Opportunity Cost in Investing: Why I Sold My Car
I explain opportunity cost through the £27,500 car I sold, and how I compare enjoyment today with what the same money could do for my future.
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Mark Parham
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Property Return on Investment: Look Beyond Year One
Rental cash flow is only part of a property return. I explain how I compare equity, renovation costs, growth assumptions and the time money stays invested.
Read article →Capital Gains Tax on Property: Planning Points I Consider
I explain the tax-planning ideas in my original video, with current context on reliefs, ownership and why borrowing against equity is different from selling.
Read article →Pay Off Debt or Invest? How I Make the Decision
I compare debt repayment with investing, considering interest costs, uncertainty, cash reserves and the habits needed to make either approach work.
Read article →When Should You Refinance an Investment Property?
I explain how I weigh refinancing fees, interest, risk and the next use of the money, including the small refinance that left too little cash behind.
Read article →Are Property Investment Courses Worth It? My Checks
What I would check before paying for property education, including realistic outcomes, total costs and whether the course suits the investing work you want to do.
Read article →French Holiday Home Investment: My Costs and Figures
I explain the figures behind my French holiday property, including purchase, renovation, running costs and the difference between forecasts and results.
Read article →HMO Void Periods: What 2020 Taught Me About Cash Flow
My experience of HMO income during 2020 shows why occupied rooms, fixed bills and cash reserves matter more than a fully-let headline return.
Read article →HMO vs Single Let: Which Fits the Property?
I compare converting a house into an HMO with keeping it as a single let, looking at layout, costs, income, management and the limits of projected returns.
Read article →HMO Layouts: How I Assess a House Before Converting It
How I judge whether a house suits an HMO conversion, balancing room layout, structural work, tenant use and the local rules that must be checked.
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