Podcasts about hmos

The Reserve Bank of Australia has finally dropped the cash rate — down 25 basis points to 3.85%. But what does that really mean for you as an investor? In this solo episode of The HMO Property Show, Neil Gibb unpacks the real-world implications of this cut — not just in theory, but how it affects your capacity to borrow, the suburbs you can now afford, and the cashflow boost HMOs are about to deliver. We cover: What the RBA does and why this rate cut matters How much extra you can now borrow with your income Which banks are passing on the full cut — and when Where you can now afford to buy that wasn't an option last week What a 0.25% drop saves you on a $400k–$1m loan How this rate change affects investor sentiment, demand, and market movement Perth market insights: listing volumes, rents, and median prices Why this could be the spark that ignites the next wave of growth This is one of the most data-packed episodes we've done — tune in if you're serious about making a move while the market is shifting.

Send us a textThrowback Thursday Episode – From Corporate Careers to Property Freedom: The Keys to Doors JourneyIn this Throwback Thursday feature, we're revisiting one of the most impactful conversations on the show—an inspiring episode with Peter from Keys to Doors, who, alongside his partner Monica, carved a new life for themselves through property investing.Their journey didn't begin with years of experience or a background in construction—it started with a book read on a beach during a well-earned vacation. That moment sparked a fire that led them away from the 9–5 grind and into the world of property, but not without plenty of planning, sacrifice, and lessons learned.They began small with single-let properties, building experience and confidence. As their knowledge grew, they strategically moved into HMOs and later into commercial conversions—always taking a methodical approach and adapting when needed. Their dual business model—combining long-term asset acquisition with short-term trading income through joint ventures—gave them the financial security and flexibility to leave their corporate jobs behind. First Monica, then Peter.But what really sets their story apart is their ability to pivot with purpose. When the COVID-19 pandemic made sourcing discounted deals nearly impossible, they didn't stall—they shifted to supported living properties, benefiting from stronger cash flow and fewer day-to-day management demands. As the market evolves again, they're now reintroducing flip projects, showing once more how agility is just as important as ambition.This episode is more than just a timeline of deals—it's a raw and honest reflection on the realities of property investing. In 2022, Peter and Monica hit burnout. That moment of realisation changed everything. They now prioritise quarterly international breaks and regular weekend retreats to maintain their energy, creativity, and quality of life.As Peter says:“Property investing is a long game. It's better to be steady and methodical—and have a good balance of taking care of yourself.”For anyone thinking about starting in property, Peter shares golden advice:Invest in education to reduce fear and build confidenceUse systematic viewing strategies to accurately assess refurbishment costsSurround yourself with a supportive community to find JV partners and mentorsDon't miss this powerful throwback episode filled with insight, resilience, and the mindset needed to build success that lasts.VALUABLE RESOURCES: Visit www.thepropertyunleashed.com to explore are free Property Ebooks and guides in Rent-to-Rent, Serviced Accommodation, Deal Sourcing and and also our FREE training masterclasses to help you generating a sustainable income through property. https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/YouTube: https://www.youtube.com/channel/UCgwQNC72nEJQ0tKkKERdQOQThreads: https://www.threads.net/@markfitzgeraldentrepreneur http://www.thepropertyunleashed.com

Are you investing to win, or just trying not to lose? In today's solo episode, I break down the fundamental mindset shift that separates successful investors from those who stay stuck in financial mediocrity. From leveraging the right relationships to choosing the right asset class, this episode explores: The difference between playing to win and playing not to lose How your circle defines your ceiling The danger of middle-class comfort Real stories from my own journey — the mistakes, the lessons, and the breakthrough moments Why waiting for the “perfect time” is keeping you broke And how cashflow-positive assets like HMOs can be your key to early retirement This isn't just about property — it's about life. Relationships, business, career — playing not to lose means playing small. If you're ready to back yourself, invest smart, and build a future that doesn't rely on super alone... It's time to play to win. Let's go. Subscribe and turn on notifications so you never miss an episode. FOR MORE INFORMATION Want help with your investment strategy? Book a free, no-obligation chat with our team: https://calendly.com/jose-hmo/15min?month=2023-03 Join our community Perth HMO and NDIS High Cashflow Investment Properties Facebook Group THE HMO PROPERTY CO Website: www.thehmopropertyco.com Instagram: @the_hmo_property_co Facebook: The HMO Property Co LinkedIn: The HMO Property Co YouTube: The HMO Property Co TikTok: @thehmopropertyco_  Spotify: The HMO Property Show Apple Podcasts: The HMO Property Show Living Rooms: https://livingrooms.com.au/ Disclaimer Nothing on this channel should be considered tax, financial, investment or legal advice. Please do your own due diligence — only a professional assessment of your specific situation can determine which strategies are right for you. Our goal is to share value, insight, and strategies that help you think differently about property, cashflow and freedom. Hashtags #hmo #housesofmultipleoccupants #cashflow #coliving #colivingtrend #passiveincome #positivegearing #intentionalliving #winwinhousingsolution #financialfreedom #investingmindset #backyourself #NeilGibb #PerthPropertyInvestment #WorkLifeBalance #Parenting #FamilyLife #renovations #Newbuild #TheHMOPropertyShow

I'm sharing a recent conversation I had as a guest on The BEESPACE Podcast, hosted by my good friend Jade McNeil.Jade and I covered a wide range of topics—not just HMOs and property—but also the bigger-picture stuff: balancing life and business, navigating challenges, and the personal shifts that come with experiences like becoming a parent or facing health scares.It's a really open and honest chat. If you're running a business, managing a property portfolio, or simply trying to keep up with everything life throws at you, I think you'll find this episode both relatable and insightful.Topics covered in this episode:09:02 - Career Transition From Physiotherapy to Property21:05 - Building Arcvelop Investor Group27:57 - Navigating the Challenges of Property Development31:09 - Building Credibility Through Consistency33:45 - Creating The HMO Community and The HMO Roadmap39:17 - Navigating Social Media Challenges47:09 - The Impact of Fatherhood on Business-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.

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/

Unless of course you're the mysterious Parrot-Man and then it's the most colourful moves.What have we got to get those house related juices going?Well try this for size :The vital need-to-know info on estate agents, how they SHOULD be trained and why conveyancers don't deserve all the flak ( well ok, they can have some!).Simon Bradbury, who in the nicest possible way, has been around the block is your man when it comes to brilliant guidance and we've got him on.What Simon doesn't know isn't in this podcast.HMOs. An acronym to strike fear into the deepest pages of any self respecting Facebook community group. We talk about it - pick Simmo's brains and tell you about the council that's railing against them.Charlie Says spreads the word about the sale of Zoopla and as you'd expect, Charlie has some unequalled anecdotes and insight.Then there's the small matter of Selling Somerset as told by Richard Batten of Move On Removals.Is it a bird? Is it a man? No it's both!

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! 

Welcome back to The HMO Property Show, hosted by Neil Gibb—your go-to podcast for cashflow-positive property investing and breaking free from outdated real estate myths. Considering investing in an HMO but not sure where to start? In this episode, Neil answers the top 10 questions that come up time and time again from aspiring and seasoned investors alike. From rental yields to legality, tenant types to exit strategies—this episode is your go-to guide for getting confident with co-living. Neil shares real numbers, real stories, and breaks it all down in plain English—so you can make smarter, lower-risk decisions about your next investment move. In this episode, Neil dives into: ✔️ How HMOs differ from traditional rentals (and why they outperform) ✔️ What kind of returns are realistic and what impacts cashflow ✔️ Who actually rents co-living rooms and what they're looking for ✔️ The truth about legality and compliance in WA ✔️ What happens if you have vacancies—and why it's rare ✔️ How to invest passively without managing tenants or repairs ✔️ What your exit options are and how resale stacks up ✔️ Why new builds often beat conversions in the long run ✔️ How to invest using your Self Managed Super Fund ✔️ What makes The HMO Property Co different from everyone else Key Takeaways:

#213In this episode, we look at seven reasons why you might want to pick Houses of Multiple Occupancy (HMOs), and seven reasons why you might choose Standard Buy to Lets as your strategy.By the end of the episode, you can come to your own conclusion as to which is best for you.Reasons to Choose HMOsHigher YieldsMain reason for choosing HMOsPotential income comparison with Single LetsDemandSupply vs. demand in the HMO marketFactors contributing to demand: rising property prices, energy costs, population changesNiche OpportunitiesTarget tenant types: students, professionals, medical students, etc.Social housing and supported living HMOsReplacing Your IncomeMotivations for choosing HMOs over secure jobsFinancial aspirations and goalsReducing Risk of VoidsComparison of void risks between HMOs and Single LetsCommercial ValuationsExplanation of valuation differences between residential and commercialImportance of working with knowledgeable brokersCash FlowImportance of cash flow in real estate investmentsReasons to Choose Single LetsSimplicityEasier management and less conflictSimpler tenant managementBroader market for selling propertiesGood for BeginnersLess stress and complexity for first-time investorsLower RiskRisks associated with HMOs compared to Single LetsFinanceLower lending costsManagement costs and property maintenanceTime EfficiencyLess time needed for buying, refurbishing, and tenant managementLess Market VolatilityFewer fluctuations affecting Single LetsCapital GrowthCharacteristics of properties that appreciate over timeI'd Like Help With Setting My GoalsLeave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our  NewsletterFollow Us on InstagramWhat's the one thing you're struggling with in UK propertyWhere to meet Expat Property Investors (For FREE):Hong Kong: Pacific Coffee, 2/F, Central Building, Central (1st Sat of month from 11:30 am)Dubai: Holiday Inn, Science Park (1st Weds of month from 7pm)Singapore: The Providore VivoCity (1st Sat of month  from 10:30 am)KeywordsSingle Lets, HMOs, UK property investment, remote investor, higher yields, property strategy, rental income, demand and supply, housing market, property investor, rental properties, English Housing Survey, property prices, single tenant, property management, cash flow, income replacement, market volatility, capital growth, property finance, risk management, real estate investment, property appreciation, UK housing ladder, residential property, commercial valuation, property portfolio, remote property management, buy to let.

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.  

In this episode of The Beespace Podcast, host Jade McNeil sits down with special guest Andy Graham, a property developer and entrepreneur who shares his journey from physiotherapist to successful property developer! From a life-changing thyroid cancer diagnosis at 26 that pushed him to take bigger risks, to building a diverse business portfolio spanning HMOs, developments, and a leading online education platform, Andy shares how he transformed his property passion into multiple thriving businesses. We talk about the realities of property development through his company Arcvelop, discussing the genuine risks involved, the challenges of raising finance, and why developers deserve their profits. Andy also shares insights into his online community, 'The HMO Roadmap', which has grown to nearly 10,000 members and offers structured education for property investors. As it often does on this podcast, the conversation takes a more personal turn as Andy opens up about becoming a father and how it's reshaped his business priorities, why building freedom and flexibility was crucial before starting a family, and the unexpected business growth that came from stepping back. Interested to learn more about Andy and his work? Then don't forget to give him a follow on Instagram after tuning in: https://www.instagram.com/andygraham.hmo/?hl=en  

In this episode of Girls in Property, Athena Dobson sits down with the brilliant Kim from KoMo Properties to explore her inspiring journey into the world of property investment. Kim shares how she got started with her very first deal – a bold move into a multi-unit block – and talks candidly about the lessons she's learned along the way. From Kim's, legal know-how and risk management to the real-life challenges of dealing with tenants, Kim opens up about the realities behind the business.The conversation flows into the importance of education, both formal and through hands-on experience, as well as the huge value of surrounding yourself with the right network. Athena and Kim also touch on the need to pause and celebrate your wins, even while juggling the everyday demands of running a business.They dive into the complexities of managing HMOs and what the upcoming Renters' Rights Bill could mean for landlords. Kim also shares insights on building a solid brand, why consistently reinvesting in your business matters, and how working with a life partner brings both challenges and rewards. Throughout the episode, there's a clear message about staying flexible, prepared, and open to growth in an industry that's always evolving.Packed with practical advice, honest reflections, and plenty of motivation, this episode is a must-listen for anyone looking to build or scale their property journey with purpose and confidence.How to get involved with the Girls in Property Community

Send us a textThe current property market in 2025 offers exceptional opportunities for investors who approach it professionally rather than casually. With many landlords exiting due to new legislation and rising interest rates, those who establish systemized businesses and focus on quality can thrive in this landscape.• Labour government's Renter's Right Bill is causing many landlords to exit the market• Property professionals with systems succeed where casual investors struggle• Low-capital strategies include deal sourcing, rent-to-rent, HMOs, and serviced accommodation• Quality deals matter more than quantity - avoid rushing into bad investments• Higher interest rates have eliminated profitability for traditional buy-to-let landlords• Modern tenants demand better living experiences than five years ago• Diversify your portfolio across multiple strategies rather than concentrating in one area• Use limited companies where appropriate for tax benefits• Work with tax advisors and accountants who understand property investing• Invest in proper training before starting your property journeyVisit thepropertyunleashed.com for free tools and resources including guides, deal analyzers, trainings, and masterclasses to help you build your property business the right way.VALUABLE RESOURCES: Visit www.thepropertyunleashed.com to explore are free Property Ebooks and guides in Rent-to-Rent, Serviced Accommodation, Deal Sourcing and and also our FREE training masterclasses to help you generating a sustainable income through property. https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/YouTube: https://www.youtube.com/channel/UCgwQNC72nEJQ0tKkKERdQOQThreads: https://www.threads.net/@markfitzgeraldentrepreneur http://www.thepropertyunleashed.com

In this episode, I shared the five most difficult aspects of investing in HMOs—and property in general. These are the challenges that have nearly made me quit on more than one occasion.If you've been investing long enough, you've likely faced some of these issues. By being open and honest about them, we can better prepare ourselves and realise we're not alone in experiencing them. Knowing that others face the same struggles can give us the motivation to keep going. This episode is important because the issues we're discussing are serious.Topics covered in this episode: 03:01 The Five Difficulties in HMO Investing05:54 Planning Challenges12:08 Financial Risks 17:54 People Management 22:01 Finding Deals in a Competitive Market25:46 The Importance of Resilience Please leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

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.

HMO Action Group Conference: Why you should be there! https://www.tickettailor.com/events/hmoaction/1582464 Join me in my latest episode as I dive into why the upcoming HMO Action Group Conference on May 1st is a must-attend event for anyone involved in HMOs.  In this episode, I break down: The keynote speakers and experts you'll get to meet Why this event is not NRLA for HMOs Networking and discussion opportunities How this conference directly impacts policy changes we've been fighting for All the details you need to reserve your space Early bird tickets are still available, but they're going fast!  Whether you're a seasoned investor or just starting to get involved, this conference offers something valuable for everyone involved in HMOs. Don't miss this opportunity to be part of the movement. Secure your spot today at https://www.tickettailor.com/events/hmoaction/1582464

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.

In this episode, we're revisiting a popular episode where I answered a question I've been asked many times: what would I do if I had to start from scratch, but with £100,000? This is a common question in our community, and while the answer depends on personal goals, resources, and limitations, I'm going to share exactly how I would approach it. I believe my method is adaptable to any situation, and I hope you find it useful and insightful. Reflecting on my own journey has been fun, and I'm excited to share tips and strategies that can help you, no matter your business stage.Please leave us a quick review on Apple Podcasts or Spotify if you enjoy this episode!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a starter or premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. 

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

In this episode, I'm joined by community member Ranjit Singh. Ranjit is a civil engineer and he's been using his skills and insights and experience from civil engineering to help him build a HMO property business. I want to find out how he's been doing that, what challenges Ranjit has had to overcome to get where he is.We're also going to talk specifically about planning restrictions, about the changing and evolving landscape of the areas that he invests in and how he has been dealing with these. If you're an investor just getting started, perhaps you're a bit further along on your journey, this is definitely an episode you want to stick around for.Topics covered in this episode: 02:30 - Ranjit's Journey into Property Investment 06:57 - The Reality of Building a Property Portfolio 11:22 - Adapting to Market Changes in Derby 18:21 - Planning Challenges and Overcoming Obstacles 26:13 - Defining a Good Deal in HMO Investments 32:35 - Long-Term Strategies and Risk ManagementPlease leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

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

https://www.progressiveproperty.co.uk/raf/ Sean interviews Nick Armstrong, a quantity surveyor who has changed his life through property investing. Nick shares how he went from working long hours in construction to building an impressive portfolio of 18 properties. Nick also shares how he leveraged Progressive's network, mentorship and creative strategies to achieve financial freedom through the right property education and community. KEY TAKEAWAYS Nick owns 18 properties (soon to be 19) mostly in Northern England, providing enough income to support both him and his wife, allowing them to leave their full time jobs. Progressive Property taught Nick multiple strategies beyond traditional property investing, including HMOs, serviced accommodation, and RENT2RENT approaches that don't require property ownership. Building relationships with estate agents and managing agents has been important to Nick's success, leading directly to profitable deals and ongoing property opportunities. The No Money Down course teaches strategies to control properties without using your own funds, making property investing accessible to those without significant capital. Nick found the support system through Progressive's mentorship programs and WhatsApp groups invaluable, providing solutions to challenges and connecting with like minded investors. Interest rate changes have created challenges, but the right team and proper advice from Progressive have helped Nick navigate these fluctuations while maintaining his portfolio. BEST MOMENTS "We've now built up a substantial portfolio that provides us with hopefully an income for life. That's the life changing experience we've had, we will have something that's equivalent to our pension for life." "The tools that we've learned since we've gone through the Progressive process has been absolutely life changing for us really." "You come to these meetings and you have a little chat with people and it really stirs you up and gives you encouragement. You come away absolutely boiled up from who you've spoken to, what you've learned, and what you think you can achieve in your business throughout the next month." "When I speak to people about property, most of them turn around and say, 'If I had the money, I would like to get into property.' And when you actually explain they could do it without putting any money down or very little money down, initially there's disbelief." 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/

Send us a textSeason 3, Episode 10 of the Housed Podcast.Sarah Canning, Deenie Lee, and Dan Smith are back, discussing all things student living:- Why supporting student wellbeing shouldn't be competitive - Are the latest PBSA operator updates indicative of the market as a whole?- UCAS data - what does this signify for the future of student accommodation, BTR and coliving?- The COHO Future of HMOs reportPLUS, Hollie Jordan-Wright  from Howard Kennedy tackles your questions about the Renters' Rights Bill.Our sponsor for this season, theEword  are true experts in digital marketing specifically for the property sector.We are also delighted that MyStudentHalls are continuing to sponsor the podcast, Mystudenthalls.com - Find your ideal student accommodation across the UK.Each week, Sarah Canning, Deenie Lee of The Property Marketing Strategists and Daniel Smith of RESI Consultancy will be delving into a wide variety of subjects and asking the questions that aren't often asked. This podcast is for anyone who works in Student Accommodation, BTR, Co-living, Later Living, university accommodation, Operational Real Estate or Shared Living.Disclaimer: The views and opinions expressed in this podcast are the personal views of the individual hosts and guests.

In this episode, I'm joined by Kevin, a former mentee of mine, and his wife, Angelina. Together, they run a property business called Nouveau Living. And for the first time on the show, we'll be discussing turnkey services. Most of our guests talk about how they've built their own property businesses, but Kevin and Angelina are taking a slightly different approach. While they're building their own asset-based HMO portfolio, they also offer a turnkey service.We'll explore what that looks like, covering everything from investing in HMOs, refurbishments, and interior design to creating products for your customers. Topics covered in this episode:02:51 - Kevin and Angelina's Journey to HMO Property Investment14:56 - Understanding the Turnkey Service Model25:00 - Meeting Investor Expectations27:43 - Adapting to Changing Trends in the Rental Market30:32 - The Importance of Durability in Property Design33:00 - Managing Contractors and Development RisksPlease leave us a quick review on Apple Podcasts or Spotify to help us celebrate this milestone!-Got any questions? Ask us in The HMO Community Facebook Group or follow me on Instagram @andygraham.hmo for daily HMO tips and advice! If you want to join my 1-2-1 mentoring program, you can enquire here. New to HMOs? Join The HMO Roadmap on a premium plan and unlock our award-winning library of 400+ resources to help you start, scale and systemise your HMO business. Get started now!

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.

Help Shape The HMO Property Show!  Tell us what you love, what you'd change, and what topics you want next. Take our quick survey here: https://wkf.ms/419QNLa What separates those who excel from those who struggle? Darren Hardy unveils the critical key: investing in yourself. In this Quote Vault episode, he explains why personal development—not just traditional education—is the ultimate game-changer in today's competitive world.  Hardy breaks down the "skills gap"—the true divide between success and failure—emphasizing that in a global market, continuous self-improvement is essential. He shares the "10-10 plan" for financial success and reveals how to build resilience, sharpen your mindset, and feed your mind for growth. Learn how to protect your mental space and distinguish between entertainment and education to stay ahead. Don't miss this powerful lesson on why the best investment you'll ever make is in yourself! For more information, visit For those that prefer to watch you can also catch us on YouTube. Want help with your investment strategy? Reach out to us for a free, no-obligation initial chat with our team and see how we can help you with your investment journey. Book Now Join the Perth HMO and NDIS High Cashflow Investment Properties Facebook Group. The HMO Property CoWebsite: www.thehmopropertyco.com Instagram: @the_hmo_property_co FaceBook: The HMO Property Co LinkedIn: The HMO Property Co YouTube: The HMO Property Co TikTok: thehmopropertyco_ Spotify: The HMO Property Show Apple Podcast: The HMO Property Show Living Rooms - https://livingrooms.com.au/ Help Shape The HMO Property Show!  Tell us what you love, what you'd change, and what topics you want next. Take our quick survey here: https://wkf.ms/419QNLa Disclaimer Nothing on this channel should be considered tax, financial, investment or any kind of advice. Everyone should do their own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for your situation. Our goal is to frequently feature edgy and actionable value, thought leadership and property/investment strategies.

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.

Help Shape The HMO Property Show!  Tell us what you love, what you'd change, and what topics you want next. Take our quick survey here: https://wkf.ms/419QNLa What if the key to better investing wasn't just strategy—but your health? Welcome back to the HMO Property Show! In this episode, Neil welcomes health and performance expert Mauro Stara to explore the powerful connection between well-being and financial success. They break down the four key pillars of peak performance—recovery (sleep and stress management), resistance training, diet, and activity—revealing how optimizing these areas can supercharge your energy and decision-making. Mauro sheds light on the importance of proactive health management, explaining that your physical condition is a primary driver of your financial outcomes. Learn practical strategies to improve sleep, manage stress, and fine-tune your diet—like back cycling carbohydrates and focusing on high-quality foods—to maximize your performance in property investing and beyond. For more information, visit For those that prefer to watch you can also catch us on YouTube. Want help with your investment strategy? Reach out to us for a free, no-obligation initial chat with our team and see how we can help you with your investment journey. Book Now Join the Perth HMO and NDIS High Cashflow Investment Properties Facebook Group. The HMO Property CoWebsite: www.thehmopropertyco.com Instagram: @the_hmo_property_co FaceBook: The HMO Property Co LinkedIn: The HMO Property Co YouTube: The HMO Property Co TikTok: thehmopropertyco_ Spotify: The HMO Property Show Apple Podcast: The HMO Property Show Living Rooms - https://livingrooms.com.au/ Help Shape The HMO Property Show!  Tell us what you love, what you'd change, and what topics you want next. Take our quick survey here: https://wkf.ms/419QNLa Disclaimer Nothing on this channel should be considered tax, financial, investment or any kind of advice. Everyone should do their own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for your situation. Our goal is to frequently feature edgy and actionable value, thought leadership and property/investment strategies.

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.

Suzanne Smith, a lawyer turned landlord and the person behind The Independent Landlord, discusses the significant changes brought by the Renters' Rights Bill and how it will impact landlords, letting agents, and tenants in the UK. She explains that while tenants have the right to quiet possession, which can make it difficult to show properties or evict them, most tenants typically vacate when served with a Section 21 notice. However, the new legislation could change that dynamic, with landlords needing to go through the courts to regain possession if the tenant doesn't leave voluntarily. With the Renters' Rights Bill coming into effect, landlords face new challenges. For example, it will become harder to sell properties with vacant possession, as landlords will not be able to re-let or list properties for rent or as an Airbnb during a 12 month period following a tenant's departure. The tenant's ability to claim up to 24 months of rent through Rent Repayment Orders is also a key change, giving tenants more time to recover overpaid rent. Additionally, there are stricter penalties for landlords who misuse possession grounds, such as claiming they intend to sell when they have no intention to do so. The new rules surrounding rent increases will also change. Landlords will be restricted to raising rents only once a year, and any rent increases will have to be done through a Section 13 notice. Tenants will have more power to challenge these increases without the fear of the rent being backdated. This will likely make the rent increase process more transparent but also slower, as any challenges could delay the rise until a decision from the First-tier Tribunal is made. A notable part of the new legislation is the creation of a landlord database, which Suzanne believes could be helpful in identifying rogue landlords but raises concerns over privacy. The potential for fraud is a worry, particularly with personal addresses being included in the database, and this could make landlords more vulnerable to solicitation or fraud attempts. Suzanne also touches on how the Renters' Rights Bill will impact landlords' ability to manage their properties, particularly those with student tenants or HMOs. The changes are seen as a challenge for amateur landlords, and Suzanne suggests that the days of the 'amateur landlord' are numbered. Those who do not keep up with the changes may find it more difficult to manage their properties effectively. However, for those landlords who are prepared and understand the new rules, there could still be opportunities to navigate the system successfully. Furthermore, the rules around rent in advance, especially for tenants with poor credit histories, are likely to have unintended consequences, making it harder for certain tenants to rent homes. The issue of collecting the first month's rent will also become more complicated, as asking for it before the tenancy agreement is signed could breach the Tenant Fees Act. Ultimately, Suzanne advises landlords to stay informed, consult with knowledgeable lawyers, and work closely with letting agents who understand the complexities of the new legislation. With the changes, letting agents have an opportunity to provide valuable services to landlords and help them navigate the evolving rental landscape. Suzanne's blog, The Independent Landlord, offers ongoing advice and insights, especially from a legal perspective. It can be found at theindependentlandlord.com, where she also shares a weekly newsletter with over 8,000 subscribers, including many letting agents.

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   

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-To-Let Hotspots guide today! https://bit.ly/buy-to-let-hotspotsguide-2025 ——————————————————————In this episode of This Property Life Podcast, hosts Sarah Blaney and Nick Claydon get into the realities of pensions and why many people are unknowingly sleepwalking into financial struggles in retirement. They discuss how traditional pensions may not be enough and property investment as a viable alternative for financial security.Expect to Learn:Why relying solely on a pension might leave you short in retirementHow much you actually need to save each month to maintain a comfortable lifestyle post-retirementThe power of property investment how buy-to-let, HMOs, and commercial properties can generate reliable passive incomeWhy pensions don't always keep up with inflation, but property investments doPractical steps you can take today to start building wealth through propertyEpisode Breakdown with Timestamps:[00:01:23] – Introduction: Why pensions alone may not be enough for retirement.[00:03:49] – Nick & Sarah's Reality Check: The shocking truth about pension shortfalls. [00:12:49] – How Much You Really Need: The numbers behind a comfortable retirement. [00:19:27] – Alternative Strategies: Why property investment offers more control and security.[00:29:47] – Buy-to-Let, HMOs & Commercial Property: Which strategy fits your goals?[00:39:22] – Next Steps: How to take action now and secure your financial future.This Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources and event tickets.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 LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ 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.

Ready to unlock your Property Investment game in 2025?Grab your FREE copy of our Buy-To-Let Hotspots guide today!https://bit.ly/buy-to-let-hotspots-guide-2025———————————————————In this episode of This Property Life Podcast, hosts Nick Claydon and Sarah Blaney discussed property investment hotspots for 2025. But unlike the generic "go to Manchester" advice floating around, they break down how to find the right investment area for YOU.Nick and Sarah share their personal journeys, get into how investment strategies shape location choices, and give practical insights on the best UK regions for buy-to-let, HMOs, and property flipping.Expect to Learn:Why generic hotspot guides are misleading and how to find your ideal investment locationHow buy-to-let, HMOs, and serviced accommodation differ in location suitabilityWhy Scotland, Wales, and Northern England are prime areas for high-yield investmentsTips on selecting an investment location based on your goals, time availability, and resourcesReal-life examples of investors succeeding in unexpected marketsEpisode Breakdown with Timestamps:[00:02:27] – Introduction: Why most "property hotspot" guides get it wrong.[00:04:45] – Nick & Sarah's First Investments: From Scotland's high-yield rentals to Liverpool's HMO success stories.[00:15:11] – Finding Your Hotspot: The goal-strategy-area-property approach.[00:22:07] – HMOs: Where do they actually work? (Hint: Not just Manchester!).[00:28:37] – Buy-to-Let Goldmines: Scotland, Wales & Northern England's commuter towns.[00:32:08] – Smaller Cities vs. Big Cities: Why smaller towns like Wigan, St. Helens, and Barrow-in-Furness outperform big cities.[00:38:18] – The No-Nonsense Guide to Property Investing: How to get Nick & Sarah's book.This Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources and event tickets.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 LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ 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.

Simon is joined by special guests, Michael and Laura Taylor, who share their inspiring journey from traditional careers in teaching and medicine to successful property investors specialising in HMOs (Houses in Multiple Occupation). They discuss the pivotal moments that led them to explore property investment, including the influence of a transformative book and a three-day Accelerator course. They also reflect on their rapid progress over the past three years, achieving significant financial milestones and developing effective management strategies for their properties. KEY TAKEAWAYS Developing a strong mindset and self-belief is crucial for success in property investment. The journey may have challenges, but maintaining confidence and trusting the process can lead to significant achievements. Utilising management systems and outsourcing can alleviate the burden of managing properties. Michael and Laura have successfully implemented a virtual assistant system to handle tenant communications and maintenance requests, allowing them to focus on other aspects of their lives. There are various strategies in property investment, and it's important to find the right fit. Michael and Laura have chosen HMOs for their cash flow potential and are open to exploring other strategies as they continue to grow their portfolio. Property investment can provide a sustainable income that allows individuals to reduce reliance on traditional employment. This alternative can lead to greater freedom and the ability to pursue work that is genuinely enjoyable rather than necessary for financial survival. BEST MOMENTS "I was sat in my office, staring at the same four walls thinking, can I do this for another 25 years? The short answer was no." "It absolutely sort of blew our minds a little bit as to what was possible in property." "It was a real conscious choice to go, no, we're going to carry on." "One of our properties we've just handed over to a social housing charity... making us £2,000 a month without literally any other costs whatsoever." "There is another option. There are other ways." 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.

Simon shares six essential steps to help you secure your next or first property investment deal. He emphasises the importance of clarity in your investment goals, guiding you through the process of determining your desired outcomes and the strategies that will best achieve them, such as high-end HMOs for passive income. KEY TAKEAWAYS Before diving into property investing, it's crucial to clarify what you want to achieve, whether it's creating passive income or generating cash flow. Different strategies yield different results, so understanding your objectives will guide your investment choices. Invest in areas where you have local knowledge, as this will help you identify good and bad neighbourhoods. Conduct research to ensure there is strong rental demand, which is essential for successful property investment. Assemble a team of professionals, including local estate agents, letting agents, mortgage brokers, and solicitors. Networking at local property investor meetings can help you find reliable team members through recommendations. Practice making offers on every property you view, even if you're not particularly interested. This builds confidence and helps you understand the negotiation process. Aim to offer slightly less than what you're willing to pay to start negotiations. BEST MOMENTS "The problem is there are so many property strategies out there. Often people get overwhelmed, they get distracted by the new shiny penny, they get analysis paralysis." "You should make an offer on every single property you view. Why? Well, first of all, it's good practice." "Most sellers become more motivated with time. What didn't necessarily work now might well work in the future." "I think there'll always be a demand for high quality HMOs, houses of multiple occupation, where you're renting to students, young professionals or working people." VALUABLE RESOURCES Claim your free trail to Property Filter here: https://register.property-filter.co.uk/simon 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.

Sean interviews Damian Mulhern, a property investor who transformed his life from running an aggregates business to building a successful property portfolio. Damian shares his journey from feeling stuck in his previous business to discovering the BRRR strategy and successfully executing multiple deals. KEY TAKEAWAYS Transitioning from a saver to an investor mindset is crucial for financial growth. Damian learned that keeping money in savings accounts actually loses value due to inflation, leading him to explore investment opportunities that generate returns while he sleeps. The BRRR (Buy, Refurbish, Rent, Refinance) strategy can be incredibly powerful when executed correctly. Damian's success story of turning a £118,000 property into a £365,000 HMO demonstrates how adding value through strategic improvements can lead to exceptional returns. Managing risk in property investment isn't about avoiding it entirely but taking calculated steps. Damian advocates for getting structural surveys when needed and maintaining lower LTV ratios (60-65%) on some properties to ensure portfolio stability. Finding motivated sellers is key to securing good deals, but it's essential to know when to negotiate and when to accept asking price. Sometimes, paying full price for a below-market-value property creates a win-win situation. Networking and being part of a property community is invaluable for success. Learning from others' mistakes and experiences can save thousands of pounds and accelerate your property journey significantly. Setting ambitious goals while maintaining quality is vital for long-term success. Despite owning nine properties, Damian sees himself at the beginning of his journey, aiming for ten HMOs next year and eventually owning commercial buildings in Manchester city centre. BEST MOMENTS "Knowledge without action is just knowledge... if you don't implement that idea, the idea doesn't actually exist in reality for anybody." "A saver is, wants to put it in a bank account however, an investor understands the economics of it... they want to put it in a place where it starts to work when you're sleeping." "If you're the most experienced person in the room, you're in the wrong room." "I just want to own some big, beautiful buildings in Manchester City Centre... and just be proud of the quality because the figures will come." VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk 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/

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

Simon explores the question of whether investing in student property is a wise decision. The discussion highlights two distinct types of student accommodation: traditional houses converted into Houses in Multiple Occupation (HMOs) and purpose-built student blocks. Simon examines the importance of location, quality, and understanding the academic cycle when investing in student properties KEY TAKEAWAYS There are two main types of student properties: traditional shared houses (HMOs) that can be a good investment, and purpose-built student accommodation, which is generally not recommended due to various limitations. Successful student accommodation should be located close to universities and maintained to a high standard. Properties that are too far from campus or not well-kept tend to struggle with occupancy. Timing is crucial when investing in student properties. Many students start looking for accommodation in January or February for the following academic year, so it's important to have properties ready well in advance. Beyond students, properties can be repurposed for young professionals or other types of tenants, providing flexibility and potential for higher returns if the student market is oversaturated. Investing in purpose-built student accommodation can lead to high costs, limited exit strategies, and potential issues with long-term value. Traditional HMOs offer better opportunities for capital growth and tenant stability. BEST MOMENTS "There are two different types of student property, one of which I would not touch with a barge pole, and you should not invest in that type of student property, in my opinion." "It's got to be very high accommodations. Don't think student accommodation is a slum alternative, not very good accommodation. Absolutely not." "If you buy a purpose-built property like this, you are paying a very high price... you're paying far more than the bricks and mortar value." "Investing in a purpose-built student accommodation block is probably better than doing no investment at all, but I think it's a little bit of a lazy way to invest." "When you set it up correctly, student property can be very hands-off. It's not as intensive as another HMO where you see the tenants turning over a bit more often." 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.

In this episode of WealthTalk, we explore the far-reaching impacts of the recent budget on property investment, drawing on insights from leading residential and commercial property experts.Topics covered include changes to capital gains tax and stamp duty, the challenges now facing residential landlords, and the growing opportunities in commercial property.Creativity in property acquisition is more important than ever, and pensions can serve as a powerful tool for investing in commercial properties. High streets, often overlooked, may hold untapped potential.Additionally, we dive into the Renters Reform Bill and highlight emerging trends such as high-end HMOs and commercial-to-residential conversions.If you're serious about building wealth through smart property strategies, don't miss this invaluable episode!Resources Mentioned In This Episode:>> WT266: ‘Pensions and Inheritance Tax – Post-bduget Q&A w/ Kevin Whelan'>> The 2024 Autumn Budget Breakdown Report [Free Download]>> The 2024 Autumn Budget Breakdown [Webinar Replays]>> Co-Living Revolution – Stuart Scott [Website]>> AA Accountants – Shaz Nawaz [Website]Next 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 WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

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.

Join host Kate Welker on Money Roots as she demystifies the complexities of health insurance during the crucial open enrollment period. This episode focuses on understanding employer-sponsored plans, including HMOs, PPOs, and HDHPs with HSAs, providing listeners with essential insights to make informed decisions. Kate offers practical advice on comparing deductibles, co-pays, and network options, ensuring you find the coverage that best meets your needs. Additionally, she explores the healthcare exchange for those without employer coverage, guiding you through the process of selecting the right plan. Tune in to maximize your plan's potential and ensure a thriving financial future with your health insurance choices.Takeaways: Understanding the different types of health insurance plans is crucial during open enrollment. When comparing health plans, analyze deductibles, co-pays, and network coverage options thoroughly. Utilizing Health Savings Accounts (HSAs) can provide significant tax benefits and savings opportunities. It's important to evaluate your healthcare usage to choose the best plan for your needs. Always check if your preferred providers are in-network to avoid unexpected costs. Estimating your income accurately on the healthcare exchange is vital to avoid penalties later. Health insurance can be a complex landscape, particularly during open enrollment. Kate Welker offers an essential guide to navigating this process effectively. She starts by dissecting employer-sponsored plans, including HMOs, PPOs, and HDHPs that can be paired with HSAs. With a clear explanation of each plan type, Kate articulates the importance of comparing deductibles, co-pays, and provider networks, encouraging listeners to create a side-by-side comparison to understand their options better.Moreover, Kate delves into the advantages of HSAs and FSAs, explaining how these accounts can serve as valuable tools for managing healthcare expenses. She highlights how employers may contribute to these accounts, which can significantly enhance savings. By illustrating how to evaluate prescription drug coverage and the necessity of confirming network status with healthcare providers, Kate equips her audience with the knowledge needed to make informed decisions about their health insurance.For those not enrolled in employer-sponsored plans, the episode transitions into an exploration of the healthcare exchange. Kate emphasizes the importance of accurately estimating income as it relates to premium tax credits, providing guidance on how to avoid common pitfalls that can lead to back charges or overpayment. By analyzing the various metal tier plans available on the exchange, she helps listeners understand the balance between premium costs and coverage quality. Throughout the episode, Kate urges her listeners to utilize available resources, ensuring they feel supported in their quest for effective health insurance solutions.Resources:Kate Welker's episodes and blog articles at Rooted Planning Group: Rooted Planning GroupThrough this episode, listeners are encouraged to grasp the intricacies of health insurance thoughtfully. Be sure to tune in to the full episode of Money Roots for a comprehensive understanding and more expert advice from Kate Welker. Stay informed and continue to sow the seeds of financial knowledge for a robust financial future

Master your employee benefits during open enrollment with this episode. Jess and Brandon break down how to analyze health insurance options like HMOs, PPOs, and HDHPs, and explore often-overlooked benefits like vision, disability insurance, HSAs, FSAs, and more. Learn key strategies for maximizing your benefits, protecting your income, and taking advantage of hidden perks like adoption assistance and legal plans. Tune in for a complete guide to help you get the most out of your workplace benefits package.Watch this episode in video form on YouTube: https://www.youtube.com/channel/UCP55O4Ku4dukHcK0kExhpcATo apply to be a guest on the show, visit https://www.thesugardaddypodcast.com/guests/intake/ If you'd like to leave us a question to be answered during future episodes, you can do so at:https://www.speakpipe.com/thesugardaddypodcastYou can email us at: thesugardaddypodcast@gmail.comBe sure to connect with us on socials @thesugardaddypodcast we are most active on InstagramLearn more about Brandon and schedule a free 30-minute introductory call with him here: https://www.oakcityfinancial.us