EP127: "We've had amazing news in the last few weeks. We had interest rates go up again last week... We then had the mini-budget with the changes to stamp duty...to come into play. There's a third element with the pound taking the biggest fall in 37 years against the US dollar. All these moving parts make it an interesting conversation around when is the right time to invest."

Join us live every month as Eyeedul Haque of My Property Consultant and I crunch the data behind the UK house price headlines.  Our first session will be live at 11:00 on 29 September on my LinkedIn, Facebook and YouTube, links below. We hope you can join us as we look at the indicators and explain what they are, what they're indicating and how this might impact your buy, sell and hold strategy. 

https://www.linkedin.com/in/nicolebremner/
https://www.facebook.com/NicoleSBremner
https://www.youtube.com/c/NicoleBremner 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. 

What's really happening with UK house prices? We decipher the data behind the sensationalist headlines #127

Nicole Bremner is an investor, certified financial coach, nutritionist, author and mum-of-three. In 2009, having had a successful career in investment banking, 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.&nbsp;

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.&nbsp; &nbsp; Newly relaunched as Health, Wealth &amp; Wisdom, Nicole interviews some of the interesting people she has met while navigating her (sometimes turbulent) voyage through professional and family life. From charity founders and travelling investors to authors and young entrepreneurs, these are the real tales of real people finding their way in business. Join Nicole as she listens to their stories and the lessons they have learned along the way.&nbsp; &nbsp; Instagram: http://instagram.com/nsbremner YouTube: https://www.youtube.com/c/NicoleBremner Facebook: http://facebook.com/nicolesbremner X: https://x.com/nicolebremner/ Pinterest: https://www.pinterest.co.uk/NSBremner/

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WEALTH: Gold expert Simon Popple makes a strong case for the inflation protection qualities of investing in gold. Even now when gold is at all time highs. As a former head of investment manager at Strutt and Parker, Simon realised that his personal inflation rate was much higher than the RPI. After much research he decided investment into gold was the answer. 

In this interview we discuss: 
- Why gold provides the hedge against inflation that Simon believes we all need as part of a balanced portfolio
- How to invest in gold and other commodities directly or via companies exposed to gold
- How physical silver can save your skin should an armageddon-like situation unfold
- How Simon teaches people to invest in gold and other commodities using his BRIDGE System.

ABOUT SIMON
Following an MBA, Simon's corporate career started in investment banking at Singer and Friedlander and later at ABN AMRO where he became one of the founding members of their financial sponsors team within corporate finance.  

Deciding that his friends in property were earning more and working fewer hours, Simon went on to become the head of investment management at Strutt and Parker real estate financial services and then joined Copland, one of the world's largest private property companies as their youngest director. It was during this time that Simon realised his pension wasn't keeping up with his own level of personal inflation let alone the RPI. He decided to do something about it and struck gold. CONNECT WITH SIMON 
Website: www.goldprogram.co.uk
LinkedIn: https://www.linkedin.com/in/simon-popple-4a382a16/

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. 

WEALTH: Gold is at all time highs so why does gold expert Simon Popple believe everyone should hold some? #155

WISDOM: Jo Tocher's life changed after experiencing the trauma of miscarriage. No longer able to exist in the corporate world she set out not just to heal but to find purpose. 

Life After Miscarriage, Your Guide to Healing from Pregnancy Loss is the story about Jo's transformational journey from the pain of loss to a place of acceptance and hope. But it goes further to show how any loss - including relationships ending, childhood trauma, a pet dying, kids leaving home, changing job, redundancy or a business failing or moving  house, town or country -  impacts your relationships with your partner, family and friends. As a holistic healer and intuitive coach, Jo guides you to understand how this loss is holding you back in your career, day-to-day life and overall happiness. You’ll recognise and understand your go-to coping strategies and learn how you can begin to support yourself with self-healing strategies so you can move forward and find joy again.

In this interview we discuss: 
- Miscarriage, what it is, what to say and what not to say to someone who is experiencing this loss
- How men's pain is often overlooked during miscarriage
- Why it's not about having any baby, but this baby
- Leaving her corporate life behind for one of purpose 
- Finding her purpose in helping others to heal and find their purpose
- The process of writing a book as intimate as Jo's and how her family and friends dealt with that

ABOUT JO
Jo's experience with holistic therapy and transformational coaching is not just rooted in knowledge. It’s rooted in empathy. She has travelled her own journey of pregnancy loss that fuelled her desire to help others. Jo founded Life After Miscarriage, Perinatal and Baby loss to support women going through grief and help transform their future through proven healing therapies.  Starting in corporate then transferring to care and compassion, the 20+ year career has allowed Jo to do what she loves, help people. 

CONNECT WITH JO 
Website: https://jotocher.com/
Instagram: https://www.instagram.com/jo_tocherholistics/

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. 

WISDOM: Navigating from trauma to acceptance and hope: the transformative impact of miscarriage on Jo Tocher's journey #154

EP153: "When I became a solicitor I was diagnosed with anxiety and PTSD. So I’d done the classic thing where you go to CBT, you get the medication, you do all the things that you’re told to do."

Lawyer and mental health advocate Jodie Hill shares her top strategies for improving mental health. Learn how keeping a gratitude journal, planning social activities around exercise, taking regular breaks, communicating intentionally with your team, and reflecting on your needs can help boost your overall wellbeing. ABOUT JODIE

Jodie Hill is a neurodivergent solicitor, ED&I; consultant, coach and trainer, author and campaigner. She is passionate about employment law, mental health and wellbeing, equality, diversity and inclusion (ED&I;), and neurodiversity. 
A qualified barrister initially called to the Bar by The Honourable Society of the Inner Temple in 2010, Jodie then cross-qualified to become a solicitor in 2013. Her mental breakdown in 2017, which Jodie now describes as her “mental breakthrough”, led her to establish Thrive Law in 2018. It was the first law firm in the UK founded with wellbeing and mental health at its heart. 
Today, Thrive Law, headquartered in Leeds with teams in London and the Southwest, delivers HR and employment law support to employers and employees. A focus on ED&I;, mental health, wellbeing and neurodiversity underpins its mission to ensure everyone can thrive in the workplace. 
In addition to being managing partner at Thrive Law, Jodie is also a law lecturer at Leeds Beckett University and an active member of the Employment Law Committee at The Law Society. 
CONNECT WITH JODIE 
Website: https://www.jodiehill.co.uk/
Instagram: https://www.instagram.com/iamjodiehill/

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. 

WISDOM: Why it makes financial sense to create psychologically safe workspaces with employment lawyer and neurodivergence campaigner Jodie Hill #153

EP152: "I've been doing purchase lease options since before they were being taught. I would never have said now is a good time to do it because it's always been a good time. But now I'm telling the world that there are so many options out there. And the amazing thing about it is that we get to help people. There are people out there who we need to help. They are literally so stressed, so scared, getting sick because they cannot cope with what they've got. We can go in there and take all that pressure off them. Take their pain. Let them earn income each month without the fear of having to pay a mortgage each month."

I met with Gillie Barlow, experienced property investor who has never put down more than a few thousand pounds for any of her property deals. She explains how PLOs are the way to not only build your own portfolio but genuinely help people get out of difficult situations.  KEY POINTSWhat are purchase lease options, PLOs? What is now the right time to seek out PLOs and how do you go about it? How Gillie started with a vision to help disabled children and led to her volunteering in jailsWhy it is so important to invest in property with purposeABOUT GILLIE  Born an identical twin into a large family, Gillie grew up in a wonderful farm house with a menagerie of animals. She has always had a passion to build people up, to see them flourish and to help them understand what ‘happy’ and ’success’ mean.  She has forever had a love for property but even more for people.  She is a property entrepreneur and a visionary.  When she was 20 she flew out to the Kalahari desert where she lived for a while, working with a safari company.  It is during this time that Gillie whilst stretching herself massively out of her comfort zone and lead her to purchasing her first property 2 years later - a ski chalet in France. It became part of Sophia Holidays and is where many disabled children ventured through her charity Sophia's Alpine Disabled Adventures.  CONNECT WITH GILLIE 
Website: https://www.gilliebarlow.com/
Instagram: https://www.instagram.com/gilliebarlowproperty/

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. 

WISDOM: What are purchase lease options and why is now the time to use them according to Gillie Barlow #152

EP151: January 2024 has started well in terms of confidence returning to the UK property market. The cost of borrowing has started to decrease as mortgage lenders fight for market share. Santander has launched a 5-year fixed rate at 3.84%, which is very different to the average rate of 6.66% during August 2023. The Bank of England may start to cut interest rates sooner than initially thought. This will be welcome news to homeowners, businesses and the wider economy.  The positive indicator of the housing market is that mortgage approval rates are 25.6% higher than 12 months ago, which will filter through to a greater number of property transactions over the next few months.  
Key Points: Nationwide, Halifax and Rightmove have reported: -0.2%, +3.1% and +0.1% over the last 12 months. Nationwide, Halifax and Rightmove show that prices increased from last month (on a monthly basis). ONS figures show increases of -1.4% nationally and -4.8% in London. Rents have increased by 7.5% nationally and 4.6% in London. The average monthly rent is now £1,280 nationally, and £2,081 in London. They are predicted to increase by 25% over the next 2 years as the shortage of rental stock increases as some landlords leave the market.The Bank of England rates have remained on hold at 5.25% for the fifth consecutive month, and is forecast to reduce rates as early as May 2024. 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. 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. My Property Consultant believe 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.  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. 

What's really happening with UK house prices? We decipher the data behind the sensationalist headlines #127

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