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  1. Tim Over Whelmed

    Des Lynam

    Seen him in The India Gate in Arundel many times, haven’t seen him since COVID.
  2. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    Can’t see Kompany lasting the first 10 games to be honest. You’re right they be all over Glasner, or Hurzeler, depending on his start!
  3. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    Like it, hope he had a top time and is now ready for a seat at The Amex?
  4. Tim Over Whelmed

    [Misc] Retirement

    They are contractural obliged not too undercut Booking.com so these “savings” sites aren’t all the seem.
  5. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    Oh what a rumour that was back in the day!
  6. Tim Over Whelmed

    General Photography thread

    Took some really informed advice from a few of you on here, reference the lens needed, thank you. I’ve a lot to learn yet but at least I’m getting reasonably close sports shots. Took this last Tuesday, Selsey FC v Arundel FC, at Selsey.
  7. Tim Over Whelmed

    [Football] Premier League Final Table Predictions Thread Competition

    1. Arsenal 2. Man Utd 3. Spurs 4. Liverpool 5. Chelsea 6. Man City 7. Brighton 8. Newcastle 9. Villa 10. Fulham 11. Everton 12. Palace 13. West Ham 14. Brentford 15. Leicester 16. Wolves 17. Forest 18. Southampton 19. Bournemouth 20. Ipswich
  8. Tim Over Whelmed

    [Misc] Retirement

    I tend to look for bargain holidays on a Sunday evening, I.e. anything flying out of Gatwick tomorrow (Monday), tend to use TUI, LoveHolidays & Kayak, anyone know any other good places to try? Gone are the days of arriving at Gatwick with your passport I guess!
  9. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    Likely to stay now then, I’d guess?
  10. Tim Over Whelmed

    [News] Katie Price - Queen of Chavs

    A waste is space, time, money and compassion ….. apologies, I’ve had a few Harvey’s! (There was no pun intended here, but I stand by the waste of space she is and the poor example she is to the limitless amount of people that seem to follow here every action)
  11. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    Celtic in for yet another Palace player ….
  12. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    Apologies, we have let you down. Clearly you’re going to struggle this year having sold your better players, failed to invest in your academy and we’re all better than you. So confident am I I’ll offer you a charity bet that we finish above you. Oh, and you’ll go bust by the 2025/26 season …...
  13. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    There were a few, but far from the majority
  14. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    To be honest on our many, unsuccessful, play off semi finals I’d always booked a hotel for the final, in advance as it’s cheaper and can either be cancelled or given to a mate that’s going.
  15. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    True, but I’d also add “some fans”, a minority, most decent fans wouldn’t celebrate an injury of any player.
  16. Tim Over Whelmed

    [Misc] Retirement

    All tax allowances need to be considered, especially when you aren’t, necessarily earning as much, around pension payments & CGT.
  17. Tim Over Whelmed

    [Misc] Retirement

    I think it’s similar to most professional trades, you go by recommendation, performance, cost and suitability to you. I met one guy, well recommended, but thought he was a tw*t, others liked him. The guy I have I like, has the same outlook as I, isn’t trying to grab every last penny and appears...
  18. Tim Over Whelmed

    [Misc] Retirement

    100% agree, Mrs OW is a bit younger, as well, so need to take that into the plan.
  19. Tim Over Whelmed

    [Misc] Retirement

    That’s the worry, isn’t it. Yes, you’d possibly cash in some if you needed the money now, but if you can sit 6-18 months all will, be fine. And I know what you mean about holidays etc
  20. Tim Over Whelmed

    [Misc] Retirement

    I agree, based on the advice I’ve been given and the returns I’ve made I’m happy, and the fees, whilst “strong” are justified with these returns, against other products I have invested outside of SJPP

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