Chris Philcox
@Firephilo
Financial Adviser specialising in retirement planning. A Dad to Freddie,Phoebe and Monty husband to Emma, lover of NUFC, cricket, golf and positive happy people
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Such a hard call to make. Some can only afford the advice if their pension is transferred as fees come from the pension. I pride myself on offering free advice and analysis but know others will transfer just to get paid!! Feel for cash poor clients who can no longer afford advice
The FCA will ban contingent charging on DB transfers in all but a few pension transfer scenarios but will allow abridged advice as another route for consumers to have access to lower fees on.ft.com/370h7Kg
We look lower in confidence than when Eddie took over. Have no conviction in anything we are doing. Players hiding. We have serious problems and too many bad characters #NUFC
I nail Howe when he deserves it but tonight he has been let down by the players and the board. I just don’t see how at a pivotal point in our season they think Tripps is sufficient at right back, no cover for hall, only tonali mdifield and forwards who have been shocking #NUFC
No blame at Howe. The right tactics but when your midfield consists of Ramsey and Willock you don’t have a chance. They are simply not good enough. Tonali goes forward and neither have the intelligence to drop in. Tonali on his own in there
Such a shame to see Tripps ruining his amazing legacy at #NUFC absolute liability every time he plays. He is not even championship quality anymore. Hang ya boots and become a coach
I’m ashamed of my club tonight. That was pathetic. You didn’t even try. Feel for the fans who travelled tonight. Get home safe. You deserve better #NUFC
Absolutely pathetic second half. Theyre hiding and not trying. Unacceptable. This is a very winnable game and made a poor team win comfortably. Most disjointed I’ve seen us in a long time. Really really bad times for #Nufc masked behind our achievements last season
So fucking soft. Dominate, get the lead and just collapse. Tripps is a joke and playing that midfield 3 is a disaster. Ramsey and Willock pathetic. Barnes is not a top 6 player #NUFC
Tripps is a liability every time. Make him a coach if you want his experience just don’t put him on the pitch #NUFC
#RIPCatherineOHara your performance in schitts creek will be remembered for a long long time
What a brilliant performance and much needed confidence boost. Against 12 men we deserved so much more #NUFC
We need some positivity and uplift in this team. We need fresh blood. Half the starting XI are out of form and the subs are even worse. Lack belief on the pitch and looks like in our tactics too. Wait till the summer and we won’t have European football to offer #NUFC
We look like 11 players shoved together on a pitch who don’t have any idea or chemistry. Hoping for individual brilliance. Effort was there but no ingenuity. Too many Players hiding. #NUFC
A team without ideas being asked to continue to play the same way every week. Plenty of effort today but spending 90 minutes trying to work space for a cross, with a team of poor crossers, in to the box for a team of poor headers, is easy to defend and predictable. #NUFC
The difference in refereeing standard from Wednesday to today is a chasm!! Absolutely embarrassing #NEWAVL
What a colossal performance from J7 last night. Was playing well but when his best mate and captain came off he went in to overdrive. Absolutely everywhere. Best performance I’ve seen from him. Has been excellent last few games but that was 10/10 #NUFC
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