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I s s : 429•1 3t hOct ober2026

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j ayneb@pr epar edmedi a. co. uk ForEques t r i anenqui r i es : cr ys t al @pr epar edmedi a. co. uk

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THESOUTHWESTTI MES

CONTENTS OCTOBER2026

LocalBus i nes s

Ever yt hi ng Eques t r i an Campai gn 1 1

4 Weddi ngs

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23 FEATUREDTHI SWEEK. . .

Pet s&Vet s Fami l yMat t er s Heal t h&Wel l nes s

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WhoWeAr e— TheAquat i cHabi t at AtTheAquat i cHabi t at , we’ r epas s i onat eabout cr eat i ngvi br ant , t hr i vi ngenvi r onment s —bot h under wat erandout door s . Asadedi cat ed s peci al i s ti naquar i umsandponds , wepr ovi de ever yt hi ngf r om hi ghqual i t yt anksandpond equi pmentt oexper tadvi ceandadi ver s e s el ect i onofheal t hyfis h. Whet heryou’ r ea fir s t t i mehobbyi s toranexper i encedkeeper , our mi s s i oni st ohel pyoubui l dt heper f ectaquat i cor pondecos ys t em wi t hconfidenceandi ns pi r at i on. Whats et susapar ti sourcommi t mentt oani mal wel f ar e, exper tknowl edge, andf r i endl ycus t omer s uppor t . Ourt eam i sher et ogui deyout hr ough ever ys t ageofyourj our ney—choos i ngt her i ght aquar i um orponds et up, under s t andi ngs peci es compat i bi l i t y , managi ngwat erqual i t y , and mai nt ai ni ngabal anced, t hr i vi nghabi t at . We bel i evet hatanyonecanenj oyt hebeaut yand t r anqui l l i t yofwel l keptaquat i candout doorwat er f eat ur eswi t ht her i ghtgui dance.

Fr om t r opi cal , col dwat er , andpondfis ht o aquas capi nges s ent i al s , pl ant s , t r eat ment s , f ood, décor , fil t r at i onandt echni cal equi pment , weofferacompl et er anget r us t edbyhobbyi s t s . Whet heryou' r ebui l di ngapeacef ul i ndoor aquar i um ort r ans f or mi ngyourgar denwi t ha s t unni ngpond, we’ r eher et ohel pyoubr i ngyour vi s i ont ol i f e. Whet heryou' r es t ar t i ngyourfir s ts et up, upgr adi ngyourcur r entone, ors i mpl yneed hones t , exper i encedadvi ce, TheAquat i cHabi t at i sher eever ys t epoft heway . Di s covert hedi ffer encepas s i onmakeswel comet oTheAquat i cHabi t at , wher e under wat erwor l dsandgar denpondscomet o l i f e.

www. t heaquat i chabi t at . co. uk

L OCALBUSI NE S SOFT HEMONT H

Ear l yChr i s t mass hopper sbel i e v et he ys av enear l y £1 00byget t i ngahead,ne wr es ear c hr e v eal s -Ne wr e s e ar c hc ommi s s i one dbyT opCas hbac kr e v e al s , onav e r ag e , Chr i s t mass hoppe r s be l i e v et he ys av e£98bys t ar t i ngt he i rs hoppi nge ar l y -Onei nf our( 24%) hav e n’ ts t ar t e dt he i rChr i s t mass hoppi ngwi t hamont ht og o, whi l ej us t 3%hav efini s he de v e r y t hi ng -78%t hi nkChr i s t mass t ar t se ar l i e ri ns hopse v e r yy e ar -Al mos thal f( 49%) woul dr at he rs pe ndl e s sonpr e s e nt st hanbefinanc i al l ys t r e t c he di n J anuar y Wi t hl es st han12weekst ogount i l Chr i s t mas , newl yc ommi s s i onedr es ear c hf r om T opCas hbac k, t heUK’ sl eadi ngc as hbac ks i t e, r ev eal ss hopper swhogetaheadoft hei r f es t i v ebuyi ngbel i ev et heys a v eana v er ageof£98bys t ar t i ngbef or emi dDec ember . Thefigur e-an18%dec r eas ef r om2025( £120) -s ugges t se xpec t eds a vi ngsf r oms t ar t i ng ear l yma ynots t r et c hasf art hi sChr i s t mas . Menes t i mat et heys a v eahi gheramountt han womenona v er age( £104vs£93) al t houghbot hfigur esar el owert hanl as ty ear( £140vs . £104) . Yetdes pi t et hes a vi ngsas s oc i at edwi t hget t i ngahead, j us tunderonei nf our( 24%) Chr i s t mass hopper ss t i l l ha v en’ ts t ar t edwi t honl yamont ht ogo, f ourper c ent agepoi nt s hi ghert hani n2025( 20%) . Att hes amet i me, onl y3%ha v eal r eadyfini s hedt hei r s hoppi ng, unc hangedf r oml as ty ear , r ev eal i ngac l eargapbet weent hes a vi ngss hopper s as s oc i at ewi t hs t ar t i ngear l y , andwhent heyac t ual l ybegi nbuyi ng. Fort hos eget t i ngahead, s t a yi ngor gani s edands pr eadi ngt hec os tar ek eymot i vat i ons . Mor et hanhal f( 54%) oft hos ewhos t ar tbef or emi dDec embers a yt heypr ef ert obe or gani s ed, upf ourper c ent agepoi nt sf r oml as ty ear . Twoi nfiv e( 40%) oft hos ewhos t ar tear l ydos ot os pr eadt hec os tofChr i s t mas , whi l e 35%dos ot ot ak eadvant ageofdeal s , bot hunc hangedonl as ty ear . Ot her ss t ar tear l yt o al l owt i mef ordel i v er i es( 29%) , gete xpens esoutoft hewa y( 28%) ors i mpl yj us tgi v e t hems el v esmor et i met os hopar ound( 23%) . Des pi t et hes l ows t ar t , t hef es t i v er us hi nevi t abl yc at c hesup. By18Dec ember , j us tone weekbef or eChr i s t mas , mor et hant hr eequar t er s( 77%) ha v ec ompl et edt hemaj or i t y , i f notal l oft hei rs hoppi ng, al t houghonei nt en( 10%) ha v eei t hery ett os t ar torha v eonl y madel i mi t edpr ogr es s .

Re l e as ef r omht t ps : / / www. t opc as hbac k . c o. uk / home /

Whi l emanys hopper sdel a ybuyi ngpr es ent s , Chr i s t masi t s el fappear st obear r i vi ngi ns hops ear l i er . Mor et hant hr eequar t er s( 78%) whoc el ebr at eChr i s t masbel i ev et hef es t i v es eas on s t ar t sear l i eri ns hopsev er yy ear , whi l eal mos tat hi r d( 32%) s a yChr i s t masof fic i al l ybegi nsf or t hembef or eDec ember , i nc l udi ngal mos tonei nt en( 8%) whos t ar tget t i ngi nt ot hef es t i v e s pi r i tbef or eNov ember . Anear l yf es t i v es t ar ti sal s or eflec t edi ns hoppi nghabi t s . Onei nfiv e( 20%) begi nChr i s t mas s hoppi ngi nl at eNov ember , whi l emor et hanonei nt en( 11%) ar eev enmor epr epar edby pi c ki nguppr es ent sal l y earr ound, wi t hwomenbei ng6per c ent agepoi nt smor el i k el yt han ment odos o( 14%vs8%) . Butwhet hers hopper ss t ar tmont hsi nadvanc eorl ea v ei tunt i l t hel as tmi nut e, t hefinanc i al pr es s ur eofChr i s t masappear spr eval ent . Mor et hanat hi r d( 36%) agr eet hatChr i s t mas s hoppi ngc aus est hemfinanc i al s t r es s , whi l e38%wor r yaboutt hefinanc i al c os ti nt hel eadup t oChr i s t mas . Thi smak ess ens easmor et hanat hi r d( 37%) al s os a yt heyfindi tdi f fic ul tt os t i c k t ot hei rChr i s t mass hoppi ngbudget . Mos tagr eet hes eef f ec t ss t r et c hbey ondChr i s t masDa y , wi t h49%s a yi ngt heywoul dr at her s pendl es songi f t st hanf eel financ i al l ys t r et c hedi nJ anuar y . Fac edwi t ht hes epr es s ur es , s a vvys hopper sar el ooki ngf ors mar twa yst ok eepc os t sdown wheni tc omest of es t i v es pendi ng. Di s c ountc odesandv ouc her sar ec ons i der edt hemos t i mpor t antmoneys a vi ngt ec hni quewhenbuyi ngChr i s t masgi f t s , dec or at i onsand nonper i s habl egoods , c i t edby68%ofChr i s t mass hopper s . Sal esandpr omot i onal per i odsar e ac l os er unnerup, wi t h67%oft hos enot i ngi tasak eywa yt os a v eont hei rChr i s t mass hop, whi l e60%c ons i ders t ac ki ngmul t i pl edeal s , di s c ount sorof f er si mpor t ant . Mor et hanhal f53%al s os a year ni ngc as hbac kont hei rpur c has esi sani mpor t antwa yt os a v e moneywhenChr i s t mass hoppi ng. Abi gai l Year l ey , di r ec t oratT opCas hbac k, s ays : " Wi t hChr i s t mass hoppe r swhos t ar te ar l y e s t i mat i ngt he ys av ene ar l y£100onav e r ag e , g e t t i ngahe adof t hef e s t i v er us hc oul dmak ear e al di f f e r e nc et ohous e hol dbudg e t s . " S t ar t i nge ar l yi s n ’ taboutbuy i ngmor e-i t ’ saboutas s e s s i ngwhati sr e al i s t i cf ory ourhous e hol d budg e t . I f y ou’ r ey e tt obe g i npl anni ng , fir s twor koutwhaty ouc anaf f or dt os pe ndt hi sy e ar . The n t r ac kpr i c e swhe r ey ouc anands t ac ks av i ng sbyc ombi ni ngpr omot i onal s al e s , di s c ountc ode sand c as hbac k . Al i t t l ef or war dpl anni ngt odayc anhe l ps pr e adands av ec os t sandr e duc ef e s t i v es t r e s s . Pl us , whatwedon ’ ts pe ndonc anbej us tasi mpor t antaswhatwedo. "

Ev e r y t hi ng Eq u e s t r i a n CAMP AI GN SPONSOREDBY

BHSAppr ov edL i v er yY ar d

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Pr eEmpl oymentBac kgr oundc hec ks ar enol ongerenoughaswor kf or c e t r us tr i s kses c al at e Empl oyer sar emovi ngawayf r om onl y us i ngpr eempl oymentbackgr oundchecks asf r aud, i dent i t yr i s ksandmor ecompl ex wor kf or cemodel spus hs cr eeni ngf ur t her acr os st heempl oyeel i f ecycl e. That ' saccor di ngt ot he2026Gl obal Wor kf or ce Tr endsRepor tf r om Fi r s tAdvant age. Thi st r endi sbei ngdr i venbyt hegr owi ng s cal eofr i s kf aci ngbus i nes s es . Thegl obal s t udyf oundt hat76%ofhi r i ngmanager s haveexper i encedf al s i fiedempl oymentdet ai l sdur i ngr ecr ui t ment , whi l e45%haveencount er edcandi dat ei dent i t ymi s r epr es ent at i on. Candi dat ever i ficat i oni s s ueshave al s obeenr epor t edbybet ween71 %and 88%ofempl oyer swor l dwi de, t ur ni ngt r us t f r om ani s ol at edr ecr ui t mentconcer ni nt oa wi derwor kf or cer i s k. Thefindi ngscomeatat i mewhenAIi sbecomi ngi ncr eas i ngl yembeddedacr os sr ecr ui t mentandonboar di ng. Ther epor t f oundt hat90%ofCHROshavei mpl ement eds omef or m ofAI wi t hi nt hei rr ecr ui t ment pr oces s es , whi l econcer nsar ounddocumentf or ger y, deepf akesandi dent i t yr el a edf r audcont i nuet or i s e. Thi ss hi f ti ss ett oaccel er at e. Al mos tni nei n 1 0empl oyer s( 89%)pl ant oi nt r oduceaddi t i onalbackgr ounds cr eeni ngandi dent i t y ver i ficat i ons ol ut i onswi t hi nt henextt wo year s , whi l e52%ofs ur veyedCHROsar eper i odi cal l yr es cr eeni ngand30%cont i nuous l y moni t or i ngempl oyeesaspar toft hei rwor k f or ces t r at egyandcons i der i ngexpandi ng bot h.

Toexpl or ewhatt hes et r endsmeani n pr act i ce, Fi r s tAdvant agehasl aunched KnowYourPeopl e, anew podcas ts er i es exami ni nghow hi r i ng, ver i ficat i onand wor kf or cet r us tar eevol vi ngi nani ncr eas i ngl ydi gi t alandAI enabl edwor l d. Comment i ngont hefindi ngs , Rol fBez emer , Ex ecut i veVi cePr es i dentandGener alManageratFi r s tAdvant age, s ai d: " Ther es ear chhi ghl i ght sas i gni ficants hi f t i nhow empl oyer st hi nkaboutt r us t . Candi dat emi s r epr es ent at i on, i ncr eas i ngl y compl exwor kf or cemodel sandwi des pr eadAIadopt i onar ecr eat i ngchal l engest hatmanyhi r i ngpr oces s eswer e s i mpl ynotdes i gnedt oaddr es s . “ What ' spar t i cul ar l yi nt er es t i ngi st hat t r us tconcer nsnow exi s tonbot hs i desof t hehi r i ngr el at i ons hi p. Empl oyer sar e concer nedabouthi r i ngt hewr ong per s on, whi l ecandi dat esar ei ncr eas i ngl y wor r i edaboutj obs cams , i dent i t yt hef t ands har i ngper s onali nf or mat i ononl i ne. “ Theconver s at i onst aki ngpl acet hr ough KnowYourPeopl er eflectwhatmanyempl oyer sar eexper i enci ngt oday. Ques t i onst hatwer eonceconfinedt obackgr ounds cr eeni ngt eamsar enow bei ng di s cus s edatboar dl evelbecaus et r us t , i dent i t yandr i s khavebecomebus i nes s i s s uesr at hert hanpur el yr ecr ui t ment i s s ues . ” Rel eas ef r om Bl ueS

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Weddi ngs

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Be yondMi c r oTr ends :CÈGLÈBr i ngsCl as s i c El eganc et oModer nWar dr obes CÈGLÈLaunchesI t sDebutCol l ect i on, Br i ngi ngEver ydayEl egancet o Moder nWar dr obes

s peci aloccas i ons . Wor ns epar at el y, t hebl az erbr i ngsr eﬁnement t odeni m, whi l et hes ki r tpai r seﬀor t l es s l ywi t hs i mpl ekni t wearor acr i s ps hi r t .

I naner adomi nat edbymi cr ot r ends andf as t f adi ngaes t het i cs , newl y l aunchedBr i t i s hwomens wearbr and CÈGLÈmakesadel i ber at es t at ement wi t hi t sdebutcol l ect i on: t r ues t yl e doesnots hout ; i tendur es .

WoolPi l l boxHat s Avai l abl ei nWhi t eandBl ack, t hes es t r uct ur edhat sdr aw on mi dcent ur ys t yl e, offer i ngadi s t i nct i vefini s hi ngt oucht obot h s peci aloccas i onl ooksandel egantever ydayout fit s . 1 8KGol dPl at edMonogr am Br ooch

FoundedbyVai daCegl e, CÈGLÈwas cr eat edt obr i ngcl as s i cs t yl eand ever ydayel egancei nt omoder n war dr obes . Bui l tont hebel i eft hat dr es s i ngbeaut i f ul l ys houl dneverbe r es er vedf orf or mali nvi t at i ons , t he br andoffer sr efined, ver s at i l epi eces t hatmovenat ur al l yf r om wor kdays andl uncheswi t hf r i endst oweddi ngs andeveni ngcel ebr at i ons . Des i gnedi nLondon, t hedebutcaps ul ebr i ngst oget hert ai l or ed daywear , occas i onwearanddi s t i nct i vefini s hi ngt ouches : Si gnat ur eBl ack&Whi t eTweedBl az erandSki r tSet Feat ur i ngs ubt l es equi ndet ai l i ngandcus t om monogr am l i ni ng, t hemat chi ngbl az erands ki r tcr eat eapol i s hedens embl ef or

Cr af t edf r om 1 8Kgol dpl at eds t ai nl es ss t eel , t hes i gnat ur eCÈGLÈ br oochaddsacons i der edaccentt obl az erl apel s , coat s , dr es s es andever ydaykni t wear . I t st i mel es sdes i gnal s omakesi ta t hought f ulgi f t . Comi ngSoon: The3i n1Conver t i bl eDr es s Thef or t hcomi ngconver t i bl edr es swi l lexpandt hecol l ect i onwi t h t hr eedi s t i nctwayst owearonegar ment , offer i ngver s at i l i t yf or di ffer entoccas i ons . “ CÈGLÈbeganwi t has i mpl ebel i ef : el egancei sadeci s i on, nota t r end, ”s aysf ounderVai daCegl e. “ I want edt ocr eat epi ecest hat womenwoul dr eachf orbeyondas i ngl eoccas i on—des i gnst hat hel pt hem f eelconfident , putt oget herandent i r el yt hems el ves . ” Thedebutcol l ect i oni savai l abl eatcegl e. co. uk.

Fami l yMat t er s

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Mor et hanhal fofUKpr of es s i onal sr epor t wor kpl ac ebur noutaswor kl oadpr es s ur esmount NewRober tHal fr es ear c hr ev eal sbur noutr emai nsas i gni fic ant c hal l engef orwor k er s , wi t ht heUKr anki ngamongt he wor s t af f ec t edc ount r i ess ur v ey ed. Keyfindi ngs : -55%ofUKpr of es s i onal sf eel bur ntoutatwor kaswor kl oads bec omehar dert omanage -TheUKfigur ei sabov et hei nt er nat i onal a v er ageof48%ac r os s ni nemar k et ss ur v ey ed -TheUKr ec or dedt hef our t hhi ghes tr at eofhi ghbur nout , behi ndCanada, t heUni t edSt at esandBr az i l AheadofWor l dMent al Heal t hDa yon10t hOc t ober , new r es ear c hf r omt al ents ol ut i onsandbus i nes sc ons ul t i ngfir m Rober tHal fr ev eal st hatwor kpl ac ebur noutr emai nsa s i gni fic anti s s uef ormanyUKpr of es s i onal s . Thes t udyf oundt hat55%ofwor k er sf eel bur ntoutatwor k, pl ac i ngt heUKabov et he48%a v er ageac r os st heni nemar k et s s ur v ey ed. Whenas k edwhatwasdr i vi ngt hei rbur nout , 54%ofwor k er s c i t edahea vi erwor kl oadduet ounder s t af fing, whi l e39% r epor t edl owert eammor al eaf t err es t r uc t ur i ngorl abour r educ t i ons . Af ur t her39%r epor t edf eel i ngs t uc ki nt hei rc ar eer . UKamongt hemos taf f ec t edmar ket ss ur veyed Ac c or di ngt ot hedat a, t heUKr ec or dedt hef our t hhi ghes tl ev el ofr epor t edbur noutamongt hec ount r i esi nc l udedi nt he r es ear c h, behi ndCanada( 62%) , t heUni t edSt at es( 59%) and Br az i l ( 59%) . Thefindi ngshi ghl i ghtt hee xt entt owhi c hs us t ai nedwor kpl ac e pr es s ur esc ont i nuet oaf f ec templ oy ees . Whi l ebur noutl ev el s var yi nt er nat i onal l y , t her es ear c hs ugges t st hatas i gni fic ant pr opor t i onoft heUKwor kf or c ei se xper i enc i nghi ghl ev el sof s t r ai natwor k. Mat tWes t on, Seni orManagi ngDi r ec t or , UK&I r el andatRober t Hal f , c omment ed: “ Bur nouti sc l ear l ynol ongerani s s ueaf f ec t i ngas mal l gr oupof empl oy ees . Whenmor et hanhal fofpr of es s i onal ss a yt hey’ r e e xper i enc i ngi t , empl oy er sr ec ogni s ei tasawor kf or c ei s s uewi t h i mpl i c at i onsf orpr oduc t i vi t y , r et ent i onandl ongt er mbus i nes s per f or manc e. " Empl oy er sneedt or ec ogni s et hataddr es s i ngbur nouti s n' t s i mpl yaboutof f er i ngs uppor twhenpeopl er eac hac r i s i spoi nt , butt aki ngapr oac t i v eappr oac h. Cr eat i ngenvi r onment swher e wor kl oadsar emanageabl e, c ar eerdev el opmentr emai nsvi s i bl e, andempl oy eesf eel equi ppedt oper f or matt hei rbes tov ert he l ongt er mr equi r esr egul ar l yas s es s i ngr es our c es , e xpec t at i ons andc ul t ur e, andadj us t i ngwhenneeded.

" Wor l dMent al Heal t hDa ypr ovi desanoppor t uni t yt or eflec ton whet hert hos ef oundat i onsar ei npl ac e, bec aus eaddr es s i ng bur noutr equi r esmor et hanwel l bei ngi ni t i at i v esal one. Bus i nes s esal s oneedt oc ons i derhowwor ki ss t r uc t ur ed, whet hert eamsha v es uf fic i ents uppor tandr es our c es , andhow empl oy eesc ans us t ai nabl ymanagei nc r eas i ngdemands . " I nt er nat i onal c ompar i s ons Per c ent ageofpr of es s i onal swhof eel bur ntoutatwor k -Canada: 62% -Uni t edSt at es : 59% -Br az i l : 59% -Uni t edKi ngdom: 55% -Net her l ands : 45% -Ger many: 43% -Bel gi um: 42% -Swi t z er l and: 38% -Fr anc e: 32% Whatempl oyer sc ando Cons i der i ngt hefindi ngs , Rober tHal fr ec ommendst hat empl oy er s : -Regul ar l yas s es swhet herwor kf or c ec apac i t yal i gnswi t h bus i nes sdemands -Hel pempl oy eespr i or i t i s ewor kl oadsands etr eal i s t i c e xpec t at i ons -Mai nt ai nongoi ngc onv er s at i onsar oundwor kl oad, wel l bei ng andc ar eerdev el opment -Ens ur emanager sar eequi ppedt oi dent i f yandaddr es ss i gnsof empl oy eebur nout -Pr ovi deaddi t i onal s uppor tdur i ngper i odsofor gani s at i onal c hange -Cons i derper manentandpr oj ec t bas eds t af fings ol ut i onst o s uppor tt eamsdur i ngper i odsofi nc r eas eddemand Re l e as ef r omBl ue S k yPR

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Be yondt hepur c has epr i c e:ne wpr oper t ybooke xami nes whatmakesani nv es t mentwor k Publ i s hedon30Oct ober , TheFi nanz eFr amewor k dr awsonf ounderAl as t ai rHoyne’ sbanki ngandpr oper t yfinanceexper i encet oconnects t r at egy, f undi ng andex ecut i on PRESTON, UK, 5Oct ober2026— Fundi ngapr oper t y pur chas edoesnotneces s ar i l yf undt hepr oj ect , and r el eas i ngmoneyt hr oughr efinanci ngi snott hes ame asmaki ngapr ofit . Thes edi s t i nct i onsunder pi nTheFi nanz eFr amewor k: Pr oper t ySt r at egy&Fi nanceSucces s , anew bookbyAl as t ai rHoyne, FounderandCEO ofFi nanz eGr oup, publ i s hedi npaper backandKi ndl e edi t i onson30Oct ober2026. Thebookexami nest hegapbet weenr ecogni s i ngan at t r act i vepr oper t yanddel i ver i ngas oundi nves t ment . I t scent r alar gumenti st hatt hepr oper t y, f undi ng, cos t s , r i s ksandi nt endedexi tmus tbeas s es s ed t oget her . Apr omi s i ngpur chas epr i ceorval uat i ont el l s onl ypar toft hes t or y. Hoynebeganwr i t i ngi n2023af t erconver s at i onswi t h i nves t or swhounder s t oodt heappealofas t r at egy buts t i l ll ackedes s ent i alans wer sabouti t sex ecut i on. Howwoul dt hepur chas ebef unded?Whenwoul d moneyf orbui l di ngwor kar r i ve?How muchwoul da mor t gageact ual l yr el eas eatt heend? Thebookaddr es s est hos eques t i onst hr oughexpl anat i onsandwor kedexampl est hatf ol l ow t r ans act i ons f r om acqui s i t i ont hr oughi mpr ovementandowner s hi p t os al eorr efinanci ng. I ti swr i t t enf orpeopl econs i der i ngt hei rfir s ti nves t mentaswel lasexper i encedi nves t or sexami ni ngadi ffer ents t r at egyorr eas s es s i ng anexi s t i ngpor t f ol i o. Oneexampl eexpl or esapur chas ewhos epr i cei sf ul l y financedbutwhi chs t i l lr equi r est hei nves t ort opay t ax, l egal , val uat i onandhol di ngcos t s . Thedi s t i nct i on mat t er s : r educi ngt hecas hcont r i but i ont owar dsa pur chas ecanpr es er vecapi t al , buti tdoesnotel i mi nat et heneedf ormoneyel s ewher ei nt het r ans act i on. Anot hercompar ess el l i ngani nves t mentwi t hr efinanci ngandkeepi ngi t . Thecal cul at i onss epar at e cas hr et ur ned, equi t yr et ai ned, debtout s t andi ngand cont i nui ngi ncome. Recover i ngt heor i gi nalcont r i but i ont hr oughanew mor t gagedoesnotmeant hei nves t orhasr eal i s edas al epr ofitwhi l eal s okeepi ngt he pr oper t y. Thebookal s oexami neswhyapr oj ectcans how a pr ofitonpaperands t i l lr uns hor tofcas h. Acont r act or mayr equi r epaymentbef or eal enderr el eas esf unds . Thei nves t ort her ef or eneedst ounder s t andwhen moneybecomesavai l abl e, aswel laswhet hert he over al lbudgetaddsup.

Hoynes ai d: “ The mos tr eveal i ng ques t i oni sof t en whathappens bet weenbuyi ngt he pr oper t yandget t i ng yourmoneyback. Thati swher et he wor k, t hecos t sand t hebor r owi nghave t ofitt oget her . An at t r act i veval uat i on doesnotpayan i nvoi ce, anda pr opos edr efinance doesnotr epaya l oan. ” Hi sper s pect i ve dr awsona backgr oundi ni nves t mentbanki ng, gl obalmar ket s , i nves t mentmanagementandent r epr eneur s hi p. I ni ns t i t ut i onalbanki ng, hi swor ki nvol vedconnect i ngcapabi l i t i esacr os sabankar oundt hewi derneedsofcl i ent s , i ncl udi nghedgef undsandas s etmanager s . He br oughtt hatappr oacht opr oper t yfinance, exami ni ng t hei nt endedt r ans act i onbef or es el ect i ngordevel op i ngt hef undi ngs t r uct ur e. Thr oughFi nanz eGr oup, hi swor kconnect ss peci al i s t pr oper t yl endi ng, br oker ageands t r at egycons ul t i ng, under t akent hr oughbus i nes s eswi t hdi s t i nctr ol es . Thatexper i encei nf or mst hebook’ sat t ent i ont ot her el at i ons hi pbet weenani nves t menti dea, t heevi dencea l enderr equi r esandt hepr act i cals t epsneededt odel i veri t . Hoyneadded: “ Is t ar t edwr i t i ngbecaus ei nves t or s wer eas ki ngs ens i bl eques t i onsandt ooof t enr ecei vi ngonl ypar toft heans wer . I want eds omeonecons i der i ngt hei rfir s tpur chas e, ort hei rnextpr oj ect , t ounder s t andhow t hepi ecesconnect . I ft hebookhel ps t hem r ecogni s eawor t hwhi l eoppor t uni t y, t es ti tpr oper l yandchangecour s ewhent heevi dencedemands i t , i thasdonei t sj ob. ” TheFi nanz eFr amewor k: Pr oper t ySt r at egy&Fi nance Succes swi l lbeavai l abl ef r om 30Oct ober2026, pr i ced atGBP24. 99i npaper backandGBP9. 99f orKi ndl e. Fur t heri nf or mat i oni savai l abl eatal as t ai r hoyne. com. Rel eas ef r om Fi nanz eSt r at e

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