Podcasts about scotland ireland

fWotD Episode 2839: Northern Bank robbery Welcome to Featured Wiki of the Day, your daily dose of knowledge from Wikipedia’s finest articles.The featured article for Tuesday, 11 February 2025 is Northern Bank robbery.On 20 December 2004, £26.5 million in cash was stolen from the headquarters of Northern Bank on Donegall Square West in Belfast, Northern Ireland. Having taken family members of two bank officials hostage, an armed gang forced the workers to help them steal used and unused pound sterling banknotes. The money was loaded into a van and driven away in two trips. This was one of the largest bank robberies in the history of the United Kingdom.The Police Service of Northern Ireland (PSNI), the Independent Monitoring Commission (IMC), the British government and the Taoiseach all claimed the Provisional Irish Republican Army (IRA) was responsible. This was denied by the IRA and by Sinn Féin. Throughout 2005, the police forces in Northern Ireland and the Republic of Ireland made arrests and carried out house searches. A sum of £2.3 million was impounded at the house of a financial adviser, Ted Cunningham, in County Cork and Phil Flynn was forced to resign as chairman of the Bank of Scotland (Ireland), because he was a director of one of Cunningham's companies. Cunningham was convicted in 2009 of money laundering, had his conviction quashed in 2012 and was convicted at retrial in 2014. Chris Ward, one of the bank officials threatened by the gang, was himself arrested in November 2005 and charged with robbery. The prosecution offered no evidence at trial and he was released.Northern Bank announced soon after the heist that it would replace its own bank notes, in denominations of £5, £10, £20, £50 and £100. Alongside the murder of Robert McCartney in 2005, the robbery adversely affected the Northern Ireland peace process. It caused a hardening in the relationship between the Taoiseach Bertie Ahern and the Sinn Féin representatives Gerry Adams and Martin McGuinness. Although Cunningham and several others were eventually convicted of crimes uncovered during the investigation, nobody has ever been held directly responsible for the robbery.This recording reflects the Wikipedia text as of 01:10 UTC on Tuesday, 11 February 2025.For the full current version of the article, see Northern Bank robbery on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Danielle.

Welcome to this morning's OTB Breakfast Bite - your FREE bitesize taster of this morning's Off The Ball Breakfast.On this morning's show, former Scotland captain Greig Laidlaw helped us look ahead to Sunday's game with Ireland at Murrayfield.We also heard from The Roar's Christy Doran for immediate reaction to the news that Joe Schmidt will leave Australia after the Lions tour.Martin Lipton joined us after Arsenal saw the chance for another trophy slip away on Tyneside.And a very special edition of 'You Had To Be There' came from the man responsible for The Day Today, the birth of Alan Partridge, The Thick Of It, Veep and now the stage production of Dr Strangelove - Armando Iannucci.And it's there we take our Bite this morning, with some of Armando's chat with Ger and Colm. And we also sample the Scotland-Ireland chat with Greig.Catch Off The Ball Breakfast LIVE weekday mornings from 7:30am or just search for Off The Ball Breakfast and get the podcast on the Off The Ball app. SUBSCRIBE at OffTheBall.com/join

Welcome to this morning's OTB Breakfast Bite - your FREE bitesize taster of this morning's Off The Ball Breakfast.On this morning's show, former Scotland captain Greig Laidlaw helped us look ahead to Sunday's game with Ireland at Murrayfield.We also heard from The Roar's Christy Doran for immediate reaction to the news that Joe Schmidt will leave Australia after the Lions tour.Martin Lipton joined us after Arsenal saw the chance for another trophy slip away on Tyneside.And a very special edition of 'You Had To Be There' came from the man responsible for The Day Today, the birth of Alan Partridge, The Thick Of It, Veep and now the stage production of Dr Strangelove - Armando Iannucci.And it's there we take our Bite this morning, with some of Armando's chat with Ger and Colm. And we also sample the Scotland-Ireland chat with Greig.Catch Off The Ball Breakfast LIVE weekday mornings from 7:30am or just search for Off The Ball Breakfast and get the podcast on the Off The Ball app. SUBSCRIBE at OffTheBall.com/join

“Of all the small nations of this earth, perhaps only the ancient Greeks surpass the Scots in their contribution to mankind.” ~ Winston Churchill Guest Introduction:  Welcome to Exploring the Seasons of Life: Travel Edition! I'm Cindy MacMillan, your host and the owner of Pangea World Travel Agency, a boutique travel agency on the beautiful Space Coast of Florida. Today, as I record this episode on January 16, 2025, I'm thrilled to share details of an incredible group trip you won't want to miss. Let me introduce the 2025 Taste of Scotland & Ireland, a 10-day, 9-night group adventure starting on September 19, 2025. Imagine savoring a whisky tasting, marveling at the breathtaking Cliffs of Moher, exploring historic St. Andrews, and enjoying a Medieval Castle Banquet — and that's just the start of this incredible itinerary. This group is perfect for history enthusiasts, culture lovers, scenic explorers and folks who Enjoy meeting new people, engaging with locals, and sharing experiences with a group of like-minded travelers. My guest today is going to walk us through the 2025 Taste of Scotland & Ireland tour with CIE Tours. Here's a glimpse of our conversation:  Now, it's my pleasure to introduce today's guest, Robert Eagles. 2:18  I really felt travel was my passion, so I began looking to get back into the travel industry. I found that CIE Tours had a position open, and the rest is history. 3:28 Founded in 1932, CIE Tours has built a reputation for excellence by delivering signature Irish hospitality. Now, 93 years later, we're proud to still be going strong, sharing the beauty and culture of Ireland with travelers worldwide. 6:21 I would say Paris. In high school, I did a study abroad program in northeastern France, but I only had one day to explore Paris. I've studied French extensively and find French history absolutely fascinating, so Paris holds a special interest for me. 10:25 All of our destinations feature accommodations that are always four-star or higher. Whether it's hotels, manor homes, or even castle stays included on some tours, you can trust that the accommodations will always be of exceptional quality. 11:36 The hotel we're staying at just outside of Edinburgh is called the Dalmahoy Hotel and Country Club. It's absolutely stunning, with beautiful gardens to stroll through, a golf course, and a luxurious leisure club with pool and state-of-the-art gym. It's truly an incredible place to stay. 19:33 You'll visit the Skellig Experience, which focuses on Skellig Michael, one of Ireland's two UNESCO World Heritage Sites. You'll learn about the early Christian hermits who built and lived in this incredibly remote settlement—a truly fascinating part of Ireland's history. 25:11   Our motor coaches are nothing like the ones you might remember from high school. These are luxury coaches, fully equipped with air conditioning and heating tailored to the season of your visit. A special group departure to Taste of Scotland and Ireland 

This episode highlights the top destinations for 2026 golf trips to Scotland, Ireland, and England. You'll also learn some key dates and essential tips to help you navigate the planning process. If a golf trip across the pond is on your radar for 2026, your brief window of opportunity is here. Additional Resources The Complete Guide to 2026 Golf Trips to Scotland, Ireland, and Beyond H&B Yardage Book – In-depth guides covering all aspects of golf travel across the pond. About Haversham & Baker H&B is the leading provider of international golf travel to America's private clubs and their members. Known as the "country club of golf travel," H&B has specialized in Golf and the Good Life in Scotland and beyond since 1991.

In this episode, Connor & D.J. share some news from St. Andrews and recap their annual journeys to Scotland and Ireland. From Dornoch to Portrush, they share the tips, insights, and new discoveries made along the way. Mentioned in this Episode -Royal Dornoch Golf Club -Brora Golf Club -Royal Portrush Golf Club -The Balmoral Edinburgh -Curran Gate Portrush -Rosslyn Chapel -Dunrobin Castle -Giant's Causeway

Considering a golf trip that spans both Scotland and Ireland? While combining these iconic destinations isn't the ideal choice for everyone, it's an itinerary that's growing in popularity—and it's achievable with the right approach. In this episode, Connor & D.J. discuss the factors to consider when planning such a journey, from time and travel logistics to selecting the best regions for a combined Scotland & Ireland itinerary. Additional Resources Scotland & Ireland: How to Play Both Countries in a Combined Golf Trip

In this episode of The Sound of Economics, Rebecca Christie sits down with Tony Connelly, Europe editor of Irish public service broadcaster RTÉ, and David Gow, who chairs the Royal Society of Edinburgh's EU-Scotland initiative. They discuss EU-UK relations after Brexit, how Scotland, Northern Ireland and Wales fit into the picture, upcoming British elections, and long-term prospects for Irish unity. This episode was recorded on 6 June 2024.

Today the boys consider Sunak's extremist claims, Labour flying in candidates for Scottish seats, anti-immigration attitudes in Ireland and the latest polls for Trump/Biden in the USA. At the end of the show a question from James Doonan. Recommendations: Stuart Every Move You Make - Book - C. L. Taylor Keep your friends close and your enemies closer… Alexandra, Lucy, Bridget, River and Natalie. Five friends who wish they'd never met. Because the one thing they have in common is the worst thing in their lives: they are all being stalked. When one of their group is murdered, days after their stalker is released from prison, time stands still for them all. They know their lives could end just as brutally at any moment – all it takes is for the people they fear the most to catch up with them. When the group receive a threat that one of them will die in ten days' time, the terror that stalks their daily lives becomes all-consuming. But they know they don't want to be victims anymore – it's time to turn the tables and finally get their revenge. Because the only way to stop a stalker is to become one yourself…  The multimillion bestseller returns with her most propulsive and addictive book yet. A chilling and terrifyingly real thriller that will keep you up all night – and looking over your shoulder for days to come… Eamonn Ian Fleming: The Complete Man - Book - Nicholas Shakespeare A fresh portrait of the man behind James Bond, and his enduring impact, by an award-winning biographer with unprecedented access to the Fleming family papers. Ian Fleming's greatest creation, James Bond, has had an enormous and ongoing impact on our culture. What Bond represents about ideas of masculinity, the British national psyche and global politics has shifted over time, as has the interpretation of the life of his author. But Fleming himself was more mysterious and subtle than anything he wrote. Ian's childhood with his gifted brother Peter and his extraordinary mother set the pattern for his ambition to be 'the complete man', and he would strive for the means to achieve this 'completeness' all his life. Only a thriller writer for his last twelve years, his dramatic personal life and impressive career in Naval Intelligence put him at the heart of critical moments in world history, while also providing rich inspiration for his fiction. Nicholas Shakespeare is one of the most gifted biographers working today. His talent for uncovering new material that casts fresh light on his subjects is fully evident in this masterful, definitive biography.

We get last week's biggest celebs in Norwegian Rugby - Sonny and Jymaal - on the show to tell us about the match against the Netherlands, lining up with each other and preview this weekend's Grand Final: Lillestrøm Lions vs Haugesund Sea Eagles.We talk some world cup fantasy and Jack attempts to hype up the Scotland Ireland game. enjoytbaje Hosted on Acast. See acast.com/privacy for more information.

Originally from Los Angeles, California, Natalie Cox currently lives in Gilbert, Arizona. She is the mother of five kids ages 10, 14, 16, 18, and 19, and a new missionary mom. Her son left for the Columbus Ohio mission last month and her daughter will leave for the Scotland Ireland mission next month. She is an entrepreneur at heart and has started a few businesses over the years. In 2019 she launched Māedn Bags and running that keeps her pretty busy during the week. At church, Natalie has served in many capacities in Primary, as the first counselor in stake Primary and then as the stake Primary president. She is currently serving as ward Young Women president and considers it an honor to work with the young women. She loves the youth and spending time with them on Wednesdays and Sundays is the highlight of her week. Links There is already a discussion started about this podcast. Share your thoughts HERE. Watch on YouTube Transcript coming soon Get 14-day access to the Core Leader Library Highlights 02:15 Kurt introduces Natalie and her background. 03:40 Getting called as Young Women president in her ward. Natalie felt very strongly that she needed to serve in Young Women even though she was the stake Primary president. She discussed it with her bishop. 09:20 Natalie started her calling terrified and unsure what to even say to the girls. 12:10 Establishing a relationship with the young women. Natalie describes what it looked like for her as she tried to build these relationships with each girl. 15:50 Silent ministering. No one knows who is ministering to whom. Not everyone had a silent minister but some girls that were struggling did. None of them knew the term silent minister because then they would question if it was authentic or not. 21:45 While it's not allowed, Natalie personally believes in texting individuals. She says that there is nothing more powerful for her relationship with them. She sends encouragement, that she misses them, and asks them how school is going. 23:40 Should we always stick with the rules? What if we feel inspired to go against the rules? 26:00 Natalie takes some of the girls on one-on-ones. It started because a mother reached out to her and asked her to take her daughter on one. It's an incredible way to get to know them, tell them why they matter, tell them what you see in them. 28:20 The positive development of any young person requires three additional adult influences other than their parents. 29:10 There are rules and we want to keep everyone safe but the things Natalie is trying to do are for the benefit of the youth and are deepening the relationships there. Maybe the best way is for leaders to always ask parent permission. 32:10 Natalie's ward has a lot of girls. There have been 28 girls in just the oldest class (31 next January) and it's nearly impossible to connect with all of them without taking extra steps. 33:10 Leaders are terrified of teenage girls. Just remember that it's not about you and it's all about them. 35:40 Some youth are so hard to reach. Natalie shares an experience she had with a girl in her young women. Natalie kept reaching out to her but never got a response until six months later. The girl sent her a heartfelt message thanking her. The moral of the story is that you might not be getting a lot of feedback but what you are doing matters. 38:30 Working together as Young Women and Young Men organizations 43:00 Natalie really wanted the young women to be greeters and help them have purpose and interact with the adults. The bishop said no but the feeling kept nagging her. She gave it some time and the bishop finally agreed. Remember that impressions can be different for each leader and to give it time. 46:45 Natalie explains how they involve the young women in ministering. They call it ministering bread. 49:00 Natalie shares her final thoughts on leadership and how serving has blessed her.

Originally from Los Angeles, California, Natalie Cox currently lives in Gilbert, Arizona. She is the mother of five kids ages 10, 14, 16, 18, and 19, and a new missionary mom. Her son left for the Columbus Ohio mission last month and her daughter will leave for the Scotland Ireland mission next month. She is an entrepreneur at heart and has started a few businesses over the years. In 2019 she launched Māedn Bags and running that keeps her pretty busy during the week. At church, Natalie has served in many capacities in Primary, as the first counselor in stake Primary and then as the stake Primary president. She is currently serving as ward Young Women president and considers it an honor to work with the young women. She loves the youth and spending time with them on Wednesdays and Sundays is the highlight of her week. Highlights 02:15 Kurt introduces Natalie and her background. 03:40 Getting called as Young Women president in her ward. Natalie felt very strongly that she needed to serve in Young Women even though she was the stake Primary president. She discussed it with her bishop. 09:20 Natalie started her calling terrified and unsure what to even say to the girls. 12:10 Establishing a relationship with the young women. Natalie describes what it looked like for her as she tried to build these relationships with each girl. 15:50 Silent ministering. No one knows who is ministering to whom. Not everyone had a silent minister but some girls that were struggling did. None of them knew the term silent minister because then they would question if it was authentic or not. 21:45 While it's not allowed, Natalie personally believes in texting individuals. She says that there is nothing more powerful for her relationship with them. She sends encouragement, that she misses them, and asks them how school is going. 23:40 Should we always stick with the rules? What if we feel inspired to go against the rules? 26:00 Natalie takes some of the girls on one-on-ones. It started because a mother reached out to her and asked her to take her daughter on one. It's an incredible way to get to know them, tell them why they matter, tell them what you see in them. 28:20 The positive development of any young person requires three additional adult influences other than their parents. 29:10 There are rules and we want to keep everyone safe but the things Natalie is trying to do are for the benefit of the youth and are deepening the relationships there. Maybe the best way is for leaders to always ask parent permission. 32:10 Natalie's ward has a lot of girls. There have been 28 girls in just the oldest class (31 next January) and it's nearly impossible to connect with all of them without taking extra steps. 33:10 Leaders are terrified of teenage girls. Just remember that it's not about you and it's all about them. 35:40 Some youth are so hard to reach. Natalie shares an experience she had with a girl in her young women. Natalie kept reaching out to her but never got a response until six months later. The girl sent her a heartfelt message thanking her. The moral of the story is that you might not be getting a lot of feedback but what you are doing matters. 38:30 Working together as Young Women and Young Men organizations 43:00 Natalie really wanted the young women to be greeters and help them have purpose and interact with the adults. The bishop said no but the feeling kept nagging her. She gave it some time and the bishop finally agreed. Remember that impressions can be different for each leader and to give it time. 46:45 Natalie explains how they involve the young women in ministering. They call it ministering bread. 49:00 Natalie shares her final thoughts on leadership and how serving has blessed her. Links TRANSCRIPT coming soon Watch on YouTube Get 14-day access to the Core Leader Library The Leading Saints Podcast is one of the top independent Latter-day Saints podcasts as par...

When golf trips call for a little time off the course, whisky tours are the most requested activity by H&B travelers. In this episode, Connor & D.J. explore some of our favorite pairings of golf and whisky in Scotland and Ireland. The two greatest exports from both countries are the very definition of a Perfect Pairing. Additional Resources Golf & Whisky in Scotland - 7 Perfect Pairings Golf & Whiskey in Ireland - 5 Perfect Pairings Mentioned in this Episode Ireland Teeling Distillery Bushmills Distillery Jameson Experience Scotland Glenmorangie Distillery Kingsbarns Distillery Laphroaig Distillery Springbank Distillery

From a shared Celtic past, to their politically and economically developed present, there is much that links Scotland and Ireland. The cultural and historical ties between Scotland and Northern Ireland are particularly close. In the past 10 years, and recently accelerated by Brexit, discussion and debate around the UK's constitutional future have intensified. In particular, questions arise as to the impact that Scottish constitutional change would have on its relationship with Ireland, and what the implications of any such change would be for Northern Ireland. In this panel discussion, leading politicians and academics from Scotland, Northern Ireland, and Ireland discuss the Scotland-Ireland relationship, and the likely implications of Scottish constitutional change for Northern Ireland. About the Speakers: Mhairi Black is the SNP Member of Parliament for Paisley and Renfrewshire South. Since December 2022 she has also been the SNP Deputy Leader in the House of Commons. Ms Black was first elected as a Member of Parliament in the 2015 General Election while she was still completing her undergraduate degree at the University of Glasgow. At 20 years old, she was the youngest MP to be elected since the 1832 Reform Act and she remained the “Baby of the House” until 2019. Ms Black was reelected as a Member of Parliament in both the 2017 and 2019 General Elections. Mike Nesbitt is the UUP Member of the Legislative Assembly for Strangford. He was first elected to the Northern Ireland Assembly in 2011, following a successful career in broadcasting for the BBC and UTV. Mr Nesbitt was elected as leader of the UUP in 2012. His time as leader coincided with several significant events in Northern Irish politics, including the decision of the United Kingdom to leave the European Union, the 2016 centenaries of the Battle of the Somme and the Easter Rising, and the collapse of Stormont over the RHI scandal. Mr Nesbitt's leadership of the UUP was notable for his engagement with political nationalism and with Irish culture and heritage in Northern Ireland. Nicola McEwen is the Professor of Public Policy in the University of Glasgow. Between 2001 and 2022, she taught politics at the University of Edinburgh, where she became Professor of Territorial Politics in 2014. She was also a founding co-director at the Centre for Constitutional Change, a leading Centre for the study of research the United Kingdom's changing constitutional relationships. From 2019-2022, she led a major research project at the Centre, titled “A Family of Nations? Brexit, Devolution and the Union”. Professor McEwen has published widely on territorial politics, Scottish politics, devolution, identity politics, and nationalism. Graham Walker is an Emeritus Professor at the School of History, Anthropology, Philosophy and Politics at Queen's University Belfast. His research interests include the political history and contemporary politics of Scotland and Northern Ireland, particularly the politics of Unionism, religious identity in Scotland and Northern Ireland, and the history and contemporary role of the Labour movement in the United Kingdom. He has published extensively on Scottish and Northern Irish politics, and most recently co-authored “Ties that Bind? Scotland, NI and the Union”, which examines the interaction and interdependence of politics in the devolved jurisdictions of Scotland and Northern Ireland. Dr Paul Gillespie directs the “Constitutional Futures after Brexit” Project in UCD's Centre for Peace and Conflict Research (formerly the Institute for British-Irish Studies). Dr Gillespie is also a columnist, and a former foreign-policy editor, with The Irish Times. He has published widely on British-Irish relations, European integration issues, Irish foreign policy, and Europe-Asia relations, and he is co-editor of “Britain and Europe: The Endgame: An Irish Perspective”. Dr Gillespie is also a longstanding member of the IIEA's UK Group.

Connor and D.J. share everything you need to know about caddies for golf trips to Scotland, Ireland, and Beyond. By the end of the episode, you'll know everything from the suggested gratuity to how to boost the odds that the best caddie ends up with your bag. Additional Resources Caddie FAQs for Golf Trips to Scotland, Ireland, and England

Connor & D.J. share everything you need to know about packing for a golf trip to Scotland, Ireland, and Beyond. By the end of the episode, you'll know what to bring, what you should leave behind, and how a common packing mistake could even affect your scorecards during the trip. Additional Resources What to Pack for a Golf Trip to Scotland, Ireland, and England 5 Reasons to Ship Your Golf Clubs Across the Pond How to Pack Your Golf Travel Bag

Thanks to the current unprecedented demand for travel, many golfers have already started to look ahead to 2024 golf trips to Scotland, Ireland, and England. If early inquiries and bookings are any indication, 2024 will once again see a record number of golfers visit the great links courses overseas. In this episode of Golf and the Good Life, Connor and D.J. provide an in-depth look at planning for 2024 golf trips across the pond, as well as some of the important dates and other information to keep in mind along the way. For additional reading, visit the link below for our complete guide to 2024 golf trips. https://www.haversham.com/bakers-blog/best-golf-trips-2024/

Joe Molloy was joined by former Leinster, Connacht and Harlequins player Andy Dunne to on Wednesday Night Rugby. (02:00) Munster's Ben Healy is on his way to Edinburgh (and the Scotland NT?) (16:00) With Carbery at #10, who will be Ireland's Six Nations back-up? (25:00) Jack Carty underwhelms as Leinster outdo "workman-like" Connacht. (34:00) 'Terrible, appalling, soft': Ulster have serious issues to address. Rugby in association with Vodafone | #TeamOfUs

Pat Nevin joined Joe Molloy to talk Arsenal's positive start (00:00:00 - 00:10:00), Leicester's worrying decline and Spurs' lack of Spurs-iness (00:11:00 - 00:16:00) plus the Republic of Ireland's trip to take on Scotland (00:16:00 - 00:20:00). Football w/ Sky

The lads kick off a busy international window by previewing Ireland's trip to Glasgow.

To Love a Viking by Heather Day Gilbert and Jen Cudmore has been released, and I got to chat with them about it last week. Guys, this series!  If the Christian influence on Viking history isn't enough, what about adventure, fight scenes, and romance that won't make you blush? How about that a damsel is in distress and… gets rescued by another woman instead of the stereotypical DUDE! Listen in! Note: links may be affiliate links that provide me with a small commission at no extra expense to you. Are You Ready for an Exciting New Viking Series from 2 Great Authors?   One of the biggest surprises I recall from researching books by different authors was that the cozy mystery and suspense author I liked and respected, Heather Day Gilbert, had also written historical Viking books! I made the erroneous assumption that they were romance and skipped them (for the time being… I knew I'd read them some day), and then something happened. A few months ago, I saw this cover.  With Heather's name on it.  And some other gal I hadn't heard of–Jen Cudmore.  What is this deliciousness?  The cover was AMAZING… not stereotypical nor was it inauthentic.  It was just GOOD (not to mention gorgeous) and with the Celtic frame (the Vikings did go over to Scotland/Ireland after all), I just felt like it hit all the sweet spots. Well… the book is here, folks.  And I've got a copy in my hot little hands.  No, really. It's July. And I live in the desert.  My hands are totally hot and in totally all the wrong ways. Just throwin' that out there. Anyway, Heather and Jen chatted with me about To Love a Viking, and oh my!  This book sounds fabulous. We know Viking women were strong. Even those that weren't warriors had to survive Nordic winters. Ergo, strong.  But what about strong enough to build a new society with people they'd once fought against. Oh, and rescue a damsel in distress #BecauseYeah! I'm ready to dive in to To Love a Viking myself, and I hope you'll grab a copy, too. It promises to be incredible. To Love a Viking by Heather Day Gilbert and Jen Cudmore Get swept up in an enthralling new romance series featuring women who rule the hearts of Viking men. ELLISIF Forced into a financially advantageous marriage that spirals into a nightmare, Ellisif cannot help but imagine what might have been and ache for what was lost. The only lights in her life are her daughters and the friendships she's forged with the household servants. Though seven years have passed since Ellisif wed another man, Dagar still cannot forget the woman who captured his youthful heart. As the Viking warrior battles for his country's future, he finds himself entangled in a personal war for Ellisif's freedom that could cost his family their reputation and standing with the king. If he risks all, can he save the woman whose face still haunts his dreams? And if given another chance, will she choose him? INARA Escaped slave Inara is determined to start a new life. Under the guidance of warrior and shipbuilder Håkon, her sword skill grows, as does her confidence that the Viking men will accept her as a warrior in her own right. When she is selected to lead a perilous rescue mission to protect Ellisif, Inara finds herself blindsided by feelings for Håkon…and by threats to her freedom far closer than she feared. As dreams and desires collide, she wrestles against the lies holding her captive. Can she conquer her doubts before all that she's hoped for slips from her hands? Written by award-winning historical author Heather Day Gilbert and fresh voice Jen Cudmore, two love stories entwine in this sweeping Viking-era romance, the first novel in the Tavland Vikings series. You can find out more about the series and the authors on Heather's WEBSITE. Like to listen on the go? You can find Because Fiction Podcast at: Apple  Castbox  Google Play Libsyn  RSS Spotify Stitcher Amazon and more!

Scotland Ireland reaction; I Never Saw That Coming; Who Did Harry Houdini Really Support? With Stuart, Tam and Adam Miller.

Murray Kinsella, Bernard Jackman and Gavan Casey preview Scotland-Ireland and the potential medium-term ramifications of this single game for both countries. The lads also chat about the potential, or lack thereof, for French wheels to come off in Twickenham, and the latest lull in the Eddie Jones era; plus CVC's €426m investment in the Six Nations and its potential impact -- good and bad -- on the future of the game; as well as Leinster's new tactical approach to Pro14 dominance and how far away Munster really are ahead of the final.

Tuesday's #OTBAM podcast - Jack Byrne joins us from Cyprus and we're chatting to Phil Healy and her coach Shane McCormack. There's Football with Graham Hunter and we're focusing on Chelsea with Phil Egan. Plenty of Rugby too as we build-up to Scotland-Ireland in the Six Nations - there's all of that and much more. Timestamps below. Catch OTB's sports breakfast show LIVE weekday mornings from 7:30am. - 01:00 - LIVE with Ger and Eoin - the new Champions League, and the Lions to save the UK? - 15:30 - Chelsea stars and Sports latest with Phil Egan. - 23:20 - Champions League with Graham Hunter - Barcelona, Sevilla-Dortmund and more. - 41:50 - Sports Pages. - 49:20 - The Jack Byrne interview - life in Cyprus, Ireland future, Big Mick. - 1:10:30 - Sports News with John Duggan. - 1:17:50 - The Tight Five with Neil Treacy. - 1:40:00 - Phil Healy on the European Indoors and her coach Shane McCormack. Have you got anything for the OTB AM agenda this week? Let us know in the live comments or Whatsapp the show at 087 9 180180, or email AM@offtheball.com! SUBSCRIBE and FOLLOW the OTB AM podcast. #OTBAM is live weekday mornings from 7:30am across Off The Ball, in association with Gillette | #MadeOfWhatMatters

Tuiloma Gayle Lafaiali’i is from the villages of Sapunaoa and Lalomanu in the district of Falealili, Upolu Samoa on her mother's side and Scotland/Ireland on her dad's side, and was born in Auckland raised in Wellington and is a graduate of Victoria University. ​She has over 20 years work experience in the New Zealand Tertiary Education sector, including seven years at NZQA as the Senior Advisor Pasifika.  ​An experienced senior leader across a range of Private Training Establishments, Tuiloma managed facilities and operations at Laidlaw College (formerly the Bible College of NZ), was General Manager at The Learning Post (an eLearning training Provider) and Academic Director at Educol.  ​Tuiloma is married to Toleafoa Sefa Lafaiali’i, and her other fulltime job is raising their daughter and two dogs Koko Samoa and Milo. See omnystudio.com/listener for privacy information.

Benedict Spence starts the show. Willie Rennie, Leader of the Scottish Liberal Democrats, talks to Mike about the impact lockdown is having in Scotland. Baroness Kate Hoey discusses Joe Biden and his opposition of a guarded border between Ireland and Northern Ireland. Howard calls in to speak to Mike about the tier announcement. Damien Green and Mike review the latest news about Kent. See acast.com/privacy for privacy and opt-out information.

In this episode, I interview Patrick Maguire, the Master Distiller for Sullivans Cove Distillery in Hobart, Tasmania, and the Chairman of the Tasmanian Whisky Producers Association in 2012. Sullivans Cove was one of the first craft distilleries of commercial scale in Australia founded in 1996, sold in 1999, and went into liquidation in 2003 when Patrick and a few investors salvaged it.  Closing the cellar door in Central Hobart and moving the distillery twenty minutes out of town into an industrial park, they invested heavily in production with a big focus on quality spirit and then marketing. In 2014, they won Best Single Malt Whiskey in the world, the first distillery to do so outside whisky’s traditional homes of Scotland, Ireland, and Japan. A year later, they opened the cellar door and a year after that, the business was sold again to the current owners, and Patrick left the business in late 2019.  The business grew from a handful of full-time employees to nine, down to just two after liquidation, and now twenty-three. He believes the hardest thing in growing a small business is keeping an eye on cash flow. The advice he would give himself on day one of starting in business is, “Back yourself. Have a plan. Stick to the plan. You’ll go through times where you hate yourself for doing what you’re doing, but it will all work out” Stay tuned for more on Patrick’s inspiring small business growth journey.  This Cast Covers: His business backstory and how everything led him into the distilling business. The uphill task of getting Australians and the world to buy Tasmanian whisky at a time when it was not so popular. Overcoming the initial production nightmare by moving to a better location and improving on marketing to increase sales. The patience all the partners had to master until the business was cash-flow positive. Educating Australians about whisky and scotch, and the support they got from the Tasmanian state government. Valuable feedback they got from Asian importers, distributors, and retailers about their scotch and how it helped them improve their branding. The value of investing in proper marketing and ensuring that the production and marketing teams are always on the same page. Taking time to allow their spirit to mature and get credibility for their whisky. Getting published in the whisky bible and achieving three liquid gold awards. Learning a lot from how different markets determine what product is worth buying. Becoming the first distillery outside of Scotland, Japan, or Ireland (And the first one in the Southern Hemisphere) to win Best Single Malt. The three reasons why 90% of their sales went overseas. Defying warnings from wholesalers to sell their annual stocks through Dan Murphy’s. Losing 25% to 30% of their margin to get funding to cover their tax bill. The real game-changer that had them bottling every single day. Growing the team from 12 full-time employees to 22 and their casks to their current five warehouses. Their moment of success: Winning different awards, setting things up properly, having a great crew, becoming a top brand, and selling the business. The frustrations they went through trying to sell in the Australian market. The importance of the people a business owner employs and setting up a dynamic within the team. How managing the massive business growth led him farther and farther away from the team. The difference in how a business operates once their brand becomes successful. Having a business plan from the very start and sticking to it. HR Tips: Don’t bring on relatives unless they have some value that they can offer. Having board directors based in the US, UK, and Spain, and the importance of constant and transparent communication. Cash is king: Keeping an eye on cash flow, sticking to the business plan, and not spending beyond your needs Music from https://filmmusic.io "Cold Funk" by Kevin MacLeod (https://incompetech.com). License: CC BY (http://creativecommons.org/licenses/by/4.0/

Let's explore the history and culture of the different regions of The British Isles.Show notes page - https://levelupenglish.school/podcast58Become a Level Up Member - https://levelupenglish.schoolTranscript - https://levelupenglish.school/transcripts (Members Only)Get your free $10 for lessons on italki by clicking here - https://tinyurl.com/ydx3jo3v

Elis, Mike and Steff return to the bar replete with clips of old sport from YouTube, a sports documentary and 3 sports books.This week, Donald Trump & the USFL, rugby kickers in the 1980s and boxing in a maximum security prison.If you want to get involved then drop the boys a line on Twitter @distantpod If you want free beer then head to www.beer52.com/distant to claim your 8 free beers. Leave us a five star review and a guess at who The Secret Guitarist is on here.Here's the links to the clips from the episode.Round 1 of ClipsElis - Paul Thorburn's kick for Wales v Scotland in 1986 https://www.youtube.com/watch?v=O6tdn5IGJbsMike- TV presenter Terry Wogan holes the world's longest televised putthttps://www.youtube.com/watch?v=IcKwHhEtgEw&feature=youtu.beSteff - James Scott who boxed live on TV while serving 30-40 years in prison https://www.youtube.com/watch?v=55lbiwAnpkk&t=83sThis week's DocumentaryMike chose Small Potatoes: Who Killed the USFL https://www.espnplayer.com/video/small-potatoes-who-killed-the-usfl Round 2 of ClipsEis - Steve Robinson wins the WBO featherweight Title.https://www.youtube.com/watch?v=H4LN5O7gbAc Steff - Wales & England v Scotland & Ireland 1980https://www.youtube.com/watch?v=gumEjYvP3Ac&t=3sMike - Daley Thompson wins Gold at the 1984 Olympics. https://youtu.be/vPhhuQLHGWABooksElis - The Football Man: People & Passions in Soccer by Arthur Hopcraft https://amzn.to/2Tw8tO1Mike - Friday Night Lights: A Town, a Team, and a Dream by H. G. Bissinger https://amzn.to/2TsdWW2Steff - Barbarian Days: A Surfing Life by William Finnegan https://amzn.to/3eamMQ8

The second part of our first live podcast from Bracken House. Our panel answers questions from listeners on whether we’re heading for a united Ireland, what will happen in the next Scottish elections, whether politics is becoming too cultish, what Bernie Sanders would do for a UK-US trade deal and much more. Presented by Sebastian Payne, with George Parker, Robert Shrimsley, Miranda Green and Jim Pickard. Produced by Anna Dedhar and Jack Denton See acast.com/privacy for privacy and opt-out information.

Wales v England - full preview and a Quiz based on the rivalryFrance v Scotland Ireland v ItalyPremiership, Pro14, Super RugbyThe weeks rugby news See acast.com/privacy for privacy and opt-out information.

Randy Lee, winner of the controversial inaugural DraftKings Sports Betting National Championship joins Brant James and Ryan Butler to discuss his win and how many buffalo $1.1 million can buy. Part 2 with Gambling.com Group Plc founder and CEO Charles Gillespie and the last shards of Super Bowl LIII. A lively debate on getting late-game calls right, for the sake of the game and the health of the wagering public. And Ryan is confronted with the Scotland-Ireland 3-way.  

Not all deals get funded and they don’t all get put in front of the right people, the decision makers. In today’s episode of The How To Raise Money Podcast Ray and Nigel bring you the ninja tactics you can use to get your pitch, proposal or presentation to the top of the list.   Ray and Nigel share with you experiences from real life deals and discuss the key learnings from successful pitches. Learn what to do and what not to do when pitching and discover the four things you can do to stand out from the crowd and secure investment. KEY TAKEAWAYS Four Things To Help You Stand Out” 1. To present well on paper. 2. Offer an amazing deal. 3. Know the right people. 4. Present well in person. Consider: What is it Why are we doing it How are we doing to do it What if it doesn't go well When is it needed Who you are and why you have expertise   How To Construct A Pitch: Framing and frame control. Status of the people involved Hot cognitions Eliminating neediness Social dynamic Self-confidence BEST MOMENTS "To stand out you need to be better than the next guy" - Vince Lombardi "Winners never quit and quitters never win" - Vince Lombardi "The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather a lack of will. - Vince Lombardi "Chances are any investor or lender will see you on paper before they see you." “Answer who, why, what and when, when presenting yourself on paper” “You've been pitching the wrong way” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ Pitch Anything: An Innovative Method for Presenting, Persuading, and Winning the Deal - https://www.amazon.co.uk/Pitch-Anything-Innovative-Presenting-Persuading/dp/0071752854 C.R.E.S.T model   ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK.   Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

In this episode Ray and Nigel welcome special guest Fredrik Sandvall, who is an entrepreneurial individual with multiple business interests including property development and a global sales consultancy. He has raised money for projects in a number of ways including crowd- funding. Tune in to hear Fredrik discusses the key ‘game changers’ you need to know to grow your business. Fredrik also reflects on the vital components required in business and in life to make substantial leaps forward. KEY TAKEAWAYS The hardest thing for people to do in business is to learn how to get out of their own way. Understanding that you do not need to do everything yourself is a game changer when growing a business Getting other people involved and moving from the knowing part to the doing part is a vital part of a team work approach. Organisations such as Progressive Property and PIN offer stability and structure around property investment, they are encouraging, pulling up and helping others. Trusting other people through delegation and leadership, giving those people the freedom to do what they should do and the accountability that goes with it is key to growth. You must  learn to let go, micro-managing is a hinderance if you are looking for extreme growth Working with other people’s money is about trust. You can create trust by doing great deals, giving value and through sharing your knowledge which demonstrates you know what you’re talking about. If you share your knowledge willingly people will want to work with you. Learning how to ask for money can be challenging, if you have a fear of rejection. What’s the worst that can happen when you ask for the money ? they can say no but it might only be no at this time. Following up with the ‘why’ question and digging a bit deeper could mean you find yourself with a different deal. Every deal is unique, in both how turns out and how it happens BEST MOMENTS “Ive always been very curious, that curiosity took me into special forces” “Then all of a sudden you’ve got yourself a deal again” “Hardest thing for people to do is get out of their own way” “Everyone reaching back and pulling up” “Daring to ask for the money” “Trust is the new currency” “A cumulative compound effect of doing this deal and that deal giving good returns -networking  the trust”    VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ https://fredriksandvall.com/ Main interests include Partner - Sandvall Invest Ltd a property holding company www.sandvallinvest.com Managing Director - Global Sales Consulting Ltd www.globalsalesconsulting.com Business Development Manager for London - Multi-Let UK www.multi-let.co.uk Property Investors Network - Mastermind Facilitator and Coach http://www.propertyinvestorsnetwork.co.uk/ Various other director and advisory positions in a couple of other companies Financial services, Outsourcing, IT start-up and property companies. Non for profit: Junior MBA teaching younger persons about entrepreneurship  https://www.facebook.com/JuniorMBAglobal/    ABOUT THE HOSTS Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on pro

The common challenge for borrowers is not being able to meet the deadline. Now, what do you do if you can’t pay back in time? Don’t panic and stay calm! On today’s episode of How To Raise Money Podcast, Ray gives you tips and strategies to find the best solutions to your energy-draining crisis. Learn how to do the first step: finding the root cause so you solve the real problem. Taking actions carelessly might worsen it so learn how to distinguish assumptions from facts. Then, discover how buying yourself time and creating options for yourself can help you arrive at sound decisions. Remember to not rush into things, make sure you’re in the right mindset and you have all the information you need. KEY TAKEAWAYS "Solving the wrong problem can only make things worse." Find the root first cause before solving a problem. Don't let your emotions, assumptions, opinions, or bias get ahead of you. We stop thinking critically when we let emotions win. Change the problem into a question. What can I do that will have the greatest impact? What would a wise person do? What's the best way to solve this problem? Approach it through a contrarian's view. Do the opposite. Study the pattern because the solution might reveal itself. Look at the track record of the clients. Were always delays beforehand? "If you're running a business, you must be cautious about deleting opinions, including your own." Always look for the facts. It's much easier to make sound decisions. Facts are not necessarily the truths. Facts can lead or mislead you to the truth. Treat facts and the opinions parts of the puzzle so you could arrive at the truth. In any crisis, the first thing you look at is time. Don’t rush yourself in making important decisions. Take your time and don’t let other people influence you in doing something. The second thing is to look at your options. Don’t avoid the problem and just walk away. You have to face it in the best way possible. BEST MOMENTS "When you have an agreement, you need to do everything you can to make good in that agreement and to pay it back." "As long as your heart is in the right place and that is what you want to happen, then everything will be okay. it's really the question of communication." "Before you try solving any problem, you need to ensure you're calm and collected. If not, you have to allow yourself time." "In order to solve the right problem, you must discover the truth. Without truth, your actions will be based on assumptions which can be a recipe for disaster." VALUABLE RESOURCES Mark Homer ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk https://www.nigeltbest.com/ co.uk

Ray gives a fascinating insight into his professional journey. He discusses aspects and personal examples of mindset, training and strategy that have contributed to his current expertise and contribution to his “skills stack”. Ray encourages the audience to think carefully about what we can do to progress successfully towards our chosen goals and some of the reasons that may block us from moving forward and how to make changes. KEY TAKEAWAYS Mindset is key to changing your outcomes and achieving goals. Everytime we don’t do anything our goals actually move further away. There are ways of ‘dialling up your successes’ to move closer to your goals. The Principles of gestalt, the often overlooked principles connected with how the brain seeks to make sense of chaos. We view things and possibilities connected with our skills and expertise for example following a course on property conversion we will see the possibilities for conversions all around us. The importance of continuing to develop our expertise and knowledge supports the journey of success. A clear vision and understanding your values are key drivers for success. High net individuals are always able to articulate these and frequently revisit them as part of their routines. Knowing what you want and where you are going to be Mentoring - working with others is key to moving things along. It’s important to belong to groups with people who are in the same work arena as you. Working with other people means they can both hold you to account and can offer support this is key to moving towards your goals. The use of a best self Journal is evident amongst high net individuals. It can take different formats but enables individuals to effectively document goals, their vision and things they are grateful for. The process of expressing gratitude for what you have is vital in changing mindset. If you are expressing gratitude for something you have then you are not dwelling on things you do not have. BEST MOMENTS “If anyone tells you there’s a get rich quick, there isn’t, it’s small increments - little steps that turn the dial-up” “Each time you don’t do something it’s (your goal) moving further away” “They see things you don’t see because of their skill and knowledge” “We are creatures in a community” “Biggest change in my life, joining the mastermind group” “Small step towards goals each time you do something different” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK.

In this episode, Ray and Nigel discuss the varying influences on investors and developers in connection with the impending withdrawal of the UK from the EU. They explore a central question of Brexit – uncertainty,  in connection with raising money, along with the possible opportunities for investors and developers. Ray and Nigel offer an insight into aspects of supply and demand in the property sector and discuss why demand will continue to grow. KEY TAKEAWAYS There will always be world events that create uncertainty. Business want to plan forward and some may use Brexit as an excuse but there were events prior to Brexit and there will be events in the future, there will always be something. Some see the uncertainty about Brexit as an opportunity especially with the underlying factor of 101. Economics 101 - demand and supply. The number of households in the UK is increasing and there is a shortfall of property. A household is defined as a person or persons requiring somewhere to live. Households are changing, with an increase in smaller households, driving the demand for more property. Statistically, the amount of land built on in the UK is very small but the amount of brownfield sites and the potential for development is huge. The section 24 tax changes mean that some portfolio landlords are cashing in and the evidence in some parts of the country indicts that rents are going up. In the podcast by Mark Homer ‘Mark my Words’, comments that as a landlord with a large amount of property in the Peterborough area he has seen an increase of 25% in rent during the last two years confirming the demand is there and rental returns are still strong. The supply of money is good, there is a lot of money out there and the price of money has come down. Big banks are trying to encourage seasoned developers and individuals who know what they’re doing to increase the supply. Businesses think it will be hundreds of smaller developers who will solve the shortage problem and so are keen to invest in the property sector. As lende,rs this sector continues to offer good opportunities to make money. There is too much that people value highly about the UK for Brexit to make demand disappear. Best Moments “Everything goes in cycles, always has done” “Strong demand to live here, so strong demand for somewhere to live” “People still want to make money, Lenders still want to make money, they are not going to shut up shop” “In property the demand is there” “There is too much that people value too highly in the UK for that demand to disappear” “Those that have gone for it are way ahead of the curve and they then take up the market they’ve got the capacity, they can flex, they can take things on and the person who’s delayed loses out” “Statistically the amount of land built on in the UK is very small” “Amount of brownfield sites out there huge” “If the proposal stacks up, like anything else you’ve got the crest model” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ For other podcast episodes mentioned: http://howtoraisemoney.co.uk/category/podcast/ ABOUT THE HOSTS Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have foc

Welcome to another episode of the How To Raise Money Podcast. In today’s episode, Ray and Nigel discuss the investment clock, macroeconomics and if now is the right time for you to invest or simply raise finance. No matter what sector, region or market you’re in, you can analyse your situation on the investment clock. Hear Ray and Nigel discuss the pros and cons of evaluating the investment clock and the fundamentals of the UK property market when it comes to investing in property in today’s economic climate. Learn how to research your market sector and predict the changes in the market. Economical changes usually happen at the top so you can see it coming. KEY TAKEAWAYS The Economic & Investment Clock Boom (22:00 - 00:00) Rising Overseas Reserves Easier Money Rising Real Estate Values Slow Down Area (13:00 - 15:00) Rising Interest Rates Falling Share Prices Falling Commodity Prices Recession (16:00 - 18:00) Falling Overseas Reserves Tighter Money Falling Real Estate Values Recovery (19:00 - 21:00 Falling Interest Rates Rising Share Prices Rising Commodity Prices The clock is always pointing at a different time depending on what sector you’re in. Everyone’s clock, both individual and in business will look different from one another. The investment clock is also regional and can be evaluated at different levels of the economic scale. For example, you can look at the investment clock just in relation to property in London in a particular area. We are not in a slow down, we are not in a recession we are probably moving into a period of boom. This time around there is more private money in the system and more vehicles to move investment around different sectors. Right now in the UK, we have a shortfall of hundreds of thousands of houses each year, it’s supply and demand. This is due to the changes in what determines a household. No longer does a household contain the nuclear family, the of a household has changed over time. Due to the ageing baby boomer population, there is a demand for more housing. This demographic is closing in on retirement and as a result are purchasing more property, such as one bedroom flats. BEST MOMENTS “The thing with property is, you don’t make money when you sell it, you make money when you buy it” “If you want an excuse not to do something, they’re easily found” “Put the headline economic news into perspective” “Macroeconomics looks at individual sectors, the investment clock analyses the whole market.” “The best time to invest was yesterday” “There are two times to plant a tree, twenty years ago, and today” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ Howtobeomeanangel (website) Darren Sherlock - Economist ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit!

In today’s episode, Ray and Nigel discuss how to raise money and the obstacles you may need to overcome to secure investments.  The hosts also delve into the many messages they’ve received and answer some of the most frequently asked questions by the How To Make Money community. KEY TAKEAWAYS The minimum and maximum figures an Angel will invest depends on the business, and three key factors; you, your deal and what the Angel’s position is. Larger investments don’t happen quickly. Even crowd-funding, which appears on the surface to be a rapid solution, can take months of preparation.  Ensuring compliance and promoting the project takes time. Tempting investors with all the information they need beforehand means that when it goes live, they are ready to jump in quickly. The cost of cash depends on the security of the investment among other factors, such as risk, projected returns and length of time. The Angels Den deals mainly in Sterling as their investors are predominantly UK based To secure investment, it helps to do a lot of groundwork and also work closely with the solicitors and banks that will be handling your business. It’s been known to cause problems when large amounts of money suddenly appear in accounts, so it is vital to build and maintain those relationships, so that the Know Your Client (KYC) model that they follow works in practice.  Keep them informed at every stage of your project. BEST MOMENTS  “If it’s your first deal, bank on it taking two or three times longer than you think it will, but previous success accelerates future deals” “When Crowd Funding goes live, there’s already been a lot of work done behind the scenes with promotion through Social Media and email campaigns, along with a lot of compliance.” “First timers will have to go through a lot of hoops to tick all the boxes for solicitors to take them on as clients.” “Keep your bank informed from conception of the idea, all the way through. Listen to Episode #020 where we covered High Street banks.” “Learn more about the CREST model [touched on in this episode] by listening to Episode #007.” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ For other podcast episodes mentioned: http://howtoraisemoney.co.uk/category/podcast/ ABOUT THE HOSTS Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD ray@raisingangelfinance.co.uk maria@raisingangelfinance.co.uk howtoraisemoney.co.uk nigeltbest.com

Welcome to another episode of the How To Raise Money Podcast. Tune in today to hear Ray and Nigel discuss Receivership, Bankruptcy and County Court Judgements and how you can secure investment, even if you have a bad financial track-record or a history with financial difficulty. Your hosts respond to popular demand to answer questions from the How To Raise Money community and provide you with the proven reassurance that anyone can raise finance, start a business and secure investment, if you know how to do it. KEY TAKEAWAYS Just about everyone who you see on TV or present themselves as successful entrepreneurs have been through tough times surrounding finance and financial history.  Even Richard Branson has famously been involved with companies that have been through receivership and bankruptcy. Ensure you are always honest and make your investors, angels, dragons and whales aware of your background, how you got there and remind them of how you will make them money. If you’ve had receivership or bankruptcy against you in the past will it hurt your chances of securing investment? The short answer is No. Depending on the business or investment opportunity investor may invest in you, as the investor and crucial to the success of the deal. Or they may be investing solely in the proposed opportunity and the product or service the company is creating, and therefore your personal history is less relevant. Past mistakes can be dealt with and forgiven. Remember that everyone has at some point had struggles financial. You just need to make sure that your investment opportunity offers an attractive security agreement. Receivership: In law, receivership is a situation in which an institution or enterprise is held by a receiver—a person "placed in the custodial responsibility for the property of others, including tangible and intangible assets and rights"—especially in cases where a company cannot meet financial obligations or enters bankruptcy. Bankruptcy: The legal status of a person or other entity that cannot repay debts to creditors. In most jurisdictions, bankruptcy is imposed by a court order, often initiated by the debtor. BEST MOMENTS “Nobody likes to find out further down the line, don’t keep it a secret” “Investors deal with entrepreneurs seeking finance with track-records both good and bad” “There’s always three sides to every story, your side, their side and what actually happened” “Everything you read in the press is exaggerated and a bit of a story” “Company law is UK wide, it’s not a devolved matter” “Be transparent and do your due diligence weather your and investor, or the one seeking finance” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ CCJ (County Court Judgements) IVA (Individual Voluntary Arrangement) ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangel

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In today’s episode, Ray and Nigel discuss the 8 things they’ve learnt over the first 30 episodes of the How To Raise Money Podcast. Tune in today to listen to your hosts dive into previous episodes of the UK’s #1 finance raising podcast and hear a recap of the best moments yet. PLUS, look forward to hearing more from the guys over the next 40 episodes! of the How To Raise Money Podcast, including interviews with successful Dragons Den winner Levi Roots, HouseCrowd’s Fraser Fearnhead and the Bank of Scotland's Ross Mckeown. KEY TAKEAWAYS Time - How to plan and how time flies. It takes longer than you expect to raise finance and you, therefore, must know the systems, processes and sources you can tap into to secure investor finance. Technology - Some of the cleverest things are sometimes the smallest things. Look forward to a future episode where Ray and Nigel interview head of property crowdfunding platform, HouseCrowd, Fraser Fearnhead. Team - There’s a team of people that help to raise finance and a team of people that help to screen investors, but also a team of people that help to create this podcast. When you’re raising finance to be sure to get educated before you do it. Talent - The people that we’ve met and their reasons why, we’ve interviewed Nigel Primrose, Jim Duffy and Jack Black and they’re always bringing something to the table that improves yourself when looking to raise finance. #008 Interview with Nigel Primrose Tenuous - The link to raising financing isn’t always strong but Ray and Nigel have fun doing it and help to create an environment where learning to raise finance can be easy to learn and entertaining to follow. Trust - Pulled from the C.R.E.S.T model covered in episode #007, Ray and Nigel remind you to be careful with your trust because it can be hard to build up and easy to lose and trust is important to investors and can be the winning factor when pitching for finance. TeaTime Tips - Ray and Nigel are considering re-introducing teatime tips, short sharp shots of information you need to know. Fun - Overall Ray and Nigel have enjoyed the first 30 episodes of the How To Raise Money Podcast and there’s lots more to come. Raising financing is simply if you follow the steps and systems for success. BEST MOMENTS "Put an immovable date in the diary, make it a non-negotiable and make it happen" “If you can understand how people think, and put everything together in a deal, everyone benefits.” “We also use technology to pre-qualify our investors to find out more about them, what they can offer and what they're looking to achieve” “A strong team is more likely to help to achieve what you want to achieve” “It’s amazing how little people value what you’re good at” “If you want something to last a long time, you have to build up trust” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ https://www.thehousecrowd.com/about-us/team How To Raise Money Podcast #037 All about timing #008 Interview with Nigel Primrose #024 Freestyle discussion about debt & beggars #007 The C.R.E.S.T Model #026 Interview with Jim Duffy #022 Why Would an Investor Want Me ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a

So, you’ve approached an investor and after some talks, it is finally ready to seal the deal. In today’s episode of How To Raise Money Podcast, Ray lays out 10 essential items you need to look into when arranging a deal with your investor. There are things that could slow down the deal and you don’t want that to happen. Discover how these will help you not just speed up the deal but also go through the deal smoothly and trouble-free. If done properly, you can ensure that you’ll be raising money for your business in no time. KEY TAKEAWAYS Due Diligence. What slows it down is not having anything available and what speeds it up is having everything available and accessible. To speed up information, create a data room where you could check the activities of the users. Properly name files. Market Research. Create a properly named file with the current date for the investor to be easily understood. Avoid the mistake called ‘Chinese hat theory.’ Chinese hat theory – There are 7 Billion people on the planet, you’ve worked out that 1 Billion wear a hat on a daily basis, so you decided to sell hats since a portion could buy your hat, you're going to make money. This is wrong. Competitor Analysis. Identify your competitors locally and even globally. What makes you different? Why does every competitor copy you? Show your investor how and why you stand out the most among your competitors. Management Team. Know and trust your team. Be brutally honest with them. Though there are many external happenings that will affect your business – Brexit, elections, etc. – you have to have to have a plan in place for the future. Make financial assumptions. Put in best-case and worst-case scenarios. You want to value it as high as you can but investors would look at it differently. To speed things up, ask around how private investors value company in your area and prepare arguments to get the value you’re aiming for. How is it going to be run? You have to be clear who’s going to run it after the investment. Is it just the money or is it more than that you’ll get from the investor? Good Leaver, Bad Leaver. There might be a disconnect between what the investor wants and what you want. The investor might leverage his money to play a big part in the decision-making even though you already have the vision in place. Look at long-term objectives. Negotiating the exact terms of the deal. Negotiate head of terms in conjunction with the solicitor. It will be easier, cheaper, and better for everyone. Find out early as much as possible what the investor wants. Warranties & Indemnities. This is what the investor is looking for firsthand to protect his investment. Be careful about how you structure these. BEST MOMENTS “You need to put down your best calculations as to where you think the business is going to go and what you think is going to drive you forward.” “The rule of thumb: for every pound you spend, you want to increase the value by 3pounds.” ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk nigeltbest.com www.howtoraisemoney.co.uk

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, Ray responds to popular demand to discuss sophisticated investors and high net-worth individuals and how you too, can use his six-point checklist to help identify the sophisticated investors you’re seeking to secure finance from. If you’re looking to raise finance or are frightened of making mistakes when approaching investors this episode is for you. Ray dives into the complete list of checks, that you need to make in order to agree a deal and seal investment. KEY TAKEAWAYS Six point checklist to identify a sophisticated investor or high network individuals. If it is a simple loan or a straightforward transaction the person does not need to be a sophisticated investor for you to work them. However, if you’re offering a share of the profits you are straying into regulated territory and will there forward need to follow this checklist. Do they have a salary of £100,000 a year or more? Do they have £250,000 or more in assets (not including the family home) Are they already a professional investor? A stockbroker or investor involved in finance with a certain level of knowledge around investing? Are they a bonafide investor, angle or dragon already? This could include the investor being involved in boards or forums. Are they directors of a £1 million-plus limited company? Are they a family member or a long-time personal friend? Always remember, the burden of proof is on you, as the person looking to secure investment funds and the poof they give you will need to be kept as part of your due diligence. PS133 FCA (Financial Conduct Authority) place restrictions on the marketing of unregulated investments to members of the public. This is to help you identify a good deal from a bad deal, to protect investors and those seeking investors. BEST MOMENTS “Don’t assume someone is a sophisticated investor” “High Networth Individuals - Individuals holding financial assets with a value larger than £500,000” 360,000 High Net worth Individuals In London 395,000 High Net Worth Individuals In New York VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Companies House ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

Jim Duffy co-founded Entrepreneurial Spark in 2011 with the aim of creating an entrepreneurial revolution across the country. As a best-selling author and entrepreneur, Jim went on to help persuade the Scottish Government to establish the Edge Fund, a £1m award scheme for start-ups. In today’s inspiring interview, your host, Ray ask Jim for his best advice and insights into how to raise money and scale start-ups. Discover how to read people, live by a disciplined code, act empathetically in nature, operate gladiatorial in business and never take your eye off the ball. Learn how to focus on the people behind the business, and the mindsets and behaviours needed to take your start-up to the next level. Tune in to the How To Raise Money podcast to hear this exciting interview. KEY TAKEAWAYS Entrepreneurial Spark is the world's largest free business accelerator offering business support to start-up companies. Founded in Glasgow, Entrepreneurial Spark is funded by private capital, contributions from public sector organisations, and corporate sponsorship. Jim and his co-founder Brian McGuire have helped more than 100 people set up their businesses. Between them, those businesses are creating jobs, earning money and establishing themselves. Ray: What do you think the main obstacles are when it comes to scaling business startups? Jim: Entrepreneurs have an unrealistic expectation around managing cashflow and dealing with money. The biggest thing nowadays is that entrepreneurs need to educate themselves on understanding money and how to manage finance. As an entrepreneur you need to be accountable and know your numbers, otherwise, your investor will bring in their own guy. Ray: What advice would you give to someone looking to scale up their business? Jim: If you’re looking to scale you must have a business model that works, you must understand the investor's money in order to secure finance. If you are looking to secure investment you need to communicate with them and bring them on your companies journey with you. BEST MOMENTS “I told the banks if they wanted to invest, they’d have to move right away” “Having a good pitch is essential when looking to raise finance and you must have a great follow up to make sure you can secure investment. It’s important not to lose sight of the goal and respect the whole process of raising finance, not just the 3-minute pitch.” “It’s about the mindset and skill sets of entrepreneurs,  applied to normal people’s lives.” “Create something new and disrupt the landscape of entrepreneurs.” “Pitching with passion led me to become successful, learn from every question and that will help you in the future.” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ www.entrepreneurial-spark.com/ Create Special: Think and act like an entrepreneur to change your life - Jim Duffy Jimduffy.com ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

In today’s episode, Ray interviews Jack Black, one of the UK’s top motivational speakers, successful author and founder of business and personal development company Mindstore. Ray and Jack discuss the value of a positive mindset and how with just a few simple techniques we can take action, be successful and achieve our goals in life. Discover how Mindstore’s simple teachings can make a profound difference in your life and inspire you to take action and create the future you envisage in your mind. Learn how to harness the power of your mindset and attitude and train yourself to succeed. Ray and Jack dive into the subconscious mindset in this thrilling episode and show you how simple changes, a positive dialogue and the perception of coincidence and lead to magical things and make you a winner. KEY TAKEAWAYS Ray: Can you tell us a bit more about Mindstore? Jack: Mindstore is all about helping people achieve the most out of their lives using five techniques: Managing Stress - the consequences of managing stress incorrectly are worse now than ever before. The attitude - Creating a positive mental attitude. How we see the future - Most of us see the future based on our past results. As a result, we create mundane unambitious goals, we need to set ourselves high goals. How the brain actually works - Simply considering both the left and right side of the brain and how this affects our decision making. Managing emotions - particularly when it comes to spending money. Ray: Are there any tips to convince people to take action? Jack: Great question, culturally the norm in this country is not to thrive and not to be the best, most will put it down to lack of resource. Every day and every moment we are envisioning our futures and creating our own internal dialogue. The problem is that people don’t convince themselves to take action, they don’t believe they can be successful and most likely don’t have the right goals or can do attitude, the vast majority talk a good game externally but not internally. You need to have a positive mental attitude and ability to action your thoughts. Everybody gets it intellectually but you actually need to live and breathe it in order to achieve what you want. Once you commit to something and really decide you want to succeed at it, the universe will draw you to it. What you perceive as coincidence can lead to magical things, you have to embrace it. BEST MOMENTS “The greatest gift in life is the ability to think great thoughts and to have the strength to take action when others dream” “Create a clarity and get clear on what you want” “love the fact people can take these simple tools and make a real difference” “Everybody gets it intellectually but you actually need to live and breath it.” “There’s something very attractive about someone who knows what they want” “Every day and every moment we are envisaging our futures and our dialogue will cause actions copiously and unconsciously” “Your mind holds the power for you to be successful.” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Mindstore: The Ultimate Mental Fitness Programme www.mindstore.com Scott Adams - How you fail at everything and still be successful ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk

Ray and Nigel enter into a thrilling and thought-provoking discussion about the morality of debt, beggars and wealth creators. Get inspired by this freestyle episode of The How to Raise Money Podcast. To answer the question; Do you feel bad about getting people into debt? Ray and Nigel explore the realities of both good debt and bad debt and how investors and capitalists (while not perfect) generate finance, cashflowing assets, and job opportunities by following the wealth formula. The word debt describes a whole myriad of words and brings about a host of problems both morally and physically, but in truth debt, begging and raising money is all about mindset. Creating wealth, being in control and becoming a custodian of money is all about the attitude you have and is usually taught by observing the person ahead of you. Investors by definition are making money, so they’re doing something right. Governments hemorrhage money and their only solution to generating money are to increase the tax burden.   Tune in to this enthralling episode of The How To Raise Money Podcast to find out more. KEY TAKEAWAYS Good debt is you are purchasing assets that will appreciate in value and generate a cash flow Bad debt is consumer debt, assets that diminish in value Ray, Nigel and the How to Raise Money community aim to create good debt and find investors that can help create cashflow, jobs and appreciating assets. Capitalism is so far the best that we’ve got. Socialism works if there are enough capitalist to pay for it, because someone needs to create jobs and create wealth. Governments don’t produce anything and money has to come from somewhere, it comes from the wealth formula. Creating a product or service that consumers what to buy and therefore a tax is paid. There’s a difference in theory and practice, wealth creators go out there and do it, they create wealth. It’s a mindset business and in reality, the best way to serve those in need and those in debt is to approach the welfare problem one person at a time. Investors, whales, angels, and dragons generally all set up a foundation or fund to help others, it’s a more direct way to giving back. BEST MOMENTS “A lot of people are against the capitalist route, but is there a chance for philanthropy further down the line?” “All the government services are consumer services, they don’t produce anything.” “It’s in the doing that you will find the magic, it’s in the doing that you will make the money. Not in the theory of it.” “In theory, Socialism sounds fantastic, but you then get into the issue of freeloading” “Desperation costs money” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Zig Ziglar - “If you took all the money in the world and distributed it evenly among everyone in the world it would eventually end up back in the hands of those that had it originally.” Robert G. Allen - The Challenge ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your cus

Welcome to another episode of the How to Raise Money Podcast. Today your hosts and raising money experts Ray and Nigel discuss what it takes to be a sophisticated investor. Learn what to look out for, and what to be aware of when searching and seeking investment from a professional investor, angel, whale or dragon. Ray and Nigel urge you to do your due diligence and understand how to identify a casual investor from the professionals. Hear the easy criteria you can follow if you’re looking for equity investment and an investor you can trust. Ray discusses the simple tips and tricks you can use to help fast-track the process and ensure you’re dealing with a bonafide investor. Learn how to create a one-page checklist for the investor to self-certify and legitimise the deal. KEY TAKEAWAYS A large percentage of an investors money could be taken by the gatekeeper, the manager. This can be up to 7% but ensures the investor in question is legitimate. The person seeking the funding would be required to pay the fees. Criteria for a Sophisticated Investor Salary of 100,000 proven by payslip or proof of earnings Must have 250,000 or more in investment assets that do not include the family home Professional investor, stockbroker or fund management history Director of a limited company with 1 million plus in turnover BEST MOMENTS   “A car is never a sign of wealth” “A loan is a totally different form of finance lending and therefore would require different checks, covered in an upcoming episode”   “The burden of proof is on you to establish. It is part of the due diligence you must do if you are looking to secure investment from a sophisticated investor” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Companieshouse.gov.uk FCA Regulation Nelson Gray - Angel Investor   ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

Lie down. Close your eyes. Relax. Then, Sleep. On today’s bonus episode of How To Raise Money podcast, Ray discusses on how you could get deep sleep at night. Sleep is very important. Ray can’t emphasize that enough. You don’t need external influences like that chamomile tea or the sound of the rain to get you to sleep. You just need a technique that will work for you. From reading Jack Black’s MindStore: The Ultimate Mental Fitness Programme, Ray was able to adopt a sleeping technique of constructing his own sleeping quarters in his mind. Ray will be sharing the techniques he uses, find out now if it might be effective for you. Watch out also for the second part of the special bonus episodes! KEY TAKEAWAYS Go to sleep without an alarm clock. Program yourselves to wake up early. We've tried it with a room at least 50 people, they go off and give me guarantee that they will wake up on time. Different feedbacks. The study's purpose is to show how important sleep is and how quickly you can adapt to new sleeping habits. If you can control your brain properly, you can control your sleep. It's clearly in the mind. If you do positive self-talk, positive things happen. If you do negative self-talk, negative things happen. Construct a house in your mind and in that house, there are sleeping quarters. This is an effective technique to get deep sleep from the book of Jack Black. Choose an imaginary sleeping quarter that's somewhere you can be comfortable and relaxed. Have a blank wall where you'll put your opportunity clock that will tell you when to wake up. Getting to sleep is something you do without any external influence at all. You don't need a music playing by your bed. You don't need to take a special tea. There are techniques that when put in a structure will work for you. Find a routine that you'll get used to. If you wish, before you sleep, you can read your short-term and long-term goals to be motivated for the next day. There's a different rhythm in your brain activity when you sleep. During the day, left brain logical reasoning becomes dominant. When you sleep, the right brain has its Beta waves are dominant in the morning and alpha-theta is responsible with your subconscious at night. You need to have sleep. It's crucial to your health. There are massive health benefits. You reset and feel energized after. Don't take it for granted. Find a way to make it work for you. BEST MOMENTS "It only works if you only do it." "Sleep is very very important. Without a good night sleep, it can impact the whole rest of your life." "Your brain can only process one conscious thought at a time." VALUABLE RESOURCES MindStore: The Ultimate Mental Fitness Programme by Jack Black The first and greatest victory is to conquer yourself; to be conquered by yourself is of all things most shameful and vile. - Plato ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk https://www.nigeltbest.com/ Howtoraisemoney.co.uk

Welcome to Part 2 of the two bonus episodes on Pathway to Sleep! Note: This is a practical exercise of what was learned from Part 1. This involves relaxation so make sure you’re not driving or doing anything that needs your high level of awareness. And, if you haven’t listened to the first part yet, do it now. You’ll be able to learn how to construct your sleeping quarters in your mind above others. Let the voice of Ray guide you to full relaxation on today’s episode. Find your sleeping quarters. Be relaxed. Let’s start! KEY TAKEAWAYS Practice this sleep exercise to get the best out of your sleep. Find a comfortable place where you could the sleep exercise. Just lie down and enjoy the silence. Clear your mind. Go find your sleeping quarters. Find a place from your memory or a dream that makes you feel comfortable. Relax your body. Feel the tension and slip away. Release the tension from your muscles. Take deep breaths. If thoughts are still coming in while doing it, brush it away. Have firm thought that you’re about to sleep so you’re going to sleep. VALUABLE RESOURCES MindStore: The Ultimate Mental Fitness Programme by Jack Black ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk https://www.nigeltbest.com/ Howtoraisemoney.co.uk

Welcome to another episode of the How to Raise Money Podcast. Today your hosts and raising money experts Ray and Nigel talk about what an investor looks for when choosing to invest. The type of person, the personality and the characteristics needed, to attract JV partners and investment finance. All whales, dragons, angels, and investors are looking to invest not only in upcoming projects but in the people who carry them out. Ray and Nigel bring you the five things you need, in order to be the ideal investment opportunity and answer the question many of you have been waiting for Why would an investor want me? KEY TAKEAWAYS Time - Investors are often short on time and If you have time available and can make investors money work for them. Interest rates are eroding money away in the bank, therefore investors will look to leverage others time in order to invest and manage their money. Expertise/Experience - If you have expertise in an area in which an investor is looking to invest, you have credibility. If you can demonstrate you have the experience to manage a certain project, investors will value that highly and you will be trusted with other people's money. Energy - Do you have the energy, drive, and determination to turn an investors money into a profitable investment? Energy and enthusiasm can make a big difference in overcoming obstacles Contacts -  What does your power team bring to the table? Who are the people around you that can help you to get the job done and the project completed? Investors value your contacts and your phonebook highly, as this can bring in off-market deal opportunities. Need or Desire - You may have a compelling need to make this work, you need to align your vision and values with the investor to secure investment. BEST MOMENTS   “Credibility is the cornerstone, the foundation of a deal” “You can’t beat face to face contact, don’t underestimate your contacts”   VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years, Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, your hosts Ray interviews Angel Investor, entrepreneur, owner and executive director of 9 companies and wealth creator Chris Jones. Ray and Chris dive into the essential need for due diligence in business. The purpose of due diligence is to ensure if you are putting time or money into a company or looking to acquire a company that everything is out in the open and you are aware of all the information before making a decision or taking action. Listen to this episode of the How To Raise Money Podcast to find out more about due diligence and you too could save thousands, simply by doing your due diligence. Discover the 40+ points Ray and Chris discuss and the tips and tricks you can implement in your business right away. KEY TAKEAWAYS Warranty -  a promise that something in furtherance of the contract is guaranteed by one of the contractors, especially the seller's promise that the thing being sold is as promised or represented. Indemnity - security or protection against a loss or other financial burden. security against or exemption from legal responsibility for one's actions. Due Diligence Checklist Target Company Buyer Seller Warranty Indemnity Completion & post acquisition matters Control the bank account Key employees Completion board minutes Share purchase agreement Other agreements Loan notes Loan register Taxation undertakings Stock transfer forms Disclosure letters Letters of undertaking Compromise agreements Power of attorney Capital allowances Unclaimed R&D tax credits BEST MOMENTS   “The one thing you need to ensure you do is control the bank account.” “Be clinical with who needs to go and who needs to stay, find out who are the key employees and who will run the company for you. More often than not it will be the middle management who have the vision and drive to push the company forward.” Share purchase agreements are boring, although vitally important. You must read them three of four times as there may be hidden rules that could affect your voting rides. Look out for class A and class B shares.” “There is a surprising amount of things that happen in business during the day that can put against R&D tax credits.”   VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Chris Jones - Chris.jones@nbv-ltd.co.uk ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, your hosts Ray and Nigel discuss how to raise money from your traditional highstreet bank and must the myth that banks aren’t lending. Ray speaks to the chief executive officer of a national bank and the head of property to gain an insight into highstreet bank lending and reveal the secrets of how to access the bank's money a little easier. Discover how to get the banks on your side by getting to know their property manager, build credibility and confidence and get the banks lending with a relatively low level of interest. Finally, Ray and Nigel discuss why you should get started right away, even if you haven’t yet found the deal you need funding for and always remember collateral, cashflow and character. KEY TAKEAWAYS The Highstreet banks want three things to secure lending Collateral - Unencumbered property as security for the loan. You need to have a stake in the transaction. Cashflow - To service the loan. For businesses, this will be a monthly repayment agreement, however for property businesses you will need to roll up your cashflow towards the end of the loan. Character - The Banks need to know you’re credible and capable of seeing the project through. Banks seek out direct relevant experience to the project, that you’re attempting to fund. This can be leveraged through a JV or business partner who has a certain set of skills. How to become the go-to investor for property funding: Step 1. Go and see your bank and property manager: Let him know who you are and what you’re looking to do. Step 2. Keep in touch: Stay in contact with follow up Friday and send your bank an email to keep them updated. Step 3. Build up your digital footprint with your bank and become a known investor. The biggest challenge is knowing your client, knowing your credibility and subsequently loan to value potential. Banks will grant funding within 24 hours, however, it takes 2-3 months for the bank to get to know you. BEST MOMENTS   Since the financial crisis of 2007/8/9 banks and lenders have had a bad reputation. Banks will need to know if you have skin in the game Bring in someone with relevant experience in order to get your project funded. Leverage their experience and market what they’ve done. You want to access money as cheaply as you can. Be the squeaky wheel that gets the oil Bank managers always like to piggyback on the success of investors There’s no such thing as an overnight success, you have to get out there and do it.   VALUABLE RESOURCES C.R.E.S.T - Model Angel Investor Events https://www.angelsden.com/en-gb/events/ ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years, Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, your host Ray McLennan interviews mentee and serviced accommodation specialist Sandeep live! Understand how to navigate your journey to success and that for some it will be a simple and easy path, but for others, it will be a rocky road. Learn how to remain focused on building your own business and recognise potential joint venture opportunities that can help your current business, whilst also expanding and scaling. Ray and Sandeep discuss two exciting joint venture opportunities and how you too can succeed in property by offloading the tasks that you don’t need to be doing and gain clarity in your life and in business by knowing your vision and values.   KEY TAKEAWAYS The purpose of a goldmine area is that it is accessible, and there is an infrastructure in place for it to be managed. Ensure you can create a yield and room for capital growth. To succeed, you need to be in this for the long run. There will be periods when your low and deflated, but by knowing your vision and values you will prevail through ‘the dip’. Guest satisfaction is critical to the success of your serviced accommodation business, return bookings will turn your business from 15% to 25%. Flood your business with staff now, and you will be ready for your business to grow. Don’t be fearful of growth. Leverage the tasks that are a poor use of your time and hire a VA   Sandeep’s 70/20/10 Rule For Learning Development 70% - Regular property sourcing and long-term Rent-to-Rent agreements that will generate a monthly income. 20% - Networking and looking at larger acquisition opportunities such as hotel and 3*& 4* serviced accommodation units. 10%  - Long view development opportunities, public speaking and writing a series of articles about local developments, whilst also drumming up stakeholder interest in serviced accommodation. BEST MOMENTS   “Most activities rely on people quitting, so the people that stay in can reap the rewards.” “Property is a long game and your opportunities will come.” “You can always joint venture with someone, form a sense of community and be accountable together.” “Work on your business, not in your business.” “Get an emotional boost and connect with like-minded individuals by attending networking events and Angel Investor events.”   VALUABLE RESOURCES The Dip - Seth Godin https://www.amazon.co.uk/Dip-extraordinary-benefits-knowing-stick/dp/0749928301 Angel Investor Events https://www.angelsden.com/en-gb/events/ ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk GUEST CONTACT METHOD Sandeep@arosaproperty.com

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, your host Ray McLennan begins by summing up some of his angel investors most recent deals, including commercial property deals, investment pots and personal funding ventures. Ray reveals the 9 Secrets To Getting Rich and that by learning what the rich and successful people, you increase your chances of success, it’s a combination of things that lead to success. Understand the compounding effect that makes it work and breeds success. Ray explains how to know your values, gain clarity and create a vision by leveraging the 9 Secrets To Getting Rich. Learn how to get more done in less time, outsource everything & create more wealth. Follow what wealthy individuals do and create Multiple Streams of Income. KEY TAKEAWAYS The 9 secrets to getting rich Leverage - If you don’t understand leverage you work too hard. If you understand what leverage is, you can get more done. The Wealth formula - Simple but profound, W = (V+E) X L (Wealth = Value + Fair Exchange X Leverage) Analyse your desire - If you want to be rich, your desire has to be red hot! You need to enjoy what it is you want to do. Cut-loose from negative influences (inc people) - Never give in and stay the course. There is negativity all around us, don’t listen to it. Ignore great ideas - Don’t go for great ideas, go for great execution. It’s the doing that makes it happen, the having of the idea is not the problem, it’s the implementation.   Hire talent smarter than you - When you have the opportunity to hire someone, go for the best. Hire smart people so they can us what to do. Ownership is the real secret - An intrinsic motivation of personal pride, keep hold of every percentage point to stay keen and on course. Sell before you need - Empty your mind in negotiations, improve your body language and remove fear. Fear nothing and no-one - Operate from a position of strength. 10 Things You Need To Consider When Raising Finance Property location Borrower Loan amount Purpose of the loan Repayment terms Security of the loan Interest rate Minimum term you need the money for Notice period, how long to draw the money down Default Rate   BEST MOMENTS   “With your first deal, be generous.” “Ideas are 99% perspiration, 1% inspiration” Thomas Edison “It doesn’t make sense to hire smart people and tell them what to do, hire smart people so they can tell us what to do” Steve Jobs “Everything you’ve ever wanted is on the other side of fear” VALUABLE RESOURCES Rob Moore - Life Leverage - https://www.amazon.co.uk/Life-Leverage-Outsource-Everything-Lifestyle/dp/B01AIKDJ90 Angel Investors West Street Capital - Matt Lindsy Bench Capital - Phil Ellis SE Capital - Tom Barry BIG Property - Mark Bond ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk

Welcome to Raising Angel (Alternate) Funding. What does success look like for you? Join Ray Mclennan discussing wealth hacks including pension transfer values, capital gains tax, stamp duty, which questions to ask investors, mind-set, training and strategy. KEY TAKEAWAYS Capital Gains Tax. Buy something, sell it, make an uplift and pay tax on it. You pay tax on everything else, now you've got to pay tax on the uplift. Wouldn't it be nice to to pay that tax...? Wouldn't it be useful? Stamp Duty. In England and Wales this is one thing. In Scotland it's called land and buildings transaction tax. LBTT. It's even higher there. If you're buying a commercial property, the stamp duty can be eye-watering at times. It used to be a price you pay to get your document stamped. Literally £50-100. Then they started to make it a percentage of the property. In 2004, stamp duty went up by 400% virtually overnight. Wouldn't it be nice, not to pay stamp duty...? Fees. Usually a project such as a commercial conversion, the total fees (everything included) usually work out to 7%. To broker a deal, the fee can be 4%, 3%, 2%, 1%, depending on the size of the deal.  Find out the summary we use to send to investors. We take your application and translate it onto one page. When an investor looks at this, imagine he's walking down the street, in between meetings, his phone goes and he takes it out. What is it? It's an email from Ray with a commercial conversion opportunity in Newcastle for, whatever. It has to be accessible here, there's a red button and a green button. Red for not interested, green for interested. We share a little bit more information to a shortlist of interested investors, then we ask for some kind of commitment before we share any further information.  Global Financial Freedom. Would it be nice to earn a fee for referring somebody to an investor? Does it have to be your own money? 99.999% of the time you'll be using somebody else's money, does it make sense that you learn how to use that money properly? VALUABLE RESOURCES Ray’s Blog Raising Angel Finance’s Blog Ray’s Twitter The Skill Stack Podcast - Ray McLennan Serviced Accommodation Podcast Freakonomics Podcast There's No such Thing as a Fish Podcast ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK.

Welcome To The How To Raise Money Podcast. Ray and Nigel dive into the Top Ten Scale Up Mistakes business make and how to avoid them. Discover how to thrive, grow and scale in this episode of The How To Raise Money Podcast. Understand the different types of growth and how it affects your business, learn to pay strict attention to your finances and avoid taking on debt and expensive overheads which errode the business. Ray and Nigel discuss that many entrepreneurs will burn through their start up costs quickly and why you need to have reserve capital for unexpected bills or an increase in running costs. Find out why location both online and offline is key to your businesses success and how you too can utalise systems and processes to streamline your business, whilst placing a premium on customer service. Nigel talks about the need for an in-depth business plan with an emphasis on marketing and finance and how to use social media to supercharge your business by targeting niche audiences directly and sparking engagement. Finally Ray discusses the value of customers loyalty and why you should never underestimate the competition. Key Takeaways Top Ten Scale Up Mistakes Business Make Growing to fast - Whilst growth is desirable, over expansion can be a serious mistake. Don't be the first to market and take on added expense you must manage your investors expectations. Failing to track your finances - Don't take on too much debt, use resources and software to ensure you know what's going in and out of your business. Over spending - Ensure you know your capital expenditure Lack of reserve capital - Aim for three months worth of reserve cash at all times in your business Location - Identify the right location for your busy and consider functional adjacency Poor systems & processes - Streamline your businesses systems to be customer service driven and ensure you stay in control Business Plan - Have you got the right people in the right positions Failing to change with the times - be flexible and adaptable to fit market needs. You need to pivot your business to survive and thrive Ineffective marketing - target your audience and get them off line and onto your database Underestimating the competition - Please an emphasis on customer loyalty BEST MOMENTS In reality there are common mistakes that can kill businesses before they get off of the ground “Cashflow is vanity, profit is sanity” “Taking on debt erodes the business” “Look at the high street and see all of the casualties there - you need to change with the times” “It's incredible how focused and laser targeted your marketing can be” “Marketing is the biggest difference between your business succeeding and your business failing” “Customer loyalty doesn't just happen you have to earn it” “Those that succeed don't underestimate their competitions” “If you have a robust business follow these tips you will succeed and raise finance” VALUABLE RESOURCES Accounting Software - Xero and Quickbooks The Curve Card - simplifies your financial life by connecting all your accounts to one smart card with one even smarter mobile app. Nigel Best - Social Media for Property Professionals com The E-myth 'Why most businesses don't work and what to do about it' Michael E. Gerber co.uk ABOUT THE HOSTS Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the

DESCRIPTION Welcome to the How To Raise Money Podcast! Money mindset. (Part 2) In part one Ray covered money mindset, how to save and if you are ready to handle large amounts of money, whether it’s yours or somebody else’s. Ray also explained, how not to self sabotage and why mindset when it comes to money is essential. Discover Ray’s Forced Accelerated Savings Technique and how to take the emotional side out of dealing with and saving money. In this episode of the How To Raise Money Podcast Ray discusses the purpose of managing money, the rule of three and the effects of compounding savings. Why IFA’s and QFA’s are not the answer and how your lack of knowledge and ignorance is affecting your money! Discover how to keep your money, grow it and invest it. Understand how Luck, Fortune and Chance affects your money and take control by stacking the odds in your favour. Start to change your money mindset and condition your mind by training your internal Reticular Activation System, coach your mind to raise money and create more wealth for yourself and your family. Find the the purpose for your monetary desire and discover what you want in life. Know your primary desire and gain clarity around money. Key Takeaways Your lack of knowledge and ignorance is affecting your money! Discover how to keep your money, grow it and invest it. Understand the rule of three for saving money and never risk more than 10% 6 Things To Understand About Luck Stop believing in luck and know that your simply lucky. Accept uncertainty as an essential part of your experience. Find ways to change the rules and win. Observe when you’ve been unlucky, analysis and change the outcome. When to leave things down to luck or chance Change your mindset. Don’t expect good luck and receive bad luck. The “Reticular Activation System” or “R.A.S.”, acts like a filter that picks out the pertinent information from the non-conscious mind and conveys it to the conscious mind. Life is a lot easier on us, when we are harder on ourselves. When you desire, and make a decision there is no doubt, and when there is no doubt, things will then conspire to help you. You must know, what it is you want and what it is you desire, before you can start to create wealth.  BEST MOMENTS “Take the emotions out of saving money” “If you learn to manage your money, more of it is likely to come your way. That’s the nature of the beast!” “Saving for compounding, is the 8th wonder of the world” Albert Einstein “Don’t reply on fortune or luck, stack the odds in your favour” “Desire is the starting point of all achievement” “Know your primary desire and gain clarity around money” VALUABLE RESOURCES The Skill Stack Podcast - Reducing your odds for success with Ray McLennan Think and grow rich: The secret to Wealth by Napoleon Hill ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK.