Podcasts about hmos

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

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

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

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

In today's episode, I'm sitting down with Kazy from Property by Kazy for a no-holds-barred conversation about my journey in property and what it's really taken to build the businesses I have today.We cover it all—the hard truths, the challenges I've faced, the mistakes I've made, and the realities that don't often get talked about. But it's not all doom and gloom—we also dive into the exciting opportunities ahead for property investors and why, despite the ups and downs, this journey is worth it.This is my unfiltered take: the highs, the lows, and everything in between. If you're building your own property business and finding it tough, maybe slower than you'd like, I think you'll take comfort in knowing you're not alone—and that you're probably doing exactly what you should be doing.Hopefully this episode inspires you, motivates you, and above all, keeps it real. From the very beginning of my story right through to my latest deals, this is the most complete picture I've shared of my journey so far.Here's what we cover:02:54 – Understanding HMOs, The Student Market and Its Benefits15:15 – Systemisation in Property Management18:58 – Building a Property Portfolio24:05 – Transitioning to Education and The Value of Mentorship33:08 – Commercial Valuations and Market Risks37:54 – Common Mistakes in HMO Investing39:42 – Current Projects and Future Goals-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

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

Are you stuck in the start-stop cycle? Jumping from HMOs to buy-to-lets, then lease options, without gaining real traction?   In this week's episode of The Property Rebel, Arsh Ellahi breaks down the biggest mistake property investors make: treating property like a 100-meter sprint instead of a marathon. After 25 years in the game, he shares why choosing the RIGHT strategy—one that aligns with your personality and values—is the key to long-term success.   Whether you're a natural deal-maker who thrives on negotiation, someone who excels at tenant management, or brilliant with the finance side, there's a property strategy that fits YOU. The secret isn't chasing quick wins or the latest shiny object—it's understanding your strengths and playing to them consistently, month after month.   Stop chasing every new trend and start building wealth the right way. Your future property portfolio depends on it.   Remember: Property is a marathon, not a sprint—so pace yourself for the long game!   Join the Property Investor App WhatsApp Channel: bit.ly/PIAWhats   Book Your 1 Hour Call with Arsh here: http://bit.ly/1HourPropertyCoach   Wanna connect with Arsh? Click this link: www.arshellahi.com/contact   Want to know more about the Property Rebel? Head over to Arsh's Youtube Channel. Where you can find lots more quality content and information. Click To Subscribe   Have you heard about Arsh's app the Property Investor? You can download it directly to your mobile by clicking the links below:   Apple Devices: Download Here   Android Devices: Download Here   Or Visit the website by clicking HERE   Thank you for listening! #propertyrebel

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

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

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

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

Send us a textIn this week's London Property Bulletin, we cover the biggest stories shaping the market in July 2025. From Propertymark's push for mandatory qualifications for agents in England, to the government's rejection of a wealth tax, we dive into the policy shifts and market movements that matter.Daniel Austin of Ask Partners calls for bold reforms to reignite development, while luxury HMOs in prime postcodes are outperforming traditional rentals. Leaseholders at Northwood Hall celebrate a legal victory, and the billionaire Thomson family makes headlines with a £25M Mayfair apartment purchase.Tune in for insight, analysis, and what it all means for buyers, investors, and professionals.#LondonProperty #UKHousingMarket #PropertyNews #EstateAgents #WealthTax #LeaseholdReform #HMOs #LuxuryProperty #MayfairRealEstate #SuperPrimePropertyPROPERTY WEALTH - Transforming challenges into opportunities with specialist knowledge and reach. Explore the complexities of the London property market with us—insights, advice, and connections at your fingertips.Join the conversation! Share your thoughts and questions in the comments below. Don't forget to follow us for the latest updates and expert advice! https://www.londonproperty.co.uk/en/link-in-bio/#PropertyWealth #LondonProperty #RealEstate #PropertyMarket #Investment #HomeBuying #HomeSelling #PropertyAdvice #RealEstateTips #PropertyInvestment #LuxuryLiving

In today's podcast I'm asking some tough questions about government housing policy that many politicians seem reluctant to address directly. I originally recorded this as a YouTube video - and you can watch it here https://www.youtube.com/watch?v=0N3Fo9Ymiy8  On the video you can see my slides too.  With record levels of immigration putting unprecedented pressure on our housing system, the government has increasingly turned to Houses in Multiple Occupation – HMOs – as a solution for accommodating asylum seekers. What about you if you are a landlord housing asylum seekers? What led you to utilise this strategy? Is is a worthwhile investment and what concerns do you have?  These aren't just abstract policy questions. Communities across Britain are seeing the real-world impact as local housing markets are stretched and communities affected. Take Sarah Pochin, the MP for Runcorn and Helsby, who made asylum seeker HMOs a central issue in her campaign. She was particularly critical of how these housing arrangements affect local communities – but why? What did she see that made this such a priority for her? Today, I'm examining whether the HMO system for asylum seekers is actually necessary, or whether it's simply a symptom of broader immigration policies that aren't working. We'll look at the numbers behind mass immigration, the real costs of this housing system, and why some MPs like Sarah Pochin have been sounding the alarm. For the organisations running the government contracts - what is the reality for landlords working with such organisations? And are they making money as is claimed?  Let's dig in to find the real statistics and uncover the reasons why Sarah Pochin made this such an issue in her campaign.      

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

In this special rewind episode, I'm sharing what is hands down one of the most important and most downloaded episodes I've ever recorded. Originally a talk I gave at the HMO Awards, it's packed with the 5 biggest lessons I've learned from scaling my own portfolio and from some of the most successful investors I know.If you're working towards 10 properties, aiming for that £10K/month milestone, or just need a bit of motivation to cut through the noise, this one's for you.These are the lessons that genuinely moved the needle in my business and still do today.-Did you find this episode useful? Please leave us a quick review on Apple Podcasts or Spotify!Got any questions? Join The HMO Community on Facebook!Connect with me on Instagram or Linkedin for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. Feeling overwhelmed and don't know where to start? Join The HMO Roadmap on a Premium plan and get all-access to our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get instant access here.

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

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

This week on the Girls and Property Podcast, Athena Dobson is joined by one of our original Girls in Property community members, Lucy Akrigg – and trust me, this episode is one you won't want to miss!Not only is this Lucy's very first podcast appearance (and can we just say – she absolutely smashes it!), but her story is one that's sure to leave you feeling inspired. It's one of those “if she can do it, so can I” moments – and we're here for it.Lucy takes us back to how she got started in property during her maternity leave (yes, really!) and launched her very first rent-to-rent business, whilst continuing to travel the world with her family. Fast forward to now, and she's growing her portfolio with HMOs and serviced accommodation units at a pace that's honestly hard to keep up with – all while balancing the realities of mum life and running a business like a total pro.As always, our chat dives into the real, behind-the-scenes stuff: the highs, the hustle, and those classic “what on earth am I doing?” moments. Lucy shares some brilliant tips on sourcing properties, picking the right tenants, and gives a refreshingly honest take on what it's really like building a business with your partner by your side.If you've ever found yourself doubting your dreams, Lucy's journey is your reminder that with a bit of resilience, a supportive home life, and a whole lot of heart, you can build a property business you love. How to get involved with the Girls in Property Community

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

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

https://www.progressiveproperty.co.uk/raf/ Kev is joined by Ben Knight from The Trade Tribe to talk about how you can take control back of your finances in the stock market. For less than 5 minutes a day, Ben's strategy helps anyone learn and start trading. KEY TAKEAWAYS • Ben Knight started The Trade Tribe 5 years ago with the goal to make trading more simple for the everyday person. • Many people avoid trading as it can be portrayed as complicated, but Ben says this is not the case and you shouldn't let it put you off, regardless of who you are and how much money you have to invest. • Ben believes that financial education should be taught in school, and children leave school without the skills to build their wealth or even truly understand money. • Ben started doing HMOs but didn't educate himself enough on property, this was a big lesson for him and meant he did the right amount of research before starting in trading. • Creating and following a process is important for Ben, and he encourages anyone investing in anything to take a methodical and rational approach. • You need to know when you plan on selling something and have a plan for it before you even buy in the first place. Start with the end in mind. BEST MOMENTS “People are making it ridiculously complicated…it puts a lot of people off” “Everyone has 5 minutes in their day to grow their wealth” “Everyone likes to think about what to buy when, but no one thinks about when to sell” “Start with the end in mind” VALUABLE RESOURCES https://www.linkedin.com/in/ben-knight-368b0a12b/?originalSubdomain=uk MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people's property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

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

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

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

https://www.progressiveproperty.co.uk/raf/ Sean is joined by Shimon Ruach, a property solicitor who uses creative property investing in the UK! From cycling through Manchester snow with no bus money to becoming the pioneer behind lease options and countless other strategies, Shimon shares his knowledge and experience of building wealth through problem properties that 99% of investors avoid. Discover why he deliberately targets properties with Japanese knotweed, subsidence, and structural issues and how this counterintuitive approach has made him a fortune. KEY TAKEAWAYS Target problem properties for maximum profit. Properties with issues like Japanese knotweed, subsidence, or missing kitchens offer huge discounts because 99% of investors and lenders won't touch them, yet fixing costs are typically manageable with the right knowledge. Learn multiple strategies to maximise opportunities, focusing on just one property strategy (like service accommodation or HMOs) means missing out on profitable deals daily; successful investors adapt their approach to fit each property's unique situation. Solve vendor problems, don't just buy properties, homeowners sell because they have problems or needs, not to make profit so understanding their real motivation through rapport-building allows you to structure creative deals that benefit everyone. Invest in education over everything else. The cost of proper property education should be measured against potential returns, not the price tag; spending £100 to learn nothing is more expensive than £10,000 that enables profitable deals. Stop making excuses about time and money, people who claim they have no time for property somehow find time for TV; those who say they can't afford education are really saying they can't afford to make money. Challenge banks and know your rights. Banks often refuse reasonable requests like interest-only payments or allowing tenants, but they have a legal duty under FSA guidelines to explore all options before repossession, creating opportunities for informed investors. BEST MOMENTS "If someone gives you 1 million pounds to play with, you don't have to be creative. As long as you don't waste it, you still make money. But 99% of investors like me started with property on the side." "I don't have the time for property, but you do have time for TV? Doesn't quite add up, does it?" "I'll make an offer you can't refuse. Don't worry, there's no head of a horse involved." "Either you're a sheep like everybody else and you will stay a sheep like everybody else, or you try to do something and tomorrow you're no longer a sheep." 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/progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

In this episode, Nick and Steven sit down with brothers Calum and Connor Clark, two investors who've built a thriving, family-run property business across multiple strategies — from buy-to-let and HMOs to commercial conversions and hospitality.Episode Highlights:

The latest episode of the Charles Kelly Money Tips Podcast he explores the truth behind the buy-to-let market and exactly why he is getting out of buy-to-let after 30 years. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121 Watch video - Why I’m quitting buy-to-let but not property - Part 2 Update Thanks for the amazing comments from first video! Lots of positive comments from landlords. Some of them agree with me others do not. Several landlords, one who had 60 buy-to-let properties, have already started selling and getting out completely. Many of the comments indicated that there was a general sentiment that the UK, as well as buy-to-let, is finished. Many are planning to leave and quite a few have left already. We already know that a substantial amount of wealth as left the UK and more capital will be transferred out of the country in the coming years. Billions in tax revenue will be lost to the exchequer. Jobs are also being affected by labour’s ‘jobs tax’ with unemployment up and recruiting slowing as employers lose confidence. This comes at a time when jobs are already being lost to outsourcing and AI! What labour don’t get Businesses create wealth – not governments! Businesses create jobs The wealthy already pay more tax than the poor When the wealthy leave, the middle classes and the poor will all have to pay more tax to pay for running the country and servicing the debts and will suffer a lower standard of living. I’ve seen it before in my life under a previous labour government who put up the highest rate of tax to 98% and caused a brain drain. Clarification I’m not getting out of Property just standard buy-to-let AST’s under the new Labour government’s socialist republic. Alternative property strategies Leasing to local authorities or housing providers Rent-to-rent – little or no capital required to start Furnished holiday lets, AIRBNB, Booking.Com etc BRR by refurbish and refinance using other people’s money. There are many more strategies you can learn about by studying under experts who been there and done it before. If you’d like to find out more than link below to join a free seminar or course to enhance your property knowledge: charles@charleskelly.net Property is still a good long-term investment and will survive the idiots that run the country downwards because the markets and demand will prevail. Despite warnings of our demise, the UK will also survive the fools in power. See other videos: Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’ - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s&sttick=0 Nigel Farage SLAMS HMO BUY-to-Let Landlords In an astonishing attack on private enterprise, right wing Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense. Watch video - https://youtu.be/NKaPZj-APgw Better property strategies are needed - Learn property strategies from experts There are so many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property. For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net

In this episode of the Scottish Property Podcast, Nick and Steven are joined once again by serial investor and mortgage broker Ewan Dudding — who has now scaled to over 100 properties and relocated to Dubai while running a high-volume brokerage and build team.Episode Highlights:

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

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

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

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Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025——————————————————————In this week's episode, Nick Claydon sits down with long-time friend and social housing expert Ben Green to explore the complex, impactful world of supported living property strategy. With over a decade of experience navigating buy-to-lets, HMOs, commercial conversions, and now highly regulated supported living, Ben shares his personal journey of pivoting from mainstream property investing to a strategy that creates real social impact.Key TakeawaysSupported living is split into 3 main strategies.Exiting the traditional private rental market gave Ben clarity.Getting it right means partnering with strong covenants.Demand far exceeds supply, with over 300,000 unit shortages.This strategy isn't easy but it's as close to passive income.Episode Timestamps[01:27] - Intro to Ben Green and his start in property(2010)[06:06] - Discovering supported living through selling his portfolio[12:36] - Benefits of full repairing and insuring leases [20:20]- Leases, inflation-linked rent, and commercial benefits[31:19] - Long-term holding vs exiting through institutional players[36:16] - Why supported housing is a “win-win-win”[38:47] - Final thoughts and invite to This Property Life networking event on 26th April.This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Nick Claydon Socials:LinkedIn: https://www.linkedin.com/in/nick-c-651a141a1/ Follow Ben GreenLinkedIn: http://linkedin.com/in/benjamin-green-3b3ba613 Company(LinkedIn): https://www.linkedin.com/company/praesidio-management-ltd/about/ Instagram: https://www.instagram.com/baysocialhousing/ 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 Tiktok: https://www.tiktok.com/@thispropertylife?lang=en Youtube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

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

https://www.progressiveproperty.co.uk/raf/ Sean and Kevin tackle the burning question: is now a bad time to invest or a golden opportunity? Kevin shares contrarian wisdom about market timing, revealing why professionals continue making deals while amateurs wait for the perfect moment that never exists. With over 120 properties in his portfolio, Kevin gives advice on navigating uncertain markets, spotting opportunities when others panic and why housing will always remain a fundamental need—even in an AI-dominated future. KEY TAKEAWAYS Don't try to time the market. Focus on finding good deals that work now rather than waiting for the "perfect" moment to buy. Down markets create the best buying opportunities because motivated sellers fear prices dropping further, allowing you to negotiate better discounts. Property remains a fundamental human need regardless of economic conditions or technology changes, people will always need somewhere to live. Choose a strategy you'll actually implement in your local area. Deal packaging, rent-to-rent, service accommodation, or HMOs can all work when done right. Government housing promises rarely materialise as planned because they benefit from higher property values that generate more tax revenue. Economic downturns increase demand for affordable housing like HMOs as people look to save money by sharing accommodations with bills included. BEST MOMENTS "The amateurs wait till the market's gone up. They wait till the media tell them the market's gone up so they know which house to buy. Most people take their advice from their mate down the pub, their mate at work, their parents, or the media, and none of them have ever bought a house." "I have never seen anybody lose money when they held onto the house. Why? Because you ride it out and it goes back up. If you buy right, you'll always make money. And then when the market drops, you just ride it out and you survive." "Everyone is gonna need a home to live in. Property is the one thing that everybody needs. Food and housing, but food can be made artificial. Housing will always be housing because people will always need shelter." "You can either make excuses or make money, but you're not making both. Two types of people listening to this podcast, those that let the world happen to them and those that create their own world. Which one are you?" 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/Progpertyprogressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

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

www.commsolutionsmn.com- It was a big week as we lost George Foreman, Kitty Dukakis, and Val Kilmer. The former and the latter gave us so much in the realm of entertainment and it's sad to see them go. President Trump has been lighting it up this week. He enacted the tariffs, had the stock market tank, over 75 nations rushed to negotiate, and the tariffs are on a 90 day pause. China is now in the spotlight as it is trying to fight back, but doesn't have the financial strength to hold out. We'll see how long it lasts. Tim Walz took our $18 billion surplus to a projected $6 billion deficit. That is some of the worst financial mismanagement ever. Not one to learn a lesson, Walz just released his budget, and boy, is it a doozy. He also wants to expand the sales tax to some services that currently don't have one (like having your taxes done). He also wants to increase a healthcare surcharge on HMOs. There is also an anti-fraud provision included. In an effort to "fully fund education" he's cutting funding of some things, like text books, to non-public schools. He's not willing to cut the tax for our seniors on social security. We're one of a handful of states that still do that. Despite the cost for Southwest Rail doubling, it's still full steam ahead. These omnibus bills need to be done. Why won't the Republicans stand up and stop all of this spending? MN statutes say that bills should be single-issue, but they don't write them that way and the courts won't uphold the law.  

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

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of the guide today and master the Buy-to-Let market https://bit.ly/buy-to-let-hotspots-guide2025——————————————————In this episode of This Property Life Podcast, host Sarah Blaney is joined by property expert Elaine Bailey to discuss the property market in the Wirral, a thriving region in the Northwest of England. Elaine, a seasoned letting and estate agent, shares her insights into the demand for different types of rentals, investment potential, and what makes the Wirral an attractive location for buy-to-let and HMO investors.What You'll Learn:Why the Wirral is a growing hotspot for property investmentThe demand for different types of rental properties in the regionKey factors to consider before investing in the WirralHow local estate and letting agents assess market trendsTips for property investors looking to expand their portfolioTimestamps:[01:51] – Meet Elaine Bailey: Lettings and estate agent in the Wirral [08:31] – Current room rental rates in the Wirral [18:51] – Is there still demand for HMOs in the Wirral? [19:49] – Expected yields for HMOs in the current market [33:55] – How to connect with Elaine Bailey for property advice This Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Elaine Bailey Socials:LinkedIn: https://www.linkedin.com/in/elaine-bailey-85bb8213a Company(Linkedin): https://www.linkedin.com/company/bailey-and-staples-property-specialists/about/ Company(Website): https://baileyandstaples.co.uk/ Email: info@baileyandstaples.co.ukFollow This Property Life Podcast on Socials:Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylife?lang=en Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

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

It's that time again! Let's get into this week's Ask Rob & Rob with two new great listener queries…  (0:40) With a background in construction and £150K to invest, Rhys and his girlfriend are diving into flipping properties with the goal to build a rental portfolio. But with Rhys unable to work due to a disability, securing mortgages is a challenge, so he turns to Rob & Rob for advice on their strategy.  (4:00) Alex wants to invest in HMOs in the North while living in the South, but with so many sourcing agents out there and wary of working with one remotely, he asks the guys what due diligence he should do to ensure they're legitimate.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.  Find out more about Property Hub Inves

Simon delves into two lucrative property investment strategies: Houses of Multiple Occupation (HMOs) and serviced accommodation, comparing the benefits and challenges of each approach, highlighting the importance of quality in HMOs to attract better tenants and ensure consistent income. He discusses the need for effective management and the potential for repeat customers in the Airbnb market, while also discussing the impact of upcoming regulations on short-term rentals. KEY TAKEAWAYS HMOs provide consistent income through long-term contracts (typically 6-12 months) and can yield a profit of at least £1,000 per property when managed correctly. High-end co-living HMOs are recommended to attract better tenants and avoid competing solely on price. Airbnb properties can generate significant income, but the occupancy rates can fluctuate, averaging around 70%. Dynamic pricing is essential to maximise profits based on demand, and maintaining good reviews is crucial for attracting repeat customers. Recent regulations in Scotland and Wales, with potential upcoming regulations in England, may impact the Airbnb market by requiring safety standards and registration. This could reduce supply and benefit those who remain in the market. Successful property investing involves not doing all the work personally. Utilising managing agents for HMOs and virtual assistants for Airbnb can help streamline operations, allowing investors to focus on growing their portfolio while maintaining a work-life balance. BEST MOMENTS "If you have a vanilla boring HMO, you're going to compete on price, which is not a good thing." "The key to making lots of money in SA, Airbnb, is to get repeat customers. It's very important to get really good reviews." "When regulation comes in, there'll be a fall in supply of Airbnb and service accommodation units available to rent." "If you look after your tenants in an HMO, I've got tenants who've stayed for years and years and years." "Please treat your property investing like a business, systemise it and get great people in to help you run that business." VALUABLE RESOURCES To learn more about how you can add profitable HMOs to your portfolio, register here to join online training with Simonhttps://property.isrefer.com/go/3-5PF/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.

The American economy is growing, and, in many ways, it's looking a lot like the 1990s. Upward trends in productivity growth and employment paired with downward trends in inflation are cause for optimism. The question is whether we will maintain this trajectory or be derailed by this emerging era of uncertainty.Today on Faster, Please! — The Podcast, I talk with Skanda Amarnath about trade policy, fiscal and monetary policy, AI advancement, demographic trends, and how all of this bodes for the US economy.Amarnath is the Executive Director of Employ America, a macroeconomic policy research and advocacy organization. He was previously vice president at MKP Capital Management, as well as an analyst at the Federal Reserve Bank of New York.In This Episode* The boomy '90s (1:24)* Drivers of growth (7:24)* The boomy '20s? (11:38)* Full employment and the Fed (22:03)* Demographics in the data (25:37)* Policies for productivity (27:55)Below is a lightly edited transcript of our conversation. The boomy '90s (1:24)The '90s stand out as a high productivity growth, low inflation, high employment economy, especially if we look at the years 1996 to the year 2000.Pethokoukis: What got me really excited about all the great work that Employ America puts out was one particular report that I think came out late last year called “The Dream of the 90's is Alive in 2024,” and hopefully it's still alive in 2025. By '90s of course you mean the 1990s.Let me start off by asking you: What was so awesome about the 1990s that it is worth writing about a dream of its return?Amarnath: The 1990s — if you're a macroeconomist, at least — had pitch-perfect conditions. Employment was reasonably high, we achieved the highest levels of prime-age employment relative to the population. We had low and declining inflation, and that variable that we use to say, this is the driver of welfare over time, productivity outcomes, the amount of output we can spin up from finite inputs, was also growing at a very strong rate, and one that we haven't really seen replicated since or really in the decades before.The '90s stand out as a high productivity growth, low inflation, high employment economy, especially if we look at the years 1996 to the year 2000. We'd had high productivity maybe even afterwards . . . but that was also a period where a lot of that productivity was gained from the recession. When employment falls really quickly, productivity can go up for illusory reasons, but it's really that '90s sweet spot where everything was kind of moving in the right direction.Obviously, over the last several years, we've seen a lot of those different challenges flare up, whether it was employment during Covid, but then also inflation over the last few years. So . . . a model to build towards, in some ways.Some of us — not me, and I don't think you — remember the very boomy immediate post-war decades. Probably many more of us remember the go-go 1990s. One thing I always find interesting is how gloomy people were in those years right before the takeoff, which is a wonderful contrarian indicator that we had this period [when] we appeared to have won the Cold War but we had a nasty recession early in the decade, kind of a choppy recovery, and there was plenty of gloom that the days of fast growth were over. And just as we sort of reached the nadir in our attitudes, boy, things took off. So maybe that's a good omen for right nowIf we're a contrarian, and if the past can be present, maybe that is a positive indicator to consider. In some ways, it's a bit surprising how much you hear the talk about growth [being] stuck in a very low-growth environment. Over the last two years, we have seen above-trend real GDP growth, above-trend productivity growth. We're going to get some productivity data revisions tomorrow. Again, this measure of productivity is output per hour, so it's basically, to a first approximation, real GDP divided by hours worked. We've seen that the labor market has, largely speaking, held itself up over the last few years, and yet, at the same time, real output has accelerated.So that's at least something that suggests better things are possible. It's a sign that productivity can accelerate, and with the benefit of revisions tomorrow, we are likely to see at least . . . I'd say if you take a fair reading of the pre-pandemic trend on productivity growth, so five to 15 years, maybe you want to include the financial crisis and what happened before, maybe you don't, but you end up with something like 1.4 percent is what we were seeing. 1.4, maybe 1.45, that's a pretty generous view of pre-pandemic productivity growth.I would like to do better than that going forward.I would too. And since 2019 Q4, with the benefit of data revisions, until now, we're likely to see something like 1.9 percent — 50 basis points higher, 0.5 percent higher, we could ideally like to do even better than that. But it's 0.5 percent better over a five-year horizon in which whatever labor market weirdness spanned Covid, we've largely recovered from that. Obviously, there are a lot of different things that have changed between now and five years ago, but at least the data distortion issues should hopefully have been filtered out at this point. And yet, we probably are posting much better real output outcomes.So through a lot of this turbulence, through a lot of the dynamism that's kind of transpired over the last few years, especially in terms of business formation activity, there was a high labor turnover environment in '21 and '22. That churn has come down in more recent quarters, but we have seen better productivity outcomes.Now, can they sustain? There's a lot of things that probably go into that. There are some new potential risks and shocks on the horizon, but at least it tells you better things are possible in a way that if — I'm sure you've had these discussions throughout the previous decade, in the 2010s, when people made a lot of claims about why productivity growth was destined to be stuck, that we were either not innovating enough, or we were not able to capture that into GDP, or else there are just some secular reasons, and so I think it's an instructive moment. If people are actually looking at the data, the last two years, real output and productivity growth has been very impressive, objectively. And it's not just about, “Hey, we're reverting to the pre-pandemic trend and nothing more.” I think there are signs that this is something at least a little different from what an honest forecast pre-pandemic would've suggested.Drivers of growth (7:24)The three-legged stool is one where you want have a labor market that's strong, fixed investment that's growing (ideally faster than usual), and on the third leg it's the set of things that you can do to control really salient costs that everyone's paying.Let's talk about those signs, but first let's take a quick step back. When you look at what drove growth, and productivity growth, specifically, in the '90s, give me the factors that drove growth and then why those factors give us lessons for policymaking today.I think there are three drivers I can point to that are a little bit independent of each other.One is we had — I don't want to say a tight labor market, but especially a fully employed labor market is helpful in so far as, and we see this now over multiple episodes, especially when you're at high levels of prime-age employment, that's typically a point when there's a lot of human capital that's accumulated. People who have been employed for a while, they've been trained up, there's a little more returns to scale, they can scale revenue, they can scale output better. You don't need to add an additional worker to add additional unit of GDP.In the more tangible sense, it's that people are trained up, they have more tangible experience, productive experience. You're able to see output gains without necessarily having to add hours worked. We generally saw over the late ‘90s: Hours worked slowed down, but real GDP growth held up very well.The labor market wasn't contracting by any stretch, it was just, largely speaking, finding an equilibrium in which employment levels were high, job growth was solid if not always spectacular, but we were still seeing that real GDP growth could still be scaled up in a lot of ways. So there is a labor market dynamic to this.There is a fixed investment dynamic. Fixed investment growth is very strong in the late '90s. That was about information processing equipment, IT, software. We did telecommunications deregulation in 1996, which is meant to really expand and accelerate the rollout of things. That became the fiber boom. We saw a lot of construction that went into those sectors, and so we saw it really touch construction, we saw it touch equipment, and we also saw it effect intellectual property.An investment to prevent the millennium bug?There was probably a lot of overinvestment that also was born of some of that deregulation, but at least in terms of it adding to our welfare, making it easier for us to use the internet and the long-term benefits of that, a lot of that was built in the late '90s. You could probably point to some stuff in policy, obviously interacting with technology that was very favorable.The third thing I would say is also probably underrated is inflation fell over that whole period. While some of that inflation falling would've been some fortuitous dynamics, especially in the late '90s around food and energy prices falling, the Asian financial crisis, there were also things that were very important for creating space for the consumer to spend more. Things like HMOs. Healthcare inflation really fell throughout the '90s.Now, HMOs became more unpopular for a lot of reasons. These health management organizations were meant to control costs and did a pretty good job of it. This is something that Janet Yellen actually wrote about a long time ago, talking about the '90s and how the healthcare dynamic was very underrated. In the 2000s, healthcare inflation really picked up again and a lot of the cost-control measures in the private sector were less effective, but you could see evidence that that was also creating space in terms of price stability, the ability for the consumer to spend more on other types of goods and services. That also allows for both more demand to be available but also for it to be supplied.I think with all these stories there's a demand- and a supply-side aspect to them. I think you kind of need both for it to be successful. The three-legged stool is one where you want have a labor market that's strong, fixed investment that's growing (ideally faster than usual), and on the third leg it's the set of things that you can do to control really salient costs that everyone's paying. Like healthcare, obviously there's a lot of cost bloat, and thinking about ways to really curb expenditure without curbing quality or real consumption itself, but there's obviously a lot of room for reforms in that area.The boomy '20s? (11:38)Right now, you have still an increasing number of people who have had meaningful work experience over the last one, two, three, years. That human capital should accumulate and be more relevant for GDP growth going forward . . .So you've identified what, in your view, is a very successful mix of these very critical factors. So if you want to be bullish about the rest of this decade, which of those factors — maybe all of them — are at play right now? Or maybe none of them!Right now, the labor market is still holding up rather well. While we may not be seeing quite the level of labor market dynamism we saw earlier in this expansion, at the same time, that was also a period of great turbulence and high inflation. Right now, you have still an increasing number of people who have had meaningful work experience over the last one, two, three, years. That human capital should accumulate and be more relevant for GDP growth going forward, assuming we don't have a recession in the next year or two or whatever.If we do, I think it obviously would mean a lot of people are probably likely to not be as employed, and if that's the case, their marketable and productive skills may atrophy and depreciate. That's the risk there, but, all things considered, right now, non-farm payroll growth has been roughly speaking 160,000 per month. Employment rates adjusted for demographics are a little higher than they were before the pandemic. It's pretty historically high. That's not a bad outcome to start with and those initial conditions should hopefully bode well for the labor market's contribution to productivity growth.The challenge is in terms of real GDP growth. It's also a function of a lot of other factors: What are we going to see in terms of cost stability? I would generally say there's obviously a lot of turbulence right now, but what's going to happen to a lot of these key costs? On one hand, commodity prices should hopefully be stable, there's a lot of signs of, let's say, OPEC increasing production.On the other hand, we have also things about tariffs that are pretty significant threats on the table and I think you could also be equally concerned about how much this could matter. We've already had a bigger run-through of this with a lot of this supply chain turbulence, pandemic error stimulus, and how that stuff interacted. That was quite turbulent. Even if tariffs aren't quite as turbulent as that, it could still be something that detracted from productivity growth.We saw, actually, in the first two quarters of 2022 when inflation exploded, there were a compounding number of shocks on the supply side with the demand side that it did have a depressing effect on productivity in the short run. And so you can think if we see things on the cost side blow out, it will also restrict output. If you have to mark up the price of a lot of things to reflect different costs and risks, it's going to have some output-throttling effect, and a productivity-throttling effect. That's one side of things to be concerned about.And then the other side of it, in terms of fixed investment, I think there's a lot of reasons for optimism on fixed investment. If we just took the start of the year, there's clearly a lot of investment tied to the artificial intelligence boom: Data centers, all of the expenditures on software that should change, expenditures on hardware that should be upgraded, and there's a whole set of industrial infrastructure that's also tied to this where you should see capital deepening really emerge. You should see that there should be more room to scale up in capital formation relative to labor. You can probably point to some pockets of it right now, but it hadn't shown up in the GDP data yet. That was the optimistic case coming into this year and I think it's still there. The challenge is there's now other headwinds.The tariffs make me less optimistic. I really worry about the uncertainty freezing business investment and hiring, for that matter.I share your sentiment there. I think we learned in 2018 and -19, there were tariffs being implemented but on much smaller scale and scope, and even those had a pretty meaningful or identifiable impact on the manufacturing sector, leave aside even the other sectors that use manufactured inputs from imports or otherwise. So these are going to be likely headwinds if you're any kind of company that exports at any point in time to something across borders, you have to now incorporate higher costs, more uncertainty. We don't know how long this is supposed to stick. Are you supposed to assume this is going to be a transition period, as Treasury Secretary Bessent said, or is this something that is just like a little negotiation tactic, you get a win and then we move on?I don't think anyone's quite sure how this is supposed to play out and I worry both for the manufacturing sector itself because, contrary to the popular conception of it, we still export a lot of things. We still export, and the most competitive industries are exporting industries, and so that's a concern for whether you're a manufacturing construction machinery, you're Caterpillar, or if you're agricultural machinery and you're John Deere, you have to start to think about this stuff more and the risk that's attached to it. The hurdle rates to investment go up, not down.And on the other side of the ledger then we have, or at least in terms of the sectors that use manufactured inputs. Transformers are really important for building out the energy infrastructure if we're going to have load growth that's driven by AI or whatever else, we're kind of entering more uncertainty on that side as well, and not really clear what the full strategy is. It strikes me as going to be very challenging.And then on the monetary policy [side], and this is the difference, you had in the '90s a Federal Reserve which seems to have defeated the Great Inflation Monster of the 1970s while the Fed today is battling inflation.What do you make of that as far as setting the stage for a productivity boom, a Fed which is quite active and still quite concerned about that inflation surge and perhaps tariffs further playing into it going forward?I think the Fed's stuck in a hard spot here. If you think about a trade shock as likely being some mix of — well, it could be output throttling. Maybe the output throttling and the effects in the labor market are more outsized than the inflation effects? That was what we saw in 2018 and 19, but it's not a given that that's going to be the case this time. The scale of the threats are much bigger and much wider, and especially coming through a period now where there's higher inflation, maybe there's more willingness to raise prices in response to these shocks. So these things are a little different.The Fed has basically said, “We don't know exactly how this is going to play out and we're going to need to watch the data, keep an open mind, be pretty risk-averse about how we're going to adjust interest rate policy.” We've seen evidence of inflation expectations going up. That will not give the Fed a lot of confidence about cutting interest rates in the absence of other things getting worse. What the Fed's supposed to do in response to supply shock is almost a philosophical question because you obviously don't want to break things if there's really just a supply shock that is a one-off that you can see through, but if it starts to have longer term consequences, create bigger pain points in terms of inflation, it's just a tough spot.When I try to square the circle here — and this will be no surprise to the listeners — I can't help but thinking, boy, it would be really fantastic if all the most techno-optimist dreams about AI came true, and this is not just an important technology, but an unbelievably important technology that diffuses through the economy in record time. That would be a wonderful factor to add into that mix.If there are ways for that to be a bigger tailwind — and there could be, I wouldn't be too pessimistic about how that could filter through even the GDP data amidst a lot of these trade policy headwinds, we're expected to see a lot grand buildout of data centers, for example. There's an energy infrastructure layer to that.But even beyond the investment side, actually being used, improving total factor productivity. Super hard to predict, and no one wants to do a budget forecast under the assumption we're going to be doubling a productivity growth, but it would be nice to have.Sure would. I will say about one of the things on the inflation side, especially with the Fed, we've come through a period now where the Fed has kept restrictive interest rate policies, but only more recently have we seen a little bit more of that show up in financial markets, for example. So the stock market over the last two years has ran up quite a bit, historically, and only now we've seen some signs of maybe some pricing of risk and some of the issues around the Fed.Inflation data itself coming into this year, relative to the Fed's target on the Fed's gauges, it was right now about 2.6, 2.7 percent. Most of that reflects a lot of lags of the past, I would say. If you look through the details, you see a lot of it in how inflation is measured for housing rent. How inflation is measured for financial services really tracks the stock market, and then there's obviously some other idiosyncratic stuff around where they're using wages as the measure of prices in PCE, which is the Fed's inflation gauge. If you take that stuff out, we still have a little bit of inflation work to do in terms of getting inflation down, but it would sound pretty manageable. If I told you, actually, if you take away those lags, you probably get some only 2.2 percent, that seems like we're almost there.Let's take away a little more, then we get to two percent. We can just keep cutting things outAnd there would probably be conditions for a lot. But if we can give the benefit of the time and do no harm, there's probably a positive story to be told. The challenge is, we may not be doing no harm here. There may be new things that rear up, to your point. If you start just deducting stuff just because you think it lags, but you don't think about forward-looking risks, which there are, then you start to get into a more challenged view of how things improve on the inflation side.I think that's a big dilemma for the Fed, which is, they have to be forward-looking. They can't just say, well, this stuff is lagging, we can ignore it. That doesn't cash when you have forward-looking risks, but if we do see that maybe some of these trade policy risks go away, if there's a change of heart, a change of mind, I think you can possibly tell yourself a more positive story about how maybe interest rates can come down a bit more and financial conditions can be more supportive of investment over time. So I think that that is the optimistic case there.Full employment and the Fed (22:03)Taking people away from their job and then trying to just bring them back in several years later, don't expect the productivity dividends to be quite the same.For someone who cares about full employment, how would you rate the Fed's performance after the global financial crisis? Too tight?It was too tight and also it was an environment in which the Fed, at various points from 2010, maybe 2009, through to 2015, they were very eager to try and get interest rates up before the economy was giving their hard signal that it was time to raise interest rates. Inflation hadn't really reared its head, nor had we seen evidence of really strong labor markets. We were seeing a recovery that was very gentle, and slow, and maybe we were slowly getting out of it, but it was a slow grind. GDP growth was not particularly stellar over that period. That's pretty disappointing, right? We don't want do that again. Obviously, there are things like maybe fiscal policy could have been done differently, as well as monetary policy on some level, but I think the Fed was very eager to get off of zero to the point where they weren't looking at the data, just didn't like the fact they were at zero.Coming out of it, now it's like that recovery is a lot of wasted output. We lost a lot of output out of that. We lost a lot of employment out of that. It's kind of just a big economic waste. Obviously, this past recovery has been very different and Covid was a different type of shock relative to the global financial crisis.The thing that worries me is actually, when we start to look at the global financial crisis and we look at, say, even the recession from the dot com boom, or even the recession, to your point, in the early '90s, prime-age employment rates took a long time to recover and it's not ideal from a productivity perspective that you want to have people out of the labor force for long periods of time, people out of employment for an extended number of years —Also not good for social cohesion.The social fabric, yeah. There's a lot of stuff it's not great for. We don't want hysteresis of that kind. We don't want to have people who are, “Oh, because I lost my job, I'm not going to be able to get a new job in the foreseeable future.” A lot of skills, general intangible knowledge, that's kind of part of how people become more productive and how firms become more productive. You want that stuff to keep going on some level. That's also probably why even Covid was very turbulent. It's a lot of things that we kind of have in motion, we just switched it off and then switched it back on. Even that over a short horizon can be very disruptive. There was a reason, on some level, to do it, but it is also something to learn from: Taking people away from their job and then trying to just bring them back in several years later, don't expect the productivity dividends to be quite the same.So I look at those three recessions at least to say, if we're going to have slow recoveries out of those, it's going to cause problems. So it's a balance of Fed and fiscal policy, I'd say, because there are certain things — there was a 2001, -2, -3, there were attempts to lower taxes at the same time. That actually may have been the key catalyst, more so than the Fed cutting rates, but when you think about how the Fed is sometimes antsy to get off of low rates when the economy is depressed, that's not great. Right now the Fed has a very different set of trade-offs. Thankfully, on some level, for full employment especially, [we're] not in that world, we're now more trying to defend full employment, protect full employment, ideally not have a recession now, would be great.Demographics in the data (25:37)When you see how population growth has a twofold dynamic, we typically see in periods of high population growth are the periods also where you tend to see both strong investment but also inflation risk.I would love to avoid that. That's the last thing we need.I have two questions: One, how much do demographics, and there's been a lot of talk about falling fertility rates, is that something you think about much?I think demographics play a lot of tricks on the data itself. When you see how population growth has a twofold dynamic, we typically see in periods of high population growth are the periods also where you tend to see both strong investment but also inflation risk. Obviously, when you know that there's a bigger base of people who you can sell your goods and services to, you might be more inclined to go forward with a longer-dated investment with some confidence that there will be growth to validate it. On the other hand, it's also because there's more spending that's happening in the economy, that's higher growth, there might be more inflation risk.I think that those background conditions then filter in various ways. You can kind of see how Japan and Europe have, generally speaking, at least maybe prior to this pandemic-era episode of inflation, are seeing lower inflation rates, lower growth rates, though, too. So lower real growth, lower inflation, real per capita outcomes are always hard to square in terms of Japan's population is declining, but also Japan's real GDP, is it declining as much more or less? These things are very hard to identify going forward.I think it's going to just muddy a lot of different math as far as what counts as strong investment. We've gotten used to a world of non-farm payroll growth every month in the job report. If it's like 150,000 to 200,000, that's pretty solid and great. Do we need to change our expectations to it being a 100,000 is good enough because we're not actually expanding the working age population as much? Those things are going to have an effect on the macroeconomic data and how we evaluate it in real time. Even just this year, because for some people's assessments of what counts as strong payroll growth, there was a sense that payroll employment was strong in '23 and '24 because of immigration. I'm a little bit more skeptical than most of those claims, but if it's true, which I think it's still possibly true, that it's then the case right now if we do see less immigration, is that the breakeven, the place where what counts as healthy employment growth might be a lot lower because of it.Policies for productivity (27:55)Healthcare cost growth and managing it will be important both in terms of what people see in the budgetary outcomes, but also inflation outcomes.My last question for you, I'll give you a choice of what to answer. If you were to recommend a pro-productivity piece of public policy, either give me your favorite one or the least-obvious one that you would recommend.Right now, I'd say the things that worry the most in productivity, and it's on the table, is the trade policy. This stuff has adverse impacts on prices and investment, and it may have impacts on employment, too, over time, if they stick. We're talking about really high, sizable numbers here, in terms of what's threatened now. Maybe it's all bark and no bite, but I would say this is what's on the table right now. I don't know what else is on the table at the very moment, but I'd say that's a place where you have to wonder what's the merits of any of this stuff, and I think I'm not seeing it.I am more intellectually flexible than most about where sometimes some very specific, targeted, narrow trade barriers have a lot of sense in them, either because solving a particular externalities, over-capacity kind of problem that might exist. There are some intellectualized reasons you can offer if it's narrow and targeted. If you're doing stuff at a really broad-based level, the way it's currently being evaluated, then I have to ask, what are we doing here? I am not sure this is good for investment, and investment is also part of how we are able to unlock a lot of general corporate technologies, able to actually see total factor productivity growth and increase over time. So I worry about that. That's top of mind.Things that are kind of underrated that I think is really important over time, that'll probably be also important, both for people who are thinking about efficiency, thinking about where there's room for public policy to support productivity growth, I'd say healthcare is a really prominent place right now. Healthcare cost growth and managing it will be important both in terms of what people see in the budgetary outcomes, but also inflation outcomes. There's just a lot of expenditures there where there's not a lot of incentive for rationalization that needs to be brought. And there's a way to do it equitably. There's a lot of low-hanging fruit out there in terms of ways we can reform the healthcare system. Site neutral payments, being one easy example to point to.The federal government itself and private insurers, both of them, though, in terms of paying for healthcare, how they pay for healthcare and actually ensure cost control in that process, if we're able to do that well, I think the space for productivity is pretty underrated and could be quite sizable. That's also, I'd say, an underrated reason why the 2000s became far less productive. Healthcare services inflation, healthcare cost growth really exploded over that period, and we did not get a good handle on it, and we kind exited the '90s productivity boom phase. It was more obvious towards the latter half of the 2000s as a result.On sale everywhere The Conservative Futurist: How To Create the Sci-Fi World We Were PromisedMicro ReadsFaster, Please! is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. 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Want to turn your property portfolio into a serious cash flow machine? HMOs (Houses in Multiple Occupation) can deliver huge returns—if you know what you're doing. In this episode, I break down everything you need to run a profitable, low-hassle HMO business. From finding the right properties and avoiding costly mistakes to maximizing rental income and handling tenants like a pro—this is your ultimate guide to making HMOs work for you. Whether you're just starting or looking to scale, this episode will give you the insights, strategies, and real-world experience to build a highly profitable HMO portfolio the smart way.

Simon welcomes Richard Miller, a former army officer turned successful property investor, who shares his incredible journey into the world of real estate. Richard discusses a life-changing mega deal that generated over £100,000 in profit from a single investment, highlighting the importance of education and networking in property investing. He also recounts his initial foray into property after being inspired by his father's advice, leading to a series of successful investments, including a remarkable 48-bed HMO in Sheffield. KEY TAKEAWAYS Gaining knowledge about property investment is crucial. Understanding the risks and having a solid support network transforms a gamble into a calculated risk. Simply acquiring knowledge is not enough; taking decisive action is essential for changing one's life and achieving financial goals. Focusing on larger property deals can lead to greater profits with less competition. By moving away from smaller, saturated markets, investors can find more lucrative opportunities. Building a strong network of investors and partners can provide the necessary funding and experience to tackle larger projects that may initially seem out of reach. BEST MOMENTS "I thought I could earn more than that, hopefully with less work and be my own boss through property investing." "I found a six bed student HMO in Sheffield, off market, bricks and mortar value 345, agreed to buy it for 325." "I had no money again and had to, right, do I phone up John... or do I try and do this and try and make it work?" "If you want something different for your life, you've got to do something different." VALUABLE RESOURCES To learn more about how you can add profitable HMOs to your portfolio, register here to join online training with Simon https://property.isrefer.com/go/3-5PF/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.

Simon delves into the crucial distinctions between HMO (House in Multiple Occupation) licensing and planning conditions, emphasising their separate roles in property investment. Simon highlights the importance of creating high-end co-living spaces to attract better tenants and maximise income. He explains the licensing requirements for HMOs, including the number of unrelated occupants and room size regulations, while also addressing safety standards that must be met. Additionally, Simon discusses the complexities of planning permissions, particularly in areas with Article 4 directions, and offers insights on how to navigate these challenges effectively. KEY TAKEAWAYS It's crucial to differentiate between HMO licensing and planning conditions, as they are separate aspects of managing HMO properties. Licensing pertains to the number of unrelated tenants, while planning relates to the classification of the property. Generally, a property needs a license if it houses five or more unrelated individuals, but some councils may require a license for three or more. Always check local council regulations for specific requirements. Minimum room sizes for licensed HMOs vary by council. The national guideline for single rooms is 6.51 square meters, but some councils may require larger sizes. It's essential to verify these requirements to avoid issues when applying for a license. In areas with an Article 4 direction, converting a C3 residential property to a C4 HMO requires planning permission. However, if the concentration of HMOs is below a certain threshold (e.g., 20%), it may still be possible to obtain permission. BEST MOMENTS "If you're going to do HMOs, it's very important to make sure you do high-level, co-living HMOs." "A lot of councils interpret the HMO licensing rules in their own way... some councils take the strict definition of an HMO." "If you have an en suite where the room has its own private shower, toilet and hand basin, the space for the en suite does not count towards the floor space of the room." "In many areas, there is an oversupply of the very average HMOs I talked about earlier on." VALUABLE RESOURCES To learn more about how you can add profitable HMOs to your portfolio, register here to join online training with Simon https://property.isrefer.com/go/3-5PF/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.

Simon tackles six common myths surrounding Houses of Multiple Occupation (HMOs), a highly profitable property investment strategy, beginning by debunking the misconception that everyone is investing in HMOs, revealing that 82% of rental properties in the UK are single lets. Simon stresses the importance of creating high-end co-living spaces rather than average HMOs to attract discerning tenants and reduce void periods. Other myths addressed include the perceived high workload of managing HMOs, the financial barriers to entry, and the challenges posed by Article 4 planning restrictions. KEY TAKEAWAYS While many believe that everyone is doing HMOs, 82% of rental properties in the UK are single lets. The perception of oversupply often comes from networking environments where HMOs are more commonly discussed. The focus should be on creating high-end co-living HMOs rather than average ones. These properties foster a community atmosphere, leading to lower void periods and the ability to charge higher rents. Although managing an HMO with multiple tenants may seem more work than a single let, the potential profit from an HMO can justify the effort. One HMO can be less time-consuming than managing multiple single lets, especially when considering the option to hire management. There are various strategies to enter the HMO market without needing significant upfront capital. Options include rent-to-rent agreements, purchase lease options, and vendor financing, which can allow investors to leverage other people's money. Concerns about obtaining licenses for HMOs can be alleviated by understanding the requirements. As long as the landlord is deemed fit and proper and the property meets safety standards, obtaining a license is generally straightforward. Additionally, properties in Article 4 areas can still be converted to HMOs with the right planning permissions. BEST MOMENTS "82% of rental properties in the UK are single let properties... I promise you that is definitely not the case." "When you have a high-end co-living HMO, people are really coming into a community... they want to be in this community." "If you compared maybe five single let properties... I would suggest the one HMO actually is a less time input." "You can absolutely pick up properties in an Article 4 area and still use HMOs as long as you follow the rules." "As long as you follow those guidelines... you should be able to get your HMO license, which typically lasts five years." VALUABLE RESOURCES To learn more about how you can add profitable HMOs to your portfolio, register here to join online training with Simon https://property.isrefer.com/go/3-5PF/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.

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

Send us a textIn this episode of the Next Level Human Podcast, Dr. Jade interviews Alex Martinez, CEO and founder of Intrinsic Medicine, who shares his journey from a corporate attorney to a leader in the field of gut health and immune function. The conversation delves into the significance of human milk oligosaccharides (HMOs) and their role in modulating the immune system and gut microbiome. Alex explains the mechanisms by which HMOs influence health, their potential in treating chronic diseases, and the importance of safety in pharmaceutical development. The discussion highlights the need for innovative approaches in medicine and the promising research surrounding HMOs. In this conversation, Jade and Alex Martinez delve into the world of bioidentical compounds, particularly focusing on human milk oligosaccharides (HMOs) and their clinical implications. They discuss the safety and efficacy of these compounds, the ongoing clinical studies, and the potential impact of 2-FL on pediatric health, especially in relation to inflammatory bowel disease. The conversation also explores the gut-brain connection, particularly in Parkinson's disease, and the challenges faced in functional medicine treatments. Alex shares insights on the future availability of these innovative treatments and emphasizes the importance of dietary fiber in health.Connect with Intrinsic Medicine: https://www.intrinsicmedicine.com/Chapters00:00 Innovative Approach to Gut Health09:13 Human Milk Oligosaccharides and Immune Health24:40 Advanced Clinical Studies of Human Oligosaccharides37:19 Impactful Discussion on Gut Health45:53 Empowering Self-Care Through Data Sharing Looking for a Next Level Human Coach? Get on the waitlist and get access to the brand-new science of quantum metabolism and identity restructuring with Dr Jade and the team.http://nextlevelhuman.com/human-coaching Want to become a Next Level Human Coach? Get on the waitlist. Go to: http://www.nextlevelhuman.com/human-coach Connect with Next Level HumanWebsite: www.nextlevelhuman.comsupport@nextlevelhuman.comConnect with Dr. Jade TetaWebsite: www.jadeteta.comInstagram: @jadeteta

Expert Nerds talk through the complexities of open enrollment, starting with ways to assess healthcare plans and costs. This episode takes a deep dive into specific terminology and scenarios relevant to choosing health insurance coverage. Hosts Sean Pyles and Liz Weston start with an overview of open enrollment period timelines for November and December 2023 before welcoming guest Nerd Kate Ashford to explain deductibles, premiums, HMOs, PPOs and HDHPs.  Then, NerdWallet's Tina Orem joins the show to discuss the pros and cons of high deductible plans and the intricacies of Health Savings Accounts (HSAs) and both Medical and Dependent Care Flexible Spending Accounts (FSAs). In the second half of this episode, she zeroes in on selecting optimal health insurance for individual needs, discussing the merits and disadvantages of different health plans, budgeting for healthcare, and how to compare the benefits of an FSA and an HSA. In their conversation, the Nerds discuss: open enrollment, health insurance options, healthcare choices, high deductible plans, premiums, health savings accounts (HSAs), flexible spending accounts (FSAs), optimal health insurance, HMOs, PPOs, HDHPs, health insurance budgeting, FSA vs HSA, the use it or lose it rule, health insurance decision-making, health insurance terminology, healthcare strategies, health plan selection, medical costs, and types of health insurance coverage. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.