Dan Hill is a multiple award winning, fast growth entrepreneur who specialises in investment, strategy, mergers and acquisitions. He is the founder and managing director of PPN UK one of the UK’s leading property groups, achieving 100%+ growth year on year from 2011 to date, making PPN UK in the top 2% of fast growth companies in the UK. Dan returns as a guest on the WealthTalk podcast to speak about his brand new book Karma Credits: The universal law of wealth, health and happiness and discusses how he believes life and business can be significantly easier if you follow his secret to success, the blueprint that he has spent the last 20 years building, collecting karma credits. The way you behave on a daily basis, positively or negatively impacts everyone around you, whether you realise it or not. Tune in to hear Dan explain what karma credits are and how by just looking out for opportunities to help people without expecting anything in return, your life will become more enjoyable, more connected and in the long run, if you follow Dan’s principles authentically he believes you will see financial and business benefits too.
Dan Hill is a multiple award winning, fast growth entrepreneur who specialises in investment, strategy, mergers and acquisitions. He is the founder and managing director of PPN UK one of the UK’s leading property groups, achieving 100%+ growth year on year from 2011 to date, making PPN UK in the top 2% of fast growth companies in the UK.
Dan returns as a guest on the WealthTalk podcast to speak about his brand new book Karma Credits: The universal law of wealth, health and happiness and discusses how he believes life and business can be significantly easier if you follow his secret to success, the blueprint that he has spent the last 20 years building, collecting karma credits.
The way you behave on a daily basis, positively or negatively impacts everyone around you, whether you realise it or not.
Tune in to hear Dan explain what karma credits are and how by just looking out for opportunities to help people without expecting anything in return, your life will become more enjoyable, more connected and in the long run, if you follow Dan’s principles authentically he believes you will see business and financial benefits too.
Resources Mentioned In This Episode:
>> Karma Credits: The universal law of wealth, health and happiness [Amazon]
>> WT155: Retire Young, Retire Wealthy w/ Daniel Hill
>> Join the WealthBuilders Academy
>> REGISTER HERE FOR FREE RESOURCES ACCESS
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Unknown Speaker 0:01
The purpose of wealth talk is to educate, inform, and hopefully entertain you on the subject of building your wealth. Wealth builders recommends you should always take independent financial tax or legal advice before making any decisions around your finances.
Christian Rodwell 0:19
Welcome to Episode 172 of wealth talk. My name is Christian Rodwell, the membership director for wealth builders. And I'm joined today by our founder, Mr. Kevin Whelan. Hello, Kevin.
Unknown Speaker 0:28
Chris, good to be with you again today.
Christian Rodwell 0:31
Yes, and we're covering something slightly different today. So something close to my heart, and personal development. And we've got Dan Hill, the property entrepreneur back with us again for his second appearance on wealth talk. So we're going to be talking about the concept of Karma credits, which is the title of his new book. Hmm,
Unknown Speaker 0:51
very interesting. And I love the fact that the whole idea of just doing good things, and good things come back round almost like the difference between resonance and dissonance. Yeah, I've explained that to you before, Chris. Yes, yeah. So do we ever cover that on the podcast? So resonance is kind of like where two waves come together. And there's more, there's more value. There's more power and dissonance when two things come together, and there's negativity. Now we're in a world which is kind of troubled now. We're seeing people you know, there's disgruntlement isn't there all across the employed world, certainly, from our point of view of strikes and actions, and so on. One could argue in troubled times people could be negative. Although in the pandemic, there was lots of evidence of people kind of supporting each other. We'd like the spirit of the Blitz, I suppose. And why I was impressed with with Dan's new book was just it made me think, you know, when, in often when you're taking a lead in a community, you're looking for ideas, which are really all about finance, I suppose. So you know, I tend to focus on that. But this is an idea that just hit me. And it was almost like a little punch in the face, again, to remind me, that values driven is just as important as value driven, sharing, and not just exploring, but living, real values to help other people in the spirit of knowing that it's just good to do that, as opposed to try and capturing some kind of financial value from that. And that's why I thought it was, it would be a really good idea to feature that. Because it's a value both you and I uphold very dearly, but even I mean, both of us had a little bit of a realisation, didn't we, when we were put into practice, maybe we can share a couple of those at the end.
Christian Rodwell 2:49
Yeah, yeah, let's do that. I think there's no better man to explain the concept than Dan himself. So let's head over to our conversation today with Daniel Hill. Dan, welcome back to wealth talk today. How are you? Oh, good.
Unknown Speaker 3:02
Oh, goodness. See, again, Christian.
Christian Rodwell 3:04
Absolutely. Well, we we first invited you to wealth talk earlier this year was episode 155, actually, and we're talking about retire young, retire wealthy. And that was a very, very popular episode. And anyone listening now who hasn't checked it out? I'm going to link to it in the show notes. And definitely do check it out. But you've been a busy man, Dan, as always, but writing of new book.
Unknown Speaker 3:25
Yeah. So Carl credits. Now we got to number one, Amazon bestseller in all three categories, which was just amazing. And the initial reception has been really positive.
Christian Rodwell 3:38
Yeah, yeah. It's fantastic. And you did a podcast episode, recently talking about the concept of Karma credits. And that's what we're gonna dive into today. Right. And, you know, the title of your book, The subtitle, the universal law of wealth, health and happiness. And I think that's a good message today, you know, so wealth is so much more than just the money, isn't it?
Unknown Speaker 3:59
Yeah. So people have been badgering me for about nearly 10 years now nine years to try to write a book trying to get me to write a book. And I think they're expecting one on economics investment, wealth, and I actually wrote was what I think is my secret to success, which is a lot more than the sort of fundamentals of ones and zeros and it's more about the underlying principles to get you there. You know, life can be at life and business can be significantly easier if you do a certain few key things. And what I did was I blueprinted, what I've spent the last 20 years building was only 12,000 words, you can read it in like two hours. By genuinely it will genuinely change your life. If you read it and put it into place. It will change the world around you will change your life. And it will just made business so much easier. And enjoyable.
Christian Rodwell 4:51
Yeah. And how is this different to let's say, a typical kind of self help personal development book?
Unknown Speaker 4:58
It's probably about halfway Between, like practical, academic sort of, like law of reciprocity, playing the long game, which requires sort of strategic personal development binary things is halfway between that and then sort of spirituality. So people are into philosophy spirituality, the more like woowoo stuff, which I'm quite into, it sort of flows nicely between the two without being too preachy. And it's just real practical things that you can literally read a chapter, leave the house, go to the shop, do it, and you'll physically feel and see the results. And then in days, weeks or months to come, get the return. But it's not how to negotiate it's not how to hoodwink people, is how to play the long game, how to be a good person how to do nice things. And in my experience, at least, it comes back tenfold.
Christian Rodwell 5:51
Yeah, I love the way you always talk about predictability in business and property. And there's a blueprint, we talked about that on the last episode. And this is really the blueprint for, as you say, being a good person. And those random acts of kindness, which always come back to you
Unknown Speaker 6:06
100%, I talk about this as my carbon credits in my life, and the idea of carbon credits. We'll talk about that in a minute. But this really is my insurance policy, like over the last 20 years, I've done deals that I thought would never come off. I've had returns successes awards, I never thought I'd get and I'd stand there achieving something that I never thought would happen. And I genuinely believe the reason that it happens is because of my karma credits. Not you know, I think I think sometimes, success and failure are very predictable. And sometimes I think theirs is outside of our control. Although I think life is far more in our control, and far more outside of our control than we appreciate. I think people who have consistently bad experiences, bad relationships, bad transactions, I suspect that's quite predictable. And equally, those people who tend to always come out smelling the roses, things tend to work out okay, in the end, and they just tend to genuinely be better looked after by society, relationships, the universe, I do think there's a degree of reap what you sow in there.
Christian Rodwell 7:18
Yeah, yeah. So this is really about just kind of creating good habits, I suppose. So it almost becomes natural, right? It's just becomes part of your makeup.
Unknown Speaker 7:27
Initially, it and I've talked about this in the book, initially, it will be awkward, like, you'll have to fall in the same as any personal development, whether it's negotiating, pushing yourself out your comfort zone, initially, it will be really difficult if we're really awkward, and it'll feel really uncomfortable. But when you start to do it, and you see the results, and you get the positive, like return from it, you do get to a point over days, weeks or months, where it becomes addictive, and you literally calm walk past somebody who's dropped an oil, and you can't not let people out in traffic. Because like the whole concept of Karma credits is you have a balance, everybody has a balance, which is either positive or every day either goes up or it goes down if you do something good. So for example, today, I was at a toy shop with my nephew, and somebody in front of me dropped a toy. So I picked it up and gave it to them. There was an old lady who was clearly like, not have the best ability, so a bit disabled. And she she had a she was buying this jigsaw and she was sort of counting her money and looking at it really excited. And it just sort of started chatting to her about jigsaws. And you could tell that it like made her day. Those things are like addictive to me, and I can't help but do it and you know that they're generating positive karma credits. And you don't do it for the credits. You do it because it makes you feel good, and it makes them feel good and it puts positive vibes out. And this gives you positive credits where we say, when you get a positive credit, you want to make a noise, like cha ching. So like walk around in your day to day, do something nice, let someone out in traffic, pay for someone's coffee, pick something up that somebody's dropped, and that's a chi Ching that's a positive karma credit. If you shaft somebody or don't pay for your tent, you carry a bag, Sainsbury's, or like these little bad things that nobody will ever catch you for their like air. And that's you lose in a Karma credit. And if every day you can end the day with a positive balance, the accumulation and compound effects over that over days, weeks, months, a lifetime. I genuinely believe that's why, how I've got to where I am, because I've invested in positive relationships rather than trying to screw everyone and get the most out of every transaction. Really?
Christian Rodwell 9:37
Yeah, yeah. So you've already given us a few examples. They're just really just looking out for opportunities just to help without looking for anything in return. You know, where do you begin in the book, let's look at some other things that you think are really important that you know can can add those credits up.
Unknown Speaker 9:52
So first thing is like the model we use in the book is called the Energy blueprint and like to go through Do that briefly. You can read it in the front couple of pages, if you buy the Kindle version or you know, get the delivered delivered one, it'd be wherever you like next day, first chapter is all about explaining what karma is. And for people who aren't aware of it, in western world, it's, we know of karma is and if you do good, you can do good if you do bad you do bad in the Buddhist world, or the more spiritual world is all about energy and connection. And it's just this logic that every action has a reaction. So if you do good things, you get good things if you do bad things you get about bad things. Second Chapter, the n in energy is about being noble. And it's just really about looking at the people that you really aspire to be like, and looking at, who turned you on, and they, you know, they inspire you. And then also looking at the people who really turn you off. And just define and what qualities you want to live your life by. And this is about integrity, like or about authenticity is, who do you want to be and who's your project be in, and then try and live in line with that, as best you can. Experience is all about trying to positively is appreciating that the way you behave and the way that you feel on a daily basis, positively or negatively impacts everyone around you. So everyone around you, you are part of their experience of the day. And if you can go out and do nice things be pleasant compliment people at service station where you know, if you go to a service though, he says massage chairs, for example, they're like a quid for a massage, I'll often like get a pound, write a little note and say, I have a massage on me and like leave a quid there and disappear. And they're just random acts of kindness. Nobody will know who it was from, you might not even see the person benefit. But there's just little things to improve the experience. The art, step four is all about recognising people. And this is the concepts that once a year you can do a grandiose gesture for someone like buy them a Rolex buy them a car, you know, you can do this grand thing at Christmas for your missus what or your husband, whatever you want, is more important that the sentiment is more important than the size. So actually, rather than give some, some people would appreciate a handwritten thank you no more than they would 100 pound or 1000 pound bonus. And it's just taking time to recognise people, whether that's your team, your partner, or even at the supermarket, rather than play on your phone when you're at the checkout. Appreciate that person is sitting there for eight hours a day, 40 hours a week for 1015 2030 years. Rather than just be ignorant and rude. Just say hello, ask them how their day is going. They'll remember be someone worth remembering. And yeah, just recognise people in your day to day life, say hello to strangers and have that sort of positive energy. The penultimate one is g which is guilt. So step five is all about nobody's perfect. You know, the only reason I've got to a point where I believe I'm or I am proud of who I am, is because I've had times in my life where I've not been proud of who I am. And this is about guilt. And what we're talking about here is don't leave crumbs. So basically, when you make take pride in apology, when you get something wrong, take pride in it, apologise, go out of your way to make it right, do good things. And equally, you've got most people have got crumbs in their life. So you left a crumb last month, last year, a decade ago, where you did somebody wrong, and you never made up for it. Now, if you leave crumbs, eventually they're going to catch up, catch up with you. And you will go away and clear all those crumbs. And when you drop them, get rid of them. And then finally is your life is how do you go about your day to day life, living living this stuff. And I've been working on it for 20 years, and actually writing the book took me to a whole nother level because it reminded me all the stuff that I've got to do. And in the back of it, I do a day of a day of the life of karma credits. And it was a day of just when I was writing the book. And it was just a really good day where loads of things happened, that would never happen in a normal day. If you didn't practice it. And and it's just it just shows that in practice, like you said, I think you said Kevin, listen to the podcast and went out and started practising it. All of a sudden these things happen and turn up in your life that never would have done before. Your life's more enjoyable, it's more pleasant, it's more connected. And it does turn into ultimately financial business benefits if you if you authentically and genuinely practice it.
Christian Rodwell 14:28
Yeah, yeah, I'm sure Kevin will share his experiences with our listeners. But I imagined as well. I mean, a good habit I got into a long time ago is always just to take some time at the end of the day, and just reflect and just write a few notes and just say, you know, what would I have done differently today? Or what was what a really great idea that I had today that I don't want to let slip away. And I imagine if you're constantly building up these good karma credits, and you can lie in bed at night and you can just kind of reflect for a few seconds and just saying you know what, that just makes me feel really good before going to sleep and that jury's going to help as well.
Unknown Speaker 15:01
Yeah, absolutely any, any practices you do around that. So obviously like reflections, gratitude things I did well, things I didn't do. My partner and well on property entrepreneur, we actually teach them it's not in the book, we call it grace of gratitude. And it might be something you do if you've got a partner, or you've got kids you do before dinner. So you'd have to be religious or spiritual, but grace or gratitude is you just go around the table, and you just say one thing you're grateful for. So before you eat your dinner, you say, you know, what are we grateful for today? And it's a good opportunity for everyone to do it. My partner and I, we actually do it in bed. So the last thing we do we get into bed, we just sort of like say to each other, what are we grateful for today, we reflect on the things that happened, well, that we were happy for. And you know, not all days are sunshine and rainbows. But if you go to sleep on a positive vibe, life's got to be, you know, a little bit more enjoyable.
Christian Rodwell 15:49
Yeah, definitely. And also, as a business owner, right, there must be so many opportunities. And you're looking at how can you help your team? How can you help your customers? How can you just do small things that really make a big difference.
Unknown Speaker 16:00
And that is that that is the sentiment, I've actually got a card that somebody bought me. And it's it says, behind me, I've got like one shelf of awards. Everything else is thank you cards. And then what really mattered to me is like people who say thank you, he would have gone out of their way to sort of congratulate me or most of them just say thank you. But one of them says the smallest thing is the smallest things that make the biggest difference. And that's one of the things in the book is just stopping and we call them one minute moments stopping and taking one minute to be send someone a message say thank you being nice. appreciate them is worth is weighing gold.
Christian Rodwell 16:39
Yeah. Now, something we talked about, actually, in the last podcast, Dan, and certainly an exercise we, you know, share with all of our members when they join us at wealth builders is wealth dynamics. And this is really getting to know yourself, right? And there's four main energies you've got the dynamo, the blaze, the tempo and the steel. So I'm curious, is it any easier for people who have, let's say, a very Blasi nature, they love talking to people, it comes very natural to them, compared to someone who's a bit more steely, you know, a bit more reserved? Do you can you see any difference or relationships between the karma credits and wealth dynamics?
Unknown Speaker 17:15
It's really, really good question. I've never been asked it. And I've never thought about it. But there will be. I mean, the first thing is learning styles. When you look at the energies, everyone has different learning styles. So for example, when they read it, so for example, a dynamo I think you are creating your sports, right? You're ablaze. I'm a deal maker. So yeah, tempo blades. And so for example, dynamos are visionaries, whereas blazes are auditory tempos, maybe might be a bit closer to it, because they're kinesthetic, you know, you'll feel it and you'll, you'll be a bit more sensory to it. Whereas ablaze might do it more, not necessarily, practically, but they'll practice it, but may not be as connected. They can be quite million miles an hour and a little bit less sensory. And then obviously, Steel's will be very analytical. They may or may not appreciate the connected, softer side of things immediately. And it's really, really good question. I'd have to consider a more comprehensive answer.
Christian Rodwell 18:18
Include the update in the next edition of the book.
Unknown Speaker 18:22
Yeah. Laughter Yeah. I'm actually going to have it about hoping to partner with a child author, and have it republished for kids. Yeah, because a lot of people who read this have shared it with their children and their children are walking around school going searching as
Christian Rodwell 18:37
well. That's, that's amazing. Yeah. I mean, we're, yeah, we're very close to release in the wealth builders for families programme, which we've been developing this year. And, you know, I think we should definitely talk further about about that, because that'd be amazing to, to introduce that as well.
Unknown Speaker 18:52
Yeah, any opportunity to get into more hands. Like, it's not a commercial. Again, like everyone wanted me to write a book about making money. And I was like, this is sort of more important than that. And yeah, I'm not isn't there's no commercial interest in it for me, I just want more people to read it, practice it, and I genuinely, I'll pay I'll pay you back 10 times what you paid for the book, if you practice that, and it doesn't fundamentally change your day to day life? Because I guarantee it. Well,
Christian Rodwell 19:19
well, let's talk about a couple of examples as well, obviously, you know, this has proven in your life, Dan, you know, you've been practising it for many years and seen the results. But, you know, what are a couple of key examples of other people that really stand out to you who have seen the benefit of this.
Unknown Speaker 19:35
Most of the entrepreneurs that I train or mentors, I suppose there's like the, there's the benefit of how it makes you feel, and how you live your life. And then there's the actual financial remunerations and actually getting a tangible return. So in the book we talk about, you need to do it without the expectation of return so that the Law of Reciprocity is the logic that you will get a return And for doing something for somebody, if you look at the other side first as to how it makes you feel, when we look at the more intangible life skills around sort of like stoicism and Taoism, and lots verging on spirituality, a lot of it about is about being quite passive. So in business is very easy unless you're well developed, which most people aren't to get emotional, stressed, take things personally. And people take those emotional and personal traits and bring them into the office. And that's not good practice. For any high performer. Actually, the best that you can do is to be more stoic and the benefit is you'll be less reactive and less hot headed. If you're and this is that will be a lot for blazers. In fact, it will be a lot for everyone. tempos tend to be a lot more sort of in the moment passive but blazes Dynamo steels can always be a little bit difficult. tempos at the tempos are notoriously like, they're not. They're rare. So you're like, very rare. They're rare. They're like, the nicest people you've ever met. Everybody loves them, because they just roll with it. You know, they just call they just go with that.
Christian Rodwell 21:14
Never controversial. Yeah,
Unknown Speaker 21:16
they just, they're just not interested, you know. So you know, they're just that go along for the ride, which is amazing. Obviously, it has its shortcomings, you know, same as any profile. But when you can have more of that in your life, it can feel good. So most of the people that do well on property entrepreneur, or people who adapt that adopt that lifestyle, and we can become less, take things less personally appreciate businesses business is ones and zeros is logic is first principles. It's not emotion. Ego, you know is that that's that's the benefits they see there. Those who actually put it into practice and then get things back, I would say I mean, the exam, one of the exams or using the book is one of our old board members who went to the supermarket. This is probably like, one we think that's just doesn't, that's crazy. It could never happen. But it's it's very standard will happen. So he went to the supermarket Sunday afternoon, everyone's waiting to close up. This guy's in the queue hasn't forgotten his wallet. It's got 200 quids worth of shopping. And my friends, my boat board and the previous board member of ours was standing behind them could see the guy getting embarrassed getting flustered could feel everyone around him getting irritable. And he just said, let me let me pick it up. Let me pay for your shop and I gave him a number you can pay me back later. And don't worry about it. And the guy sort of refused a little bit anyway, he paid for the guy who's shopping, exchange details. And then literally the next day, the guy rang up and said, you know, just want to get your bank details transfer the money. You said not only that app, is that I looked you up on Facebook, because I couldn't believe what you've done for me. That's not normal. I see you're in property. Me and my partner, we're looking at getting into property, we've got this money to invest. Could we pay you for some mentoring to be our mentor? He never paid for the shopping looking for a mentoring client, but 12 hours later, you know, is the sort of things and that's what you can expect from doing it. It will seem bonkers. You won't believe it happens. But I guarantee you it's I think Kevin again, Kevin the first person Kevin did it to help someone with their dog or drop something. And then it turned out they were a property investor or had money in a pension they wanted to invest. It's yeah, it's it's crazy. But also it's very predictable.
Christian Rodwell 23:33
Yeah. So challenge to everyone listening is just go out and take that first step, just do something right. Just be nice. Just smile, just ask someone how their day is going right?
Unknown Speaker 23:43
100% Strangers down the street is just smile at them. Say hello. Ask them how their day is going. Again, initially, it'll seem weird. But the hallmark of completing this is when you get to a point where you walk down the street. And people strangers say hello to you before you've even said hello to them. And that's what happens to me. And it's like you like the celebrity that that nobody knows. Everybody feels like they know you. They want to say hello to you. And it might be because you've said hello to him before. But for me now it's just because I walk around smiling at people. And because I smile at them. They think I know them then they say hello. Because they feel sort of like they know me, but I've never met them before. And it's like that is the ultimate getting to a point where you walk around with this aura and this energy and this connection that you appreciate the lot the world around you is highly malleable. And you genuinely have far more, right? Most people walk around scarcity and fear. You want to walk around in abundance, openness and love and business deals, making your millions is significantly easier. And it significantly becomes less important. And you actually end up doing better at it. So it's like It's bonkers.
Christian Rodwell 24:51
Yeah, now I'm really pleased that we've taken some time to talk about this today, Dan and you know, it's a little bit left the Centre for what we normally talk about which is you know, Have a business property. But it's so important because at the end of the day, we're all human beings, right? We're all here to be happy at the end of the day. And the money is really just a facilitator to have more time to have more choice and, and just yet be nicer, you know, better human beings.
Unknown Speaker 25:14
And for anyone who's sitting there thinking, you know, I tuned in to wealth, talk to here to figure out how to make millions, that this is the secret to it. I've made my millions I've done the deals, I know how all that works. And I would genuinely say if you follow these principles, you will not only achieve all that stuff, but it will be far more enjoyable, far less stressful. And I genuinely believe you'll get there a lot quicker.
Christian Rodwell 25:38
Yeah. So karma credits, go and grab your copy. Now it's out there on Amazon, just search for it online. But before I let you go down, I'm just gonna rinse your brain for a little bit of thoughts just on where we're at, obviously, economic climate at the moment, recession looming boom or bust. What are your top three tips for people who are just starting to freak out a little bit and just a little bit unsure about their wealth building journey over the next few years.
Unknown Speaker 26:02
So it sounds when you listen to this or the minute things are changing by the day. So it's the 27th of October, we're recording this really soon acts just been announced as prime minister. The good thing is immediately that stabilise the markets. So we've gone from panic into patients, everyone's a bit more patient, now everything's starting to stabilise. Ideally, we would have had the next budget next week is now been pushed back to middle of November, which isn't ideal, because we've got another rate review, in the interim, I think the stability is going to see a more modest raise than we might have seen. If we get away with half a percent rise this time on base rate, I think we'll do well. And then what I think we'll do is we'll have the budget, we have Rishi Sunak, and the new Chancellor, I think it will be a short term, quite aggressive budget. So lots of cuts, probably some more stealth taxes and just sort of really balancing the books in the very immediate and short term. But then the medium term will be cut in taxes and moving into the growth plan, which is what they'll need to win the next election and deliver on the 2019 level up then manifesto. The only the other that's the sort of macro level. And micro level, the only real thing we need to see for on mainly in property. The main thing we need to see in the short term is some controls or government intervention with the mortgage market. So the mortgage market at the minute is just just unviable it's going to it can't stay where it is. So the government needs to either give confidence to the lenders to bring those rates back down, or they need to intervene with some cheap lending agreement to pull that down. And that will stabilise the sort of the property market. For other other fields, which aren't my expertise, which are more in line with yours will be. If you think worst case, scenario, rate rates do go up, the good thing is we just take our cash and we pay off them, we put it in savings accounts as an investor you can't lose. If interest rates are high, it means there's loads of opportunities to save. If interest rates are low, there's loads of opportunities to spend. It's just understanding what to do. So top three tips would be one is don't try and shoot a moving target. So the minute you in a moving target, taking out big development loans, getting on bridging finance, stuff like that, at the minute I wouldn't be doing I'd be sitting tight and wait until that moves. Second thing would be I would be looking at a short, medium and long term plan. So looking at what you're going to do in this turbulent time, ideally make do some deals make some money, medium and long term, what are your asset strategies. So you understand how you're going to play it for the long term. And then final one would probably be find a few sources of information that you really trust. So like a few places that you go to they're not normally that I wouldn't normally go to the big sort of news news houses more like you guys for your podcasts, ask for, like property entrepreneur for business and property, find people that are rate that are doing this, you know, on a daily basis. So he's over the mortgage mortgage markets, completely unviable at the minute. So I'm buying stuff cash. So I'm using my own cash to reduce liquidity. And I'm using crowdfunding rather than use mortgages. Now I shared that the day after rates spiked with our clients, and they're now doing the same. If it's written in YPN, or this course is doing it. You know, you may not you want to be correct, you really want to be close to the news at the minute. So final bid would be find out who's in your space and actually doing it and just listen to a few trusted sources rather than read everything because your brain will get blown if you read everything. It all contradicts itself.
Christian Rodwell 29:55
Yeah, no great words there. As always. Thank you, Dan. And of course go and check out and download and subscribe to Dan's podcast official official property entrepreneur podcast. absolutely excellent. Not just covering business, but all the things like karma credits we've been talking today. So then thanks so much, again for being a great guest on wealth talk, and we look forward to the next time I have you on the show.
Unknown Speaker 30:17
Thank you for having me again, Christian, I wish you all the best.
Christian Rodwell 30:22
All right, that was lots of fun. And we're both going to share our experiences of the karma credits, Kevin. But before we do that, let's head over to Trustpilot. And we've had some good karma this week. We've had some good, good reviews coming in. And I'm going to pick one from amate, who says refreshingly honest, Kevin is one of the very small number of people I found who operates with integrity and honesty, in an increasingly misguided market where sales are often more important, instead of providing the right strategy for clients. He is highly skilled and knowledgeable in his field, an invaluable asset to have in your network. I have no hesitation in recommending him to others.
Unknown Speaker 31:03
And just to say, I didn't recommend you engage with us. Man, I think that's what he's referring to. Because all too often, I think he's right, that that people are focused on what's in it for them. And I think it's just important for me, that sometimes you meet people, there's just the timings not right, the situation's not right. You know, we were very comfortable with people taking their time to find out whether wealth builders a good fit, we were a good fit for each other, for sure. He resonates our values, with our values, rather. And he's a very, very nice guy. But the timing wasn't right, the situation wasn't quite right for what we were doing. So. So I said, look, let's let's move on from this, and let's stay in touch. And I think that that often happens, you know, there's lots of things go on in people's lives, you know, we call them the four DS, you know, deaths, divorce, disaster. Can't remember the fourth one, but there's always things going on in people's lives. That mean, you know, disease, people in this I'm sadly going to a funeral tomorrow from one of our staff members, Chris, who died of an illness. And that's sad. So one of those things and get in the way of people making decisions. But sometimes the timing just isn't quite right. So these things are all relevant, when you're just doing what's good for them not trying to find a way to shoehorn them into doing what might be good for you win a client in the future is better than trying to win them now. And it's wrong.
Christian Rodwell 32:33
Yeah. So we encourage everyone listening, Kevin, who's just heard that and explaining karma credits those random acts of kindness, to actually put that into practice, right, because both you and I did so. Dan sort of explained a bit of what he thought your experience was, but I'm not sure he got it quite spot on. Perhaps you can share for us
Unknown Speaker 32:53
Yeah, more than happy to do that. So I was listening to podcasts from him on my dog walk. I have a weekend dog walk every Saturday morning, with my black Labrador called darlin. Named after Alan Shearer, of course, tune army. And anyway, flying high at the moment, Chris, it's scary. Maybe it's good karma. Anyway, we walk on the dog. And normally I've got the headphones in and I don't take them out. I'm just listening and walking the dog paying attention to the dog. Anyway, this particular day, I was listening to Dan, I thought, how can I try this, you know, just on the dog walk, nothing more than a good hour and a bit on the dog walk. So I was walking along and I saw this woman to the left hand side of me. And she was washing scrubbing some bricks, bits of, I suppose small boulders almost something you might have in a garden. And I said, Can I help you with that? You know, because she looked like she was struggling a little bit. And that she was going to try and lift them into a car. So anyway, she tipped the water out and I lifted the box of bricks into her car. And we just got chatting in and she said, you know, mom, Kevin, what's your name? She's I'm noticing. She said I was named at Christmas because it's a Christmas baby. And you just started having a really nice conversation. And then she got to ask me about Alan and she's seen you and Alan before walking down this way. And I'll look out for you next time. And that was nice. So back to the headphones on didn't meet anybody else until the end of my walk Chris I stopped for no cappuccino and a little bowl of a walk for the dog. And I went in there and usually I've just got my headphones in and like nod cappuccino and walk for the dog. There you go. I took my headphones out, got chatting to the bloke who said I see you brought your dog's salad, isn't it? I said Yeah, that's right. How do you know that? He said, Oh, well you know, your wife's been here before. And we got chatting. I said, What's your name? You said Michael. So I've got a son called Michael. He went alright, that's nice. And we do two got chatting. And then a couple of minutes later he brings out treats for the dog. Now the dogs deliriously happy. Now every time I walk by As the coffee shop, he's dragging me in because he thinks he's gonna get a treat from Michael. And now every time I do go in, Michael brings him a treat tiny little things, but just made the day, much more interesting, much more fun, just by engaging with people. And I've definitely started to let people out in my car conscientiously, and calm unconsciously on purpose. Generally, I'm not an aggressive driver. I'm quite relaxed driver, but I'm being much more relaxed these days, as I let people out. Yeah. You can hear me talking about?
Christian Rodwell 35:32
Well, yeah, yeah, I followed suit after I interviewed Dan last week. Absolutely. letting everyone out in the car and just getting some nice waves back and I haven't had the good karma, come back. But that's not the point of it is it's not no return is just to just to do these acts and, you know, random good deeds. And yeah, it fills you with a good feeling. And that's, that's all it's about, I think,
Unknown Speaker 35:56
yeah, nothing, nothing wrong with that. It wasn't about a measurement of treats or anything, but but it was just a nice feeling. And it's a one that, you know, I'm embracing now. And I think for anybody who needs a reminder, in troubled times, just to do good things, it's a nice thing. And I think his books doing extraordinarily well. Now, it's Amazon, number one. And I'm very delighted for him. And pleased actually, that he taught me a thing or two. And I liked that. It's nice when you get lessons yourself when you're normally dispensing them. So well done downhill. And if you minded to get a copy of the book, it's one you can you can signpost that in the show notes.
Christian Rodwell 36:38
Absolutely. Yeah, we'll share all the links. But yeah, I'm sure if you head online to Amazon search karma credits, you'll see that top of the list, and we're ever so close Kevin to 200 reviews on Trustpilot. Now, so that's just put that good karma out. We don't need to say anything. Put it out there into the into the world. That
Unknown Speaker 36:56
wasn't the purpose of the podcast? No, no, no, it was dropped in as if somehow we manipulated this for a bit of good karma on the way back, but no, it wasn't. But if you're enjoying it, just you know, give us a review if you're enjoying it, because we want to continue doing this way past 200 up and just the three hundreds. But we're delighted that people are enjoying what we're doing both in terms of the podcasts and in the wider sense of helping people to get on the right path to build their wealth.
Christian Rodwell 37:24
Yeah, so we enjoyed today's episode. We hope you did too. And Kevin, we will catch up Same time, same place next week.
Unknown Speaker 37:30
But until then, my friend so yeah.
Unknown Speaker 37:36
We hope you enjoy today's episode. Don't forget that we are constantly updating our resources inside the wealth builders membership site to help you create, build and protect your wealth. Head over to wealth builders.co.uk/membership right now for free access. That's wealth builders.co.uk/membership