which systems they use for compliance tracking and tenant communications.Mithila's agency uses Coho — all tenant communications are directed there to create a centralised, evidenced audit trail.WhatsApp conversations with tenants are not an audit trail.Ask specifically: where does tenant communication happen, and can it be evidenced?Questions to Ask Before You SignAsk for metrics on void periods and average relet timeframes.Ask what their revenue yield is across their managed portfolio.Read the terms and conditions — check what's included and what triggers an add-on fee.Ask to speak to a current client directly — not a written reference, a phone call to someone using the agency right now.Anyone doing things well will offer that without hesitation.What to Do If Your Agent Isn't PerformingMithila's advice: document the specific failures, give them one chance to put things right, and if they don't, have the conversation about parting ways.A good agent who isn't meeting your expectations should be able to demonstrate and evidence their performance — if they can't, that evidence becomes your grounds to exit the agreement.The HHSRS Update — June 2026The Housing Health and Safety Rating System was updated on 23 June 2026.It's the tool councils use to assess hazards in rented properties, with Category One hazards carrying significant consequences for landlords.Most landlords didn't know it was updated — and most agents didn't flag it proactively.Ask your agent whether they are aware of it and how it has changed their inspection process.Maintenance: The Landlord-Mindset DifferenceMithila's agency troubleshoots maintenance issues with tenants by phone or video before calling anyone out.Every cost that goes out in maintenance erodes the bottom line, and a landlord-run agency feels that in a way a standard agent doesn't.Ask your agent: at what point do you call a contractor, and what is your approval threshold before you authorise spend?The Rent AuditWhen Ideal Urban Group takes on a new client, they audit not just compliance — but rents.Self-managing landlords and under-engaged agents routinely leave rooms at below-market rates, sometimes for years.Twenty to twenty-five pounds per room under market across a six-bedroom HMO is two hundred pounds a month left on the table.Key TakeawaysA single-let agent is not an HMO agent — the compliance requirements are fundamentally different.The minimum credible agency size is around 50 rooms under management.Fire alarm testing frequency is determined by alarm grade — weekly for Grade A, monthly for Grade D.Always ask to speak to a current client, not a written reference.If your agent can't produce inspection reports with photographs on request, ask why.The HHSRS was updated in June 2026 — check whether your agent has acknowledged this.Not financial or professional advice — always consult qualified professionals.Keywords: HMO managing agent UK, HMO compliance UK, HMO fire safety, HMO property management, Grade A HMO alarm, HMO landlord questions, Inventory Hive HMO, Coho property management, HHSRS landlord 2026, expat HMO landlord, HMO agent vetting UK, UK property podcast

How much does it actually cost to refurbish an HMO?It's one of the most common questions I get asked, and unfortunately, there isn't one simple answer.The cost depends on the scope of the project, the specification you're aiming for, where you're investing and, importantly, whether you've accounted for everything that actually sits inside a refurbishment budget.In this episode, I break down how I think about HMO build costs and give you a practical way to put a credible number against a project before you've even spoken to a builder.

Most aspiring property investors don't struggle because they lack knowledge.They struggle because they never make the leap from learning to actually doing. They've read the books, listened to the podcasts, invested in education, but still haven't completed their first HMO project.In this episode, I'm joined by Dr. Michael Taylor, better known as ThePropertyGP. After building a £2 million HMO portfolio in under two years while working as a full-time GP, Michael has helped countless first-time investors bridge what he calls the "execution gap."Together, we explore why so many investors get stuck, the common obstacles holding them back, and how the right support can help you complete your first profitable HMO with confidence.

Chapters: :00     - 17:00    - 2027 AEP Overview 17:00 - 41:00    - HealthSpring 41:00- 1:05:00 - Aetna   The 2027 AEP season is here, and with it comes significant changes that every Medicare agent needs to understand. In the first episode of a special two-part Carrier Rollout Series, co-hosts Josh Slattery and David Ireland break down the latest carrier announcements, industry trends, and regulatory updates shaping the upcoming Annual Enrollment Period. The discussion begins with the continued impact of the Inflation Reduction Act on the Medicare Advantage market. As plan revenues struggle to keep pace with rising healthcare costs, carriers are making strategic adjustments to benefits, networks, and product offerings. Josh and David explain what these market pressures mean for agents and how they may influence client conversations during AEP. The episode also explores key carrier updates, including HealthSpring's transition to the HCSC brand and its continued focus on HMO products and Dual Special Needs Plan (DSNP) expansion. The hosts discuss Aetna's strategy centered on network efficiency and product enhancements, noting that approximately 60% of members are expected to experience stable or improved benefits despite ongoing market challenges. Beyond carrier-specific news, the conversation covers important regulatory updates, changes to the SSBCI qualification process, and why ancillary products will continue to play a vital role in helping clients address coverage gaps. Josh and David also preview additional carrier releases, market expansions, and emerging opportunities that agents should be watching as the rollout season continues. Whether you're preparing for your first client appointment or refining your AEP strategy, this episode provides the insights needed to stay informed and confident heading into the 2027 selling season. Be sure to tune in for Part 2, coming later this August, as Josh and David continue their analysis of the latest carrier rollouts and what they mean for your business. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/       

Mark and Martin Pow return to The Blueprint Podcast Deals, Deals, Deals series after first joining us in November 2025. Based in the South West, Martin started his career as a carpenter while Mark came from a background in car sales. Together they've built a successful property business by combining practical construction expertise with commercial deal-making skills. Now in their second year of the Property Entrepreneur programme, they also share how becoming part of Adam's and Josh's Mastermind groups has accelerated their growth through accountability, collaboration, networking and learning from other experienced property entrepreneurs. In this episode, they take us behind one of their latest projects, The Solways, sharing the real numbers behind a development that released £113,425 of cash, created £572,880 of equity, and now generates over £41,000 a year in cashflow, all while refinancing at a conservative 66% loan-to-value. If you've ever wondered how experienced investors recycle their capital while keeping ownership of the asset, this episode is packed with practical lessons and genuine deal analysis.   The Solways Deal Breakdown Purchase Price: £508,000   Acquisition Costs: Stamp Duty: £40,800 Professional Fees: £31,560   Project Costs: Finance: £71,699 Refurbishment: £336,544 Holding Costs: £15,082   Total Project Cost: £1,003,695   The Results: End Value: £1,690,000 Refinance (66% LTV): £1,117,120 Cash Released: £113,425 Equity Created: £572,880 Monthly Cashflow: £3,426 Annual Cashflow: £41,112 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 Mark and Martin Pow. https://www.instagram.com/propertypowbrothers/ www.powproperty.co.uk info@powproperty.co.uk 07816407114   Upcoming Free Live Webinar Britain Is Getting Poorer: Only the 1.8% Are Winning Join Daniel Hill live on Thursday 6 August at 7pm or Friday 7 August at 12pm, where he will be sharing: Why 98.2% of the UK is falling behind, and what it means for property investors. The practical strategies successful investors are using to stay ahead. The five challenges every property business owner needs to solve over the next 24 months.

The first half of the year has been a reminder that building a successful property business is never a straight line.Some of my biggest wins have come alongside some of my biggest frustrations. In this episode, I take you behind the scenes of my business and share an honest mid-year review of what's been working, what's tested me the most, and where I'm focusing my time and energy for the rest of 2026.

Imagine this. Shift work finishing at 4am. Coming home to a house share where nobody understands why you sleep during the day. Nurses, paramedics and firefighters keeping this country running, with nowhere decent to actually rest.Gemma Parsons saw that gap and decided to fill it herself.In this episode of Girls in Property I'm joined by Gemma Parsons, who is behind the UK's first key worker only co living scheme. Gemma came from emergency services, so she lived the problem before she ever tried to solve it. What she's built is a scheme designed entirely around shift patterns, mental health and the reality of what it takes to look after people who spend their lives looking after everyone else.We get into the real detail too. How she managed a major renovation while still holding down a full time job. Her first HMO in Liverpool and everything that taught her. The funding wall she hit with bridging finance, how she moved to private investment, and what it actually takes to build trust with investors when you're still relatively early in your journey.This one is about purpose as much as it is about property. Gemma is honest about resilience, about burnout, about checking in with yourself when the pressure is on. If you've ever wondered whether your property business could stand for something bigger than the numbers, this conversation will light something in you.Have a listen and let me know what you think.How to Get Involved With The Girls in Property 

Send us Fan MailFor this week's episode, we are really pleased to be able to share the brilliant conversation which took place at the Housed Summit with a group of residents from the PBSA, BTR, HMO and Coliving Sectors.The popularity and feedback from this session at UKREiiF was phenomenal and their insights offered a powerful reminder that successful places are built around people, not just products.On the panel were Noah Taiwo, Todd Evans, Rosie Hill, Anushka Suria and Edward Jones, who discussed:- How amenities must create real value- The importance of human connection- Affordable accommodation and getting the basics right- The need for operators to re-think flexibility and value- Regeneration and displacement- Authenticity in marketingThe key message that came across was the importance of listening to your residents - and this podcast episode is your starting point.Find out more about The Property Marketing Strategists Youth Forum and customer insight here.

Stuart Wyeth is a property wealth expert with 20+ years of experience across residential, commercial and HMO development. He's Director of SW Homes & Development Ltd, which delivers sustainable residential schemes, and Skylofts Ltd, a loft conversion specialist that's grown from a standing start into a business turning over around £5 million a year. Alongside his construction and quantity surveying background, Stuart has built and refinanced around 100+ units over the past five years. He also co founded the Ground Up podcast for developers and speaks widely on property strategy, market cycles and, increasingly, digital assets.In this episode, Stuart shares how Skylofts grew into a £5 million business and built 100+ income producing units. He breaks down his strategies for commercial to residential conversion, systems that allow a property business to scale, long term thinking and wealth creation.

Most property investors spend years building wealth. But very few spend any time thinking about how they're actually going to protect it.What happens to your portfolio if you die unexpectedly? Who makes decisions if you lose mental capacity? Will your family inherit what you've built, or could poor planning, unnecessary tax, or even remarriage mean your wealth ends up somewhere you never intended?In this episode, I sit down with asset protection specialist Mike Hiner, better known as The Asset Protection Guy, to unpack the estate planning mistakes many property investors make. 

In this episode of Allsop's PropChat, Residential Managing Partner Richard Adamson hosts a discussion with Allsop's Anthony Hart and Will Ramshaw - experts in the Student Housing sector - alongside Richard Ward, Head of Research at StuRents, the UK's largest student listings platform.   The conversation covers the journey the student housing sector has been on over the past decade: how it has matured, attracted a wider investor base and now faces a more complex set of challenges. Topics include the growing two-tier market between prime and secondary assets, the affordability crisis squeezing student budgets, the impact of international student demand (and China's shifting demographics), supply constraints that are reshaping the development pipeline and what the Renters Rights Act could mean for HMO landlords and investors alike.   Allsop's inhouse offering in the sector is a comprehensive one, from sales and acquisitions to valuation work.  This episode offers a grounded, data-led view of where the market stands - and where the opportunities lie.   Follow Allsop and our speakers Anthony Hart, Will Ramshaw, Richard Ward and Richard Adamson on LinkedIn.   Anthony Hart LinkedIn/Anthony Hart   Will Ramshaw  LinkedIn/Will Ramshaw    Richard Ward LinkedIn/Richard Ward   Richard Adamson LinkedIn/Richard Adamson   AllsopLinkedInX FacebookYouTubeInstagram     Don't forget, if you've enjoyed listening, please rate us and consider writing a review.   If you have a question relating to one of our podcasts or have any suggestions of themes you would like us to cover, please email podcasts@allsop.co.uk     The podcast presented here is for general guidance and represents opinions of our teams based on the property market at the time of recording.   All details are correct at time of recording

The number of properties on the market in Perth has doubled in the last four to six weeks. Some people are calling the top of the run. Neil isn't one of them. Transactions are still running at 700 to 900 a week through REIWA. That hasn't changed. What has changed is stock coming on, and there are good reasons for it. Investors spitting the dummy after the budget changes to negative gearing and capital gains tax. Homes finishing construction and tenants moving out of rentals into them. Owners who bought at 350k looking at 900k and deciding now is the time to cash out. None of that is a falling market. We need around 14,000 properties on the market just to be balanced in WA. The extra stock gets things moving again after a period where it was stagnant. But there's one number almost nobody is watching, and it's the one that matters. Rental listings are still between 2,000 and 2,300. Every single week. For three to four years. Record lows. If more investors drop out of the market, that means fewer rentals, not more. Rents go up. Yields go up. And the standard investor comes back to the market because a higher yield offsets what they just lost in negative gearing. Neil also unpacks what he saw at the World Cup in America, where he watched supply and demand play out in real time. He paid $4,790 for one ticket to watch England versus Mexico at the Estadio Azteca. An hour before kickoff the same seat was $5,500. A can of Stella inside the ground was $19.99 USD. Not enough supply, too much demand, and a lot of printed money in the system. Same forces. Different asset. In this episode: Why more listings does not mean a falling market The rental stat everyone is ignoring while they watch sales listings What the negative gearing and CGT changes actually signal about what the government wants built Why rate cuts and a softening Sydney and Melbourne market are good news for Perth Why 26.6% of Australian housing being lone person households is the real story behind coliving demand The lesson from 80,000 Mexico fans that explains why HMOs work More has happened in the housing industry in the last three months than the last ten years. Neil and Jo bought their first property in 2015 and converted it into an HMO. The business has now delivered over 1,180 rooms to market, with another 800 to 900 in the pipeline, a team of 26, and 80 to 120 houses a year. Want to learn this yourself? The Coliving Cashflow Academy is 14 modules covering everything from what coliving is, structuring yourself like a professional, rent-to-rent, fire safety, new builds, conversions, renovations and subdivisions. Currently $5,000. DM Neil for details.

#309EPC rules for UK landlords are changing from October 2026 — and a recent Nationwide report found that 67% of landlords have no idea it's coming.This episode is here to make sure you're not in that 67%.Energy Performance Certificates are about to get a major overhaul in England and Wales, and if you're a remote landlord managing UK property from abroad, these changes affect what you can rent, what you must upgrade, and how much it could cost you.To break it all down, I'm joined by Tim Kampel of Box Property Solutions, who has spent nearly two decades doing EPCs day in, day out — as a domestic, commercial and retrofit assessor, and as a property investor himself.Tim explains the new four-metric EPC system arriving in October 2026, which will score properties separately on fabric performance, heating system, energy cost, and smart readiness — replacing the single headline rating landlords are used to.We cover the exemptions being removed, so heritage properties, HMOs where even a single room is let, and short-term rentals will all need a valid EPC.We get into the big one: the requirement for most privately rented UK properties to reach EPC band C by 2030, with a £10,000 per-property spending cap.Tim also gives an honest reality check on why EPC deadlines keep shifting, how the rules are being used as a political bargaining chip, and why "proposed" doesn't mean you can afford to ignore them.And crucially for overseas landlords, Tim shares the single most important takeaway of the whole episode: under the new regime, you have to be able to prove everything — without evidence, the work simply won't count.Please note this episode focuses on England and Wales; Scotland has its own EPC rules.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 GroupWhat you'll learn:The new four-metric EPC system coming to England and Wales in October 2026, and what each metric measures.Which EPC exemptions are being removed, and why heritage homes, HMOs and short-term lets are now caught.What the EPC band C by 2030 requirement means for UK landlords, and how the £10,000 spending cap works.Why EPC deadlines keep getting pushed back, and how to plan around rules that aren't yet law.The order EPC improvements should be tackled in, from fabric-first insulation to heating systems, and when that advice isn't practical.Why a recent software change has pushed some properties up to a C rating automatically, and why it's worth getting reassessed.How solar could become one of the smartest ways for landlords, especially HMO owners, to raise a rating and cut running costs.Guest: Tim Kampel of Box Property Solutions — a domestic, commercial and retrofit EPC assessor with nearly twenty years' experience, and a property investor himself.If you own or plan to buy UK rental property, understanding these EPC changes now — rather than in 2029 — could save you thousands and keep your properties legally lettable. Details of how to join our WhatsApp group for overseas investors are below.KeywordsUK property, UK property investment, UK property market, UK landlords, Expat property, UK real estate, Buy-to-let UK, Energy Performance Certificate (EPC), EPC legislation UK, EPC band C requirements, EPC rules England and Wales, Property investment UK, UK rental property, HMO EPC requirements, Heritage property UK, Solar panels UK property, EPC changes 2026 UK, Landlord tips UK, EPC compliance UK, Property refurbishment UK, Non-standard construction UK, How to improve EPC rating UK property, EPC exemptions for landlords UK, EPC and mortgage eligibility UK, Using EPC data for property investment UK, Best energy improvements for UK rental property, Proven ways to reach EPC band C UK, EPC requirements for short term rentals UK, Solar installation cost for UK landlords, Documenting property improvements for EPC UK, Landlord guide to energy efficiency UK, Avoiding non-standard construction in UK real estate, EPC for HMOs England and Wales, What can boost EPC rating in UK homes, Preferential green rate mortgages UK property, Tips for choosing an EPC assessor UKCheck out our new YouTube Channel @ExpatPropertyStory

Most new HMO investors don't struggle because there aren't any opportunities.They struggle because they don't know where to start. They get overwhelmed by all the information, worry about making expensive mistakes, or spend too long waiting for the perfect time to take action.In this episode, I revisit one of the most important podcast episodes I've ever recorded because, if anything, the message is even more relevant today. I walk through the six key areas every new HMO investor needs to understand before buying their first property, and explain why getting these foundations right will save you time, money and a lot of frustration.

This week's episode is a little different.I recently joined Dan Hill for a Six Rounds episode of The Blueprint Podcast, where the format is simple: six surprise topics, no preparation, and no idea what's coming next.It made for a really honest conversation as we shared our thoughts on property investing, entrepreneurship, AI, the UK economy and what it really takes to build long-term wealth. We also explored the lessons we've learned over the years, how our thinking has evolved, and some of the habits and principles that continue to shape the way we do business today.If you've ever wondered how experienced investors think about risk, opportunity and the future of the property market, I think you'll really enjoy this one.

Ever listened back to something you said a year ago and wondered if it actually played out the way you hoped?I'll be the first to admit I've done this. It's easy to share the big goals. It's much harder to come back a year later and show what really happened.This week I'm joined by Lucinda Axelsson, who's returning to the podcast one year on since her debut episode. Back then it was 0 to 6 properties in under a year. Now she's here to tell us the truth about what came next.This is the frank, honest conversation I think this industry is missing. We get into what HMO conversions really look like in this market right now, the valuation shocks that caught her off guard, managing properties remotely, and the mindset it takes to keep going when things don't go to plan. Lucinda talks openly about choosing your hard, protecting her mental wellbeing, and why patience beats rushing every time. She also shares her bigger vision, from setting up a property fund to buying land and building a whole ecosystem.If you want the real version of property investing, not the highlight reel, this one is for you.Listen now on your favourite podcast platform

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.

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.

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.

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

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.

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.

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

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

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...

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.

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.

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.