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I work in a similar field. Came into the role nearly 20 years ago with an idealist attitude about how I could positively help people make changes to their life and be part of a bigger society. I still believe in giving people a second chance, challenging attitudes and giving people a hand up to...

Probably... Its just that when you look at the figures of how much you lose for going pre retirement age (about 25%, I think), it makes me unsure of what I will need to be comfortable. Mortgage is paid off in 3 years so I think I will look to put £300 to £400 each month into AVCs for 10 years.

Interesting thread! I want to retire at 60 so I have 13 year to go which seems an awful long time in a job I like less with each passing day. At times I feel a bit trapped by the decent pension I get which is based largely on career average earnings as they pulled the final salary scheme about...

Forgot about all that... I think I would reword my post after being reminded.

They have a habit of changing flight times at short notice and getting your cash back isn't an easy process if you need to cancel. They try to give you credits rather than cash back in your account.

I was never a fan of her, but when you consider what came afterwards... She was a decent Home Secretary and was dealt a bad hand when picking up the Brexit shambles from Cameron; then having to deal with the likes of BoJo looking to sabotage her at every opportunity. She went up in my left...

I like Engel. He's wholehearted and looks like he understands that this wins over a lot of fans regardless of ability. He has ability though, which tells me that confidence is a major part of his game. He gets isolated frequently because he is charging up and down the touchline waiting for a...

It works with the right players... Fry is a stopper not a ball player and it always shows. Rav can do it well, Clarke can do it well, Lenihan can do it well. It also helps if we have someone who can play a ball for Engel to run on to as opposed to having to check and retrieve the ball.

Today, I sat with my nephew in the lower west as opposed to my usual seating. The upper west. I could not get over the whinging and moaning of 3 'supporters' sat nearby. Constant criticism of the team and club ownership, talking as if we have millions to go out and spend and asking where the...

We go to Turkey most years. Been to Olu Deniz at least 8 times but was really disappointed in how it has changed since Covid-19. It's becoming more like Hisaronu with each year that passes. There are only so many genuine fake shops and bars with dancing oiled up waiters you can take! We have...

Still best mates with the lad I met on my first day in nursery at 3 years old. Also my close friendship group is made up of at least 10 people who went to the same schools and colleges albeit in different years.

John Arlott arriving in South Africa for TMS prior to the ban on their participation in international sport... The immigration form asked him to specify his race. He wrote 'Human'. Nuff said 👍

All you can do is walk away... Its really difficult when this happens but I guess you have to recognise that whatever problems he has going on would lead to the same reaction with anyone else. I never give money in these situations as my line of work tells me it doesn't go on food. I usually do...

As previously mentioned a hearing is just that. An opportunity for his solicitor to argue he has completed this programme and been making progress in addressing the areas of his thinking and behaviour which led to his recall. The MoJ sec of state rep plus the probation Service and prison service...

It could be a Bonanza...

Yeah he did have a warning and a second opportunity before dropping the F bomb again. Ever the opportunist he was on an advert for a local bathroom specialist the next week with the line...' if like me you've been sent for an early bath, head to....'

It was... Something to do with Big Mal and his time at Man City. His belief was that catholics supported Man Utd. Quite how he arrived at that belief is something we never quite found out as Brownlee shut him down quickly.

Rumoured to be keen on a move to Chelsea... Getting him on the fringe of the first team might change his mind or will strengthen our hand when it comes to compensation if he does leave. Very clever really.

He could be crucial to how we do things differently this year. Let's see who is in the team after the window before we make any decisions on him. Some of the balls he played tonight would have been gobbled up by a real forward..

It was great... The recreation of an iconic image which was itself a recreation. The actual raising of the US flag wasn't recorded so it was repeated after the battle for the cameras. Doesn't take anything away from the power of the image we know and recognise. UTB