 Up next we have Bimbola Osage. Bimbola is a professional property entrepreneur and founder of the Property Investment Club. The Investment Club, also known as B Our Own Bank, aims to help the black community build wealth by collectively pulling resources together and investing in properties. She's a joint venture queen and is passionate about advocating for more investment partnerships in the black community. Today, on the Richelman Festival, Bimbola will be speaking to us on growing your bag, investing in real estate in the UK. So for those who have Java plans, sit tight and welcome Ms Bimbola. Thank you. Thanks for that. Okay, so for the Java crew, and not just for the Java crew, actually for those that are actually based anywhere in the world, I want to invest in the UK market. This is for you. So today I'll be talking about how to invest in real estate in the United Kingdom. So a bit of an introduction about myself. I can't project my slide, so you might see me looking to the side very quickly. It's just me going through my slides. So my name is Bimbola Osage. I'm a serial property investor. I call myself serial because ever since I learned the art of investing, I've been addicted to it. I bought my first property 2005, which is about 18 years ago. So I've got an 18 years experience in property investment here in the UK. I do this full time now. But prior to this, I worked in investment banking as a market risk analyst in the city of London. I'm from investment in property. I've also founded an investment club here in the United Kingdom called Be Our Own Bank. The goal of Be Our Own Bank is that one day we will be a black owned bank here in the UK. So you've heard it from me first. I'm very much about property. I train people on how to get started. I coach, I mentor. I'm also a host of a property podcast called Propcast with a colleague of mine, where we talk about our experiences in properties and just share tips and knowledge. I'm a joint venture advocate. I'm a joint venture advocate and I'll talk a little bit more about that in my session today, but I'm all about helping people come together to raise, to invest and to make money together. I think one of our speakers earlier mentioned that over the last 18 months to 20 months we've raised about two million pounds in cash, literally in 10,000, 12,000, 5,000, 30,000 from different individuals to invest in properties. I do have a mixed portfolio, which includes family, less commercial, refurbishment, joint ventures and so on and so forth. I am currently with four children that are referred to as the Fantastic Four. So this is very much something that is close to my heart. Women being able to stand on their own two feet, women having their own money. And that's obviously helped me on my journey. And then now that I'm redone, it's one of the things that I'm so thankful to God for. Okay. Why does the woman need to invest? We've talked a bit about this earlier, but I'm just going to touch on a couple of points as well, just so that it gets into our minds. As women, we worry, we're always thinking, we're very anxious. And a woman that invests reduces her worry and anxiety levels, making her feel in control of her finances. Statistics have shown that women actually live longer than their male spouses. I'm a living testament of that. We generally live longer than our men, which means we would need a lot of money in retirement. We need to have invested in order to be able to reap those that funded our retirement age. We can actually start and get into passive income without much effort. Women are entrepreneurs. A lot of women that I know are into everything and we have the ability to do so much. So having an investment is another way for us to grow our passive income. There is an obvious gap between genders and obvious income gap. I think somebody mentioned that earlier as well. And in order for us to fill that gap, investing is a way of doing that. And one of the reasons, which is my last point that I totally, totally stand by is that a man is not a financial plan. So every woman, whether you're married, whether you're single, widowed, whatever your circumstances, you need to have a solid financial plan that is basically your plan, not on somebody else. Of course, if you have a great man or a great spouse or inheritance or whatever, that's amazing. But you as a woman, you need to very much know and be in control of your finances. Now, the next thing I want to talk about is, yes, we've talked about the need for a woman to invest. Well, why should a woman invest in real estate? You know, there's so many asset classes that we can invest in. Real estate, for me, is it trumps everything. And why real estate? Women are generally more risk averse. Women are generally more risk averse when it comes to all sorts of different asset classes, the most secure and the one that takes the least amount of risk in comparison to the others is properties, real estate. So women are generally more risk averse, which means property or real estate, as I would interchange that as I talk, is what is very suited to women. Women are long term thinkers. We think about everything. You know, I can sit here and tell you all my thoughts and my plans for the next five years and 10 years when my children grow up and so on and so forth. And in fact, it's something that we're in is inherently inside of us. We think about long term. We think about the future. A lot of the time when you see a man and a woman and they have an issue is the woman is the man is thinking about now the woman is thinking about the future. So because we are generally long term thinkers, real estate is a long term goal. It's a long term investment plan. So women are real long term thinkers are real estate will provide that long term security that you're looking for, looking for. Another reason why I think women should be interested in real estate is because we actually possess a lot of skills like we're very multi skilled, which are and these are skills that are very much needed in the real estate game skills like negotiating. We are major beautiful negotiators and we're very unsuperorganized. We have the ability to manage all sorts of different relationships. We are good communicators and we have the ability to multitask. Those are all the different skills that would come into play when it comes to real estate. So we're very suited for that. We can leverage real estate as another income stream. I know a lot of women that are into have at least five, six, seven in fact the Bible says we should have at least seven income streams. So I know a lot of people that have different income from real estate is certainly one that we can add on to that. And of course, as we had from the last speaker by building generational wealth. When it comes to real estate, that is the core that is the basis that is the foundation of generational wealth. We think about our children, we think about our nephews and nieces, our parents. We're always thinking about the future and how best to build a future other than in real estate. I don't know any wealthy person in the world who isn't invested in real estate. In order for you to pass what from generation to generation, real estate is the one key. In fact, it trumps everything as far as I'm concerned. So as women, we need to be very much interested in investing in properties or in real estate. Now I'm based in the UK and I obviously love other countries, but I have seen and I've looked at different countries. I mean, not a lot, but just a few. But in the ones that I've looked at, I feel like in the UK, UK is such a solid market when it comes to property. And today I want to convince you guys, you ladies, to bring your money into the UK. I mean, we're going to tax it a little bit, but you know, you will get your reward as well. So why the United Kingdom? As we know, the world right now I feel is in some sort of crazy recession or crazy turmoil. Everywhere is expensive, the cost of living has gone up. I don't even know how a lot of us are managing right now. However, the United Kingdom still proves to be a thriving and a stable economy.