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  1. Tim Over Whelmed

    [Misc] Retirement

    That’s true, but I’d also say I’ve been told to leave some products where they are, as they can’t improve what I have in place and they’ve also recommended I look at some options outside of their portfolio.
  2. Tim Over Whelmed

    [Misc] Retirement

    To be honest, when retired, or just prior to retirement, it’s fairly important to us. You’re right though, it can come across the wrong way!
  3. Tim Over Whelmed

    [Misc] Retirement

    Amy guy is really good but alas not taking anyone else on, the only reason I raise this is a good IFA will come recommended and only have the amount of clients they can effectively handle
  4. Tim Over Whelmed

    [Misc] Retirement

    I hope so, to be honest I had a couple of looks at it for this year but it's not going to work. So likely Apr '25. Will be a fundraiser for The Chestnut Tree Children's Hospice, the important thing is how I cost it, rightly I'll be paying my own food, and accommodation, so every penny goes to...
  5. Tim Over Whelmed

    [Misc] Retirement

    I know the ambulance chasers are slating the largest IFA group, St James’s Place, but in my experience they’ve been great, solid, sensible advice and better returns than in other investments. Get some solid advice as it’s easy for a poor IFA to tell you something he or she feels is right but...
  6. Tim Over Whelmed

    [NSC] Mother and Father of NSC ?

    Don’t get me started, mine was “re-set” around then
  7. Tim Over Whelmed

    [Misc] Retirement

    Great shout, airplane mode it is, in my pack pack so I'm not tempted to jump on NSC whilst out!
  8. Tim Over Whelmed

    [Misc] Retirement

    I'd guess the time that Dale Stephens got sent off and they made it to the promised land only to fall back again. I was at that game, and the subsequent Wednesday games arrrgghhh
  9. Tim Over Whelmed

    [Misc] Retirement

    We do a lot of last minute stuff mate, when we can grab a bargain
  10. Tim Over Whelmed

    [Misc] Retirement

    Yes, we’ve done Morocco, Majorca & Algarve this year and some long British weekends. In Nov & Dec we’re off to India, Himalayas, Golden Triangle taking in three famous train journey, end up in Jaipour and then fly to Mumbai. Then hop on a boat for Chicin, Goa, Sri Lanka, Malaysia, Thailand &...
  11. Tim Over Whelmed

    [Misc] Retirement

    Arundel mate, walk locally and along the coast. Have started to plan walking The Grand Union Canal either late Summer or Spring ‘25. Will depend on my poorly ankle.
  12. Tim Over Whelmed

    [Misc] Retirement

    When I venture out on my little retirement rambles now I tend to switch off my phone, not overly safe to do but bloody nice. (Take it with me for emergencies but leave it off until back in the house or at the “refuelling stop” close to home.) I sit down en-route and break out a pork pie...
  13. Tim Over Whelmed

    [Travel] Barcelona - local advice needed

    Eat in the “traders” area of the market, loads of locals and tourists do it, food is great. Yes, an abundance of pickpockets and blighters on BMX who take off with your gear quicker that Ms Price can say face lift
  14. Tim Over Whelmed

    [Travel] Barcelona - local advice needed

    I’ve a mate renting a place for the whole of Sept for this, he’ll know someone or thing, just message me and I’ll ask him if you like?
  15. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    Anyone have any photos of when we won The Jewish Chronicle Trophy, in the 70s, think we beat Macabbi Tel Aviv.
  16. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    Anderson, the gift that keeps on giving
  17. Tim Over Whelmed

    [Albion] Palace Fans Biggest Fear

    Oh that’s embarrassing
  18. Tim Over Whelmed

    [Albion] Fan park

    Have heard it’ll be completed before Palace even start their stand 😂😂👍

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