Podcasts about hmo

It's been a busy, challenging and exciting few months across my property businesses.In this episode, I'm giving you an honest update on exactly what's been happening behind the scenes. From development projects and difficult tenants to refinancing, new purchases and why I'm shifting my focus back towards high-yielding HMOs.I also share some of the challenges we've faced, including getting a major development back on track after our contractor went into liquidation, dealing with significant tenant arrears and preparing for a difficult refinance.

Today Des talks to Wendy Whittaker-Large, a director with Best Nest and Wendy discusses how to grow a business investing in HMO's and buy-to-lets.

Send us Fan Mail#329The average UK property purchase takes 135 days, but a cash buyer who skips every optional check can complete in 24 hours.This episode's guest is Gerard Davis, a solicitor at Talbots Law who spends his working life untangling exactly why that gap exists.We delve into why UK property conveyancing takes so long.And how to speed it up.Access Gerard's 12 Rules for Better ConveyancingEpisode 287: Hidden Problems & Opportunities in UK Property TitlesExpatPropertyStory.comCheck 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 GroupWe discuss:SpeedThe delay rarely comes from a slow solicitor; it usually comes from lender instructions, incomplete paperwork, property chains and slow-moving management companies.A lender with 25 pages of requirements can add weeks compared with one that has only 10.Learning the Language of ConveyancingGerard recommends learning the basic vocabulary before instructing a solicitor: restrictive covenants, short leases, flying freeholds, rent charges, rights of way, adverse possession, easements, exchange, and completion.Solicitors' reports use this language constantly and rarely stop to explain it in plain English.Gerard suggests pasting a report into an AI tool and asking for an explanation simple enough for a second-language learner, then taking the resulting questions back to the solicitor rather than treating the AI's answer as legal advice.Choosing the Right SolicitorGerard is direct about this: solicitors can make or break a deal, especially one with anything unusual about it, such as delayed completion, a short lease, or works planned between exchange and completion.Job title is not a reliable guide to experience; a paralegal with 15 years in conveyancing may know more than a solicitor who qualified a year ago.For a complicated transaction, Gerard suggests trying to reach an associate, partner or director, rather than assuming a bigger firm automatically means a better outcome.How Lenders Set the PaceIn a mortgaged purchase, the solicitor is effectively serving two clients: the buyer and the lender.Different lenders issue very different instructions, and the length of that list has a direct effect on how quickly a purchase can complete.Choosing the right lender for an unusual transaction, and asking upfront what that lender typically raises as an issue, can prevent months of delay later.Front-Loading Your Due DiligenceGerard's central piece of advice is to do as much of the legwork as possible before the solicitor's desk becomes the bottleneck.Downloading the title early and telling the solicitor immediately that a property is intended as an HMO or serviced accommodation can surface a restrictive covenant while there is still time to act on it.He estimates that checking the title at the very start of a transaction, rather than months in, can save four to five months on a deal that would otherwise have fallen apart.A single, concise one-page brief covering the transaction, the intended use, and any known issues gives the solicitor a reference point instead of a scattered email trail.Why Leasehold Takes LongerLeasehold purchases carry an extra layer of work, largely because management companies can take close to two months to produce a management pack.Combined with the lender's own instructions, this is why leasehold transactions commonly run to six, seven or eight months.Building Rapport With Your ConveyancerSending five emails a day does not speed up a transaction; it adds to an inbox that may already hold hundreds of messages and makes it harder for the solicitor to give an accurate answer.Gerard's suggestion is a single, specific, polite request for a progress summary with a clear deadline attached.The long-term goal is a relationship where one phone call gets something looked at urgently, built through patience and respectful pushback rather than constant pressure.Indemnity Policies and Legal Advice WaiversGerard pushes back gently on the assumption that indemnity insurance is just a way for solicitors to pad their fees.In his experience, solicitors typically choose the most cost-effective policy available for the situation, and it is reasonable to ask why one is being recommended.He also raises the option of a waiver or reliance letter with the lender, which can in some cases remove the need for a separate independent legal advice appointment.The Expat Angle: Identity Checks and Anti-Money LaunderingFor overseas buyers, identity verification and anti-money-laundering checks add another layer of friction, and firms do not all handle them the same way.Some accept digital verification, while others still require physically certified documents, so it is worth asking a firm about its process before instructing them rather than discovering the answer mid-transaction.Key TakeawaysLearn enough conveyancing terminology to ask focused questions, and use AI to translate a report rather than to replace the solicitor.Judge a conveyancer on relevant experience, not their job title.Front-load due diligence: download the title, flag your intended use, and hand the solicitor a single clear brief at the outset.Choose your lender as carefully as your solicitor, since their instructions set much of the timeline.Build a long-term relationship with a conveyancer you trust, rather than switching firms on price alone.

The mortgage market has shifted quickly in recent weeks, with rising swap rates, changing lender pricing and wider economic uncertainty creating another challenging environment for HMO investors.In this episode, I sit down with our specialist mortgage broker Ellie Broadhurst to unpack what's happening in the lending market right now, how the Renters' Rights Act is starting to affect some HMO valuations, and what investors need to consider when buying or refinancing in today's market.

From a nightmare property to a potential £500k valuation — this is a creative deal you won't want to miss. In this episode of the Your Property Network podcast, Ant is joined by Thomas Reed from Yellow Homes to break down one of his most interesting property deals yet. The property started life as a tired seaside B&B, had problem tenants, more than £10,000 in rent arrears, an illegal laundry business, bed bugs, mould, damp and a whole host of compliance issues. But rather than walking away from the problem, Thomas and his business partner found a way to structure a win-win deal with the vendor using vendor finance. They agreed a £187,000 purchase price, acquired the property using 100% vendor finance, invested around £70,000 into a major back-to-brick refurbishment and transformed it into a 15-person HMO. The projected commercial valuation? Around £420,000–£510,000. Thomas talks Ant through: • How the relationship with the vendor led to the deal • Why helping the vendor before buying the property was so important • How they structured the vendor finance • How they bought the property without a traditional deposit • The challenges of a £70k refurbishment • How they negotiated an additional £16k from the vendor without reducing the purchase price • How they approached the commercial valuation • Why they're holding off on refinancing • Creating multiple exit strategies from the outset • Designing an HMO around the needs of its tenants • Why relationships, trust and creating a genuine win-win are at the heart of creative property investing A brilliant real-world example of how creative deal structuring, relationships and good property knowledge can turn a problem property into a very different proposition. Find out more about Thomas and Yellow Homes: yellow-homes.co.uk

Your first property investment probably won't make you rich overnight — but buying the wrong investment property could cost you thousands of pounds and seriously damage your property investment journey.In this video, Rahim Bah shares 7 alarming things every first-time property investor should know before buying an investment property in the UK.Drawing from his own UK property investment journey, Rahim explains the costly mistakes beginners can make when they focus on emotions, property prices or social media hype instead of understanding the numbers, cash flow, location, financing and long-term strategy.Whether you're completely new to UK property investment, looking to buy your first buy-to-let, considering an HMO, exploring BRRR, or trying to build a property portfolio, these lessons can help you think more like an investor before making your next move.In this video, you will learn:Why you should never fall in love with an investment propertyLearn why professional property investors focus on the numbers rather than emotional decisions, beautiful kitchens or impressive bathrooms.Why cash flow matters more than simply buying a cheap propertyDiscover why a cheaper property isn't automatically a better investment and why positive monthly cash flow can be critical when building a sustainable property portfolio.How location can affect your property investmentLearn what to look for when analysing an area, including population growth, transport links, employment, universities and regeneration.Why property renovation costs can go over budgetUnderstand why unexpected problems can appear during refurbishment and why having a contingency budget is essential.How interest rates can affect your property dealLearn about stress-testing your property investment calculations and considering what could happen if mortgage interest rates increase.Why you shouldn't chase every property investment strategyFrom Buy-to-Let and HMOs to BRRR and other strategies, discover why mastering one strategy can be more effective than trying to do everything at once.Why property investment isn't passive at the beginningUnderstand the work involved in finance, negotiations, viewings, builders, solicitors, mortgage brokers, tenants and property management — and how systems can eventually create more freedom.Property investing isn't simply about buying houses. It's about understanding numbers, solving problems, finding opportunities, creating value and building a better financial future.If you're serious about starting or growing your UK property investment journey, watch until the end and ask yourself:Would you rather spend time learning how to find the right property — or spend the next five years wishing you had started?

£10,000 per month in net income is a common goal for HMO investors, but very few people actually break down what it will take to get there.In this #Rewind episode, I break down a simple exercise I use with my mentees to reverse engineer that target, looking at how many properties you might need, the equity you'll need to create and why adding value is such an important part of building and scaling an HMO portfolio.

Most property investors think design is just about scatter cushions and paint colours. Julian Maurice — design consultant, former contractor, and HMO investor — says that misunderstanding is costing landlords thousands. In this episode, Julian breaks down why he believes most investors don't actually understand what "profit" means (hint: gross yield tells you nothing), and how applying Dieter Rams' 10 Principles of Good Design — the same framework behind Apple and Porsche — transformed his own property portfolio. We cover:

From Police Sergeant to £10M Property Portfolio: Rick Gannon's HMO Story | YPN Podcast In this episode of the YPN Podcast, Ant Lyons sits down with prolific property investor and educator Rick Gannon to unpack the emotional story behind his exit from the police force and into property — sparked by a promise made to his son, Ben. Rick shares how he built a portfolio from just 2-3 buy-to-lets into a £10 million business spanning HMOs, serviced accommodation, holiday lets, and multi-unit freehold blocks — plus how he founded and sold his own property management software, GoTenant. We cover:

Send us Fan MailOne wrong assumption can turn a “perfect” HMO deal into a planning dead end. We get practical about UK HMO rules, starting with the basics of what counts as a House in Multiple Occupation and why renting by the room can outperform a standard buy-to-let for cash flow, especially when you pair it with strategies like rent-to-rent.From there, we walk through HMO licensing in plain English: what mandatory licensing usually looks like, why your local council's HMO pack is the only safe source of truth, and what standards tend to come with a license. We talk fire safety expectations, management arrangements, and why HMOs need a tougher setup and more frequent inspections than a single-family rental. If you're trying to stay compliant while protecting profit, this is the checklist mindset you need.Planning is where many investors get caught, so we also dig into Article 4 Directions and how they can stop HMO conversions or make approvals much harder. We cover additional licensing and selective licensing too, including why some councils require licenses for smaller HMOs or even all rental properties in certain areas. Finally, we explore what changes with seven bed plus properties, including sui generis use and how commercial valuation based on rental income can help you recycle funds when the numbers and demand are there.If you want fewer surprises and better decisions on HMO conversions, listen through, then subscribe, share it with a landlord friend, and leave a quick review with your biggest HMO question.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...

Is HMO investing still worth it in 2026, and what do you actually need to know before getting started?In this episode, I'm on the other side of the mic as Ant Lyons from YPN Magazine puts me through my A–Z of HMO investing, covering everything from what makes a good deal and how to fund one, to Article 4, location, management, compliance and the mistakes that can quickly turn a promising project into an expensive one.I also share how my own approach to investing has changed over the years and what I would do if I were starting again today with £100,000.

Andy Graham talks HMO investing, market survival, and building a business that gives you your life back. In this episode, Ant sits down with Andy Graham — co-founder of HMO Roadmap — to talk about what's really working in HMO investing right now, and what isn't. Andy shares why he's still bullish on UK property despite the Renters' Rights Act, rising costs, and a tougher lending environment, and breaks down the exact numbers he uses to judge a good deal (hint: it's not just about yield). They also get into:

Send us Fan MailMost people don't fail in property because they picked a “bad” strategy. They fail because they picked a strategy that doesn't fit their time, their risk tolerance, or the kind of business they actually want to run. We unpack that decision in plain English and use realistic numbers to compare the workload and cash flow behind buy-to-let, HMOs, and serviced accommodation, so you can stop guessing and start choosing with confidence.  We walk through what changes when you move from a vanilla buy-to-let to a busier HMO model, including bills, management, and the higher wear and tear that comes with more tenants and more turnover. Then we get honest about serviced accommodation: yes, the revenue can be higher, but you're signing up for hospitality standards, furnishing costs, constant churn, and seasonal swings. If you want to do short-term rentals well, you need to think in 12-month cycles, not “good month vs bad month.”  We also dig into a route many investors overlook: social housing and supported living. With the right provider and lease structure, it can be more hands-off than HMOs or short-term lets, and the net profit can surprise you once you factor in reduced management and maintenance costs. Finally, we explain back-to-back leasing, a practical way to sit between a landlord and a provider, solve problems for both sides, and earn a realistic margin even when a deal doesn't stack as an HMO or serviced accommodation.  If you want more training and support, visit educationtoaction.com. Subscribe for more straight-talk property investing, share this with a friend who's stuck choosing a strategy, and leave a review with the one approach you're leaning toward and why.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...

Should you manage your own HMOs, or pay somebody else to do it?It's one of the most common questions HMO investors ask, and the decision is often based on one thing: how much money you could save by self-managing.But after nearly 20 years of investing in and managing HMOs, I can tell you there's far more to consider than the management fee.In this episode, I break down what managing an HMO actually involves, the pros and cons of doing it yourself versus outsourcing, and the real cost of management when you factor in your time, attention and responsibility.

Send us Fan MailTrying to buy every deal the “normal” way can trap you in constant competition, tight lending, and sellers who want speed more than structure. We take a different angle: using purchase lease options to control a property now, lock in an agreed purchase price, and earn income during the lease period while keeping the option to buy later. It's not a magic trick and it's definitely not a strategy you force onto every seller, but in the right situation it can be one of the most flexible tools in a property investor's kit.We walk through the real definitions and the practical differences between a purchase lease option, a purchase option, and a lease option, including the strike price, option fee, lease fee, and why “assignable” paperwork matters if you decide not to complete the purchase yourself. We also get honest about where investors blow it: trying to use options when a vendor needs cash immediately, ignoring agents' incentives, and skipping clear communication that prevents buyer's remorse and expensive pullouts.From there, we zoom out into deal-making judgment: when it makes sense to offer a seller more money if they can wait, how assisted sales can work (and why current market conditions can add risk), and how to protect yourself with simple heads of terms before solicitors get involved. We finish with a detailed case study on a six-bed HMO where a small upfront cost secures control, monthly profit, and a plan to fund the eventual deposit from cash flow, plus a look at supported living as a longer-term lease option play.If you want smarter ways to structure UK property deals and improve cash flow without overpromising, hit play, then subscribe, share this with another investor, and leave a review so more people can find the show.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...

Jacie and Barbara share some suggestions for a “CIRS starter pack” inspired by their community: a menu of practical, non-medical supports to help CIRS patients feel better while waiting to see a provider and pursuing root-cause treatment. They cover environmental steps like using an Air Oasis air purifier and improving cleaning/laundry and bedding routines, plus daily hygiene tools like acidifying body wash. They discuss sleep basics (consistent schedule, morning light for MSH, and optimizing light/sound/temperature), hydration and electrolytes for ADH/osmolality issues, nutrition with adequate calories and protein, and the importance of daily bowel movements for binder-based toxin elimination. Gut support includes going gluten-free, ProButyrate, prebiotics (Sunfiber, HMO, beans/edamame), and probiotics (Probiotic Pro, Florastor). They also address slow, titrated movement, recovery tools (sauna, red light, Epsom baths/magnesium spray), nervous system regulation and supportive community, histamine/mast cell strategies (Zyrtec, cromolyn nasal spray, DAO, HistaAid), as well as their own personal starter-pack essentials. For more information and support, join us at https://thecirsgroup.com TIMESTAMPS 00:00 Intro and disclaimer 01:14 How to use this menu 02:19 Disclaimer 02:58 Environment hacks 08:12 Sleep routine and tips 11:44 Hydration and electrolytes 13:09 Nutrition and diet 15:54 Poop! 17:19 Gut Support: gluten free diet, supplements, beans 21:23 Movement and recovery 24:20 Community 26:46 Nervous System Regulation 31:19 Histamine and mast cell support 32:28 Suggested supplement starter stack 33:48 Feel better while healing (or waiting to heal) 36:09 Jacie and Barbara's personal Starter Packs 39:16 Wrap Up For more information and support, join us at https://thecirsgroup.com HELPFUL LINKS MENTIONED: Air Oasis filter: https://www.airoasis.com/ Our insomnia episode: https://youtu.be/1Qj2XRDurUs?si=DnK1wfUBJKqjbbmF Our Dr. Lacey interview: https://youtu.be/baldT8N7nl4?si=_s1jQ3_rNQHTF22S Jacie's Nervous System Resources: https://builttoregulate.com/ CIRS communities: The CIRS Group: https://thecirsgroup.com CIRSLab: https://www.cirslab.com/ CIRS Healing Collective: https://simplifiedwellnessdesigns.com/cirs-healing-collective   Order Jacie's book! The 30 Day Carnivore Bootcamp: https://a.co/d/7MgHrRs The CIRS Group: Support Community: https://thecirsgroup.com Instagram: https://www.instagram.com/thecirsgroup/ Find Jacie for carnivore, lifestyle and limbic resources: Jacie's book on the Carnivore diet!  https://a.co/d/8ZKCqz0 Instagram: https://www.instagram.com/ladycarnivory YouTube: https://www.youtube.com/@LadyCarnivory Blog: https://www.ladycarnivory.com/ Find Barbara for business/finance tips and coaching: Website: https://www.actlikebarbara.com/ Instagram: https://www.instagram.com/actlikebarbara/ YouTube: https://www.youtube.com/@actlikebarbara Jacie is a Shoemaker certified Proficiency Partner, NASM certified nutrition coach, author, and carnivore recipe developer determined to share the life changing information of carnivore and CIRS to anyone who will listen. Barbara is a business and fitness coach, CIRS and ADHD advocate, writer, speaker, and a big fan of health and freedom. Together, they co-founded The CIRS Group, an online support community to help people that are struggling with their CIRS diagnosis and treatment.

Some properties look like great HMO deals on paper, but there are certain problems that no amount of negotiating, refurbishing or clever deal structuring can fix.In this episode, I break down the types of properties I think HMO investors should avoid, or at the very least approach with a great deal of caution, and explain why some of these seemingly attractive opportunities can become very expensive mistakes.

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

Most HMO investors spend thousands getting a property finished, but when it comes to the things tenants actually see, the budget has often disappeared.In this episode, I'm joined by Sammie and Adam Wale from Aben Interiors, HMO investors and specialists in HMO property staging, photography and videography. We explore why presentation matters more than ever and how getting those final details right can help you achieve higher rents and fill your rooms faster.We also share real examples of projects achieving rents 15% to 24% above market rates and discuss why professional photos and videos can become some of your most valuable marketing assets.

#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.

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.

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?

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

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 ===

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

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