Can anyone recommend an IFA???

  • Pat
  • 10/10/08 30/11/12
  • unspecified
  • Offline
Posted: Thu, 12/04/2012 - 01:27

I am not sure where to turn these days for financial advice. And I was hoping someone here could recommend or point me in the right direction. I still live overseas but have a small old occupational pension fund with Phoenix Life from an old employment in the UK - The retirement date is nigh and I guess I don't have much faith in the financial industry and I have not been impressed by the performance of the fund with Phoenix.

If anyone out there could either recommend anyone or suggest the best way forward i would be very grateful.


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  • cottesmore
  • 21/10/08 16/07/12
  • a depositor
  • Offline
  • Thu, 12/04/2012 - 07:21

My opinion, for what its worth,is to buy a 2/3 bedroomed house and rent it out.Rents have been rising quickly, as there is a shortage of affordable housing.People are struggling to raise deposits to buy,fuelling the rental income market.You must also remember that the so called, 'doom and gloom' painted in the housing market,never happened.At worst, house prices flat lined,but in reality have still risen in most areas.It is also the major factor that its a 'real' asset.Its bricks and mortar,not some crappy bond or share option or a reliance on, 'so called experts' to manage your cash with invisible and unreliable performance.You dont need to be an expert to own property.Its yours to sell,rent or do what ever you want with.Cash in the bank is a complete and utter loss.It continues to devalue as you leave it there,due to inflation and rubbish interest rates offered by the Banks.I am of course not a Financial Advisor,but i am a Property Developer.I made my fortune from this sector.I made the mistake of listening to the, 'so called financial experts.' The rest is history as they say.Never again will i allow someone to tell me what to do with my money.I can drive past my properties and see 'my cash growing.' Anyway,thats only my opinion, NOT advise as im 'not qualified' to give advise!!!!!!!!! Best of luck to you.


  • Pat
  • 10/10/08 30/11/12
  • unspecified
  • Offline
  • Tue, 17/04/2012 - 00:25


Thank you very much for the response. Much appreciated. I would actually dearly love to to do just as you suggest but the stupid plan was devised by those 'experts' you mention and it seems i cannot just take the cash!!! I am trying to find a way around this but no luck so far.

Really appreciate all your jokes, certainly brought me many many smiles...........

Not to your standards but worth a cringe at least:

  1. Two antennas met on a roof, fell in love and got married.
    The ceremony wasn't much, but the reception was excellent.

  2. A jumper cable walks into a bar. The bartender says, "I'll
    serve you, but don't start anything."

  3. Two peanuts walk into a bar, and one was a salted.

  4. A dyslexic man walked into a bra.

  5. A man walks into a bar with a slab of asphalt under his arm,
    and says: "A beer please, and one for the road."

  6. Two cannibals are eating a clown. One says to the other:
    "Does this taste funny to you?"

  7. "Doc, I can't stop singing The Green, Green Grass of Home ."
    "That sounds like Tom Jones Syndrome."
    "Is it common?" "Well, It's Not Unusual."

  8. Two cows are standing next to each other in a field.
    Daisy says to Dolly, "I was artificially inseminated this morning."
    "I don't believe you," says Dolly.
    "It's true; no bull!" exclaims Daisy.

  9. An invisible man marries an invisible woman. The kids were
    nothing to look at either.

  10. Deja Moo: The feeling that you've heard this bull before.

  11. I went to buy some camouflage trousers the other day, but
    I couldn't find any.

  12. A man woke up in a hospital after a serious accident.
    He shouted, "Doctor, doctor, I can't feel my legs!" The doctor
    replied, "I know, I amputated your arms!"

  13. I went to a seafood disco last week, and pulled a mussel.

  14. What do you call a fish with no eyes? A fsh.

  15. Two fish swim into a concrete wall. The one turns to the
    other and says, "Dam!"

  16. Two Eskimos sitting in a kayak were chilly, so they lit a
    fire in the craft. Not surprisingly it sank, proving once again that
    you can't have your kayak and heat it too.

  17. A group of chess enthusiasts checked into a hotel, and
    were standing in the lobby discussing their recent tournament
    victories. After about an hour, the manager came out of the office,
    and asked them to disperse.
    "But why," they asked, as they moved off.
    "Because," he said. "I can't stand chess-nuts boasting
    in an open foyer."

  18. A woman has twins, and gives them up for adoption. One
    of them goes to a family in Egypt , and is named 'Ahmal.' The
    other goes to a family in Spain ; they name him 'Juan.' Years later,
    Juan sends a picture of himself to his birth mother. Upon
    receiving the picture, she tells her husband that she wishes she
    also had a picture of Ahmal. Her husband responds, "They're twins!
    If you've seen Juan, you've seen Ahmal."

  19. Mahatma Gandhi, as you know, walked barefoot most of
    the time, which produced an impressive set of calluses on his feet.
    He also ate very little, which made him rather frail and with his
    odd diet, he suffered from bad breath. This made him (oh, man,
    this is so bad, it's good), a super-calloused fragile mystic hexed
    by halitosis.

  20. A dwarf, who was a mystic, escaped from jail. The call
    went out that there was a small medium at large.

  21. And finally, there was the person who sent twenty different
    puns to his friends, with the hope that at least ten of the puns
    would make them laugh. No pun in ten did.


  • cottesmore
  • 21/10/08 16/07/12
  • a depositor
  • Offline
  • Tue, 17/04/2012 - 16:40

Hi Pat,
Thank you for your kind words of gratitude.
P.S Anything that makes people smile counts!!!
Best Wishes,