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Will my UK FINAL SALARY PENSION lose its value? Christina Brady from Blacktower w/Moody | BayRadio
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Oct 29, 2024
Transferring out your UK Final Salary Pension has been a popular option but is it still worth doing? Christina Brady from @blacktowerfinancialmanagem7049 was back with Moody on BayRadio this week discussing pensions, the current state of the markets and with one or two hints on where and where NOT to invest at the moment. For any enquiries contact info@blacktowerfm FAO Christina or get in touch through the website: www.blacktowerfm.com Be sure to Like and Subscribe to our YouTube channel for more insights from BayRadio Spain, and follow us on Social Media: Website: http://www.bayradio.fm/ Facebook: https://www.facebook.com/BayRadioInSpain Instagram: https://www.instagram.com/bayradiospain/
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0:00
we specialize in protecting preserving
0:02
and growing your wealth Black Tower
0:04
financial management the team you want
0:06
by your side visit blacktowerfm.com 18th
0:10
of October already and happy to welcome
0:12
back Christina Brady from Black Tower
0:14
financial management normally when we
0:16
get into this I don't do all the uh how
0:17
are you redundant intimacy we call it
0:19
but I will ask how are you doing because
0:21
not been too well bless you every
0:22
morning no I haven't been too well the
0:24
last three weeks well it must have been
0:26
still slightly deaf yeah oh you got all
0:28
that because you made the mistake of
0:29
going to the UK on business uh and then
0:31
coming back and bringing something nasty
0:33
with you by the sounds of it yep and
0:36
it's taken a while to shake off still
0:37
still there had antibiotics and
0:39
everything but but still a little bit
0:41
hard of hearing to say the least it's
0:43
driving my husband mad you haven't had
0:45
the cough with it because I had that oh
0:47
no no oh that's all right that's really
0:48
annoying for everybody else and no just
0:51
fever and that sort of thing but no
0:53
cough really well I'm glad you're on the
0:55
menu they must have been serious to miss
0:56
doing your little slot on the radio here
0:57
with me uh I know one time I'd lost my
1:01
uh voice and next time I was literally
1:03
completely deaf so I couldn't have heard
1:06
you even with this uh microphones uh I
1:08
mean earpiece stuffed in my ear I
1:10
couldn't have heard you so okay well as
1:12
long as you're on road to recovery by
1:14
the sounds of it's and obviously you'll
1:15
have been doing some bits so obviously
1:17
keeping an eye on things and doing some
1:18
work from home um so let's catch up
1:20
where were we um I mean how many
1:22
chancellors ago did we not speak to you
1:25
two or three
1:28
um so all that going on at the moment
1:29
and it was pretty much you turning on
1:31
everything from the how many yeah that
1:33
mini budget I think could come up
1:35
um yes yeah that was one I was off yeah
1:37
now that's all gone yeah and uh it had
1:40
to sort of when they sort of withdrew
1:42
all of that and did the u-turn on it did
1:43
have a reasonable impact especially on
1:45
the exchange rate so it's up to 115
1:47
something now yeah I think yesterday it
1:49
was over 116. uh it's just down slightly
1:52
this morning 115 22.
1:55
um and the ftse world it's up one
1:58
percent it's a 6993 at the moment oh
2:01
yeah
2:02
um and they're saying that the markets
2:04
are pleased that hunt has killed they're
2:06
calling it trussonomics but by ripping
2:09
up the mini budget
2:11
um but it's not all good news because
2:13
Jeremy Hunters obviously said that he's
2:15
got to find money and he's uh he's
2:18
hinted that he may not restraw the
2:20
triple lock to State pensions if you
2:22
remember Boris got rid of the triple
2:24
Locker made it double lock and then
2:27
everywhere for conservative set right
2:29
next year or come back you'll get your
2:31
triple lock so it's expected the state
2:34
pensions was Rise by at least eight
2:36
percent Jeremy Hunt has now said that he
2:39
may not be able to do that so we'll have
2:41
to wait and see and also there was meant
2:44
to be a cap on elderly care costs and
2:46
this could be a risk as well so that
2:48
will have a big impact on retired people
2:50
in the elderly in the UK so that triple
2:53
lock what just remind us that that makes
2:55
that gives you the best out of three if
2:58
you like yes it does you get the main
3:01
thing is inflation uh at the moment
3:03
before it didn't really matter but now
3:06
obviously with inflation goes so high it
3:10
is really really important so what it
3:12
means it must the state pension must
3:14
rise in line with the highest of three
3:16
possible figures so that is inflation
3:19
average earnings are 2.5 percent okay
3:23
that's where we're at and um with the
3:25
with the rise in interest rates is that
3:27
being passed on as safe as seeing any
3:30
benefit no no it's taking its time
3:32
anyway at least
3:34
not really
3:36
um safe is in the UK I'll get his
3:38
slightly better deals but Santander has
3:40
just removed their best deal uh so it's
3:43
it's really hit or miss and in the
3:45
Eurozone we see no real increase in uh
3:49
deposit rates for money at all so and if
3:53
you are in the Eurozone and you have
3:55
Sterling you want to place it in a
3:56
deposit account in the UK unless you
3:59
already have an account open with that
4:00
bank I'm afraid you can't because they
4:03
won't open savings accounts or bank
4:04
accounts for non-residents so unless
4:07
it's your bank that is offering a good
4:09
deal on Savings in the UK If you have a
4:13
UK bank account then I'm afraid you you
4:15
can't utilize it so for most people the
4:19
more most important thing is has
4:21
anything happened in the Eurozone and
4:22
within Spain no savage rates on deposits
4:26
are still abysmally low and I think they
4:29
will continue that way yeah because of
4:32
course um if you're in the Eurozone
4:34
that's centrally the uh the the rates
4:36
the interest rates yeah all right
4:39
um it's another note I made because it
4:41
kind of ties in with that as far as
4:42
interest rates because okay and maybe
4:44
eventually some benefits for Savers but
4:46
if you've got a mortgage
4:48
um then I could tip you over the edge if
4:51
you were right at the you know up to the
4:53
limits as far as monthly payments go
4:55
um what about changing I did see a note
4:57
about changing from the variable rate to
4:59
fixed rate how easy is that or not it
5:02
it's quite easy if you remember I think
5:04
it was about a year ago I started
5:06
telling people when I was on this
5:07
program that if they had a mortgage to
5:09
look at fixing it because at the time
5:12
rates were very very low that were being
5:14
offered by Banks and you could fix it
5:16
for 5 10 15 20 years at a very very low
5:20
rate now if you try to fix it you're not
5:24
going to get such a good deal because
5:25
obviously the banks though interest
5:26
rates are going to go up so they're not
5:28
going to offer to sell something where
5:29
they're not going to make money but you
5:31
can still go to your bank because on a
5:33
variable you know know if interest rates
5:36
rise even more which they will do
5:37
towards the end of this year beginning
5:39
of next year and then hopefully we'll
5:41
see the end of that then your mortgage
5:44
is going to rise and I know lots of
5:46
people in the UK who are mortgaged at
5:49
their limit and any more interest rate
5:51
Rises are going to mean that they're
5:52
going to have to sell their property and
5:54
downsize so it's having a huge impact if
5:57
you look at the UK housing market uh
6:00
demand has dropped by 15
6:02
and also belway the UK house Builder
6:05
says sales of for reservations for new
6:08
bills have fallen by 12.4 since August
6:12
and that's a huge drop yeah I know when
6:16
time sort of flies by really quickly but
6:18
it only seems like there was the
6:20
recovery and then they're building lots
6:21
of properties and then suddenly it's
6:23
it's upended again it's it's not not
6:25
long it's not such a good period as they
6:27
used to be like the longer periods of
6:29
growth times
6:32
um then it double goes the way of the
6:34
pair again uh that seems to be where
6:36
we're at the moment we were talking
6:37
about a price correction in the housing
6:39
market is that likely to be a thing
6:41
anytime soon is that happening right now
6:43
I think it's happening now what's
6:45
happening is sellers are still trying to
6:47
put their houses on for the top price
6:48
but obviously with a reduction in buyers
6:51
of 15 it means that they're not getting
6:54
those prices so I think most sellers are
6:56
putting their houses on a premium
6:58
accepting that they're going to have to
7:00
take a lower price when it comes to sell
7:02
them if they do sell them okay so that's
7:04
where we're at and it looks like we
7:05
closed up quite a bit in the states
7:06
yesterday
7:07
um I know the from Friday the NASDAQ
7:09
fell down over three percent it's made
7:11
that back what was it traded yesterday
7:13
so as you were it was up 3.4 and as you
7:16
say up a little bit so far this morning
7:18
everything in Europe over one percent
7:19
and back towards the 7000 mark on the
7:22
ftse 100 in London while you were
7:24
talking about pensions a moment ago
7:26
getting on to final salary pensions
7:28
which is something we talked about over
7:29
the years maybe not quite the thing it
7:31
was a couple of years ago and you could
7:33
do a whopping transfer but still um in
7:36
the news as far as you're concerned yeah
7:42
Polly who is who lives in the UK about
7:44
her Deutsche Bank that's where we used
7:46
to work final salary pension and she was
7:48
in a panic she said that she saw a UK
7:51
adviser and he advised he told her that
7:54
the DB pension transfer value had fallen
7:56
by over 250 000 what should she do well
8:00
the answer is nothing because if you're
8:03
keeping your final salary pension its
8:05
value is immaterial it doesn't matter
8:07
what the value is your scheme will still
8:10
pay you the same regular income in
8:12
retirement exactly as it was before so
8:14
it doesn't matter if the value of your
8:16
transfer value of your pot goes up down
8:18
whatever you will still always get the
8:21
same pension what it does affect is if
8:24
you were going to transfer out
8:26
obviously because if you lost 250 000
8:29
what it will mean is that really the
8:32
advice should be not to transfer your
8:34
final salary pensions at the moment
8:36
unless you've got a real compelling need
8:39
to do it either you've got a terminal
8:41
illness or you've got a life threat you
8:44
know so it's going to shorten your life
8:45
expectancy
8:47
or you're single you're not married and
8:50
you've got no children and you want to
8:52
take your pension pot but otherwise
8:53
final salary pensions if their value is
8:55
decreased it means no difference to what
8:58
you will get at the end of the day that
9:00
is guaranteed and that's as long as your
9:02
employer still stays in business
9:04
obviously yeah because they're like a
9:07
guarantee of your pension if they go
9:09
under it falls under the pension schemes
9:11
and you are limited to a certain amount
9:13
of income you can get a year and the
9:15
reason your pension value has fallen on
9:17
Final salary pensions is interest rates
9:19
are rising so pension schemes can get a
9:22
better return on their assets so they
9:24
don't need so much money to finance the
9:27
pension promise so when interest rates
9:29
were low they had to say because
9:31
um pension schemes hold a lot in cash in
9:34
guilts in government bonds so when
9:36
interest rates were low they had to hold
9:39
back more money to pay out to you so and
9:42
now those rates have gone up but that
9:45
means they have to hold Less in the pot
9:46
so if you've got a final salary pension
9:48
and you're keeping it it doesn't matter
9:51
what the transfer value is it's
9:53
immaterial it does affect you if you are
9:56
going to transfer your pension because
9:58
as I said most pension pots have gone
10:01
down if not by a third some of them even
10:03
by half the transfer values so if you
10:07
were thinking of transferring your
10:09
pension you need to get a transfer value
10:12
and see if it's still worthwhile doing
10:14
it once you get a transfer value they're
10:16
usually valued for three months and if
10:19
you want another one within a year you
10:20
usually have to pay and the cost for
10:22
that is between 250 and 500 pounds
10:25
usually for a transfer value and all it
10:28
means is that people you know you just
10:30
have to be careful
10:32
um most at the moment obviously there's
10:34
been a lot of turmoil in the markets and
10:36
most pension pots have decreased in
10:38
value whether in your final salary or if
10:41
you're in a defined contribution scheme
10:44
or if you've got a private pension but
10:47
really it doesn't affect you unless you
10:50
are close to retirement age because most
10:53
people are either protected if you have
10:55
a DB pension or you've got time to ride
10:58
out the market if you're near to
11:01
retirement then obviously you haven't
11:02
you meet may need to amend your plans
11:05
say take less from your pension pot than
11:07
you expected and just wait for the
11:10
current market to eat crisis to ease so
11:14
that's pension so if you have a final
11:15
salary pension and you found out his
11:18
transfer value has fallen Please don't
11:20
panic and if you were going to transfer
11:22
it obviously it has a big impact but if
11:24
you're going to leave it with the scheme
11:26
as I'd say 80 of people would then it
11:30
means nothing to you at all yeah you're
11:32
still going to get it as a pension as
11:33
you say that that's a fixed amount um is
11:35
it those are the reasons why I mean we
11:37
talked about it certainly a year or two
11:39
ago that it was quite a big thing you
11:41
could make a lot by doing the transfers
11:42
it's not so much now is that the reason
11:44
no because what happens is when people
11:46
come to us they say like my transfer
11:48
value is a hundred thousand let's just
11:50
say and they're offering me say before
11:52
they're offering them an annual uh
11:55
pension of say 1 500 per annum
11:59
well obviously then that means you've
12:01
got to live a long time to use up that
12:03
pension pot however if you're 50 and now
12:06
you're coming with a hundred thousand
12:07
and they say they're offering you say
12:10
five thousand a year
12:12
obviously there's no point to transfer
12:14
it because you haven't got to live that
12:15
long to use up your pension pot I see
12:18
yeah okay and it's that's really what
12:21
you you look for an enhanced transfer
12:23
value because what people are getting
12:24
was something like say they were 55 they
12:27
were getting a transfer value which
12:29
meant they had to live for another 65
12:31
years to use up their pension pot so
12:33
they would have to be like 110 120 to
12:37
use it up and most people aren't going
12:39
to live sorry to say this but part this
12:41
past their late 80s early 90s so
12:44
therefore it made sense to transfer them
12:46
sure okay so that's where we're at with
12:48
those now you mentioned annuities let's
12:51
talk about annuities actually can you
12:52
talk about annuities because I don't
12:54
know what to it's too hard I can't
12:55
understand it annuity you've got two
12:57
types in the UK you've got a temporary
12:59
annuity and a whole life annuity with a
13:02
temporary annuity you give up part of
13:04
your pension pot to have a guaranteed
13:07
income for between three and five years
13:09
and it's fixed and it has a residual
13:11
value in your pension so to say right
13:13
for three to five years you can have
13:15
this pension and it will mean you've got
13:16
x amount left in your pension pot if you
13:19
have one of those the Spanish treat it
13:21
very very favorably with regards to
13:23
taxation on your income uh usually
13:26
income tax is zero and then you put the
13:28
whole of Life annuity where you give up
13:30
your whole pension pot
13:33
um in return for a guaranteed income for
13:35
life you could either do that on a soul
13:37
life or a joint life but what that means
13:39
is if you only live for two no say say
13:42
five years and you die your pension pot
13:45
dies with you there's nothing to leave
13:47
to anyone else now annuity rates at the
13:49
moment are a 13-year High
13:52
the life annuity rate if you're around
13:56
about 55 is now 55 to 60 is about five
14:00
percent and it goes up according to your
14:02
age whereas before we were looking at
14:05
annuity rates of about two percent
14:08
so there's been a huge difference
14:09
however I would say in an Ideal World
14:12
you shouldn't put hold of your pension
14:14
into an annuity because still if you're
14:16
getting five or six percent is well
14:17
under what inflation is at the moment
14:19
but it is an alternative for part of
14:22
your pension pot
14:24
um either to do a temporary or a whole
14:26
life annuity uh so so something maybe to
14:30
look into I think interest rates will
14:33
rise more towards the end of this year
14:34
beginning next year so if you are
14:36
thinking of buying a new UT it might be
14:39
worthwhile just holding off another two
14:41
or three months to see what happens
14:43
because you can get another one or two
14:45
percent on the rate they're guaranteeing
14:46
you for life it's worthwhile waiting
14:49
okay now when we talk about
14:51
um diversifying and you have all sorts
14:53
of different Investments I um what
14:55
sprung to mind you know when when you
14:58
come to Spain now there's the different
14:59
types of visas the golden Visa you'd be
15:01
uh particularly aware of I'm sure it
15:03
doesn't necessarily just mean the house
15:04
with 500 000 or more you can buy like
15:08
debts you can buy your government bonds
15:10
what's doing many people do that
15:13
no
15:14
there's lots of lots of it to buy
15:17
there's lots of it to buy out there of
15:18
course
15:20
yeah but how does that work I mean do
15:23
many people get they don't get involved
15:25
in that as part of portfolios no no I
15:28
usually
15:28
usually if they when they apply for Visa
15:30
so I'd hand them over to a Visa
15:33
so we'll then talk them through the
15:34
options because the options you've got
15:36
if you don't spend it on property
15:37
they're obviously set down by the
15:39
government yeah so what you you could
15:41
invest in
15:43
so we have no say in that but as I said
15:45
if what I've spoken to who's gone for
15:47
the golden Visa has gone with buying a
15:50
property yeah that would make sense I
15:52
just wondered if it was a thing that's
15:54
all and also just um we're always you're
15:57
you on you know look out for scams and
16:00
what sounds too good to be true Etc I
16:03
this is a note I made from probably well
16:05
four weeks ago when we were last year on
16:07
about
16:08
um owning tasks of whiskey
16:11
as an investment eight to eighteen
16:14
percent return per annum there on the
16:15
backs there
16:16
um how good does that sound to you
16:19
unless I had the barrel Whiskey in my
16:21
position I'd say or I'd be very wary
16:24
it's like all the wine scams there used
16:26
to be you know you invest in wine you're
16:28
going to get great return of 20 30 and
16:32
when it came to it there was no wine so
16:34
you have to be very very careful with
16:36
these schemes usually if they sound too
16:38
good to be true they are I do a lot a
16:41
lot of research
16:43
um into it you know obviously they're
16:44
not going to be regulated you've got no
16:46
right of recourse if they go wrong so
16:49
just be very very careful
16:51
um it's times like now when you know
16:53
inflation is higher savings can't keep
16:56
up with uh inflation Investments the
16:59
market is in a bear Market that people
17:01
attempted by these types of schemes and
17:04
you do have to be very very careful yeah
17:06
I guess with that particular example
17:08
you're investing early on it's something
17:10
that gets more valuable the older it
17:12
gets it's the you know yeah if it's
17:14
actually there yeah
17:16
all right so yes I do do your research
17:19
and just look out for what appears too
17:22
good to be true as Christina will always
17:24
tell you and look out for phone calls
17:26
and all that sort of thing anything else
17:27
we need to add while we're here I think
17:28
we've covered yeah just
17:31
as people look it all seems to do is
17:32
Doom and Gloom but really there are some
17:35
things on the horizon that could make
17:37
life easier as I said interest rates is
17:39
expected there'll be more Rises at the
17:41
end of the year early 2023 and then
17:45
hopefully we'll be at the end of the
17:47
rate Rising cycle so that will help the
17:49
markets also shipping costs house prices
17:52
and in general oil prices are beginning
17:55
to reduce so that will help reduce
17:57
inflation into the new year and energy
18:01
packet packages like the Spanish
18:03
government have brought in and hopefully
18:05
rest of Europe and the UK will help
18:07
consumers and also there's another thing
18:11
um since
18:13
1935 every time the s p index that's the
18:16
American index has fallen more than 20
18:19
in the calendar year the following year
18:21
it has been positive with an average run
18:23
of Return of around 25
18:26
so I know it's been a challenging year
18:28
to say the lease for markets
18:31
um and it's still going to be
18:32
challenging I reckon for the rest of
18:34
this year beginning of next year but if
18:35
people haven't invested it might be a
18:37
good time to dip your toe in the market
18:39
uh things are a lot cheaper than they
18:42
used to be and for those people that are
18:44
invested as we know it's cyclical uh so
18:47
we should start to see an upturn towards
18:49
the middle end of next year and then
18:52
hopefully we'll return to a bull market
18:53
for a while yeah we do always say it's a
18:56
long-term thing and don't panic but
18:57
sometimes that's easier said than done
18:59
when you're watching things tank it is
19:01
it's much easier said than done
19:03
um it's just hold your nerve if you do
19:05
sell in a falling Market you're actually
19:07
crystallizing your loss so you're
19:09
actually making it a physical loss if
19:11
you ride it out then obviously you're
19:13
not you've gone through the downturn and
19:15
into the upturn if you look at
19:17
2007-2008 huge crash quite a lot of
19:20
people sold out lots of people got rich
19:22
buying the stuff that people have sold
19:24
and if they'd waited six 12 months their
19:27
portfolios would have doubled in values
19:29
in value or more than that so so it is
19:32
just ride it out just just be there and
19:34
if you're looking at things in the
19:35
markets there's a electrical car company
19:38
in China I haven't heard of which is byd
19:41
co and it's China's biggest electric car
19:44
maker and it's third quarter profits of
19:47
quadruples and it exceeds its sales
19:50
leads over Tesla so it's it's Market is
19:53
growing and growing they're saying that
19:55
20 of cars have sold in China over the
19:58
next year or so are going to be electric
20:00
which is a huge market so that's
20:03
something to keep an eye on if you're
20:04
looking at stocks and shares one thing
20:07
to get rid of is Credit Suisse the
20:10
beleaguered Swiss bank it's going to
20:12
place its UK Asset Management arm for up
20:14
for sale it has huge problems you know
20:16
it's had money laundering scandals it's
20:19
had various other things so Credit
20:21
Suisse at the moment is not looking a
20:23
good bet and just a quirky bit of news I
20:26
was looking on the health and
20:27
pharmaceutical side on Reuters and full
20:30
the women out there that use hair
20:32
straighteners please be very very
20:34
careful there's been a large study done
20:36
and it says if you use it hair
20:39
straighteners frequently it does
20:42
significantly increase the risk of
20:44
developing uterine cancer the rate goes
20:47
up from 1.6 which is normally is to over
20:49
four percent just a bit of non-finance
20:52
related news there but if you have got
20:54
shares in hair straighteners that could
20:56
affect that company's stocks and shares
20:58
and their price for a while did it
21:01
explain why I can't see the link there
21:03
maybe it's it's
21:05
a whole study's there if someone wants
21:07
to look at it yeah there's further
21:09
reading there for sure let's not get
21:10
into it now okay well no but that was
21:13
just some by the side news but as I said
21:15
at the moment the markets are low uh as
21:18
you looked at the s p you know
21:19
everything's down
21:21
um but not today if we're looking at
21:23
rather than done everything's up and the
21:25
pound the euro to Sterling is over 115.
21:27
Let's uh perhaps on the side of her head
21:29
and we're looking we're looking positive
21:30
foot she's gone over seven thousand
21:32
that's just yeah seven thousand even
21:34
Bitcoins up one percent yes it is it's
21:36
gone back up today I'm watching that as
21:38
it goes checking in my wallet you know
21:41
that's a bit worrying for people that
21:43
had Bitcoin but as I said you know when
21:45
you put your money in there you were
21:47
taken a gamble you've just got to uh to
21:50
to hold your nerve and it you know
21:52
people are saying stock markets are set
21:54
for a boom towards the end of 2023 it
21:57
could take a bit longer but you know it
22:00
is cyclical things will come back up
22:02
again so please just hold tight all
22:04
right anything we've talked about
22:04
especially your pension stuff that sort
22:06
of thing you can get in touch with
22:07
Christina and Black Tower so
22:09
blacktowerfm.com is the website if they
22:11
want to come to you directly if you uh
22:13
need anything you can always email info
22:16
at
22:17
blacktowerfm.com if you put for the
22:19
attention to Christina or Bay radio uh
22:22
someone will call you and it will come
22:23
through to me or as Moody said go to our
22:26
website fill in a contact form again put
22:29
Christina or Bay radio and we'll look at
22:31
it and it's not just for the Costa
22:33
Blanca we cover the whole of Spain the
22:35
lyrics
22:36
uh the Canary Islands we got offices in
22:39
the Canary Islands we also cover the
22:41
whole of Europe so France Italy Germany
22:43
Portugal
22:45
Netherlands UK and the Americas so if
22:49
you have any questions to talk or if you
22:50
get in touch we will come back to you
22:52
and we will try and help you Portugal's
22:54
really creeping up isn't it as far as
22:56
people moving there and then you know
22:57
the U.S yes it's sort of a phenomenal
23:00
increase in U.S people moving there what
23:03
the Portuguese government did was it
23:05
introduced the golden Visa a lot sooner
23:07
than Spain and also they've got very
23:10
very uh exceptionally good deals on tax
23:14
on pensions so if you're a pensioner
23:16
moving to Portugal at the moment is very
23:19
very uh a very good idea if you've got a
23:23
larger pension because the tax rates are
23:25
very very low yeah right something to
23:27
keep an eye on all right well thanks
23:28
ever so much for your time we wish you
23:29
hope you get better soon
23:31
with your ear trouble I bet you're doing
23:33
that thing that you put banging the side
23:35
of your head and rattling your finger
23:36
around and you're right come on come on
23:37
clear yeah you need to hear stuff and it
23:39
sounds like echoey when you tap your
23:41
head it's quite weird oh it's like that
23:43
yes I know that feeling all right well
23:45
as I say yeah on the road to recovery
23:46
and we'll talk to you in a couple of
23:47
weeks time all being well yes thank you
23:49
very much
23:51
foreign.com the website for all the
23:54
details and we're talking a fortnight's
23:56
time here listening and exceeding
23:58
expectations for over 31 years Black
24:01
Tower financial management the team you
24:03
want by your side visit blacktowerfm.com
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