Business, Wealth And Mindset Podcast

Alex welcomes property investor Holly, who shares her inspiring journey from humble beginnings to living the life of her dreams. Holly discusses the challenges she faced while building her property portfolio, including overcoming debt and finding investors, as well as the importance of mindset in achieving success. She reflects on her experiences with various property strategies, the significance of choosing the right location, and the value of community and personal development. Listeners will gain insights into Holly's mindset transformation, her approach to leveraging systems in business, and her plans for the future, including her passion for travel and continuous growth. This episode is packed with motivational nuggets for anyone looking to realise their potential and achieve financial freedom. KEY TAKEAWAYS Mindset is Crucial for Success: A positive mindset and continuous personal development through reading and learning are essential for overcoming challenges and achieving goals. Engaging with mindset literature can help shift perspectives and foster resilience. Embrace Challenges as Learning Opportunities: Facing difficulties, such as financial struggles or setbacks in property investments, can serve as powerful motivators. These challenges often lead to growth and a deeper understanding of the business. Choose Your Environment Wisely: Selecting a property investment area that resonates personally can enhance the overall experience. Enjoying the community and environment can make the hard work more fulfilling and sustainable. Leverage Systems and Technology: Implementing effective systems, such as a CRM for property management, can streamline operations and free up time for other pursuits, allowing for a more balanced lifestyle. Freedom Over Materialism: The ultimate goal of financial success should focus on achieving freedom and the ability to make choices, rather than merely accumulating material possessions. This shift in perspective can lead to a more meaningful and satisfying life. BEST MOMENTS "Back then, it was always just having that freedom. I know it's a bit cliche, but that time freedom..." "I think the biggest thing that actually kept us going was kind of that pressure, our backs were against the wall in the sense of money." "I genuinely thought... property will always be a business. It will never, ever, ever be completely passive." "It's not just about property. It's not just about making money. It's not about work. It's about what feels right, too."   ABOUT THE GUEST Holly is originally from Plymouth and now lives in Sheffield. She has held various management positions in private and listed organisations, and has also worked independently with start-ups and growing businesses providing business growth consultancy.  W: www.wolfandsword.com Facebook: https://www.facebook.com/holzjennings Podcast: https://podcasts.apple.com/gb/podcast/shelf-improvement-book-club/id1621740861 ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ

In this episode, Alex delves into the profound themes presented in Mark Manson's book, exploring the uncomfortable truth of life: the inevitability of death and the fleeting nature of our significance. He emphasises the importance of hope as a driving force against hopelessness, which can lead to depression and anxiety. Alex discusses the emotional roots of self-control, highlighting the interplay between our thinking and feeling brains.  KEY TAKEAWAYS Hopelessness is identified as a root cause of depression and anxiety, stemming from the feeling of being out of control in one's life. It is essential to recognize that while pain is inevitable, suffering is a choice. Hope is fundamental to our psychology, providing a sense of purpose and the belief that we can achieve something great. It is crucial to have something to look forward to and to feel a sense of control over our destiny. Self-control is primarily an emotional issue rather than a logical one. The feeling brain often drives our decisions, and aligning it with the thinking brain is key to achieving better self-control and overcoming feelings of hopelessness. True freedom comes from self-limitation, which involves making conscious choices about what to give up in life. The most meaningful freedom arises from the commitments we choose to sacrifice for our goals. Achieving harmony between the thinking brain and the feeling brain is essential for personal growth. When both are aligned with the same values, individuals can navigate life's challenges more effectively and reduce suffering. BEST MOMENTS "One day, you and everyone you love will die. And beyond a small group of people for an extremely brief period of time, little of what you say or do will ever matter." "Hope is what makes us happy. It's what makes us progress forward." "Pain is inevitable, but suffering is always a choice." "The only true form of freedom is through self-limitation." "Your life is not hopeless. Your life is not meaningless unless you subscribe to a belief that pain is inevitable."  ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ

In this episode of the Business, Wealth & Mindset Podcast, host Alex delves into Mark Manson's thought-provoking book, "Everything is F'd." The discussion explores the concept of hope and its significance in a seemingly meaningless existence. Through compelling examples, including the stories of Witold Pilecki, Friedrich Nietzsche, and Albert Einstein, the episode highlights the importance of hope in overcoming despair and finding meaning in our lives. Listeners are encouraged to engage with their pain, embrace discomfort, and cultivate a hopeful outlook for a better future. KEY TAKEAWAYS The Uncomfortable Truth: Hope is essential for finding meaning in a seemingly meaningless existence. Acknowledging the insignificance of our lives can lead to building a sustainable and benevolent sense of hope. The Classic Assumption: The belief that reason should dominate our desires is flawed. Both the thinking brain and feeling brain are necessary for effective decision-making, and understanding our emotions is crucial for self-control and hope. Newton's Laws of Emotion: Emotions have their own laws, such as the idea that every action has an emotional reaction. Our self-worth is shaped by our experiences over time, and our identities can be challenged by new experiences. The Importance of Narratives: The stories we tell ourselves shape our identities and values. It's vital to ensure these narratives are constructive and foster hope rather than anxiety or nihilism. Pain as a Universal Constant: Instead of pursuing happiness, we should accept that pain is a part of life. Embracing pain can lead to growth and finding meaning, as hope is rooted in our ability to navigate through life's challenges. BEST MOMENTS "Though Manson humorously expands on it by writing that if he were a barista at Starbucks, he would happily write the following message on every customer's morning coffee: One day, you and everyone you love will die." "Hopelessness is the root of anxiety, mental illness, and depression. It is the source of all misery and the cause of all addiction." "The only true meaning in existence is the ability to form meaning." "We are inconsequential cosmic dust, bumping and milling around on a tiny blue speck. We imagine our own importance. We invent our purpose. We are nothing." "The only true form of freedom, the only ethical form of freedom is through self-limitation." ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ      

Alex gives a comprehensive summary of Mark Manson's transformative book, "The Subtle Art of Not Giving an F." The discussion challenges conventional wisdom by emphasising the importance of embracing life's struggles and negative experiences as essential components of personal growth. Listeners are introduced to key concepts such as the "not giving a damn" philosophy, the value of suffering, and the significance of taking responsibility for one's actions. The episode encourages a shift in perspective, advocating for the rejection of entitlement and the importance of setting boundaries while also highlighting the liberating power of saying no. With insights on navigating uncertainty, the role of failure, and the motivation derived from the awareness of death, this episode serves as a thought-provoking guide to living a more intentional and fulfilling life. KEY TAKEAWAYS Selective Caring: We have a limited amount of energy and attention, represented as "golden coins." It's essential to be selective about where we invest our care and concern, focusing on what truly matters rather than getting bogged down by trivial issues. Embracing Negative Experiences: Life's lows and challenges are not just obstacles; they are vital for personal growth. Embracing these tough moments can lead to resilience and a deeper understanding of ourselves. Rejection of Entitlement: Success, love, and respect are earned, not given. Moving away from an entitlement mindset encourages personal responsibility and the understanding that we must actively work towards our goals. Importance of Boundaries: Setting clear boundaries is crucial for maintaining healthy relationships and self-respect. Boundaries help define what is acceptable and protect our well-being. Failure as a Stepping Stone: Failure should be viewed as a necessary part of the growth process. Each failure provides valuable lessons and insights, pushing us to try new approaches and build resilience. BEST MOMENTS "It's about being selective with your coins. It doesn't mean you don't care about anything; instead, you're choosing what to care about."  "When you embrace the tough times, you are saying yes to the whole spectrum. You're becoming adaptable, you're becoming resilient."  "Failure is actually a stepping stone, not a stumbling block. It's a part of the process of moving forward, not backwards." "Saying no is crucial. It's how you set boundaries, how you protect your time, and stay true to your priorities."  "Rejection of entitlement is about getting rid of the idea that you deserve something just because you are who you are."  ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ    

Alex delves into the transformative concepts from Noah Kagan's book, "Million Dollar Weekend." The episode outlines a practical approach for aspiring entrepreneurs to kickstart their business ideas over a weekend by identifying and validating profitable problems. Listeners are guided through a structured process of discovering personal and market pain points, filtering potential business ideas, and ultimately executing a 48-hour challenge to pre-sell solutions. With actionable steps and real-world examples, this episode equips entrepreneurs with the tools to overcome common obstacles, attract customers, and lay the groundwork for a successful business venture. Tune in to learn how to transition from idea to action and validate your entrepreneurial aspirations! KEY TAKEAWAYS Identify a Million-Dollar Problem: Successful entrepreneurs focus on discovering and solving significant problems. Start by examining personal frustrations, then expand to your social circle and businesses you know to uncover potential profitable issues. Use a Four-Step Filtering Process: After gathering a list of problems, filter them by selecting the top five, checking their demand on Google Trends, assessing market size through Facebook Ads, and ensuring you can identify at least ten potential customers for your top-ranked problem. Conduct a 48-Hour Challenge: The goal is to pre-sell a solution to three customers within 48 hours. This involves crafting an irresistible offer and actively seeking out customers willing to pay upfront for your solution. Craft an Irresistible Offer: In the first 24 hours, create a compelling offer that you are confident you can fulfill. Consider simplifying or personalizing existing solutions to make them more appealing to your target audience. Work Your Ask Muscle: In the final 24 hours, reach out to your potential customers to pre-sell your solution. Use a clear pricing structure that highlights the benefits and timeframe, and be open to feedback to refine your offer. BEST MOMENTS "The beauty of Noah's million-dollar weekend method and his 48-hour challenge is that it helps you quickly test and validate business ideas so you don't have to waste months perfecting a product that doesn't sell."  "The best entrepreneurs are problem seekers. They are obsessed with understanding customers' problems and aim to alleviate their pain with painkiller products and services."  "If you can help one business get more customers or reduce a big expense, they will happily pay you." "When people merely say they will buy your product but don't hand over money, they're delivering you a polite rejection."    ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ    

In this episode of the Business, Wealth & Mindset Podcast, Alex welcomes renowned Malawian artist Dan Lu, whose real name is Daniel Lufani. Dan shares his inspiring journey from humble beginnings in a family of musicians to becoming a prominent figure in the Malawian music scene. He discusses the influence of his late father, a pastor and musician, on his career and the importance of staying true to one's roots while evolving as an artist. The conversation delves into Dan's early struggles, his breakthrough hit "Shupi," and the challenges of navigating fame and the music industry. He emphasises the need for support and investment in the Malawian music sector to help it thrive on a global scale. Listeners are treated to insights about Dan's creative process, his collaborations with other artists, and his vision for the future of music in Malawi. This episode is a heartfelt exploration of passion, perseverance, and the power of music to inspire and uplift. KEY TAKEAWAYS Importance of Family Support: The influence of family, particularly the support from parents, plays a crucial role in shaping an artist's career. The individual shared how their father's encouragement and belief in their dreams were pivotal in their journey. Adapting to Change: The music industry is constantly evolving, and successful artists must adapt to new trends while maintaining their unique style. The individual emphasized the need to blend traditional elements with contemporary sounds to stay relevant. Challenges in the Industry: There are significant obstacles for artists in Malawi, including financial constraints and competition. The individual highlighted the need for more investment and support from various sectors to help local artists thrive. Collaboration and Networking: Collaborating with other artists, both locally and internationally, is essential for growth and reaching new audiences. The individual has a history of successful collaborations and sees them as a way to expand their reach. Staying Grounded: Despite achieving fame and success, it is important to remain humble and connected to one's roots. The individual shared how they maintain a normal life with family and friends, which helps them stay grounded amidst their celebrity status. BEST MOMENTS "My father was a free man... as long as you're doing it in the right way, he was okay with it. He blessed me, that's why I'm here." "You know, energy is always there. His spirit and his energy still lives on... you can actually be inspired by his spirit to actually soldier on." "We need help from all corners... when it comes to collabos, you know, I cannot just wake up today and say, I'm going to need to pay him $100,000 for just a collab." "I need to write something that can change something. Something that can comfort someone... that was what was coming in my mind." "As you know, life is hard in Malawi, and with your message, with your music, you can make a difference." EPISODE RESOURCES Dan Lufani (born July 1, 1987), best known as Dan Lu, and sometimes written as Dan Lufan, is a Malawian Afro-pop singer and songwriter. Lufani was born in Mangochi District as the fifth son in a family of eight children. Lufani's father was a pastor of the Baptist church in Malawi. He did his Secondary School education at Mangochi Secondary School in Mangochi, Malawi. Lufani started singing in 2000s and gained national recognition after he released his first studio album titled Shupie. He was the band leader of Malawi's renowned band, Zembani Music Company, before founding his own band called Rockers band. In 2011, he was awarded as best Afro pop artist of the year in Malawi Music Awards. In 2016, he was nominated in best R&B/Afro-pop Act along with other artists such as Theo Thomson and Kell Kay. In 2023, Lufani's single Imfa (death) surpassed over K15 million (Malawian Kwacha) in one week. Lufani has recorded a number of albums including Khaze (cousin), Shupie, So What, No Size and Back to my Roots. Lufani has collaborated with different artists in Africa such K-Millan from Zambia, Dizzy Don from Zimbabwe, Kcee from Nigeria, Nameless from Kenya and Bongani Fassie, the son of the late Blenda Fassie from South Africa. https://www.facebook.com/Iamdanlu https://www.instagram.com/iam_danlu?igsh=NGpuaTZkeDNiNG9r https://youtube.com/channel/UCEOqPbbNkdUi8RMY3CQsKng?si=czUqPxgz4Ir3EMJX ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ    

In this episode of the Business, Wealth & Mindset Podcast, host Alex talks through the transformative lessons from Robert Kiyosaki's influential book, "Rich Dad Poor Dad." The discussion highlights the critical differences between the mindsets of the rich and the poor, emphasizing that the wealthy do not work for money but instead make money work for them. Kiyosaki shares his personal experiences of learning about financial literacy, the importance of understanding assets versus liabilities, and the necessity of developing skills beyond traditional education. The episode covers key lessons such as the significance of financial education, the power of corporations, and the mindset shifts required to overcome fear, cynicism, laziness, and bad habits.  KEY TAKEAWAYS Financial Education is Crucial: Understanding the difference between assets and liabilities is essential for building wealth. An asset puts money in your pocket, while a liability takes money out. Many people mistakenly believe their homes are assets, but they often function as liabilities. Work to Learn, Not Just for Money: Gaining diverse skills and experiences is more valuable than simply working for a paycheck. Focusing on learning opportunities can lead to greater financial success in the long run. Mind Your Own Business: It's important to focus on building your asset column rather than solely relying on your job. This means investing in income-generating assets and reducing liabilities to create financial independence. Emotions Influence Financial Decisions: Fear and greed can control financial behaviour. Learning to manage these emotions is key to making sound financial decisions and avoiding the "rat race." Opportunities Are Everywhere: Developing financial intelligence allows individuals to recognize and seize opportunities that others may overlook. This mindset shift can lead to innovative ways to create wealth, even in challenging economic times. BEST MOMENTS "Earning money is a science that is not taught in schools." Alex "The rich don't work for money." - Robert Kiyosaki "Life is the best teacher of all and that most of the time life does not call you." - Robert Kiyosaki "If you want to be rich, you need to be financially literate." - Robert Kiyosaki "Minding your own business doesn't mean starting a company." - Robert Kiyosaki   ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ  

In this episode of the Business, Wealth & Mindset Podcast, Alex explores the key insights from Harv Eker's influential book, "Secrets of the Millionaire Mind." Alex highlights the 17 fundamental differences between rich and poor people, emphasising the mindset shifts necessary for achieving financial success. He discusses concepts such as the importance of thinking big, focusing on results rather than time, and embracing opportunities instead of obstacles. Throughout the episode, Alex encourages listeners to adopt a proactive approach to wealth creation, emphasising the significance of self-promotion, effective money management, and continuous learning. By sharing relatable examples and practical advice, this episode aims to inspire listeners to cultivate a millionaire mindset and take actionable steps toward their financial goals. KEY TAKEAWAYS Mindset Differences: Rich people think big and focus on opportunities, while poor people think small and concentrate on obstacles. This mindset shift is crucial for achieving success and wealth. Value of Results: Rich individuals prioritise results over effort, understanding that customers care about the outcome rather than the time spent on a product or service. This approach emphasises the importance of delivering quality. Financial Management: Effective money management is essential for wealth creation. Rich people manage their finances well and invest in multiple accounts, while poor people often mismanage their money and lack financial literacy. Action Over Fear: Taking action despite fear is a key trait of successful individuals. While poor people may let fear hold them back, rich people act in the face of discomfort, leading to growth and opportunities. Continuous Learning: Successful individuals are committed to lifelong learning and personal growth. They recognise that there is always more to learn about money, success, and life, while poor people may fall into the trap of thinking they already know everything. BEST MOMENTS "Rich people think big and poor people think small. If you spend one hour to find the cheapest oranges for 60 cents, then the value of your hour is 60 cents."  "Rich people believe in their value and in their ability to deliver results. Poor people don't." "Money does not change you. Money makes you more of what you already are."  "If you want to create wealth, it is important that you believe that you are the one behind the wheel." - "The secret to success is not to try to avoid or get rid of your problems. The secret is to grow yourself so that you're bigger than any problem."    ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ  

Alex engages in a captivating conversation with Jamie Dixon, a leadership coach and trainer based in China. Jamie shares his transformative journey from working in a coffee shop in Portsmouth to teaching English in China, ultimately leveraging his experiences to develop a successful career in leadership development. The discussion delves into the importance of empathy in business, the art of storytelling as a tool for influence, and the significance of embracing uncertainty and experimentation. Jamie introduces his framework of "Relate, Challenge, Resolve," which serves as a guide for effective storytelling and influencing others. KEY TAKEAWAYS Embrace Spontaneity and Experimentation: Taking risks and being open to new experiences can lead to unexpected opportunities and personal growth. The importance of experimenting and trying new things is emphasised as a way to open doors and create multiple pathways in life. The Power of Empathy in Leadership: Empathy is a crucial skill for effective leadership and business success. Understanding others' perspectives can enhance communication and collaboration, ultimately leading to better outcomes in both personal and professional settings. Storytelling as a Tool for Influence: Storytelling is not just about entertainment; it's a powerful method for making meaning and influencing others. The framework of "relate, challenge, resolve" can be applied to both storytelling and changing people's beliefs, making it essential for effective communication. Adaptability to Change: The ability to adapt to changing circumstances is vital for success. Recognizing that different cultures and contexts require different approaches can help individuals and organisations navigate challenges more effectively. Authenticity and Personal Growth: Authenticity is key in building trust and rapport with others. While it's important to align with one's values and personality, being open to change and personal development is equally crucial. This balance allows for genuine connections while also encouraging growth. BEST MOMENTS "I think just experimenting and trying things and seeing what happens, it's something I believe in very, very much."  "Empathy is one of the most fundamental business and leadership skills to develop."  "When you want to influence people, you need to relate to people first." - Jamie Dixon "The position you are in right now is a step. And there's a step behind you and a step in front."  "Reality is not the stories we tell ourselves. It's so much more complicated than we could ever comprehend."  ABOUT THE GUEST Jamie has honed his unique skills and specialist expertise over 15 years, collaborating with ambitious leaders across 160 multinational brands. He has a unique methodology, taking a broader picture of storytelling, focussing on the art and science of making meaning rather than just telling stories. He applies and integrates insights from behaviour science and behaviour design into his developed approach to practical training, along with the pragmatic mindset that he gained from living in China for most of his career. Jamie practices what he preaches and builds habits into his daily conversations to add value – collecting stories, providing examples to support his statements, and using vivid language, metaphors and analogies. https://thestoryhabit.com/  ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ  

Alex engages in a candid conversation with Yusuf, a young entrepreneur who shares his remarkable journey from humble beginnings to success in the property industry. Yusuf discusses the challenges he faced, including overcoming his introverted nature and the mental hurdles of starting a business during the pandemic. He emphasises the importance of mindset, resilience, and the willingness to step out of one's comfort zone. As he delves into his strategies for success, including rent-to-rent and service accommodation, Yusuf highlights the significance of effective communication and building relationships with landlords. The episode also touches on the role of mentorship and the impact of personal development in achieving financial freedom, making it a must-listen for anyone looking to transform their life and pursue their entrepreneurial dreams. KEY TAKEAWAYS Mindset is Crucial: Success in business, particularly in property, heavily relies on having a strong and positive mindset. Understanding your "why" and having a burning desire to achieve your goals are essential for overcoming challenges. Overcoming Challenges: Many individuals face mental barriers when starting new ventures, such as fear of rejection or lack of confidence in social interactions. Consistent practice and putting oneself out there can help overcome these challenges and build necessary skills. Importance of People Skills: Being able to communicate effectively and build relationships is vital in business. Success often hinges on the ability to sell oneself and ideas to others, particularly when convincing landlords in the property sector. Finding Deals is Key: The biggest challenge in property investment, especially in rent-to-rent strategies, is securing deals. This requires persistence and the ability to handle rejection, as well as strong negotiation skills. Location Matters: The success of property strategies like service accommodation is significantly influenced by location. However, opportunities exist in smaller towns and rural areas that many overlook, highlighting the importance of market research and adaptability. BEST MOMENTS I just didn't want to work for other people. So I was looking for things to get involved with... I stumbled across property in December 2019 through a Facebook ad." "There will be people as you speak, as you share your journey, who will say, 'Oh, actually, Yusuf came from this background, he faced these challenges, and he managed to do LBCD.' That means there's actually hope for me as well." "The biggest challenge was... I just did not know how to talk to people. I was a massive introvert. I preferred not to talk to people." "It really depends on how bad you actually want it. If you develop yourself as a person, ultimately you're going to want to better yourselves in different ways." ABOUT THE GUEST Yusuf Sheikh is a young Rent To Rent pioneer and specialist. He goes deep into the Rent To Rent model and the systems that have allowed him to scale his property business without needing to own any properties. If you're an aspiring property entrepreneur who wants to build Airbnb businesses, this is the place and episode for you Facebook https://www.facebook.com/yusufsheikh01 Instagram https://www.instagram.com/yusufsheikh01?igsh=amRocGtzN2NkdXJv YouTube https://youtube.com/@yusufsheikh01?si=FKQuK86SmY-FsWMK ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ  

In this episode of the Business, Wealth & Mindset Podcast, Alex delves into the key insights from Harv Eker's influential book, "Secrets of the Millionaire Mind." Alex highlights the 17 fundamental differences between rich and poor mindsets, emphasizing how rich individuals think big, focus on opportunities, and prioritise results over effort. He discusses the importance of knowing what you want, promoting oneself, and managing money effectively. Throughout the episode, Alex encourages listeners to adopt a mindset of abundance, embrace learning, and take action despite fear. By sharing relatable examples and personal anecdotes, he aims to inspire listeners to shift their perspectives and cultivate habits that lead to financial success and personal growth. KEY TAKEAWAYS Mindset Differences: Rich people think big and focus on opportunities, while poor people tend to think small and concentrate on obstacles. This mindset shift is crucial for achieving success. Value of Time vs. Effort: Rich individuals prioritise results over the time spent on tasks. They understand that the value of their time is far greater than the small savings they might achieve through excessive effort. Self-Promotion and Selling: Successful people view promotion and selling positively, recognizing it as essential to sharing valuable products or services. In contrast, those with a poor mindset often see selling as negative. Financial Management: Rich people manage their money effectively and focus on building their net worth, while poor people often mismanage their finances and concentrate solely on their income. Continuous Learning: Wealthy individuals are committed to lifelong learning and personal growth, whereas those who struggle financially often believe they already know enough, limiting their potential for success. BEST MOMENTS "Rich people think big, and poor people think small. If you spend one hour to find the cheapest oranges to save 60 cents, then the value of your hour is 60 cents."  "Rich people believe in their value and in their ability to deliver results. Poor people don't."  "If you want to create wealth, it is important that you believe that you are the one behind the wheel."  "The secret to success is not to try to avoid or get rid of your problems. The secret is to grow yourself so that you are bigger than any problem." "If you don't know exactly what you want, then the girl who is selling the baguette will just give you any baguette she chooses."  ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ  

Alex welcomes the legendary Malawian artist Patience Namadingo, who shares his remarkable journey from humble beginnings to becoming a celebrated musician. The conversation delves into themes of excellence, personal growth, and the importance of pursuing one's passion. Namadingo recounts his early life, the challenges he faced in the music industry, and the pivotal moments that shaped his career. He emphasises the significance of happiness in achieving success and discusses how the evolution of technology and global influences have transformed the music scene in Malawi. Throughout the episode, listeners gain insight into Namadingo's creative process, his philosophy on life and music, and the profound impact of storytelling through art. KEY TAKEAWAYS Pursuing Happiness Leads to Success: Patience Namadingo emphasises that true success comes from doing what makes you happy. When individuals engage in activities they love, such as music, they are more likely to excel and find fulfilment. Adaptability in Music: The evolution of music over the years highlights the importance of adapting to changing trends and influences. Successful artists must recognise and respond to the demands of their audience while maintaining their authenticity. Creating in Silence:  Patience Namadingo shares that creativity thrives in silence. The process of creating should be kept private until the work is complete, allowing for focused development without external distractions. Life as Inspiration: Music can be inspired by various life experiences, and artists should feel free to express a wide range of themes. This openness allows for a richer connection with listeners, as different songs can resonate with diverse experiences. The Importance of Authenticity: While it’s essential to adapt to current trends, maintaining a core message and authenticity is crucial. Artists should balance commercial appeal with personal expression to ensure their work remains true to their identity. BEST MOMENTS "I honestly think that in your journey, when you are walking through life, we succeed when we do things that make us happy."  "I discovered to say, I can actually express myself and write about a lot of different things in the world." "There is such thing as keeping your authenticity as an artist... But there is still a little bit of a core that even us as listeners can associate with." "When a tree falls, there's so much noise. So when you are creating, you must create in silence." "I have to balance it. I love doing music, but I've got some sidekicks where I do farming on the side." ABOUT THE GUEST Patience Namadingo is a Malawian international artist and singer songwriter. He was born on 28 May 1989, in a family of three children in Kapalamula Village, T/A Nsamala in Balaka district of Malawi. In 2007, Namadingo released his debut album "Goseni." His second album, "Tili ndi Yesu," included the hit "Mtendere," becoming the top-selling gospel album in Malawi from 2010 to 2012. His song "Mapulani" reached a million views in five months. In 2022, Namadingo and Giddess Chalamanda performed at the Spring Show in Cape Town, South Africa, gaining international attention for their mash-up "Liny Hoo." Namadingo has collaborated with artists like Grace Chinga Moffat and Lulu. In 2021, he participated in a competition in SADC countries, singing 9 songs in different African languages. He also raised funds for a 21-year-old music student with cancer and helped a woman and her twins receive medical care. Facebook https://www.facebook.com/Namadingo Instagram https://www.instagram.com/dr.namadingo?igsh=cjBnbHE5NHFjcWZj YouTube https://youtube.com/@namadingo?si=PF57TsvfQRKmL037 ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ  

Alex welcomes Jason Patterson, also known as "The Short Lease King." Jason shares his inspiring journey into the property market, starting from humble beginnings in 2001 when he purchased his first flat. He discusses the challenges he faced, including navigating the complexities of leasehold properties and the importance of understanding lease lengths. Jason highlights his strategies for success, including buying flats with short leases, extending those leases, and maximszing property value through refurbishments and reconfigurations. He also delves into the impact of recent legislation on leasehold properties and shares valuable insights for aspiring property investors. With a focus on determination, hard work, and the pursuit of financial freedom, this episode is packed with practical advice and motivational stories for anyone looking to venture into the property market. KEY TAKEAWAYS Start Small and Educate Yourself: The journey into property investment can begin with small steps, such as purchasing a flat. It's essential to educate yourself about the market, including understanding leases and property values, even if resources were limited in the past. Overcome Challenges with Determination: The importance of hard work and determination is highlighted, especially when facing financial constraints. Working overtime and saving diligently can help overcome initial barriers to entry in property investment. Leverage Short Leases for Profit: Investing in properties with short leases can be a lucrative strategy. By extending the lease and potentially refurbishing the property, significant value can be added, leading to substantial financial gains. Stay Informed on Legislation Changes: Recent legislative changes, such as the Leasehold Reform Act, can significantly impact property investment strategies. Understanding these changes can provide opportunities for investors to acquire properties more easily and at a lower cost. Diversify Your Approach: As experience grows, diversifying into areas like training, speaking engagements, and sharing knowledge can provide new avenues for growth and fulfillment in the property investment journey. This can also help keep the investment process engaging and rewarding. BEST MOMENTS "I didn't like working full time. I hated getting up early... I said to myself, right, how can I earn money without doing sweat labor?" "When you extend your lease, you have to go to the flat for at least two years in order to extend your lease. That two-year rule has been abolished." "There's a big element there of delayed gratification... you seem to be very clear in your vision, like where you want to go."  "You can always get a mortgage with a short lease flat and then you extend the lease, do any work, refurb, reconfiguration, and then after six months you can extract your uplift." "It always seems impossible until it's done. Keep on doing it, and then you break the barrier of like, oh, you did it."   ABOUT THE GUEST Property Investor of 20+years, purchased my first BTL in 2001 Multimillion pound property portfolio Properties located mainly in North London and in Dubai Specialise in leasehold properties 20+ years experience in lease extensions and purchasing freeholds Strategies used: BTL - Vanilla Buy to Lets BRR - Buy Refurbish Rent BRR - Buy Reconfigure Rent meaning I add value to flats by adding an extra bedroom by moving the kitchen into the front room BRRRR - Buy Refurbish Rent Refinance Repeat BER - Buy Extend Lease Rent meaning I extend the short lease of the flat creating instant equity in the property BERRRR - Buy Extend Lease Refurbish Rent Refinance Repeat BERRRRR - Buy Extend Lease Reconfigure Refurbish Rent Refinance Repeat Purchasing the Freehold to flat conversions Facebook:  Jason Patterson https://www.facebook.com/jason.patterson.37454 LinkedIn:  Jason Patterson https://www.linkedin.com/in/jason-patterson-797a1ba2 Instagram:  Jasonpatterson365 https://www.instagram.com/jasonpatterson365?igsh=MTJwczc5bm45ZXhwOQ== YouTube:  Jasonpatterson365  https://www.youtube.com/@jasonpatterson365 TikTok: Jasonpatterson365  https://www.tiktok.com/@jasonpatterson365?_t=8kqN3CL1Nyr&_r=1 ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ  

In this episode of the Business, Wealth & Mindset Podcast, host Alex Sapala engages in an inspiring conversation with musician and actor Joe Kellz. The discussion delves into Joe's journey from his early days in Malawi to becoming a multifaceted artist, exploring the challenges he faced, including parental expectations and financial constraints in pursuing his music career. Joe shares insights into his musical evolution from gospel to a broader range of themes, emphasising the importance of authenticity and the value of collaboration in the industry. He reflects on the significance of understanding one's audience and the realities of making a living in the music business in Malawi. Throughout the episode, Joe's passion for music and his commitment to staying true to himself shine through, offering valuable lessons for aspiring artists and listeners alike. KEY TAKEAWAYS Value Creation: Success in the music industry is heavily tied to the value an artist brings to the marketplace. Artists should focus on developing their unique identity and skills to attract fans and collaborators. Authenticity Over Fame: Maintaining authenticity is crucial for artists. Engaging with the community and staying true to oneself can enhance an artist's connection with their audience, rather than solely focusing on celebrity status. Collaboration Strategy: Collaborating with established artists can be beneficial for exposure, but it’s important to ensure mutual interest and promotion. Both parties should actively market the collaboration to maximize its reach. Challenges of Early Career: Many artists face challenges in their early careers, including financial constraints and parental expectations. Overcoming these obstacles often requires persistence and creativity in finding opportunities to develop their craft. Evolving Music Style: Artists may evolve their music style over time to explore different themes and messages. This evolution allows them to connect with a broader audience and address various aspects of life beyond their initial genre. BEST MOMENTS "I wanted to put myself at a mutual level. My relationship with God is all right. I'm okay with that, also making sure that I'm able to write music for people." "No one owes you anything. As an up-and-coming artist, you feel entitled to certain people in the industry supporting you, but they have their own business to run." "Doesn't that take out a little bit of the creative genius? You know, when you're young, you just get inspired, write a song in a day, and it could be a hit."  "I believe that any other person has got a perception. If I'm the one writing the song, there has to be a joker in the song." "There is money in music in Malawi, depending on how you handle yourself. You need to make sure that people understand the value of your presence."   GUEST BIO With his interest in writing songs and performing, Joe Kellz (Born Kelvin Jonathan Pangani) is one of the renowned singer and song writer in Malawi. He rose to fame when he was part of the most vibrant youthful brand in Malawi known as Zathu Band. https://www.facebook.com/JoeKellzofficial https://youtube.com/channel/UC3xnkyHVm7Z29z4bQcNI15Q?si=ItQNY6IqGmZ56Yui https://www.instagram.com/joe_kellz_mw?igsh=MW90OWFwNGRxcDFubg== ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ  

In this episode of the Business, Wealth & Mindset Podcast, host Alex Sapala welcomes John Hughes, co-founder of the Pacioli Forecaster, a financial forecasting tool designed to aid entrepreneurs in their business journey. John shares his extensive background in the agricultural merchant trade and business advisory work, highlighting the challenges many new business owners face when it comes to financial literacy and investment preparation. He discusses the importance of having a solid financial forecast to attract investors and how the Patchouli Forecaster simplifies this process by allowing users to create detailed cash flow, profit and loss statements, and balance sheets. Listeners will gain insights into the tool's features, its relevance for various types of businesses, and the critical role of financial understanding in securing funding and driving business success. KEY TAKEAWAYS Importance of Financial Literacy: Many entrepreneurs struggle with financial forecasting and understanding their numbers, which can hinder their ability to secure investment. Having a solid grasp of financials is crucial for presenting to potential investors. Pacioli Forecaster Tool: The Pacioli Forecaster is a financial forecasting tool designed to help businesses create three-year cash flow, profit and loss, and balance sheet projections. It includes teaching aids and is user-friendly, allowing entrepreneurs to input their data and generate professional financial documents. Dynamic Feedback Mechanism: The tool allows users to adjust their forecasts based on real-time business performance. By inputting actual sales and expenses, entrepreneurs can see how their financial situation changes and make informed decisions to stay on track. Accessibility for Various Business Types: The Pacioli Forecaster is versatile and can be used by any type of business, whether service-based, product-oriented, or large corporations. It helps users understand their financial needs and projections regardless of their industry. Affordability and Trial Offer: The tool is available for a modest subscription fee of £10 per month, with a three-day free trial. This low-cost entry point encourages entrepreneurs to explore financial forecasting without a significant upfront investment. BEST MOMENTS "We realised that we needed to do better... the common denominator was they struggled when they presented their case to the business angels." "If you want to get the message across to your students, Pacioli invented tools... we created our own financial forecaster from the Excel source file." "A lot of people struggle with that. So if there is a tool that can actually make that process much simpler for people, it's absolutely definitely worth listening to." "In the hands of a good teacher, it can be used very effectively... you can do it yourself." "If you don't cancel it, it rolls on each month... for that small investment, you can change the whole prospects in raising money."   EPISODE RESOURCES When starting a business as a student or non-student entrepreneur wishing to learn the basics of setting up a business, you need to get your financial forecast as credible as possible to ensure success going forward to Investors and Banks. John Hughes had a successful career in the agricultural merchant trade after running an agricultural project in Southern India from age 18-20.  He then studied for an MBA over 2 years in the 1990’s, while at the same time growing a property renovation business with his wife in the Scottish Borders.  His work in Aberdeenshire and then Edinburgh with high growth start-ups revealed high levels of financial illiteracy which caused investment deals to be delayed or poor valuations to be struck.  The lack of a good financial forecaster to give to student and non-student entrepreneurs was a major problem and one which Sandy Neish and John have now solved.  Links: Pacioli Biz Forecast Ltd | Financial Forecasting Software VALUABLE RESOURCESBusiness, Wealth and Mindset podcast series    ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ

Alex discusses key principles from Dale Carnegie's book, "How to Win Friends and Influence People," focusing on effective communication and relationship-building techniques. Through real-life examples and anecdotes, Alex emphasises the importance of empathy, listening, and praising others to build positive relationships. The episode also touches on the significance of admitting mistakes, offering genuine praise, and encouraging personal growth. Overall, the episode provided valuable insights on improving interpersonal skills and fostering positive connections in various aspects of life. KEY TAKEAWAYS Utilise the Power of Praise: Giving sincere and specific praise can motivate and inspire others to improve and excel in their work. Admit Your Mistakes First: When trying to change someone's behaviour, start by admitting your own mistakes before criticising them. This approach can make the person more receptive to feedback. Encourage Others to Talk About Themselves: People appreciate being listened to and valued. Encouraging others to talk about themselves can make them feel important and build rapport. Appeal to Noble Motives: Appeal to the highest moral principles of a person to influence their behaviour positively. This can help in gaining their cooperation and support. Make Default Seem Easy to Correct: Instead of focusing on someone's shortcomings, highlight their strengths and suggest that improvement is achievable through practice. This can instil hope and motivation for growth. BEST MOMENTS "People can hold resentment for inserts that can last a lifetime."  "A smile says I like you. You make me happy. I'm glad to see it's a message of goodwill."  "Almost all the people you meet actually feel superior to you in some way."  "Every time you interrupt, you empty the bottle. It has to start again."  "Let the other person feel like their idea is his or hers."  VALUABLE RESOURCESBusiness, Wealth and Mindset podcast series    ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ

This episode discusses the five habits of highly calm people, exploring techniques to cultivate a sense of calm amidst chaos. Alex talks about practices such as emotional control, utilising the trap it, map it, zap it technique, and the importance of breath in reducing stress. Alex emphasises the power of letting go of control, setting boundaries by saying no to say yes to self-care, and finding the good even in challenging times.  KEY TAKEAWAYS Practice Emotional Control: Utilise the "trap it, map it, zap it" technique to catch and reframe stressful thoughts and emotions for a calmer response. Use Breath: Implement the three-part breath technique to activate the parasympathetic nervous system and induce relaxation during times of stress. Let Go of Control: Release the need to control outcomes rooted in fear, and trust in your ability to navigate difficult situations for a pathway to calm and possibility. Say No to Say Yes: Establish boundaries by saying no to activities that do not support mental or physical well-being, allowing for a big yes to self-care and overall health. Find the Good: Practice the rosebud thorn technique to balance perspective and find positivity even in challenging circumstances, promoting a shift from anxiety to calmness. BEST MOMENTS "Learning to cultivate calm is actually very much a practice."  "Threats to our safety arise when we are going through a difficult time and they drive us to resort to those long-held emotional reactions."  "In yoga, the three-part breath is the first technique that's usually taught to students because it's simple yet highly effective."  "Many of us hold on to control for dear life. We attach ourselves to outcomes and push for things to actually happen the way we want."  "Even in the darkest times, we can choose to find the good, which research actually shows helps turn anxiety to calm by balancing our perspective."  VALUABLE RESOURCESBusiness, Wealth and Mindset podcast series    ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ

On this episode of the Business Wealth and Mindset Podcast, host Alex Sapala interviews self-made multimillionaire Rob Moore. Rob, a successful entrepreneur and author, shares insights from his journey to success, including his early start working in his father's pub at a young age. He discusses his passion for business, his bestselling books, and his philanthropic efforts through the Rob Moore Foundation. Tune in for valuable lessons on entrepreneurship and mindset from Rob Moore. KEY TAKEAWAYS Focus on the one thing: Overwhelm can be eliminated by focusing on the one right action at a time. Competition as a motivator: Competition can be a driving force for growth and progress, pushing individuals to be better. Evolution through challenges: Overcoming challenges, both external and internal, leads to personal growth and evolution. Mindset is key: Mindset plays a crucial role in success, with thoughts becoming things and shaping actions and results. Risk is necessary: Taking risks is essential for living life to the fullest potential and achieving success. BEST MOMENTS "Comfort is the enemy of greatness." "Money isn't everything, but everything is better with money." "If you don't risk anything, you risk everything." "Competition is great because it makes better services, better products, and better prices." "The biggest battle we're fighting is with ourselves in our own head." VALUABLE RESOURCESBusiness, Wealth and Mindset podcast series    ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ

Been to an event, got highly motivated, fired up and ready to go the next day? Get started, hit some blocks, motivation wanes, you give it, you get excited about something else only to repeat the cycle. Sounds familiar? In this episode, Alex discuses the four phases of implementing any strategy (Euphoria, Epiphany, Evolution and Excellence) and why most people get stuck in a shiny penny syndrome loop in the first two stages and (most importantly), the BLUEPRINT to reaching the Excellence stage. If you've ever procrastinated on a venture, hit obstacles, develop limiting beliefs and quit, hit a plateau and can't seem to breakthrough that glass ceiling then this episode is for you.   KEY TAKEAWAYS Surround yourself with like-minded people Inspiration can help you gain motivation Accountability from others and yourself is essential in meeting goals. Shifting mindset is a fundamental part of personal development. By having a clear vision, developing a compelling reason why, and upgrading the belief system, a positive and empowering mindset can be cultivated to help overcome challenges and achieve goals. You need vision to find success. A compelling vision and a clear blueprint helps you stay motivated and overcome challenges, BEST MOMENTS  "I've built up a six-figure property business up to now, but that has actually been built up simply by following a system, simply by following a model. And it is this model that I'm going to share with you guys tonight so that you can also benefit." "You go pass through the traffic lights and so on. Because you've developed this unconscious competence. You can do things almost on autopilot because you've been doing things many, many times over." "You are eliminating your excuses. You own your agenda here. You know there's no one else who is going to come for you. Everything depends on you."  "In the absence of clearly defined goals, we become strangely loyal to performing daily trivia until, ultimately, we become enslaved by it." VALUABLE RESOURCESBusiness, Wealth and Mindset podcast series    ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ

Alex is a guest on the "Show Me The Money Podcast: Unlocking Property Finance“, where he joins discussions with Marc Champ and Ro Sharma to explore his experiences with finance for his investment strategies. With years of combined experience in the real estate and financial industries, Marc and Ro bring a wealth of knowledge to the table. Their engaging discussions, in-depth interviews with industry insiders, and captivating storytelling will leave you inspired and armed with the tools you need to make informed decisions in the ever-evolving intricate landscape of property finance. With mixed use and commercial to residential property investments and a financial services background, the episode focuses on investments in the Midlands and North East. Alex is also a co-host of PPN Brentwood. KEY TAKEAWAYS Alex believes in using property as a vehicle to achieve financial and time freedom. His strategy focuses on buying commercial or mixed-use properties, splitting the titles, and converting the commercial units into residential to maximize returns. The target acquisition value ranges from £100,000 to £150,000, with a minimum of two-bedroom units and a minimum yield of 25% on capital employed. The corporate structure involves setting up separate SPVs for the freehold and leaseholds, with different lenders used for each property to spread the risk. Leveraging commercial units can be challenging due to limited lender options and lower loan-to-value ratios, but refinancing after converting to residential can help release equity. BEST MOMENTS "I stumbled on it actually by, I wouldn't say accident, but I had a light bulb moment." "What if I had 10 of these? Essentially, I wouldn't need to actually work." "The focus has always been to leave as little money as possible so that you can build a portfolio with the same pot of cash." "We are picking up a lot of commercial or semi or mixed-use properties." "We're looking for like infinite yields. I mean, obviously, these are the deals whereby you put all your money out and you have nothing invested and they are fully mortgaged." VALUABLE RESOURCESBusiness, Wealth and Mindset podcast series    ABOUT THE GUEST You can get in touch with Ro and Marc at ro@finuraproperty.co.uk and info@wharffinancial.co.uk. CONTACT DETAILShttps://www.facebook.com/luciuschicco.bandahttps://instagram.com/banda.lucius?igshid=NTc4MTIwNjQ2YQ==https://youtube.com/channel/UCfYp6fQFVmMIP0rmQmXLQ4g ABOUT THE HOSTAlex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange, and interest rates to operational risk from the world’s top financial and advisory institutions including Deloitte, RBS, and JPMorgan ChaseAlex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs).He specialises in raising finance, providing potential investors, investors, and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoringAlex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference.Alex is also a keen traveller, cyclist, and photographer. CONTACT METHODFacebook: https://www.facebook.com/alexsapalaofficial/Twitter: https://twitter.com/alex_sapalaYou Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ