102 episodes

Investing, business, finance &economics - Mark Homer has the experience to help you with many of your questions & challenges. Mark My Words is a successful, eccentric & introverted businessman’s experience of 20 years with no waffle, ads, bravado or big pitches. Mark will interview the worlds most successful business, finance & money experts as well as impart his knowledge in a factual, direct manner. Mark runs & owns multiple businesses & property portfolios so teaches you what he does on a daily basis. A contrarian investor & capitalist, Mark will help you raise more finance, make more money & grow your business empire.

Mark My Words Podcast Mark Homer

    • Business News

Investing, business, finance &economics - Mark Homer has the experience to help you with many of your questions & challenges. Mark My Words is a successful, eccentric & introverted businessman’s experience of 20 years with no waffle, ads, bravado or big pitches. Mark will interview the worlds most successful business, finance & money experts as well as impart his knowledge in a factual, direct manner. Mark runs & owns multiple businesses & property portfolios so teaches you what he does on a daily basis. A contrarian investor & capitalist, Mark will help you raise more finance, make more money & grow your business empire.

    100th Episode Special: Ask Me Anything, Coronavirus to Investing

    100th Episode Special: Ask Me Anything, Coronavirus to Investing

    Welcome to the 100th episode of the Mark My Words podcast, hosted by Progressive Property Co-Founder and expert investor, Mark Homer. Tune in to an exclusive anything goes Q&A, Mark answers listeners burning questions from the best way to get into property to what he is currently buying and selling in this uncertain time. Don’t miss this one-off special.

    KEY TAKEAWAYS:

    Q. What is the best way to get into property with limited money?

          A. The quickest way would be to find a partner who you can work with or possibly do a rent to rent deal whereby you are leasing properties from another landlord and then subletting rooms out. You could also do a JV with landlords where you can source properties for them and get into it that way using their money.



    Q. Will the world be the same after COVID-19?

          A. I very much doubt it, I think people will want more protection when traveling. They are probably not going to get on a plane in the same way, they will be using more sanitisation products. Until we can get a vaccine I think people will behave differently.



    Q. How do you recommend finding a JV partner during the lockdown?

          A. I think online is perfect. You are going to be having a lot of virtual relationships online because you cannot go out and meet people. Facebook, Twitter, Instagram, and LinkedIn are good ways. You can make lots of calls virtually on Zoom or Skype.



    Q. If you’re starting out in property now what strategy would you use and when?

          A. If you can buy serviced accommodation units or hotels provided you have an experience that is a way forward. If you are inexperienced I think sticking with single lets or HMO is still a good idea, just ease yourself into it gently by doing only one. You will probably face some issues initially with getting people to move and buying property in this three month period. Learn as much as you can online, download study packs and get ready.



    Q. What are you currently buying and selling?

          A. I am not buying anything at the moment, I am developing a number of apartments and I have another one in the planning.



    Q. What shares and stocks are a must-buy?

          A. You could buy individual stock. If you are looking for a five to ten-year horizon then you could probably do well out of it. If you’re worried they will go down again then I wouldn’t buy right now. If you are not experienced you may want to buy a FTSE tracker fund or something like that where they put you into a nice spread of the market with very low fees.

     

    BEST MOMENTS

    “Cash is king right now”

    “Educate yourself, and get ready”

     

    ABOUT THE HOST

    Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.

     

    CONTACT METHOD

    Email: Markhomer@progressiveproperty.co.uk

    LinkedIn: https://www.linkedin.com/in/markhomer1

    Facebook: https://www.facebook.com/markprogressive

    Twitter: https://twitter.com/markprogressive

    • 10 min
    Coronavirus; What it Really Will & Won't Affect With Rob Moore

    Coronavirus; What it Really Will & Won't Affect With Rob Moore

    Join Rob Moore and Mark Homer as they cover unchartered territory in this exclusive Q&A as they talk about what is affecting us all in this uncertain time.

    They talk about  the current property market and


    The implications and complications that isolation has
    How to continue trade to keep business going and 
    How they are personally navigating through these uneasy times. 


    This Q&A is ideal if you are worried or just simply intrigued about property, business or how others are handling the current global pandemic 

     

    Here are some of your questions and topics this duo has covered:

     
    Right now, should you be buying a property? 
    Will interest rates go negative?
    Should you be considering  extending  credit from your suppliers?
    Rob and Mark give you their tips and suggestions on overcoming procrastination
    PLUS the secret of Robs coffee order is revealed!

     

     

    Progressives founders are leading the way to show you it is ok to feel lost and challenged in your business right now and how this year can be a pivotal moment for you and your future. It is all about prioritising and this is definitely one to prioritise as you receive industry insights AND all questions are on the table! 

     

     

    VALUABLE RESOURCES

    Progressive Podcast Supporter Programme - http://bit.ly/PPsupporter

    Life Leveraged Book - https://www.amazon.co.uk/Life-Leverage-Outsource-Everything-Lifestyle/dp/1473640288

    Mark Homer LinkedIn - https://www.linkedin.com/in/markhomer1/?originalSubdomain=uk

    Mark My Words - https://podcasts.apple.com/gb/podcast/mark-my-words-podcast/id1165370399

    Mark Homer Twitter - https://twitter.com/markprogressive?lang=en

     

    ABOUT THE HOST

    Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.

     

    CONTACT METHOD

    Email: Markhomer@progressiveproperty.co.uk

    LinkedIn: https://www.linkedin.com/in/markhomer1

    Facebook: https://www.facebook.com/markprogressive

    Twitter: https://twitter.com/markprogressive

     

    • 58 min
    What Does 'Fire in The Belly' Mean to Mark? With Pete Lonton

    What Does 'Fire in The Belly' Mean to Mark? With Pete Lonton

    Everyone has a passion or a belief; something that drives them to be who they are. It’s a concept known as ‘Fire In The Belly’, explored further by Pete Lonton this week, when he discusses the driving forces behind the success of his special guest, our host Mark Homer.

    In this episode, Mark explains what “fire in the belly” means to him, as well as the purpose behind his mantra: “Focus like a laser on one thing, and become the best at it"

    KEY TAKEAWAYS
    You need to invest in things you understand, and in which you can, to some extent control. Mark sees far too many get-rich-quick schemes that promise much, but deliver little. Each opportunity contains a truth at its centre. It’s about find that truth and deciding if it’s a fit for you.

     
    Mark was trained at an early age to always play the long game. Saving was a big part of his childhood, and delayed gratification was a value instilled into him by his frugal father. Patience is a quality that has served him well.

     
    Networking with the right people allows Mark to constantly learn and grow. By providing value to the people around him, and by drawing value for them, Mark is perpetually developing.

     
    Investment is largely based around logic. Many of Mark’s successes have been built upon his instinctual talent with numbers, and his highly efficient systems based on data.

     
    Logic sometimes has to take a backseat though. there are times when Mark calls upon his gut instincts to make decisions. But as he explains, these feelings are always based upon experience, which in itself, is a logical choice.

     
    Hard work and self-sufficiency are the main values that Mark is hoping to instil into his own children. The greatest gift anyone can be given is self-reliance.

     
    You can develop yourself if you apply yourself. Baby steps that take you forward, and playing the long game with patience, are essential components for success, development and happiness.

     
    You’re often best-off doing what you know. For Mark and his business partner, Rob Moore, the founding of Progressive property has allowed them to see where they belong, and has made them recognise that the skills and talents they possess are best suited to the company they have founded.

     
    Stagnation is always a business-killer. Look for the opportunities to grow, even in the smallest areas. Be the best you can possibly be.

     
    Ego drives Mark to a certain extent. Pride should be taken in achievement, and it should also be used as a barometer for future opportunities.

    BEST MOMENTS
    ‘I love finding the truth of an investment’
    ‘I don’t like being frivolous. It makes me feel sick’
    ‘People like that are inspiring’
    ‘Gut feeling is the distillation of all the things you’ve learned over the years’
    ‘If you buy into that then you’re not going to be successful’
    ‘Words are only so effective’
    ‘You’ve got to keep it fresh’ 

    VALUABLE RESOURCES

    Mark Homer LinkedIn - https://www.linkedin.com/in/markhomer1/?originalSubdomain=uk

    Mark My Words - https://podcasts.apple.com/gb/podcast/mark-my-words-podcast/id1165370399

    Mark Homer Twitter - https://twitter.com/markprogressive?lang=en

    ABOUT THE GUEST

    The ‘Mighty Pete Lonton’ from the ‘Mighty 247’ company is your main host of ‘Fire In The Belly’. 

    Pete is an Entrepreneur, Mentor, Coach, Property Investor and father of 3 beautiful girls. Pete’s background is in Project Management and Property, but his true passion is the ‘Fire In The Belly’ project itself. His mission is to help others find their potential and become the mightiest version of themselves. Pete openly talks about losing both of his parents, suffering periods of depression, business downturn and burn-out, and ultimately his years spent not stoking ‘Fire In the Belly’. In 2017, at 37 years of age that changed and he is now on a journey of learn

    • 1 hr 2 min
    Live Q&A on Property, New Building Regulations, SA & Commercial Conversion

    Live Q&A on Property, New Building Regulations, SA & Commercial Conversion

    Join in a LIVE property Q&A discussion with one of the UK’s most experienced investors. Take a seat at an intimate insider property session with Progressive Property co-founder and Mark My Words host, Mark Homer and discover his insider predictions on the UK property market, the shape of current investments, property price predictions and new legislation. If you’re looking to get a head start in property, this is the episode for you.

    KEY TAKEAWAYS:

    How difficult is it to raise the value of a certain area?
    Developers often do this when they develop a larger site. They will do all the infrastructure, road networks and landscaping which will lift the values. I have never seen anybody achieve that by doing it on an individual property by property basis.

     

    How are you finding the market purchasing at the moment?
    I haven’t bought anything for the last six months, however, I do talk to many people. It depends where you are and what you’re looking for. I had some people telling me that the deal flow was really good at the moment. I think the possibility of a no-deal Brexit had ruined a lot of the sales up. If you’re finding it difficult, I would suggest looking at your supply lines. Get more agents, create leaflets and send them out once a month over the next six months. You should then find improvements in that area.

     

    Can you see any new legislation coming out that will disrupt the market at all?
    The only thing I have seen was a planning appeal whereby a council told owners that they couldn’t use the property as C3, it is C1 so they required planning consent. Which I thought was bad, but people seem to be carrying on as normal. Other legislation such as section 21, meaning that you’re not going to evict tenants for any reason, it will have to be for misuse of the property or non-payment of rent. I believe there will be more selective or additional licensing and more enforcement. There are lots of changes to leasehold properties, the ground rent is going to be set at zero for new ones.

     

    Are there any general tips you can give on making the transition to the next level up in property?
    You really need to end up with a margin on cost no lower than 20% once you’re at the end, which may be 30% when you’re starting out. I think it is a couple of units you can do with permitted developments, on your early ones it might be a good idea to go with a smaller unit and convert them. Sometimes you will have to pay more for those. It’s all in how much you buy it for, if you buy it cheap enough then you can almost go through this whole “university degree” with making all the mistakes through the project and come out the other end alright if you got it cheap enough.

     

    I’ve got lots of agents interested in investment, how can I convince them to invest?
    Go and sit in front of every single agent at least once every two weeks. Try and get them out and have really strong relationships with them. They are having deals but they’re going in other directions. When you don’t get any results for three months, with leafleting and talking to agents just keep rolling. They have to get the leaflets through the door at least three or four times.

     

     

    BEST MOMENTS

    “Get more agents, create leaflets and send them out once a month over the next six months.”

    “I think the possibility of a no-deal Brexit had ruined a lot of the sales”

    “You can make all the mistakes through the project and come out the other end alright if you got it cheap enough.”

     

    ABOUT THE HOST

     

    Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always

    • 44 min
    Have Your Cake and Eat it Too! Wealth Made Simple With Shaz Nawaz

    Have Your Cake and Eat it Too! Wealth Made Simple With Shaz Nawaz

    It’s a very special crossover episode this week, entrepreneur, investor, and tax expert Shaz Nawaz returns to Mark My Words! Listen in where they discuss everything from current projects and deals, tax strategies that have worked, the ways in which business can serve the community, and some of the tax misconceptions that might be needlessly costing you money.  

    The whole conversation is presented for you today!  

      

    KEY TAKEAWAYS 

     
    A No-Money-Down strategy has worked for Shaz lately. He’s just begun a project involving the building of several properties in a development, without spending any of his own capital. They say “money down doesn’t work”, but Shaz and Mark are of a very different opinion.  
    Previously, there was no tax to pay on dividends until you used up your basic rate and that’s why people used a corporate partner. That’s also why the rules were changed in 2014.  
    Large corporates can be brought to places like Peterborough, because the students who study at the university there, are highly desirable in terms of hiring potential. This creates jobs, which in turn benefits the city.  
    Not everything can go right all the time. Sometimes things go wrong. You can’t prepare for every failure, but you can learn from them.  
    Shaz predicts that councils will soon own more of their own stock, and that housing-associations will diminish. The profit can then go back to the councils, which means more public spending, which is a complete win.  
    People should always look into as many tax reliefs os possible, especially hybrid reliefs. Shaz recommends that use of home office for your business can stretch to several rooms, and therefore be larger, if you are holding stock at your home.  
    Saving money through tax is far more economical for you. If you save £138,000 through your business, then you may only end up with half that due to those savings being taxed. But if you save that amount through tax, then it’s all yours. 

     

    BEST MOMENTS 

    ‘Money down doesn’t work - but obviously it does for you!’ 

    ‘We can’t have our cake and eat it all of the time’  

    ‘You flatter. Not to deceive!’  

    ‘You create a circular economy’  

    ‘It’s reinvention in a different way’  

    ‘You shouldn’t let the tax tail wag the dog'  

     

    VALUABLE RESOURCES 

     

    Mark My Words Podcast - https://podcasts.apple.com/gb/podcast/mark-my-words-podcast/id1165370399  

     

    ABOUT THE GUEST



    Shaz Nawaz is a serial entrepreneur; he owns five thriving businesses in diverse sectors.  

    Shaz is committed to helping business owners build successful businesses. Having conducted over 3,000 business growth consultation he has helped his clients generate millions in additional profits. His purpose is to inspire business owners to build businesses that are hugely profitable and sustainable.  

    He is a huge advocate of having multiple streams of income. He has written a number of business books and regularly contributes articles to mainstream media outlets.  

     

    You can find Shaz on:  
    Facebook
 
    LinkedIn
 
    Instagram
 
    YouTube.
 

    ABOUT THE HOST


    Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined. 

    CONTACT METHOD
    Email: Markhomer@progressiveproperty.co.uk
    LinkedIn: https://www.linkedin.com/in/markhomer1
    Facebook: https://www.facebo

    • 48 min
    My 5 Closely Guarded Secrets For 2020

    My 5 Closely Guarded Secrets For 2020

    Don’t wait on the sideline for things to happen, get ahead of the game and make 2020 your year. If you’re looking for expert advice on property prices, interest rates and the state of the economy this episode is for you. Discover Mark’s top 5 predictions for 2020 and find your opportunity to make a profit. 

    KEY TAKEAWAYS
    Towards the end of 2020, we're going to see improvements in the economy. London has been falling 20%, 25%, 30% in some areas, you've got Kensington, Chelsea, Knightsbridge, they've all dropped, probably because they went too far, but also the fact that lots of foreign buyers have not been purchasing because they've been waiting on the sidelines for Brexit to happen.
    Rents will rise between 5% and 10%. In 2019 the government has attacked landlord, George Osborne introduced clause 24, stamp duty went up and there have been lots of new regulations for landlords. We can see all of this exacerbating, getting pushed into the marketplace and now we're seeing the results, there is less supply of rental property, there are fewer properties available to rent with slightly more or significantly more tenants chasing fewer properties and, therefore, the only thing that can happen is rents will rise.
    UK interest rates to remain flat through 2020 and we have had a surprise in the market today, in the economy got smaller by point .1%  (Nov 19), but because that surprised the market a little bit, the market has a greater expectation that interest rates may fall ever slightly at the next monetary policy committee meeting. However, I don't think you're going to get much movement at all in 2020.
    Banks will become more aggressive in 2020. At the end of 2019, we went into a period where banks got quite jittery, and that was because of the yield curve inverted.
    Classic car values have fallen over the past 3 years in the UK and it’s expected stop, however higher value cars will reduce in price and that will be a great investment strategy.
    2020 we've got the US election Trump is running again. Things will probably move around significantly if he ends up going. He probably has created higher growth. People in the USA say, the amount of regulation on business and tax on business has reduced significantly and this is stoking growth.

    BEST MOMENTS
    “2020 may see a bit of growth in central enterprises.”
    “Whilst fewer landlords are looking to purchase, there are also plenty looking to dispose of their property portfolios as well because they can't necessarily go into a limited company or they see that licensing or regulation changes.”
    “If the government makes it more difficult to buy buy-to-let properties and put landlords off and tell them they're going to tax them more and the papers keep smashing them, fewer landlords to buy and more will look to dispose off their rental properties, therefore, there are fewer properties available, the same or more amount of tenants chasing them and thus prices to go up.”
    “Deflationary pressure comes about through lack of investment, lack of economic growth, and therefore, the government or the Bank of England is more likely, because they can't reduce interest rates anymore, they got nowhere to go, the only thing they can do is start printing money or creating bonds and then re-buying them increasing the money supply, which is called quantitative easing, or QE.”
    “In times of higher uncertainty, or where people are predicting a recession, people will throw money at US government bonds because they see it as the safest place to put the money.”
    “A lot of people would agree that a really good predictor of a recession is an inverted yield curve.”

    VALUABLE RESOURCES
    https://www.facebook.com/markprogressive

    ABOUT THE HOST

    Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst

    • 16 min

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