Adam Carmichael

Husband to @NikkiCarmichael and proud dad to Seth and Evelyn. I try my best to enjoy life. Music, football, running, travelling...

[Adam Carmichael @carmichilli]

@GCHQ Sweden

[Adam Carmichael @carmichilli]

@MAPSinclair @Paul49575522 @MartinSLewis On first listen I thought it was just inherited pensions that were subject to iht. I.e if I had a pension I had inherited from a parent it would be in my estate for iht. But looks like it is worse than this and could be more simply put…pensions no longer exempt from iht.

[Adam Carmichael @carmichilli]

@MAPSinclair @MartinSLewis Sounds like pension death benefit nominations will need to be carefully reviewed to share between spouse and children on member’s death. Rather than just leaving fully to spouse on first death with plan to pass on to children on second death.

[Adam Carmichael @carmichilli]

@nickmcp71 @surfdoctor @rodgman_emily @GCHQ Complete (backwards)

[Adam Carmichael @carmichilli]

@dusk_uk I’ve been caught out by someone impersonating this account. If you provided a phone number for customers or replied to emails or tweets effectively and quickly then scammers would not be able to take advantage!

[Adam Carmichael @carmichilli]

@dusk_uk do you have a phone number for customers? My wife @NikkiCarmichael is trying to sort an issue with you regarding the delivery of a bed we’ve ordered but is unfortunately getting nowhere with yourselves via email. Thanks.

[Adam Carmichael @carmichilli]

@dusk_uk__ It’s disappointing customers can’t speak to someone. I will send a dm as you suggest. I really hope this will prove more helpful than the email service provided so far.

[Adam Carmichael @carmichilli]

@ADHaxi 🤞 you too Hax!

[Adam Carmichael @carmichilli]

Are you kidding me VAR? #nufc

[Nikki Carmichael @NikkiCarmichael]

Congratulations @carmichilli #pfs what an achievement!!

[Adam Carmichael @carmichilli]

@MPJourno I know 😞… Get Nikki on the phone! 😂

[Adam Carmichael @carmichilli]

Current state of play in Morpeth. River burst it’s banks near old Leisure Centre. #flood

[Adam Carmichael @carmichilli]

@PeterCrouchPod Highland Park Ji-sung

[Adam Carmichael @carmichilli]

@PeterCrouchPod Mai Tai-rone Mings

[Adam Carmichael @carmichilli]

@GCHQ Fibonacci

[Adam Carmichael @carmichilli]

New strip has arrived! Love it! #nufc

[Adam Carmichael @carmichilli]

Some perspective, if we match LIVs results in the next 2 games then we get CL, regardless of what happens in GW38. I think our 2 games are slightly easier; we play LEI at home whilst LIV play them away, and BHA at home for us and AVL at home for LIV are similar challenges. #nufc

[Adam Carmichael @carmichilli]

@GCHQ Cub!

[Adam Carmichael @carmichilli]

@MorpethAllSaint Well done Seth!