Podcasts about hmos

//The Wire//2300Z June 11, 2026// //ROUTINE// //BLUF: IRAN WAR RESUMES AS AMERICAN BOMBING CONTINUES WHILE POLITICAL STATEMENTS CLAIM A HALT TO BOMBING BUT ALSO THE IMPENDING SEIZURE OF KHARG ISLAND. TARGETING OF MERCHANT VESSELS CONTINUES IN THE STRAIT OF HORMUZ. UNREST CONTINUES IN NORTHERN IRELAND.// -----BEGIN TEARLINE------International Events-Middle East: The war continued overnight with renewed strikes taking place around the region. The United States has begun bombing targets within Iran, targeting locations mostly in the southern regions of the country. Mainstream sources claim that approximately 49x Tomahawk standoff munitions were used to conduct the strikes, along with various bombs and other munitions delivered by aircraft platforms. On the Iranian side, missile and drone strikes continued overnight in Jordan, Bahrain, and Kuwait. Battle damage assessment will take some time, however locals report that American bases were hit with at least some munitions in Jordan. The success of the other strikes remains unknown for now. As of this afternoon many statements have been made by President Trump, involving the US intending to seize Kharg Island at some point. Later on in the afternoon President Trump also stated that VP Vance is scheduled to sign a "deal" (likely a Memorandum of Understanding and not a full peace deal) with the Iranians this weekend in Europe. No further clarification on either topic has been conveyed.Strait of Hormuz: The targeting of civilian vessels by both sides has also continued over the past few days. The United States struck the M/T SETTEBELLO two days ago, which resulted in the death of three Indian nationals. This follows a similar attack the day before on the M/T MARIVEX which was conducted under similar circumstances. After last night's wave of American attacks, Iran has claimed to have closed the Strait to all traffic once again.Analyst Comment: Initial reporting indicates that all merchant vessels are holding tight wherever they are, as the new wave of attacks has reduced the chance of success in transiting the Strait. At the time the targeting took place last night, there were several ships in the Strait, some of which may have been targeted in some way. The situation is still very busy, but at least one vessel was struck off the coast of Oman last night, though which side did it remains unknown.Northern Ireland: Riots continued throughout Belfast overnight, with most businesses staying closed or closing early throughout the city, so as to be buttoned-up before nightfall. Most of the rioting and arson attacks have been confined to migrant-run HMOs, with hundreds of facilities being targeted throughout Belfast once night falls. Most of the less-kinetic protests are scheduled to take place outside migrant hotels throughout Northern Ireland, and similar protests have also been reported throughout Great Britain as mass migration concerns remain a critical issue for much of society.-----END TEARLINE-----Analyst Comments: At this point, it's hard to argue that the war in the Middle East has not resumed, despite contradictory rhetoric never being more than a few minutes away. Even since just this morning, the rhetoric has gone from: dozens of Tomahawks launched overnight, and more are on the way tonight, to the attack has been halted, to the US is going to take Kharg Island, to JD Vance will be in Europe over the weekend to sign a peace deal with the Iranians. Whether or not any of that is true remains to be seen, but it's been a rather wild day already.In terms of missiles and bombs, the situation is much more clear. Fighting is not to the level it was during the initial two weeks of the bombing campaign, however the United States and Iran have found themselves conducting "self-defense" strikes against each other every day this week.As of this morning, the White House has indicated that this bombing campaign is expected to continue for at least three days. However, this afternoon, President Trump stated that tonight's bombing raid was canceled due to the Iranians engaging in "discussions" with the United States. Shortly afterward, Iranian state media denied any sort of agreement being made, and several high-ranking officials have stated that while indirect diplomatic talks continue, nothing is set in stone and there's certainly nothing to sign yet. What all of this means is anyone's guess, but this rollercoaster of a week might be explained by the world of finance. This afternoon, SpaceX announced the final details of their IPO filing, taking their company public. As a result a lot of policy makers were scheduled to make a LOT of money, right around the same time bombs were supposed to drop. Publicly announcing the fact that the war has re-entered the hot-shooting phase might cause some hiccups in the markets, so it's possible that a phone call was made and today's strange saga of statements are yet another attempt to manipulate markets by downplaying the truth of what's happening on the ground. As it stands, the rhetoric of the day describes polar opposites: Either the war is over and a deal is pending signature, or the war is back on, and the bombing is ramping up. Time will tell what the truth is, but so far every single time that peace has allegedly been on the table and moments away...bombs tend to fall all the same.Analyst: S2A1 Research: https://publish.obsidian.md/s2underground Disclaimer: No LLMs were used in the writing of this report. //END REPORT//

The property market is being driven by two powerful emotions right now. Fear and greed. And if you're sitting on the fence waiting for certainty before you make your next move, this episode is for you. Neil breaks down every major market disruption of the last 25 years. The GFC, the APRA crackdown, COVID, 13 rate hikes, the 2019 election scare. He shows you exactly what happened to investors who froze versus those who kept moving. The pattern is the same every single time: disruption, freeze, recovery, new highs. With the Federal Budget's proposed changes to negative gearing and capital gains tax creating noise in the market, Neil cuts through the confusion and gets back to the fundamentals that never change. Supply, demand, population growth, and the power of cashflow-positive property. You'll also hear Neil's honest take on why paying down your PPOR and parking everything in super is not the retirement plan you think it is, and why HMOs continue to build wealth in any market condition. Up, down, or flat. In this episode: Why scared money will never make money The disruption, freeze, recovery, new highs cycle every single time What the negative gearing changes actually mean for investors right now Why Perth fundamentals remain rock solid The real retirement math most Australians don't want to look at How cashflow-positive HMOs build wealth regardless of market conditions

Send us Fan MailPicking the “most profitable” property strategy sounds smart until you realise you don't actually want to live that business day after day. I'm Mark Fitzgerald, and I'm digging into the real reason so many investors stall, quit, or stay stuck in the research loop: they choose a property investing strategy for money first, then wonder why their drive disappears when the work gets hard or repetitive. We talk through how to pressure-test your direction without wasting years. If you're starting with little capital, you'll often look at deal sourcing or rent-to-rent, and even then the path can split fast: HMOs demand strong systems and compliance, while serviced accommodation leans heavily on operations and guest experience. We also touch BRR, flipping, and assisted sales so you can think clearly about capital needs, time demands, and what you'll genuinely enjoy executing. I also share why a higher purpose matters more than most people admit. Beyond income and passive cash flow, I'm focused on legacy and impact, including work across supported living, social housing, and temporary accommodation through Social Spaces Solutions UK. When your strategy matches your values and your lifestyle goals, consistency becomes simpler and results follow.If you found this helpful, subscribe so you don't miss what's next, share it with a friend who's stuck picking a path, and leave a quick review to help more investors find the show. What strategy are you most curious about right now?VALUABLE RESOURCES:Let me help you build your property business, Check out how I can support your investing now.Visit https://www.thepropertyunleashed.com/homeMy Property Investing Community called Property Education To Action,  This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com Apply here: thepropertyunleashed.com — click Inner Circle“Free Goal Setting Masterclass: Build Your Life In Five Days”“If you've enjoyed these episodes, leave us a five-star review”https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community.CONNECT WITH ME:Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/...

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

I wanted to talk to a lawyer 'cause, yeah, lawyers are the ones that see stuff that falls the whole way down to the level of legal action. But I wanted to find out what are the main categories of things that wind up in legal land when it comes to broker or EBC (employee benefit consultant) payment agreements. Like, what are the top ways that compensation agreements go horribly awry? For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Doug Aldeen, my guest today, rose to the challenge. And let me just state for the record that, while there are a whole lot of brokers and EBCs who would or do engage in some of these practices, there are also many who do not; and/or it might not be the broker/EBC themselves but the company that they work for who is up to some of the things that we're gonna be talking about in the episode today. But I really, for sure, want to support the gang of honest actors, great fee-based, integrity-based brokers and EBCs; and I wanna support them all day long, many of whom listen to the show and are part of the Relentless Health Value Tribe. But let's talk about how the rent-seeking ones roll so that you can spot them. See what they did there. So, yeah … the first kind of ground zero that Doug and I talk about today is just up-front direct compensation agreements, which may be just ridiculously complicated and/or ridiculously expensive compared to what others are charging for a similar group. Where there's mystery, there is margin. That is so relevant in so many situations, and this is just another one of them. So then, after that, Doug and I move on; and we get into three categories of stuff that sits in that undisclosed or maybe even disclosed zone, where just the whole model of payments is problematic on its face. First up (and this is a biggie), brokers/EBCs recommending rent-seeking solutions to their clients. Like, a broker or EBC suggests a solution to their client where the solution itself makes money on a perverse incentive, and then the broker or EBC gets a piece of that action, which might be called shared savings. So, yeah … even if the dollars to the broker or EBC are disclosed, a naive plan administrator might not see that overcharge for what it really is—and Doug gives a bunch of examples in the show that follows. Chris Deacon (post) and Justin Leader (post) also wrote posts about this. Donovan Pyle wrote a whole book about it. Okay … the next big category of typical payment model methodologies that Doug Aldeen (again, a lawyer) has seen plans get themselves into trouble with their EBCs and brokers—the ones who are sharks, I mean, circling the plan like it's a gold mine—this big category is undisclosed payments from vendors who the plan doesn't realize have a business relationship with the EBC or broker. This can also be a whole basket of solutions that the EBC/broker wants to install, which is basically this problematic payment model at scale. And, right, this matters because then the plan doesn't know if this particular point solution, PBM, stop-loss carrier … Right? They think their broker EBC is recommending it because it's the best option for that particular plan, not understanding that it's the right option for the broker or EBC. And these dollars can be undisclosed because, to a certain extent, the Consolidated Appropriations Act, it's a little bit unclear on certain points. There's some loopholes if you go looking for them because you are so inclined. We get into more detail on this later on. After this, Doug offers a really great roadmap with six steps in it for any plan to really think about as they consider. First, the maybe integrity of their broker or EBC and what is being recommended to the plan. And that's important because, look—and we say this in the conversation that follows, but I'm gonna say it again here loudly—if a plan realizes that their broker or EBC is not really serving the best interest of the plan, there are great options out there. There are great EBCs and brokers who are honest, upstanding that really care about their clients, their plans, their members, and doing the right thing. But telling the difference between the not-so-good ones and the good ones takes some diligence, takes some validation on the part of the plan sponsor. It just does. But the amount of dollars that can be saved is millions, and this is actually, saving those millions is actually better for the plan because it's not like those dollars were going in somebody's pocket. It's not like they were being put toward better, safer, lower premiums. These are dollars that can be cut, and the plan is actually better. My guest today, as I have mentioned at least several times already, is Doug Aldeen, who is a well-known attorney who has spent many years in the self-insured space. This podcast is sponsored by Aventria Health Group, and I do want to give a shout-out and a thanks to our 2026 series underwriter Payerset. Thank you so much for your financial support. That helps keep this podcast on the air. And with that, here is my conversation with Doug Aldeen. Also mentioned in this episode are Chris Deacon, Justin Leader, Donovan Pyle, Mark Cuban, Cost Plus Drugs, Aventria Health Group, Payerset, Cynthia Fisher, Lee Lewis, AJ Loiacono, Dave Chase, Nautilus Health, 32BJ, Andreas Mang, Jon Camire, and Tom Nash. For a list of healthcare industry acronyms and terms that may be unfamiliar to you, click here.   You can learn more on Doug's Web site and by following Doug on LinkedIn.   Doug Aldeen is an Austin, Texas–based Employee Retirement Income Security Act (ERISA) healthcare attorney. From 1997 to 2006, he served both as associate general counsel and general counsel for provider-sponsored HMOs in Champaign-Urbana, Illinois, and San Antonio, Texas. During his tenure at Health Alliance Medical Plans in Urbana, Illinois, he had a front-row seat to the US Supreme Court ERISA case in Pegram v. Herdrich. Since 2007, Doug has owned and operated his own law firm that serves the US self-funded market. In 2016, he served as ERISA counsel for the Berkley Research Group, who served as an advisor to the private equity firm Hellman and Friedman that purchased a majority stake in MultiPlan for $7.5 billion. From 2019 to 2024, Doug served on the government relations committee for the Self-Insurance Institute of America during the period when the Consolidated Appropriations Act was being implemented. In 2022, Doug was featured by KXAN television in Austin in an investigative piece that examined the collection practices of a local hospital. KXAN's investigative work resulted in an Edward Murrow award for public service. For the past 10 years, he has published "The Sunday Morning Bathroom Read" on LinkedIn, which features a weekly tongue-in-cheek review of recent events and the implications to the self-funded market in the US healthcare industry. 00:00 Introduction to this episode. 00:59 A caveat for the record on this episode. 02:11 The first problematic payment model discussed in this week's episode. 03:27 The second problematic payment model discussed in this week's episode. 06:16 The conversation with Doug Aldeen. 06:27 Why is reviewing broker/EBC compensation so important? 08:05 The Ohio Potato Company anecdote. 10:28 The first way brokers/EBCs might get paid. 11:45 What "cost of savings" means. 12:31 EP457 with Cynthia Fisher. 14:07 A rent-seeking solution that requires a cost-benefit analysis. 19:16 Why the broker/EBC is sometimes in the dark about vendor kickbacks. 21:46 Where the CAA is unclear. 22:23 EP508 with Lee Lewis. 22:58 EP379 with AJ Loiacono. 24:04 Actionable advice for plan sponsors. 24:57 The second piece of actionable advice for plan sponsors. 25:22 The third piece of actionable advice for plan sponsors. 26:08 Demystifying the commission structure. 27:35 Using a broker RFP from an open source. 27:54 EP484 with Dave Chase. 28:31 Why you should be auditing data and claims. 29:29 EP478 (Part 1) and EP479 (Part 2) with Andreas Mang and Jon Camire. 31:29 The importance of having an "out." 33:11 Why the broker community may be at substantial risk. 35:30 EP419 with Andreas Mang. Recent past interviews: Click a guest's name for their latest RHV episode! Dr Siva and Dr Monica Lypson, Betsy Seals, Patrick Nelli, Lee Lewis, Stacey Richter with 15 experts (EP507), Jerry DiMaso, Dr Ahilan Sivaganesan, Ryan Jacobs  

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

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

JACK TOWNSEND- HMO king of the midlands takes us through his journey through BTLS, HMOs, new-builds and large commercial-to-residential schemes. Jack's journey is sure to educate and inspire…..

Campaigners in Cambridge are calling for tighter controls on Houses in Multiple Occupation — known as HMOs — arguing that some parts of the city are seeing too many family […]

Most people spend their lives chasing the next "big thing" in crypto or property, only to realize they're too late to the party. If I had to start my entire property journey again from scratch today, my strategy would look remarkably different than it did 25 years ago. This isn't about following a generic "passion"; it's about the clinical intersection of experience, personal skill, and cold, hard profitability. From why I'd steer clear of leaseholds and flats to the specific reason 50% leverage is the "sweet spot" for long-term survival, I'm breaking down the blueprint for a resilient, scalable portfolio. We dive deep into manufacturing value through forced appreciation, the hidden benefits of inflation on your debt, and the boring—but essential—daily habits that actually build wealth over decades. KEY TAKEAWAYS Prioritise Scalable Assets: Move toward small blocks, co-living, and high-end HMOs quickly to offset rising regulatory and management costs. Focus on Forced Appreciation: Don't rely on market growth; drive value yourself through refurbishments, conversions, and operational upgrades. The "Develop to Hold" Model: Avoid the "develop to sell" trap, which can lead to bankruptcy during market downturns when properties won't shift. Strategic Leverage: Maintain approximately 50% debt on a portfolio to balance the benefits of inflation-eroded debt with the safety of a low-leverage cushion. Reinvest and Restrict Spending: Harness compounding by reinvesting profits and never spending more than 5% of your total invested asset base. QUOTES "I like to be the contrarian. I like to buy things that are unloved and try and guess where the market is going to move next." "Developing is great, but having a purely developed to sell model is quite dangerous." "Manufacturing the value to offset the friction of those extra taxes and regulatory costs is important." "Wealth building is about developing yourself and developing a thousand daily habits." "Inflation has the inverse relationship on debt. It actually reduces debt. Inflation erodes debt." VALUABLE RESOURCES  ⁠https://www.youtube.com/user/progressiveproperty⁠ ⁠https://www.progressiveproperty.co.uk/the-progressive-co-founders/⁠ ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: ⁠https://www.linkedin.com/in/markhomer1⁠ Facebook: ⁠https://www.facebook.com/markprogressive⁠Twitter: ⁠https://twitter.com/markprogressive

It's time for your weekly dose of Ask Rob & Rob - let's get stuck into two new questions! (00:42) Fatai is looking to sell up, but with so much global uncertainty, is now really the right time? Rob B looks at what history tells us about timing the market during periods of instability. (04:35) David wants to jump straight into two student HMOs, but is it wise considering he's never ventured into this market before? Rob D explains why going all-in could backfire, and why taking a more measured approach might pay off. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest

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

With the first phase of the Renters' Right Act going live today, we talk to experts from across the industry about what the changes will mean – and what we can expect to see over the coming months. Topics on the table include the end of section 21 and the new possessions process –  including which grounds are likely to cause the biggest issues and the impact of new rules on everything from HMOs to dealing with pet requests. We also look at the biggest challenges – and potential pitfalls – for landlords navigating the new legislative landscape, the impact on the student sector and the way landlords interact with agents. We speak to James Wood, NRLA policy head of policy, who is responsible for the plethora of forms, documents and detailed guidance available on our Renters' Rights Hub. Also sharing their expert insight are Robin Stewart, partner in housing and property disputes at Anthony Gold Solicitors who address the legal implications of the new rules and Allison Thompson, chief lettings officer at national letting agency LRG. You can listen and watch the podcast via the NRLA website or your preferred streaming service. To watch the video, you will need to tune in on Spotify or watch on YouTube. If you enjoy the show, please spread the word on your social media channels using the hashtag #listenuplandlords. For all podcast enquiries email press@nrla.org.uk  ACCREDITATION: You can now pick up a CPD point to be used towards NRLA accreditation by listening to the podcast. To log your point, visit the accreditation dashboard in the 'Your Account' section of the NRLA website. Select 'Other' then 'NRLA Podcast' from the dropdown menu. To read a full transcript of the show click here:https://www.nrla.org.uk/news/listen-u... Listen Up Landlords is brought to you by the NRLA Hosted by: Ben Beadle & Richard Blanco Produced by: Sally Walmsley Video Production: Alexandra Southerington

What if the key to brain health, immunity and chronic disease isn't in the brain at all - but in the gut? In this episode, we explore human milk oligosaccharides (HMOs), powerful bioactive sugars in breast milk that shape the microbiome, regulate immune function and may influence conditions like Parkinson's, autism, IBD, food allergies, eczema and more. We dive into how these "molecular signals from nature" could redefine how we think about inflammation, development and disease with Alex Martinez. Lindsey Parsons, your host, helps clients solve gut issues and reverse autoimmune disease naturally. Take her quiz to see which stool or functional medicine test will help you find out what's wrong. She's a Certified Health Coach at High Desert Health in Tucson, Arizona. She coaches clients locally and nationwide. You can also follow Lindsey on Facebook, Tiktok, Instagram, Pinterest, Mastodon or X, or reach her via email at lindsey@highdeserthealthcoaching.com to set up your free 30-minute Gut Healing Breakthrough Session.  Show Notes

Send us Fan MailRent-to-rent is “dead” gets repeated so often it starts to sound like fact. We don't buy it. Mark Fitzgerald breaks down what's actually changing in the UK property market, why people are suddenly hyping back-to-back leasing, and what the Renters Rights Act chatter is really doing to investor confidence. If you've been weighing rent-to-rent, serviced accommodation, Airbnb, or HMOs, this conversation helps you separate strategy from noise and choose the right tool for the deal in front of you. We get specific about how back-to-back leasing works when the end tenant is a provider or charity connected to temporary accommodation, social housing, or supported living. Mark explains the “sit in the middle” model, why many providers want the landlord signing the lease, and how transparency can make or break the relationship. You'll also hear why forcing a deal after you've found a random property is a common trap, and why a provider-first approach often creates faster, cleaner matches.  The practical core is risk control. We talk provider due diligence, checking funding sources, looking for a solid operating history, and understanding what an FRI lease should cover so landlords are protected. We also touch on watertight lease agreements, break clauses, and the often-missed step of confirming mortgage conditions so nobody ends up in breach. The big takeaway: back-to-back leasing can be profitable, but only when you run it like a professional management business and keep the end user's needs in view.  If you found this useful, subscribe, share it with a landlord or investor friend, and leave a five-star review so more people can find the show.VALUABLE RESOURCES:Let me help you build your property business, Check out how I can support your investing now.Visit https://www.thepropertyunleashed.com/homeMy Property Investing Community called Property Education To Action,  This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com Apply here: thepropertyunleashed.com — click Inner Circle“Free Goal Setting Masterclass: Build Your Life In Five Days”“If you've enjoyed these episodes, leave us a five-star review”https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community.CONNECT WITH ME:Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/...

I det här avsnittet pratar Nana om den kraftiga ökningen av HMOs i Storbritannien, där licensansökningar har ökat med över 40% sedan 2018. Vi går igenom varför fler investerare söker sig till HMOs, men också de ökade riskerna .Vill du avgöra om fastighetsinvesteringar i Storbritannien är rätt för dig? www.miracle-academy.se/courses/grundkursVill ni gå med i vår mastermind (masterminden kräver tidigare utbildning eller erfarenhet) mm@miraclepropertiesltd.comVill du ta lära dig om HMO? Kolla in vår kurs inom det!https://www.miracle-academy.se/courses/hmoOm ni vill boka upp ett samtal med oss tryck på Calendly länken https://calendly.com/miraclepropertiesltd/15minMissade du vårt senaste nyhetsbrev? Se till att kolla in det för att hålla dig uppdaterad med de senaste nyheterna och händelserna inom fastighetsinvesteringar i UK.https://miraclepropertiesltd.us6.list-manage.com/subscribe?u=5b6248a33b48fa474db5c8976&id=bb104d26aeTack till alla som lyssnar, betygsätter och ställer frågor. Vi uppskattar er alla!Följ oss gärna

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/optin69htrmleIn this episode we sit down with Lorencia, an Assets for Life success story, to break down how she built a property cashflow business generating £21,600 profit per year from just 4 properties she doesn't even own.Lorencia shares how she went from working 12-hour healthcare shifts and feeling financially stuck, to building a rent-to-rent HMO portfolio that helped her move from full-time employment to part-time.Inside this episode, you'll discover:How Lorencia transitioned from healthcare into propertyWhy rent to rent was the right strategy for herHow she secured her first HMO dealWhat objections she faced from landlords and letting agentsHow she turned “no” into “yes”How her 4-property portfolio now produces £21,600 per yearHow property helped her create more time freedom and financial reliefIf you've ever felt stuck in a job, trapped by your schedule, or unsure where to start in property, this episode shows what is possible with the right strategy, support, and action.This is a real story of building cashflow through property investing, using rent to rent, HMOs, and consistent action.If this episode inspired you, make sure to like, comment, and subscribe for more real property success stories and practical training from Liam and the Assets for Life community.#PropertyInvesting #RentToRent #HMO #PropertyUK #Cashflow #FinancialFreedom #PassiveIncome #Entrepreneurship #BeyondTheHustle Hosted on Acast. See acast.com/privacy for more information.

Send us Fan MailThe property market in 2026 won't reward the loudest strategy. It'll reward the investor who can execute, manage cash flow, and stay disciplined when deals don't go to plan. We're sharing the three property investing strategies we believe are best positioned right now, plus the mindset and business systems that stop your portfolio from becoming an expensive “hobby.”We talk through what's actually working on the ground: value-led HMOs where you buy below market value and add value, service accommodation that moves toward bigger 3 to 4+ bed properties to escape saturation, and supportive living or social housing models that can deliver hands-off income through longer provider-backed leases. Along the way, we dig into deal flow, motivated sellers, and why your best opportunities come from real property problems you can solve ethically, not from forcing numbers to fit a dream spreadsheet.We also get practical about running property like a business. We cover why “the company's money isn't your money,” how Profit First can help you separate expenses, tax, and profit, and why VAT and tax planning matter for short-term rental operators. Then we close with a simple goal-setting framework you can use to pick one clear focus, set deadlines, and build daily disciplines that compound.If you found this useful, subscribe, share it with a property investor friend, and leave us a review so more people can find the show. What strategy are you focusing on for 2026?VALUABLE RESOURCES:Let me help you build your property business, Check out how I can support your investing now.Visit https://www.thepropertyunleashed.com/homeMy Property Investing Community called Property Education To Action,  This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com Apply here: thepropertyunleashed.com — click Inner Circle“Free Goal Setting Masterclass: Build Your Life In Five Days”“If you've enjoyed these episodes, leave us a five-star review”https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community.CONNECT WITH ME:Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/...

Join Dr. Siobhan McCormack as she welcomes one of the top early-life microbiome scientists in the field, Professor Chris Stewart. Discover the origins of your gut microbiome, the biological superpowers of breast milk, and how lab-grown "organoids" are uncovering surprising ways to protect preterm babies.What We Cover:The Genesis of You: How birth mode and early feeding shape our microbial foundations.Inside the Stewart Lab: Using lab-grown human "organoids" to study host-microbe interactions in real-time.The Magic of HMOs: Why mothers produce complex sugars (Human Milk Oligosaccharides) that feed gut microbes instead of the baby.The "Good" Clostridium: Groundbreaking research on a specific Clostridium perfringens strain that thrives on HMOs to protect preterm infants from gut diseases.Probiotics & Preemies: Navigating FDA regulations and the future of personalized medicine in neonatal care.About Professor Stewart leads human microbiome research at Newcastle University. His lab combines computational biology with innovative wet-lab human organoid models to study global health issues, focusing primarily on the early-life gut microbiome and protecting vulnerable infants.Connect with the Stewart Lab:Newcastle University ProfileGoogle ScholarTwitterNewcastle Neonatal Nutrition and NEC Research (N4)Scientific References & Further Reading:Stewart CJ, et al. (2018). Temporal development of the gut microbiome in early childhood from the TEDDY study. Nature, 562(7728):583–8.Chapman JA, et al. (2026). Clostridia from preterm infants metabolize human milk oligosaccharides to suppress pathobionts and modulate intestinal function in organoids. Nat Microbiol, 1–20.Masi AC, et al. (2021). Human milk oligosaccharide DSLNT and gut microbiome in preterm infants predicts necrotising enterocolitis. Gut, 70(12):2273–82.Beck LC, et al. (2022). Strain-specific impacts of probiotics are a significant driver of gut microbiome development in very preterm infants. Nat Microbiol, 7(10):1525–35.UNICEF UK: Breastfeeding in the UKThis podcast is brought to you in collaboration with the British Society of Lifestyle Medicine.Disclaimer:The content in this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your doctor or qualified healthcare provider. Never disregard professional medical advice or delay in seeking it because of something you have heard on this podcast.

#283Big changes are coming for UK landlords with the Renters Rights Act.No more 'no fault evictions'Stricter rules around rent increases,Serious fines for non-compliance. If you want to avoid costly mistakes, you need to act now: Review your tenancies, Check your insurance, And always serve the right notices, because even a small slip could wipe out years of profits. Student HMOs? New rules mean more risk, so get specialist advice and rethink your strategy. Remember, in every challenge there's opportunity—if you stay informed and adapt, you can still win in the new property landscape.Des Taylor from Landlord Defence is back for the second week running to provide a Renters' Rights Act roadmap.The government's information sheet on the Renters' Rights Act.Our WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupWe discuss:Renters Rights Act impacts all UK Property landlordsSection 13 Form 4A: New rent increase processRent increase tribunal delays up to 12 months possibleBackdated rent increases no longer permitted for UK landlordsTenant challenges to rent increases explainedFinancial penalties for non-compliance in UK PropertyProperty repossession rules change under new regulationsEnd of no-fault evictions in UK Property marketUsing Section 8 grounds for UK Property repossessionSelling UK Property with tenants: new complicationsGround 1A eviction intricacies for UK landlordsStudent HMO joint tenancy risks post-legislationPets in UK rental properties: new reasonable refusal rulesInsurance requirements for UK Property landlords updatedBuying UK Property with tenants in situ: pros and consPenalties for invalid notices in UK rental sectorCompliance checks critical for UK landlords post-2026Opportunities amid UK landlord market exitsImportance of seeking specialist advice for UK PropertyStrategic advice for UK expat property investorsKeywordsUK property, UK property investment, UK property market, UK landlord, Secondary Keywords, Renters Rights Act UK, Section 13 rent increase, Section 8 eviction UK, Assured shorthold tenancy, Rent increase notice UK, No fault eviction UK, HMO landlord UK, Buy to let UK, UK property compliance, Property fines UK, Tenant notice UK, UK property insurance, Long-Tail Keywords, How to increase rent legally in the UK, Renters Rights Act impact on landlords, Buying property with tenants in situ UK, Risks of student HMO in the UK, Serving notice to tenants in UK property, UK property repossession new rules, Opportunity in UK buy to let 2026, Section 13 Form 4A guidance, Financial penalties for UK landlords, Compliance for UK expat landlords, Eviction rules for UK overseas landlords, Rent guarantee insurance for UK landlords, Changes to letting HMOs after Renters Rights Act, How to handle pets in UK HMOs, Penalties for inval

In today's episode, we're diving into one of the most important and most misunderstood parts of HMO investing: valuations and revaluations.Now, if you're buying HMOs, adding value, and relying on pulling your money back out to go again, then your valuation at the end of a deal is absolutely critical. It's what determines how much capital you've got to reinvest and ultimately how quickly you can scale.But here's the problem… I see so many investors doing good deals, adding genuine value, and still not getting the valuation they expected. And equally, I see people expecting results that just aren't supported by the work they've done or the data in the market.In this episode, I break down exactly what drives HMO valuations, how lenders and valuers actually look at your property, and most importantly, what you can do to put yourself in the best possible position to get the result you need.

What if losing your job was actually the beginning of everything?For so many women, the idea of getting into property feels overwhelming, too complex, too expensive, too much to figure out while you're already juggling everything else. But what if the biggest leap you ever took started not from a place of confidence, but from necessity?In this episode of Girls in Property I'm joined by Amanda Woodward, a seasoned property investor and manager with over 15 years of experience, who went from redundancy in 2010 to building a diversified portfolio that's stood the test of time and life.Amanda gets honest about what it really takes to start and scale in property management. She talks about her very first deal in Stoke-on-Trent, what hunger and action taught her that no course ever could, and why knowing when to pivot, from HMOs to serviced accommodation to larger developments has been one of her greatest business assets. Because strategy isn't about picking one lane and staying in it forever. It's about reading the road and being willing to change direction.We also get into the practical stuff how to set up a property management business even with limited funds, why outsourcing and systemisation aren't luxuries but survival tools, and how AI and technology are quietly transforming the way property portfolios are run. Not just theory. Real, actionable steps you can take right now.And for the women listening who are doing all of it, the job, the family, the ambition. Amanda speaks directly to you. She shares her own experience of balancing motherhood, a career, and building something of her own, and why celebrating your progress (not just your destination) is what keeps the momentum alive.If you've been waiting for a sign to start, to scale, or to simply keep going, this is it.How to Get Involved With The Girls in Property 

Send us Fan MailBuying property below market value sounds simple until you try to fund it and every lender insists the “value” is whatever you paid. We sit down with property finance expert and active investor Rob Peters to unpack the real-world funding moves that let you secure BMV deals without automatically chasing joint ventures or handing the opportunity to cash buyers.We walk through a specialist straight-to-mortgage approach that can reduce the deposit to around 10% when the discount is genuine, plus the key trade-off: higher rates and fees that can still be worth it if your goal is to acquire assets quickly and stack equity in your portfolio. Rob explains what lenders need to see, why the backstory matters (auction, retiring landlord, fast sale), and how to sanity-check the “at least 25% below open market value” rule before you get emotionally attached to a deal.Then we get nerdy in the best way: valuation strategy. Rob breaks down why HMOs can be valued commercially based on rental income, why MUFBs can be valued using aggregate value instead of block yield, and what criteria make those valuations believable to surveyors and lenders. Finally, we cover day one remortgage and bridging loan setups designed to break the purchase chain so you can pull equity out fast and keep investing with momentum.If you're serious about UK property investing, creative finance, bridging loans, buy to let mortgages, HMO finance, and MUFB funding, you'll want notes for this one. Subscribe, share this with a property investor friend, and leave a review with the finance question you want us to tackle next.VALUABLE RESOURCES:Let me help you build your property business, Check out how I can support your investing now.Visit https://www.thepropertyunleashed.com/homeMy Property Investing Community called Property Education To Action,  This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com Apply here: thepropertyunleashed.com — click Inner Circle“Free Goal Setting Masterclass: Build Your Life In Five Days”“If you've enjoyed these episodes, leave us a five-star review”https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community.CONNECT WITH ME:Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/...

John Campbell presenting and discussing should Stormont plan for possible fuel shortages?

I sit down with Neil and Matt Baldock to explore why HMOs get a bad rap, how agents often overlook them, and why they could be a profitable, untapped opportunity in property.

Send us Fan MailIf you've been telling yourself you'll take action once you feel “ready”, this conversation will hit a nerve. I'm joined by transformational coach and property investor James Wyatt, and we go straight at the hidden blockers that stop smart people from doing deals, building confidence, and following through on the goals they say they want.James shares the mindset principles behind what he calls an “impossible start” and why real progress often requires a point of no return. We talk about building a clear vision for your ideal life, why your environment and your circle matter more than you think, and how a strong community can pull you out of hesitation. Along the way, James brings in unforgettable stories and metaphors, including the idea that you should treat your body like a “million-pound racehorse” if you want consistent results in real estate investing.You'll also get James's practical MINDSET framework: daily energy and self-care habits, intuition and clarity for decision-making, networking tactics like speaking to the speaker, 100% commitment to kill decision fatigue, plus systems and standardization so your property business can scale.Whether you're focused on buy-to-lets, HMOs, rent to rent, service accommodation, or commercial to residential projects, the through-line is the same: remove limiting beliefs, move with intention, and execute with consistency.If this helps, subscribe to the podcast, share it with a friend who's stuck, and leave a review telling us which mindset shift you're taking into your next deal.VALUABLE RESOURCES:Let me help you build your property business, Check out how I can support your investing now.Visit https://www.thepropertyunleashed.com/homeMy Property Investing Community called Property Education To Action,  This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com Apply here: thepropertyunleashed.com — click Inner Circle“Free Goal Setting Masterclass: Build Your Life In Five Days”“If you've enjoyed these episodes, leave us a five-star review”https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community.CONNECT WITH ME:Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/...

John Campbell is in the presenter's chair and also asks have we become too dog friendly?

Today we're joined by property investor Kristina Castellina—known for her honest, down-to-earth, and engaging approach to property.A former professional singer turned investor, author, and entrepreneur, Kristina has built a multi-million-pound portfolio from scratch, acquiring over 30 properties using creative finance strategies.Alongside her property journey, she's also a dedicated mum of two, balancing family life with building and scaling her business.From buy-to-lets and HMOs to serviced accommodation, mixed-use developments, and flips, Kristina brings real, hands-on experience across multiple strategies—sharing both the wins and the challenges along the way.Now the owner of Empress Hall, she's passionate about helping others get started and grow—especially when it comes to raising private finance and building confidence in property.

#278The second of our monthly reviews of what's going on in the world of UK Property auctions, featuring Jay Howard from Hammered AuctionsThis month's Auction Update presents a fascinating glimpse into how geopolitical factors are affecting energy prices and therefore interest rates which in turn are impacting the property market.This creates not just risk but also opportunity.The three headline asset classes discussed this month are:HMOs (Houses of Multiple Occupancy)FlatsCommercial PropertyListen to see how it all fits together and how you can benefit.Our 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 GroupIn this episode:March UK Property Auctions Outperform Previous YearGeopolitical Events Impact UK Property MarketEnergy Prices Influence UK Property Interest RatesHMOs Face Challenges in UK Property AuctionsBills Included HMOs Hit by Rising Energy CostsUK Auction Success Rates: Decoding the True NumbersFlats Struggle in the UK Property MarketLeasehold and Service Charges Affect UK FlatsGovernment Legislation Uncertainty Impacts UK FlatsCommercial Mixed Use UK Properties Face StagnationInterest Rates Remain Flat in UK Property SectorYield vs. Value: UK Commercial Property ExplainedVacant Commercial UK Properties Offer OpportunitiesThree Categories of UK Commercial Sellers IdentifiedValue Erosion in UK Commercial Assets DiscussedLong-term Investors Can Benefit in UK Commercial MarketPension Funds Look to UK Commercial Income StabilityExit Opportunities for UK Residential LandlordsAuction Market Captures UK Property Trends QuicklyMonitoring Operational Costs Key for UK HMO SuccessKeywordsUK property, UK property auction, UK property market, UK property investment, UK auction properties, Property auctions UK, UK housing market trends, UK property opportunities, UK auction results, HMO property UK, Buy-to-let UK, Mixed use property UK, UK commercial property, UK property yields, Flats UK market, How interest rates affect UK property auctions, Best months for UK property auctions, Investing in UK HMO properties, Risks and opportunities in UK property auctions, UK property auction success rates, Commercial property opportunities in the UK, Challenges of buying UK flats at auction, Impact of energy prices on UK HMO investments, Geopolitical factors affecting UK property market, Yield compression in UK commercial property, Capital values in UK auction property sector, Exiting residential buy-to-let for commercial UK property

In this episode of the Scottish Property Podcast, Nick is joined by Jordan Rob, a long-term property investor who built his portfolio from the age of 19 and has spent over 15 years growing, refining, and diversifying his investments.Jordan shares how he started with a small pot of capital and scaled into a substantial buy-to-let portfolio, while also exploring flips, HMOs, and alternative investments. The conversation dives into risk management, long-term thinking, and how his strategy has evolved from aggressive growth to capital preservation and diversification.This episode is a powerful insight into building wealth through property over the long term — without hype, but through consistency, smart decision-making, and adapting as life and markets change.

Key Topics Covered: 1. Design as Custodianship, Not Decoration Julian explains that design is about how a property works, not just how it looks in photos. He links design to long term wealth planning: like pensions, it's too important to leave entirely in someone else's hands. The goal is performance over years: easy lettings, happy tenants, fewer repairs, and a product that holds value. 2. The Big Mindset Shift: Property Is a Business and a Product Julian challenges the word “investment” and suggests landlords are really buying a business. Each property is a living, breathing product that gets used, abused, and needs managing. If you don't treat it like a business, it can quietly become a liability over five to ten years. 3. How Properties Become Liabilities Over Time Poor design and poor maintenance create a snowball effect: worse condition attracts worse tenants, which accelerates deterioration. Julian shares examples of developments becoming hard to sell or even “unmortgageable” due to maintenance and management issues. Legacy matters: many children don't want property, so dumping a problematic asset onto them creates stress, not wealth. 4. Why You Can't Abdicate Design to Architects and Builders Plans can pass planning and building regs but still be awful to live in. Common issues include impractical layouts, no storage, poor kitchen design, and bathrooms that don't function properly. Julian introduces the “good, fast, cheap” triangle: you can pick two, but not all three, and landlords pay the price later if they chase cheap and fast. 5. Practical Design Thinking for HMOs and High Use Properties In HMOs, the room is the tenant's home, so it must support multiple functions, not just sleep. Flow matters: kitchens, waste, smells, and shared spaces can make or break tenant experience and long term value. Lighting and electrics are often done to a builder's default spec, but that can create uncomfortable living and higher churn. 6. Serviced Accommodation Is an Experience Business Short stay guests want something boutique and memorable, not copy and paste. Julian recommends living in your serviced accommodation for a week to spot friction points: heating controls, WiFi, TV, keys, lighting, and usability. Service quality affects reviews, and reviews affect profitability. He references research suggesting superhost status can significantly lift margins. 7. The Commercial Upside: Small Design Changes, Big Profit and Value Gains Julian shares an example where improving presentation helped increase rent by £150 per month, which translated into a major profit uplift. He highlights how many landlords don't know their true profit margin, and confuse turnover with profit. Improving existing assets often delivers faster ROI than buying new ones, especially if older stock is dragging performance down. 8. How Julian Helps Investors: Training and Hands On Support Julian trains investors to become “design aware” and “design led” without needing to be designers. He offers remote consults (including Zoom based reviews), layout planning, electrical plans, materials specs, and project support via WhatsApp. His core message: be involved, be informed, and take control of the decisions that shape income and maintenance. Actionable Takeaways Treat each property like a business product, not a passive investment. Design for performance: durability, usability, flow, and maintenance, not just photos. Don't assume architects and builders will design a home that works, review layouts with real living in mind. Audit your existing portfolio before buying more, older assets may be dragging your returns down. Know your numbers: profit margin, not just rent, and understand how small rent uplifts can multiply profit. For serviced accommodation, test the experience yourself and tighten service, reviews drive revenue. Adopt the custodian mindset: build assets your children would actually want to inherit. Resources & Next Steps Icon Living UK: The creation of living spaces that people love and enjoy Julian Maurice: julian@iconliving.co.uk Download our FREE Pensions and Inheritance Tax Guide WealthBuilders Membership: Free access to guides, webinars, and community Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding 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!

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ For property businesses, 2026 is a noisy year – shiny regeneration schemes, hot new coins, “next big thing” strategies are everywhere, so deciding which direction to go in, is very difficult. Today, Mark cuts through that noise by answering the question he gets asked most: If he had to start again from scratch today, what would he actually do?   He breaks down why he'd still buy simple single lets, move quickly into higher‑end HMOs and blocks, avoid the fads, and use development, debt, and daily habits to build a safer, scalable, more profitable portfolio that survives all kinds of regulation, tax, and market cycles. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS Blend what you already know, what you're good at and what you enjoy - but make sure every strategy and deal is ruthlessly profitable.   Ignore the shiny penny stuff. Buy unloved assets in real demand areas, force the value through refurb, conversions, and better operations, then hold them.   Leverage the efficiency of owning and running larger assets e.g. a block of flats, HMOs, or co-living spaces. Carry on learning, networking, and improving efficiency. Spread your income across different assets, areas, and deal types, so when tax, regulation, or the market changes negatively for one sector, the rest of your portfolio keeps you afloat.  Build your track record first with smaller wins you can document, then use that evidence to raise JV and private capital on better terms.   Take on sensible debt to build up good assets, let inflation erode that debt, but don´t borrow so much that a downturn can wipe you out.  Take full advantage of the impact of compounding interest. BEST MOMENTS  "Lots of people say, Oh, you just need to follow your passion and follow your dreams. Well, I don't think it's quite that simple."  "Ignore all of the shiny Penny regeneration programmes in property."  "Over the long run, it means that you can't fail, and you'll get richer and richer."  "Too many people think that wealth building is all about finding that one thing that will make you rich. The reality is that it is about developing yourself and developing 1000 daily habits."   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/

Simon examines the critical importance of discipline in property investing through the mantra, "Don't break your own rules."  He shares personal anecdotes of turning down lucrative-looking deals—including a large portfolio option and a hotel—because they failed to meet his specific criteria, such as a 50% return on investment within two years. He warns against the property hamster wheel, where investors continuously chase the buzz of new deals without stopping to enjoy the financial freedom they have already built. KEY TAKEAWAYS Successful investing requires clear parameters—such as specific cash flow requirements or return on investment (ROI) percentages—to ensure you only engage in truly "great" deals. Look for a 50% return on investment within two years when dealing with property options, ensuring the initial capital is recovered quickly. Even experienced investors can be tempted by creative financing or unique assets (like hotels), but if the project adds excessive noise or time-demands without meeting core rules, it should be rejected. Most investors only need three to five properties (like HMOs or SAs) to replace their basic income BEST MOMENTS "I see too many people buying properties that are not great deals... maybe they're not clear on what makes a good deal for them, and I want to make sure you avoid that mistake." "Am I just doing this because I can do it, rather than I'm doing it because it's a great deal? That's a trap I see many property investors fall into." "The reason I invest in property... is not because we're passionate about property; it's because we're passionate about what property can do for you." "The reason most people don't achieve their goals is, frankly, they don't put enough time and effort in to achieve what they say they want to achieve because they've not made it important enough." 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/

In today's Sugar Crush, Dr. Rick Jacoby and I unpacked diabetic ulcers-why sugar turns your foot into a hypoxic swamp, how ancient battlefield membranes are now off-the-shelf miracles at Quadratus, and why Medicare finally pays while HMOs stall like lazy rafts. From Sushruta grafting cheeks in 600 BC, to amniotic tissue kickstarting angiogenesis without stitches, we tied it all to the estuary: clean the upstream-diet, glyphosate, light-and the wound closes. Bottom line: call qstemcells.com before your leg becomes lobbyist fodder

In this episode of 'This Property Life', hosts Nick and Caroline Claydon delve into the 1% rule of property investment, a crucial guideline for investors to ensure they are making sound financial decisions. They explain how the rule serves as a sense check for determining whether a property is worth pursuing based on its rental income relative to its purchase price. The conversation covers practical applications of the rule, real-life examples, and the importance of understanding property types and locations. They also discuss the limitations of the 1% rule, particularly in relation to more advanced investment strategies, and emphasize the need for a mindset shift from focusing on purchase prices to rental income. The episode concludes with insights on scaling property investments and the significance of buying at a discount to maximize cash flow.Keywords1% rule, property investment, cash flow, buy to let, rental income, property types, investment strategy, yield, ROI, property marketTakeawaysThe 1% rule is a crucial tool for property investors.Monthly rent should equal about 1% of the purchase price.The rule helps prevent overpaying for properties.Understanding property types is essential for investment success.Investing in areas outside your immediate location can yield better results.The 1% rule is not applicable for advanced strategies like HMOs.Scaling investments is important for building a portfolio.Focus on rental income rather than purchase price.Buying at a discount allows for added value and cash flow.The numbers in property investment are black and white.Sound Bites"The 1% rule is a fail-safe tool.""It stops you overpaying.""Invest not near you."

Dr. Deb Muth 0:03Today’s guest is someone I’m honored to call both a friend and a mentor, and one of the most trusted voices in medicine for patients with complex chronic illness. Dr. Neal Nathan is a board certified family physician who has spent decades caring for patients who don’t fit neatly into diagnostic boxes. Patients with mold related illnesses, Lyme disease, mast cell activation, and profound nervous system dysregulation. These are the patients who are often told their labs are normal and their symptoms are anxiety or that nothing more can be done. Instead of dismissing them, Dr. Nathan listened and he asked better questions. His work, including his landmark book, Toxic, has helped thousands of people finally feel seen, believed, and understood, and more importantly, has given them a path forward when medicine failed them. This conversation is for anyone who reacts to supplements or medications, for anyone who has gotten worse instead of better with treatment, and for anyone who knows their body that something deeper is going on, even if they’ve been told otherwise. Dr. Nathan, I’m deeply grateful for your mentorship, your integrity, and the way you continue to advocate for the most vulnerable patients. I’m so glad to have you here today. And before we begin, grab a cup of coffee, tea, or whatever grounds you, because this is the conversation you’ll want to settle into. Now, before we go onto this conversation, we need to hear from our sponsors. So give us just a quick moment and then Dr. Nathan and I are going to dive in to his story and how this all started for him and leave you with some nuggets of wisdom that you can help yourself with. Ladies, it’s time to reignite your vitality. Primal Queen supplements are clean, powerful formulas made for women like you who want balance, strength, and energy that lasts. Get 25% off@primalqueen.com Serenity Health that’s PrimalQueen.com Serenity Health because every queen deserves to feel in her prime the right places and then we can get started. All right? So, Dr. Nathan, like I said, I’m so excited to have you here today. Tell us a little bit about how did you start your career? Because you didn’t intend to work with the most complex and sensitive patients, I’m sure when you started out. But what did you notice early on that made you realize medicine was missing something? Neil Nathan MD3:03You know, Deb, actually, I did start out wanting to work with the most complicated cases. My delusional fantasy when I started was I wanted to help every single person who walked into my office. And so when I left medical school, I realized pretty quickly that the tools that I learned there were not adequate to do That I needed to learn more. So I started on a passionate journey of discovery, if you will, in which I started studying with anyone who had anything interesting about healing to talk about. And I want to emphasize that I was interested in healing, not in what I’ll call medical technology. So medical school taught me to be a good medical technologist, but it didn’t teach me about healing. I graduated a long time ago. I graduated from Medical School in 1971. And the word holistic wasn’t even a word back in those days, but that’s what I was looking for over many, many years. I studied osteopathic manipulation, homeopathy, therapeutic touch, emotional release techniques, hypnosis. If it’s weird, I probably have studied it at some point. I wasted some weekends studying things that I don’t think were particularly valuable. And I’ve had some remarkable experiences with true healers that taught me how to expand my understanding of what healing really meant. So early on, when I first started practice, I would invite my colleagues to send me their most complicated patients because that was my learning. That makes me weird. I know that. I love some problem solving. You know, I’m the kind of person who I get up in the morning and I do all of the New York Times kinds of puzzles. That’s. That’s my brain wake up call. So actually I did invite my colleagues to send me their complicated patients, and they did. So, I mean, they were thrilled to have me in the community because these were people they didn’t know what to do with. And I was happy as a clam with all these complicated things that I had no idea what to do with. But it pushed me to keep learning more, to keep searching for this person’s answer. And this person’s answer, that constant question is, what am I missing? What is it that I don’t know or understand? What questions am I not asking this person that would help me to figure it out? So sorry for the long winded digression. Dr. Deb Muth 6:14No, I’m glad you shared that. I’m very similar to you. I didn’t seek out working with the most complex, but as I started that, I was always very curious as well. So I was the same as you. Every weekend I would learn something and hypnosis and naturopathic medicine, homeopathy, and all these quote unquote weird things, right? And there’s always a pearl that you learn from something. You never not learn anything, but some of it, you kind of take or leave or integrate or not. And, and I think it, it makes you a better Practitioner, because you have all these tools in your toolbox for helping people that nobody else has been able to help. And. And it’s just kind of fun learning. I mean, I’m kind of a geek that way too. I like to learn all those things. Neil Nathan MD7:00Learning is my passion. One of my greatest joys in life is going to a medical meeting and getting a pearl. Literally. I’m not one of these people at medical meetings that have a computer in front of me listening. And I have a pad of paper and I’m writing down ideas next to people that I’m working with. So that, oh, let’s bring this up for these people. Let’s bring this up for these people. So it’s like, oh, great. Can’t get right back to the office on Monday so I can start, have some new ideas about what I’m missing. Dr. Deb Muth 7:38Yeah, I do the same thing. I have my pad of paper and I do the same thing. And as I hear something, I’m thinking about a person that’s in my office that I haven’t been able to help, or we’ve been stuck on something, and I’m like, oh, there’s a new thing we can try. And it’s so exciting. I love that. Let me ask you this. Was there a time when you finally thought, like, if I don’t listen to these patients differently, they might not ever get better? Neil Nathan MD8:04That’s a very complicated question. The people that I was treating that weren’t getting better were the ones that got my greatest attention. And one of the questions that constantly troubled me still does is, is this person not getting better because of some feature of themselves, or is it because of something that I don’t know? So I’ve wrestled with that for a very long time. My answer to it now is, For a long time, I’ve been able to see what I will call the light in a person. Call it a healing spark and energy. It isn’t truly light. There’s just something about that person when I work with them where I know this person will get well if I stick with them long enough. And then when I don’t get that, I don’t think I’ve helped any of those people over the years. Yeah, so it was a very long process of really not helping people for five years daily. And I would. I would ask those patients, I would say, you know, I haven’t helped you. We’ve been doing this for a very long time. Why are you still here? And they would say, because you care. And I would. Back when I was Younger, that was enough for me to go. That’s true. Okay, I’ll keep working at it. But as I’ve gotten older, caring isn’t enough. It’s. I’m not sure I’m the right person for you. And so as I’ve gotten older, when I don’t see that spark, when I don’t get that sense of someone, I’m more inclined early on in the relationship to tell them I’m not the right person for you. Yeah, you know, see if you can find someone else who can understand what you’re going through and help you. Because I, I’m not it. Dr. Deb Muth 10:16Yeah, you, you kind of know that you can help them or not. Yeah. Neil Nathan MD10:21I don’t know how to define that sense, but it’s very clear to me. I call it like seeing the inner light of another being. If it’s not there, and maybe it’s not there for me to see as opposed to someone else can see it. Dr. Deb Muth 10:41That’s interesting. So you’re known for working with patients who are highly reactive. They don’t tolerate supplements, a lot of times medications, or even some of your most gentlest protocols. Why are these patients so often misunderstood? Neil Nathan MD 10:59Because they appear to their family and to many other physicians to be so sensitive that the thought process of families and other physicians is often. Nobody’s that sensitive. This has got to be in your head. And that is what is conveyed to those patients. And they’re told it’s gotta be in your head. Go see a psychiatrist or a therapist. But I can’t help you. And unfortunately, we have learned in the last 20 years a great deal about, is making our patients so sensitive. It is a true reaction of their nervous system and immune system, and it is in response to various medical conditions they have. So again, as we’ve been talking about, those were the people that got sent to me for many years. And I, I have never believed that the majority of any. Anything that someone has experienced is in their head. Yeah, Almost everything I look at is real. I may not understand what is causing it, but for me, doubting a patient’s experience is not something I’ve ever done. And that’s what’s helped fuel what I’ve learned and what you learned over the year. That, okay, if this is real, and it is, I’m sure it is, the person in front of me looks like a straight shooter. They’re not hyper reactive. They’re not going off the deep end talking about it and talking about it very straightforwardly. And I’ve got these symptoms. I’VE got this, I’ve got this. And it’s really making my life miserable. Okay, what’s causing that? So I began to work with what we now call very sensitive patients and figuring out what caused that. So over the years, I think we have names for this in medicine. Sometimes we call this multiple chemical sensitivity. People who will go to be walking down the street and someone will walk past them wearing a particular scent or perfume and they will literally fall to the ground or go brain dead or can’t think straight or even have some neurological symptoms. And I’ve seen that happen in my office. I’ve seen patients walking down the hall and having a staff member who had washed their clothes and tied walk past them. And I literally watched them fall on the floor. And it’s like, this is not psychological. This is someone who is reacting to the chemical that they are being exposed to and this is the effect it’s having on them. And so eventually it became clear that all forms of sensitivity, sensitivity to light, sound, chemicals, smells, food, EMFs, touch, were really being triggered by a limbic system that was unhappy. We began to learn about limbic issues before that. Give you a short history of it. I have discovered something called low dose immunotherapy different by Butch Schrader. And there was a long three year period of if someone stuck with it. If I used those materials over time, a lot of my chemically sensitive people would get better. It was the only tool I had back then. Dr. Deb Muth 14:41Yeah. Neil Nathan MD 14:42)Then, I don’t know, 15 years ago I discovered Annie Hopper’s work with dynamic neural retraining. And when I added that to what people were doing, that’s when I had my, ah, this is an Olympic system issue. And this is something we can reboot. And since then, many other people have limbic rebooting programs which are quite excellent and useful. Now I helped a lot of people at that point and it wasn’t until I stumbled on Stephen Porges work with the vagal system with this concept of polyvagal theory that I realized that the two areas of the brain that are monitoring that person’s environment, internal and external, for safety, are the limbic and the vagal systems combined. So when I started adding vagal strategies to the limbic strategies, I helped even more people. And then the first, the third piece of this trifecta was 2016 when Larry Afron wrote his book Don’t Never Bet Against Occam, in which he began our understanding of mast cell activation. And when I read his book, it was like, oh, big piece of the puzzle. And then we realized that those three things. And there’s more, but those three things were treated, Would help the vast majority of our sensitive patients regain their health and regain their equilibrium. This is not psychological. This is really treatable. Dr. Deb Muth 16:19Yeah, I’ve noticed the same thing in my practice and followed very similar paths. As you started out with ldi and lda, and then the vagus nerve things have been by far. I think if I look back, the vagus nerve work has been the biggest changer in our practice as well. I mean, all of the things help, but, like, I can give somebody a vagus nerve stimulator today, and within 30 days, 90% of their symptoms are better. And that just kind of blows my mind. It’s like I’ve never had a tool in my toolbox that has worked that well and that quickly. So. So it really is making a big difference. And I, too, was trained way back in the late 90s with multiple chemical sensitivity people. And some of those clients that I inherited from my mentor are still around. And, you know, they still can’t function at all. They’re wearing gas masks. They can’t leave their house. You know, any smells that even come in without them opening the windows, they are stuck. And no matter what you do, it’s just a challenge. Nothing works for them. And it’s a very sad life that they have to live. Neil Nathan MD 17:30Well, let’s add to that story that you can give people limbic vagal and mast cell treatments, and it’ll really work well to help them, but you need to look deeper, which is what is causing mass cell issues. And in my experience, mold toxicity is by far the number one and various components of lyme disease is a second one, and then a variety of other environmental toxins, infections, and things like that may trigger for some, but you’ve got to go back and get to the cause or else. Dr. Deb Muth 18:12Yeah, nothing works. Neil Nathan MD 18:13You can make them better, but you can’t really get them. Well, you get rid of the cause, and people can completely differently life back. Dr. Deb Muth (18:20-18:21)Yeah. Neil Nathan MD 18:22One of my frustrations with the mast cell world is after Larry efferent’s book came out, it changed people’s consciousness about mast cell activation. Something genetically rare to something which we now know. It affects 17% of the population, so not rare at all. But the clinics that are popping up to do it, and now in every major medical center of the country has a mast cell clinic. But number one, they rely completely on testing to make the diagnosis, and testing is notoriously inaccurate. And second, they just aren’t aware that you gotta get cause. So they’re helping people, but they’re not curing people because they’re not looking for cause. Dr. Deb Muth 19:13Yeah. And if they’re helping people, it’s on a minimal level, in my experience. They’re. You know, most of the patients that we see that have been at those clinics have been dismissed. Once again, told that because the testing isn’t positive and they’ve only done it once, that they don’t have this. But yet they fit all of the pictures. And then when you start digging, you start realizing they really do have mast cell, and. And you can find the answers for it for them. Neil Nathan MD 19:40Yeah. Dr. Deb Muth 19:41Why do you think mold remains so unrecognized in conventional medicine? Neil Nathan MD 19:48Interesting question. You know, I started writing a book chapter on the history of mold toxicity, our understanding of mold toxicity. And it’s. It’s fascinating to me. The mold toxicity is described in the Bible as a fairly long passage in Leviticus where it talks about that. So it’s not like it’s unknown to the universe, but largely, it’s remained undiscussed. Most people are aware of mold allergy. We’ve been treating mold allergy for decades. That we accept fully. I think the answer to your question lies in history a little bit. And I didn’t know this until I started kind of digging into it. There was an episode in the 70s in which a large number of school children in Cleveland, Ohio, got sick, and public health authorities attributed it to mold. About a year or two later, it was discovered that they. The H VAC system in the school had Legionella. Legionnaires disease. And it was then decided that, no, it wasn’t mold, it was legionnaires. And then a number of articles began appearing in the medical journals. Their names were literally mold. The hoax of mold toxicity. And that consciousness pervaded for 20, 30 years where people were reading these articles in which they were being told that mold toxicity was a hoax. That’s a strong word. And it took papers after papers after papers published in all kinds of medical journals, which were began to say, this is very real. This is symptoms that. That we see. It wasn’t until 2003, when Michael Gray and his team published a series of papers showing that these widespread symptoms, which we now recognize as mold toxicity, was real and directly attributed to mold. Now, keep in mind, we didn’t even have a test for mold at that point. Dr. Deb Muth 22:10Right. Neil Nathan MD 22:12So you could say this is mold toxin, because this person was. Well, they went into a moldy environment, they got sick, they went out of the moldy environment. They got well again, but we didn’t have treatments. We didn’t have a test for it. Historically, people were suspicious. Not very scientific. 2005, Richard Shoemaker wrote his book mole warriors, which really began to popularize the concept of this was a real thing. And in it, Ritchie talked about his markers and the visual contrast test. Now, these were not specific for mold, but they strongly, at least implicated that. Now, we had a test that could be helpful. So it wasn’t really until about 2010 that the first urine mycotoxin test came on the market. And at that point, we. We really could tell a person, you’ve got these symptoms, you’ve been living in mold. And now we have a test that shows you have mycotoxins in your urine. Now, it’s not like it’s a theory. It’s coming out of your body. That has furthered it, but not yet in the consciousness of the medical profession at large. As I’m sure you know, the history of medicine, in fact, the history of science, is that new ideas take 20 plus years to really be accepted by the profession. A new drug, a new technology is accepted very quickly because there’s an economic push to it. There’s no economic push to a new idea. So we’re still in the throes of some of us who work in the field. People say there’s no published data that really prove that this exists. And we’re working on that. As you know, we’re working on getting the papers published, but again, working on this history of molotoxism, There are actually hundreds and hundreds and hundreds of papers in the medical literature which really attest to the fact that this is a reality. It’s just that you and I are the only ones reading these papers. Dr. Deb Muth 24:33Yeah, we’re the only ones that care. Yeah. What would acknowledging mold actually forced medicine and the institutions to confront? Neil Nathan MD 24:44First of all, many medical offices and. Dr. Deb Muth 24:47Hospitals are molding, very much so. Neil Nathan MD 24:51And nobody wants to deal with that. It’s expensive. It’s difficult to truly get mold out of a building when it’s there. And so there’s a huge economic push to not acknowledge mold toxicity as an entity. The whole building industry doesn’t want to deal with it. Yes. It is estimated by the federal government that 47% of all molds have visible or smellable mold in them. It’s not like it’s rare. Not everyone’s going to get sick from it. But if your immune system takes a hit from anything and it loses containment over that mold, then you will take a hit from it. And it is also estimated that at least at this moment, 10 million Americans are suffering with some degree of mold toxicity and don’t even have a clue that that’s a real thing and that it can be both diagnosed and treated successfully. Dr. Deb Muth 25:51Yeah, it’s so hard. Like so many of the patients that we see, mold is never on their radar when they come to us. You know, Lyme disease is never on their radar when they come to us. And many of our patients have both. And the argument of there’s no way I could have, you know, mold exposure until you start digging back into their history a little bit. And then they’ll say, well, yeah, grandma’s house smelled and you know, I live in a hundred year old house, but it’s been completely renovated. And until you start having these conversations and really talking about it, people don’t have a clue that these things could make them sick. Or they, you know, I have a lot of clients that renovate houses for a living or that’s, you know, their hobby. And they go in and they renovate these houses and they’ve never worn appropriate equipment to protect themselves and, and then they’re sick 10, 15 years later. But don’t really understand why. Neil Nathan MD 26:47Yeah, from my perspective, it’s about how robust the immune system is. Dr. Deb Muth 26:51Yeah. Neil Nathan MD 26:52That if your immune system is robust, and this is true for Lyme as well as molecules, you could be bitten by a tick, you may have a Lyme or a co infection of Lyme like Bartonella rubesia in your body, or you could be exposed to mold, you could be living in a moldy environment, and your immune system will allow you to function at a high level for a while if your immune system takes a hit. Now the hit recently, big time, was Covid that unmasked Lyme and mold for a lot of people and a lot of people who think they have long whole Covid really have unmasked that they have Lyme and mold toxicity. That’s a whole other subject here. But menopause, childbirth, surgical procedure, any severe infection, any intense emotional reaction, death of a loved one, any of these can weaken the immune system. And then what is already there is no longer contained and we are off to the races of severely impaired health. Dr. Deb Muth 28:02Yeah, that’s what it did for me. I got sick with COVID and maybe about six, eight months later, I started to express neurological symptoms that looked like Ms. And actually had the diagnosis of Ms. But knowing what I know, I said, you know what? Ms. Is something else. Until proven otherwise in my book. And so because I had the knowledge that I did, I went and did all the Lyme testing and the mold testing and hit the trifecta of everything. Lyme co infections, mold, viruses. I just had everything. And as I started down that path of trying to clean it all up, all of my symptoms started to disappear. And certainly it wasn’t as easy as it sounds, and it wasn’t as quick. And I felt a lot worse before I felt better, as most of our clients do. But I think that I’m not the only person that this has happened to. And I think a lot of people get misdiagnosed just simply because nobody’s looking for the other problems that you and I look for and that we know of. And that’s one of the ways our medical system fails the clients they work with. Unfortunately. Neil Nathan MD 29:12One of the things that I teach and want people to be aware of is any specialist who makes the diagnosis that includes the word atypical. So atypical ms, atypical Parkinson’s, atypical Alzheimer’s, atypical rheumatoid arthritis, whatever it is, if that’s the word. What they’re saying is this has feedback features of this illness, but doesn’t really match what I see every day in my office. And when I hear the word atypical, I say, please look for mold, please look for Lyme. Because that is often the case here. Dr. Deb Muth 29:51Yeah, oftentimes it is. You also teach that when patients get worse under treatment, it doesn’t mean they’re failing. It means the treatment might not be appropriate for their psychology. Can you explain that a little bit? Neil Nathan MD 30:05Yeah. I think that many people start understanding about things like Lyme or mold and don’t really have the bigger picture. And so they will jump in with aggressive treatments in people who aren’t really ready for that degree of aggressive treatment. And here we’re going to come back to, if someone’s living vagal and mast cell systems are dysfunctional and not working properly, it is highly likely they won’t be able to take normal doses of the binders we use for mold, or to take antifungals or to take the antibiotics we need for Lyme disease. It’s not that they don’t want to. They can’t. And so what I see is not understanding what you need to do, in what order. If you do it in the right order, you’ll help the vast majority of people you’re working with. And again, that trifecta of limbic vaginal, mast Cell is one piece that a lot of people don’t address. And again, order matters. For example, in the mold world, some people have learned that, oh, I’ll need to give people antifungals to get this mold and Candida out of their body. But if you do that and you don’t have binders on board, there’s a very high risk that you’re going to cause a severe die off and make people really miserable. I remember when we kind of first started this, I was working with Joe Brewer, who’s an infectious disease specialist from Kansas City. And Joe wrote some of the earlier papers on this particular subject. And I was doing, I had a radio show at that point and Joe was on and we were talking about mold toxicity and how we treat it and what we did. And he mentioned that about 40% of his patients had this really nasty die off. And I went, I almost never see a die off. And so when we got off the program, we sat down and tried to compare notes about, okay, what am I doing differently than you, that I’m not getting the die off. And Joe, as an infectious disease specialist would go quickly to his antifungals. And yes, he put people on binders, but he also simultaneously put the lungs in pretty heavy doing antifungal. They got a nasty diure. I never put people in antifungals until their binders were up and running. So from my way of thinking about it, if you use any antifungal, they all work by punching holes in the cell wall of either a mold or a candida organism, killing it. However, by punching holes in it, what’s in that cell leaks out. And that includes mycotoxins. So. So you’re literally, if you’re using it aggressively, you can literally flood the body with mycotoxins. And if you don’t have the binders on board to mop it up, there’s a high risk that you’re gonna be pretty miserable. Cause you’re literally more toxic. Dr. Deb Muth 33:18Yeah, I remember in the early 2000s when they were teaching, if you’re not getting somebody to have that die off reaction, that quote unquote, herx reaction, then you’re not doing your job, you’re not giving them enough. And we would have clients that would come in and say, I’m not herxing. You’re not doing enough for me. And we were always the ones that are saying, you don’t have to hurt to get rid of this thing. I’m a naturopath too. And so preserving the adrenal Function was always very important to us. And we were like, if we cause you to hurts like that, now we’re depleting the adrenal system. We’re creating more problems that we’re gonna have to fix on the backside. And that was the narrative that was being taught back then. And I’m glad that’s not the narrative that’s being taught today, for sure. But people don’t understand. Like you said, you’re more toxic at this point, and creating more toxicity isn’t what we want to do. Neil Nathan MD 34:12It’s not good for healing. Kind of intuitively obvious, but you’re right. Back in the early days, we were taught that just to put a spin, I’ll call it on a nasty Herc’s reaction. Oh, great, we’re killing those little microbes. This is fabulous. Yep. I mean, that’s how we spun it back then. And currently I can’t say that some Lyme literate doctors still believe that, but most of us have realized that. No, that means we’re killing him too quickly. We need to modify what we’re doing so that we are killing it, but not at a rate that our patient is getting worse. Dr. Deb Muth 34:59Yeah, I always tell people we want to kill the bug, but we don’t want to make you feel like we’re killing you at the same time, because that’s what’s going to happen if we’re not careful. So, yeah, how does trauma and emotional or physical trauma and abuse and chronic illness, how do they all reinforce each other? Neil Nathan MD 35:24Our limbic systems have been trying to keep us safe since we were in our mother’s uterus. By again scrutinizing the stimuli we’re being exposed to from the perspective of safety. So none of us have had perfect childhoods. Yeah, some older than others. But depending on what you had in your childhood, maybe you had recurrent ear or throat infections and took lots of antibiotics. Or maybe you needed surgeries. Or maybe you had parents who were both working and not particularly available to you. Or maybe you had abusive parents in any way possible. But through your whole childhood experience, your limbic system is really going okay. This isn’t safe. This is not good for me. This is not right. And becoming more and more hyper vigilant to really be aware of that so it can try to keep us safe, which is okay. Maybe my parent was an alcoholic and okay, they’re coming in now. I’m going to make myself scarce. My limbic system is going to tell you, get out of here. Don’t put yourself in harm’s. Way, if that’s the case. And then as we go through our lives, more things occur. We have heartbreak when we’re teenagers, and we have difficulties with work or bosses or other things. Each insult of safety to us helps to create a limbic system that is more and more hypervigilant. So if you then have a trauma of any kind, it’s kind of like the straw that breaks the camel’s back at that point. And that could be mold toxicity, that could be Covid, that could be the loss of a loved one, that could be a betrayal of some point, any number of things, once that happens. Now that limbic system is super hypervigilant. Now, what that means is, symptomatically for people is we’re going to have symptoms in two main categories. Not to make us sick, but to warn us from our limbic system that, hey, this isn’t safe for you. You got to get into a safe place here. And those symptoms are in the category of emotion and sensitivity. So with any of our patients that we see, if they have become more and more anxious patients, panic, depressed, ocd, mood swings, depersonalization, derealization, that’s all limbic. And if they have any increase in sensitivity to light, sound, chemicals, smell, food, touch, EMFs, limbic. So most of our patients have gotten to that place. And as I’ve said, the vagal system comes along with the limbic system because it does the same job. Those symptoms are a little different. The vagal system controls the autonomic nervous system, and so things like temperature, dysregulation, pots, blood pressure, palpitations. The vagus nerve also controls almost all gastrointestinal function. So almost any symptom in the GI tract is going to have a vagal piece to it. Gas, bloating, distension, reflux, abdominal pain, constipation, diarrhea. So those are common symptoms in our patients. And it helps us to tease it apart that we can literally tell them these are symptoms of vagal dysfunction. These are symptoms of limbic dysfunction. And I hope I’m answering your question, which is, how does this evolve? It evolves throughout our whole life, and then eventually we get to the point where our limbic system is overwhelmed. And here’s the good news. We can treat this. We can fix it. We have various programs. And honestly, Deb, I believe that every man, woman and child on this planet needs limbic retraining, or at least limbic work. Co did a real number on the whole planet. Yeah, most people live in some degree of fear From a wide variety of causes. And we don’t have to live in fear. We don’t have to let us hurt us, but we do need to recognize that it is limbic, it is vagal, and we can do something about it. Dr. Deb Muth 39:58Yeah, that’s an exciting time for us, I think. You know, I. I agree. Like, the last couple of years have been very traumatic for a lot of people. Our young kids that were traumatized in school, their parents, the grandparents. I mean, everybody has gone through some kind of anxiety or fear around what’s happened in the last few years, and not to mention all the things that they’ve lived with their whole lives. And this just kind of came to a head and I think broke open for a lot of people that were suppressing their feelings up until this point. And it. It just was the perfect storm for a lot of people, unfortunately. And there’s a lot of people that can’t get over the trauma that’s occurred. The lying amongst the government and our families, how we treated each other and pushed each other aside and, you know, broken families apart because of their belief systems. It really did a number on people, and they’re really struggling to get back. Back for sure. Neil Nathan MD 40:56Yeah, we’re in complete agreement here. Dr. Deb Muth 40:59Yeah. Yeah. So many of our listeners, especially women, have been told their symptoms are anxiety or stress or quote, unquote, just hormonal. Right. And from your perspective, what damage does that kind of dismissal cause for people? Neil Nathan MD 41:16We have a fancy word for that, which is iatrogenic illness. Translation is your doctor is making you sick by treating you inappropriately, not making the right diagnosis and not honoring what you’re experiencing. There’s actually a new word that I’ve recently heard called medical gaslighting, in which you describe something to your doctor and he goes, no, this is in your head. There’s nothing really physically wrong with you, and you know that. No, no, no, no, no. I might be a little bit stressed by it, but something else is going on in my body. And they’re telling you, no, we tested you. Usually those testings involve doing a blood count and a chemistry profile, and that’s it. Those tests will not reveal the kinds of things we’re talking about because you’re not looking for the right thing. So it is really common for our patients to have been told that there’s nothing wrong with you. You need to see a psychiatrist because they don’t know enough to understand that the symptoms you’re describing, if you understood what you’re looking at, are very clear manifestations of Things. Things like mold toxicity and Lyme disease, chronic viral infections, a variety of other things. But your doctor has to know this in order to happen. And this is a failure of medical education. So if my message to everybody always is never doubt yourself or what you’re experiencing, it’s real, there’s never a reason to doubt that. If the people around you aren’t believing, you find someone who does. And again, to augment this, part of the problem is if families accompany the patient to the doctor’s office and they hear the doctor telling them it’s in their head, families become less supportive of their loved ones and go, well, doctor said, this is in your head. I don’t know why you feel so awful. And so families need the same point of view of trust your loved one’s perceptions. There’s no reason not to. Malaboring hypochondria is extremely rare. Gets talked about a lot. I’ve been practicing for over 50 years. I have rarely seen, seen anybody with those truly with those symptoms. So trust yourself. Good. Dr. Deb Muth 44:03I love that. What do you wish every clinician understood about listening? Neil Nathan MD 44:13I wish that every clinician had the same curiosity that we do, which is, I might not understand why this being in front of me has these symptoms or is ill, but I’m going to do everything in my power to figure it out. That means I’ll learn what I need to learn. I’ll study what I need to study to figure out why this person is sick. I really wish, and I understand kind of why that’s happened. My wife always thought that everyone was like me, which was Saturday mornings. My great joy in life was getting up early with a cup of coffee and reading medical journals or obscure medical books. That was my joy. She was shocked that most other people don’t. The way medicine actually evolved. We’re burning out doctors at a rate never before in the history of this planet by making them do things that are not in the service of patients, but are in the service of making money. And so doctors are being given seven minutes per visit. If you have a complicated person, there’s no way you could do income. Seven minutes. The way the system is set up, it doesn’t allow doctors to do their job. And then they’re under tremendous pressure to get the charts filled out properly, the way the advent of electronic medical records supposed to be. This great thing is it’s making doctors have to go home and spend two hours at home, not with their family, but getting their charts squared away. And I don’t think all patients realize the Kind of pressures that doctors are under. So to answer your question, I would like doctors to be more curious, but also, the system is broken, and I wish we could fix the system so that every patient could get the amount of time they needed with their doctor to really explore what’s going on and get to the heart of what’s happening. Dr. Deb Muth 46:31I so agree. So agree with all of that. If there was one question you would want every patient to ask their doctor, what would it be? Neil Nathan MD 46:44How would you treat me if I was your sister, mother, relative, whatever. Not what you want to do, theoretically. But if I were your wife, if I were your sister, how would you treat me? I don’t see that happening much, especially with elderly people. I see Doctors going, you’re 80. What do you expect me to do? I’m getting pretty close to being 80. And I expect you to help me because I want to function at this high level for a very long time. There was. It was an old joke that used to be Bella went in to see the doctor, and the doctor, he said, doc, my knee is all swollen and it’s tender and I’m having trouble walking on it. And the doctor said, you’re 102 years old. What do you expect? But, doctor, my other knee is perfectly fine, and it’s 102 years old also. So I once had the opportunity. I had a 100-year-old patient who had exactly that. So that was able to look at his knee and go, we’re going to take care of this. So it’s just older people need to be treated with respect, with the same thing, of absolutely no reason that they shouldn’t get the kind of attention that you would want your grandfather, your father, to have. Dr. Deb Muth 48:16Yeah, I love that question. So I have one last big question for you. If medicine were rebuilt around patients instead of systems, what would you change? First. Neil Nathan MD 48:33I would get rid of the middle man in medicine, the HMOs, the managed care organizations, where they take the profit and it’s being shunted into other areas. So rather than the physician being paid directly for what’s happening, they just get a piece of it that the managed care organization deems appropriate. You know, I grew up in what was called golden age of medicine back in the 70s, where I could do for people what they wanted done. People didn’t doubt that it was in their best interest and that if I ordered a test, it got done. I didn’t have to have someone else authorizing or tell me this is an okay or an appropriate test, I could do it. So I would go back to a. A practice of medicine, direct care, where you. Maybe there’s a system that would help reimburse you for it, but you could go to the doctor and you get what you need, and the doctor decides what you need. Actually, they’re the ones seeing you. Would a clerk in an office 600 miles away decide whether you can have this test or not? Have this test? Test? It doesn’t make any sense to me. I should be able to deliver what you want and need, and I should have the time it takes to really work with you. I’d like to go back to the 70s. Dr. Deb Muth 50:07Me too. Me too. Is there one thing that gives you hope right now for our system? Neil Nathan MD 50:16Honestly, I’m a very optimistic person. My answer is is no. I think the system is broken. I think it is being held intact by people who are profiting from this system. They have no interest in letting go of their profits for it, and they don’t have any interest in seeing that people get treated properly and well. So I think, as I said, the system’s broken. It needs to be rebuilt from the ground up. Dr. Deb Muth 50:45I agree. I agree. Dr. Nathan, thank you so much. Not just for the conversation, but for the way you’ve modeled curiosity and humility and compassion in medicine. It is an honor to work alongside of you, call you my friend, and learn from you. Thank you so much for that. For those listening, if this episode resonates with you, I want you to hear this clear clearly, your sensitivity is not a flaw. Your body is not broken. And needing a different approach does not mean you’re failing. Healing doesn’t happen by forcing the body. It happens when the body finally feels safe enough to heal. If this conversation has helped you and you feel seen, I encourage you to share it with someone who needs that as a reminder. Thank you for being here and thank you for sharing with us. Let’s talk wellness now. Neil Nathan MD 51:38So in this context, I just want people to be aware of one of my recent books, which is the Sensitive Patient’s Healing Guide, which talks about this in great detail. And the new second edition of my book, Toxic, goes over the whole mold Lyme thing in more detail. So again, that wasn’t intended to be self serving, but rather there are resources where you can learn even more about it than Deb and I are able to cover in this short interview. Dr. Deb Muth 52:09Yeah, absolutely. And your first book, Toxic, was amazing. So if people haven’t read it, you definitely want to read the second version of it because it is incredible. And Dr. Nathan, if there’s somebody that wants to get a hold of you. How do they find you? How do they learn more about what you’re doing? Neil Nathan MD 52:24A very complicated website. Neilnathanmd. Com. Dr. Deb Muth 52:30Perfect. Well, thank you for today. Neil Nathan MD 52:34You’re very welcome.The post Episode 253 – Environmental exposures, Lyme disease & multiple chemical sensitivities: integrative approaches to healing first appeared on Let's Talk Wellness Now.

In Part 2 of Deconstructing Health Care, host Lisa Salberg is joined by physician, health policy expert, and HCM patient Dr. Jan Berger to trace how U.S. health care evolved after World War II. Together, they break down the laws, economic choices, and unintended consequences that shaped employer-based insurance, Medicare, HMOs, and modern coverage gaps—and why understanding that history matters now.   This conversation was recorded Jan. 16, 2026.

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ In this high pace episode, Mark Homer lays out his no-nonsense predictions for the UK property market in 2026. He covers where he thinks the real growth will be (and where it won't) for both residential and commercial properties, why the Midlands and the North are !likely to beat London for profits, and how the Renters Reform Act, EPC rules and tax changes will actually hit landlords and developers on the ground.  If you're serious about making money from property - whether that´s using HMOs, buy-to-lets, industrial or small-scale developments - this episode will help you to see what's coming, where the opportunities are, and how to stay profitable in spite of the chaotic rate of change we are experiencing. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast   KEY TAKEAWAYS ·      Focus on buying stuff that stacks in today´s market - Properties that generate solid yields and cash flow, rather than chasing speculative capital growth. ·      Consider shifting capital out of over‑taxed London and into stronger‑yielding Midlands and Northern markets and carefully selected industrial developments. ·      Treat Renters Reform and the loss of Section 21 as a given – tighten your paperwork, ASTs, and evidence so you can still deal with problem tenants. ·      Use 2026–2030 to get your stock to EPC C as cheaply and intelligently as possible. ·      The right EPC assessor is worth their weight in gold. ·      Despite the high levels of political and legislative change, the realities of supply and demand will exert themselves. So, those landlords and developers who adapt their strategy will remain profitable, regardless. BEST MOMENTS  "Even Starmer and Rachel from accounts can't beat the market. They cannot beat the supply and demand curve."  " In order to get builders building again, and investors investing, capital values and rents need to go up in order to make projects viable."  "I think capital growth probably will come back to something like four or 5% that's assuming that Bank of England base rate drops maybe half a percent by the end of 2026."  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.o.uk/

Send us a textAttorney Dr. David Feinwachs joined Liz Collin on her podcast. He is former general counsel of the Minnesota Hospital Association. He was fired for asking too many questions after four HMOs in Minnesota were making an extraordinary amount of money from the state Medicaid program. The federal government has put Minnesota on notice: fix the fraud or lose the federal funds. Dr. Feinwachs said a recent filing from the feds is a “bombshell” and could lead to severe consequences for Gov. Tim Walz and his administration.Support the show

Why Traditional Healthcare Falls Short—and How The Lanby Is Fixing ItClick On My Website Below To Schedule A Free 15 Min Zoom Call:www.Over40FitnessHacks.comOver 40 Fitness Hacks SKOOL Group!Get Your Whoop4.0 Here!Chloe Harrouche - The Lanby - Health Conciergewww.thelanby.comPodcast: Get Well, BetterIn this episode of Over 40 Fitness Hacks, Brad Williams sits down with Chloe Harrouche, founder of The Lanby, a modern, patient-led concierge healthcare practice redefining what proactive, preventive medicine can look like.Chloe shares her deeply personal journey into healthcare innovation, beginning with her background in bioengineering and healthcare consulting, and shaped profoundly by her experience being diagnosed with breast cancer at just 23 years old. Despite receiving standard-of-care treatment, Chloe was left with little guidance on how to truly optimize her long-term health. That gap—between traditional medicine and personalized, proactive wellness—became the catalyst for founding The Lanby.Throughout the conversation, Brad and Chloe unpack the shortcomings of conventional healthcare and even traditional concierge and Direct Primary Care (DPC) models. Chloe explains how The Lanby goes beyond access to care by offering trusted guidance, ongoing accountability, and true personalization, integrating functional medicine, nutrition, longevity science, and wellness into primary care.Listeners learn how The Lanby's team-based model works, combining physicians trained in prevention and functional medicine, registered dietitians, and dedicated member advocates who coordinate care and ensure patients feel heard and supported. Chloe details how The Lanby emphasizes proactive monitoring, including extensive baseline lab testing (100+ biomarkers), quarterly progress check-ins, and optional advanced diagnostics like genetics, gut microbiome testing, and biological age assessments—without pushing unnecessary add-ons.Brad relates the model to his own experience navigating cash-based healthcare, DPC, and self-directed biohacking, highlighting how overwhelming it can be to interpret data without expert guidance. Chloe explains how The Lanby helps turn complex health data into clear, actionable insights, reducing confusion and burnout for motivated, health-conscious individuals—especially those over 40.The episode also explores how The Lanby works alongside insurance (favoring PPO, EPO, or alternative cost-sharing plans), why HMOs are challenging, and how the model supports both day-to-day health optimization and coordination during acute issues.Finally, Chloe shares what's ahead for The Lanby, including:A nationwide metabolic health program using continuous glucose monitors“Just the Labs” and “Just the Genes” standalone offerings for non-membersPlans to expand into pediatric care with a holistic, family-centered approachChloe also highlights The Lanby's educational ecosystem—community talks, wellness presentations, newsletters, and her podcast Get Well Better—designed to empower patients with knowledge while providing expert context.If you're interested in online personal training or being a guest on my podcast, "Over 40 Fitness Hacks," you can reach me at brad@over40fitnesshacks.com or visit my website at:www.Over40FitnessHacks.comAdditionally, check out my Yelp reviews for my local business, Evolve Gym in Huntington Beach, at https://bit.ly/3GCKRzV

Ep. 135

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 speaks with Esther Smith, a successful property investor, corporate contractor, and busy parent. Together with her husband Mark, Esther has built a portfolio of HMOs leased to supported living providers such as Serco. The conversation explores how to strategically balance property investing with a demanding career and family life, and dives into the practicalities and pitfalls of the supported housing model.Esther Smith is a contractor in the corporate world and a mother of young children, one of whom has autism. Esther brings a realistic, no-frills perspective to property investing, blending analytical skills, financial forecasting, and an acute awareness of social needs to build a portfolio with both purpose and profit.What You'll Learn:Why supported living HMOs can be a smart long-term investment strategyThe real timelines and work involved before a property begins cash flowingHow to manage property investing alongside a demanding job and family lifeTips on working with providers like Serco and handling bureaucratic challengesThe importance of aligning investment strategies with personal and family goalsTimestamps[00:00] – Introduction to the Episode[02:18] – Why Esther chose property investing alongside a corporate career[04:32] – Transitioning to HMOs and choosing supported living as a strategy[06:08] – Challenges of property management and moving outside London[08:31] – The importance of patience and persistence in property[11:15] – The true timeline to cash flow a supported living HMO[19:30] – What to expect during refurb and compliance processes[26:24] – Lease signing: navigating Serco's contracts and requirements[32:28] – Lending, insurance, and operational costs: myth vs reality[42:01] – Long-term goals, charitable aspirations, and future plans[47:37] – Wrapping up: advice on staying focused and aligned with your goals[51:37] – Where to connect with Esther SmithThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Esther Smith Socials:LinkedIn: https://www.linkedin.com/in/esthersmith1Website: https://espeopleandchange.com/Follow Sarah Blaney Socials:LinkedIn: https://www.linkedin.com/in/sarahpropertyandbusiness/ Facebook: https://www.facebook.com/sarah.blaney.1232Instagram: https://www.instagram.com/sarah.in.property/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylifeYouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

Simon discusses the importance of not letting the uncertainties of 2025 hinder your property investment opportunities in 2026.  With interest rates beginning to stabilise and a buyer's market prevailing, the episode emphasises the need for proactive investment strategies. Simon outlines the five golden rules of property investing, highlighting the significance of buying from motivated sellers and focusing on properties that generate positive cash flow. KEY TAKEAWAYS Successful property investment relies on five key principles: buying from motivated sellers, focusing on areas with strong rental demand, ensuring positive cash flow, holding properties for the long term, and maintaining a cash buffer for unexpected expenses. The new Renters Rights Bill, effective in 2026, introduces significant changes to property management. While it may make it harder to evict tenants, good landlords who manage their properties professionally should still be able to navigate these changes effectively. High-end HMOs (Houses in Multiple Occupation) and serviced accommodation (short-term rentals) are highlighted as the two main strategies for property investment in 2026. To succeed in property investment, it's crucial to be educated and informed about the market. BEST MOMENTS "I think there's a huge opportunity cost of you not acquiring property in 2026." "The Renters Right Bill is coming in. It's been signed off by King Charles. It is law." "If you are a good landlord and you're doing things correctly, you should be okay." "In many areas there's an oversupply of HMOs. It's got to be high-end which look better." VALUABLE RESOURCES Join my free 2-hour live workshop where I'll show you how to choose the right property coach to fast-track your results in 2026: https://property.isrefer.com/go/GRF26CW/Podcast/ 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/

We explore how reducing variation in cost, outcomes, and experience creates real value, and why deep provider metrics and real-time member support outperform box-checking credentialing. Kate Grohal shares a playbook for aligning incentives without repeating the mistakes that soured HMOs.• defining quality as reducing variation across cost, outcomes, experience• Kate's path from patient escort to quality leader• why NCQA alone falls short for measuring provider performance• additional metrics: infection rates, readmissions, team engagement, co-management• building value-based networks that screen out low-performing providers• real-time care navigation via nurses, MAs, and app-based prompts• behavior change through waived cost-sharing and premium reductions• the downside of PEPM fees and paying for non-performance• differentiating value-based care from old-school HMO denial tactics• employers moving from back seat to driver's seat• tech adoption gaps and the next five-year horizonVisit BenaPower.ai or email info@BenaPower.com to schedule a demoFor more information, visit HatcherMedia.net — that's H A T C H E R Media.netThis episode is sponsored by Benepower, the platform of choice for a modern benefits experience. Benepower is an AI-powered benefits platform offering access to top products and services, enabling consultants and employers to create customized plans, optimize usage, and measure effectiveness. www.benepower.com

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!

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!

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

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

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.