From 1.6% To 6% Reality Of The Mortgage Market From The Broker Side

How to stand out and become a fully booked PT in an oversaturated industry, with Dan Morgan

Ever wonder how to actually stand out as a personal trainer when the fitness industry feels completely oversaturated? It’s not about flashy marketing or copy-and-paste meal plans it’s about changing the entire way you do business. In this episode of How It Is, we break down exactly how to break through the noise, build real client authority, and scale a premium fitness business. Our guest shares his raw, unfiltered journey from Being massively humbled by basic selection for the paras to successfully doubling his gym income, going solo, and building a fully booked coaching roster. If you're tired of the standard, hands-off "once-a-week check-in" culture, this conversation is a massive eye-opener. We dive deep into the exact strategies used to command higher prices, get ultimate client buy-in, and use a strict vetting process to filter for high-value, committed people. 🎧 What You’ll Learn in This Episode:The Blueprint for Going Solo: The terrifying reality of leaving a secure gym salary behind and the exact financial safety net you need before backing yourself. How to Stand Out as a PT: Why rejecting corporate fitness stereotypes and shifting to high-contact, daily accountability builds bulletproof client relationships. The Power of Charging More: The pricing paradox why raising your coaching rates actually makes clients listen to you and get better results. Training Around Injuries: A layman's guide to programming workouts for clients with severe physical limitations, from torn cartilage and bad backs to sudden autoimmune diagnoses like celiac disease. The Psychology of Elites: A fascinating look into the obsessive mindset of ultra-runners and why top business leaders and sports icons like Michael Jordan possess uniquely ruthless traits. Whether you’re a fitness professional looking to scale your business, an entrepreneur preparing to make a massive career leap, or just someone trying to manage your health without burning out, this episode is packed with practical wisdom and human psychology.

Subprime Finance Secrets: Making Car Finance Accessible and Ross Chambers Journey into UK Lending

In this episode of How It Is, Ross Chambers reveals his subprime finance secrets for making car finance more accessible and shares his incredible journey into the business of UK lending. We dive into the raw reality of the "Pits of Hell" sales floor, the strategic moves behind major banking mergers, and how Ross is now leading the charge for financial inclusion with Finnhclusion. Why watch:A masterclass in career strategy and business resilience. You’ll learn how Ross went from a bank teller who couldn't balance a till to a Chief Commercial Officer revolutionizing accessible car finance . Ross breaks down the "Art of Lending," the reality of managing your peers, and the strategic timing required to rise to the top of the UK lending business.Find more from Ross Chambers:LinkedIn: https://www.linkedin.com/in/rvchambers/Finnhclusion: https://www.finclusion.co.uk/🎧 Listen & Subscribe:👉 Spotify: https://open.spotify.com/show/14YEU0UkAOGpdWbazdZ19W?si=QFJhoDO2Q7CrcYDHiMaMEA🎥 YouTube: https://www.youtube.com/channel/UCx6rha39hiiHtbGoHVFnTGA🍎 Apple Podcasts: https://podcasts.apple.com/us/podcast/how-it-is/id1783785566🎞 Amazon Music: https://music.amazon.co.uk/podcasts/e12b1c97-e5d0-4d11-8fcd-ca31a0ea12a1/how-it-isWhat you’ll learn:His Journey into Lending: From "The Pits of Hell" to the Santander boardrooms .Making Finance Accessible: Challenging the "White Van Man" banking bias for self-employed workers .Subprime Finance Secrets: Why lending is easy, but "The Art" is found in the collection .Leadership Strategy: Navigating mergers and managing friendships after a promotion .The "Last Chance" Mission: How Finnhclusion is helping people change their lives through mobility.Subprime Finance Secrets, Accessible Car Finance, UK Lending Business, Ross Chambers, How It Is Podcast, Finnhclusion, Business Journey, Non-standard lending, Santander Merger Strategy, Motor Finance UK, Sales War Stories, The Pits of Hell, Justify Your Existence, Art of Lending, Debt Collection Strategy, Financial Inclusion, Professional Growth, Strategic Career Timing, UK Finance Leaders, Entrepreneurship Finance, Car Finance Business.

Neurodiversity in Business: Surviving a Broken School System & ADHD Myths with Ross Chambers

In this episode of How It Is, Ross Chambers (Founder of Finclusion and Neuro Neds) pulls back the curtain on the raw reality of living and leading with ADHD and OCD. We unpack why the current education system is broken for neurodiverse children and what can be done to help us excel. Ross shares the backstory to his diagnosis and of his career from the fear of being "caught out" to discovering the Harvard-backed stat that neurodiverse teams outperform others by 130%. You’ll learn how to master your inner voice , why "superpower" myths can be damaging , and the exact Eisenhower Matrix framework Ross used to revolutionize his productivity and save his organizationWhy watch: A masterclass for parents, leaders, and anyone who has ever felt "weird" or "different." Discover the survival frameworks and leadership tools required to turn a perceived weakness into your greatest professional asset.Find more from Ross Chambers:LinkedIn: [Link to Ross Chambers]Neuro Neds: [Link to Neuro Neds]Finclusion: [Link to Finclusion]🎧 Listen & Subscribe:👉 Spotify: https://open.spotify.com/show/14YEU0UkAOGpdWbazdZ19W?si=QFJhoDO2Q7CrcYDHiMaMEA🎥 YouTube: https://www.youtube.com/channel/UCx6rha39hiiHtbGoHVFnTGA🍎 Apple Podcasts: https://podcasts.apple.com/us/podcast/how-it-is/id1783785566🎞 Amazon Music: https://music.amazon.co.uk/podcasts/e12b1c97-e5d0-4d11-8fcd-ca31a0ea12a1/how-it-isWhat you’ll learn:The 130% Rule: Why neurodiverse teams are the future of high-performance business.The Masking Struggle: The mental toll of "faking it till you make it" for 20 years.Broken Education: Why specialist provision saved Ross’s daughter when mainstream school failed.The Productivity Hack: How to use the Eisenhower Matrix to defeat ADHD procrastination.The Superpower Myth: Moving past "Rain Man" stereotypes to see the individual.

From 1.6% To 6% Reality Of The Mortgage Market From The Broker Side

In this episode of How It Is, Leigh Rowland, Director of FEAR Financial and Property Hotspot Sales, delivers a high-stakes business masterclass on scaling through economic chaos. We unpack the strategic mechanics of navigating a "mortgage meltdown" , the shifting borrowing mentality of Gen Z , and why viewing compliance as a "protective barrier" rather than a "deal killer" is the ultimate competitive advantage. Leigh shares the unfiltered truth about why the biggest threat to your business isn't the FCA, but the looming "house of cards" created by Claims Management Companies. You’ll learn how to master sales psychology using the "four quadrants of the brain" , the discipline of "running your own race" , and why the most successful leaders focus entirely on their own standards rather than the competition. If you’ve ever felt the weight of skyrocketing interest rates or regulatory pressure, this is your blueprint for sustainable growth.What you’ll learn:The Compliance Shift: Why understanding the "why" behind regulation allows you to be freer in business.Managing the CMC Threat: Why Claims Management Companies are the real risk to your deal longevity.Sales Psychology: How to use DISC/Prism thinking to adapt your terminology for different personality types.The Gen Z Reality: Navigating high house prices, 100% deposits, and the "PCP" borrowing culture.Operational Scaling: The transition from limited to full FCA permissions and the reality of 82-question data audits.The Guardiola Mindset: Why ignoring your competitors and focusing on your own race is the only path to market dominance.Find more from Leigh Rowland:https://www.fearfinancial.co.uk/https://www.linkedin.com/in/leigh-rowland-b553385b?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_view_base_contact_details%3BIZg8HdMjREuq8s9wF6gaOQ%3D%3D🎧 Listen & Subscribe:👉 Spotify: https://open.spotify.com/show/14YEU0UkAOGpdWbazdZ19W?si=QFJhoDO2Q7CrcYDHiMaMEA🎥 YouTube: https://www.youtube.com/channel/UCx6rha39hiiHtbGoHVFnTGA🍎 Apple Podcasts: https://podcasts.apple.com/us/podcast/how-it-is/id1783785566🎞 Amazon Music: https://music.amazon.co.uk/podcasts/e12b1c97-e5d0-4d11-8fcd-ca31a0ea12a1/how-it-is

How to Be a Referee: Ben Whitehouse on Surviving the Pressure of Welsh Rugby

In this episode step inside the mind of an international official in this exclusive refereeing masterclass with professional WRU referee Ben Whitehouse. This episode provides a technical and psychological blueprint for officiating at the highest level while exploring how the rugby world can improve referee recruitment, retention, and the management of high stakes pressure.What you will learn:- The PACE FrameworkBen breaks down his proprietary system for professional success which stands for Preparation, Attitude, Communication, and Evaluation.-Gain tactical insights into handling the egos of elite athletes and understand why the best players in the world purposely push the law to the line.- Discover why a referee must act as the captain of the ship and take full accountability for the game regardless of external input.- Master the technique of controlling the controllable by letting factors like crowd noise or personal stress slide away to focus on your own performance.- A candid look at the cultural differences between rugby and football and what must be done to protect the future of officiating.Find more from Ben Whitehouse:Instagram: https://www.instagram.com/ben_whitehouse_/https://wrl.wales/referee🎧 Listen & Subscribe:👉 Spotify: https://open.spotify.com/show/14YEU0UkAOGpdWbazdZ19W?si=QFJhoDO2Q7CrcYDHiMaMEA🎥 YouTube: https://www.youtube.com/channel/UCx6rha39hiiHtbGoHVFnTGA🍎 Apple Podcasts: https://podcasts.apple.com/us/podcast/how-it-is/id1783785566🎞 Amazon Music: https://music.amazon.co.uk/podcasts/e12b1c97-e5d0-4d11-8fcd-ca31a0ea12a1/how-it-is