Podcasts about hmos

The long-debated Renters' Rights Bill has finally become law in the UK, marking one of the most significant shake-ups in the private rental sector for decades. The new Renters Rights Act 2025, which received the Royal Assent on 27 October 2025, gives tenants stronger protections, abolishes Section 21 ‘no-fault' evictions, and introduces stricter rules on property standards and rent increases.  Local authorities will have new powers to demand documentary evidence of compliance and enter a landlords rented residential accommodation (without a warrant in some cases) within two months of the new Act say the NRLA.  Watch full video - https://youtu.be/L6j4EXV1_Cs Other new rules coming in because of the Act include:  Introduction of 15 new offences that can see landlords issued with civil penalties.  Increase in the maximum civil penalty fine that can be imposed of up to £40,000.  Six new offences that can result in landlords facing a rent repayment order.  Increase in the maximum claim period for such orders, with tenants now able to claim back up to two years of rent payments for breaches.  Key Implementation Dates: Investigatory rights for local authorities  From 27th December 2025  Part 1 – changes include, end of fixed terms and Section 21, new possession grounds From 1st May 2026 PRS Database and Ombudsman Late 2026 estimated Decent Homes Standard Date to be confirmed Here are 5 things landlords can do to survive the Renters Rights Act: Review Your Tenant Agreements – Ensure all tenancy contracts comply with the new legal framework. Outdated clauses could make you non-compliant and exposed to penalties. Focus on Quality Tenants – With longer tenancies likely, good tenant relationships are vital. Screen tenants carefully and maintain communication. Incorporate Your Property Business – Many landlords are now using limited companies for tax efficiency, expense flexibility, and better mortgage options. Diversify Your Portfolio – Consider shifting into HMOs, serviced accommodation, leasing to a company or local authority or commercial units for stronger returns and lower regulatory impact. Seek Professional Advice – For instance by joining the NRLA. Stay informed. Property tax planning and compliance advice can save thousands each year under the new regime. Is the buy-to-let rental property sector dead? Wounded by successive ‘landlord bashing' governments, but NOT dead! The Renters Rights Act may be challenging, but proactive, informed landlords can still prosper by adjusting early and managing smarter. Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s See also: Brace Yourself: 5 Tax Hikes Coming in the UK Budget 2025 These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Watch full video - https://youtu.be/jITL4nOmBEo If you are stuck in the Section 24 trap and need professional advice, email Charles@CharlesKelly.net #RentersRightsBill #RentersReformAct #UKLandlords #BuyToLet #PropertyInvesting #LandlordTips #PropertyTax #Section21 #UKHousingMarket #CharlesKellyPodcast #MoneyTips #rentersrightsact2025

Send us a textThe hosts are dissecting a lot in this week's episode - here's a breakdown of what they discussed:- PBSA vs HMOs is the gap going to get wider?- Are we losing the affordable end of the market?- Is the timing of the marketing to students going to shift?- Do we need to get more political as a shared living sector?- Is this the year of the rebooker?- Why is price setting such a fight?Stay up to date on Housed podcast via its LinkedIn page.Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI Good Management.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating Marketing in Property.Thank you to our season four sponsors:MyStudentHalls - Find your ideal student accommodation across the UK.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.

Key Topics Covered:1. From Furlough to Property FreedomHow COVID and furlough ended Athena's high‑performing travel career overnight.Using that pause to ask, “Is this the life I want for the next 5–10 years?”Buying her first flat in Bournemouth, getting the numbers wrong, and why she still calls it her “baby” and best teacher.2. Rent‑to‑Rent, Burnout and Pivoting StrategyMoving into rent‑to‑rent HMOs and serviced accommodation to generate cashflow.The reality of late‑night calls, guest issues and stress – including the Sunday night window incident.Handing back all rent‑to‑rent properties and feeling as free returning the keys as when she first got them.Pivoting to simpler, long‑term strategies: buy‑to‑lets and buy–refurbish–refinance, with flips and land development as future options.3. Building Girls in Property: Community, Recurring Income and SupportWalking into a networking room of 45 people with only three women and thinking, “That's a shame.”Finding no UK‑based female property networks or podcasts, then launching Girls in Property in 2023.Growing from a passion project that made no money for over a year into:A sponsored weekly podcast.A £30/month online membership (two live calls a month: “prosperity” and property strategy).A national community hosted on Circle, plus summer/winter parties and an annual training event.How Girls in Property now replaces and exceeds her old salary as a recurring revenue stream.4. Education, Strategy Choice and Market Opportunities“Don't rush to buy a course”: only invest if you can implement from day one.Use free education first (podcasts, YouTube, books) and do due diligence on paid training.Choosing strategy based on four resources: knowledge, money, time, energy – plus personality and end goal.Example of a mentee who came for rent‑to‑rent but was better suited to partnering with an investor on flips.Why today's market, with older landlords exiting, offers opportunities if you talk to people and build relationships with agents.5. Health, Wealth and Your Own Version of SuccessAthena's view of financial freedom as choice – the ability to respond to life, travel and allocate time where it matters.Burning out twice and realising “health is wealth” – long‑term wealth is pointless if you destroy yourself getting there.Her guiding question: “What does your version of success look like – and who's standing next to you on that hill?”Current focus: simplifying businesses, building cashflow and wealth, and aiming to be retired by 50 with businesses that don't rely on her daily presence.Actionable Takeaways:Assess your knowledge, money, time and energy before choosing a strategy.Use free education first; only buy courses you're ready to implement immediately.Document your journey from day one to build trust with future investors and partners.Avoid shiny penny syndrome – simplify down to strategies that fit you and your goals.Protect your health and pace yourself; wealth building is a long‑term game.Resources & Next Steps:Girls in Property Community & MembershipGirls in Property PodcastWealthBuilders Membership: Free access to guides, webinars, and communityConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

In today's episode, I sit down with Hayley Andrews, the award-winning investor, “dragon” on Sky TV's Property Elevator, and the force behind Hard Hats to Heels and the Women in Property Awards, to unpack how she's built a diverse, multi-strategy portfolio over two decades, from vanilla buy-to-lets and HMOs through to hotels, listed buildings and complex commercial schemes.Hayley shares the real story behind her growth: starting out on a council estate, using property as a pension, then scaling into bigger and more complex projects by buying well, managing risk ruthlessly and building serious relationships with councils, heritage bodies and regeneration boards. We dig into her transformation of a derelict museum into “Fun City”, a new entertainment quarter that's now set to roll out across market towns in the UK.If you're serious about playing the long game in property - building wealth, not just collecting units and you want a candid look at what it really takes to operate at the top level, this is an episode you don't want to miss.

In this episode, Nick and Steven sit down with Scott McFarlane, property investor, serviced accommodation specialist, and founder of Retrofit Properties. Scott opens up about his journey from a difficult childhood to military service, railway engineering, a life-changing accident, and eventually scaling a thriving SA management company and a growing property portfolio.

Send us a textMost rent-to-rent failures start before the contract is signed—by chasing the wrong type of property with the wrong plan. We pull back the curtain on how to find cash flow quickly without sinking money into someone else's asset, and why converting buy-to-lets into HMOs is a fast road to delays, compliance headaches, and long paybacks. Instead, we map out a smarter path: target ready, licensed HMOs and pre-existing serviced accommodation units where your operational edge—not a heavy refurb—creates the margin.We dig into the practical rules that protect your downside: a six-month maximum payback target, strict quality filters, and area due diligence that matches tenant or guest profiles to the streets you're actually renting. You'll hear a candid case study of a great house in the wrong area, how we repositioned it by marketing to local factory teams, why a break clause saved the upside, and what made us exit on friendly terms. We get specific about SA: when furniture spend makes sense, how to inherit setups from burned-out owners, and the exact levers—listings, photos, pricing, and ads—that turn underperforming calendars into steady bookings.If you've been told to “add value” with refurb, we'll show you a better lever: time-to-cash. Modern HMOs demand higher standards; dated four-bed layouts with repurposed lounges won't cut it. With a few clear underwriting rules, a consistent follow-up pipeline, and the right stock, rent-to-rent becomes a lean, resilient cash-flow engine. Subscribe for more step-by-step strategies on HMOs, serviced accommodation, and winning deals without gambling your upfront capital. If this helped, share it with a friend and leave a quick review to tell us your biggest rent-to-rent hurdle.VALUABLE RESOURCES: Let me help you build your property business, Check out how I can support your investing now. Visit https://www.thepropertyunleashed.com/home My Property Investing Community called Property Education To Action, This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com You can learn and take action on your property goals for just £1 Visit www.educationtoaction.com to explore free Property Ebooks and guides in Rent-to-Rent, Serviced Accommodation, Deal Sourcing, PLOs and more and also our FREE training masterclasses to help you generating a sustainable income through property. https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzge...

#243Our WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupThis episode is much more than a tale of two HMOs next door to each other just a few of minutes walk away from a large hospital in Wakefield.It features experienced UK property investor Tom Appleton of Cali Living / Ten EquityNo. 48 is a high end 12 - bed HMO targeting doctors at the hospital.It's been up and running with practically no voids since early 2023.So when the chance to buy No. 50 came up, Tom didn't think twice.He's now considering leasing his latest purchase to a provider of accommodation to newly arrived nurses from the Philippines.But there is so much more to the episode than that.We discuss:·       The value of Certificates of Lawful Use for HMOs and the detective work required to gather evidence for them, including statutory declarations and historical documentation.·       Transforming problematic properties through relationship-building with previous agents, local councils, and key stakeholders.·       The benefits and challenges of investing in high-end HMOs near major employers, like hospitals, and attracting professional tenants such as doctors and nurses.·       Strategies for managing tenant churn, maintaining occupancy, and ensuring steady cash flow in large HMOs.·       Exploring alternative strategies for property portfolio management: long-term leases to providers for supported living and service accommodation.·       Role of local councils in connecting investors with accommodation providers.·       Due diligence when leasing to providers: tips on vetting reliability, experience, maintenance & tenant profiles.·       Portfolio long-term planning, including keeping properties maintained and knowing when to pivot from professional HMOs to accommodation for social or supported housing.·       The importance of people and networking in property investing—from building trust with agents to nurturing council contacts, and why “who you know” is as vital as “what you know”.KeywordsUK property investment podcast, Expat property investing UK, HMOs in UK property, Certificates of lawful use property UK, UK property portfolio building, Statutory declaration property evidence UK, Remote property investing UK, Social housing providers UK property, Supported living property investment UK, High end HMO case study UK, Council relationships UK property, Wakefield property investment, Leeds property investing tips, Long term property strategy UK, Passive income property UK, Commercial lease property UK, Due diligence property providers UK, Article 4 property area UK, Doctors and nurses HMO tenants UK, UK property renovation tips, Social housing lease agreements UK, Podcast for expat property investors, Building rapport in UK property, UK property law and planning, Certificate of lawfulness application UK

Key Topics Covered:1. Mike's Journey: From Corporate to Property FreedomWhy Mike left a successful retail career for more control and family time.How a nudge from Kevin Whelan led to financial independence through HMOs.Building a business and legacy with his wife Claire and daughter Katie.2. Why Property Still MattersProperty as a long-term investment: realistic 8–10% cash returns plus asset growth.HMOs outperform single buy-to-lets for cashflow and resilience in changing markets.The maturing HMO market: easier entry with ready-made properties and new marketplaces.3. Taking the Leap: Advice for Aspiring HMO InvestorsDefine your financial and lifestyle goals before choosing the HMO route.Research HMO models (young professionals, students, etc.) and build your local power team.Action is key—most successful investors wish they'd started sooner.4. Building HMO X: An Ecosystem for HMO SuccessHMO X supports investors at every stage: learning, buying, operating, scaling, and exiting.Bronze and Silver subscriptions tailored to experience levels with access to expert support, estate agency, and the UK's first HMO auction house.Community, mentoring, compliance guidance, and a world-class power team.5. Compliance, Regulation, and Business MindsetNavigating new regulations like the Renters' Rights Act and staying systemised.Why running property as a business maximises profits and protects tenants.Leveraging your professional background for property success.6. Wealth Building, Legacy & DiversificationUsing a SSAS pension to diversify and strengthen family wealth.The importance of holistic planning: recurring income, multiple pillars, and protection (wills, powers of attorney, insurance).Knowledge transfer—teaching the next generation to build and protect wealth.7. Overcoming Barriers & The Power of CommunityThe value of support networks, mentorship, and learning from those who've “been there.”Why community and accountability increase your odds of success.Real-life case studies and five-star reviews as social proof.8. Practical Tips & Offers for ListenersHMO X offers a 10% discount on annual subscriptions for WealthBuilders members.Free initial chat for anyone exploring HMOs as a new pillar, mention you're a WealthBuilder.Leverage frameworks, community, and expert support to accelerate your journey. Actionable Takeaways:Think Long-Term: Property success comes from time in the market, not timing the market.Be Patient: Real wealth builds over 10, 15, even 20 years of holding strong assets.Aim for Steady Returns: Expect around 8–10% cash return on day one, with capital growth compounding over time.Hold for Growth: Retaining your property allows its value to appreciate significantly.Avoid Shortcuts: This isn't a quick-win strategy—discipline and strategy drive lasting success.Stay Strategic: Plan your portfolio carefully and review it regularly to stay aligned with your goals. Resources & Next Steps:HMO X - HMO Expertise all in one placePlatinum Property Partners - Build your own successful and profitable property businessWealthBuilders Membership: Free access to guides, webinars, and communityConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Ready to grow your property business without the hype? Start your free two-month membership trial with This Property Life today! https://bit.ly/this-propertylife-memebership——————————————————————In this episode of This Property Life, host Sarah Blaney looks into the world of Houses in Multiple Occupation (HMOs) with seasoned investor Henry Davis. With over 30 years of experience, Henry shares the practical lessons he's learned from building and managing both small and large-scale HMOs. What You'll Learn:Why soundproofing and room design are critical for tenant retention in HMOsHow to future-proof your properties to stay compliant with changing regulationsThe financial and legal advantages of going back to brick when developing HMOsSmart sourcing and furnishing strategies that balance quality with costHow to choose properties that are more likely to gain planning permission, even in Article 4 areasTimestamps[03:45] - Why Henry chose HMOs for better cash flow[05:13] - Design pitfalls and why most HMOs fail at tenant retention[11:26] - Choosing your tenant avatar: professionals vs. students[20:33] - Furniture, fittings, and clever layout tips for durability[26:16] - How to create inviting, robust communal areas[36:32] - Scaling up: large HMOs, planning permission, and property selection[38:16] - Data-driven investing and mastering local planning policy[42:51] - Budgeting, working with QSs, and paying builders wisely[55:03] - Final advice, practical tips, and where to find Henry's resourcesThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Henry Davis Socials:LinkedIn: https://www.linkedin.com/in/henrydavisproperty/Website: https://henrydavisproperty.com/Instagram: https://www.instagram.com/henrydavisproperty/Facebook: https://www.facebook.com/HenryDavisPropertyFollow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

Perth's market is still running hot — ultra‑low vacancies, record‑fast sales, and construction that can't keep up. In this solo update, Neil breaks down the national and WA picture, explains why the old "buy and wait" playbook stalls your borrowing capacity, and lays out a cashflow‑first strategy with infill new builds and HMOs. If you're priced out of established stock or stuck at the bank's DTI ceiling, this episode shows a smarter path that matches today's renter demand. As discussed in the episode: Australia's population ended 2024 at ~27.4M (+445k, ~1.7%). National vacancy ~0.8%; Perth/Adelaide pockets near 0.4%. Projected national housing shortfall ~400k by 2029. WA population +70k in 2024; Perth listings down ~42% YoY. ~900 weekly sales; ~2,869 listings (≈33% of stock turns weekly). 2024 completions ~20k; 24/25 ~22.6k vs 26–30k needed. Big idea: build what tenants actually rent (singles/couples = 70–80% of market). Cashflow pays the bills; growth is the bonus. Shout‑out: Massive thanks to Neil's wife for guest‑hosting while he was travelling and… winning boxing matches.  

In search of the next miracle “cure,” Big Pharma has become very proficient at developing highly effective and obscenely profitable drugs aimed at treating rare diseases (think $750,000 per year) at the expense of ignoring newer, safer and effective treatments geared to a wider audience.Alex Martinez, CEO and cofounder of Intrinsic Medicine, shares his amazing journey from being a healthcare attorney who witnessed the good, bad and mostly ugly in Big Pharma to revolutionizing how we care for the human microbiome this week on Spirit Gym. Learn more about Alex's Intrinsic Medicine company at his website. Find him on social media via LinkedIn.Show Notes8:47 “The mission was attractive to me.”12:27 Alex got the education he needed while ground-truthing at the same time.20:50 Why is Big Pharma's disproportionate focus on drugs that treat rare diseases?30:16 Evolutionary biology.39:07 Alex is a very intelligent vegetable.44:42 Human milk oligosaccharides (HMOs) formulated with information molecules.51:53 The fecal transplant isn't new science.1:06:46 Freediving helped Alex look inward toward the microbiome.1:13:26 “What's inside of us is all around us.”1:25:05 The HMOs in breast milk serve as training mechanisms in a baby's gut.1:36:05 Is it possible that HMOs could work one day like fecal transplants?1:44:47 Where do these HMOs originate?1:50:33 Formulating infant formulas that aren't inflammatory should be the norm but aren't.2:07:29 Creating an ethical regenerative business by integrating humanity into it.2:12:49 Humans are so good at finding comfort in dis-ease.2:25:34 Where probiotics went wrong.Resources BifidobacteriumFructooligosaccharides (FOS)Paul's Living 4D conversation with Dr. Nathan RileyThe Abdominal and Pelvic Brain by Byron RobinsonFind more resources for this episode on our website.Music Credit: Meet Your Heroes (444Hz), Composed, mixed, mastered and produced by Michael RB Schwartz of Brave Bear MusicThanks to our awesome sponsors:PaleovalleyBIOptimizers US and BIOptimizers UK PAUL15Organifi CHEK20Wild PasturesKorrect SPIRITGYMPique LifeCHEK Institute We may earn commissions from qualifying purchases using affiliate links.

Human milk oligosaccharides (HMOs) are complex sugars that pass undigested to your baby's colon, where they feed beneficial bacteria, strengthen defenses, and support healthy brain and immune development A systematic review and meta-analysis in Frontiers in Pediatrics found that breast milk continues supplying substantial amounts of HMOs beyond 12 months, supporting gut health and brain development into toddlerhood Certain HMOs, such as 3-fucosyllactose, even increase over time. This shows that the balance of individual sugars shifts across lactation and continues shaping your child's development after infancy Breast milk also contains myo-inositol, a sugar shown to boost synapse formation and neuronal connectivity, highlighting how breast milk delivers brain-supportive compounds beyond traditional nutrients To keep your breast milk as nourishing as possible for your baby, prioritize whole foods, minimize unnecessary medications, and reduce toxin exposure. If breastfeeding isn't possible, screened donor milk is the next best option

This month we invite Mark and Martin Pow of Property Pow Brothers who have just completed the Property Entrepreneur Program, and have just joined the Advanced program as well as the Mastermind group. They had the honour of being voted by their peers for The Deal of The Year and we will go behind the scenes on that deal.   Mark and Martin are both family men and based in the South West. They started investing about 15 years ago and now specialise in Commercial Conversions, Title Splits and large HMOs.    The office conversion was a large property, 965m2 and they agreed a purchase option subject to planning, which they obtained for 10 flats, 8 x 3 beds and 2 x 1 beds. Property investing is not without its challenges and we discuss how their Joint Venture and funding partners withdrew just before completion and how they managed to raise £400,000 in 24 hours as well as how they found their lease provider.    Here are the numbers:   10 bed HMO in the South West Purchase Price: £620,000 (asking price £1m) Total including purchase, conversion and finance: £1,767,000 Gross Development Value (GDV): £2,800,000 Equity: £100,000 Cashflow: £138,842 pa Return on Capital Employed: 73% on £190,000 Success and failure are both very predictable.   I hope you enjoy. Want to contact Mark or his guests?   www.thepropertybrokerage.co.uk mark@thepropertybrokerage.co.uk Mark & Martin Pow info@powproperty.co.uk http://www.powproperty.co.uk   07816407114   https://www.instagram.com/propertypowbrothers/ Want to learn more?  

In episode #133 of the Accord Mortgages Growth Series podcast, host Mike Davies, Head of Lending at YBS Commercial Mortgages, speaks with Matthew Martin, Director at Align Property Finance. They explore the changing commercial mortgage market, from the rise of challenger lenders to the importance of building long-term client relationships. The episode covers how interest rates and sector trends are shaping activity, why HMOs are gaining traction, and the role of technology in streamlining processes without losing the human touch. Deregulation and its potential impact are also discussed, with Matthew sharing a cautiously optimistic outlook for the future.  

Send us a textWe trace Bolaji's shift from rocky buy-to-lets and a rogue agent to a focused rent-to-SA strategy powered by solid training, better sourcing, and a dependable operations partner. Cash flow comes first, then diversification into HMOs and creative control tools to build a safer portfolio.• social housing background and first buy-to-lets• council schemes, reliable rent, and a difficult tenant• the agent nonpayment issue and hard lessons learned• training paths, networks, and why accountability matters• direct-to-landlord outreach and delayed response reality• filtering deal sourcers and Article 4 planning discipline• landing a rent-to-SA with pro management and strong bookings• next steps: more SA units, then R2R HMO, PLO as a tool• using expert calls, live workshops, and deal reviews to de-risk• mindset: value over cost, systems over hustle, community over guessworkCheck out educationtoaction.com to explore the community and training. Questions? Email support@educationtoaction.comVALUABLE RESOURCES: My Property Investing Community called Property Education To Action, This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com You can learn and take action on your property goals for just £1 Visit www.educationtoaction.com to explore free Property Ebooks and guides in Rent-to-Rent, Serviced Accommodation, Deal Sourcing, PLOs and more and also our FREE training masterclasses to help you generating a sustainable income through property. https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/YouTube: https://www.youtube.com/channel/UCgwQNC72nEJQ0tKkKERdQOQThreads: https://www.threads.net/@markfitzgeraldent...

We are in day 22 of the government shutdown, as Democrats are not showing any signs of coming to the table to negotiate something reasonable. There has been nothing affordable about the affordable care act and was pushed through by Democrats during the Obama era. The expiring subsidies that Democrats are fighting for were also created and voted on by Democrats. Obamacare wreaked havoc on the healthcare marketplace and literally destroyed affordable health plans like HMOs. Next year, insurers expect an 18% percent increase in healthcare premiums because they expect healthy people to ditch their ridiculous "healthcare" plans. Congressman Ben Cline is here to talk about the stalemate and how we might get the government back up and running. Featuring: Rep. Ben Cline U.S. Congressman | Virginia, District 6 https://cline.house.gov/ Today's show is sponsored by: Keksi Cookies Keksi is a gourmet cookie company known for making cookies so good, people actually talk about them. Keksi cookies are both grandma approved and social media worthy. These cookies are so good you will want to post about them and tell all your friends. For Halloween, Keksi is releasing cookies like The Mummy, a rich chocolate cookie stuffed with Nutella and packed with white chocolate chips, then wrapped in frosting bandages and given chocolate chip eyes. It's spooky, it's sweet, and honestly—it's way too delicious to survive the night. So this Halloween, forget the tricks, this is the only treat you need. Head to ⁠https://www.keksi.com/⁠ use code: SEAN15 at checkout for 15% OFF! Delta Rescue Delta Rescue is one the largest no-kill animal sanctuaries. Leo Grillo is on a mission to help all abandoned, malnourished, hurt or suffering animals. He relies solely on contributions from people like you and me. If you want to help Leo to continue his mission of running one of the best care-for-life animal sanctuaries in the country please visit Delta Rescue at: https://deltarescue.org/ ------------------------------------------------------------- 1️⃣ Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 2️⃣ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ 3️⃣ Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ 4️⃣ Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ 5️⃣ Follow The Sean Spicer Show on social media: Facebook: https://facebook.com/seanspicershow Twitter: https://twitter.com/seanspicershow Instagram: https://instagram.com/seanspicershow Learn more about your ad choices. Visit megaphone.fm/adchoices

PPO, HMO, HSA, FSA… WTF? Understanding Employee Benefits with HR Pro Veronica Barnas | E075Open enrollment season is here — but don't just click “same as last year.” This week on The Extreme Personal Finance Show, Chris sits down with HR powerhouse Veronica Barnas, a 20-year Human Resources veteran specializing in employee benefits.They break down the alphabet soup of benefits — PPOs, HSAs, FSAs, and HMOs — in plain English and with a few laughs. Veronica explains how to stop leaving free money on the table, how to actually build wealth through your benefits, and why your 401(k), HSA, and disability coverage might be more powerful than you think.From the triple-tax advantage of an HSA to secret perks like tuition reimbursement, employee stock programs, and even pet insurance, this episode helps you take control of your financial health the same way you take care of your physical one.In This Episode You'll Learn:• Why “same as last year” could cost you thousands• The real difference between a PPO, HMO, and high-deductible health plan• How to use your HSA as a stealth retirement account• Why disability insurance is one of the most underrated safety nets• How to spot free money in your benefits package• Overlooked perks like tuition reimbursement, stock purchase programs, and gym reimbursements• How to make open enrollment season work for your wallet, not against itWhether you're new to the workforce or a seasoned pro, this episode will help you understand your benefits like a boss and maximize every dollar your employer offers.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyConnect with Veronicahttps://www.linkedin.com/in/veronica-barnas-28ba7723/

Send us a textRent-to-rent deals offer landlords guaranteed income, professional property management, and freedom from day-to-day hassles while providing operators significant cash flow potential. This strategy works because it addresses landlords' pain points including void periods, maintenance headaches, and the desire for reliable passive income.• Landlords have specific pain points: self-management fatigue, void periods, maintenance issues• Explain benefits clearly: guaranteed income, professional property management, no voids• Show the total guaranteed income over the contract term (potentially £70-90k over 5 years)• When negotiating, help landlords understand their actual net income after expenses• You don't need massive capital to start, but some funds or credit access is helpful• Request rent-free periods when improving properties to offset initial costs• Proper due diligence ensures properties are in suitable areas for your target market• Break clauses protect you if a property underperforms• Many successful operators run rent-to-rent businesses alongside full-time jobsIf you need help with your property investing, whether it's rent-to-rent, deal sourcing, serviced accommodation, HMOs, or refurbishments, check out Education to Action for free guides, tools, resources and our supportive community.VALUABLE RESOURCES: My Property Investing Community called Property Education To Action, This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com You can learn and take action on your property goals for just £1 Visit www.educationtoaction.com to explore free Property Ebooks and guides in Rent-to-Rent, Serviced Accommodation, Deal Sourcing, PLOs and more and also our FREE training masterclasses to help you generating a sustainable income through property. https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/YouTube: https://www.youtube.com/channel/UCgwQNC72nEJQ0tKkKERdQOQThreads: https://www.threads.net/@markfitzgeraldent...

    On this episode of The Ty Brady Way, Ty breaks down the current state of the health insurance industry and why so many agents and consumers are feeling the turbulence. From the Inflation Reduction Act's changes to Medicare drug plans and the rising cost of care, the ripple effects are hitting carriers, doctors, and members alike. Ty speaks about why PPOs are leaving markets, the differences between HMOs, PPOs, and Medicare Supplements, and why commission cuts are happening. Ty also shares insights on common pain points like dental coverage, prescription drug costs, and how to help members navigate plan changes without unnecessary frustration. While the headlines may sound grim, this episode reminds us that change is constant — and with change comes opportunity. By focusing on education, resetting strategies, and putting members first, agents can not only adapt but thrive in this new landscape.     As always, we would like to hear from you! Email us at thetybradyway@gmail.com Or DM us on Instagram @thetybradyway https://www.instagram.com/thetybradyway/

Send us a textIn the latest of episode of Housed, Sarah Canning, Dan Smith and Deenie Lee discuss:

In this edition of Buck Don't Give a ____, Marc Cox and Dan Buck dive into RFK Jr.'s challenge to Big Pharma and the medical establishment. They reveal how pediatricians may receive $200–$600 per fully vaccinated patient from HMOs, potentially earning up to $1 million a year. The hosts question the growing 72-shot vaccine schedule, the lack of studies on cumulative effects, and the ethical concerns around financial incentives driving medical recommendations. They also discuss the pressure parents face when questioning vaccine protocols and the need for transparency in healthcare.

In this episode of the Scottish Property Podcast, Nick and Steven sit down with Elaine McLaren, chartered management accountant turned property investor. Elaine shares her journey from growing up in Scotstoun with early exposure to renovations, to leaving behind the corporate mould and building a portfolio designed to give her family more freedom and flexibility.From watching Homes Under the Hammer to investing £15,000 in property training, Elaine reveals the importance of vision boards, long-term planning, and staying focused on why you started. She also opens up about her successes, lessons learned, and her evolving strategy — from building buy-to-lets to flipping properties and taking on HMOs.

In this episode I'm breaking down the 5 biggest myths within serviced accommodation so you know exactly what's true and what's not. Serviced accommodation is one of the most misunderstood strategies in property, but with the right knowledge you can see past the noise and use it to your advantage.I've built an extensive portfolio across buy-to-lets, HMOs, and serviced accommodation, and I've helped over 50 investors create serious income through property I'll give you the facts so you can see if this strategy is the one for you.Online visualisation course: Unlock the same mental strategies used by elite athletes, entrepreneurs and creatives to sharpen focus, reduce stress and turn big dreams into reality - in just minutes a day.→ https://geomcnee.com/visualisation-courseRegister Interest in a full breakdown walk through with one of our investor deals (30% yeild) - https://geomcnee.com/propertyexampleFollow me on instagram - https://www.instagram.com/mountmindset_/?hl=en

Are small buy-to-let landlords finished… or is this exactly the moment to lean in? In this candid conversation, Ant Lyons (Your Property Network) sits down with veteran investor and PIN founder Simon Zutshi to cut through the doom and gloom around the Renters' Rights Bill, Section 24, EPC changes, rising rates—and why, despite it all, there's still a powerful role for the small, professional landlord. Simon shares his “five golden rules,” how he's adapting his own portfolio (and why most new purchases now go into Ltd companies), and the practical moves you can make this quarter to find motivated sellers, structure win-win deals, and buy for cash flow first. If you've been on the fence, this is your confidence injection. What you'll learn The real impact of the Renters' Rights Bill & Section 24—and how pros are adapting Why vulnerable tenants may be hit hardest (and how good landlords can still help) EPC realities for older stock and what “good enough” looks like Buying criteria that works in 2025–2026: cash flow, demand, buffer When flipping is risky—and how to future-proof by holding for income Why now is a contrarian buying window (and how to spot motivated landlords) How to “sweat the asset” (HMOs, SA) and compete on quality, not a race to the bottom Simon's offer-and-follow-up playbook to actually get deals agreed Timestamps 0:00 Intro — Is the small landlord finished? 1:30 The policy landscape: RRB, Section 24, taxation reality 6:40 Who really pays the price? Tenants, courts, and insurance options 11:20 EPC changes and older stock—what's realistic 14:30 Company structures, treating it like a business 17:30 Buy for cash flow (not hope): shifting criteria into 2026 21:40 Quality HMOs vs “average” stock 23:40 Contrarian window: why Simon is buying now 29:20 New builds vs value-add: where returns really come from 39:10 Simon's checklist: motivated sellers, demand, cash flow, long-term, buffer 43:55 Offer strategy & relentless follow-up About our guest Simon Zutshi is the founder of Property Investors Network (PIN), bestselling author of Property Magic, and a full-time investor with three decades of experience through multiple cycles.

Send us a textWe explore the world of property investment strategies focusing on Purchase Lease Options (PLOs), Lease Options, and Purchase Options as powerful tools for controlling property without immediate ownership. Breaking down each strategy's components, benefits, and ideal applications, we demonstrate how these creative acquisition methods can help both investors and tenant buyers achieve their property goals.• Purchase Lease Options (PLOs) combine three elements: agreeing to purchase at a set price, leasing the property monthly, and having the option to buy at term end• PLOs allow investors to control properties without needing immediate deposits or solicitor fees• Particularly effective with HMOs and serviced accommodation where you can generate income before purchase• Lease Options typically work with tenant buyers who want to eventually own their homes• Purchase Options are shorter-term agreements useful for deal sourcers locking out properties for investors• All agreements require proper legal setup with solicitors representing both parties• Best approached as specific solutions rather than one-size-fits-all strategies• Most successful when building trust and creating win-win scenarios for all partiesFor ongoing support and in-depth training on these property investing strategies, check out our Education to Action community where you can access live coaching sessions and comprehensive property investing blueprints. Subscribe, share, and keep investing with skill, knowledge, and action.VALUABLE RESOURCES: My Property Investing Community called Property Education To Action, This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com You can learn and take action on your property goals for just £1 Visit www.educationtoaction.com to explore free Property Ebooks and guides in Rent-to-Rent, Serviced Accommodation, Deal Sourcing, PLOs and more and also our FREE training masterclasses to help you generating a sustainable income through property. https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/YouTube: https://www.youtube.com/channel/UCgwQNC72nEJQ0tKkKERdQOQThreads: https://www.threads.net/@markfitzgeraldent...

Guest Sam Olsen.  Signa PPO dental plans vs HMOs.  Teens & Diabetes.  Health & Human Services recinds undocumented immigrants access to healthcare.  Medicare Plan D - deductibles rising.  Skin substitutes.

An off-grid grandad says he won't be forced out of his creekside home despite being “more or less” fenced in.Bob Thwaites has lived off the bank of the Swanscombe Peninsula without any problems since 1991 but the new landowner have now put up a 6ft to keep people out. Also in today's podcast, there are fears the government's decision to approve a second runway at Gatwick Airport could lead to more noise pollution for Kent residents.£2.2 billion of private money is going to be spend on the expansion - which will allow for another 100-thousand flights a year.An MP is calling for a crackdown on excessive numbers of houses of multiple occupancy in Gillingham. Naushabah Khan says too many HMOs are being permitted in Gillingham and warns the current system could damage community cohesion and change the character of neighbourhoods forever.More than 130 people will carry the Baton of Hope at it travels through Kent today.The tour aims to change the narrative around suicide and started in Medway earlier - we've spoken to some of the people taking part. And in football we've got plenty of reaction from what was a record breaking weekend for Gillingham. Their in over Notts County has seen their unbeaten run in League Two to 21 games.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Scottish Property Podcast, Nick and Steven sit down with Phillip Stewart, a property investor and professional property photographer. Phillip shares his journey from a passion for landscape photography to building a successful property media business – and how he's now using that platform to grow his property portfolio.Phillip talks about working with estate agents, developers, and investors, and explains why professional photography can make or break a property listing. He also opens up about the challenges of starting his own business during COVID, the importance of branding, and how photography has given him a unique advantage when sourcing and investing in property.

Happy Tuesday! It's time for Rob & Rob to answer two more great questions from our listeners!  (0:49) Toff's a high-rate taxpayer with a well-performing buy-to-let in his personal name. He's now looking to buy his own home but faces higher stamp duty that'll add at least £10,000 to the cost. Weighing up whether to sell the rental and lose a good investment, move it into a limited company, or just accept the extra bill – he asks Rob & Rob if there's a smarter move he's missing.  (3:42) Jane's living in Hong Kong and preparing to return to the UK after 15 years as an expat. With £300k to invest, she wants to build a portfolio that provides enough income to work part-time. Her current student HMO has worked well and she's wondering if she should use the pot to buy four more student houses for cash flow.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record!.  Find out more about Property Hub Invest 

In this episode of It Takes Balls, Monica Bryant, Esq., Chief Mission Officer of Triage Cancer, unpacks the legal and financial rights that every patient, survivor, and caregiver needs to know.Drawing on her expertise as a lawyer and nationally recognized speaker, Monica breaks down how critical protections like the Americans with Disabilities Act (ADA) and the Family and Medical Leave Act (FMLA) work in real life for cancer patients. She explains the nuances of job protection, paid and unpaid leave, and disclosure in the workplace—topics many survivors struggle to navigate while undergoing treatment or returning to work.The conversation also dives into the complexities of health insurance. From understanding the differences between HMOs and PPOs to spotting common medical billing errors, Monica provides clear guidance to help patients avoid financial traps during treatment. She also sheds light on disability insurance and financial assistance programs that can ease the crushing costs of cancer care.Monica doesn't stop at the immediate challenges - she stresses the importance of planning for the future through estate planning, powers of attorney, and advance directives, tools that can provide peace of mind for patients and their families. With a focus on empowerment, she encourages survivors to see themselves not just as patients but as advocates who deserve to understand and exercise their rights.This episode is packed with practical information. Monica Bryant's message is clear: the non-medical side of cancer is just as important as the medical one, and knowing your rights is the first step in taking back control.Have a question for a future expert guest? Submit here:https://www.testicularcancerawarenessfoundation.org/it-takes-balls-question-submissionWant to be a guest? Apply here: https://www.testicularcancerawarenessfoundation.org/it-takes-balls-submissionsFollow Testicular Cancer Awareness Foundation:https://www.testescancer.orghttps://www.x.com/testescancer⁠⁠https://www.instagram.com/testescancerhttps://www.facebook.com/tca.orgLearn more about Triage Cancer:https://triagecancer.orgFollow Steven Crocker: https://www.twitter.com/stevencrockerhttps://www.instagram.com/stevencrockerhttps://www.facebook.com/steven.crocker2Theme song: No Time Like Now - Tom Willner www.tomwillner.com

In this episode of the Scottish Property Podcast, Nick and Steven sit down with Neil Dymock to break down the latest developments in the Scottish and wider UK property markets. From falling rents in Dundee to the impact of government taxes, Neil provides valuable insights for landlords, investors, and anyone keeping an eye on where the market is heading.

Starmer & Yvette Cooper: On Side of Illegals or People of Epping?  #Epping #Starmer #YvetteCooper #MigrantCrisis #UKPolitics #JonGaunt #Farage  The Bell Hotel injunction case in Epping shows exactly where Westminster's loyalties lie. Are Starmer and Yvette Cooper on the side of illegal migrants — or the people of Epping?  It is the political establishment's caution, inaction and incompetence that has landed us in this position. But why should the people of Epping be put in danger? The British public do not want migrants housed in hotels or HMOs. They want secure camps and immediate deportations. Other countries like Greece, Denmark and Germany are showing the way — so why is Britain still a soft touch? Join Jon Gaunt live as we expose how Labour and the government are failing communities, and why this battle in Epping matters for the whole country.  #BellHotel #Epping #Starmer #YvetteCooper #MigrantCrisis #UKPolitics #ReformUK #Farage #ImmigrationUK #StopTheBoats #DeportNow #SoftTouchBritain #SecureBorders #MigrantProtests #UKRiots #ChaosInBritain #BritishPeopleFirst #HotelMigrants #IllegalImmigrationUK #CommunityVoices #LabourImmigrationPolicy #GovernmentInaction #ProtectOurTowns #AsylumSeekersUK #UKBorderControl  BellHotel, Epping, Starmer, YvetteCooper, MigrantCrisis, UKPolitics, ReformUK, Farage, ImmigrationUK, StopTheBoats, DeportNow, SoftTouchBritain, SecureBorders, MigrantProtests, UKRiots, ChaosInBritain, BritishPeopleFirst, HotelMigrants, IllegalImmigrationUK, CommunityVoices, LabourImmigrationPolicy, GovernmentInaction, ProtectOurTowns, AsylumSeekersUK, UKBorderControl  This video is a politics blog and social commentary by award winning talk radio star, Jon Gaunt  

This week on Ask Rob & Rob, we've got two great listener questions – including one on a topic we've never covered before… (0:51) David already has two HMOs under his belt and now has his eye on a 6-bed property for his third. He's got around £100,000 to put towards it, but he needs another £50,000. So he's wondering… how can he get the extra funds? (6:45) Tom's just bought two leasehold flats that were repossessed from the previous owner – who also happened to be the freeholder. Now he's looking to buy the freehold, but it seems like a complicated process, so he's hoping Rob & Rob can shed some light.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record!.  Find out more about Property Hub Invest 

In this episode of the Scottish Property Podcast, Nick and Steven welcome back Caroline Claydon, who first appeared on the show in 2020. Since then, Caroline has transformed her property career, moving from HMOs and planning gain projects to building her own boutique aparthotel brand – the Archibald Hotel Collection.Caroline shares the highs and lows of her journey – from overcoming £80,000 of debt in the 2008 crash, to creating multimillion-pound developments in Edinburgh. She opens up about the challenges of planning refusals, rogue contractors, and refinancing setbacks that “nearly broke her,” as well as the systems, AI tools, and design-led approach that now make her business stand out.

It's time for the latest edition of Ask Rob & Rob, so let's dive right in!    (0:50) Dan has previously invested in stocks and shares and is now moving into property to take advantage of leverage. As a high earner, it's more tax efficient for him to invest through a limited company, but he wants to know whether the ‘ultimate property strategy' still works in that setup. Since refinancing doesn't provide the same income benefits in a company structure, he asks if there's an alternative way to achieve a similar outcome.  (3:37) Maggie's due to complete on her second flat using the BRR strategy, with plans to move into flips and eventually HMOs. While she thrives on sourcing deals and managing refurbs, she struggles with the admin side. She asks Rob & Rob how they handle the business side of property and how much of this should be handed over to an accountant. Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question here – just hit record!.  Find out more about Property Hub Invest 

https://www.progressiveproperty.co.uk/raf/ Former journalists Erica and James share their journey building a property portfolio through Progressive Property's education and community. After experiencing redundancy and living in a camper van, they discovered no-money-down strategies, rent-to-rent deals, and HMOs. Their story reveals how they transformed from traditional buy-to-let investors into creative property entrepreneurs, completing more deals in 12 months with Progressive than in five years before. They also share their mindset barriers, how to leverage other people's money and more! KEY TAKEAWAYS • Erica desperately wanted to give her money to property partners, while in the UAE, she actively sought people to invest with because she lacked local knowledge and emotional connection to oversee refurbishments herself. • James learned property's leverage advantage after going a year without pay. His experience of financial instability in journalism made him realise property offers unique access to banks' and investors' money that other investments don't provide. • After joining Progressive Property, their deal flow accelerated dramatically compared to their traditional approach of saving salaries for deposits. • Their first six months felt like failure, but built the foundation for their success. The initial period of following Kevin McDonald's steps without visible results was actually creating the network and credibility that led to four rent-to-rent properties. • James's mother quadrupled her income overnight using Progressive strategies, she attended MISA, converted a single let to HMO, then successfully moved into serviced accommodation, proving education works for experienced investors too. BEST MOMENTS "One of the reasons I've got into property is that idea of having an independent source of income that no one else can take away from you." "Don't jump out of your job before you've built your parachute…we were like, well, it's too late for that." "In sort of 12 months, we've done more deals than we did in the five years before that." VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people's property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

From rundown flats to a multimillion-dollar portfolio—this is what grit looks like!

In this inspiring episode, Vinney Chopra sits down with Badri Hebsur, a UK-based entrepreneur and real estate investor who built a multimillion-dollar property portfolio from scratch. Starting with rundown flats while working a full-time job, Badri steadily scaled his wealth through value-add real estate strategies. Today, he manages over £7 million in assets and has successfully expanded into the senior living sector, transforming a 33-bed nursing home into a thriving business.   Listeners will discover:

Nuneaton 12 Year Old Girl Raped — Police Hid Afghan Asylum Suspects id.  #JonGaunt #NuneatonRape #AfghanAsylumSeekers #PoliceSecrecy #StateOfEmergency #UKPolitics  A 12 year old girl has been raped in Nuneaton. Two Afghan asylum seekers have been arrested and charged.  Warwickshire Police reportedly told councillors and officials not to reveal the suspects' ethnicity for fear of riots.  In this show, Jon Gaunt exposes the facts of the case, the secrecy, and the wider failures in policing and immigration policy.  The reality: • Victims must come first — no two tier policing or justice • If revealing ethnicity sparks unrest, police it properly — don't hide facts • Moving asylum seekers from hotels to Houses in Multiple Occupation (HMOs) is a dangerous con trick  • All new arrivals should be held in secure camps until asylum cases are decided • Declare a state of emergency until the backlog is cleared  Join Jon Gaunt  as he demands action, truth, and urgent reform.  #JonGaunt #AfghanAsylumSeekers #Nuneaton #RapeCase #PoliceSecrecy #VictimsFirst #StateOfEmergency #SecureCamps #ScrapHMOs #UKImmigration #WarwickshirePolice #TwoTierPolicing  Jon Gaunt, Afghan asylum seekers, Nuneaton rape, state of emergency, police secrecy, victims first, secure camps, scrap HMOs, UK immigration, Warwickshire Police, two-tier policing, LIVE, Migrant hotels  This video is a politics blog and social commentary by award winning talk radio star, Jon Gaunt  

Adam was almost a decade into his surgical training, a few years away from becoming a consultant, and working towards his PHD, when one day he looked up and realised this wasn't what he wanted to do for the next 40 years of his life. He walked away from it all, into a job that he not only found more fulfilling, but that also gave him some free time back to pursue other interests. Fast forward two years (or 22 months to be precise) since he joined our Inside HMO Investing programme, and he's working on his 4th HMO... on track to acquire 10 within 5 years, and to generate a £20,000 monthly income as a result. In this episode we dig into how he built momentum so fast, and why focus and execution matter more than unicorn deals.  ********************Welcome to the Inside Property Investing Podcast with Mike Stenhouse. You're in the right place if you're looking for practical advise and inspiring stories to help you build a thriving property investment business and create more freedom in your own life. Free up 10+ hours in your property business >>Start your application for the IPI Mastermind >>See what we've got going on right now to help you succeed - https://go.insidepropertyinvesting.com/podcast-links Get more advice and inspiration on your favourite platforms:Instagram: @InsidePropertyInvestingYoutube: Inside Property InvestingFacebook: Inside Property InvestingNewsletter: InsidePropertyInvesting.com

Client story Retired from Kern Co.  HMOs vs PPOs.  Tehachapi Couple retiring.  Medicare Supplement C and why not recommended.  Inflation Reduction Act and difficulty finding medications.  

Salvation through Jesus.  Contact Paul 3 months before turning 65.  MEDPAC - Medicare Payment Advisory Commision.  Breakdown of Medicare Advantage Plans.  Not efficient.  HMOs.  Role of Lobbyists.

Simon discusses the advantages of seeking property deals during the summer months. With many investors slowing down their activities for holidays, he encourages you to take advantage of the reduced competition in the market, outlining specific strategies for finding motivated sellers, including using property filter software, engaging directly with estate agents, and reaching out to landlords. KEY TAKEAWAYS The summer months, particularly July and August, are often seen as a slow period for property investors. However, this is a prime time to find motivated sellers as many investors take a break, leading to less competition in the market. Utilise property filter software or platforms like Rightmove and Zoopla to identify motivated sellers. Make direct calls to agents representing these sellers to discuss potential deals and arrange viewings. Visiting estate agents in person can help establish rapport and trust. Present yourself as a serious buyer looking for local expertise, which can lead to better opportunities and insights into available properties. Sending letters to landlords, especially those with HMOs, can uncover off-market opportunities. Many landlords may be looking to sell or are open to creative financing options, making this a valuable strategy. BEST MOMENTS "In the summer, typically in July and August, most property investors decide to slow things down a little bit because they want to go on holiday." "The very reason that most people are off is a reason that you should step up your activity." "When you make an offer, you actually want the seller to reject that offer." "It's great to be able to speak to them outside of the office." VALUABLE RESOURCES To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 www.pinmeeting.co.uk   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals.   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025—————————In this episode of This Property Life, host Sarah Blaney is joined by the straight-talking and insightful Murat Haykir, Co-Founder of Moorview Property. Mo shares the candid story of how he and his business partner jumped headfirst into every property strategy you can think of, from HMOs and SA to developments and lettings, before realizing that trying to do everything often leads to doing nothing exceptionally well.Key Learnings Doing everything doesn't make you successful.Cashflow is king; build that foundation before chasing profits or equity.Success in property is about boring repetition.Mentorship is powerful, but only when paired with implementation.Timestamps:[03:04] - Mo's start in property during university[11:05] - Growing through sourcing, refurb.[23:34] - Focusing on HMOs and letting go of distractions[38:00] - Thinking long-term: will this serve my 5-year vision?[46:18] - Wrap-up and where to find Mo onlineFollow Murat Haykir Socials:LinkedIn: https://www.linkedin.com/in/murat-haykir-8a534045Facebook: https://www.facebook.com/MoHaykir/ Instagram: https://www.instagram.com/muratjeffreyhaykir/ YouTube: https://www.youtube.com/channel/UCTXjKFKZkpFRIxiHwK67N9w Company's LinkedIn: https://www.linkedin.com/company/moorview-property/ Company's Facebook: https://www.facebook.com/moorviewlets/ Company's Instagram: https://www.instagram.com/moorview_lets/ Website: https://moorviewproperty.com/about-us/ Follow This Property Life Podcast:Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylife?lang=en Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

In this episode of Property Investment Blueprint Podcast, Rahim Bah sits down with Dr. Alka Patel—a longevity expert, medical doctor, and biohacker—to uncover how entrepreneurs can extend their healthspan, avoid burnout, and live younger, longer.Why Entrepreneurs Die Early – Dr. Alka Patel's Warning | Longevity Secrets with Rahim Bah Dr. Alka Patel shares her incredible journey from surviving a near-death burnout to helping high-performers optimize their healthLearn:The #1 mistake entrepreneurs make that accelerates agingHow a 106-year-old man's wisdom changed her approach to longevityThe 3-word philosophy (Fun, Focus, Finesse) to sustainable successWhy guilt almost destroyed her—and how she reframed itSimple biohacks (like the "770 Rule") to reduce stress daily

Story at-a-glance Breastfeeding for at least six months increases gut microbiome diversity in infants, reducing inflammation and supporting immune function, which contributes to lower blood pressure in early childhood A one-unit increase in gut microbiome diversity at one month of age correlates with a 1.86 mmHg decrease in systolic blood pressure by age 6, lowering long-term cardiovascular risk Formula-fed infants have a less diverse gut microbiome with more inflammatory bacteria, increasing the likelihood of gut imbalance, immune dysfunction, and higher blood pressure later in life Human milk oligosaccharides (HMOs) in breastmilk selectively feed beneficial bacteria, enhancing digestion, immune support, and disease protection, advantages formula cannot replicate Secretory immunoglobulin A (SIgA) in breastmilk strengthens gut lining integrity, prevents infections, and trains the immune system to differentiate between harmful and harmless substances

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! 

If you're ready to finally get to the root of your child's eczema, constipation, or endless picky eating—this episode is your playbook. I'm joined by Madeline Lauf, founder and CEO of Begin Health, to give you clear, actionable steps to start healing your child's gut microbiome today. From food choices to formulas, from poop patterns to probiotics—we're breaking down exactly what's messing with your kid's gut and what you can actually do about it. We dig into: Why gut health is the place to start when dealing with chronic conditions like eczema How birth method, feeding choices, and antibiotics impact your baby's gut The role of bifidobacteria, prebiotics, and HMOs (human milk oligosaccharides) in healing What to look for in infant formulas and gut-supportive foods Why tallow cream belongs in your gut-healing toolkit The gut-friendly way out of constipation (no more long-term Miralax!) How to shift your child's cravings away from sugar and toward real, healing food The power of your child's stool as a “gut health report card” How to start gut-healing routines that actually stick — even for picky toddlers This is your step-by-step on how to stop guessing and start rebuilding your child's gut and skin health from the inside out. Resources: Begin Health Prebiotics & Probiotics – use code ECZEMAKIDSPODCAST for 10% off → beginhealth.com Eczema Kids Tallow Cream – microbiome-friendly skin moisture → Eczema Kids Shop Free Gut-Healing Recipe Guide – “7 Meals Your Eczema Kid Will Actually Like” → eczemakids.com/7-meals-freebie

In this revelatory episode, I am joined by Dr. Don, a seasoned physician with four decades of experience, hailing from California. Over the course of his distinguished career, he has witnessed firsthand the profound harm wrought by the rise of centralized medicine—harm that, tragically, he himself contributed to through his involvement with a large HMO in the state. Now, with a deepened awareness of the devastating impact this system has had on countless patients, Dr. Don has dedicated himself to righting these wrongs. His mission is nothing less than to undo the damage done and prevent further suffering. As part of his crusade, he is exploring the possibility of a class action lawsuit against these powerful HMOs for their decades-long history of malpractice, neglect, and the dissemination of false information. Join us for an engaging and meticulously detailed conversation, in which Dr. Don offers a sobering critique of the current medical landscape. His insights are not only a call to action but also an invitation to consider what we, as individuals and as a society, can do to transform a system that has long been broken. Don't miss this compelling and thought-provoking discussion—one that may well inspire you to become an agent of change within the healthcare system. Don't forget to like and subscribe to the Plant Free MD channel for more informative and inspiring content!   ✅ Dr Chaffee's website: www.thecarnivorelife.com ✅Join my PATREON for early releases, bonus content, and weekly Zoom meetings! https://www.patreon.com/AnthonyChaffeeMD ✅Sign up for our 30-day carnivore challenge and group here! https://www.howtocarnivore.com/ ✅Stockman Steaks, Australia Discount link for home delivered frozen grass-fed and grass finished pasture raised meat locally sourced here in Australia! Use discount code "CHAFFEE" for free gift with qualifying orders! http://www.stockmansteaks.com.au/chaffee ✅ 60-minute consultation with Dr Chaffee https://calendly.com/anthonychaffeemd/60-minute-consultation   Sponsors and Affiliates: ✅ Brand Ambassador for Stone and Spear tallow and soaps referral link https://www.stoneandspeartallow.com/?ref=gx0gql8b Discount Code "CHAFFEE" for 10% off ✅ Carnivore t-shirts from the Plant Free MD  www.plantfreetees.com ✅THE CARNIVORE BAR: Discount Code "Anthony" for 10% off all orders!   https://the-carnivore-bar.myshopify.com/?sca_ref=1743809.v3IrTuyDIi ✅Schwank Grill (Natural Gas or Propane) https://glnk.io/503n/anthonychaffeemd $150 OFF with Discount Code: ANTHONYMD ✅X3 bar system with discount code "DRCHAFFEE" https://www.kqzyfj.com/click-100676052-13511487 ✅Cerule Stem cells https://DrChaffee.cerule.com ✅CARNIVORE CRISPS: Discount Code "DRCHAFFEEMD" for 10% off all orders! www.carnivorecrisps.com ✅Shop Amazon https://www.amazon.com/shop/anthonychaffeemd?ref=ac_inf_hm_vp   And please like and subscribe to my podcast here and Apple/Google podcasts, as well as my YouTube Channel to get updates on all new content, and please consider giving a 5-star rating as it really helps!   This podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast or materials linked from this podcast is at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Users should not disregard or delay in obtaining medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. Music Credit: Music by: bensound.com License code: MPTEUCI8DAXJOKPZ Music: bensound.com License code: FJQPPMCJLHEOYGQB Music: Bensound.com/royalty-free-music License code: KQAKMWSXIH3MJ4WX Music I use: https://www.bensound.com License code: 58NN4QOSKWJ7ASX9