How Cheryl Laidlaw can build your website on day #54

“The word ‘authentic’ has become a buzzword and a bit of a joke. Really, we want to be a...

Jamil Qureshi, sports psychologist, on quick adaptation to change #51

“The most successful people I have worked with have a really good level of self awareness.” Jamil Qureshi And...

SailingSavvy EP2: Stuck on a boat with four children!

After Nicole and Paul’s successful first sailing experience as a new couple they decided it would be a great...

We're all in lockdown, the economy is in freefall, now what?

Like many businesses, every aspect of the property industry has been severely impacted by this unprecedented time. By late...

SailingSavvy EP1: Woman meets man and boat

Our first episode is live! It’s been a labour of love but you can now watch our story. In...
Podcast
How Cheryl Laidlaw can build your website on day #54
Podcast
Jamil Qureshi, sports psychologist, on quick adaptation to change #51
Travel
SailingSavvy EP2: Stuck on a boat with four children!
Property
We're all in lockdown, the economy is in freefall, now what?
Travel
SailingSavvy EP1: Woman meets man and boat
Podcasting

Of course she has a podcast

With over 50,000 downloads,
Nicole's conversational
podcasts asks entrepreneurs
about what matters
most in business, and
more importantly, life.

 
welcome-center-image
About me

Investor, Podcaster,
Author, Speaker.

Ten years ago I was at home raising three children under three and unsure what my future held. Fast forward to 2020 I run a boutique investment company, am a non-exec, best selling author, podcaster and international speaker.

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Investing

Property Investment

It was my desire
to be independent
that first attracted
me to property.
Now it's different.
It's much, much more.

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Podcast

Longevity and health especially in lockdown with GP Louise Wiseman #50

Dr Louise Wiseman MBBS BSc(Hons) DRCOG MRCGP is a mother, former GP, now health writer and motivational speaker. After working 15 years in the NHS, Louise has written her first book Your Best Life – A Doctor’s Secret Guide to Radiant Health Over 40 (release September 28th 2020), working with experts from all fields of medicine to uncover evidence-based secrets to improve health and maximise longevity.  Within the book you can also find the stories of many prolific women who will tell you whether you can really have it all. Louise is also a medical editor and writer for www.netdoctor.co.uk and a medical writer for www.thefrankmagazine.com

 www.drlouisewiseman.co.uk instagram and twitter @drlouisewrites

https://www.troubador.co.uk/bookshop/self-help/your-best-life-a-doctors-secret-guide-to-radiant-health-over-40/

If you’d prefer to watch the video the link is here.

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Travel

SailingSavvy lands on YouTubeFeatured

I told you I’d have some good news soon. Paul and I had had a tough time of it recently and what’s kept us going is escaping into sailing channels on YouTube like La Vagabone and recently, Sailing Fair Isle.

While we watched we realised that we have a story to tell too. We’re not a young couple sailing the world living on our boat. We’re a couple with careers that require us to be here, and young children still in school. For these reasons we just steal time when we can to head to the boat. Kind of like mini-retirements each year over the summer.

It’s looking unlikely that we’ll get to the boat anytime soon given the tragic pandemic. I’m using this time to up-skill by learning how to edit video, something I have a new respect for as it’s so time consuming! Here is the result of a few weeks of fiddling around with quite a few tips from a friend.

Head over to the new YouTube channel, SailingSavvy, and subscribe to be notified of new videos hopefully every Monday.

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Writing

The keys to freedom: Modern Woman Magazine Issue 7

Property is a good industry in which to build a business reflective of the life you wish to live. And it’s becoming increasingly dominated by women, says Nicole Bremner… Read the full article here.

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Property

Are you a victim of fraud in property?

Have you been a victim of fraud in the property industry? Unfortunately I have, hence the reason for my silence over the past months. But I’m not going to remain silent any more. 

The property industry is rife with charlatans. Every day I am contacted by people asking for help on how to invest their money into property. And I’m concerned for them. Many chancers will take their money and people are too eager to give it to them to manage on the promises of strong returns. Premeditated or not, too often things go wrong. 

I’m launching a new podcast series “How To Lose Millions In Property” which gives and in-depth look into one large scale, systematic programme of deceit with the goal of warning others what not to do. 

If you too have been a victim and wish to tell your story as a warning to others please get in touch. It can be anonymously if you’d prefer. Be prepared to have evidence of the wrongdoing and not just a grievance. I hope no one ever experiences what I have been through.

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Causes

#WorldCancerDay from a two-times survivor

I promise these posts will become cheerier but for today it’s #WorldCancerDay and there’s nothing cheery about cancer. Unless you’ve survived. Like I have. Twice.

Let’s be clear, my cancers were not life threatening at the time. They could have been had I not caught them in time, but they were life impacting. I was interviewed here by Fight For Sight so you can read more about my story and why I’m glad to be an ambassador. What I’d like to say today is to make sure you follow up with every lump, bump or bruise. If anything doesn’t seem right just check it.

With my secondary cancer, an adenocarcinoma, I was sent away from the GP three times. I’d noticed a slightly tender lump in the roof of my mouth. I had just had my second child so was told it was probably due to hormones. A few months later I returned because I was sure it had grown in size. Again they said it was because I was now pregnant and it was hormones. Before baby three was born I had a dental check up and pointed out the lump to my dentist. He immediately made me an appointment for a head, neck and throat surgeon the next day.

As I had private health insurance I needed a referral from my GP to see the oral surgeon. My GP actually scolded me like a child and told me I was wasting taxpayers money by coming back for a third time and insisting on a referral. The surgeon took a biopsy and called me a few days later that it was as he’d suspected, a tumour.

My GP have given me excellent service ever since. All the staff know who I am and I’ve never had to wait for an appointment. I think they were so worried I would sue. And I had good reason but the NHS is stretched enough as it is and I didn’t believe I’d gain anything from a costly battle and the stress around that, especially when I had to undergo major surgery to remove and then reconstruct the hard and soft palate.

My point is, if you’re a woman over 40 you’re in the highest risk category for health insurers (I’m uninsurable!). So don’t be a martyr or worry about being labelled a hypochondriac. Just.Get.Checked.

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Property

The Job v. Entrepreneur Conundrum

I find myself in something at a pivot point, as the Americans say. It’s a position that many entrepreneurs find themselves but are almost ashamed to admit it. Admission is viewed as failure. It’s the yearning for a job.

The solid, security of the 9-5. A paycheque at the end of each month, health insurance, paid holidays, a pension plan. To go further it’s an HR department, IT department and offices you don’t have to worry about paying for. It’s colleagues and a role you can switch off from at the end of the day and not keep you up in the wee hours of the morning.

The problem is having left employment 15 years ago to set out on my own and raise children, I’m unemployable. I like working my own hours, I’m not great at water-cooler chit chat, I see inefficiencies everywhere and crave the autonomy to press ahead with my own ideas without committee. On reflection I was like that from the beginning of my working career – I constantly saw ways of doing things better. Something my bosses didn’t like hearing from a 20 year old early graduate with only McDonalds, Pizza Hut and a haberdashery factory on her CV.

So where does that leave me now? Probably still unemployable. But burning with ideas, energy and ambition. The only question mark is over the where, what and who. And exciting place to be. Honestly, how many of you self-employed people feel the same?

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Property

Beginning of the end or new beginning?

In early September I received a call which changed the course of my property journey.

While I’d had some concerns about the time delays on projects, lack of accounts and the communications I had (and had not) been receiving, I was so caught up in untangling a 19 year relationship along with supporting my three young children that I’d pushed these niggling feelings aside. However the lack of transparency in the situation was completely at odds with my values. During that call the penny dropped for both of us that things were not as they seemed. Something was awry and we had a lot of work to do if we wanted to rescue the situation and engineer an exit for investors in the nine properties within the portfolio.

The situation took a personal toll. I went through the seven stages of grief simultaneously over three areas of my life – career, divorce and the complete upheaval of my family life. It was unfortunate that the time that my property investments needed me my family needed me more.

– Shock and denial
– Pain and guilt
– Anger and bargaining
– Depression
– The upward turn
– Reconstruction and working through
– Acceptance and hope

Now I flip between depression through to acceptance on a daily basis. But definitely with a lean towards the “reconstruction and working through” stage. I’ve set aside everything else, apart from family, just to focus on exits for investors.

If you are a stakeholder reading this please don’t be alarmed. A lot of work has been carried out at a high level since that fateful day in September. We are in a good place now but there is some mess left to clean up. Those in charge of the clearing up are more than capable and progress has been made.

For those hiding behind fake accounts and WhatsApp groups I pity you. It’s a shame that you are so frustrated in your own shortcomings and failings that you have to dwell on and even fabricate mine. Time will tell.

Thank you for the immense support I’ve received from so many places. When I’ve felt like quitting your messages and calls have kept me focussed. It’s amazing the support often comes not from those you expect but those you don’t. Thank you to the unexpected supporters 💙

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Property

Will it be the roaring 20s? My property outlook for 2020.

“The property market has been especially hard-hit by Brexit-led procrastination over recent years. Transaction volumes are down dramatically since the 2016 referendum, so to are property prices and the number of properties listed for sale.

While the election result and Brexit is now agreed, many of us naïvely believe, or hope, the extended period of limbo will be over. However, much like an acrimonious divorce, we’re likely to have years of negotiations over the financial settlement. We entered the EU, or EC (European Communities) as it was known, in 1973, so leaving isn’t as simple as setting a date and agreeing terms with our friends across the Irish Sea and English Channel. What is the likely impact of these continued negotiations on property as we enter the next decade?

Rental growth in London since the Brexit referendum vote has stagnated. Across the whole of the UK, excluding London, rental growth is at its lowest since February 2013 according to data from the LandBay rental index. Year-on-year rents have increased in UK ex the capital by just over 1%, some seven times that of London.

While the capital’s stagnation has masked the relatively strong growth in the rest of the UK, the impact has now rippled out. It’s unlikely to change as we enter into this period of negotiation. We are still suffering the hangover of tax changes impacting landlords as the government try to push out the ‘Mum and Dad’ buy to let landlord in favour of built for purpose rental accommodation. And with fairly little regulation in the industry, there are arguments to support this view.

London has also dragged down national average property prices and the outlook remains mixed. In the lead up to a final decision on Brexit we had an insufficient supply of property with homeowners anxiously holding on to properties. There should be somewhat of a reprieve with homeowners feeling more confident about selling into a thawed market.

While renewed confidence may provide some support to housing prices nationwide we can’t escape the charts which show that we remain in an inflated property market. Thirty years of falling interest rates and people taking out larger mortgages has led some pundits to believe we’re more likely to see continued slow growth with further declines in prime central London.

Taking into consideration the potentially acrimonious negotiations on the finer details of Brexit and affordability of housing on one hand and renewed confidence in the thawing property market on the other, my view is that we’re not going to see much more than a slight increase in prices as we enter into the 2020s.

If you plot back long enough the last couple of years will be nothing but a blip. While I believe that the long term trend in property will be growth, I don’t expect that the next decade will reflect the rapid growth of the next. Divorce of any kind will always leave an irreparable dent.”

This outlook was included with many more on Property Solvers. Have a read and let’s see how accurate they are at the end of 2020. Will it be the roaring 20s?

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Property

Tour my Rochester home decorated on a £15k budget

I’ve finally got around to posting my new home redecoration. In October 2019 I moved to Rochester, Kent, from Hackney. I’ve rented a tired but cozy house a short walk from the historic centre, and importantly, a short roll out of bed to the children’s school. I left with little more than our clothes and have completely started from scratch

 Given that this is a rental until I can find my dream home, I just wanted to make it homely and comfortable for me and my three children. I set myself the task of spending just £15,000 on everything (including TVs, fridge etc) and all (except the aforementioned items) from IKEA. It took five IKEA deliveries and three trips to the Greenwich store, including £1,100 in returns for things that didn’t fit. The result, in my opinion, is a warm, serene (when the kids aren’t here) home I’m proud of and comfortable in. Even if this house is home for a few years rather than months, I’m happy with that. What do you think? Curious if you can see the value in how I’ve apportioned the funds and if you think it’s good, bad or about right for £15,000.

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Writing

The waiting game: Modern Woman magazine issue 6

Brexit nerves have translated to demand outstripping supply in the property sales market and significant slowing in the rental market. Now’s the time to sit tight writes Nicole Bremner… Read the full article here.

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