Wealth Made Simple Podcast (Shaz Nawaz)

shaz@aa-accountants.co.uk

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	Pub. Date	Title	Duration
	14 Dec 2021	How to Avoid Getting Ripped Off on the Refurb – Part 2	00:20:12
This episode is part 2 of Shaz’s great advice on how to make sure your refurbishments and renovations are efficient, effective and successful With another ten tips covering what you should be doing as well as great reminders about what not to do. From miracle cures through to good design listen in and hear exactly what to do to make sure your refurbishment projects are successful every time KEY TAKEAWAYS Don’t go for the miracle cures, if it sounds too good to be true it probably is If you are working on a property make sure the work you complete compliments what’s already there Don’t be tempted to cut corners and buy cheap – it will comprise what you are doing and you may end up having to do it again What you are doing should enhance the building, make a good job but keep it simple Build a relationship with a good builder and ask their opinion and advice about your refurbishment Ask your builder to help and guide you, use their expertise to make sure you are getting the best deal every time Make sure you are involved in the process to get what you want at the end of the refurbishment Poor design is a waste of money and often impractical – good design is transformational and increases value Energy-saving matters and you should take every opportunity to create energy efficiency Make sure you are working in the right way, make good use of a detailed schedule so that time and costs are managed successfully BEST MOMENTS ‘Certain postcodes and areas have a ceiling price and you need to be aware of what it is’ ‘Because I knew the numbers we could make it work’ ‘Poor design can squander potential, waste money, waste space and lose you profit’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	23 Jun 2021	The Top 5 Mistakes People Make in Property	00:08:38
Shaz goes through the most common mistakes people make when they are starting out in property and shares great tips on how to avoid them. From rushing into the first deal after you have secured your funding through to why everyone will make mistakes and how this is an opportunity to learn and be better moving forward this is a great checklist to use for anyone in property. KEY TAKEAWAYS Don’t rush into any deal, make sure you have done your due diligence and it’s the right deal for you. Decide on your non-negotiables, set criteria and stick to what you have decided. You need to always research a deal so you know exactly how it fits the demographic you are looking at Sometimes a good deal comes along but you miss out, remember moving forward to not compare all future deals with the one you missed out on Have your criteria and make sure the deal works for you Everyone moving into property will make mistakes and any mistake is an opportunity to learn People learn more from the mistakes than the successes Always ask yourself ‘what can I do better next time’ BEST MOMENTS ‘People have money burning a hole in their pocket but no one should rush into a deal’ ‘If you miss out on a deal another will come along, there is always going to be plenty more’ ‘Don’t worry about the market, worry about if the deal works for you’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	01 Mar 2022	Property Investing Top Tips	00:12:41
Shaz takes a look at some of the tax allowances that you should be looking at as a property investor to make sure you are getting the most from your business From deciding whether to incorporate through to what you can and can't claim for this is a great episode that will help anyone to look carefully at getting the most from their allowances as a property investor KEY TAKEAWAYS Think about whether you should incorporate your property portfolio Look at the potential costs and then the possible savings to see if it's worth doing Make use of all your tax bands and those of your spouse to gain the most from your allowances Rent a room relief lets you earn up to £7,000 every year You can claim 150% of the cost through land remediation relief where you are removing contamination from a site Make sure you claim all the different tax deductibles and tax-free expenses You can claim for anything and everything as long as it's solely for the use of your business Tax-free allowances include staff eye tests, mileage, and trivial benefits, If you are buying six or more properties from the same person together you can use non-residential rates of stamp duty land tax BEST MOMENTS ‘It’s about doing the numbers and seeing if it’s worth it’ ‘Become familiar with your allowances and make use of them’ ‘Work out which will give you the best tax relief’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	26 Apr 2021	Buying a Business Ep 8 – 5 More Top Tips of What to Watch out for When Buying a Business	00:08:31
Shaz shares five more great tips on buying a business with all ten providing a good starting point for anyone looking to buy a business for the first time or considering buying another business. In the previous ‘Buying a Business’ episode, Shaz covered goals, knowing your limits, financing the purchase, sellers motives and having an understanding of the industry. Add the tips in this episode for a great list of the top ten tips you need to work through when buying any business. KEY TAKEAWAYS You need to have knowledge about the business and how it is performs Look at whether the business has been meeting its targets, costs and net profit Ideally, benchmark the business against competitors in the area Look at whether the business has good systems and processes Does it rely on the owner or does it operate well without them? A business that is systemised is worth more than one that isn’t If its heavily reliant on the owner a business isn’t worth as much and can be an opportunity for a discounted deal Be aware of all the liabilities of the company Be very clear on your plan, this will help with negotiation and having clarity may make you the preferred purchaser BEST MOMENTS ‘Looking at the balance sheet is crucial ‘ ‘Make sure you do your due diligence VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	05 Oct 2020	Company Cars – What’s the Best Option?	00:14:54
Company cars are currently a popular subject and as Shaz has recently taken delivery of his new company car he is sharing great practical advice about what you should consider if you are looking at a company car. There are many different tax aspects to company cars so understanding what is the best option for you is crucial. If you are thinking about having a company car the most important question is “What is the best option for me?’ and Shaz explains exactly what is available and the tax implications so listening to this episode is a must for any business owner. KEY TAKEAWAYS Look at CO2 emissions – the higher the emissions the higher total tax. Capital contributions made by a director – a director can make a one-off capital payment of up to £5,000. Capital allowances – if the company pays for the car you can claim capital allowances. How many miles you are likely to be driving will also help to decide whether you should use your own car or have a company car. If the company pays for fuel you will need to pay fuel benefit tax. If you have your own car you can claim 45 pence per mile for use. If you have a spouse or child you can pay for a car for them through the company which can be tax-efficient for you. If you are a sole trader or partnership and buy a car you are the company so there is no company car tax to pay. You will need to work out how much of the time the vehicle is used for business and how much for personal use. An electric company car is very tax-efficient with no tax payable in the first year. BEST MOMENTS ‘If you are leasing you need to be aware of the taxes around this’ ‘The more expensive the car the more you are going to pay in company car tax’ ‘Who’s paying for the fuel is important when you are deciding on a company car’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	20 Jul 2020	he Property Process from Viewing to Outcome	00:24:14
In this episode, Shaz takes us through the whole development process from identifying your ‘gold mine’ area, through purchasing and redevelopment to the final outcome for the property. Using a live redevelopment project with a Grade 2 Listed building that he has recently completed Shaz explains exactly what he has done to move the property from viewing to having new tenants. This is a great opportunity to hear about a project and the importance of building positive relationships to ensure you get the result and outcome that you want. KEY TAKEAWAYS Decide on a gold mine area for you taking into account distance, supply, demand and property availability. A detailed appraisal will provide information about refurbishment/ redevelopment costs, interest costs and contingency costs If all the numbers stack up the question will be should be will you pay the asking price, a bit less or a lot less? Look for possible grants and always have a clear exit strategy. Tax is a major consideration when purchasing property and it’s a significant factor but not the only factor. It’s imperative you have a good contractor and it can be helpful if they have worked on similar contracts previously. Having a good project manager to keep everything on track is vital along with good funding. It’s extremely important to work closely with the planning department. Grade 2 listed can be more challenging but they can also bring more joy. BEST MOMENTS ‘I always consider would this be an area I would live in? If I would be happy living there I like to think most people would be happy living there’ ‘If you can make a property nice you can attract tenants who will look after the property’ ‘If it’s a good deal then just purchase it so you don’t lose out’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	27 Sep 2021	Cons of Using a Holding Company	00:11:56
In episode 133 Shaz looked at the benefits of using a holding company and in this episode, he balances things up with great content about the possible disadvantages that you should be aware of Review both the benefits and the possible disadvantages and take a holistic view to make a decision about what structure is the best for you and means you can grow and develop your business the way you want to KEY TAKEAWAYS You may need an audit if your business structure turnover exceeds 10.2 million, you have fifty-plus employees and your assets have a value of more than 5.1 million There are costs associated with an audit and it can take time The costs for compliance can be higher, you will be paying accountancy fees for each company With the tax regulations coming into force in 2023 smaller businesses will be liable for the 19% corporation tax rate You could be paying the marginal or higher rate of tax with the holding company structure Each company needs a separate bank account There can be additional complications with needing multiple accounts There are fewer funders available when you have this structure and there may be less funds available and the interest could be higher Your growth may be restricted due to constraints on funding Choose the structure that gives you the optimum for your goals and what you want to achieve BEST MOMENTS ‘Look at the benefits and the disadvantages carefully to decide what’s best for you’ ‘Don’t always make costs the deciding factor, other benefits can make it worthwhile for you’ ‘Take a holistic view about what you want’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	18 Apr 2022	The Hidden Costs of Property Investing	00:15:57
Shaz goes through the hidden costs of any property deal from costing the time to complete research to the legal fees and insurance needed If you are new to property investing this is a great checklist that will mean you know exactly what costs to factor into your property purchase because the purchase cost is only a part of the overall picture and understanding the hidden costs is vital KEY TAKEAWAYS Factor in the time costs to complete thorough research for any property deal Use the services of a property and building surveyor, where needed, to make sure you know what to expect Work out stamp duty and land tax as these are payable on completion Purchasing two or more properties may qualify for multiple dwellings relief If the property is uninhabitable you may be able eligible to pay non-residential rates You will need to make sure your insurances cover everything required, make sure you have adequate cover Legal fees can vary but are part of the costs and payable on completion Always allow for covering voids in rental properties Use a separate account for taxes Properties will need repairing and maintenance so keeping a fund available to cover this is crucial The cost of the property is only part of the total budget you need to allow when doing a property deal BEST MOMENTS ‘Researching is time well spent on property’ ‘Some lenders may cover your legal fees’ ‘If after purchasing you are using a management company this cost needs to be factored in’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	04 Jan 2024	Why Get Rich Quick Doesn't Work	00:49:43
Shaz and Kieron discuss the concept of getting rich quickly versus getting rich slowly, highlighting the pitfalls of chasing get-rich-quick schemes and emphasising the importance of focusing on long-term wealth building strategies. They discuss the reasons why get-rich-quick schemes fail, including slim chances of success, unrealistic expectations, high risk, and unsustainable wealth accumulation. They then delve into why getting rich slowly works, emphasising the benefits of compounded returns, risk management, education, financial stability, adaptable financial goals, and improved psychological well-being. KEY TAKEAWAYS Getting rich quickly is a pipe dream and rarely works in reality. Focusing on getting rich slowly is a more sustainable and effective approach. Many get-rich-quick schemes are high-risk and often lead to financial losses. Gradual wealth building allows for adaptable financial goals and long-term financial stability. Education, skill-building, and financial discipline are crucial for successful wealth accumulation. BEST MOMENTS "Holistically, get rich quick is a really nice idea and it's a pipe dream." "Success leaves clues. And if success leaves clues, the clues of success are get rich quick doesn't work." "The slow accumulation of wealth also generally involves learning new skills, understanding new things, doing the due diligence, doing the deep dive." "If you grow into it slowly, you'll manage it and all of your habits and your spending ideals will be sustainable." "Slow wealth building promotes a healthy relationship with money, better understanding, less stress, and more satisfaction in your life." VALUABLE RESOURCES shaz@aaa-accountants.co.uk https://www.facebook.com/shaznawaz11 https://www.linkedin.com/in/shaznawaz/ https://www.instagram.com/parkwardlabour/ https://www.youtube.com/channel/UCJCDESxIqYjhiIBxJ90nKwQ?disable_polymer=true 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 consultations 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.
	15 Mar 2022	Property Developing with No Money	00:11:04
Shaz shares some great steps that everyone should use if they want to do no money down deals. Building good relationships, being transparent and getting visible on social media are all important aspects of doing no money down deals. These deals can work well for both you and the investor if you’ve taken the right steps and made sure the deal stacks up. Listen in, follow Shaz’s great tips and get out there and do the deals KEY TAKEAWAYS Self-reflect and begin by asking yourself if you would do a no money down deal with yourself? Share what you are doing on social media, let people see what you are doing. If you want to do no money down deals you need to reach the most people in the shortest amount of time possible Always be honest and transparent and people will trust you Build a relationship first Does the deal stack up? make sure you’ve done your research and that the numbers work Your investor pack should be detailed and give the investor confidence in you and the deal Make sure you under promise and over-deliver Being honest and open will help create and build long term partnerships BEST MOMENTS ‘People want to get to know you first’ ‘Make sure your deal analysis is accurate and detailed’ ‘Transparency helps to build trust and mutual respect’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	23 May 2022	Things I Wish I’d Known 20 Years Ago	00:25:16
Shaz is sharing the top 5 key things that will really make a difference, making it easy for those who are just starting out or want to grow their property business He discusses why you don’t need lots of money to get into property and how commercial conversions are game changers If you want to grow your business advice from those who have experience and credibility is always worth listening to and as Shaz explains if he had known this stuff earlier he could have moved forward and grown more quickly KEY TAKEAWAYS You don’t need lots of money, you can use ‘no money down’ to make great deals, it’s a game changer in growing your property business It creates your own network of investors and you can scale because you can do more than one deal at a time With more investment, you can move into bigger deals involving multiple properties If you have the expertise you can work with people who have money and both benefit Commercial conversions have great margins and are a great way to grow your property business rapidly Learn to leverage your time so that you are using your expertise and time in the most effective way A good deal sourcer can do all the hard work in their area of expertise A good accountant who is a specialist in property is invaluable You have to have the right mindset to become a bigger property developer Whether it’s a big deal or a small deal the effort and time needed are similar so going big is worth it BEST MOMENTS ‘They have earned their stripes and are talking from experience so listen to them’ ‘The more stuff you give away to others to do, the more it frees up your mind to work on your core competencies’ ‘Do what you are really good at it’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	13 Dec 2022	Growing Your Portfolio	00:16:17
Is there a limit to the size that your ideal portfolio should be? In this episode, Shaz talks you through what you need to think about as you grow, what your business should look like, how much income you need. Remember, that size doesn't matter! KEY TAKEAWAYS It always pays to think about the size of the business that you're trying to build. Many investors build significant portfolios that leave the teetering on the edge of bankruptcy from time to time. Smart investors can be sometimes excessively cautious about their portfolio, and should be having more faith in themselves. If you're investing in something then you want a return. That's only natural. What you need to think about is what you're trying to attain or replace in terms of income and aim for that to begin with. Determine your attitude towards risk. The bigger the portfolio, the more debt you take on, and the bigger the risks. There are more moving parts for you to manage. BEST MOMENTS 'Big isn't better at all. Small but smart is the way forward' 'Smart people sometimes overthink stuff' 'Everybody wants create a profitable business' 'It's important that you have a criteria when it comes to investing' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	04 Feb 2020	Key Performance Indicators – Which Ones Do You Need In Property?	00:19:59
In this edition, Shaz talks you through the concept of Key Performance Indicators (KPIs), and tells you all about the most essential ones you should be making a part of your property journey. Having conducted over 3,000 business consultations, Shaz has recognised that the best and most profitable businesses are the ones who track their performance through data, and act whenever certain points are hit. And you should, too! KEY TAKEAWAYS It’s vital to track your numbers, study them well, and take action when you’ve done well. Similarly, you should be analysing the numbers when you haven’t done well. Do you know what the key numbers are in your property business? If not, why not? And are you checking frequently? Shaz advises monthly, or quarterly at the very least. Some of the numbers that Shaz tracks are: Number of customer surveys completed Average score on surveys Number of hours your team has spent on development Number of books your team has read Number of complaints received Yield (Annual or more regular) Personal wealth Personal growth Number of weeks taken off work Number of ideas given by your team that have been implemented Create a culture of achievement, but make them realistic. If your targets are impossible to reach then the constant defeat will lead to a feeling of deflated defeat. Your income drivers when it comes to property should include things like: Rent coming in Number of properties Voids Resources consulted Properties viewed Conversion rates Offers made Bought properties Measuring KPIs can be costly in terms of time and resources if you set too many. Set appropriate markers at the outset and grow them if you need to. BEST MOMENTS ‘If you can measure it, you can manage it’ ‘Make a start somewhere. It’s an iterative process’ ’Numbers tell a story’ ‘I’m a big fan of having big, hairy audacious goals’ ’The target isn’t the ceiling’ ABOUT THE HOST 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 main stream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.
	12 Oct 2020	Adding children to your business!?	00:10:12
Should you add your children to your business or company as shareholders and directors? Shaz looks at the advantages and possible disadvantages of bringing your children into your business and the differences it can make to your tax. There are many aspects to consider from the age of your children to the implications with lenders and how it can help with capital gains tax. Shaz shares great information that will help any business owner with the decision around adding their children to the business. KEY TAKEAWAYS You can add children as shareholders at any age, to be a director they have to be 16 or over with limited exceptions. If you give capital assets to them it reduces your capital gains exposure. For children who are minors any income over £100 pounds will be taxable on you. There can be negatives to having children as shareholders; -Different shareholders can fragment the business and people may not be able to agree. -Certain lenders don’t like children as shareholders. -The perception can be difficult with employees who may themselves have an expectation of shares in the future. If you give children shares over a number of years it means you can limit your capital gains tax. If your children were born before 2 January 2011 you can use a child trust fund BEST MOMENTS ‘Gifting earlier will help with your capital gains tax’ ‘The child can relinquish their obligations’ ‘If you try to give something away regularly you limit your exposure to capital gains tax’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	22 Mar 2022	Top Mistakes in HMOs Part 1	00:21:45
Shaz looks at the 5 most common mistakes people make when starting out and running an HMO There are regulations and processes that must be adhered to with HMOs and it's important to understand what you need to do. Successful HMOs are run by teams of people who understand how to look after the tenants and the property, if you want more hands-on involvement and can build a good team this is a great cash flow strategy when done properly. Listen in to this great content so that you benefit from getting started in the right way KEY TAKEAWAYS You need to be fully aware of what you are getting into You need to make sure you meet the regulations and that the rooms are of a good enough standard Be aware of cash flow voids and know how you will cover them Detail the costs and make sure the figures work There are a variety of reasons people want to rent a room in an HMO so tenancy is often very fluid Have a good vetting process in place for tenant Understand the local market, if there is demand for an HMO and the standard of rooms and facilities Be fully aware of what’s required to meet regulations and if you are changing use make sure you have checked with planning There is comprehensive legislation surrounding HMOs and you must be compliant BEST MOMENTS ‘It’s a good cash flow strategy is done properly’ ‘HMOs require hands-on involvement to make them successful’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	22 May 2023	Mindset And Niche Strategies	00:22:11
Shaz discusses some rather more niche strategies used in property investing, such as time management, PBSAs, and nomination agreements. KEY TAKEAWAYS You can't always rely on the information you find online. It's far better to take the advice of people with experience, and those you can trust. PBSA stands for Purpose Built Student Accommodation and will always be more utilised in university and college towns and cities. The benefit is that you can choose your tenants at the same time every year. BEST MOMENTS 'You don't know what you don't know' 'Most people who do things successfully are happy to give you information' 'Learning every day is important' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	04 Nov 2021	What Are Your Funding Options	00:14:35
There are a range of finance options out there for property investors but people often begin their property investment journey thinking they will need to fund the purchase with their own money but you don’t have to and Shaz shares some great options that are available right now Using a finance option will mean you can grow faster and with a range of different options available it’s about finding the ones that work for you and listening to this episode is a great way to start KEY TAKEAWAYS Fund a purchase with your own money and you won’t need to go through the process of obtaining finance and there is no interest to pay When there are finance options out there, why would you not use them to grow faster? Banks do buy to let mortgages but you need a good credit score and around 25% as a deposit Banks usually do interest only with the capital being paid at the end Always have an exit plan Challenger banks often have lower fees and can be more flexible but don’t have a physical presence Bridging loans work really well over a shorter period and are great for property flippers and those who may not get a loan in another way Peer to peer lending is fast, quick agile and increasing in popularity, it’s a good option to look at A personal loan from a family member may not have interest payable at all but make sure there is a clear contract in place A property investor hunter licence is secured against your existing properties and gives you a pre-agreed agreement No money down is about using someone else money and agreeing on how much of the profit they will get back BEST MOMENTS ‘Don’t just go down one path explore multiple options to find out what is the best for you’ ‘There are finance options out there, why would you not want to use them?’ ‘Why use all of your money? Use some of yours and some from others’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk *FREE WEBINAR -* *https://bit.ly/shazwebinar* ABOUT THE HOST 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.
	21 Jul 2021	Property Proficiency Workshop Episode 3	00:13:00
In the first episodes of the Property Proficiency Workshop Series Shaz looked at the right business structure and how to benefit from the tax possibilities available in property. In this episode, he looks more closely at how to find deals and business partners and effectively use other people’s money to build your property portfolio quickly If you want to build a strong portfolio that works for you creating financial freedom then listening to this series is a must. KEY TAKEAWAYS Agents want to sell deals and If you build a positive relationship and follow through with deals you build trust and more deals will come your way You need to have multiple strategies to find deals Create a list of properties you are interested in a use direct mail to get in contact with potential sellers. Go to property network events and talk to people about what you do. Find people who have the money but not the expertise or knowledge When you network people are sizing you up so make sure you can talk through your previous deals When an investor first invests they will invest a small amount to see how professional you are so a good first deal can lead to many more deals in the future You can build your own network of potential investors through social media Family and friends can be a good source for investors Using other people’s money can mean you can grow your property portfolio really quickly In business, you are never alone and there are always people who will share their knowledge and expertise If you bring everything together you can create financial freedom for you and your family BEST MOMENTS ‘I’m a big advocate of deal sourcers’ ‘You can create financial freedom for you and your family’ ‘Networking and building relationships is key’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	01 Aug 2022	Do You Have an FHL or an SA?	00:29:17
The question of is it a furnished holiday let or serviced accommodation is one that is frequently asked and in this episode Shaz talks in detail about the criteria and rules and answers questions from his live audience about specific scenarios and the tax implications There is invaluable advice and learning for anyone who is involved in FHL and SA in this episode which is a must for anyone involved in letting property KEY TAKEAWAYS The property has to be available for commercial letting for 210 days charging the market rent It has to be rented out for at least 105 days and if it’s let for more than 31 days consecutively and those days add up to 155 days over the year you don’t qualify as a furnished let The aim of furnished holiday lets is short-term letting and you will be penalised by HMRC if you are letting outside of the rules If you let out a property for more than 28 days to the same person you don’t charge them VAT and it becomes a short-term let With more than one unit you can use the days from other properties If you breach the 155 days rule you lose several tax benefits including section 24, capital allowances and entrepreneurs' relief Serviced accommodation losses can be used against serviced accommodation profits Additional services such as meals, trips out, games room, swimming pool and facilities for children and pets are what can move you to SA BEST MOMENTS ‘It’s a pretty generous system for people’ ‘Either side of the one year of grace you’ve got to qualify’ ‘Now you are more like a hotel’ ‘The more additional services you have the safer you are’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	14 Jun 2020	General Tax Tips for Property Investors	00:13:15
Business structure is always based on personal circumstances but it’s vital to understand what your liability is, the tax implications, how much it will cost to run the business along with the regulations and statutory requirements applicable. There are many things to consider when incorporating and making sure you ask the right questions and understand the implications and advantages of different business structures is key. This episode is a great starting point for any property investor with Shaz sharing great advice on the questions you must ask to get the right business structure for you. KEY TAKEAWAYS The real expertise with tax is being able to apply the rules in a particular scenario. Your business structure will be based on your personal circumstances, it’s important to understand; Liability - If you are a sole trader you are personally responsible for any debt but as a limited company you are not. Taxation – what are the tax implications for you with a particular business structure? How much it is going to cost you to run the business? Ease of running the business should be considered there are fewer regulations for a sole trader than a limited company where the rules are very different. If you are considering incorporating make sure you can demonstrate you have a business. When you move your properties from your portfolio into a limited company you have an uplift in the base cost of those properties. If you are purchasing 2 or more properties from the same source you can claim multiple dwellings tax relief. Whenever you are buying properties seek the advice of a land and property tax expert. BEST MOMENTS ‘If you are in a partnership ensure you have a partnership agreement’ ‘Remember when you incorporate that your information is in the public arena’ ‘What are the statutory requirements for your business structure?’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	23 Nov 2021	Don’t be Desperate for a Deal	00:13:17
*FREE WEBINAR -* *https://bit.ly/shazwebinar* What you don’t do in property is as important as what you do in the world of property and mistakes can be very costly so Shaz is sharing advice that will help you to avoid the mistakes and make a success of any property deal Shaz goes through a live example of a deal currently being completed by one of his mentees and explains how to make a deal work and shares a great system that anyone can use to make sure they get a deal that works KEY TAKEAWAYS You need to be disciplined in the way you approach any deal Valuations are completed by an independent third party The only number in the deal that can be changed is the purchase price Everyone is at different stages in their journey Always go through the numbers and work backwards from the end If the numbers don’t stack up don’t do the deal Use your money wisely to get the best return as quickly as possible Have someone with expertise who can challenge and support you You need to look at both the upside and the possible downside of any deal BEST MOMENTS ‘You must always run the numbers’ ‘People can be so desperate to get a deal done that they don’t do it well’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk *FREE WEBINAR -* *https://bit.ly/shazwebinar* ABOUT THE HOST 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.
	16 Nov 2021	When is it a Good Time To Get Into Property?	00:12:28
Shaz takes a look at how the property cycle works and discusses whether you should try and beat it predicting what may happen or work in the present looking for good deals with a strategy that works in your gold mine area Listen in and hear about the stages of a property cycle and the strategies and approaches that make the difference as a property investor *FREE WEBINAR -* *https://bit.ly/shazwebinar* KEY TAKEAWAYS A property cycle is generally 18 years in length After a property crash, there is a recovery phase When the market enters the boom phase prices rapidly rise In theory, avoid buying in the boom period The market booms when there is more demand than properties available Flipping property in the peak period can be profitable but if you flip as prices drop you can lose money You have to be cautious, especially if you are new to property You can’t predict the future, look at the market and opportunities now High levels of unemployment can be an indicator that the economy is unstable Understand your gold mine area and the opportunities On average house prices double every ten years BEST MOMENTS ‘Wait for the drop to occur before you buy to maximise your profits’ ‘Run the numbers and see what works for you’ ‘The UK is often described as having a two-speed property market’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk *FREE WEBINAR -* *https://bit.ly/shazwebinar* ABOUT THE HOST 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.
	10 May 2023	Flipping, BRRRRs and Rent-To-Rent	00:44:19
Shaz continues his deep dive conversation on the subjects of flipping properties, the Buy-Refurbish-Rent-Refinance-Repeat methodology, and how Rent-To-Rent investments really work. KEY TAKEAWAYS When investors have more confidence, they could opt for a HMO strategy, in which a larger house is split into several separate units, connected by a communal area. Serviced accommodation is one of the strategies used by seasoned investors who wish to earn more money, and who don't mind putting in more time. There are different tax benefits and consequences for trading and investment properties. Always consult a professional who may be able to save you money, or make you money! Making mistakes in property is natural. Remember that there is no such thing as failure, only lessons that you learn faster and harder. BEST MOMENTS 'Most people can't get their head around trading and investment for tax purposes' 'Renting to more individuals gives you more cashflow' 'You are going to make mistakes - no bones about it' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	11 Mar 2021	Why Now is the Best Time to Buy a Business	00:05:51
Currently, with a global pandemic, lots of people are re-evaluating and thinking about whether this is the right time for them to get out of the business they are in. So, this is a great time to buy a business and Shaz shares how with a deferred sale you can in reality get a business for free. People are open to doing deals so if you can find people who want to sell then you are helping them to realise their dream, as many small business owners plan for the sale to be a part of a retirement plan that lets them do what they want to do – it people helping people KEY TAKEAWAYS There are people who are unsure of the future so are looking to make a change There are those who were thinking of moving who may be looking to give up their businesses. People with multiple businesses may be looking to streamline. Identify people who want to sell and work with them so they are happy and you are happy Small business owners will often see the sale of their business as part of their retirement plan. You can help make that happen and ideally with a deferred sale where you pay something now and the rest paid over the next few years You can get a business for free using future profits to pay off the debt. Scale-up by buying businesses and you will have a high capital value when those businesses are considered together. BEST MOMENTS ‘This isn’t about taking advantage of people this is about helping people’ ‘Many small business owners struggle to sell for a range of different reasons’ ‘People are open to doing deals’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	16 Mar 2021	Buying a Business - Episode 2 - Securing Funding!	00:09:46
In this episode, Shaz looks at the different ways you can secure funding to buy a business. there are a variety of different ways and each has different challenges. Shaz explains in detail why deferred payment works exceptionally well and is his personal choice for funding. It means putting in the work to understand the motivation of the seller but it’s about you not having to put any money into the deal. When you can finance purchasing a business in this way it opens the opportunities for scaling securing multiple businesses. KEY TAKEAWAYS You could take an unsecured loan, depending on the size of the business this could be used as the deposit To take out a secured loan, usually, you will have to provide a guarantee or security and you will need to have a good business case and a good team around you. Peer to peer lending can secure funds quickly but the interest with be higher. Deferred payment means you agree to the purchase and the payments are then split over The initial payment can come from the bank and then the subsequent payments from the profits of the business over several years. Deferred payment can usually be viable over 3 to 5 years Small businesses can be difficult to sell so a deferred payment can be acceptable when they are motivated to sell. You need to understand their motivation for selling. Deferred payments work exceptionally well BEST MOMENTS ‘You need to make sure you can sustain the business’ ‘Depending on how you structure the business a loan could get you started’ ‘No money down from a buyers perspective can work really well’ VALUABLE RESOURCES shaz@aa-accountants.co.uk ABOUT THE HOST 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.
	03 Aug 2022	Wholly And Exclusively	00:15:18
Shaz takes us through expenses and the differences between being a sole trader and a limited company when you are justifying expenses As a director of a limited company you always need to consider whether an expense is necessary in order to justify it but as a sole trader has more flexibility You may want to borrow money from your company or you may be lending money to your company listen in and hear about the best and most effective ways to do this KEY TAKEAWAYS The test for a justified expense is higher for a director than for a sole trader, being a sole trader gives you better flexibility A limited company has more rules, regulations and company laws to take into account If it’s not a salary or bonus you need to pay interest to your company You have to treat a limited company as if you are working for someone else where money is concerned, everything must be accounted for If you are lending money to your company you should charge interest A basic rate taxpayer has a £1000 income tax-free You can charge interest and not pay any tax if you met the criteria Your company can claim 19% corporation tax relief on the money BEST MOMENTS ‘For directors it’s about wholly, exclusively and necessary, was the expense necessary?’ ‘A lot of small business owners lose sight of the fact a limited company is a separate legal entity’ ‘You can have this and not pay a penny in tax’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	25 Jan 2022	Top 5 Most Common Property Mistakes - Part 1	00:20:27
If you know what the common mistakes are you can avoid them and save money and time. In this episode, Shaz looks at the most common mistakes made by those new to property investment Property is one of the most exciting businesses out there with great opportunities and if you take the time to learn from others mistakes you will be putting yourself on the path to success Avoiding the common mistakes in property investment can make the difference between success and failure, listen in, and learn how to start successfully KEY TAKEAWAYS In property, you need to make sure your decisions are based on logic and Knowledge Have criteria that you work to and view every transaction through a business lens Objectivity and being analytical is key in successful property investment Research is vital so that you understand the market, the costs of refurbishing and how to find tenants You can save money buying new properties because of the lower maintenance costs Make sure you know exactly what you are buying, negotiating about faults or damage can only take place before the deal is complete Does the property have the features and amenities your ideal tenant will want? You need to understand what your tenant, your customer wants Due diligence takes time but it’s always worth the investment of time You need to have a clear investment strategy to be successful Low-cost property will usually mean lower returns but are easier to buy, higher cost properties can be harder to find and buy but provide better returns and capital appreciation Always try to look at a property from the viewpoint of your tenant BEST MOMENTS ‘Sometimes for all of us the heart takes over’ ‘The more experienced you get the better you get as a property investor’ ‘If the numbers don’t stack up always walk away from the deal’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	15 Feb 2022	Property Strategies Mini-Series Part 5	00:12:56
So far in this great property mini-series, Shaz has covered Buy to Let, HMO’s, Serviced Accommodation and Buy-Renovate-Refinance-Rent as strategies along with Commercial Conversions, Flips, Joint Ventures, Rent 2 Rent, New Builds and Lease Options In this episode, he shares another three property strategies - Deal sourcing, Crowdfunding and Off-plan explaining both the positives and the potential challenges. One of these strategies could be the one that you want to get started on, listen in and find out more KEY TAKEAWAYS With deal sourcing you don’t need a lot of money to get started it’s all about your ability to find the right deal When you are starting out deal sourcing for others can be a successful strategy The more pre-work you do the better for both the seller and the buyer You need to be someone who likes being in the middle and can pay attention to the details You can use crowdsourcing to make your money available for deals that you want to invest in It's hands-off - the crowdfunding platform does all the work Buying properties off-plan means you can negotiate and get a good deal early on Buying early will mean you will get a better deal than those buying towards the end of the construction If you are buying multiple properties you will get a better deal, its low outlay and you will have time to source the capital you need Make sure you do your due diligence and know about the developer BEST MOMENTS ‘Choose the right strategy and you can get started with very little money’ ‘Buying right is extremely important’ ‘You can learn what makes a good deal and make a profit on your investment’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	21 Jun 2023	Traits Money Likes	00:23:23
Shaz discusses the traits that we should encourage within ourselves and our business dealing, that will attract money in a fundamental way. KEY TAKEAWAYS Money is a case of mindset. If you believe that you are bad with money, the likelihood that you will be bad with money increases. Money likes people who work with speed - who are decisive, can make decisions effectively, and who work dynamically. Money is far more attracted to those who fulfil their promises. Don't just sit there and talk about what you might do - get out there and do it! BEST MOMENTS 'Money doesn't have a mind of its own, but it does follow particular paths' 'We're following the path of information' 'Some people are afraid of making money' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	16 Aug 2021	Why You Need A Project Manager	00:07:43
Shaz is currently involved in a project to build forty houses and in this episode, he looks at the vital role of a good project manager. They are the people who control, manage and execute the project bringing together individuals to create a team that can deliver the project within budget and timescale so a good project manager is extremely important and worth their weight in gold on any project. KEY TAKEAWAYS Project managers are extremely important for property deals Some people just look at the cost but this is short-sighted and incorrect They help set the budget, monitor costs, control, execute and close deals If you find a good one they are worth their weight in gold - saving you time and money A good project manager can look after more than one deal for you at any one time Communication is key - they are the centre of all communication and make sure everyone is working together A good project manager will make sure everyone is recognised, valued and contributes as part of a team to make sure the project is delivered They manage and mitigate all risks throughout the project A project manager keeps everything within cost and identifies any potential savings A good project manager makes sure everyone is focused and working towards the same goals and outcomes BEST MOMENTS ‘In my experience Property Managers are something you can’t do without’ Risks cost money and a project manager will effectively manage all risks When there are a lot of people on site all doing different things, they need to be all kept focused and working towards the works program’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	23 Feb 2023	Holding Companies - Investment Or Trading	00:04:45
What is the difference between a trading holding company and an investment holding company? In this episode, Shaz talks you through the answer to this question. KEY TAKEAWAYS A holding company is a limited company including individuals that are shareholders. They may have different companies for different reasons so as to keep their interests separate. An investment company is where you are buying property and holding onto it. There can be many reasons for this. BEST MOMENTS 'They want to do property transactions' 'This basically then becomes your holding company structure' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	24 Apr 2023	SMART Companies	00:10:39
Shaz explains what a SMART company is, how trusts are involved, and how they can help when it comes to factors such as inheritance tax. KEY TAKEAWAYS SMART is a term used by a particular firm to describe a company with other companies involved - the building of a trust. You need different classes of shares to provide more flexibility in terms of income, create rights to income, and to create voting rights. BEST MOMENTS 'You have a company, and you have a company beneath' 'You have different classes of shares' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	17 Dec 2020	Incorporation And How To Take Forward Your Losses	00:09:02
Shaz goes through the questions anyone should be asking when they are considering incorporation. It can be the right thing but you must go through all the steps to make sure it’s the right thing and the right time for you. There are several aspects to consider including whether you have fixed rates, appreciation in value and equity along with whether setting up a trust is the right way forward in this informative episode. KEY TAKEAWAYS Go through all the steps to make sure it’s the right thing for you to do. If you have fixed rates that are due to finish in the near future then penalties may make it not the right thing to incorporate. When you move properties into a limited company you get an uplift in the base cost of those properties. If you have owned properties over a long period of time, they have appreciated in value and the equity is more than the debt then you have good reason to incorporate. You can incorporate the property portfolio and use a trust to pass the assets onto family and children. Tread carefully when you are thinking about incorporation. Ask is it right for you and your circumstances? BEST MOMENTS ‘Some people use incorporation really well’ ‘Legally you can have a deed of trust and remain as the owner’ ‘Consider setting up a trust’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	03 Mar 2022	Q&A with Shaz - Equity, Education, Expenses and Loans	00:28:06
In this Q&A with Shaz hear the questions people getting started in property want to know about tax and allowances Shaz shares great information about the best ways to fund education, what you can claim as expenses and the best ways to do this He also explains how loans to companies work best and the tax implications in this episode packed with useful content KEY TAKEAWAYS If the company is paying a dividend then this can be used to fund education You can claim any expenses if they are wholly and exclusively for the business New training when you start out in property can’t be claimed but someone who is undertaking continuing professional development can claim for the training costs Keep a record of any online training and free training you undertake When you loan money to your company it can stay there as long as you want it to, there is no time limit If you borrow money from your company you have to pay interest to the company for borrowing the funds If the company lends you money you must repay the funds within nine months of the year end or pay tax 10% is a reasonable charge for interest on a loan to a company You have a personal allowance for each year but if you don’t use it, you lose it. The beauty of a limited company is you only pay tax on the money you take out If you are a sole trader you will pay tax on everything Generally, the best way to take out money is through a low salary and dividends BEST MOMENTS ‘New skill can’t claim, enhancing a skill you can claim’ ‘It can be better to claim at 45pence per mile than claim for fuel costs’ ‘If you charge interest and you are a basic rate taxpayer the first thousand is tax free’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	28 Aug 2023	Bankruptcy	00:23:52
In this episode of Wealth Made Simple, we delve into the topic of bankruptcy, discussing its implications for both individuals and companies. We highlight the importance of exploring all available options and seeking help as a responsible approach to one's financial situation. KEY TAKEAWAYS Bankruptcy is a legal status that individuals and companies can apply for when they are unable to repay their debts within the UK. It is often seen as a last resort for insolvent entities that cannot meet their financial obligations. When someone files for bankruptcy, they usually do so voluntarily by submitting a petition to the court. The court assesses their financial position and if deemed insolvent, a trustee is appointed to oversee the bankruptcy process. The trustee's role is to manage the debtor's assets and distribute them among the creditors. Bankruptcy has significant consequences, including the sale of assets to repay debts, restrictions on obtaining credit or starting new businesses, and potential consequences for directors in holding similar roles in other companies in the future. Bankruptcy should not be taken lightly and seeking professional advice is essential. Exploring all available options and understanding the implications of each option is crucial before making a decision. BEST MOMENTS "Bankruptcy is a legal status that you can apply for when you are unable to repay your debts within the UK." "Bankruptcy is a very serious step. And I would say anyone that's looking into this seek professional advice." "Bankruptcy provides a fresh start by eliminating most of your unsecured debts, such as credit card debt, medical bills, personal loans, things like that." "Being bankrupt is a whole new start. It's going to be hard. It's going to hurt. And it's not something you necessarily want to experience at all." VALUABLE RESOURCES shaz@aaa-accountants.co.uk https://www.facebook.com/shaznawaz11 https://www.linkedin.com/in/shaznawaz/ https://www.instagram.com/parkwardlabour/ https://www.youtube.com/channel/UCJCDESxIqYjhiIBxJ90nKwQ?disable_polymer=true 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 consultations 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.
	22 Feb 2022	How to Find Your Goldmine Area	00:08:00
Shaz takes us through the criteria he uses when looking at a potential goldmine area Choosing the right area is key and the critical first step is deciding on the property strategy you will be using. From identifying your competition to understanding how far you are happy to travel to your goldmine area, this is a comprehensive list that will make sure you have considered all of the key components that can impact a successful goldmine area. Listen in, use this list, and find your ultimate goldmine area KEY TAKEAWAYS Your goldmine area starts with you knowing what property strategy you are going to use If you are looking at HMO’s you need to be in a place with lots of students Identify how much competition there is in the area Always find out what the demand is in the area Decide on your criteria for distance and travelling – how far are you willing to travel to your goldmine area? What local amenities are available – schools, arts and culture, sports facilities What workforce is there in the area and does it fit with your tenant profile? Identify if there are good transport links and connectivity Look at the local plan for the area and find out from the LA what the growth plan is BEST MOMENTS ‘Look online and see how many properties are available’ ‘I like to stay close to home, so if it's an hour away that’s okay’ The more ambitious and aggressive the growth plan the more demand there will be in that particular area’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	07 Apr 2021	Contract Hire and my Cars	00:15:44
Why is contract hire a good way forward? Everyone wants a lovely car but any car purchase is immediately a depreciating asset. Shaz has been using contract hire for his cars for the last sixteen years and explains why it’s such a good way to have the car you want and not have to worry about the depreciation. He also shares his favourite cars and explains why in any business you should lease any assets that will depreciate and use your money to invest in those that will appreciate like property. KEY TAKEAWAYS With anything that depreciates in value why own it? With contract hire decide what car you want to have and how long you want to have it for You can choose to buy a maintenance plan with the car or source your own maintenance You agree to a set number of miles with any additional milage charged at an agreed cost per mile. If you want to pay more upfront the monthly premium goes down Run the car through the company and you can reduce the costs by 20% If you are VAT registered you can claim back half the VAT on the vehicle if you have some private use. For any asset that will depreciate always consider leasing it. You should invest your money in assets that will appreciate such as property BEST MOMENTS ‘Depreciation isn’t your problem’ ‘You can get really lovely cars on contract hire’ ‘If you like having a new car then contract hire is the way forward’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	18 Oct 2021	5 Skills You Need to Master to Become Successful in Property	00:14:38
As a property investor, there are skills you must master and Shaz goes through the top 5 key competencies and skills you need to master to become successful in property If you focus on developing your problem solving, networking, logical approach, and always complete detailed due diligence you will be on the path to mastering key skills that will support you as a successful property investor You need to master these skills to a level where you complete them unconsciously and listening to this episode is a great start KEY TAKEAWAYS Everything you do is problem-solving and if you become very good at finding solutions you become more valuable Having a good network around you especially when you start is vital. Those with more experience can help you to identify the issues and find the solutions You have to be logical in your approach, remove any emotion from your thinking if it’s a business deal Step back review your criteria and if it doesn’t fit move on to the next deal Look at the deal and ask yourself ‘how am I going to negotiate this deal?’ Negotiate a position that works for you Sometimes it’s about negotiating a deal that means compromise for both parties Build a great network, join groups, and meet people face to face, you need to invest time and build relationships Make sure you do your research and due diligence scrutinise everything to know if the deal is the right one for you BEST MOMENTS ‘Problem solvers and their skills are worth a lot’ ‘if it’s a business deal don’t get emotionally attached, it will cost you money’ ‘Networking is extremely important VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	12 Jun 2023	Top Tips For Property	00:11:12
Shaz presents a range of hot property tips designed to help you dynamically improve your investment chances! KEY TAKEAWAYS Rather than focussing on houses in your chosen investment area, focus also on flats. They're cheaper, easier to rent out, and have a better return on investment. Landlords aren't always distant and aloof when it comes to their tenants. They often want to build a working relationship to provide the best outcome for both parties. BEST MOMENTS 'Focus on flats to get on to the property ladder' 'Most people tend to get to know their tenants' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	02 Aug 2021	How to Build a Property Business Faster	00:14:13
Shaz shares his top tips on the best way to build a property business based on his own extensive experience. This episode will be a gamechanger for any listener as Shaz shares the tips that really make a difference in building your property business fast and explains why educating yourself, networking and getting out of your own way are key KEY TAKEAWAYS Invest in educating yourself regularly to help increase your rate of development You can have more than one deal in progress. Be bold and move quickly to do more deals Spend time networking and expanding your network Networking can reduce your learning curve if you get around the right people People will share their expertise and experience with you when they know, like and trust you With a network, you know who the best people are Joint venturing means you can use other people’s money and move forward more quickly Don’t wait to get into the big deals Get out of your own way – it can be easy to question yourself and worry about what might happen but it’s just a way of creating barriers Gain comes through pain and any challenges are experiences to learn from Moving forward and being successful comes from taking action and getting stuff done. BEST MOMENTS ‘There is good content out there but education is wider than that’ ‘You realise when you are networking that if they can do it so can you’ ‘Joint venturing brings lots of new opportunities’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	28 Sep 2022	Serviced Accommodation vs Furnished Holiday Lets	00:26:15
Shaz explains the rules and restrictions of turning property purchases into serviced accommodation, focusing on the two models available - Furnished Holiday Lets (FHL) and Serviced Accommodation (SA). As he continues to tutor his live audience, Shaz explores the benefit of offering services to guests, what schemes are available to help property owners pay less tax, and how multiple properties can help to alleviate some of the restrictions of an FHL. KEY TAKEAWAYS A Furnished Holiday Let (FHL) must be made available for commercial letting for at least 210 days a year and rented out for a minimum of 105 days at their full rate If lettings over 31 days exceed 155 days in a year, your property will not qualify as an FHL An FHL is not considered a trading business but can benefit from many of the same reliefs FHL restrictions may no longer apply if you offer additional services such as breakfast, tours, and concierge Reduce tax using the Tour Operator Margin Scheme (TOMS) Furnished Holiday Let mortgages are available for properties that follow the FHL restrictions BEST MOMENTS “SA is supposed to be short-term lets - one night, two nights, four nights, not a month or longer.” “Whether you’re a Furnished Holiday Let, or whether you’re a proper SA, if you go over £85,000, you’ve got to pay VAT on the income.” VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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
	25 Feb 2020	Getting Marketing Right and Growing Profit	00:12:41
*‘If you track, measure and refine over time you will generate more leads by focussing on the right channels’* Shaz is sharing the numbers that every business owner should know in this episode that provides great practical advice on how to get marketing, lead generation and conversion work effectively in your business. If you are a small business spending on marketing can be daunting and there can be a temptation to spend less. Shaz explains why you should spend more and how to utilise your ‘A’ customers to generate the most valuable leads of all, listen in and find out how to get started. KEY TAKEAWAYS Cost per lead the cost - This is how much it costs you as a business leader to identify or get a lead. Calculate how much you spend on marketing every month and divide this figure by the number of leads you have in the month. The outcome is the cost per lead. This is a starting point; the next step is to identify the number of leads from different marketing sources and work out the cost of lead by source. Track the best marketing sources for conversion and focus your marketing budget more intensively in these areas. The cost per client acquisition – This is the amount it costs you to win the client, this is the money spent on converting a lead into a new client, customer or patient. The lifetime value of a customer, client, patient - This is the most important number of all. Work out how long, on average, a client stays with you and what this is worth in revenue and then work backwards to decide how much you would pay for a lead. Generating more referrals A person who refers you has already been selling on your behalf. A referral lead has a much higher conversion rate than other leads and is likely to be of a better quality If someone recommends and provides a referral then you should recognise this with a gift or voucher – this is about appreciating what they have done for you. Focus on proactively asking your customers and clients because these are leads that most valuable. BEST MOMENTS ‘How much am I willing to pay for a customer who will generate 6,000 in income for me over 3 years?’ ‘Most current customers, if happy with service are happy to recommend their service provider but the business doesn’t ask them’ ‘An ‘A’ client is likely to refer someone who is like them’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	13 Apr 2020	Working From Home - My Tips!	00:19:49
Shaz is now like the rest of us ‘staying at home’ and in this episode, he reflects on how working from home was not something he had ever contemplated before because home is where he spends time with his family. Currently, everything is different for everyone and Shaz shares how he and his team are adapting to working from home and discusses the best way to create a productive routine using the right software. KEY TAKEAWAYS We have a group huddle every morning to share what we are looking to achieve, it sets up the day so we know what to focus on. When working from home you can choose a different routine from the traditional 9 to 5. I can get started earlier in the day if I want to. I like to have a routine and structure to my day but using software like Asana and Teams help keep me organised and focused. Having a dedicated space for work can make it easier for you and I can take a walk at lunchtime which I never did before when I was in the office. There are lots of benefits from working at home but also distractions such as social media. Working from home means I have a higher expectation about keeping focused. Through ‘Teams’ people are more thoughtful and considerate about others time. Will I carry on working from home? I don’t have as much of an aversion to it now but I think in time when things are back to normal I’ll go back to the office because I’m a creature of habit but it’s a positive that I have been able to adapt and work from home. BEST MOMENTS ‘There is no commuting so you can either spend the time on your business or on yourself’ ‘My team are committing to doing more and achieving more because they are putting more effort in at home to show it can work’ ‘Working from home means I have a higher expectation of myself about keeping focused’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk GOV COVID19 Support for Business ABOUT THE HOST 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.
	09 Dec 2021	How to Avoid Getting Ripped Off on the Refurb	00:24:58
Shaz wants to make sure no one gets ripped off or loses money on a property refurbishment project and shares his first ten tips on successful refurbishment If you are new to property use this list to make sure that you ask the right questions and take the right actions Property refurbishment is a great opportunity and Shaz’s practical advice will make sure you get the best start as a property developer KEY TAKEAWAYS Always have a property survey and give your surveyor specific instructions on what to look out for Make sure you find out about any planning restrictions, what can you do and what can’t you do? Don’t waste money on unnecessary stuff keep it simple and elegant make it neutral to appeal to as many people as possible Good communication is vital, so schedule regular meetings with your builder Make sure you order enough materials, having to order extra if you are short will be expensive Don’t underestimate the costs, make sure you have included everything that’s needed Remember to factor in the professional costs that will be part of the project Get more than one quote for anything you are paying for, avoid the temptation of going for the cheapest, look for the best value Only spend money on what you need to, make sure there is a good job done on the physical structure of the property Repair rather than replace especially on an older property as the originals will usually be of a good quality Use the right materials, if you are working on a traditional property make sure the materials you use are in line with the existing ones BEST MOMENTS ‘When you start make sure you have a contingency fund and don’t waste money on expensive stuff’ ‘Order around 5-10% more than you need’ ‘Cowboy builders do exist and you need to avoid them’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk *FREE WEBINAR -* *https://bit.ly/shazwebinar* ABOUT THE HOST 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.
	13 Apr 2022	TOMS, Pensions and Partnerships	00:26:48
Shaz shares great content on the best way to build your pension through a SSAS and explains how TOMS works and the criteria that may mean it applies to your business He also answers questions from his live audience about FHL and SA properties and how best to use your tax allowances KEY TAKEAWAYS You cannot use the profit from buy to let property to make pension contributions You can only make contributions from trading income SA or furnished holiday lets. It has to be relevant, qualifying income A SSAS means you have control and can buy commercial property and loan money Buy to let Property is always jointly owned between husband and wife A benefit of FHL and SA is that the profits can be split based on how much work each partner is doing FHL and SA are treated as trading businesses for tax purposes If TOMS applies to your business you must use it If you qualify for the flat rate scheme using it is a choice If you are a principal, buy in a service and a retailer TOMS applies to your business BEST MOMENTS ‘Contact HMRC and ask if TOMS applies to you’ ‘You are a principal buying in and making no changes’ ‘You can reinvest the money that goes into your SSAS every year’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	11 Oct 2021	How to Find a Property Mentor	00:19:19
FREE WEBINAR - https://bit.ly/shazwebinar” for all episodes until the 7th December Having a mentor can make a huge difference to you in your property journey but you need to make sure you carry out due diligence to make sure you find the right mentor for you You have to look at all the information about a potential mentor to build a picture of what they’re like and make a decision about whether they are the right fit for you, it’s about bringing the information you have together and not looking at any information in isolation because ultimately it’s your responsibility KEY TAKEAWAYS Use public information, such as Companies House to find out about the companies the person is associated with Do a credit check on the person to find out more and help build a picture of the person Get them to tell you their story and check with others who have worked with them Find out if they are a public speaker and go and see them live on stage Hearing them speak will help you to know if they can share their expertise in an understandable way with others Look at their social media accounts to find out about areas they are working in and how they respond to individuals’ questions Have they written a book? do they publish articles sharing their knowledge? If there are only good reviews this could be a red flag -nobody is perfect and learning from someone who has made mistakes themselves can be key in moving forward Talk to the person does their style match with yours/ are they are a good fit with you`? You may select a mentor who inspires you and will push you to achieve your goals even though their style may differ from yours BEST MOMENTS ‘It will give you a sense of the person and how they work’ ‘Don’t underestimate the power of speaking with other clients’ ‘Most people who invite speakers, invite industry experts’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	08 Dec 2022	What Is A Holding Company?	00:15:39
What is a holding company? What are the benefits of a holding company? What are the drawbacks of a holding company? Why should I have a holding company? In this episode, Shaz walks you through all these questions and more! KEY TAKEAWAYS A holding company is a type of business structure that deals specifically with business assets, investments and management. When a business is 100% owned by a holding company, that is when the term "Wholly Owned Subsidiary" applies, as the parent company wholly owns the subsidiary. There is an opportunity to save stamp duty land tax when you transfer property from one company to the other. You can claim group relief. BEST MOMENTS 'In general a holding company is a type of business structure that has no operations' 'A trading company can be a corporation, a limited partnership, or a limited liability company' 'There are a number of significant tax benefits' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	20 Dec 2022	SDLT Exemptions	00:10:13
SDLT is one of the most misunderstood taxes, but if clarity is provided then it can be a useful tool in your financial journey. In this episode, Shaz explains SDLT exemptions and reliefs that'll allow you to pay zero! KEY TAKEAWAYS An SDLT isn't as well understood as it should be, but if properly viewed, it can provide you with exemptions and reliefs that'll alleviate your finances considerably. If you occupy your house in the last two years, and sell it to a development company as part of a plan to buy a property from them, then you are exempt from paying SDLT If you buy a property through probate, via a limited company or partnership, you can spend up to £10,000 or 5% of the purchase price on fixing up the property - then sell the property, you will pay no SDLT. BEST MOMENTS 'Keep a not of this if you're looking to buy a new house at some point in the near future' 'If you grant a lease on the property then the relief will be withdrawn' 'There is partial relief, but stay within the numbers' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	03 Jan 2023	The Current Housing Market	00:14:58
Investing in property is an exciting journey, but there can be pitfalls along the way. In this episode, Shaz talks about the current state of the housing market and what you need to watch out for in order to ensure your continued success. KEY TAKEAWAYS Quantitative easing is coming to an end, so we are seeing large upheavals in the financial sector, including interest rates, which can affect property investors The Bank Of England's mandate has trumped its obligation to control inflation and right now the challenge is to bring it down from double to single digits. Borrowing costs are rising steeply, and the public have far less to spend. We have a rocky time ahead, and the road to recovery is a long one. BEST MOMENTS 'What's inescapable is that the government lost the confidence of many in the market' 'Time will tell how well that will perform' 'Investors should also realise that most Britons are poorer. We're all paying more for less' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	14 Sep 2020	How to Make Your Money Work	00:18:43
Shaz explains how you should hold onto your money until you find the right deal, and if you don’t have any money of your own how to leverage and use someone else’s helping them to make money and helping you to grow and invest in the deals that make the difference. It’s important to understand that every decision has a consequence – positive or negative and you need to always take the time to think through things carefully so you know what could happen – the upside and the downside. Shaz shares great money tips for the property investor with something for everyone in this episode. KEY TAKEAWAYS If you have money in the bank don’t be desperate to invest it, wait until you find the right deal. Everyone is looking for the next big idea but taking small actions consistently over a period of time will bring you success. For the majority, small marginal gains are what makes the difference Being able to use other people’s money is a game-changer Use other people’s money to help them make money and it will help you to grow quicker. Manage your debt – get your numbers right and know you can effectively manage your debt. Time management is key, learn to leverage your time and make the best use of it. Every financial choice will have a consequence, either positive or negative. Think through things carefully and if you can’t live with the downside don’t do it. BEST MOMENTS ‘Live within your means and save some of your money to invest in cash appreciating assets’ ‘People may not have money but they may have other assets you can leverage’ ‘Make sure all the strategies are profitable’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	19 Jul 2021	Property Proficiency Workshop Episode 2	00:15:37
Whether you are new or experienced this is the place to be to learn how to achieve true financial freedom through property and in this episode Shaz focuses on tax savings as a property investor When you are tax efficient you can build capital and you don’t need to know all about each tax strategy you just need to be aware of the tax-saving possibilities KEY TAKEAWAYS It depends on your situation as to how the rules may apply to you In the guidance, there are opportunities for you to save money through reliefs, exemptions and allowances You can only benefit if you work with someone who knows how to apply the rules to your situation When you are buying property you may need to pay stamp duty land tax. If you are buying two or more properties you can make significant tax savings Talk to a stamp duty land tax expert People save tens of thousands of pounds every year in stamp duty land tax relief SSAS works particularly well for property investors Have an annual review for your inheritance tax exposure and plan for inheritance tax as you go along Property investors can have large exposure for inheritance tax Compare and contrast the advantages and disadvantages of having a company car to work out what works best for you. When buying commercial property always consider capital allowances as this is a huge saving. If you are working from home claim homeworkers allowance, it all adds up BEST MOMENTS ‘If you save a pound in tax you don’t have to do anything ‘ ‘Our tax code is over twenty thousand pages long, it’s deep and it’s complicated’ ‘Many people lose out because they don’t apply the right rules in the right places’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	26 Nov 2020	Commercial Conversions EXPLAINED What you should consider before doing one	00:07:19
In this content-packed episode, Shaz explains what everyone should know before they start a commercial conversion. Lots of people miss out capital allowances because they don’t know what they can claim so it’s vital you seek the advice of an expert tax specialist so that you know exactly what you can claim in capital allowances. Commercial conversions can be a great area to get into as a property developer and Shaz shares great advice and tips about how to get the best out any project by starting off with the right information. KEY TAKEAWAYS If a person in the past has claimed tax on a refurbishment then they will need to charge you VAT when you purchase. If you are converting from commercial to residential they can accept a VAT 1614D from you meaning you don’t pay VAT. If you are paying VAT on a transaction you will also be paying stamp duty and land tax on the figure. When you are buying commercial property make sure you speak to a tax specialist to ensure you claim all the capital allowances due. If you are buying through a limited company you will need to carry out due diligence and there is a cost involved with this. If you are buying a property within a limited company you need to seek expert advice about property base cost and future tax. BEST MOMENTS ‘Many people miss out on capital allowances because they are not advised about them’ If you are buying the shares of a company make sure you factor in the base cost of the property’ ‘Always seek advice from a tax expert to make sure you claim all capital allowances due’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	03 Apr 2023	Commercial Conversions	00:21:17
Shaz deep dives into the commercial conversion strategy - everything from how long the process should take, to the regulations and expectations involved in what can be one of the most lucrative forms of property investment strategy. KEY TAKEAWAYS A commercial conversion is the purchase of a formerly commercial property, and its conversion into a set of residential properties, either increasing or decreasing the number units within. Eighteen months is a sensible time period to aim for when it comes to converting a commercial building into a residential one. Always be prepared to face a number of regulations, designed to ensure compliancy at every level from governmental departments, including planning. BEST MOMENTS 'You're in the hands of the Gods, as they say' 'Buying, designing, building, renting out' 'It always takes longer, always costs you more' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	27 Apr 2022	Top Mindset Tips	00:21:13
As an entrepreneur with extensive experience and expertise, Shaz has some great tips on what you can do to develop and improve your mindset He has learnt to think about things in a different way and explains why mistakes are the gift of learning, how taking responsibility and being decisive about taking action are crucial and shares the key to self-management Those who want to learn, listen, change, and improve usually do better than those who don’t, action is a wonderful thing so make listening to this episode the first action you take in developing the right mindset KEY TAKEAWAYS Mistakes are lessons, there is no failure and you shouldn't let it hold it back When you make mistakes learn from them and move forward in a better way Embrace your mistakes and take action to make a difference Take responsibility for what happens in your life and what you have control over Those who take responsibility are usually more successful than those who don’t You need to be decisive and take action for things to progress and improve Motion beats meditation, it’s important to stay in motion to achieve your goals and move forward Self-management is crucial because it leads to effective focused time management Be disciplined to get the most out of your day Surround yourself with the right sort of people, those who can support and inspire you BEST MOMENTS ‘Everyone makes mistakes, it’s just how you react to those mistakes and what you put in place to avoid them happening in the future’ ‘Take responsibility - it will be a game-changer for you’ ‘Sitting on the fence gets you nowhere’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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
	24 Feb 2022	Why I Think Property is a Better Business Than Any Other	00:12:48
As a successful entrepreneur, Shaz has multiple businesses in very different areas with property being one of them and in this episode, he explains why it’s his favourite business giving him not only flexibility but also total freedom He shares the aspects of property as a business that mean it is like no other business, with flexibility, freedom, and extensive strategies that you can use whether you start and scale up or have a property business as an additional income KEY TAKEAWAYS Property is a very flexible business You can have a small business or scale up and become a large property business There are an extensive range of strategies you can use the possibilities are numerous It’s a great additional income and you can create generational wealth with your property business Property investors are usually more motivated and undertake self-development No business gives you as much leverage as property There is no other business where you can create an additional source of income without using any of your money and get capital appreciation You can pretty easily create £50,000 worth of net profit every year doing commercial conversions with none of your own money Property means you can achieve not only financial freedom but total freedom BEST MOMENTS ‘If you are really serious about property you will have more than one strategy’ ‘Property takes up the least amount of my time, generates the most amount of income and satisfaction, what’s not to like’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	02 Feb 2023	Company Control	00:05:39
When talking about the control of a company, it can be tricky to decide who requires what in order to retain a controlling interest. In this episode, Shaz explains it all! KEY TAKEAWAYS It's wise for the party who wants control to ensure they have 51% of the shares which makes you ahead in voting rights. Shareholders agreements are vital in order to make sure that when an impasse is reached, progress can be made. BEST MOMENTS 'You have control of the voting rights' 'It's extremely important to have a shareholder's agreement' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	15 Dec 2020	Money Management Episode 4: How to get out of Debt	00:10:52
Shaz looks at why debt is a part of most people’s lives and the actions you can take to get out of debt along with the options available if you can’t. If you take the time to effectively manage your debts you can lower the amount of interest you need to pay and shorten the length of repayment. Budgeting is a key part of building a successful personal and business life and if you focus on effective budgeting you will be able to remain out of debt. KEY TAKEAWAYS A mortgage is a debt but if you pay off the debt the asset becomes yours. An offset mortgage can save you money over the period of the loan. If you are in debt you need to come up with a payment plan to get out of debt. If a payment plan isn’t possible you may need a debt relief order, an IVA or to file for bankruptcy. If you are in debt speak to the people you owe money to and try to arrange a plan to pay them back. If you have a high-interest rate on your debts it may be worth moving the debt to loans with lower interest rates. Being in debt can have a huge impact on all areas of your life. Budgeting is part of the foundation needed to build a successful business and personal life. BEST MOMENTS ‘Debt does feature in most people’s lives in one way or another’ ‘Organisations want their money back so they may accept a payment plan’ ‘It’s best to try and budget effectively and not get into debt in the first place’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	27 Jul 2020	Tips for Successful Commercial Property Development	00:19:13
Shaz shares invaluable tax tips and property advice as he takes us through one of his current development projects. In this particular project, a conversion from commercial to residential, there are a number of significant opportunities to claim tax relief but as Shaz discusses many people miss out because they just don’t know what they could claim. As he goes through the process from joint venturing to obtaining planning this real life example provides a great insight into understanding what to look at and when to ensure you gain the most at each stage of a development. KEY TAKEAWAYS Joint ventures are an effective way to work in property development. Property isn’t just one business every project is different and the more you involve others the more projects you can get involved in. We claimed land remediation relief at 150% of the cost. If you gift the use of the property to a charity with the approval of the council whilst planning is going through they can claim 80% business rates relief. The previous owners paid rent for 3 months storage of large and bulky equipment to enable effective disposal of it. Buying commercial property means you can make a capital allowances claim for the fixtures and fittings. If everyone is involved then everyone benefits. It is all about working with people who share the same values and mindset. You have to be patient, in any project there can be things that are out of your control. Learning to be flexible is key for the success of any project. Patience and flexibility are the keys to driving any project forward BEST MOMENTS ‘We initiated the conversation and were open and honest so we were able to come to an agreement’ ‘If you are looking to buy property make sure you speak to a capital allowances specialist’ ‘Keeping particular features is beneficial to both the building and you’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	21 Apr 2021	Why You Should Invest in Commercial Conversions as a Property Investor	00:11:02
You can purchase a commercial property with a long term lease bringing in rent and capital appreciation or you can buy a commercial property and convert it into residential creating an uplift in profit. There are great deals available on commercial properties and the opportunities to get a property at a reduced price is out there right now. Shaz shares his expertise on what you can do with commercial property and why there are commercial properties out there at really good prices. KEY TAKEAWAYS The price per square foot is much cheaper on commercial property. Converting commercial to residential will increase the value per square foot Even after a refurbishment, there is a huge profit margin. If you don’t sell, refinance then rent out the properties bringing in immediate cash flow to cover the loan. There are particular areas in towns and cities across the country that have great opportunities to purchase commercial properties There are long term leases available on commercial properties. With commercial properties, you can have an FRI lease and any insurance, maintenance or repairs are the responsibility of the tenant BEST MOMENTS ‘Now people have seen there is a different way of working’ ‘There are more opportunities now than there were 6 months ago’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	19 Oct 2022	Capital Allowances And SA	00:09:57
Shaz shares the key points about claiming capital allowances including when you can and when you can't claim If you are wondering where to get started on capital allowances, this episode is the one to listen to KEY TAKEAWAYS You can claim on anything fixed to the building You can claim capital allowances if the previous owner hasn’t A commercial property or standard search enquiry, completed by the solicitor has a question about capital allowance claims For new items, you can claim the cost for existing items a valuer is needed to assess There are different pools for capital allowances In a large HMO, you can claim for communal areas BEST MOMENTS ‘A new building will have its own capital allowances’ ‘The longer you use it as SA the better for capital allowances’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	21 Mar 2023	New Tax Rules	00:07:56
Shaz discusses two new important changes to tax regulations, including Option To Tax and the new VAT penalty regime, which may cost you dearly. KEY TAKEAWAYS An Option To Tax is when somebody brings a commercial property into the VAT regime, meaning that the costs of refurbishment can be claimed back from HMRC. From the 1st February 2023, HMRC implemented changes . The first change is that HMRC will stop issuing OTT notification receipt letters. BEST MOMENTS 'They opt to tax for the property, which means they ask HMRC for the costs of the refurb' 'Make sure that you pay on time!' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	07 Nov 2023	All About Habits	00:48:43
The team delve into the topic of habits and how they can be a game changer in one's life., focussing on how habits are often associated with negative connotations, but emphasising the importance of recognising and cultivating positive habits. They also explore the process of creating and changing habits, highlighting the need for personal motivation and choice, and stress the significance of having a structured routine and the benefits it can bring, such as increased productivity, enhanced mental well-being, and improved personal growth. KEY TAKEAWAYS Habits can have both positive and negative connotations, but it's important to focus on creating and maintaining good habits. When creating a new habit, it's crucial to have a genuine desire and inner motivation to make the change. Start with achievable goals and small habits, gradually increasing them as your discipline and ambitions grow. Consistency and tracking your progress are key to forming and maintaining habits. BEST MOMENTS "Habits are both good and the thing is when someone says habit to you or the wider community, wider world, a lot of the time it comes with a negative connotation." "If one's looking to change a habit or create a new habit, is you have to realise that you really want to do it." "I think everyone should choose to actively control their routine rather than let their, because life is what happens regardless whether you choose it or whether you don't." "Because once you've got a process and you follow the process, then you're more likely to get consistent results." VALUABLE RESOURCES shaz@aaa-accountants.co.uk https://www.facebook.com/shaznawaz11 https://www.linkedin.com/in/shaznawaz/ https://www.instagram.com/parkwardlabour/ https://www.youtube.com/channel/UCJCDESxIqYjhiIBxJ90nKwQ?disable_polymer=true 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 consultations 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.
	23 Feb 2021	How to start a property business EP 7: Top 9 things you should do at the start	00:05:53
Shaz shares his key tips in this episode, the things you need to do if you want to be successful in business as a property entrepreneur. Shaz shares his personal experiences and provides a great opportunity for others to learn from the mistakes he made along the way. If you are passionate about property and committed to growing a successful property business then follow these key tips and you will see positive results. KEY TAKEAWAYS Make Sure you have a good power team solicitor, accountant, architect, deal sourcer, planning consultant and builder Surround yourself with successful, positive people, you are the average of those around you. Network, to learn from others and shorten your own learning curve Get a mentor, this is really important and will make a huge difference Dedicate 15 minutes a day to learning about property Start conversations across social media platforms to start building contacts. Make a plan and make sure you carry it out. Take the action you need to make things happen. BEST MOMENTS ‘I wish I’d had a mentor early on when I started out in business’ ‘You need to be passionate and committed to being a successful property investor’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	02 Feb 2021	Starting a Property Business- Ep 4: How to Buy a Property with No Money!	00:09:07
One of the most common questions asked by those starting out in property is ‘ I don’t have the funds how can I buy property?’ Shaz answers the question and explains exactly how anyone starting out can buy property without using any of their own money. Follow Shaz’ advice and you will be able to focus on spending your time finding good deals and building your property business. KEY TAKEAWAYS Spend time finding a good deal with the right property You can look for a joint venture partner to fund the purchase and possibly also fund the refurbishment. People with money want to invest because they may not have the time or the know-how to do it themselves. You can find investors and joint venture partners through networking and business groups. Start talking to people about what you have to offer and the deals you have. It’s all about building a relationship so that when the right deal comes along they will want to invest. If you get the first deal right they will want to continue to invest with you. Often investors will want to invest more once you have worked with them successfully. BEST MOMENTS ‘I used to think it wasn’t possible but then I tried it, I found the deal and someone else funded it’ ‘Knock on the right doors and you will find investors and funding’ ‘It works you just need to get out there and do it’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	19 Oct 2020	The Market Right Now; WMS Housing Market Crash Ep.1	00:13:25
In this first episode in the mini-series looking at the question everyone is asking; ‘Is the property market going to crash?’ Shaz reviews where we are at currently, at this moment in time, sharing not only the facts but his expert opinion based on the information and data available. This is a great opportunity to not only hear the key facts in one place but also the views of someone with considerable experience and expertise in the property market. KEY TAKEAWAYS According to the Nationwide ‘house prices are at an all-time high’ September saw the biggest monthly rise in the last 16 years. Houses are selling really fast for asking price and above. The average time to sell a house currently is 27 days which indicates how quickly the market is moving. There are less new houses available at the moment due to the lockdown stopping work. You are going to have to pay higher interest if you have a smaller deposit. The choice of lenders for those with a 10% deposit is now far less than before COVID 8 million mortgage holidays were taken up. Stamp duty land tax is in place until the end of March 2021 and has supported and incentivised the property market BEST MOMENTS ‘Some are nervous about buying and others have money to invest’ ‘The help to buy has been extended by 2 months’ ‘Things are starting to change’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	03 Mar 2020	How to Get Time Management Right and Do More	00:16:25
The most common question Shaz is asked is ‘how do you find the time to fit everything in with 5 businesses, your work as a City councillor and as part of the board of 2 charities? Shaz shares how he is able to do all this and spend quality time with his young family in this episode about effective time management. Instead of time management, it should be really be called self-management because, in reality, we can’t manage time, we can only manage ourselves and Shaz explains the most effective ways to work smart and get more done every day with some great content that anyone can start using now. KEY TAKEAWAYS Prioritise Before you complete your day write down the 3 things you want to prioritise the following day, work on those first the following day beginning with your No1 priority tasks. You then keep adding tasks throughout the day and reassessing whether to move down the list, according to priority. Pomodoro technique For 20mins in an hour focus 100% on a very specific task, it is then possible to increase the amount you achieve substantially. Delegation Everyone puts off certain tasks but tackling the tasks or delegating them is a good way to get them done quickly and efficiently Allocating regular time slots Having time allotted for specific tasks every week using a good diary system and giving priority to keeping to these allotted times is effective for time management. This is about working smarter so you have the time to do what you want to do. BEST MOMENTS ‘If you don’t value your time and protect it others won’t either’ ‘Get disciplined and only check emails 2 or 3 times a day so you can get other things done’ ‘You must respect yourself and your own time’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	16 Aug 2022	Inheritance Tax	00:22:44
If you want to make inheritance tax work for you and your children you need to start planning from day one of your business and Shaz discusses the different ways you can do this through alphabet shares, keeping the income flowing to you but ensuring the capital will be there for your children He also answers questions about transferring properties into a limited company and explains the points at which it is beneficial for tax purposes KEY TAKEAWAYS Keep the income flowing to you but the capital going to them in the future through alphabet shares Inheritance tax is based on value Giving shares to children means they own the growth of the company You can have both freezer and growth shares If you transfer one property into a limited company and have lived in it since you’ve owned it there is no capital gains tax to pay If you have a buy-to-let and transfer you will pay capital gains tax With five or more properties you can look at section 162 incorporation relief A property business is defined by you spending 20 or more hours in it Limited companies are usually more tax-efficient because there is more transparency BEST MOMENTS ‘Start your inheritance tax planning from day one’ ‘Give capital rights to your children so they get the capital growth’ ‘The Government want the transparency so make limited companies more tax efficient’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	09 May 2022	21 Properties in Under 2 Years	00:15:35
When people are building their property portfolio they often set a goal linked to achieving a certain number of properties but Shaz explains how looking at the income you want to achieve and the different strategies available mean you can reach your goal faster He uses his own recent project as an example of how you can achieve more with a joint venture partner and takes us through the numbers and strategies that helped him to reach 21 properties in under 2 years KEY TAKEAWAYS Use the numbers’ goal and link it to your desired income figure Make an income number your goal and use a range of property strategies to achieve it Work with a JV partner to get the deals you want Developments with multiple properties will help you to grow more quickly The more properties you have the more income you can generate Focus on finding good deals and a JV partner Start with smaller deals, keep it simple and you can rapidly scale BEST MOMENTS ‘Most people focus and measure their goals through achieving a set number of properties’ ‘Go in a different direction and you could do better than most others’ ‘We did it from start to end in 21 months’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	07 Jun 2021	Rent to Rent Property Strategy - Advantages and Disadvantages	00:05:12
This is a great run through the advantages and disadvantages of a rent to rent strategy, if you are just starting out in property and don’t have the capital this could be the strategy for you with a low barrier to entry and the potential to scale quickly. Hear about the positives and the things to look out for with a strategy that is minimal risk and needs minimal capital and then get started. KEY TAKEAWAYS You can scale quickly with minimum cash flow and low risk You can create good profit through single lets, multi lets and serviced accommodation but you need to find the right landlord Because you don’t own the property you don’t benefit from it as an appreciating asset You can start with rent to rent then diversify and buy property Having an option agreement to buy the property can be a positive for you and the owner Minimal risk, minimal capital and it’s a great way to get started in property BEST MOMENTS ‘You can create a good amount of profit for you and the owners’ ‘The barrier to entry is very low and you can get started quickly’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	30 Aug 2021	Pros and Cons of No Money Down	00:10:15
Shaz explains how no money down deals work and why it was a game-changer for him. When you are working with other people’s money you must fulfil the promises you make and be good at communication but if you can do this it’s a strategy that can work brilliantly for everyone involved Listen in and hear about both the prose and the cons from someone who has successfully used no money down multiple times. KEY TAKEAWAYS It has worked for me and once you have done it makes perfect sense If you are short on money then leveraging someone else’s money is a great solution You can be creative – you can look at a profit split with other parties involved in the deal It gives you the opportunity to do lots of deals at the same time You can scale quickly and work with different joint venture partners With someone else’s money, you are more accountable and focused If you have completed several deals you can easily attract more finance because you have a track record There is always a risk when you are using other people’s money and you have to take responsibility for other people’s money Start with less risky deals such as buy to let Make sure the numbers stack up in any deal you are doing No money down is about relationships and managing those relationships with other people If you are not good with relationships a strategy of no money down will be challenging Communication is key and you must keep the investor up to date with what’s going BEST MOMENTS ‘No money down has been a complete game-changer for me’ ‘Your first deal will be harder than the ones that come later’ ‘Make sure you live up to the promises you make and do what you say you are going to do’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	27 Feb 2024	Top Traits & Habits of Wealthy People	00:50:48
Shaz delves into the top traits and habits of successful and wealthy individuals. With a motivational and informative tone, Shaz emphasises the significance of mindset, habits, and personal responsibility in achieving financial success. Drawing from his own experiences and expertise, he highlights the importance of focus, goal-setting, and continuous learning. Through practical examples and relatable anecdotes, Shaz guides listeners on the path to financial prosperity, encouraging them to adopt a positive mindset and take proactive steps towards building wealth. KEY TAKEAWAYS Successful individuals prioritise important tasks and maintain a laser focus on their goals, avoiding overwhelm and delegation of less critical tasks. Careful investment choices with a focus on high returns, emphasising the importance of setting clear goals for investment returns. Successful people not only practice positive habits themselves but also teach them to others, emphasising the value of leading by example. Taking ownership of one's actions and outcomes, recognising the role of personal responsibility in achieving success. BEST MOMENTS "90% of success is about mindset and habits, and 10% is about implementation of your goals and activities." "Successful people understand they can't do everything. They need to prioritise the important things." "Living below your means is crucial. Delayed gratification is key to building wealth." "Reading daily opens your mind and changes your perspective. Books are your best friend." VALUABLE RESOURCES shaz@aaa-accountants.co.uk https://www.facebook.com/shaznawaz11 https://www.linkedin.com/in/shaznawaz/ https://www.instagram.com/parkwardlabour/ https://www.youtube.com/channel/UCJCDESxIqYjhiIBxJ90nKwQ?disable_polymer=true 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 consultations 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.
	26 Jan 2021	Starting a Property Business EP 3 Goldmine Area & Contractors	00:09:36
Deciding on your goldmine area, the place you want to focus your attention on for property development is key and there are a range of factors to take into account. Shaz shares what you should consider whilst always understanding that ultimately it’s all about whether the deal works for you and the end value and appeal to others. To refurbish or redevelop a property as a property developer means you need to also find the right contractors to work with, building a team that you are happy to work with on a regular basis as your business grows. KEY TAKEAWAYS You need to decide how far you want to travel. When deciding on your goldmine area consider – Market demand and purchase prices The location, relevant to recreational areas like parks. The proximity of schools, bus and train routes and places of worship. Other developments being undertaken or planned in the future If your projects are in the same area you can use the same contractors When contractors are in a local area you can see previous work Get testimonials from their previous clients and customers Take your time and choose the right contractor because you will potentially be offering regular work. BEST MOMENTS ‘Ultimately it’s all about whether the deal works and the end value’ ‘I’d rather have 4or 5 projects in the same area’ ‘Having my architect and contractors close by works for me’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	25 Jan 2024	How To Achieve Your Goals	00:49:34
Shaz discusses the importance of taking action and implementing goals effectively. He provides a comprehensive list of 25 actionable steps and tips to help listeners achieve their goals. Shaz also talks about the need to lay the foundations and develop a detailed plan, assign responsibilities, set milestones, allocate resources, and have a clear communication and feedback loop, highlighting the significance of celebrating achievements, maintaining flexibility, and practicing resilience. KEY TAKEAWAYS Setting clear goals and developing a detailed action plan is crucial for achieving success. Assigning responsibilities and setting milestones helps track progress and maintain momentum. Allocating the right resources, including personnel, training, and support, is essential for getting things done. Regular monitoring, communication, and feedback are important for staying on track and making necessary adjustments. Celebrating achievements and maintaining a supportive and focused environment are key to keeping the team motivated and committed. BEST MOMENTS "Taking action is by far one of the hardest things and having an action plan and having a way to make sure that you implement what you intend to do is important." "I don't have all the answers. I don't claim to know everything and this platform is all about sharing ideas and sharing is a two-way street so I'm more than happy to learn new things and add to my knowledge base." "Deadlines shouldn't change. That's why I said earlier on, it's better to have some slack time and a generous deadline up front rather than keeping it very tight and pressurised and then having to change it four times or five times or however many times." "Build something extra to help people - recognise, understand that you recognise when they are doing a good job." VALUABLE RESOURCES shaz@aaa-accountants.co.uk https://www.facebook.com/shaznawaz11 https://www.linkedin.com/in/shaznawaz/ https://www.instagram.com/parkwardlabour/ https://www.youtube.com/channel/UCJCDESxIqYjhiIBxJ90nKwQ?disable_polymer=true 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 consultations 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.
	24 Nov 2022	The Basics Of Flipping	00:17:08
Flips are good for cashflow and a great strategy, and in this episode, Shaz explains what you need to have in place and how you can get started From knowing your numbers to negotiating the right deals all the way through a project, Shaz shares valuable tips and advice about how to get started and succeed if you want to use flipping as either a supplementary or primary property strategy KEY TAKEAWAYS Flips are usually funded with bridging loans If the project takes longer the costs can increase, it’s important to get things completed within the allocated time frame Be clear about the numbers, the costs, what the margins are and what the profit is expected to be Negotiating is a key part, you need to negotiate the right deals throughout the project Build in a contingency for each project and be clear about what you are trying to achieve with each deal Research and know the area you are focusing on If you buy well and sell well it’s a great strategy Set a timeline and focus on keeping everything tight BEST MOMENTS You need to have a vision and an eye for details It’s a good supplementary or main strategy to have You need to buy right, below market value to make it work VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	05 Jan 2021	Money Management Episode 6 – Multiple Streams of Income	00:08:36
To be successful Its exceptionally important to have multiple streams of income. If you only have one key employee, one key customer or one way of generating leads then the impact will be high if you don’t have them. As a business owner, you need to focus on working to have more than one stream of income so you can use your first business to fund your lifestyle and the additional businesses to invest and generate income to grow further. KEY TAKEAWAYS Most business owners only have one source of income. If you have 1 key employee, 1 way of generating leads, 1 big customer then you will find things difficult if you don’t have them. You need to work to have two or more streams of income. Look at your customers and clients and ask yourself what else can you supply? Your first business will fund your lifestyle. A second business can be used to invest in generating even more income. Don’t stop at two, it requires the same effort to run one business as it does multiple businesses. BEST MOMENTS ‘Property is a fantastic way of generating additional income’ ‘I started with accountancy and extended to business advice, coaching and mentoring when I realised this was something my clients wanted’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	11 Jan 2022	Property Tax Planning – Top Tips Live Q&A	00:37:48
In this live Q&A Shaz answers wide-ranging questions about businesses and tax He shares informative content about tax relief and deductible expenses and the importance of exploring all the ways you can claim and save for you and your business along the crucial role a specialist tax advisor plays in making sure you are accessing all the tax relief you are entitled to and structuring your business in the best way KEY TAKEAWAYS Consider and review whether it’s worth incorporating on a regular basis Plan your remuneration and salary to make sure you don’t lose child benefits if you have a family Sometimes balancing a higher and lower-income between parents can be the most effective solution If you are buying a commercial property you must speak to a financial adviser who is a specialist in capital allowances With serviced accommodation capital allowances can be claimed when you purchase a property and when you refurbish the property With cars, there are various options available within your business structure and it's worth considering an electric vehicle If you are buying property through a limited company that is contaminated you can claim land remediation relief allowing you 150% relief on the costs to remove the contamination If you have partners in a company and you are injecting cash then you should draw up a loan agreement You can use different types of shares within your company for flexibility If you are married and one partner is not using their personal allowance 10% can be given to the spouse Under ‘rent a room relief’ the first £7,500 is tax-free The employment allowance can be claimed if you employ people and can be beneficial in helping you to pay national insurance contributions If you are a company director or employee trivial benefits means anything up to fifty pounds isn’t taxable in accordance with certain conditions BEST MOMENTS ‘If you don’t use certain allowances you can lose them’ ‘Capital allowances is a big one but there are still people who lose out’ ‘Always have a pre end of tax year meeting with your accountant’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	19 Jan 2021	How to Start a Property Business Ep 2 - No Money Down Deals	00:11:27
If you are thinking about getting started then this is an episode for you. Shaz explains his favourite strategy – no money down along with tips about what you need to look out for when you are starting out in the property business with your first developments. There are a range of ways to finance a project from using a bridging company through to working with a joint venture partner – it’s just about finding what’s right for you. KEY TAKEAWAYS Don’t underestimate the cost, this is often an issue with those new to development. Funding can be arranged through a bridging company and this can be done quickly but the rates are higher. Private funders and peer to peer lenders are also options. Bridging works well and money is available at different points of the development. You can work with a joint venture partner who may bring expertise, experience and funding. For a no money down purchase you source a deal and source someone who has the cash for the purchase and development. You can refinance when the development is complete. BEST MOMENTS ‘Make sure you are sensible with numbers and factor in all the other costs and resources required’ ‘For no money down, you source a deal’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	06 Jun 2022	Incorporating, Entrepreneurs And Investors Relief	00:13:19
Shaz works through detailed real life examples to explain how incorporation and entrepreneurs' and investors' relief can be effectively used in your business Understanding the rules and procedures around how your business needs to be structured to make the most of the tax relief available is crucial and Shaz shares great content in this episode KEY TAKEAWAYS If you are running serviced accommodation there are two opportunities to claim capital allowances, the purchase, and the refurbishment When you move property from your own name and incorporate it into a limited company you can gain an uplift on the base cost Companies don’t pay capital gains tax they pay corporation tax If you are incorporating all your properties, your entire business, you can claim section 162 incorporation relief which means no capital gains tax at that point If you sell individually capital gains tax is payable Commercial conversions are a trading activity, you are buying, refurbishing, and selling A walk in retail business is different to an online business even if the product is the same Investors' relief can be claimed If you form a company and give shares to your investors on day one and they keep the shares in the business for more than 3 years they only pay 10% tax on the first 10 million BEST MOMENTS ‘There are 2 forms of partnership, an LLP and a standard unincorporated partnership’ ‘We demonstrated to HMRC that he was eligible to claim entrepreneurs’ relief’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	11 Nov 2021	What Makes a Motivated Seller?	00:15:25
Finding a motivated seller is the best way to get a good deal and knowing how to find a motivated seller and the reasons ‘why’ they want to sell is crucial in securing great deals Listen in and hear from Shaz about how to locate motivated sellers and what you can do to get the deal you want and solve their problem *FREE WEBINAR - https://bit.ly/shazwebinar* KEY TAKEAWAYS Some sellers become motivated over time. Motivated sellers are more likely to accept an offer Buying below market value means a better margin for you Look for houses listed with multiple agents and contact them directly Working without an agent has savings for the seller Work out what the seller’s priorities are If you can solve more of their problems they are more likely to accept your offer Write to all the sellers in your goldmine area and find out who’s motivated and what their pain points are Find a motivated seller, ease their pain, solve their problem, and get a much better deal BEST MOMENTS ‘Motivated sellers usually have a deadline that they want to sell by’ ‘If you can close a deal quickly then agents will be more positive’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk *FREE WEBINAR -* *https://bit.ly/shazwebinar* ABOUT THE HOST 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.
	06 Apr 2020	Covid-19 and Government Grants	00:23:21
There is lots of information out there and Shaz brings together the important key points that every business owner should know about COVID19 and Government Grants and Loans in a clear and succinct way in this informative episode. From the loans available and the qualifying criteria through to what is happening with Tax and VAT this is a must-listen for every business owner with clear information and great advice on what you can do now. KEY TAKEAWAYS Business interruption loan scheme Funded by the government this is a demand-led scheme. They will fund based on how many people need it and how many qualify for it Speak to your bank or one of the providers making loans available through this government incentive. This loan facility is available to businesses who have at least 50% of more of their income from a trading business or trading activity If you get funding for the initial 250,000 it should be unsecured, but it is at the bank’s discretion over this amount will require security Furloughing employees Kicks in from the 1st March. You can furlough employees you can no longer pay and claim 80% of their actual monthly salary. The payroll run used for the calculation will be 28 February 2020. HMRC are policing the system and expect to begin making payments at the end of May -until this point employers will need to continue paying their employees and will be reimbursed in early May If an employee has been furloughed they can’t work but they can undertake training but use a furlough agreement so everyone is clear about the arrangement in place. If you had already made people redundant you can bring them back and furlough them. Directors can furlough themselves but can then only carry out the statutory duties required. 10k grant If you qualified for small business rate relief on 11 March you will get 10k grant administered by your local authority. Most local authorities are contacting small businesses but you can be proactive and contact them yourself. BEST MOMENTS ‘The loan must be used for business purposes; it is intended to bridge the difference between loss of income and loss of turnover’ ‘If you get funding for the initial 250,000 it should be unsecured, but it is at the bank’s discretion’ ‘I’m distilling the information to make it easier for you and your business’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk GOV COVID19 Support for Business ABOUT THE HOST 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.
	17 Jul 2023	The Property Economy	00:25:46
Shaz discusses the state of the economy in the property sector, and how the inflation rises and interest rates are affecting investors and homeowners in the UK today. KEY TAKEAWAYS Printing money in order to prop up the economy will always have after effects, and inflation is demonstrating that for us all right now. The economy is non-reactive in terms of when something happens, the effects can sometimes not be felt until much later, when the impacts land more unexpectedly. Don't look at the short term, be cautious, sensible and think about the long term effects of any financial decision you make. In the end, property will always go up in value in the long term. BEST MOMENTS 'What goes up must come down' 'In 2016 we were still feeling the effects of the 2008 property crash' 'Be more cautious and sensible' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	17 Apr 2023	Commercial Conversion and VAT	00:15:01
In this episode, Shaz explains the VAT rates and implications when doing a commercial conversion, and how you can and should remain compliant at all times. KEY TAKEAWAYS When doing a commercial conversion, the VAT rate is 5% whether increasing the number of units, decreasing them, or converting a property that has been empty for more than two years. If you sell a property, you can claim back the VAT, but if you hold onto it, you cannot do this due to the fact that you will be selling a service BEST MOMENTS 'If you're increasing the number of units, you pay 5% on the increase' 'Reclaim every month because it will give you a c ash advantage' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	21 Jun 2021	Top 5 Tips for a Successful Commercial to Residential Project	00:06:11
Shaz shares great tips on exactly what you need to do to get a project that has potential, with numbers that stack up. When you have sourced a good deal make sure you have a funding source and a good contractor to make sure things run smoothly and always be prepared to walk away from a deal that doesn’t stack up, use these top tips as a starting point and your projects will be ones where there is great potential and successful outcomes. KEY TAKEAWAYS Sourcing a good deal is vital, learn from others about what to do and not to do Have good sourcing agents Can you add value to the property? What can you do to maximise space because this is where the money is Think about the different sources of funding and what will work for you. You need a good contractor and due diligence is vital Make sure the deal stacks up and works out on paper with good margins If the numbers don’t work walk away from the deal BEST MOMENTS ‘If you don’t get a good deal you are snookered from the start’ ‘Can you extend forwards, backwards, upwards or downwards?’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	27 Jan 2022	Top 5 Most Common Property Mistakes – Part 2	00:16:34
In this episode hear more great tips on how to avoid the most common mistakes in property. Shaz looks at financial planning, key experts along with the importance of training and explains what you can do to put yourself ahead in your property journey and benefit from the experience and knowledge of others, listen in and find out more KEY TAKEAWAYS It’s important to have a property plan and know the direction you are going in; it gives you clarity Know your financial goal and have an understanding of your costs Consider the structure you have in place for buying properties, this should be part of your plan Know what you are spending on a monthly basis and factor in potential unknown costs Mistakes can be avoided if you have a plan and do your research Focus on your target and how you are going to get there Asking the experts for advice is always worthwhile Work with people who are experts in their particular field Expanding and growing your knowledge through self-development will shorten your learning journey When you are planning include time and resources for training and self-development BEST MOMENTS ‘Most investors are quite leveraged’ ‘Stick to your principles, values, and targets’ ‘When you find a good expert work with them as if they are part of your team’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	29 Mar 2021	Buying a Business - Ep 4: Due Diligence	00:06:33
It’s important that you do due diligence whatever the size of the deal Financial, legal and commercial due diligence must be at the centre of any business deals if you want to make sure you don’t get caught out and Shaz covers the key aspects of good due diligence and a timely reminder that due diligence is about buyer beware. This is a great opportunity to hear about the best ways to get due diligence covered well when you are buying any business. KEY TAKEAWAYS Financial due diligence should always be completed – you should go back at least 3 years and also look at the prospective numbers going forward. Your accountant will work with you on the financial due diligence looking at the numbers, tax and accountability in detail. Legal due diligence – work with a solicitor who specialises in this area or has extensive experience in buying and selling businesses. Commercial due diligence - know what is going on in your industry, what your competitors are doing. Spend time looking and researching exactly what’s going on in the marketplace If the seller can’t answer all the questions then you are not buying what you thought you were buying and there is the possibility of negotiating a lower price Make sure you never buy a business without doing your due diligence or you will get caught out BEST MOMENTS ‘My solicitor sent me a checklist with 138 different points they look at closely’ ‘Don’t skimp on fees for due diligence’ ‘The bigger the deal the further into the future you will go with the numbers’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	28 Jun 2023	The Importance Of Research	00:20:48
Shaz discusses the value of thorough research, and why we should always do our due diligence and put the effort in when it comes to fact finding in the modern world. KEY TAKEAWAYS People seem to spend as little time as possible in gaining the answers they seek, largely due to the internet and free access to information. But we should always be doing our due diligence when it comes to fact finding. Effort should always be applied to any task. You have to put in the hard graft when you want to increase your knowledge base. Research is like anything - once you've applied yourself a few times, it gets much easier. Once you know where to look, the shortcuts begin to appear. BEST MOMENTS 'You can't short cut these things' 'Most importantly, look at the history of property investing' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	14 Jun 2023	Moral Landlords	00:13:46
Shaz discusses the all-important moral boundary line that all landlords should try to adhere to when it comes to relationships with their tenants. KEY TAKEAWAYS Many think that landlords are the ones raising rents to unreasonable highs, when in reality they are simply following the government's plans when it comes to pricing and taxation. Professional investors make their entire income through their portfolio. If it becomes unprofitable then prices must be adjusted accordingly in order to remain profitable. BEST MOMENTS 'Property investors don't set the price. The market sets the price' 'Property is a business. For a lot of landlords it's their only form of income' VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	30 Aug 2023	AI: Different Levels	00:26:03
In this episode of Wealth Made Simple, Shaz and Kieron delve into the fascinating world of AI (Artificial Intelligence). They begin by dispelling common misconceptions about AI, such as the fear of robots taking over, and provide an overview of the different levels of AI, from narrow AI to artificial superintelligence. KEY TAKEAWAYS AI encompasses various levels of intelligence, ranging from narrow AI to artificial superintelligence. Narrow AI refers to AI systems designed for specific tasks, while artificial superintelligence represents AI systems with human-like cognitive abilities. The potential benefits of AI are immense, including solving complex problems, advancing scientific research, and revolutionizing society. However, there are also ethical concerns and risks associated with the development of superintelligence. Narrow AI is the current level of AI that exists, and it is highly specialized and limited to specific tasks. Examples include voice assistants like Siri and Alexa, as well as chatbots and spam filters. AI can be a valuable tool for reducing research time and improving productivity and efficiency. However, it is crucial to sense check and verify the information provided by AI, as it can generate false or inaccurate results if not properly trained or guided. BEST MOMENTS "Superintelligence will be able to outsmart humans. It will be able to outmaneuver us." "It can solve world problems the way that we solve a child's problems." "It will just increase overall in every industry the efficiencies within our workplaces and jobs." "The future holds a complete idea of growth around all of this and it will just continue to grow." VALUABLE RESOURCES shaz@aaa-accountants.co.uk https://www.facebook.com/shaznawaz11 https://www.linkedin.com/in/shaznawaz/ https://www.instagram.com/parkwardlabour/ https://www.youtube.com/channel/UCJCDESxIqYjhiIBxJ90nKwQ?disable_polymer=true 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 consultations 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.
	21 Jan 2021	Q&A: Setting Aside Funds and When to Pay Yourself	00:06:01
Shaz looks at the question of how to set aside funds to pay yourself first and how to create a sub-account that can be used to fund repairs on your property portfolio. Paying yourself first at a commercial rate is vital but it’s something people struggle to get right as business owners but if you don’t value yourself who else will value you? KEY TAKEAWAYS It’s extremely important to pay yourself a commercial rate as quickly as possible If you don’t value yourself who else will value you? Pay yourself first at a commercial rate If your business can’t afford to pay you the amount you are worth work out how to move the business forward to a point where it can pay you that figure. Its good discipline to have a sub-account with a monthly amount transferred into it monthly for repairs. It will help you to become more disciplined. BEST MOMENTS ‘Many people only pay themselves last and at a very low rate’ ‘Think about a figure that you are worth’ ‘Sub accounts will mean you have clarity over your accounts’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	04 Feb 2020	In Conversation With Progressive Property’s Mark Homer!	00:49:12
It’s a very special crossover episode this week. Shaz joined entrepreneur investor, and co-founder of Progressive Property, Mark Homer, on the Mark My Words podcast, where he discussed 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 HOST 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 main stream media outlets. You can find Shaz on: Facebook LinkedIn Instagram YouTube.
	25 Nov 2021	Building Beyond Yourself with Saj Hussein	00:40:42
Shaz is talking to Saj Hussein, a hugely successful property entrepreneur about his journey and the challenges and successes he has faced along the way He talks candidly about how he got into property investment, what it has given him, what he has learnt and why, as someone who specialises in joint ventures, building relationships is so important. He also shares great content on property and how he has achieved success along with a fascinating insight into the life of a successful property entrepreneur and what it really takes to make a difference KEY TAKEAWAYS Being the first person to go to university in your family is a big thing. Some people hold themselves back because they don’t have a qualification My confidence grew beyond my capability and it all came crashing down I learnt so much more on the way down than the way up I learnt that I really wanted to do my own thing and I wanted to do something bigger and beyond me I started in property by learning and going to networking events It wasn’t about being in property it was how do I do it? There are degrees of motivation and we were looking for people who were really motivated You are in an isolated world and you have to keep pushing Everybody doesn’t think the same way, not everyone is driving forward and investing in self development I have built the business by working with lots of different partners Inspiration is about the journey and how someone does something A coach will help to get the best out of you, a mentor is someone who has already done it When you work for someone else there is an element of dependency People don’t always explore and push what they are capable of BEST MOMENTS ‘I realised you could have a lot more; it was just that we didn’t have it’ ‘I was re-selling that value to someone else’ ‘I spend time learning about other people who are successful’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk *FREE WEBINAR -* *https://bit.ly/shazwebinar* ABOUT THE HOST 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.
	06 Oct 2021	Why Most People Fail in Property	00:12:45
FREE WEBINAR - https://bit.ly/shazwebinar” for all episodes until the 7th December Shaz looks at what really makes the difference between success and failure in property and shares great content on what you need to do to be someone who is a successful property developer From mindset to building a great team around you there are vital elements that Shaz knows from experience you must have if you are going to be successful and he is sharing these and more in this must-listen episode for any property entrepreneur KEY TAKEAWAYS Mindset can be a huge issue; people create lots of reasons why they can’t do something Deal with what happens when it happens, property investors are problem solvers You need to be focused, decide on a strategy try it and then move on to the next Those who focus achieve more than those who don’t get focused Education is vital and you need to make sure you get the right advice, which you may have to pay for Learn about the area you are focusing on and invest money in your education The best return you will ever get is on the investment you make in yourself Go out there and take action As property developers we make money doing the deals You can’t do everything on your own, build a great power team around you, people who are good at doing the things you are not good at BEST MOMENTS ‘I’m sharing how to make it work and they are coming up with objections’ ‘Crack on and stay focused’ ‘Create a team around you who are bloody good at what they do’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	25 Aug 2021	Why You Should Use A Planning Consultant	00:05:38
In this episode, Shaz explains why you should use always use a planning consultant. Often architects know something about planning but they are usually not experts so a planning consultant is worth their weight in gold They can work with your architect and liaise with the planning officer to get the best outcome and with their expertise knowledge about planning policy, it’s cost-effective because with their input it’s possible to get your planning through first time. Listen in to find out more KEY TAKEAWAYS A planning consultant is someone who understands the process and is good at what they do They work alongside your architect Some architects know about planning but they are usually not experts The planning consultant will work with your architect and liaise with the local authority to get your planning through It will save you time, they will explain the possibilities to you It can save you money because with their expertise it can be possible to get your planning through the first time Planning consultants know about planning policy they can argue and defend your case Your planning consultant will work with you and the planning officer to get a better outcome BEST MOMENTS ‘If you are applying for planning use a planning consultant ‘It can save you having to have drawings revised several times ‘They are worth their weight in gold’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	27 Oct 2022	Overseas Money and Joint Ventures	00:08:30
Shaz looks at how overseas money can be used to fund property investments in the UK and the importance of knowing the investor and having a relationship with them This episode is a great opportunity to gain an overview of joint ventures with overseas investors and how funds can be effectively transferred KEY TAKEAWAYS They could transfer the funds to the UK and into a UK account Most solicitors will want you to transfer from your business account into their client account Solicitors have a duty under anti-money laundering rules Ideally, you should have an understanding of the investor and a relationship with them You have to ask the questions any lay person would ask BEST MOMENTS ‘Some lenders might not like it but there will always be someone out there who will like it’ ‘Ultimately it’s your responsibility VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	20 Sep 2021	How to Pick the Right Accountant	00:26:24
Do you want an accountant who helps you to achieve what you want to achieve? Shaz goes through a comprehensive list of twenty great points that you need to consider when you are looking for the right accountant for you. Your accountant is a hugely important advisor so finding someone who is able to offer the services you need and help you to achieve your goals and aspirations is key Listen in because the more advice you follow from this insightful list the more likely it is you will find an accountant who is the right fit for you. KEY TAKEAWAYS An accountant is an incredibly important advisor to you and your business Make sure your accountant knows and understands property The level of expertise you need will vary from time to time but you need to know who is working on your accountant, will you have a dedicated account manager? Who is going to be your dedicated point of contact? Ask about the services they offer to make sure they have all the services you require You need to have an accountant who can offer you what you need, don’t go with the cheapest, look for someone who can help you realise your expectations Check which software they are using, it’s better if they are using and familiar with the software you are using Different people have different requirements and you need to understand how they work and what to expect from communication with them Are they a qualified accountant? working with a qualified accountant means they have a regulatory body, indemnity insurance and have to undertake continuing professional development Does the company offer a money-back guarantee? This is an indicator they are confident about delivering every time Do they offer fixed fees? These are good because they provide clarity for you and mean the accountant will be motivated to be efficient Are they the right fit for you, do they communicate in a way that works for you and can you get along with them? BEST MOMENTS ‘If you get a blank look from the accountant when you mention property it’s a good indicator they are not the accountant for you’ ‘Ask people you know for recommendations; this is the best way to find anyone anywhere’ ‘If they have an interest in property investment they are going to know more and have good contacts’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	28 Sep 2020	What Tax-Free Benefits Can be Claimed?	00:07:22
What tax-free benefits are available to me? It’s understandable that people often ask this question and in this episode, Shaz provides a succinct and informative round-up of the tax-free benefits available to businesses. There are many areas across a business that can qualify for tax-free benefits and it’s knowing what qualifies so that you and your employees can benefit. If you know what activities are tax-free then you can make sure you are claiming everything you are entitled to and offering as much as possible to your employees. KEY TAKEAWAYS If you have employees then there are certain tax benefits you can give them including; Car parking spaces, electric cars, milage and bicycles. Providing a staff canteen is tax-free and includes the hot drinks. Medical assessments, eye tests and check-ups once a year are tax-free. If someone has been away from work for more than 28 days and medical treatment is recommended to facilitate return then the first £500 an employer pays is tax-free. If you have a long-serving employee of over 20 years you can award a long service award of £50 per year tax-free but it can’t be cash and they can’t have received an award in the past ten years. If an employee is relocating the first £8,000 of costs is tax-free. You can sell goods to your employee tax-free as long as you sell it for more than you paid for it. As a company director, you are an employee of the company and entitled to the tax-free benefits. BEST MOMENTS ‘The tax-free £150 is often known as the staff Christmas party’ ‘Welfare counselling is a tax-free benefit for your employees’ ‘The cycle to work scheme means you can pay for a bike tax-free as long as the bike is used for qualifying journeys’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	10 Aug 2022	Multiple Companies	00:18:10
Shaz is with a live audience and takes us, in detail, through particular scenarios about shares. He also discusses the different classes of shares and the tax implications There are some interesting questions that investors and business owners are working through right now and Shaz shares his detailed knowledge and expertise about the best solutions KEY TAKEAWAYS If you have two companies in a holding company structure and the profits are over a certain threshold you will pay more tax collectively There are advantages to a holding company structure that can outweigh any additional tax A buy-to-let property company can’t claim VAT A company within a holding company can move money as a tax-free dividend Don’t mix trading and investment businesses Settlements legislation stops a husband or wife from transferring funds to avoid tax payments If you are giving shares to your child it should be less than 20% You can freeze the value of the shares today and assign all future growth to new shares making them freezer shares and growth shares You can assign a dividend to a particular class of share Entrepreneurs’ relief allows you to invest on day one and if you keep the shares for 3 years only pay 10% tax when you exit the business BEST MOMENTS ‘The holding company is a shareholder of the other companies ‘You can give alphabet shares with no voting rights’ ‘If you own over 20% in a company you have certain rights’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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 consultations 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.
	16 Feb 2021	How to Start a Property Business Ep 6 Goals and KPI’s	00:08:54
Having clarity on your business and goals is vital and affects all other aspects and areas. If you don’t know where you are aiming or clarity you are unlikely to get there and in this episode, Shaz shares great advice and poses the questions any business owner should be asking themselves about what exactly they want to get out of their business and how they are going to achieve their goals and Key Performance Indicators. Those who take the time to map out what they want to achieve, have a roadmap and clearer vision and are more likely to achieve their goals and aspirations. KEY TAKEAWAYS Write down your goals however many there are. Be clear on what your business will look like in the future. Map out what you want to achieve. Your goals and aspirations change over time but having clarity about the journey is vital. Key Performance Indicators are real-time measures that will help you to stay on target It’s what you can measure in your business every week and month. KPI’s alter over time to provide the specific focus you need but get started by focusing on the hours spent working on and in the business and money in the bank It’s better to go through the journey finding the right KPI’s for your goals and the vision you have for your business. Focus on KPI’s for your key result areas, where the impact will be greatest. BEST MOMENTS ‘If you don’t like doing something then get someone else to do it’ ‘Focus on a clear direction and vision for your business’ ‘Making a start is more important than being perfect’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.
	16 Oct 2023	Basics Of Wealth	00:46:33
Shaz discusses the foundations of creating wealth, exploring its very concept, with different perspectives on what it means to different people. The episode focusses on the importance of patience, perseverance, and staying on course in order to achieve financial goals. KEY TAKEAWAYS Take the time to track your income and expenses in detail to gain a clear understanding of your financial situation. Continuously work on personal development and education to improve your mindset, skills, and knowledge, which will ultimately lead to greater success and wealth. Surround yourself with positive and knowledgeable individuals who can support and inspire you on your wealth creation journey. Be comfortable talking about money and work on removing any negative stories or beliefs you may have about wealth and money. BEST MOMENTS "Creating wealth isn't something that happens overnight. It happens one step at a time, one activity at a time, one day at a time." "Building wealth is a mindset. Once you get the mindset right, then everything else follows in situ one by one." "Track all of your expenditure line by line. Once you can list out everything that comes in and what's going out, you can then budget and manage properly." "Surround yourself with the right people who are positive and who know about things that you want to know about." VALUABLE RESOURCES shaz@aaa-accountants.co.uk https://www.facebook.com/shaznawaz11 https://www.linkedin.com/in/shaznawaz/ https://www.instagram.com/parkwardlabour/ https://www.youtube.com/channel/UCJCDESxIqYjhiIBxJ90nKwQ?disable_polymer=true 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 consultations 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.
	04 May 2020	Property Conference Q&A	00:40:09
In this episode, Shaz is answering a range of questions around tax, finance and the current support available from the government. This is a great listen and the wide range of questions that Shaz answers provide valuable information about buying land, loans between companies, deferment, the grants available to businesses during the current pandemic and why it’s vital to create your own emergency budget. Shaz truly has a wealth of expertise and knowledge, listen in for great content shared in an easily accessible way, with the questions we are all asking and the answers we need. KEY TAKEAWAYS HMRC are currently being flexible around payment plans and deferring. People are protecting cashflow and deferring but it’s vital to remember these payments will have to be made later. Create an emergency budget and be ruthless. Cut costs where you can because if you need it later you can get it later. There are many scams operating at the moment so you need to be very aware of this. For directors who are on an annual salary, there is a challenge as they would not have filed their RTI by the date currently being used as the stop point by the government. When you are working in property every deal is different so it’s important to ring-fence finance setting up a limited company for each deal is a way of achieving this. If a tenant is seeking deferment you can as the landlord request evidence of their change in circumstances. If a business has applied for a business rates account number and not yet received one they should still be able to access the small business grant. BEST MOMENTS ‘If you can get the VO to register you and you can show you were there prior to March then you can apply to the council for rates relief’ ‘The Chancellor has not been very favourable to directors’ ‘Make sure you budget for deferred payments’ VALUABLE RESOURCES shaz@aaa-accountants.co.uk ABOUT THE HOST 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.

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