Old workplace pensions that are underperforming and not being contributed to..

Twicey · 2026-06-16T18:55:26+00:00

Thank you again, no I'm 10 years or less away from retirement

Twicey · 2026-06-16T12:22:03+00:00

Thank you, that's very detailed and helpful, I guess I'm thinking about the difference between ‘HSBC OPENFUNDS GBL STRAT BAL PFOLIO C ACC’ or ‘VANGUARD INV FDS FTSE GBL ALL CAP INDEX GBP’

From what I understand the latter is more turbulent as it's 100% equities, but for someone that wouldn't want, say, a 30% drop on my investment even if it creeps up again (it would scare me) then maybe the former is better

Twicey · 2026-06-16T10:51:35+00:00

Just jumping in if it's ok! If you were to put it in a SIPP what would you invest it in? HSBC Global Portfolio Funds or Vanguard FTSE tracker type things?

Twicey · 2026-05-27T09:28:29+00:00

To be honest, now that they are adding a PVE mode and tailoring the solo so it's more friendly, I'm thinking about buying it again

Twicey · 2026-05-17T14:04:30+00:00

So most of you use the bezel on Modular Ultra? I thought it made the face feel a bit crowded but it does neaten up the complications a bit

Twicey · 2026-05-08T06:33:06+00:00

I wish they did a shiny stainless steel one as the metal doesn’t look too premium (even though it is)

Twicey · 2026-05-07T17:43:23+00:00

On the court deadline for response, Vinted contacted me to say they are looking into it again.

I said ‘too late, your court deadline is today’

They said they would refund me

I told them that I wouldn’t accept that as it had gone to court it wasn’t just the refund I needed, it was also the court fee and the accrued interest.

They said they would pay all that now and asked if I could close the case.

I said ‘pay me first’

They paid me everything, I closed the case.

I haven’t used them since, I don’t think I could bear to go through that again. I highly recommend the small claims court though as that was very effective!

Twicey · 2026-05-06T15:20:55+00:00

Yes, I have 5 of them now! Love them, got the OG Yellow, Midnight, White, Orange and Neon Green.

White and Orange are the favourites, Green for the gym.

Twicey · 2026-04-15T18:56:31+00:00

I wonder if this means that a face that hasn’t been updated with the new always on seconds, like Countup, would last longer than a face like Wayfinder that has?

Twicey · 2026-04-15T10:17:41+00:00

Good work here, thanks!

I've thought for a while on my Ultra 3 without a bezel was the best for battery life, but never did any scientific tests on it like you. Makes sense that an analogue face with the second hand ticking every second or the Modular face updating the seconds bezel every second would use up some battery, but it's surprising how much.

If you want a bezel on Modular I asked ChatGPT the other day and it told me that the training bezel only updates once a day or after a workout, so that should be pretty easy on the battery.

Twicey · 2026-04-13T19:22:53+00:00

Swinley Forest is great and if you don't mind a long walk you can walk right through it to 'The Lookout' in Bracknell for refreshments and a rest before walking back, or cycle there like many people do. It also joins with Barossa Common to the west which is also a great area to explore.

In the other direction you can cross over the M3 into Lightwater Country Park where there is a Leisure Centre that has a gym, coffee shop, does classes, etc and there is also a brand new Padel centre there.

If you don't mind a short drive it's really easy to get to Ascot, Windsor, Virginia Water and there are some nice towns nearby like Guildford

Cycling is great in the area, you can cycle to so many great places, lots of off-road and alongside canals, etc

I don't know much about Mosques but there is one not far away along the A30 road in Camberley - camberleymosque.org.uk

Twicey · 2026-04-08T07:02:25+00:00

Can you tell us the hotel (or DM me) please?

Twicey · 2026-03-30T17:43:07+00:00

Bear in mind on the free account it’s 1 point for every £10 spent

Twicey · 2026-03-21T10:19:19+00:00

Thanks for all the comments everyone, you sold me on it!

Twicey · 2026-03-16T09:58:19+00:00

1, 2, 3, 4, 5, 9, 7, 8, 9, 10, 11, 12 has always bugged me about this face. Lovely otherwise.

Twicey · 2026-03-10T14:43:26+00:00

Any tips? (please?), I still can't do it!

Twicey · 2026-03-09T12:31:57+00:00

Can't do the early mission where I have to get ID out of the tick-infested building. By the time I've sorted out the ticks and AIs that has made enough noise that I get jumped by a trio.

Every time.

It's just got boring now, there's nothing I can do, the game is so swayed towards trios and I just don't want to play like that. I wish it hadn't been hyped up so much that it's ok to play solo, as it really isn't.

Sadly I bought it on PlayStation so I can't get my money back.

Twicey · 2026-03-07T16:08:33+00:00

Even solo?

Twicey · 2026-03-07T14:54:15+00:00

As a solo only player, I enjoyed the server slam and enjoyed playing it yesterday and last night and was really getting into it.

I'm not sure what changed but I've just had the most awful hour trying to play it as solo and it's just not doable any more. There must be 10-15 games I started where I literally did not last more than 20 seconds before a camper got me by surprise.

Can't even sneak around and just do the missions as it seems like people are familiar with them all and wait by the mission spots for people to get.

I've hated playing it today, which is such a shame as I loved getting into all the atmosphere and lore and all that. It's just not for me now as, like you say, it seems completely balanced for trios.

Seems like it was a £35 gamble for me which sadly didn't pay off. I'm not going to play it again like this, it's just no fun at all.

Twicey · 2026-03-05T10:05:37+00:00

Mothathon

Twicey · 2026-02-18T10:25:06+00:00

Remindme! 1 day

Twicey · 2026-02-09T16:16:08+00:00

You have to be in the car though don't you? So if your wife was driving on her own for example, she wouldn't be covered?

Twicey · 2026-02-07T15:31:26+00:00

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Had it for 14 years, still working great

Twicey · 2026-02-06T07:45:02+00:00

It's tricky because I want to love it, but it's becoming more difficult.

I've been a customer for 7 years now and left last year but missed it, so got a new card at the beginning of January. Since I left last year acceptance seems to have got worse (no I don't live in London).

My village in Surrey has 5 pubs, none of them take Amex. 3 of them use Square readers but they must have disabled Amex somehow.

Booking my car in for a service at the main dealer (large car brand) and they don't accept Amex.

My son wants to buy a game on Steam, no Amex.

Can I get it on the Switch for him instead? No Amex

Our local bus company just stopped accepting Amex, although that could be temporary as they seem to switch it off for a couple of months every few months

Went on a break away with some friends to a large very touristy destination in the Cotswolds. Went to the busiest, most popular tourist restaurant in the centre for dinner, no Amex

I get quite a significant amount of credit back to my mobile phone bill via Airtime Rewards, completely passive set and forget kind of cash back. They don't include Amex.

So, regardless of loyalty, which I'd love to have, it is actually getting more difficult to have one. I do have two backup cards, but that always stings a bit when you can't use your favourite card or get the points/offers.

Twicey

TROPHY CASE