Prosperity Podcast with Nicole Bremner

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EP150: "Why do you feel like you need to seek outside validation? Why is your sense of self linked to certain metrics? When we understand that, it always goes back...to our childhood self where we formed a belief of ourselves that we're not good enough unless other people told us we were. So when you look back on this as an adult...you can see a totally good enough me...[clients] can see that they were good enough. Then you get into affirmations...that will really start to change the subconscious mind...It all goes back to doing the inner work that most people will never do because it's scary, it's uncomfortable." 

Lucy is hugely insightful and an intelligent communicator and I could have conversed with Lucy for hours on topics such as: 

• Why women can have it all
• How the corporate world was created by men for men and doesn't suit the modern day life of women, or men for that matter
• What it means to have 360 degree success
• Lucy's story from how she turned her back on a successful career as an executive in the pharmaceutical industry to start all over again as an executive coach 
• Lucy's goal to help 100,000 by 2027

ABOUT LUCY
Lucy Gernon is, a multi award winning Executive Coach for women in senior corporate leadership. She came to coaching via a successful career as a driven, high-powered corporate leader in the pharmaceutical industry solving complex problems, delivering on time and shaping culture 

But inside she was running on empty, anxious, and overwhelmed with no work-life balance, horrendous self-belief and a strong inner critic. And when that started to affect my reputation and my most important relationships, she decided enough was enough so she invested in herself to take back control and leave her 20 year career and empower women leaders. 

Since then, she's created a top-rated podcast, won several prestigious business awards, and sold-out masterclasses and programmes.

CONNECT WITH LUCY
Website: https://www.lucygernon.com/
Instagram: https://www.instagram.com/lucygernon/

HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.

CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremner

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Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research. 

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EP149: CASE STUDY - Property investment is often touted as the holy grail toward financial freedom. Courses are sold and many are living this perceived glitzy lifestyle thanks to their "passive income" from property. But what about if it is your property portfolio that's holding you back from living your best life or even worse, is pushing you toward financial ruin?

Here I  share with you a case study of my client Barbara, name and details changed of course. What I suggested might shock you. It shocked her. I was surprised too. Ultimately the numbers don't lie.

We're looking for more case studies. If you would like a complimentary review of your portfolio, anonymously or live, get in touch at nicolebremner.com/discovery.

HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.

CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremner

Support the show

Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research. 

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EP148: We've been selected as one of 2,500 guinea pigs for the BP5000 programme. What is Blueprint and what is the BP5000 programme? 

You might have heard of Bryan Johnson, a tech multimillionaire who sold a company to Paypal for gazillions. Over the last couple of years he has spent over $2m a year testing everything there is to test with a team of medical professionals. His goal is to try to slow the aging process with a range of medical and dietary interventions which cost millions and take up, it seems, most of his time. Some of it is quite controversial but when I'm trying to make sense of the science I do find myself asking, what would Bryan do. The logic is that Bryan and his team will have looked into every option and optimised his diet, supplements and lifestyle to achieve this goal of slowing down the aging process.

Here I go through what it is and what testing I've had so far. I'll be keeping you up to date of the progress of being a human guinea pig on the BP5000 and the outcomes of this group experiment.

HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.

CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremner

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Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research. 

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EP147:  2024 has started well for the UK property market, as there is definitely an appetite for property. 

House price forecasts for 2024 remain relatively positive, with most institutions believing that prices will remain flat. In December, Knight Frank had initially forecast a decrease of -4% for 2024, but have revised this forecast to +3% growth for the year.

House prices: Nationwide, Halifax and Rightmove have reported: -1.8%, +1.7% and -0.7% over the last 12 months. What is interesting is that Halifax and Rightmove show that prices increased from last month (on a monthly basis). Halifax reported increases over 3 consecutive months. ONS figures show increases of -2.1% nationally and -6% in London. 

Rental market: Rents have increased by 8% nationally and 6% in London. They are predicted to increase by 25% over the next 2 years, as more people will be renting due to the higher cost of borrowing.

Interest rates: The Bank of England rates have remained on hold at 5.25% for the fourth consecutive month, and is forecast to reduce rates as early as May 2024. 

Mortgage rates: Lenders have started to reduce the rates available on 2 and 5-year fixed terms, as they predict that BoE rates will decrease to around 4% over the next two years. 22 lenders have reduced rates since January and there are more than 10 fixed rate deals where the rate of interest has dropped below 4%.

 What is the outlook: Eyeedul believes that prices will remain constant for the next 6 months, but some areas may see slight decreases (around 3-5%) but it does depend on the area and type of property. He believes we're in a buyers’ market and there are opportunities to take advantage of. The current market conditions will not last that long, as we know that as soon as BoE rates reduce, people will start buying property again as confidence returns.

 Stamp duty: it has been muted that if Labour are elected in at the next General Election in the second half of the year, they will increase SDLT for overseas buyers. There is already a surcharge of 2% over the existing stamp duty bands, but Labour will increase this further. 

CONNECT WITH EYEEDUL
Website: https://myproperty-consultant.london/
LinkedIn: https://www.linkedin.com/in/eyeedul-haque/
Instagram: @eyeedul_mypropertyconsultant

HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.

CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremner

Support the show

Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research. 

Send us Fan Mail

EP146: "It’s too early to say the market is turning but all signs are very positive. One week of good results are great. Two weeks is a coincidence, three weeks a trend. So we’re waiting to see what the next few weeks brings. Right now the market is thriving." 

"If you’re going to sell typically people wait till spring. It’s pretty miserable this time of year. If you wait for spring there's more competition...so that could impact your price. There are buyers who are keen now who perhaps paused for thought last year and now they’re ready and you really can make the most of them. I think later in the year, as with every election year, you get closer and it's people start to think I’ll just wait till the election decision into early 2025."

There are many gems in this conversation with industry veteran and MD of John D Wood & Co., Polly Ogden Duffy. She talks about: 

• Becoming the first female MD of John D Wood & Co. in the company's 150 year history. How good mentors helped and how she now helps others. 
• The importance of taking the long view in your career which sometimes means taking a step back to go forward. 
• The future of estate agency in a new fragmented market with key players emerging as brands rather than the traditional agency model. 
• Today's market and why now is the time, in her opinion, to list your property and avoid the competition of spring.

CONNECT WITH POLLY
Website: https://www.johndwood.co.uk/
LinkedIn: https://www.linkedin.com/in/polly-ogden-duffy

HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.

CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremner

Support the show

Support the show

Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research. 

Send us Fan Mail

EP145:  With over 25 years experience in property sales and development, Jerome Roith started in estate agency in a central London eventually founding his own agency. In this discussion Jerome shares his expertise on why he believes the best strategy in property development doesn't even involve breaking ground. Known as planning gain, this is the process of identifying and acquiring prime properties, and managing the planning permission process. He also talks about the importance of maintaining time efficiency and assessing the viability of pursuing certain developments. 

KEY POINTS:

• Jerome takes as through his six step planning gain process from identifying opportunities, gaining exclusivity, legal conditional deals, sub-sale transactions, marketing protocols, and finding buyers.
• The importance of systemisation in the property development business. Jerome stresses the need to track processes, maintain fair timelines, and highlights the crucial role of communication in closing deals.
• How the complexities of the property market led Jerome to establish a training course with a focus on 10 core principles essential for a successful property development business, extending beyond the professional aspects to the impact personal life.

ABOUT JEROME 
Jerome Roith is the co-founder of boutique property developer Sensitive Developments and founder of market leading property development training provider, Property Planning Gain. With over 25 years experience in the UK property market Jerome has been involved in developments with a GDV in excess of £50m. These include multiple Office to Residential permitted development schemes in SE England, new build executive housing as well as being instrumental in delivering numerous planning consents across the UK.

Recently, Jerome has created his own 2 day, in person property development training programme covering the 10 core principles of property development and provides "real world" training in a crowded market.

Jerome is also an advocate for prioritising good mental health and practises meditation daily. Away from the office his passion is long distance running, regular gym sessions, long walks in the Lancashire countryside and Arsenal FC.

CONNECT WITH JEROME
Website: https://www.propertyplanninggain.co.uk/
LinkedIn: https://www.linkedin.com/in/eyeedul-haque/
Instagram: @propertyplanninggain

HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.

CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremner

Support the show

Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research. 

Send us Fan Mail

EP144: New year, new name, new focus.  I launched my podcast nearly seven years ago. It has kept me sane and connected during some tough times. Thankfully I’m in a much better place and have loyal listeners, thank you. But as my career has evolved I’ve struggled to find the right name and focus.

Finally I’ve come up with a name which is the perfect intersection of my interests and, I hope, that of my listeners. Over the coming days my podcast will be relaunched as Health, Wealth & Wisdom. Why?

🧘‍♀️HEALTH From a family of vegetarian medics, I’ve had a keen interest in health and nutrition forever. I completed a year of Biomedical Science at university before switching to commerce but returned to do a Post Grad Certificate in Plant Based Nutrition in 2010 which lead me to becoming vegan for 6yrs. It’s an area that continues to fascinate me and I hope to bring you the latest research from experts as well as mine Paul's trial on our journey to better health.

🏗WEALTH Property often draws people with the promise of financial freedom. The pursuit of this holy grail is something that can catch you out. Yes, property remains a pillar of a well-balanced portfolio but caveat emptor! How do I know? I’ve been there and have weathered just about every storm. Fortunately I've come through the other side wiser (and greyer).

I also have a background in financial planning. I switched majors from biomed to a BCom Financial Planning and then went on to do a Post Grad Dip Financial Planning becoming the youngest ever Chartered Financial Planner in Australia. Leaving Oz I worked at some top fund managers and banks in London and New York. More recently I’ve completed a financial coaching certification.

WISDOM As Socrates said, “Intelligent individuals learn from every thing and every one; average people, from their experiences. The stupid already have all the answers.” As someone who is naturally curious, I love to speak with people and will continue to share these interesting conversations.

Thanks to those who have listened from the beginning, I hope you like the new direction. Please like, subscribe and send me any comments or suggestions. Thank you.

HOSTED BY: Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in financial services, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next. Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children, and spent the next decade building a multi-million property portfolio in London. Now she combines her passion for property, financial literacy and health into this top raked podcast.

CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremner

Support the show

Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research. 

Send us Fan Mail

EP143:  We ended 2023 on more positive news that inflation has fallen again to 3.9% from 4.7% in October, which will ease the pressure on the Bank of England to raise rates further. Welcome news to those 2 million people due to remortgage over the next 12 months.

House price forecasts at the beginning of 2023 were mostly incorrect. Knight Frank and Savills were forecasting decreases of 10%, and Capital Economics forecast an even more gloomy 15% decrease. Unfortunately, the mainstream media picked up on these negative predictions and scared us into paralysis. The good news is that prices in the UK were much more resilient and only decreased by 1.2% overall.

KEY POINTS
House prices: Nationwide, Halifax and Rightmove have reported: -2.0%, -0.6% and -1.1% over the last 12 months. What is interesting is that monthly figures actually show that prices increased from last month. Nationwide and Halifax reported increases over 3 consecutive months.

 ONS figures show increases of -1.2% nationally and -3.6% in London. This ONS data has a 3-month lag time, as it records the prices that properties actually sold for and is taken from data from the Land Registry. The rate of house price growth is levelling off.

Rental market: Rents have increased by 8.9% nationally and 8.1% in London. The average monthly rent is now £1,279 nationally, and £2,174 in London. They are predicted to increase by 25% over the next 2 years, as more people will be renting due to the higher cost of borrowing.

Interest rates: The Bank of England rates remained on hold at 5.25%. The Bank stated that they may keep rates on hold for longer than a few months until the inflation target of 2% is met. The latest inflation figures of 3.9% will mean that the Bank of England could start reducing rates as soon as the end of March 2024.

Mortgage rates: Lenders have started to reduce the rates available on 2 year and 5-year fixed terms, as they predict that Bank of England rates will decrease to around 4% over the next two years.

Outlook: Eyeedul of My Property Consultant forecast that UK house prices would be level for 2023, and was correct. He believes that prices may remain constant for the next 6 months, but some areas may see slight decreases (around 5%) but it does depend on the area and type of property. Interestingly, Rightmove forecast prices to fall by only 1% and some forecasters are already predicting increases of 5.9% during 2024.

CONNECT WITH EYEEDUL
Website: https://myproperty-consultant.london/
LinkedIn: https://www.linkedin.com/in/eyeedul-haque/
Instagram: @eyeedul_mypropertyconsultant

HOSTED BY: Nicole Bremner, an investor, speaker, write and podcaster. After a frantic decade building out a property portfolio worth millions throughout London recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realised that what comes after setback is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.

CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremner

Support the show

Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research. 

Send us Fan Mail

EP142: While many find their future life partner online, amidst the virtual roses hides a sneaky villain - the online romance scammer. These tricksters play with emotions, taking advantage of those just looking for a much desired connection. 

In this episode, Becky Holmes, the hilarious writer behind the @deathtospinach X/Twitter account talks about how she exposes fraudsters in (hopefully) funny ways.  What started as a lockdown boredom buster turned serious when she discovered the heartbreaking stories of scam victims. 

We talk about her X adventures, dealing with the scammers and explicit photos, and the bizarre world of script-bound scammers. Keanu Reeves pops up as the most impersonated celebrity and we explore the dark side of romance scans, funding other shady dealings.

Becky spills on the toxicity of X, the safer but not-so-safe LinkedIn, and how her experiences result in her first book 'Keanu Reeves is not in love with you' coming out in January 2024. We dive into the challenges of writing, from romance fraud to personal struggles, and how it all shaped her understanding of the psychology behind the scams. She hits home the point that anyone, regardless of who they are, can fall victim to romance fraud. Becky shares the lack of attention from law enforcement and the positive twist in her story - getting engaged during this whole adventure.  

Episode Highlight:

• Becky's engagement with scammers on X during lockdown
• The issue of explicit images on social media
• Tactics used by scammers
• Becky's book on experiences with fraud on social media platforms
• Becky's personal experiences with gaslighting and abusive relationships

CONNECT WITH BECKY

• X | @deathtospinach
• LinkedIn | Becky Holmes
• Instagram | @deathtospinach

HOSTED BY: Nicole Bremner, Nicole is an investor, speaker, writer and podcaster. After a frantic decade building out a property portfolio worth millions throughout London, recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realized that what comes after setbacks is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.

CONNECT WITH NICOLE

• Website | www.nicolebremner.com/podcast
• LinkedIn | www.linkedin.com/in/nicolebremner
• Instagram | @nsbremner

Support the show

Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research. 

Send us Fan Mail

EP141: At the risk of being a broken record once again the two biggest stories from the recent data is that some price data is actually showing a small increase in house prices. Second, rents continue to increase.

"There is positive news with the rate of inflation in the UK dropping to 4.6% from 6.7% last month. The Bank of England is under less pressure to increase interest rates, and there may be rate cuts during the first half of 2024. House prices remain resilient, defying the forecasters such as Knight Frank, Savills and Capital Economics who all predicted decreases of 10-15% during 2023." Eyeedul Haque

Key points:
1. Nationwide, Halifax and Rightmove have reported: -3.3%, -3.2% and -1.3% over the last 12 months. What is interesting is that monthly figures actually show that prices increased from last month. Nationwide and Halifax reported increases of 0.6% and 1.2% respectively. 

2. ONS figures show increases of -0.1% nationally and -1.1% in London. This ONS data has a 3-month lag time, as it records the prices that properties actually sold for and is taken from data from the Land Registry. The rate of house price growth is levelling off, but certainly not in free-fall (as some headlines this week are suggesting).

3. Rents have increased by 9.6% nationally and 10.2% in London. The average monthly rent is now £1,283 nationally, and £2,192 in London. They are predicted to increase by 25% over the next 2 years, which is welcome news for landlords whose costs have increased over the past 24 months.

What is the outlook:
Eyeedul of My Property Consultant predicted that house prices would remain level 12 months ago, and have been correct. "Prices may remain constant for the next 6 months, but some areas may see slight decreases (or around 5%) but it does depend on the area and type of property. We are in a buyers’ market and there are opportunities to take advantage of. The current market conditions will not last that long, as we know that as soon as the Bank of England start to reduce rates, people will start buying property again as confidence returns. This is turn will increase house prices, hence we advise clients to purchase within the next 3-4 months. The end to end process of buying a property takes a minimum of 3 months once a property has been found."

Join us live on 9 January as Eyeedul and I continue the discussion on UK house prices.

HOSTED BY: Nicole Bremner, an investor, speaker, write and podcaster. After a frantic decade building out a property portfolio worth millions throughout London recent personal and professional setbacks forced her to reassess what really matters. After a period of healing Nicole realised that what comes after setback is success. Nicole focusses on telling these stories of #reboundaftersetback and the lessons learned along the way.

CONNECT WITH EYEEDUL
Website: https://myproperty-consultant.london/
LinkedIn: https://www.linkedin.com/in/eyeedul-haque/
Instagram: @eyeedul_mypropertyconsultant

CONNECT WITH NICOLE
Website: http://www.nicolebremner.com/podcast
LinkedIn: https://www.linkedin.com/in/nicolebremner
Instagram: http://instagram.com/nsbremner

Support the show

Support the show

Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.