Do your mortgages repayments feel high? Connect with Sarah here: <a href="https://www.dentistswhoinvest.com/sarah-grace-mortgages">https://www.dentistswhoinvest.com/sarah-grace-mortgages</a> ——————————————————————— You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— Enter the world of mortgages with Sarah Grace, a seasoned pro with 27 years of experience specializing in helping dentists navigate the intricacies of securing a mortgage. Brace yourselves as she schools us on the importance of getting in touch with a mortgage advisor at the right time, and spills the beans on the key role that deposits play in the mortgage game. Sarah also gives us a low-down on what kind of monthly payments to expect, based on your budget of choice. As we continue our chat with Sarah, we step into the current mortgage landscape. We explore the relatively unchanged cost of funds over the past year and the weight of the deposit in determining the mortgage rate. Catch a glimpse of the housing trends with Sarah as she highlights the ongoing exodus from London and ponders on the possible after-effects of the soon-to-end stamp duty holiday. And for our first-time buyers, Sarah has a trove of tips and reminders, the most important being that property investment is for the long haul. So, buckle up for this enlightening journey through the world of mortgages and investments!

Sarah Grace do your mortgage repayments feel high?

Mortgages: The Current Market/First Time Buyers with Sarah Grace DWI-Ep21

Sarah Grace Do your mortage repayments feel high?

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— Prepare to throw out the rulebook and challenge the conventional wisdom of property investment. Matt Rickard, respected financial advisor, joins us to dissect the contentious landscape of buy-to-let investments, revealing hidden pitfalls and potential opportunities. We challenge the status quo, breaking the money talk taboo among dentists, and scrutinizing the deep-seated mistrust of financial professionals. Ever wondered how the recent changes to rental property tax legislation, implemented in April 2020, impact your buy-to-let investments? Matt navigates us through the new tax rules, exposing how a lack of necessary research and calculations can lead to disappointing returns on investment. We unravel the negative effects of following the herd mentality among dentists and doctors in property investments. But that's not all. We take a bold stride into the unchartered territory of the COVID crisis and its impact on property markets.&nbsp; With insightful analysis of the new normal, we delve into the drastic shifts in work and study habits, and their financial implications for buy-to-let and holiday-let owners. Despite the challenges, Matt affirms the resilience of dentists, highlighting their unique financial advantages. Wrapping up, we explore the crucial role of diversification in investments and the necessity of staying informed through our podcast. So tune in, shake off the old thinking patterns, and embrace a fresh perspective on property investments and financial advice!

The Academy understand how to invest as a dentist

Are Buy To Lets Dead As An Investment? with Matt Rickard DWI-Ep20

The Academy Want to shortcut your investment education by years

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— Ready to arm yourself with the legal know-how to navigate the terrain of dentistry? Picture this: You're about to sign a contract as an associate, but it seems a little vague, leaving you unsure of your rights and responsibilities. Our guest, Kate Ford, a healthcare law expert from Ruddling's Wakelums Listers, helps us swat away the legal jargon fogging up your understanding of associate contracts in dentistry. We take a deep look into the nitty-gritty of employment and self-employment contracts. Kate guides us through the maze, offering wisdom on the duties of trust and confidence, job security, and the potential pitfalls of not having a bespoke agreement. We also explore the importance of clear and comprehensive contracts, identify critical elements like remuneration, termination clauses, and restrictive covenants designed to protect the business.&nbsp; As we continue our journey, we'll tackle the ambiguity in contracts and how it impacts both parties. We'll also discuss practical ways to protect yourself as an associate and what the infamous IR35 means for you. Plus, we'll share top tips on addressing arising issues and understanding the significance of restrictive covenants. All in all, this episode is a legal treasure trove for dental associates seeking to navigate their professional relationships confidently and successfully. So, grab your headphones and join us for this enlightening conversation with Kate Ford.

The Academy Want to become a DIY investor too

Associate Contract Law: How to Avoid Getting Duped with Kate Ford DWI-Ep19

The Academy Discover Your Options as an Investor

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— Imagine how your life could change if you mastered the ins and outs of property investment. Ready to ditch the ordinary and dive into the extraordinary? Join us as we venture into the complex, yet intriguing world of real estate with seasoned investor, Harry Singh. Harry gifts us with his wealth of knowledge, discussing the benefits and drawbacks of owning property in your own name versus a limited company. He breaks down the tax implications of each and how they can influence your cash flow. Plus, he emphasizes the importance of consulting your accountant, but we bet you didn't think of that! We then shift gears to focus on the current economic climate and how it is impacting the property market. With the ending of stamp duty holidays, the introduction of quantitative easing, and the sudden surge of staycation apartments, it's crucial to stay informed. We give you the lowdown on these latest trends, plus essential tips for climbing the property ladder. But that's not all, we've also got you covered on the financial implications, strategies for property investment, and the secrets of incorporation relief. Exclusively in this episode, we discuss how to use a debt-free property as collateral for purchasing other properties. What's more, Harry shares his experience of building relationships with local brokers, calculating yield correctly, and even setting up a limited company for investments. We cap off our discussion by delving into the intricacies of the investment property industry and the often overlooked importance of tenant selection. Tune in as we tackle all this and more, leaving you equipped with a wealth of knowledge to navigate the property investment landscape with confidence and ease.

Q&A With A Property Guru with Dr. Harry Singh DWI-Ep18

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— Ever wondered about the intricacies of dentist loans and the path to financial success? Today, we bring you an enlightening conversation with our guest, Kevin Saunders, an expert in healthcare finance with a deep understanding of commercial finance in the dental sector. Kevin enlightens us on a variety of financial products available to dentists, emphasizes the power of clean banking statements, and provides insight into how individual expenditure and experience in practice management can influence your loan approval. We venture into the tumultuous COVID era, discussing how it has reshaped dental practice financing. With Kevin, we dissect the detailed process of practice purchases, the effects of the pandemic on these procedures, and the significance of maximizing fees prior to purchase. We also delve into the examination criteria banks use to assess a dentist's potential for replicating the principal's fee level and how various pandemic-induced changes, such as payment holidays and bounce-back loans, are accommodated. We wrap up with a chat about the vibrant DentistUniversed Facebook group, a thriving community of dentists with a penchant for trading. Kevin shares his journey of guiding dentists to deepen their understanding of finance and investing and encourages everyone to join this dynamic group. So, tune in for an episode brimming with valuable insights, guidance, and a passion for finance in the dental sector. Don't miss a chance to learn from the best!

How To Be Savvy When Borrowing To Fund Your Practice Growth with Kevin Saunders DWI-Ep17

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— Here's your golden ticket to financial literacy! Join the enlightening discourse with Financial Advisor Roderick Sam, who graces our podcast with his expertise. From the intricate world of pensions to the dynamic landscape of investments, Roderick peels back layer after layer, unveiling the seemingly complex world of finance in a language that even those faint of heart in the face of numbers can comprehend. Ever pondered how much of your earnings should go into your NHS or private pension? How about the tax implications of investing in Bitcoin? With Roderick's guidance, we navigate these mind-boggling mysteries together. We delve into the importance of emergency funds and why holding 20% of your portfolio in cash may be your safety net against a market downturn. We also traverse the terrain of property investment as a limited company and expose the common financial missteps dentists often make.&nbsp; This isn't just about numbers and investments, it's about your future. Roderick highlights the necessity of critical illness cover and income protection insurance, advising on the tax implications over the £100k threshold. With his insights on SIPs, TESSAs, PEPs, and ISAs, you'll be well-equipped to make sound financial decisions. So tune in and take control of your financial future with confidence. Let's journey together towards financial savvy and security.

Q&A With A Financial Advisor with Roderick Sam DWI-Ep16

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a>——————————————————————— Are you ready to uncover the truths of Bitcoin's captivating history? This episode promises an intriguing dive into the world of cryptocurrencies, courtesy of our guest – the seasoned dentist and author, Victoria Jones, who unveils her insights on this revolutionary digital currency. From the birth of Bitcoin to its bull market, we're here to guide you through this fascinating journey, and the potential implications of its pervasiveness on our global economy. Expect a riveting discourse touching on the nuances of money and how our past experiences and backgrounds shape our perception of it. Victoria shares her personal journey from starting her boutique dental practice to becoming a Bitcoin enthusiast, revealing how these experiences influenced her understanding of money. The discussion expands into the broader aspects of finance, scrutinizing the history of hyperinflation and its impact on civilizations and currencies, as well as the artificial inflation in markets due to the tying of money into assets. In the latter part of the episode, we talk about the future of Bitcoin and other cryptos, the role of blockchain technology, and if Bitcoin is on the path to hitting the 100K mark. Victoria also shares her recommendations on altcoins that could be promising investments. Listen in as we dissect the influences and potentials of Bitcoin in our world today. And for those eager to delve even deeper, don't forget to check out Victoria's book, "Truth Decay", for a comprehensive understanding of Bitcoin and the financial system.

DWI Store

Bitcoin/Crypto with Dr. Victoria Jones DWI-Ep15

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a> ——————————————————————— Imagine navigating the complexities of dentistry during a global pandemic. How do you balance providing patient-centered care with the financial demands of a practice? Our guest, Tony Kilcoyne, a specialist prosthodontist and executive committee member of the British Dental Association (BDA), offers his unique insights on this very challenge. As we traverse through Tony's journey, we delve into the effects of the pandemic on NHS dentistry, the 45% UDA ruling, and the evolution of his career. We didn't stop at just discussing the challenges in dentistry. We ventured deep into the world of investing and finance, elucidating the importance of diversification, especially during the trying times of a pandemic. Tony generously shared his investment strategies and advice, offering listeners a glimpse into his thought process about reducing debt burdens, investing in oneself, and understanding the costs of buying and selling a house. As we wrap up the conversation, we touch on the exciting realm of blockchain technology and cryptocurrencies. How might these disrupt the future of finance? Tony's insights into the Value Exchange Token provide a tantalizing prospect. Join us for an episode teeming with practical advice, wisdom, and a fresh perspective on tackling the challenges in the dental industry and beyond. ——————————————————————— Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

Dr. Tony Kilcoyne Re-elected To The BDA with Dr. Tony Kilcoyne DWI-Ep14

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a> ——————————————————————— Are you on a quest to master the art of investing and attain financial freedom? Buckle up, because this episode is your ultimate guide to this exciting journey. We delve deep into the waters of smart investing, showcasing why a solid plan is an investor's best friend. We shed light on the subtle yet critical difference between retirement and financial freedom, drawing from my own enlightening journey of podcasting for the past three years. As we reflect on the rollercoaster ride of 2020 and 2021, we also gaze into the crystal ball for what lies ahead for our podcast and our thriving community. Next, we take a detour to explore the magical world of financial freedom. How can savings translate into freedom? What's the role of controlled spending? And why should you have a cushion of money? We answer these and more, with a special focus on the types of debt you should keep an eye on. And who better to guide us through this labyrinth than a financial expert, Mike Bryan? He joins us to decode the complexities of tax planning, the diverse worlds of investing and trading, and how your time availability should shape your investment strategy. As we approach the end of this enlightening ride, we unpack the power of dollar-cost averaging and diversification in propelling your financial success. We also ponder the potential future of the S&amp;P and the benefits of fostering a community around shared interests. Finally, as we usher in the festive season and the New Year, we take a moment to appreciate the strength of human connection and embrace optimism for the future. So, join us on this empowering journey and take a step closer to achieving your financial success. ——————————————————————— Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

Some Reflections On Money And The Journey So Far with Dr. James Martin DWI-Ep13

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a> ——————————————————————— Want to unravel the mysteries of the NHS Pension? Do you find yourself puzzled over the complexities of different pension schemes - 1995, 2008, 2015 and the varying factors that define them such as accrual rate and normal pension age? Look no further, as we sat down with Luke Hurley, an independent financial advisor brimming with expertise in NHS Pensions, who shares his insights into navigating this intricate landscape. In our enlightening discussion, we not only delve into the various sections of the NHS pension but also draw comparisons with private pensions, offering you a comprehensive outlook. Tune in as we dissect the pros and cons of having your own private pension versus the NHS pension, scrutinize the realities of planning for financial independence, and evaluate the expenses related to different lifestyles. Buckle up as we venture into investment territories, weighing up the benefits of passive investing against active investing, and the implications of each for your pension. To round off this vital conversation, we shift gears to focus on retirement planning and the crucial role of tracking NHS pension contributions. Luke shares his wealth of knowledge on tax implications of making personal contributions to a pension, and the advantages of employer contributions to a limited company's pension. We also touch on the services Luke offers to help dentists decipher the NHS pension intricacies. Listen in as Luke enlightens us on his journey from traditional financial advice to goal-led financial planning services, and his transition to a fixed flat fee model. Get ready for this indispensable episode that promises to illuminate your understanding of the NHS Pension and its impact on your financial future. ——————————————————————— Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

How The NHS Pension Actually Works with Luke Hurley DWI-Ep12

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a> ——————————————————————— Do you ever wonder how tax strategies could transform your dentistry practice? Join us on a journey to tax efficiency with our special guest, Mike Bryan, a partner at Humphrey Co., one of the nation's largest dental accountant firms. With a decade of experience under his belt, Mike unravels the complexities of the tax world, sharing how he guides dentists from their first year in practice to running multiple offices. He offers critical insights into the importance of hiring a qualified accountant and navigates the landscape of exemptions, tax bands, and personal allowances. Imagine wielding the tax system to your advantage. Mike delves into this fascinating world, exploring how to maximize tax deductions and credits, while also warning of the pitfalls in filing your own returns. He unveils the intricacies of the 'stealth tax' and explains effective tax rates for those earning between £9.5k and £50k. We also tackle the topic of dividends, the potential of a family investment company, and the nuances of company finances. As a bonus, Mike enlightens us on the versatile role of an associate and key considerations when claiming. Ever thought about the tax implications of investing in cryptocurrency? Our conversation with Mike doesn't stop at dentistry. From considering the effect of cryptocurrency investments on the SIC code of a limited company to discussing how these investments impact the risk assessment of banks considering lending, Mike covers it all. He also provides smart strategies to ensure you're not paying too much tax on your crypto profits. Tune in for this enlightening discussion and discover how to become more tax-efficient, both in your practice and personal life. ——————————————————————— Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

Tax Efficiency with Mike Bryan DWI-Ep11

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here &gt;&gt;&gt;&nbsp; <a href="https://www.dentistswhoinvest.com/podcastreport">dentistswhoinvest.com/podcastreport</a> ——————————————————————— What if you could harness resilience to convert your dreams into a reality, even in the face of debilitating adversity? This episode offers a glimpse into the life of Dhru Shah, the founder of Dental Tubules, and his extraordinary journey from Kenya to the UK and his progression from a struggling dentistry student to a successful entrepreneur. We discuss the evolution of Dental Tubules, the addition of video content, forums, study clubs, and the tumultuous year of 2017 that posed immense challenges but marked the relaunch of the platform. As fascinating as his journey is, Dhrus wisdom about entrepreneurship and investing, gained from his personal experiences, can serve as a guide for many aspiring entrepreneurs. He shares his experiences with balancing personal and work life, how he learned to manage his time effectively, and the strategies he employed to stay motivated. Dhru details the trials in procuring capital for his business, emphasizing the importance of problem-solving and creative thinking. Listen closely as Dhru reveals the challenges in convincing people to invest in his vision, and the need for a shift in the investment model to better support entrepreneurs. Lastly, we venture into the territory of investing with Dhru. His advice on preserving capital, managing growth, and his insights on secure investments make for an enlightening discussion. We also dive into the significance of books and lifelong learning, and how investing in personal and professional development can catalyze growth. Get ready to be inspired by Dhru's journey, gain some entrepreneurial wisdom, and learn the art of investing from Dhru's experiences.dvice. All content represents an opinion only. ——————————————————————— Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.

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