Podcasts about hmo

spotify balancing builds hmo

Play Episode Listen Later Jul 16, 2025 34:01 Transcription Available

In today's episode, I'm sharing one of my honest, no-filter business updates. It's been a while since the last one in February, and there's a good reason I've waited until now.I'll be lifting the lid on what's been happening in my world: from the latest in my development and HMO businesses, to everything I've been juggling outside of work. These updates are my way of keeping things real and transparent with you.Yes, I'm a property investor and business owner, but like many of you, I'm also trying to balance other goals and challenges in life. And let's face it, none of this is easy.So if you're curious to know what's really been going on behind the scenes - good, bad, and everything in between, tune in and enjoy this catch-up episode.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Episode 267 - Would 40mm Change Your Life - HMO Issues

The Property Rebel

Play Episode Listen Later Jul 10, 2025 8:54

Arsh just received a demand from Manchester City Council to replace 10 perfectly working hand basins - not because they're broken, but because they're 40mm too small according to local HMO regulations. The kicker? This "upgrade" will actually make the compact en-suites less functional while costing serious money. It's got him questioning whether local authorities are focusing on the right priorities for tenant welfare. Listen to find out why this regulatory battle has Arsh considering delicensing his entire portfolio. Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach Wanna connect with Arsh? Click this link: www.arshellahi.com/contact Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below: Apple Devices: Download Here Android Devices: Download Here Or Visit the website by clicking HERE Thank you for listening! #propertyrebel

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The 60-Second Check: How to Instantly Filter Bad HMO Deals Out

spotify deals filter hmo key metrics

Play Episode Listen Later Jul 9, 2025 28:32 Transcription Available

If you're spending way too much time looking at HMO deals that just don't stack up, this episode is for you. I'm breaking down the exact 60-second check I use to quickly filter out the rubbish - and trust me, this will save you hours (and probably a few headaches too).Here's what we cover:02:20 - The Importance of Efficient Deal Filtering05:42 - Key Metrics for Evaluating HMO Deals11:47 - Understanding Planning and Its Implications17:39 - Refurbishment Costs and Their Impact on DealsThese quick checks will save you hours, stress, and potentially a lot of money. If you want to stop wasting time and get focused on deals that actually work—tune in now.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Health Cent$: Michael Tremblay, DO on DPC vs. Traditional Insurance Based Primary Care

HealthcareNOW Radio - Insights and Discussion on Healthcare, Healthcare Information Technology and More

Play Episode Listen Later Jul 5, 2025 26:32

On this episode, host Adam Russo welcomes Michael Tremblay, DO, President of Action Medicine DPC. Dr. Tremblay is Adam's personal Driect Primary Care Physician in Massachuesetts. Dr. Tremblay shares the differences of his practice from the traditional insurace based primary care model. They also discuss what is happening with the state legislature and trying to remove the HMO hold on referals to their network specialist. To stream our Station live 24/7 visit www.HealthcareNOWRadio.com or ask your Smart Device to “….Play Healthcare NOW Radio”. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

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You're Not Scaling — You're Spinning Plates (Here's How To Hit £10K Faster)

spotify scaling proven spinning plates hmo systemising

Play Episode Listen Later Jul 2, 2025 26:57 Transcription Available

Are you working harder than ever on your HMO business, but still not seeing the progress you expected?You're not alone and this episode is here to help. We're diving into the reasons so many HMO investors get stuck spinning plates, and the practical steps you can take to finally break through and scale towards that £10k-a-month milestone.Here's what we cover: 01:36 – The key challenges holding your HMO business back 10:35 – Proven strategies to overcome stagnation 11:06 – How delegation and outsourcing can drive growth 16:10 – Systemising your business for consistent results 19:28 – The importance of focus in achieving your goals-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

303 - Hands Free Portfolio With 60% Return on Cash

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Play Episode Listen Later Jul 1, 2025 31:24

This month we invite back Umesh Kalra of Moneyrow Properties who last appeared two years ago on Episode 145: Property For Nothing And The Land For Free. Umesh is a family man and was previously in IT before building his portfolio and going full time in property. He shares his 10 years of property investing experiences before making the decision to invest in his education and to then see his portfolio and business taking off. Umesh has been on Property Entrepreneur for three years and is a founding member of Adam Goff's Mastermind group. Umesh now provides a full range of residential investments with his Portfolio Builder Service and he discusses his process and three of his recent deals. Here are the numbers: 7 bed HMO in Kirby, Leicestershire Purchase Price: £240,000 £19,280 professional fees, stamp duty etc £15k + vat Portfolio Builder Fee £190,560 refurb incl furnishings etc Total: £467,830 Gross Development Value (GDV): £600,000 Equity: £132,170 Cashflow: £21,651 pa Return on Capital Employed: 67% on £32,000 6 bed HMO in Coalville, Leicestershire Purchase Price: £172,000 £15,200 professional fees, stamp duty etc £15k + vat Portfolio Builder Fee £187,400 refurb incl furnishings etc Total: £392,600 Gross Development Value (GDV): £495,000 Equity: £102,400 Cashflow: £20,145 pa Return on Capital Employed: 63% on £32,000 3 bed semi Buy To Let in Leicester Purchase Price: £165,000 £35,000 professional fees, stamp duty and refurb £10k + vat Portfolio Builder Fee £190,560 refurb incl furnishings etc Total: £212,000 Gross Development Value (GDV): £250,000 Equity: £38,000 Want to contact Mark or his guests? www.thepropertybrokerage.co.uk mark@thepropertybrokerage.co.uk Umesh Kalra https://www.instagram.com/umeshkalra7/ https://www.facebook.com/umesh.kalra1 Moneyrow Properties - HMO Property Builder https://www.linkedin.com/company/moneyrow-properties/ https://www.instagram.com/moneyrowproperties/ This isn't a theory. It's a proven Blueprint.

Rent Caps, Licensing, Ang Fatigue - What It Means for Investors

Scottish Property Podcast

Play Episode Listen Later Jun 30, 2025 48:59

In this episode of the Scottish Property Podcast, Nick and Steven are joined by Colin Macmillan, managing director of Glasgow Property Letting, for a deep dive into what's really happening across the Scottish property market.With interest rates expected to shift, rents showing signs of cooling, and new legislation looming, this episode breaks down the latest data and trends affecting both investors and landlords.Colin brings hands-on insight from managing over 300 properties, giving a grounded perspective on how landlords and letting agents are navigating the current landscape.Key Highlights:

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Burned Out or Starting Over? What to Do If You're Starting Again...

The Deal Maker by Liam Ryan

Play Episode Listen Later Jun 30, 2025 14:48

Ask Yourself This...If You Had to Start from Scratch in 2025, What Would You Do?Liam Ryan is joined by Hannah for an honest and practical conversation about what it truly takes to rebuild your life, income, and confidence when starting over. Whether you're feeling stuck in your career, worn down by your business, or simply ready for a fresh start, this episode offers real strategies you can apply right now.Liam shares how he went from bankruptcy to building a £31M+ property portfolio, using proven methods and other people's money, showing that financial freedom is possible, even without a strong starting point. The discussion covers income-generating strategies like rent-to-rent, deal packaging, and HMO investments, as well as how to create digital products and turn knowledge into a scalable business.Hannah talks about her journey from years of research and personal recovery to building online programs and health resources that now reach clients around the world. Together, they highlight the importance of mindset, taking action, and surrounding yourself with the right people.If you're ready to take control of your future and build something meaningful in 2025, this episode will give you the insight and direction to begin.Want in on the property action? Join one of our FREE game-changing events! Hit the link and let's make things happen! - https://www.assetsforlife.uk/optin69htrmle Hosted on Acast. See acast.com/privacy for more information.

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Corazón Azul Blanco: una iniciativa agrícola para mejorar la calidad de los alimentos

Mundo Ciencia

Play Episode Listen Later Jun 27, 2025 14:02

Corazón Azul Blanco es una iniciativa de prácticas agrícolas para alimentar de manera más sana a los animales y por ende, a los humanos. No hace mucho, Colombia se sumó a este movimiento internacional que nació en Francia hace 25 años. Un estudio clínico demostró que la leche materna tenía un mayor porcentaje de Omega 3 en las mujeres embarazadas que consumieron estos productos, así como una microbiota más diversa en los intestinos de los bebés. Por Ivonne Sánchez En español se llama Corazón Azul Blanco, en francés, Bleu Blanc Coeur, y el lema es "Para la tierra, los animales y la gente". Actualmente reúne a más de 1300 empresas y 10 mil agricultores y ganadores en el mundo. El padrino en Francia es el célebre chef Thierry Marx. Bleu Blanc Coeur es un conjunto de prácticas agrícolas que busca mejorar los alimentos a través de una mejor ingesta de nutrientes de los animales. Fue en los años noventa, que un ganadero rural francés observó que durante la primavera, sus vacas estaban en mejor forma y que la mantequilla que obtenía con su leche era más sabrosa y untuosa. Y comprendió que esto era debido a su alimentación rica en pasto y alfalfa. Mas adelante, junto con otros ganaderos y agrónomos se llevaron a cabo varias investigaciones para luego comprobar que cuando los animales tienen una alimentación diversa, rica en Omega 3 (pasto, linaza, alfalfa...) los productos derivados son de mejor sabor y calidad. Estos productos que pueden encontrarse en el supermercado o en circuitos locales, abarcan la carne, los huevos, crema, quesos, leche y otros derivados. El sello Bleu Blanc Coeur garantiza que ese producto cumple con los requisitos propios del movimiento. La asociación sin fines de lucro está presente en 20 países; hace dos años, Colombia se sumó a esta iniciativa agrícola. Jérémie Renaud es jefe internacional de Bleu Blanc Coeur y explicó para RFI los principios fundamentales de esta iniciativa: Estudio clínico sobre la leche materna La asociación ha llevado a cabo varios estudios científicos, el último, relacionado con la leche materna. El estudio clínico fue llevado a cabo en el Hospital Universitario de Rennes. Dos grupos de mujeres embarazadas recibieron la misma alimentación, la única diferencia fue que el primer grupo recibió productos estándar, mientras que el segundo alimentos con el sello Bleu Blanc Coeur (BBC). El resultado: un aumento del 75% de Omega 3 en la leche materna de las madres "Bleu-Blanc-Cœur", pero también más inmunoglobulinas, proteínas y HMO, oligosacáridos, cruciales para el desarrollo del infante. También se observó una mayor diversidad microbiana intestinal en los bebés.

Scaling from 5 to 50 HMO Rooms — What Would I Do Differently?

Play Episode Listen Later Jun 25, 2025 35:58 Transcription Available

In this episode, I'm taking you behind the scenes of my own journey scaling from 5 to 50 HMO rooms. I'm rewinding the clock and sharing exactly what I'd do differently if I had to do it all over again.You'll hear the honest truth—what really worked, what I got completely wrong, and the lessons I learned the hard way. Most importantly, I'll walk you through a practical, no-fluff playbook for growing your own HMO portfolio in a smarter, faster, and more sustainable way—without repeating my mistakes.Topics covered in this episode:02:51 - Key Success Factors in Growing HMO Portfolio12:08 - Mistakes Made and Lessons Learned25:26 - What I Would Do Differently-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

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Vår plan

Play Episode Listen Later Jun 23, 2025 30:15

Den här veckan delar vi med oss av vår plan framåt – varför vi gör det vi gör, vilka steg vi planerar att ta och hur vi tänker strategiskt kring vår resa.Ett ärligt avsnitt om mål, visioner och nästa nivå.Vi håller en nätverksträff den 15 augusti kl. 18.00–21.00 på Clarion Hotel Amaranten, i baren.Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://us6.campaign-archive.com/?u=5b6248a33b48fa474db5c8976&id=57a85f086eTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

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Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits - AZ TRT S06 EP10 (272) 6-15-2025

AZ Tech Roundtable 2.0

Play Episode Listen Later Jun 19, 2025 47:20

Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits - AZ TRT S06 EP10 (272) 6-15-2025 What We Learned This Week Health Insurance is primarily run by the Big 4 - BUCA: Blue Cross United Healthcare, CIGNA, Aetna To Insurance Co's – Premium = Revenue, and they are not going lower profits, so no incentive to lower costs Health insurance employer group plans can be broken down into 4 Parts Network PPO is what people typically think of when they think of health insurance There have been revisions to the Healthcare Act passed in 2021 Guest: Donovan Ryckis, Ethos Benefits https://ethosbenefits.com/ https://ethosbenefits.com/documentary/ https://businessofbenefitspodcast.com/ Our Ethos is Simple: Fiduciary First. Act in the best interest of those we serve—no matter the cost. ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose. Our Ethos is deeply rooted in the story of our Founder, Donovan Ryckis. Over a decade ago, Donovan, a fiduciary Series 65 securities advisor specializing in retirement and pension planning, was approached by a client facing a dire situation. The client's publicly traded broker claimed there was no solution for a staggering 37.5% health insurance renewal increase—a cost that threatened the business and its employees. With no prior experience in health insurance markets but guided by his unwavering fiduciary principles, Donovan took on the challenge. The result? He mitigated the risk entirely, delivering a solution 12% below the current rate. This allowed the business to thrive and ensured hundreds of employees wouldn't have to choose between basic necessities and skyrocketing health premiums. That moment sparked a revelation. The fraud, waste, and abuse Donovan had fought in retirement planning paled in comparison to the challenges in healthcare. He saw an opportunity to bring transparency and fiduciary principles to an industry in desperate need of change. Donovan pivoted his career, becoming one of the first fee-based health insurance advisors in the nation. By removing all conflicts of interest in broker compensation, he laid the foundation for what is now the leading innovative employee benefits agency in the country, delivering higher quality care at a significantly lower cost to employers nationwide. Notes: Ethos Benefits deals with employee benefits, with a primary focus on group health insurance Per Donovan ‘Employee benefits are rigged' Insurance company premium equals revenue. There is no incentive to lower cost, as it would lower profits. ACA Obamacare passed in 2010, and it capped profits for insurance companies at 20% Insurance Co's are working to expand their pool to make more profit Health Insurance guarantees inflation keeps going up, so family of 4 could spend 35K a year For a business, healthcare cost and employee benefits are a top 3 P&L expense Ethos strategies can create a 30 to 40% reduction on premium impact to lower costs for a business The HQ is in Florida, but they are a virtual office with agents and clients nationwide Healthcare finance and delivery + Improving employee benefits Seg 1 Donovan's bio, he was a financial advisor with a Series 65 license before he got into health insurance. Around 2014 he moved into health insurance seeing an opportunity for better service. Typically you see agents who are working for the health insurance company and not really working for the employer companies they are selling to. Health insurance is primarily run by the Big 4 – BUCA: Blue Cross United Healthcare, CIGNA, Aetna. Health insurance employer group plans can be broken down into 4 Parts: 1. TPA or third-party administrator 2. Network PPO or HMO 3. Pharmacy benefit RX 4. Insurance that covers the caps the limits on the stop loss PPO is your primary network and open on using referrals HMO is a non-preferred network typically has less offerings and tight on referrals Ethos Benefits helps employers to break up the four parts of a group plan and customize Network PPO is what people typically think of when they think of health insurance. Network and the Big 4 health companies have a tighter deal with doctors and contract prices. A lot is pre-negotiated with a set of rates, which is the point of a PPO. This is where you get larger claims and they run in the system of healthcare. Seg 2 Pay more for healthcare in the U.S. than the rest of the world The biggest pharmaceutical companies are in the US Pharmaceutical companies in flight prices, and also set the prices They make money through spread pricing Employers can actually pick up their own Pharma benefit and get the rebates that the big health insurance companies are not giving them Healthcare system is a rigged game The fraud waste and abuse extremely high in health 401(k) and retirement benefit industry is actually tighter with more disclosure than the healthcare industry Regulated better since the creation of the Securities Act in the 1930s and updates that ran through the 1970s and beyond with things like ERISA There have been revisions to the healthcare act passed in 2021 - started in Jan.2022 Actions had 3 disclosures: · Brokers comp and bonus · Data with gag, clauses, and full access to data upon request · Benchmarking for drug cost Further Notes via Google: The revisions you are likely referring to are part of the Consolidated Appropriations Act of 2021 (CAA). While the CAA was passed in late 2020, many of its provisions, including those related to transparency in healthcare, became effective on January 1, 2022. The three key areas of disclosure you mentioned are directly addressed within these regulations: 1. Broker's Compensation and Bonuses: The CAA amends ERISA Section 408(b)(2) and requires service providers, including brokers, to disclose specific information to group health plan fiduciaries. 2. Data Transparency (Gag Clauses and Full Access to Data): The CAA prohibits gag clauses, which prevent plans from providing access to their data. It also requires health insurance carriers to attest annually to their compliance with this prohibition. Moreover, the Health DATA Act, a proposed bill, would further reinforce the right of employers to access their data and hold service providers accountable for non-compliance. 3. Benchmarking for Drug Costs: The CAA includes provisions regarding pharmacy benefit and drug cost reporting, which aims to provide greater transparency and potentially lead to better benchmarking of drug costs. The Build Back Better Act, a separate piece of legislation, also included provisions for Medicare to negotiate drug prices, further impacting drug costs and potential benchmarking. These revisions aim to increase transparency in healthcare pricing and empower consumers and employers to make more informed decisions about their healthcare coverage. Seg 3 Ethos works with Employers to create business plans usually with a 3 to 5 year time horizon. The goal is long-term to lower healthcare cost. Example would be a company with 100 employees with 50 to 80% of them on the health plan (does not include dependents). Ethos wants to keep the demands of a company low, easy transition. Ethos handles employee Qs and healthcare navigation. Ethos is full service. Risk handled 1 of 4 ways - Reduce, avoid, retain, transfer - Transfer to insurance Broker wants to transfer risk Company can control costs Careful not to have too much disruption with a switch to a new company Ex - start with pharmacy part NDC National Drug Code Run report vs costs Pharmacy benefit mgr Pre packaged health plan Gets co approved pharmacy benefit Save 5 - 15% on costs (30%) Separate - parts of group plan Seg 4 Brokers comp - incentives from big insurance companies Opening move - edit pharmacy benefit piece State by state - regulators and rules Employers / employees Know the network and PPO Nationwide covers insurance part – Stop-loss Insurance 30-40 major stop loss companies Ex: Allstate Met Life Sun Life Stop-loss insurance for group health plans acts as a financial safety net for self-funded employers, protecting them from large, unpredictable medical claims. It is a form of additional insurance. Healthcare risk is incredibly predictable on group basis Overall predictable w stats, actuarial analysis Gag clauses look at dataset from current carrier Prescription database sets 3rd party admin are less of a concern, lots of claims Average of 18 claims per employee per year, includes dependents Data - review AI Claims analytics software AI claims analytics software is transforming how insurance companies handle claims by leveraging artificial intelligence and machine learning to analyze data, automate tasks, and improve decision-making. 30 - 40% reduction in premium w Ethos Further Notes via Google: Group Medical Plans Breakdown of the common components of a comprehensive employer group health plan, particularly within the context of a self-funded model. Here's a more detailed explanation of each part: 1. TPA (Third-Party Administrator): A TPA is a company that provides administrative services for self-funded health plans. This includes processing claims, handling enrollment, and managing other administrative tasks that would typically be done by an insurance company. 2. Network (PPO or HMO): This refers to the group of doctors, hospitals, and other healthcare providers that the health plan contracts with to provide services to its members. The network defines where employees can go to receive care and often dictates the level of coverage they will receive (e.g., in-network vs. out-of-network benefits). · PPO (Preferred Provider Organization): Offers more flexibility, allowing members to see out-of-network providers, though with higher out-of-pocket costs. · HMO (Health Maintenance Organization): Typically requires members to stay within the network for covered services, except in emergencies. Pharmacy Benefit (RX): This component manages the prescription drug coverage for the plan. It includes negotiating drug prices, processing claims for prescriptions, and managing the plan's formulary (list of covered drugs). Stop-Loss Insurance: This is a crucial element for self-funded employers. It protects the employer from catastrophic claim costs. If an individual employee or the entire group's claims exceed a certain threshold (the "attachment point"), the stop-loss insurance kicks in to cover the excess costs, limiting the employer's financial liability. Additional Considerations: · Data Access: Self-funded plans often provide employers with greater access to claims data, which can be used to analyze healthcare costs, identify trends, and implement strategies to improve employee health and manage costs. · Benchmarking: Employers can use claims data and industry benchmarks to compare their plan's performance to similar organizations and negotiate better rates with providers and other vendors. · Wellness Programs: Some employers offer wellness programs to encourage employees to adopt healthy behaviors and potentially reduce healthcare costs. · Essential Health Benefits (ACA Compliance): Group health plans must comply with the Affordable Care Act (ACA), which requires them to cover a list of essential health benefits, such as outpatient care, emergency services, hospitalization, and prescription drugs. · Other Benefits: Group plans can also include other benefits, such as dental, vision, life insurance, and long- and short-term disability insurance. Understanding these different parts is essential for employers to effectively manage their group health plan, control costs, and provide valuable benefits to their employees. Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement ‘Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT Thanks for Listening. Please Subscribe to the AZ TRT Podcast. AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business. AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving. Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more… AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/ Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.

【衝撃】意外と日本人が間違って発音しているアルファベットのリンキング

ドクターDの海外で通用する発音を目指せ！

Play Episode Listen Later Jun 18, 2025 13:50

PresenterドクターD イングリッシュ発音トレーナー：服部レイ・マスタートレーナー・Dr.Dイングリッシュ７年目・８年ぶりに中国に帰省したIntroduction意外と伝わらない “アルファベット” の発音・アルファベットも“カタカナ発音”から脱却し、もっと伝わりやすく！アルファベットが伝わりにくい原因・カタカナのまま・ストレスが足りない・子音の輪郭がぼやけているアルファベットはストレスを置く“内容語”・大事な情報・アルファベットは立派な一音節・一音節ずつしっかりストレスをおく・子音の輪郭をハッキリさせる・アルファベットもリンキングするF /ef/　　　　　　N /en/H /eich/　　　　 R /ah-r/L /el/　　　　　　S /es/M /em/　　　　　X /eks/FBI→ an FBI agentMRI → an MRI imageX-ray → an X-ray exam文法というより発音のルール文法は発音して覚えるFBI→ an FBI agent/un Nef Bi (y)ah-i (y)ei junt/MRI → an MRI image/un Nem Mar (r)ah-i I mij/X-ray → an X-ray exam/un Neks Rei (y)ig Zam/アルファベット同士もリンキングするF/ef/　　M/em/　　N/en/　　H/eich/FM /E Fem/ Zip FM /Zi Pe Fem/H&M /Ei Chen Nem/I went to an H&M store yesterday./ai Wen tu (w)un Nei Chen Nem Sto-r Yes ter dei/F/ef/　　M/em/　　N/en/　　H/eich/MBA /Em Bi (y)ei/He received an MBA degree./hi ri Siv dun Nem Bi (y)ei di GRi/N/en/　　H/eich/　　M/em/CNN /Si (y)en Nen/HMO /Ei Chem Mou/I have an HMO./ai Ha vun Nei Chem Mou/N/en/　　H/eich/　　M/em/NHK /En Neich Kei/CSR /Si (y)e Sah-r/・Customer Service Representative・Corporate Social ResponsibilityL/el/　　S/es/　　R/ah-r/IRA /Ai (y)ah-r (r)ei/I want to open an IRA account./ai wah nuh OU punnun Nai (y)ah-r (r)ei uh Kaunt/L/el/　　S/es/　　R/ah-r/LA /E Lei/She's from LA. /shiz frum Me Lei. /・F, H, L, M, N, R, S, X - 母音で始まる子音・アルファベットは内容語→ストレス乗せて、たっぷり息を吐いて子音を際立たせる・ブレスフローを維持してリンキング・一音節ずつ丁寧に

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When to Sell Your HMO (And Why Holding On Could Be Slowing You Down)

spotify preparing selling holding right time slowing hmo seven reasons

Play Episode Listen Later Jun 18, 2025 25:10 Transcription Available

In this episode, we're talking about when it might be the right time to sell your HMO – and why holding on to it could actually be holding you back.At some point, the decision of whether or not to sell your assets is something you'll need to give serious thought to. So today, we'll explore the different scenarios where selling could be a smart and timely move.But to be clear – this isn't about convincing you to sell. Far from it. It's about helping you prepare, so that when the time does come, you're in the strongest possible position to get the very best return from your HMO.Topics covered in this episode:01:21 - Understanding the Right Time to Sell Your HMO02:31 - The Importance of Selling in Property Investment04:25 - Seven Reasons to Consider Selling Your HMO19:47 - Preparing for the Sale: Building a Sellable Asset-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

The Secret Sauce to Creating HMOs in Article 4 Areas

Expat Property Story

Play Episode Listen Later Jun 18, 2025 38:51

#222Choosing the right location for an HMO is crucial.You need primary locations where tenant demand is strong.But these are often in Article 4 areas. Most are overpriced.In this episode, we reveal the secret sauce to getting an HMO in an Article 4 area.Tristan Gordon of Zebra Invest is the perfect person to talk about HMOs. He helps landlords navigate the complexities of regulations through his company HMO CompliantWe discuss:HMO Locations: The importance of selecting strong-demand locations for HMOs, often in Article 4 areas where supply is limited and values are higher.Article 4: a planning regulation adopted by councils to control HMO conversions in certain areas.HMO Demand/Supply Imbalance: Operating within Article 4 areas can be lucrative due to lower competition, despite higher perceived barriers.The 10% RuleHMO Registers vs PlanningGrandfather Rights & Lawful Development Certificates (CLUs) to prove continuous HMO use and get planning.Gathering Evidence for CLUs: Tenancy agreements, rental income proof / letting agent records / electoral rolls / sworn affidavits.Dangers of Unproven HMOs: Buying HMOs without proper planning = fewer mortgage options / lower value.Direct to Vendor Marketing: Handwritten leaflets / targeted data analysis / timingUse of Data Tools: Combining EPC / sales data / HMO registers to find sellers."Sandwiching": restriction of properties adjacent to existing HMOs Certificates of Lawful Use (Existing & Proposed): for regularising historic use and for establishing intended use, for selling / refinancing.Incremental HMO Planning: Increasing HMO sizes step by step e.g. from 6 to 7+ beds) Detective skills: Public records, planning portals, Trace Genie — persistence and smart data gathering can give you an edge.I'd Like Help With Setting My GoalsLeave a reviewJoin our WhatsApp group / access 37 Question Due Diligence Checklist / 23 Step Guide to Buying Property at AuctionInstagramExclusive Property Engine discounts (Code: EXPAT)Starter package: 30 day trial instead of the usual 14Pro package 30 day trial, then 3 months 1/2 price, Ultimate package, 1/2 price for 3 monthsTristan's YouTube ChannelKeywordsExpat property investment, UK property investing, HMO investing UK, Article 4 HMO, Remote property investing, Buying HMOs Article 4, UK property for expats, Direct to vendor marketing property, HMO license vs planning permission, Certificate of Lawful Use HMO, Grandfather rights HMO UK, How to find motivated property sellers, HMO compliance UK, Article 4 area property strategy, HMO planning application tips, Sourcing HMOs for expats, HMO property valuation Article 4, UK electoral roll for property investment, British Library electoral data property research, Trace Genie property owner search, Creative property sourcing UK, Freehold ground rent UK, Planning permission increase HMO occupancy, Brand/Name Keywords, HMO Compliant company, Sui generis HMO planning, Rent to rent HMOs UK, C3 to C4 conversion UK, HMO council rules UK

The Harsh Truth About Running HMOs in Scotland with Angus Johnston

Scottish Property Podcast

Play Episode Listen Later Jun 16, 2025 59:48

In this episode of the Scottish Property Podcast, Nick and Steven sit down with Angus Johnston, founder of LetUs, a Glasgow-based letting agency specialising in HMOs. Angus shares his fascinating journey from aspiring investment banker and full-time wedding singer to building a business managing over 120 properties – with a strong focus on the student HMO market in Glasgow.Episode Highlights:

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Ep. 155 - Retail vs Institutional Investing: Hidden HMO Opportunities Most Investors Miss

The HMO Property Show

Play Episode Listen Later Jun 11, 2025 18:28

In this special solo episode, Neil Gibb shares a powerful preview from his upcoming book Micro-Apartment Millions – diving into a chapter that could reshape the way you think about property investing forever. Neil explains how commercial valuation methods used by institutional investors (think family offices and super funds) differ massively from typical retail property thinking. If you've ever been stuck chasing capital growth, waiting for the market to do the heavy lifting – this is the wake-up call you didn't know you needed. You'll learn: Why your HMO isn't “just another house” The simple valuation formula that builds millions in equity – fast How yield, not suburb growth, drives serious portfolio value Why institutional players only work with scalable, professional operators How you (as a retail investor) can align yourself with commercial-grade opportunities

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Episode 263 - Is Buy To Let Dead?

The Property Rebel

Play Episode Listen Later Jun 11, 2025 15:58

In this week's episode of The Property Rebel, Arsh Ellahi tackles one of the most hotly debated questions in the UK property investment community. With interest rates normalising between 5-6% and cash flow margins tightening, many investors are questioning whether buy-to-let still makes financial sense. What You'll Learn: Real-world cash flow analysis - Breaking down the numbers on a £100k property investment The true cost of financial freedom - Why you might need £300k to generate £3k monthly income Buy-to-let vs HMO strategies - Comparing cash flow, management complexity, and exit strategies Capital appreciation case study - How a 25-year property investment delivered over £100k in gains Strategic decision-making - Choosing the right investment approach for your goals Key Insights: Drawing from over 24 years of property investment experience, Arsh shares a compelling case study of a Wolverhampton property purchased in 2000 for £75k, now valued at £180k, while generating steady rental income throughout. Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach Wanna connect with Arsh? Click this link: www.arshellahi.com/contact Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below: Apple Devices: Download Here Android Devices: Download Here Or Visit the website by clicking HERE Thank you for listening! #propertyrebel

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Flats vs Houses for UK Property: Seven Surprising Advantages of Each

Expat Property Story

Play Episode Listen Later Jun 11, 2025 23:45

#221Some people in UK property prefer to buy flats. Some people prefer houses.Where do your preferences lie? Is your preference the same now as a few years ago? This episode takes you through the advantages and disadvantages of both property types to bring your knowledge on this topic up to date.By the end of the show, you'll have a better idea of where you stand in 2025: Flats or Houses.Overview of seven advantages of houses over flats:Greater control as a freeholder versus leaseholder.Increased security and privacy.More development potential (extensions, lofts, HMOs, or conversion to flats!)Longer tenancy periods (attracting families who stay longer).Potential for capital growth, especially for certain house types and locations.More exit strategies and easier resale due to broader market demand.Summary of flats' disadvantages (e.g. lease issues, service charges, noise, cladding).Overview of seven advantages of flats over houses:Lower entry cost, making it easier to get started in property investment.Potentially higher yields based on lower purchase prices.Flats may currently be undervalued, creating possible buying opportunities.City centre locations, which attract short-term lets and service accommodation.Lower maintenance costs and more predictable expenses (thanks to service charges).Less active management required, often attracting expats and remote investors.Summary of houses' disadvantages (higher costs, more active management required).Analysis of regional price gaps and factors such as cladding, COVID, and city living trends.Reminder that choosing between houses and flats depends on investment goals and location-specific research.Mention of other strategies and market opportunities, like lease extensions and commercial auctions.Conclusion: Investors don't have to choose one or the other—consider diversification, understand local markets, and aim for a balance between cash flow and capital growth.I'd Like Help With Setting My GoalsExclusive Property Engine discounts (Code: EXPAT)Starter package: 30 day trial instead of the usual 14Pro package 30 day trial, then 3 months 1/2 price Ultimate package launches that will be the same, 1/2 price for 3 monthsLeave a reviewJoin our WhatsApp group / access 37 Question Due Diligence Checklist / 23 Step Guide to Buying Property at AuctionInstagramKeywords: UK property investment, flats vs houses, leasehold vs freehold, property control, property privacy, development potential, tenant turnover, rental yields, capital growth, exit strategies, property maintenance costs, city centre property, service charges, ground rent, cladding issues, property management, remote property investing, expat investors, HMO properties, property appreciation, property location, property diversification, cash flow, property auctions, short lease extensions, property market trends, investment goals, off-plan developments, new build flats, property value gap

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Funding HMOs in 2025: Inside the Lender's Mind with Together Finance

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Play Episode Listen Later Jun 11, 2025 41:05 Transcription Available

In this week's episode, I'm joined by Ryan Etchells from Together. Ryan is the Chief Commercial Officer at Together, one of the UK's leading specialist lenders. With a huge lending book, a strong appetite for HMOs, and years of experience in the sector, they really know their stuff.What you'll discover today is that Ryan brings a unique and valuable perspective from the lender's side of the table. He shares some brilliant insights—and, more importantly, practical advice—that could help you strengthen your applications and build better relationships with lenders.So, if you're finding it tough to get the results you want from a lender, or if scaling your property business has hit a financing wall, then this episode is one you don't want to miss!Topics covered in this episode:03:13 - Understanding Together Finance and Its Unique Approach07:43 - Current Trends in HMO Lending and Market Dynamics12:45 - The Importance of Relationships with Lenders17:04 - Defining a Good Deal in the HMO Market34:54 - Case Study: A Unique HMO Investment Story-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

Omfinansiering

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Play Episode Listen Later Jun 9, 2025 22:50

I det här avsnittet pratar vi om refinansiering – vad du behöver tänka på, vanliga fallgropar och vilka steg du bör följa för att göra det på rätt sätt.Vill du prova på vår mastermind?Vi erbjuder ett prova-på-tillfälle där du får känna på energin!Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://us6.campaign-archive.com/?u=5b6248a33b48fa474db5c8976&id=57a85f086eTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

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#174 - Katie Harvey - Burnout, Budgets, & Blueprints

The Ultimate FD Podcast

Play Episode Listen Later Jun 8, 2025 53:51

In this week's episode of the UFD Podcast, I'm joined by Katie Harvey co-director at Haines Homes and all-around powerhouse. Katie's not only been smashing it with her rent-to-rent HMO portfolio in Oxford, but she's also launched a brand new business called Breathe, focused on helping entrepreneurs avoid burnout and actually enjoy the life they're building. Katie and I dive deep into how she turned her business around by ditching the "scale-at-all-costs" mentality and zeroing in on profit margins. We dive into the power of financial planning, specifically how using a 12-month forecast helped Katie feel confident enough to leave her job as an electrical contractor, fully commit to entrepreneurship and create a life she's actually excited to live. Katie also introduces her new venture, Breathe, which is all about helping other entrepreneurs avoid burnout through intentional lifestyle design. It's a refreshing take on business - one that puts wellbeing and balance at the forefront. We chat about what it's like running a business with family, including the dynamics, the boundaries, and the benefits of working with people you trust. And finally, we explore how finding your “sweet spot” in business - that place where things run well without being overwhelming - can make all the difference. It's a proper behind-the-scenes look at how we've made big shifts, both in the business and in life - and why it's paying off in more ways than one. Give it a listen, and as always, let me know your biggest takeaways. You can connect with Katie across socials via her links below: https://www.instagram.com/haineshomes_/ https://www.linkedin.com/in/katie-harvey-097571195/ UFD RESOURCES:

The 5 Strategic Mistakes Still Holding Back HMO Investors in 2025

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Play Episode Listen Later Jun 4, 2025 30:48 Transcription Available

Struggling to Get Your HMO Business Off the Ground? You're Not Alone...In this episode, we're tackling some of the biggest challenges investors face when trying to grow their HMO businesses. If you're finding it hard to build momentum, if costs are rising, timelines are stretching, and the numbers just don't look as promising as you expected—this one's for you.I'll be breaking down the five most common strategic mistakes that I see time and time again, which could be holding you back from the success you're aiming for. More importantly, I'll be sharing practical solutions to help you overcome these challenges and move forward with clarity and confidence.Whether you're just starting out or looking to scale, don't miss this honest and insightful discussion designed to help you build the HMO business you really want—faster and more effectively.Topics covered in this episode:01:27 - The Five Strategic Mistakes in HMO Investing03:35 - Chasing Unicorn Deals11:17 - Underestimating Pre-Commencement Costs16:24 - Outsourcing Without Understanding19:47 - Not Playing the Numbers Game22:16 - Wasting Visibility Opportunities-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

How an Expat started his Expat Property Story

Expat Property Story

Play Episode Listen Later Jun 4, 2025 32:06

#220This episode explores how Matt, a Singapore-based expat, got started in UK property. You'll see the steps he took, the challenges he faced and lessons he learned. You'll get to see the detail behind the three deals he's done so far: two buy to lets and one HMO. During the episode, we discuss:· Choosing Property over Stocks: Matt found stocks and shares less predictable and exciting, preferring the tangible, long-term benefits of UK property.· Partnership with his builder Brother-in-law in the UK: leveraging complementary skills.· Setting Up a Joint Venture: Challenges around residency, lender requirements, and shareholder splits.· Company Structure and Lender Preferences: Limiting Matt's share to 19% (under the 20% threshold for mortgages) maximized their mortgage options.· Shareholder Agreement: They established a basic shareholder agreement (even using ChatGPT!) and took tax/accountancy advice to protect both sides and cover contingencies.· 1st Deal—Buy-to-Let in Birmingham: Their debut property was a terraced house fully renovated by the brother-in-law—bought with cash, got rented quickly, but had modest ROI (~8%).· 2nd Deal— Buy-to-Let: Boughton same street, similar renovation, lower purchase price, higher ROI (~20%).· 3ed Deal— 5-bed HMO Project: Purchased via pre-auction offer, converted with all en-suites, targeting professional tenants.· Navigating HMO Regulations: Matt emphasized the importance of understanding fire, safety, and local council HMO rules, leveraging an architect for compliance.· Finance and Valuation Strategies: The HMO refinance options included commercial, hybrid, and bricks-and-mortar valuations—each affecting how much capital could be recycled.· ROCE Comparison of Single Let Vs Hmo: Despite their HMO generating higher monthly cash flow, their standard single lets delivered a much healthier ROCE (Return on Capital Employed) of around 20%, while the HMO project achieved just under 9% ROCE, · Challenges as an Expat: Communication issues (time zones, local contacts), UK call centre frustrations.· Lessons Learned: the dangers of overanalyzing, the value of taking early action, and being flexible with deal expectations to maintain momentum.I'd Like Help With Setting My GoalsExclusive Property Engine discounts (Code: EXPAT)Starter package: 30 day trial instead of the usual 14Pro package 30 day trial, then 3 months 1/2 price Ultimate package launches that will be the same, 1/2 price for 3 monthsLeave a reviewJoin our WhatsApp group / access 37 Question Due Diligence Checklist / 23 Step Guide to Buying Property at AuctionInstagramKeywordsUK property investment, expat property investing, buy to let, HMO investment, joint venture property, property portfolio, Singapore expat, UK mortgages for expats, remote property investing, property partnership, limited company for property, shareholder agreement, property renovation, Birmingham propert

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The #1 Most Powerful Immune Food in the World (LIQUID GOLD)

Dr. Bergâ€™s Healthy Keto and Intermittent Fasting Podcast

Play Episode Listen Later Jun 2, 2025 5:20

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

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298 - Lessons Learnt On Building A 6-Figure Portfolio Through Property Sourcers

Journal of Clinical Oncology (JCO) Podcast

Play Episode Listen Later Jun 1, 2025 41:03

This month, Mark is joined by Matt Dolman, the Mindful Landlord who shares with us his journey of building a portfolio of 14 properties with 6 figure profits. Matt is in his third year on Property Entrepreneur and his second on Adam Goff's Mastermind. He has built his portfolio using property sourcer's to help find the properties, assist with any refurbishments and with the letting. Matt shares his experiences from buying his first flat to his latest two deals which are with a care provider on a 5 year lease. Whilst it is highly lucrative, it hasn't been without its challenges so listen to find out more! The numbers on his latest two deals are: 5 bed HMO in Salford, all en suite: Purchase Price: £250,000 Light refurb: £27,000 All in with costs: £30,000 Lease payment £2750 pm, £33,000 pa Return on cash employed: 11% 6 bed HMO in Wigan: Purchase Price: £120,000 Refurb: £100,000 All in with costs: £250,000 Lease payment £2340 pm, £28,080 pa Return on cash employed: 11% Want to contact Mark or his guests? www.thepropertybrokerage.co.uk mark@thepropertybrokerage.co.uk Matt Dolman Matt is setting up a program to help others build a Property Portfolio using sourcing agents and his power team, if it's of interest, you can reach him on: Email - matt@themindfullandlord.co.uk Instagram - #themindfullandlord This isn't a theory. It's a proven Blueprint.

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JCO at ASCO Annual Meeting: Use of Low-Value Cancer Treatments in Medicare

Play Episode Listen Later May 31, 2025 8:17

JCO Editorial Fellow Dr. Lauren Shih and JCO Associate Editor Dr. Stephanie Wheeler discuss the ASCO 25 Simultaneous Publication paper "Use of Low-Value Cancer Treatments in Medicare Advantage Versus Traditional Medicare." Transcript The guest on this podcast episode has no disclosures to declare. Dr. Lauren Shih: Hello, and welcome to our 2025 ASCO annual meeting series where we cover some of the top JCO papers published simultaneously with their abstract presentations at this year's meeting. I'm your host, Dr. Lauren Shih, JCO editorial fellow, and I'm joined by JCO Associate Editor Dr. Stephanie Wheeler to discuss the Journal of Clinical Oncology article and abstract presentation "Use of Low-Value Cancer Treatments in Medicare Advantage Versus Traditional Medicare." Let's start with the relevance of the article. Dr. Wheeler, can you explain this to our listeners? Dr. Stephanie Wheeler: Thank you so much. Let's get right into it. So this article is really about understanding different types of Medicare plans and what we should expect to see in terms of their use of low-value treatments for cancer patients. So, as Medicare really is focused on trying to limit the use of low-value cancer treatments, we really need to better understand the drivers of variability. So we know that many cancer patients have multiple treatment options available to them. We also know that the vast majority of older adults beyond age 65 are insured by Medicare, and about half of them are on Medicare Advantage plans, which are serviced by private insurance. And private insurance companies in this case are receiving capitated payments for Medicare beneficiaries to manage their service utilization and reduce costs. So, with respect to Medicare Advantage versus the traditional fee-for-service Medicare, it's not really been known to what extent low-value treatments are differentially used by these types of plans for cancer patients. And so that was really the focus of this article. What the authors found is that across six different types of treatments, in general, the folks who were enrolled in Medicare Advantage plans had reduced use of low-value treatment. So that's a good sign for Medicare beneficiaries. And although the relative difference in that use was somewhat low, this translates to a significant number of Medicare enrollees across the country not receiving these low-value treatments. And of course, this translates to considerable savings at the society level. Dr. Lauren Shih: Are there any additional key results that we should review? Dr. Stephanie Wheeler: Yeah. So I'll tell you just a little bit more about the methods and also their findings. So they looked at six different low-value treatments, and this was in, again, 100% of national Medicare enrollees from 2015 through 2021. So the six low-value treatments that they examined were the use of G-CSFs among patients receiving low-risk chemotherapy and denosumab for those who had castration-sensitive prostate cancer. Then they also looked at four high-cost treatments, including using nab-paclitaxel instead of paclitaxel for patients with breast or lung cancer; second, adding bevacizumab to carboplatin plus paclitaxel for ovarian cancer; third, using brand-name drugs instead of generics when generics were available; and fourth, using biologics instead of biosimilars when biosimilars were available. And these are all, by the way, non-recommended treatments according to a variety of guidelines, including NCCN and ASCO's Choosing Wisely guidelines. So they used the Medicare claims data to examine use of these regimens. They also analyzed results by type of Medicare Advantage plan, whether people were enrolled in a health maintenance organization plan, or an HMO, or a preferred provider organization plan, or a PPO. They also looked at the largest Medicare Advantage insurers—including Aetna, Blue Cross Blue Shield, Cigna, Humana, and UnitedHealth—and limited their analyses to those that had complete encounter data. And what they found across the board is that the enrollees in Medicare Advantage plans generally had lower use of these low-value treatments. And the largest differences between Medicare Advantage and traditional Medicare plans were in the outcomes, including G-CSF use and using denosumab for castration-resistant prostate cancer, and then the combination of bevacizumab, carboplatin, and paclitaxel versus carboplatin and paclitaxel. And all of these had a change in use ranging from about 19% change to 24% change in use. This is significant as a field as we look at ways in which different plan organization can influence use of treatments, particularly given the excess cost of cancer care. This is something we really want to pay attention to. So I'd encourage folks to look more closely at the results by treatment type as well as the results by plan type to see a little bit more about what was going on across different plan types. Dr. Lauren Shih: Great. And are there any outstanding questions that need to be answered? Dr. Stephanie Wheeler: Yes, there always are, of course. I think the study has several strengths that are worth noting. First, they have 100% of Medicare enrollees, so there's national coverage there, which is, you know, quite outstanding. They also use an appropriate choice of analysis to help deal with some of the selection. So they use inverse probability of treatment weights, and they control for practice and county indicators to try to get some realistic adjustment for the selection that happens in terms of how patients are enrolled in different Medicare Advantage versus traditional fee-for-Medicare plans. These statistical approaches are a good idea, but they are limited by the observed variables that we can use for these kinds of adjustments. And so any unobserved—confounding or any unobserved factors that would influence selection in these plans aren't going to be captured well. So preferences, for example, that patients may have about different types of plans when they're insuring themselves and their families may not be captured. Second, the data that are used are only encounter data from those plans with complete records. That may mean that smaller Medicare Advantage insurers or those that don't have as comprehensive records are not included. So this may not be reflective of their practice patterns. And then third, of course, this only looked at six different low-value cancer treatments. It remains to be seen whether this kind of finding extends to other types of low-value cancer treatments, and that's an opportunity for future study. Finally, I would say that we don't exactly know why these patterns exist. It could be that Medicare Advantage plans have different approaches to prior authorization. They could have more in-house quality control and management to really understand, among their population for whom they're receiving Medicare Advantage payments, to really look at care quality and assess Choosing Wisely guidelines. We don't know exactly how that's playing out. And so we need additional data to really figure out what's working here and what are opportunities for future policy and payment innovations that can further reduce low-value care. Dr. Lauren Shih: Great. Thank you so much, Dr. Wheeler, for speaking to us about the JCO article, "Use of Low-Value Cancer Treatments in Medicare Advantage Versus Traditional Medicare." We really appreciate your insights. Dr. Stephanie Wheeler: Thanks for having me. Dr. Lauren Shih: Join us again for the latest simultaneous publications from the ASCO 2025 Annual Meeting. Please take a moment to rate, review, and subscribe to all ASCO podcast shows at asco.org/podcasts. Until then, enjoy the rest of ASCO 2025. The purpose of this podcast is to educate and to inform. This is not a substitute for professional medical care and is not intended for use in the diagnosis or treatment of individual conditions. Guests on this podcast express their own opinions, experience, and conclusions. Guest statements on the podcast do not express the opinions of ASCO. The mention of any product, service, organization, activity, or therapy should not be construed as an ASCO endorsement.

Why I Quit My 9-5 & Built a Property Empire - Rahim Bah's Success Story interview with Abbas Pardhan

Property Investments Blueprint

Play Episode Listen Later May 30, 2025 53:52

In this powerful interview, Abbas Pardhan (Managing Director of 10xRising, £100M+ portfolio) sits down with Rahim Bah—immigrant, ex-care leaver, and self-made property mogul—to Discuss about:- How he went from £0 to a 7-figure property empire (despite homelessness and job rejections)- Why he calls employment "the biggest killer drug" (and how to break free)- The moment he almost quit entrepreneurship (and the 6 deals that changed everything)- University vs. Mentorship: Why traditional education fails entrepreneurs- His first property deal (and how he convinced a skeptical landlord)Why I Quit My 9-5 & Built a Property Empire | Rahim Bah's Success Story interview with Abbas PardhanWhat You'll Learn in this video:How to start property investing with no money (rent-to-rent/HMO secrets)The psychological toll of entrepreneurship (and how to push through)Why most employees stay trapped (even when they hate their jobs)Negotiation tactics to secure deals without cashFollow Abbas Pardhan:Instagram - https://www.instagram.com/abbas_pardhan/?hl=enWebsite - www.10xrising.com

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Nigel Farage Just Won Election? Reform UK Poll Surge –Starmer Slumps

The Jon Gaunt Show

Play Episode Listen Later May 27, 2025 47:37

Nigel Farage Just Won Election? Reform UK Poll Surge –Starmer Slumps Farage #ReformUK #Starmer #UKPolitics

Jämförelse mellan Rent-to-Rent och Purchase Lease Options

Play Episode Listen Later May 26, 2025 22:11

I det här avsnittet dyker vi ner i två populära investeringsstrategier i UK: Rent-to-Rent och Purchase Lease Options (PLO). Du får en tydlig jämförelse mellan strategierna hur de fungerar, vad du tjänar pengar på, och varför det är så viktigt att ha rätt avtal och struktur från början.Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-april-2025Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

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Why I'm Quitting Buy-to-let Property Market

Money Tips Podcast

Play Episode Listen Later May 22, 2025 37:37

The latest episode of the Charles Kelly Money Tips Podcast he explores the truth behind the buy-to-let market and exactly why he is getting out of buy-to-let after 30 years. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121 Brief history of the buy to Let market Watch video - https://youtu.be/Vy6NTf38uR8 My story of finding a rental property before BTL and pre-ASTs - It was worse than now. No council house building since the 1970s and the introduction of right to buyThe BTL model has worked well since the 1990’s.Properties were relatively cheapReturns were good, even with higher mortgage ratesWith higher interest rates so you could just about break-even, but enjoy fast capital growth Now the government thinks the pendulum swung too far in favour of landlords. Tenants are unhappy about high rents and insecurity. But is that the fault of landlords or a symptom of 50 years of short-term thinking government policy?The buy-to-let boom has led to a massive transfer of wealth into property, as well as the banks, and it seems the ‘powers that be’ want to apply the brakes with legislation and taxes, We are now living in a new socialist regime after 30 years of relatively business friendly government, which includes the Blair labour government. My personal experience30 years dealing with tenants - nothing against tenants, I just haven’t got the patience for it anymore!New threats from various BPU’s (business prevention units)Lack of social housing being built for 50 yearsMass immigration from all governments since the Blair years leading to an unprecedented population explosion Swinging from unrestrictive to tighter lendingPlanning hold-ups leading to housing shortageAnti-landlord policy starting with Conservative Chancellor George Osbourne and his Section 24 landlord taxRenters rights bill, which was born out of a conservative policyEnd of section 21 no fault of evictions and a ban on so-called “back door” evictionsOpen end of tenancies – how is that going to work in practice?New minimum housing standards and more red tape - many councils and large housing associations would fail these standards but only private landlords will be hitBan on Advanced rent payments, often used where tenants fail referencing or are from overseas. Even more rights for tenants Less security for property ownersBan “discrimination” Right to request adaptation of Properties in the case of disabilitiesRestrictions on rent increasesRent repayment ordersMore powers for local councils to sanction landlordsNew digital Landlord database, but no rouge tenant database County court backlogs, meaning that enforced evictions will take up to a year Renters rights was mentioned in parliament recently during PM’s questions after a labour MP raised the point that tenants were being priced out by landlords. Prime Minister Sir Keir Starmer said that his new renter’s rights bill will help 11 million tenants. He said they will end no fault of action something which the Conservatives had failed to do. . Landlords could be obliged to take pets and tenants on benefits Over the past year, only 6.6% of room-offered ads on SpareRoom explicitly welcomed pets, while a striking 93.4% did not. One third of people in the UK have pets and 29% own a cat. On a Spare room survey 93% of landlords display that they are unwilling to accept pets, this will be banned under the future law. If a tenant wants to keep a pet at home, landlords will not be able to unreasonably withhold their consent. If a tenant feels you’ve made an unfair decision they can challenge it by taking their complaint to the Private Rented Sector Ombudsman or even to court. Falling returns Soaring house prices means it’s difficult to get a positive yield on straightforward buy-to-let propertyLandlords have turned to HMO strategies, but local authorities are introducing more article 4 areas.The yields on properties in London and the Southeast have been driven down by high prices. Landlords are increasingly buying in the Midlands and the north of England, but who wants to drive 300 miles to find and manage property? Many have adapted and move into furnished Holiday lettings in order to avoid section 24 and the end of section 21 notices, but now the BPU are heading them off at the pass! Tax changes abolishing the advantages of furnished holiday Lettings , brought in by Jeremy “Hunt” the left leaning former Chancellor under the last ‘high tax’ conservative government. I know some landlord I’ve spoken to are happy to stay in the market and feel that they can adapt to the new laws. That’s fine there’s still a profit (sorry if that’s a dirty word, but without profit there is no service) to be made and in a long-term it’s still a good investment, but not for me and thousands of other landlords anymore. As the TV Dragons say, I’m out! Am I quitting property altogether? No! Property is still a good long-term investment and will survive the idiots that run the country downwards because the markets and demand will prevail. Despite warnings of our demise, the UK will also survive the fools in power. See other videos: Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’ - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s&sttick=0 Nigel Farage SLAMS HMO BUY-to-Let Landlords In an astonishing attack on private enterprise, right wing Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense. Watch video - https://youtu.be/NKaPZj-APgw Better property strategies are needed. Learn property strategies from experts There are many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property. For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net #NigelFarage #HMOScandal #UKHousingCrisis #IllegalImmigrationUK #AsylumSeekersUK #HMOUK #PropertyInvesting #LandlordLife #UKPolitics #MoneyTips

295 - From On The Tools To On My Terms

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Play Episode Listen Later May 15, 2025 34:53

Welcome to another episode of The Blueprint Podcast. In this episode, we're welcoming Katie Harvey into the Property Entrepreneur Hall of Fame! From working 12-hour shifts as an electrician to becoming a successful Property Entrepreneur and co-director of Haines Homes, Katie's journey is one of transformation, resilience, and vision. Alongside her brother Josh and cousin Jacob, Katie started building a rent-to-rent HMO portfolio while still an apprentice—juggling long hours, low pay, and the constant grind of chasing invoices and managing projects. Like many entrepreneurs starting out, the business consumed their lives, leaving little time for family, hobbies, or rest. Everything changed when Katie joined the Property Entrepreneur Programme. With clear direction, expert mentorship, and the support of a like-minded community, she and her family were able to turn their business around. Katie got "off the tools", launched her passion project Breathe Blueprint, and began focusing on high-value work that delivered both profit and personal freedom. One of her most impressive achievements to date? Converting a 3-bed house into an 8-bed co-living space—projected to generate over £67,000 in profit. Through strategic planning, financial forecasting, and learning to treat family like business partners, Katie has not only built a thriving business, but reclaimed her time, her energy, and her life. Her story is a shining example of how building a Life by Design is not only possible—but powerful. Katie's top tips include: Create a clear plan—and review it regularly Surround yourself with the right people Celebrate the small wins And most importantly—enjoy the journey We hope you enjoy this episode and are inspired by Katie's journey of courage, clarity, and creating success on her own terms. Success and failure are both very predictable. Company Name: b.reathe / Haines Homes Company website: www.breatheblueprint.com / www.haineshomes.co.uk

Olika sätt att öka värdet

Play Episode Listen Later May 12, 2025 28:40

I detta avsnittet pratar vi om olika sätt att öka värdet och maximera utnyttjandet av en fastighet.Vi går även in lite på skillnader mellan små och större projekt.Nätverksträff 15 maj i Stockholm - Anmäl dig här!Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-april-2025Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

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Farage Slams HMOs: "Blaming Landlord for Housing Illegal Migrants and Wrecking Communities"

Money Tips Podcast

Play Episode Listen Later May 8, 2025 23:29

Nigel Farage has once again ignited controversy, this time turning his sights on the UK’s House in Multiple Occupation (HMO) sector. Speaking out this week at a Reform press conference in Dover, Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense. Watch video - https://youtu.be/NKaPZj-APgw Farage, who could become the next UK Prime Minister according to the polls and recent local election results, argued that the rapid growth of HMOs—particularly in urban areas—is "a symptom of a failed immigration and housing policy." He criticised how private landlords and government contracts are turning residential streets into overcrowded multi-let properties, undermining local cohesion and public services. While HMOs can be a profitable property strategy, especially for landlords seeking higher yields, they’ve become controversial. Local residents often complain about noise, rubbish, overcrowding, parking and falling property values. Councils have responded with Article 4 directions and tougher licensing schemes. Is this another nail in the coffin for buy-to-let property investment, and further reasons for landlords to get out of the UK property market? In recent years, landlords have had to contend with: Section 24 landlord tax – watch accountant explain tax and solutions - https://youtu.be/aMuGs_ek17s Increased tax and Increased red tape and regulation. Now, landlords are facing Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’. See full episode - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s The latest episode of the Charles Kelly Money Tips Podcast explores the truth behind these claims, what it means for property investors, and the future of HMO investments in the UK. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121 In the next Charles Kelly Money Tips Podcast episode, I will tell you why I’m getting out of buy-to-let property after 30 years! There are many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property. For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net #NigelFarage #HMOScandal #UKHousingCrisis #IllegalImmigrationUK #AsylumSeekersUK #HMOUK #PropertyInvesting #LandlordLife #UKPolitics #MoneyTips This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Episode #548: Inside Solo Health Collective-Making Healthcare Accessible for Independent Business Owners

HALO Talks

Play Episode Listen Later May 6, 2025 32:02 Transcription Available

Welcome to HALO Talks! In this episode, host Pete Moore sits down with Tom Morrissey, founder of Solo Health Collective and a seasoned veteran in the health insurance world, to unpack the complex—and often misunderstood—landscape of healthcare for self-employed professionals. With a career spanning decades at Cigna and deep experience serving everyone from major corporations to solo entrepreneurs, Tom shares how he's dedicated his life to helping small business owners and solopreneurs access quality, affordable health coverage. Despite his success in the large-account space, Tom noticed an unmet need: Small and mid-sized businesses were often overlooked by health insurers and weren't given access to innovative cost-saving or health improvement solutions that benefited the bigger corporations. If you're a personal trainer, group ex instructor, wellness coach, massage therapist, or any professional running your own business, this conversation is a game changer. Tom explains the differences between HMO and PPO plans, why traditional ACA ("Affordable Care Act") options can fall short for the self-employed, and how his company's unique group plan model is designed to deliver robust coverage (including preventive care and nationwide access) with transparent pricing and minimal out-of-pocket surprises. Plus, hear about partnerships with organizations like the Freelancers Union, and learn how innovative features like HSAs can work for you—even covering perks like fitness classes. On the healthcare issues facing entrepreneurs, Morrissey states, "We saw the growth. It depends on who you listen to, but estimates are that there'll be 90M solo business, owners by 2028. I want to say there's about 60M now. The guys and gals that own these businesses . . . I think, especially when they're young and healthy, are the ones that get screwed the most in healthcare. You know? All they really have access to is ACA plans." Key themes discussed Challenges of health insurance for solopreneurs and self-employed. Differences between PPO and HMO health plans. Underwriting and rate-setting for solo business owners. Preventive care coverage and HSA/HSA usage changes. Brand trust versus new insurance providers like Solo Health Collective. Partnerships with organizations such as Freelancers Union. Long-term cost sustainability for healthier insurance collectives. A few key takeaways: 1. Solo Health Plans Are Filling a Major Gap: Morrissey explains how traditional health insurance often overlooks solopreneurs and small business owners, especially in the HALO space. His company, Healthy Business Group via Solo Health Collective, is designed specifically to provide comprehensive PPO health plans to solo business owners—offering an alternative with more flexibility and better coverage than typical limited-network ACA and HMO options. 2. Key Plan Advantages-PPO Access and Maximum Out-of-Pocket Clarity: Unlike many ACA or HMO plans that limit provider networks and access, Solo Health Collective offers nationwide PPO plans, granting members broader access to healthcare providers. They also have a straightforward approach: After the deductible is met, there's no coinsurance—meaning your deductible is the absolute maximum you'll pay out-of-pocket for covered expenses (with all preventative care covered in full and not applied to the deductible). 3. Plans Are Designed for Solo Business Owners With Medical Underwriting: To qualify, you must have an EIN (Employer Identification Number) and be a business owner without employees. Members go through a quick, five-question medical underwriting process, which allows the plan to provide tailored age, and location-based rates—often significantly less expensive than standard individual policies, especially for young, healthy professionals. 4. HSAs and Innovative Usage for Wellness Are Embraced: The plan supports health savings accounts (HSAs), and Tom shared how, thanks to evolving IRS guidelines and technology, people can now use HSA funds for things like fitness classes and certain wellness purchases, expanding the value of pre-tax health dollars and encouraging preventive care and healthy lifestyles. 5. Long-Term Value and Stability Solo Health Collective is built on a self-insured, level-funded model supported by robust reinsurance (Odyssey A+ rated.) This allows the collective to stabilize costs and potentially keep renewal increases lower than the industry average—especially as it pools healthier, proactive members like those in the wellness and fitness industries. The long-term goal is to create a sustainable, affordable health insurance solution specifically for entrepreneurs who have historically been underserved. Resources: Thomas Morrissey: https://www.linkedin.com/in/tommorrisseyhbg Solo Health Collective: https://hbgsolo.com How It Works: https://hbgsolo.com/how-it-works Freelancers Union: https://freelancersunion.org/insurance/health Promotion Vault: http://www.promotionvault.com HigherDose: http://www.higherdose.com

Podcast: Homeowners shocked as six-bedroom HMO in Rock Road in Sittingbourne approved without consultation

KentOnline

Play Episode Listen Later May 6, 2025 23:08

A homeowner has issued a stark warning after he says his life was “destroyed completely” by having an HMO next door.The resident in Sittingbourne was stunned to wake up and find scaffolding and the roof missing on the adjoining property in the terraced street.Also in today's podcast, a mum has branded Medway council “clueless” after it wrongly refused her 17-year-old daughter a parking permit — and then asked for hers back as well.She'd applied on behalf of the learner driver for an additional pass to park outside the family's terraced home in Gillingham but the authority insisted they aren't living within a controlled parking zone. People living at an retirement complex fear “every day will become a nightmare” if a live music venue opens directly opposite.Those living in Folkestone town centre say the prospect of late-night music and “people drinking on the street” is making them “incredibly anxious”.Plans have resurfaced to convert a pub into a place of worship - just six months after they were refused.Charity Al-Haqq Academy initially wanted to transform the ground floor of the now-closed public house into an academy with community and religious services, including a prayer hall, a food bank, a youth club, and a mosque.And there's been plenty of football action across the long weekend – with Gillingham FC, Maidstone United and Dover Athletic all having reason to celebrate. We've spoken to their managers about unbeaten streaks, league finals and promotion.

292 - Asset Building: 3 Deals, £500k+ Equity, £100k+pa Cashflow

Play Episode Listen Later May 1, 2025 34:12

We welcome back Tom Appleton, Property Entrepreneur Board Member who featured on TBP Episode 188 on 1st December 2023. Tom is based in Leeds and he shares his background of moving to L.A. to play football, why he moved into coaching and how he first got interested in property investing. Tom joined Property Entrepreneur in 2019 and met one of his business partners that year, Garrett Peers, who is now also a Board Member. Tom focuses on good quality HMOs and apartment blocks in the Leeds and Wakefield area. On Property Entrepreneur, we cover the 3 levels of Wealth Creation and these 3 deals are all great assets for The Financial Fortress. Here are the numbers for these 3 deals: 2 high end apartments and ground floor commercial Purchase price: £360,000 Refurb and costs £250,000 End valuation £1,000,000 Equity: £350,000 Lease rents: £6900 pm Cashflow: £3500 pm / £42,000 pa 7 to 8 bed HMO conversion Purchase Price £405,000 Refurb £60,000 End value: £600,000 Equity: £120,000 Rents: £5250 pm Cashflow: £3000 pm / £36,000 pa 4 to 6 bed HMO conversion Purchase price £270,000 Refurb £90,000 End value: £500,000 Equity: £120,000 Rents: £4500 pm / £54,000 pa Cashflow: £2500 pm / £30,000 pa Want to contact Mark or his guests? www.thepropertybrokerage.co.uk mark@thepropertybrokerage.co.uk Tom Appleton info@tenequity.com Instagram- @tomappleton10 Facebook- Tom Appleton LinkedIn- Tom Appleton

Tips att tänka på vid inredning av HMO

Play Episode Listen Later Apr 29, 2025 33:29

I det här avsnittet delar vi med oss av våra bästa tips kring inredning av HMO – från hur du bör tänka vid finansiering till praktiska råd kring möblering och design. Ett avsnitt fullt av värdefulla insikter!Nätverksträff 15 maj i Stockholm - Anmäl dig här!Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-mars-2025Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

uk acast ett calendly storbritannien kolla hmo inredning

How to Make Your Property Portfolio Work Harder with LHA Strategies

WealthTalk

Play Episode Listen Later Apr 16, 2025 55:12

In this episode of WealthTalk, we're joined by Raj Beri, a former scientist turned full-time property investor, who reveals how he built a successful portfolio using innovative strategies—including the Local Housing Allowance (LHA) model) to maximise rental income. With hosts Christian Rodwell and Kevin Whelan, Raj unpacks the complexities of navigating housing benefit tenants, government regulations, and tenant relationships, while debunking common myths that deter many investors from exploring this path.Raj shares the ups and downs of leaving behind a stable career, the importance of having a financial safety net, and how mentorship and community support have been key pillars in his property journey. He speaks candidly about the challenges of tenant management, the need for adaptability in an ever-changing market, and how leveraging his corporate skills helped him become a more effective landlord and investor.The episode also highlights Raj's belief that anyone can succeed in property with the right mindset, education, and support. Whether you're just getting started or looking to expand your strategy, this conversation offers practical insights into achieving long-term wealth through property.This episode is essential listening for aspiring and experienced property investors alike—especially those curious about high-cashflow models, buy-to-let, HMOs, and building resilience in the face of regulatory change.Tune in now to learn how Raj Beri transformed his life through property investment—and how you can too.Resources Mentioned In This Episode: >> Raj Beri [LinkedIn]>> Raj Beri [Website]>> Brand New! Wheel of WealthNext Steps On Your Wealth Building Journey: >> Join the WealthBuilders Facebook Community >> Schedule a 1:1 call with one of our team >> Become a member of WealthBuilders  If you have been enjoying listening to WealthTalk - Please Leave Us A Review! 

Q1 & Uk resa 2025

Medicare For The Lazy Man Podcast

Play Episode Listen Later Apr 15, 2025 44:24

I det här avsnittet summerar vi vad som hänt under Q1 både privat och i företaget. Vi delar också med oss av vår senaste resa till Storbritannien för två veckor sedan, med insikter, reflektioner och uppdateringar från marken. Häng med!Vill du följa våra renoveringar ?https://chat.whatsapp.com/LJXM6Fx3qC67WeN2zqr63hVill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://mailchi.mp/miraclepropertiesltd/senaste-nyheterna-mars-2025Tack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

uk acast calendly resa storbritannien kolla hmo

Ep.+793 - Relax Texans! SWHR and BC/BS of Texas are together again!

Play Episode Listen Later Apr 14, 2025 32:55

The Medicare Advantage Minute points out more trouble for Medicare Advantage plans. Hospitals have seen increasingly aggressive denials of payments with every expectation of more denial pressure to come! In Your Medicare Benefits 2024 we learn how Medicare covers doctor services. No secret, their fees are Part B expenses. Finally, we hear from Linda, wife of a happy MLM Medicare supplement client. Two years away from Medicare age herself, she is concerned because her favorite hospital and long-time doctor have been deemed "out of network" due to a merger or an acquisition. Turns out she has a PPO plan, not an HMO. Even though these providers are "out-of-network" they are not out-of-bounds to Linda. For a somewhat less robust insurance coverage she will still be able to use them at will. Two years from now, with original Medicare plus a supplement, her network concerns should be a thing of the past. I am looking forward to helping Linda join her husband as another happy client! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A++) Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

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Podcast: Fears horror stories of A&E wait times are keeping sick people away from Kent's hospitals

KentOnline

Play Episode Listen Later Apr 14, 2025 19:54

There are fears horror stories from the county's A&E departments have left many patients afraid to seek urgent hospital treatment.Reports of sick people stranded for hours on trolleys in crowded corridors are having a knock-on effect on local surgeries.Also in today podcast, a drink driver was warned she could be facing jail after admitting to getting behind the wheel while over the legal limit for at least the third time.She was spotted by police at the wheel of her car in Maidstone in February “driving at excess speed” and going in a bus lane.Dozens of Evri couriers are being chased by debt collectors after their depot decided to install private parking cameras.Early time slot drivers at the depot in Strood were told ANPR cameras were going live in November to stop unauthorised parking – but more than 20 have received penalty notices. Ambitious plans for a new four-storey HMO building in the rear yard of an existing property in Maidstone town centre have been submitted.Housing bosses want to build a 10-bed house of multiple occupation in Week Street despite concerns over a lack of vehicle access. And in football, it was a big weekend for the Gillingham boss after he notched up his first win since joining the club. You can hear from Gareth Ainsworth and goal scorer Bradley Dack following their 1 – nil win over MK Dons at the weekend.

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Podcast: Two men go on trial accused of murdering Samare Gerezgihir in Canterbury city centre

KentOnline

Play Episode Listen Later Apr 8, 2025 21:14

Two men have gone on trial accused of murder after another man was stabbed through the heart during an attack in Canterbury.23 year-old Samare Gerezgihir - who was also known as Sammy or Jamyl - died at the scene in a courtyard near the former Nasons department store in the city centre in October last year.People living in two Kent villages fear they could be left without high-speed wifi after a provider announced plans to pull out of the area.Trooli's confirmed a small number of customers on a copper network in Stansted and part of Fairseat will be affected.A Kent dad who's raised tens of thousands of pounds for charity after being diagnosed with terminal prostate cancer has won a top award.Paul Dennington has taken part in various challenges, and was recognised at the Pride in Medway event.His latest campaign will see him walk 25 million steps on a month-long journey from Newcastle to Medway.Kent property developers have been talking to the Podcast about how they're setting out to "level up" the shared accommodation game.Aaron Prowse and Ellis O'Sullivan currently have nine HMOs in Medway and Gravesend - and are in the process of buying another four, with two more in construction.A Kent chocolate company has created the UK's biggest and heaviest Easter Egg.It's seven feet tall and weighs 300 kilograms - which is the same as a polar bear.And in sport, Gillingham are on the road again as they take on Chesterfield tonight.It's a quick turnaround for the Gills who secured a point at Salford City on Saturday with a 2-2 draw.

Next Please: Thinking Out Loud w/Friends ZoomCast Show 252

Jan Landy: Thinking Outloud

Play Episode Listen Later Apr 4, 2025 63:39

SOUNDBROKER PRESENTS: Thinking Out Loud w/Friends ZoomCastAN OPEN CONVERSATION WITH FRIENDS THAT LOVE THE WORLD OF CONCERT AND SPECIAL EVENT PRODUCTIONSJoin our current events support zoomcast show hosted by Jan Landy and his knowledgeable affable panel of friends and colleagues for an entertaining robust discussion offering opinions on anything related to a working professional life in general.Our ZoomCast isn't just a fountain of knowledge; it's also a opportunity to laugh. Think of it as therapy, but with more jokes and fewer couches. Join us and share your thoughts. Stay updated on life and world events, and enjoy multiple good chuckles along the way.

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Healthcare's Eras Tour | NEA Co-CEO Mohamad Makhzoumi

The Heart of Healthcare with Halle Tecco

Play Episode Listen Later Mar 31, 2025 33:18

Venture capital in healthcare has evolved from "the trailer park of venture investing" to a fundamental core tenant of the ecosystem, reflecting a quarter-century transformation of the entire industry.In this episode, we sit down with Mohamad Makhzoumi, co-CEO of NEA, who shares his 25-year journey from unpaid intern to leader of one of the largest healthcare investment funds, offering his insights into the evolution of healthcare startups and VC.We cover:

Kenneth - Investera i Spanien