Chris Philcox

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Chris Philcox

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

east sussex Beigetreten Haziran 2010
2.4K Folgt757 Follower
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Chris Philcox
Chris Philcox@Firephilo·
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
FT Adviser@FTAdviser

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

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Chris Philcox
Chris Philcox@Firephilo·
Trippier simply shouldn’t be playing at this level. It’s ridiculous how many chances and goals he costs us. It’s incredible why Howe persist with him #NUFC
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lookin ahh
lookin ahh@lukkin_ahh·
@Firephilo So that just proves Eddie can’t handle more than 1 game a week, what’s the point in going for Europe every season if the manager can’t cope with it?
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Chris Philcox
Chris Philcox@Firephilo·
On twitter I see 3 types of fans. Fans blaming officials, fans blaming Howe and then proper fans who understand we just don’t have the players to compete.
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Ibn Gordo
Ibn Gordo@PassBoaz·
@Firephilo Quality enough for what? What’s your end game?
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lookin ahh
lookin ahh@lukkin_ahh·
@Firephilo But we did have the players to compete last season and yet we got worse after spending £250m?
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Chris Philcox
Chris Philcox@Firephilo·
@AverageNUFC That’s fair. The decisions certainly didn’t go our way but didn’t decide the tie.
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Average NUFC
Average NUFC@AverageNUFC·
@Firephilo You can blame Howe, the officials, or anything else if it’s justifiable, and still know the players aren’t there to compete with these teams Barca did not play well over the whole tie, they didn’t have to, we were crap That doesn’t excuse the clear bias from officials though
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Chris Philcox
Chris Philcox@Firephilo·
@northeastste It’s not good enough is it. Think it’s down to injuries, lack of quality, poor form and knackered players
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northeastste
northeastste@northeastste·
@Firephilo Newcastle United have conceded FORTY THREE goals in 2026 - and 3+ goals in a game EIGHT times since January 1st.
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Chris Philcox
Chris Philcox@Firephilo·
@Nolberto099 Cause it felt like we’d made the step forward to really compete. Won a trophy, qualified champions league, money to spend to build a really strong team and squad and yet we are a much worse team than we were 12 months ago. Feel like we missed our opportunity
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AJK
AJK@Nolberto099·
@Firephilo Why are you so upset?
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Chris Philcox
Chris Philcox@Firephilo·
Great debating with a lot of #NUFC fans on here tonight. We all care, we are all hurting tonight. We definitely all get emotional. I’m so upset at where we are 12 months on as a squad but I love my team. Always have. Always will
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Mark Shackley
Mark Shackley@markshackley·
@Firephilo You are right, so the question is. Who scouted and pushed to buy Wissa, Woltemade and Elanga? £190m on players that aren’t good enough. Surely you would agree that person should be replaced?
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Chris Philcox
Chris Philcox@Firephilo·
@PassBoaz I can’t agree that burn. Trippier, Willock etc are quality enough but glad you have faith in them.
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Ibn Gordo
Ibn Gordo@PassBoaz·
@Firephilo I’d argue we do, and we display it. What has hindered us is self sabotage and poor team set ups.
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Chris Philcox
Chris Philcox@Firephilo·
@Miksa_83 @Vega_04 I see your point but we aren’t at the stage where we can afford to develop someone that raw. The players you mentioned either all were higher quality already or got limited minutes
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Michael Stoker
Michael Stoker@Miksa_83·
@Vega_04 @Firephilo Eddie is good at developing players look at isak and Anderson joelinton Bruno Tonali what he had turned them in2 he has had Osula long enough to turn him into a top quality player the only difference is he doesn’t get enough minutes to play and learn at the highest level
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Chris Philcox
Chris Philcox@Firephilo·
This is really the time for us to now focus on making major changes. Murphy, burn, Tripps, Willock, pope, Barnes have to go. They are nowhere near the level required. Play with heart and good professionals but we can’t progress with them #NUFC
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Chris Philcox
Chris Philcox@Firephilo·
@toontoon999 Yeah fair point. You tell me half a dozen players we can sell for near his value and I’ll change my mind
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Me 🏴󠁧󠁢󠁥󠁮󠁧󠁿
@Firephilo I’d put him well down the list to clear out. Can think of half a dozen easily and we ain’t signing more than that this summer.
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Chris Philcox
Chris Philcox@Firephilo·
@Miksa_83 @Vega_04 I just feel we are not a club who should be having a raw diamond starting. He should be on loan developing his game
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Michael Stoker
Michael Stoker@Miksa_83·
@Vega_04 @Firephilo Osula should get more starts for me as a number 9 he’s physical aggressive presses plays on the edge yeah he is a bit clumsy sum times but for me he has everything a diamond with a few rough edges needs more minutes
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Chris Philcox
Chris Philcox@Firephilo·
@TerjeBrede We presume that they’d come and agree to the current structure
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Chris Philcox
Chris Philcox@Firephilo·
@toontoon999 Yup good finisher, poor team player, has good value and 29 not a player who gets in any top 4 side in major leagues. Dont dislike him at all but for me he goes as part of the overhaul
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FECB
FECB@PMB28593434·
@Firephilo @Nufc__Tom Nothing stopping us from employing better coaches, scouts etc. We just want jobs for the boys. Steve Harper, Shola, Andy Howe. It's a joke.
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Chris Philcox
Chris Philcox@Firephilo·
@PassBoaz Totally agree but doesn’t deter from my point that we don’t have the quality of players to compete
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Ibn Gordo
Ibn Gordo@PassBoaz·
@Firephilo Everything you’ve described there are fundamental issues above the pay grades of the players on the pitch.
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Chris Philcox
Chris Philcox@Firephilo·
@Alan19673 I get the Barnes argument. For me his value over ability means we move him on. Loads of people angry about me choosing Barnes and see their point but he just isn’t a top level player
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Alan1967
Alan1967@Alan19673·
@Firephilo The only one I'd keep is Barnes he will be a decent squad player.
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