By Alex Sapala
Hosted by Alex Sapala, a prize-winning chartered accountant with experience in business, property and financial markets from the world’s top financial and advisory institutions including Deloitte,
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The podcast currently has 166 episodes available.
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.
https://www.facebook.com/Namadingo
https://www.instagram.com/dr.namadingo?igsh=cjBnbHE5NHFjcWZj
YouTube
https://youtube.com/@namadingo?si=PF57TsvfQRKmL037
ABOUT THE HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You 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 HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You 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 HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You 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 RESOURCES
Business, Wealth and Mindset podcast series
ABOUT THE HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You 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 RESOURCES
Business, Wealth and Mindset podcast series
ABOUT THE HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You 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 RESOURCES
Business, Wealth and Mindset podcast series
ABOUT THE HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You 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 RESOURCES
Business, Wealth and Mindset podcast series
ABOUT THE HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You 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
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.
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 RESOURCES
Business, Wealth and Mindset podcast series
ABOUT THE HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You 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 RESOURCES
Business, Wealth and Mindset podcast series
ABOUT THE GUEST
You can get in touch with Ro and Marc at [email protected] and [email protected].
CONTACT DETAILS
https://www.facebook.com/luciuschicco.banda
https://instagram.com/banda.lucius?igshid=NTc4MTIwNjQ2YQ==
https://youtube.com/channel/UCfYp6fQFVmMIP0rmQmXLQ4g
ABOUT THE HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ
Lucius has been hosting too many popular musicians, helping to begin the careers of Mlaka Maliro, Paul Chaphuka, Billy Kaunda, Cosi Chiwalo, Wendy Harawa, Emma Masauko, Enort Mbandambanda and Charles Nsaku.
In this captivating interview, Lucius walks through his early days, family, siblings, growing up, music, experiences of the hardest of times as a musician and family man, successes and challenges and lessons therein.
This episode is a must-listen for those who are curious and wonder what it takes to be inspired to pursue one’s dreams and navigate the challenges along the way against all odds.
It is a story of hope, freedom and everything in between. Here’s to the Legend that is Soldier Lucius Banda
KEY TAKEAWAYS
BEST MOMENTS
‘When we have hope we can do things the right way’
‘The change is a very big responsibility but it’s a positive that it's happening’
‘I have my own philosophies and own beliefs and I stand by those whatever happens’
RESOURCES FOR THIS EPISODE
https://www.facebook.com/luciuschicco.banda
https://instagram.com/banda.lucius?igshid=NTc4MTIwNjQ2YQ==
https://youtube.com/channel/UCfYp6fQFVmMIP0rmQmXLQ4g
VALUABLE RESOURCES
Business, Wealth and Mindset podcast series
ABOUT THE GUEST
Lucius Chicco Banda, better known by his stage name Soldier Lucius Banda, is a Malawian singer-songwriter and music producer from Balaka, Malawi.
Born in 1970, his music career started in 1983 when he was 13 years old and started singing with his brother Paul Banda, leader of Alleluya Band. He first appeared on stage in 1985 with his brother's Alleluya Band.
Lucius later joined Dorkey house in Johannesburg, where he spent one full year studying music.
He recorded his first album titled 'Son of a Poor Man' at Shandel music studio with the help of producer George Arigone (an Argentinian). He had Nonhlanhla Mkhize and the famous gospel singer Debora Fraser on backing vocals.
His album became popular with hits like Mabala, Get up stand up, Linda and Life On Earth. From there he launched his long career of music which took him to 20 albums by 2023.
CONTACT DETAILS
https://www.facebook.com/luciuschicco.banda
https://instagram.com/banda.lucius?igshid=NTc4MTIwNjQ2YQ==
https://youtube.com/channel/UCfYp6fQFVmMIP0rmQmXLQ4g
ABOUT THE HOST
Alex 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 Chase
Alex 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 mentoring
Alex 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 METHOD
Facebook: https://www.facebook.com/alexsapalaofficial/
Twitter: https://twitter.com/alex_sapala
You Tube: https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ
The podcast currently has 166 episodes available.