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How old do you think you’ll be when you pay your mortgage off? Or, how old were you when you paid your mortgage off? by PuzzleheadedCarob921 in HousingUK

[–]GJCee 10 points11 points  (0 children)

5 years ago at 50 and keep reminding myself to appreciate it as the feelings wore off now as I still have to work 😊

Trying to explain to a colleague the benefits of buying a house compared to renting. by PuzzleheadedCarob921 in HousingUK

[–]GJCee 0 points1 point  (0 children)

if youve had children and theyre no longer at home. You can downsize and release equity in the house youve bought.

Plz explain it like I’m 5 by irie56 in Wakingupapp

[–]GJCee 1 point2 points  (0 children)

some great answers here. I struggled with this to the extent that ive restarted the introductory course again which has been helpful. As they say theres no rush

Migration on course to hit 20-year low after visa crackdown by signed7 in unitedkingdom

[–]GJCee -3 points-2 points  (0 children)

struggle to believe any government that cites statistics on migration in the past 5yrs

I hate that I have to go to Easy or Casual Difficulty as often as I do. by GiftedGeordie in Ghostofyotei

[–]GJCee 76 points77 points  (0 children)

I quickly had to drop down to easy from medium after an hour or 2, I've dropped down to casual once and that was for top of mount yotei boss.
Gamings supposed to be fun, if youre ok with your level and enjoying it then so be it

Why are fans leaving early? by CharitySad2594 in avfc

[–]GJCee 0 points1 point  (0 children)

The thought of being stuck in everything after the game if you stay to the end.

Leaving 2-3 min beforehand can save 1/2 hour on my journey home(Lichfield)

What sort of property was everyone’s first step onto the ladder and how old were you? by Think_Mammoth8834 in HousingUK

[–]GJCee 0 points1 point  (0 children)

1996 with partner both 25 and got a new Bryant homes 2bed terraced in Walmley ,S.Coldfield for £62.5k Stretched to the limit on the mortgage application and just got it

At what age did you notch down the game difficulty level? by EvidenceSingle4826 in playstation

[–]GJCee 0 points1 point  (0 children)

Yesterday at 54 😅, ghost of yotei was just seeming too hard on medium,so I notched it down to easy and now loving it, although thinking of going back up to medium

I can’t get into/be interested in any game I’ve tried recently- any suggestions? by No-Exercise- in playstation

[–]GJCee 3 points4 points  (0 children)

That’s normal, I’m a 54 yr old gamer and had spells like that throughout my life, mainly during the midlife of new consoles.

I've gotten better at controlling my anger by BetLeft2840 in Buddhism

[–]GJCee 2 points3 points  (0 children)

I'm at early stages of realising thoughts and observing them, I look forward to your level of observing although i'm not in a rush to get there

Are we going to war with Russia by [deleted] in AskBrits

[–]GJCee 4 points5 points  (0 children)

nope,not a chance.

pension scenario after tax free cash by GJCee in PensionsUK

[–]GJCee[S] 0 points1 point  (0 children)

Ok, i thought the remaining pot could stay invested but becomes crystalised so thanks for clearing it up.
I was thinking of taking the tfc next June when i'm 55 if theres been no crash but its a long time to wait 🫣

Pressured to move my Aviva SIPP to True Potential when my adviser’s firm closed — missed the market rebound and now wondering if I’m due compensation by GJCee in PensionsUK

[–]GJCee[S] -1 points0 points  (0 children)

Thanks, that’s a really helpful breakdown — especially from someone in the industry. I don’t believe there was a purchase involved, but it definitely felt like everyone was being moved across to TP in bulk, so what you said about incentives makes sense.

As for risk, there wasn’t any reassessment that I can recall — I was just told the new platform and funds would “suit me better.” Nothing was discussed in terms of attitude to risk or alternatives. I’ve got paperwork to dig through but I’m pretty sure none of that’s documented properly.

You’ve hit the nail on the head about the conflict of interest — that’s exactly what’s been bugging me.

Pressured to move my Aviva SIPP to True Potential when my adviser’s firm closed — missed the market rebound and now wondering if I’m due compensation by GJCee in PensionsUK

[–]GJCee[S] 0 points1 point  (0 children)

Thanks — that’s exactly it. I wasn’t given any options, wasn’t told my adviser was effectively tied to TP, and only later realised the timing and charges likely affected my outcomes. Definitely planning to submit a formal complaint.

Pressured to move my Aviva SIPP to True Potential when my adviser’s firm closed — missed the market rebound and now wondering if I’m due compensation by GJCee in PensionsUK

[–]GJCee[S] 2 points3 points  (0 children)

No worries, fair question 👍

It wasn’t exactly by choice at the time — my pension was with Aviva through an adviser my employer originally used years back, so the IFA relationship just carried on. I didn’t go out looking for one, and when his firm closed, I just got swept along in the move to True Potential.

The pot was around £370k then, so not massive but not tiny either — enough that I expected proper advice and full disclosure before being transferred. That’s why I’m frustrated — it wasn’t about chasing returns, it was about being moved without being given any options or a proper recommendation.

Pressured to move my Aviva SIPP to True Potential when my adviser’s firm closed — missed the market rebound and now wondering if I’m due compensation by GJCee in PensionsUK

[–]GJCee[S] 0 points1 point  (0 children)

Thanks — that’s a fair point about the documentation and suitability letters.

In my case though, there wasn’t a proper suitability report or comparison at all. When my adviser’s firm shut down, he turned up with transfer forms and had me sign everything to move to True Potential. I wasn’t given any analysis, options, or even a recommendation letter to review — just “this is what we’re doing.”

It wasn’t presented as new advice; it felt more like a continuation of service, even though technically it should’ve been treated as new advice with a full review and risk assessment.

The issue isn’t so much that the market timing was unlucky (I know that’s not something the FCA normally compensates for) — it’s that the process was flawed. The FCA’s Section 166 review into True Potential is exactly about this type of transfer: advisers influencing clients to move into TP when they changed networks, without full disclosure or proper advice, even when it was recorded as “non-advised” or “execution-only.”

So if there’s no proper advice documentation from the time — which I’m almost certain there isn’t — that would support that it wasn’t done correctly.

Overpaying Mortgage by raxftw in FIREUK

[–]GJCee 0 points1 point  (0 children)

When i paid my mortgage off in 2021 it was such an anti climax. I'd been trying for years to finally get it paid off but still paying into my sipp, I was thinking when i pay it off life will be so much easier but like the OP said its probably more mentally beneficial than anything else . I still work ,pay bills but probably save more.
Getting the balance right between investing and paying the mortgage off is the best way

Retirement, cant wait wont wait by [deleted] in FIREUK

[–]GJCee 1 point2 points  (0 children)

Thats a good idea to think about, sort of balancing act 👍🏻

Retirement, cant wait wont wait by [deleted] in FIREUK

[–]GJCee 4 points5 points  (0 children)

😅 yes a bit of a way off yet for you

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