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MickeyE

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  1. Like
    MickeyE got a reaction from Tricky in Are mortgage advisors worth paying for?   
    I've taken out quite a few mortgages over the years, some I've gone direct to mortgage co, some I've used a broker.
    I would definitely advise anyone to shop around direct as well as speak to brokers. As brokers have access to a lot of offers that aren't available to the general public.
    I wouldn't pay a fee though. From my experience all the decent brokers have access to the same deals whether they charge a fee or not. 
    Also be careful as IME some of the brokers will try and steer you towards deals that they earn the most commission on rather than the one that is actually best for you.
    But you should be able to get a feel for this if you speak to enough of them. 
  2. Like
    MickeyE got a reaction from Tricky in Are mortgage advisors worth paying for?   
    I've taken out quite a few mortgages over the years, some I've gone direct to mortgage co, some I've used a broker.
    I would definitely advise anyone to shop around direct as well as speak to brokers. As brokers have access to a lot of offers that aren't available to the general public.
    I wouldn't pay a fee though. From my experience all the decent brokers have access to the same deals whether they charge a fee or not. 
    Also be careful as IME some of the brokers will try and steer you towards deals that they earn the most commission on rather than the one that is actually best for you.
    But you should be able to get a feel for this if you speak to enough of them. 
  3. Like
    MickeyE got a reaction from Sasnak in Remortgage and extension   
    Couple years ago I took some equity out of 2 investment properties to use for some work I did on my own house. Worked out pretty well.  Even after adding 40k to mortgages (split between 2 ) my mortgage payments are considerably lower than they were before, as I moved from standard variable rate with one mortgage co to a much lower 5 year fixed rate with another.
    2 bits of advice I would give. Shop around for best rates you can find, speak to mortgage brokers as they can get some deals that are not available to general public. One I ended up using after speaking with several are called London and Country mortgage brokers. They had all best offers available and don't themselves add any extra fees to end user. 
     2nd, Tell the mortgage company you want the money for a new car/luxury holiday (both) much easier and no more questions asked. If you tell them you want it for building work they will(or did in my case) start asking to see detailed quotes for the work you have planned. This was a pain in the @ss for me , as I had a ball park figure of what I needed but wasn't at the stage of getting quotes. I wanted to secure the funds first and then do the rest in my own time. 
    I ended up scrapping first application due to this and starting a new one saying I wanted money for a new car and holiday. Didn't get asked for any other supporting data going that route. 
    Anyways good luck with whatever you do. 
  4. Like
    MickeyE got a reaction from Sasnak in Remortgage and extension   
    Couple years ago I took some equity out of 2 investment properties to use for some work I did on my own house. Worked out pretty well.  Even after adding 40k to mortgages (split between 2 ) my mortgage payments are considerably lower than they were before, as I moved from standard variable rate with one mortgage co to a much lower 5 year fixed rate with another.
    2 bits of advice I would give. Shop around for best rates you can find, speak to mortgage brokers as they can get some deals that are not available to general public. One I ended up using after speaking with several are called London and Country mortgage brokers. They had all best offers available and don't themselves add any extra fees to end user. 
     2nd, Tell the mortgage company you want the money for a new car/luxury holiday (both) much easier and no more questions asked. If you tell them you want it for building work they will(or did in my case) start asking to see detailed quotes for the work you have planned. This was a pain in the @ss for me , as I had a ball park figure of what I needed but wasn't at the stage of getting quotes. I wanted to secure the funds first and then do the rest in my own time. 
    I ended up scrapping first application due to this and starting a new one saying I wanted money for a new car and holiday. Didn't get asked for any other supporting data going that route. 
    Anyways good luck with whatever you do. 
  5. Haha
    MickeyE got a reaction from PSevens2017 in Zero deposit rental   
    The only zero deposit rental you're likely to find is a shop doorway on the high street. Added bonus, it'll be zero rent too.
    If you're extremely lucky you'll find yourself a nice "filthy roider" to share it with!
  6. Like
    MickeyE reacted to Bensif in America's killed an Iranian general - World War 3, we're all gonna die.   
    Probably the most informed and insightful post in this thread. 
    Western media, or propaganda has painted Iran in a false light for decades. 
    Their people are no different to any of us. They lead normal lives and most cities there are no different to European cities. 
    I should know, I’ve been there several times. My other half is Iranian. When I see morons saying s**t like America will do this blah blah blah it pisses me off.
    I shouldn’t be annoyed at the moronic response of the average person. Let’s be honest, the average person isn’t particularly bright.
    America cocked up and they know it. The loss of Iranian lives since, regardless of how, is unjust. How would any one here feel if your loved ones died as a result of the action of another country? 
     
    Iran is not a stupid nation. In fact, they on average are far more educated than the UK.
  7. Like
    MickeyE got a reaction from Bensif in America's killed an Iranian general - World War 3, we're all gonna die.   
    People talking about how "stupid" and "moronic" Iran are for misidentifying and shooting down a civilian passenger plane but they're not the first to make that mistake. The US themselves shot down an Iranian airbus (flight 655) killing 290 civilians at the end of the 80s.
    Talking about stupidity, I doubt anything will ever come close to  matching the military incompetence of invading a sovereign nation, overthrowing it's regime, occupying it and plunging it into a decade + perpetual state of civil war that has led to hundreds of thousands of civilian deaths on mistaken intelligence that said nation possessed "weapons of mass destruction" and were planning an "imminent attack". Everything the US gets involved in militarily turns into a giant clusterfuck. 
    Iran now being painted as the bogeyman. This latest US offensive was apparently to "protect US lives". What a load of bollox. Iran poses no threat to western civilians. In fact they've probably done more to safeguard western civilians in the last decade or so than all of our own governments put together. 
    Iran has been/are instrumental in fighting against the Wahhabi Sunni militant groups in Syria, Iraq and the wider region. Those groups are the threat to US and western civilians. 9/11, the 7/7 bombers , the Manchester concert bomber, London Bridge attackers, San Bernadino mass shooting, 2015 Paris attacks (138 killed) and countless others all perpetrated by individuals either connected to or inspired by Isis, Al Qaeada or other Sunni extremist groups. 
    If Iran is such a threat to the west where are all the attacks carried out on the west by groups connected/backed or inspired by Iran ??
    The country in the Middle East that is by far the biggest  threat to western civilians is Saudi Arabia. The country responsible for spreading the extreme Salafi-Wahhabi ideology across the region and around the world  and backing and funding the above groups to destabilise it's neighbouring countries. 15 of the 19 9/11 plane hijackers were Saudi nationals. Yet somehow the Saudis are the west's greatest ally in the region 
  8. Like
    MickeyE got a reaction from Bensif in America's killed an Iranian general - World War 3, we're all gonna die.   
    People talking about how "stupid" and "moronic" Iran are for misidentifying and shooting down a civilian passenger plane but they're not the first to make that mistake. The US themselves shot down an Iranian airbus (flight 655) killing 290 civilians at the end of the 80s.
    Talking about stupidity, I doubt anything will ever come close to  matching the military incompetence of invading a sovereign nation, overthrowing it's regime, occupying it and plunging it into a decade + perpetual state of civil war that has led to hundreds of thousands of civilian deaths on mistaken intelligence that said nation possessed "weapons of mass destruction" and were planning an "imminent attack". Everything the US gets involved in militarily turns into a giant clusterfuck. 
    Iran now being painted as the bogeyman. This latest US offensive was apparently to "protect US lives". What a load of bollox. Iran poses no threat to western civilians. In fact they've probably done more to safeguard western civilians in the last decade or so than all of our own governments put together. 
    Iran has been/are instrumental in fighting against the Wahhabi Sunni militant groups in Syria, Iraq and the wider region. Those groups are the threat to US and western civilians. 9/11, the 7/7 bombers , the Manchester concert bomber, London Bridge attackers, San Bernadino mass shooting, 2015 Paris attacks (138 killed) and countless others all perpetrated by individuals either connected to or inspired by Isis, Al Qaeada or other Sunni extremist groups. 
    If Iran is such a threat to the west where are all the attacks carried out on the west by groups connected/backed or inspired by Iran ??
    The country in the Middle East that is by far the biggest  threat to western civilians is Saudi Arabia. The country responsible for spreading the extreme Salafi-Wahhabi ideology across the region and around the world  and backing and funding the above groups to destabilise it's neighbouring countries. 15 of the 19 9/11 plane hijackers were Saudi nationals. Yet somehow the Saudis are the west's greatest ally in the region 
  9. Like
    MickeyE got a reaction from Bensif in America's killed an Iranian general - World War 3, we're all gonna die.   
    People talking about how "stupid" and "moronic" Iran are for misidentifying and shooting down a civilian passenger plane but they're not the first to make that mistake. The US themselves shot down an Iranian airbus (flight 655) killing 290 civilians at the end of the 80s.
    Talking about stupidity, I doubt anything will ever come close to  matching the military incompetence of invading a sovereign nation, overthrowing it's regime, occupying it and plunging it into a decade + perpetual state of civil war that has led to hundreds of thousands of civilian deaths on mistaken intelligence that said nation possessed "weapons of mass destruction" and were planning an "imminent attack". Everything the US gets involved in militarily turns into a giant clusterfuck. 
    Iran now being painted as the bogeyman. This latest US offensive was apparently to "protect US lives". What a load of bollox. Iran poses no threat to western civilians. In fact they've probably done more to safeguard western civilians in the last decade or so than all of our own governments put together. 
    Iran has been/are instrumental in fighting against the Wahhabi Sunni militant groups in Syria, Iraq and the wider region. Those groups are the threat to US and western civilians. 9/11, the 7/7 bombers , the Manchester concert bomber, London Bridge attackers, San Bernadino mass shooting, 2015 Paris attacks (138 killed) and countless others all perpetrated by individuals either connected to or inspired by Isis, Al Qaeada or other Sunni extremist groups. 
    If Iran is such a threat to the west where are all the attacks carried out on the west by groups connected/backed or inspired by Iran ??
    The country in the Middle East that is by far the biggest  threat to western civilians is Saudi Arabia. The country responsible for spreading the extreme Salafi-Wahhabi ideology across the region and around the world  and backing and funding the above groups to destabilise it's neighbouring countries. 15 of the 19 9/11 plane hijackers were Saudi nationals. Yet somehow the Saudis are the west's greatest ally in the region 
  10. Like
    MickeyE got a reaction from Bensif in America's killed an Iranian general - World War 3, we're all gonna die.   
    People talking about how "stupid" and "moronic" Iran are for misidentifying and shooting down a civilian passenger plane but they're not the first to make that mistake. The US themselves shot down an Iranian airbus (flight 655) killing 290 civilians at the end of the 80s.
    Talking about stupidity, I doubt anything will ever come close to  matching the military incompetence of invading a sovereign nation, overthrowing it's regime, occupying it and plunging it into a decade + perpetual state of civil war that has led to hundreds of thousands of civilian deaths on mistaken intelligence that said nation possessed "weapons of mass destruction" and were planning an "imminent attack". Everything the US gets involved in militarily turns into a giant clusterfuck. 
    Iran now being painted as the bogeyman. This latest US offensive was apparently to "protect US lives". What a load of bollox. Iran poses no threat to western civilians. In fact they've probably done more to safeguard western civilians in the last decade or so than all of our own governments put together. 
    Iran has been/are instrumental in fighting against the Wahhabi Sunni militant groups in Syria, Iraq and the wider region. Those groups are the threat to US and western civilians. 9/11, the 7/7 bombers , the Manchester concert bomber, London Bridge attackers, San Bernadino mass shooting, 2015 Paris attacks (138 killed) and countless others all perpetrated by individuals either connected to or inspired by Isis, Al Qaeada or other Sunni extremist groups. 
    If Iran is such a threat to the west where are all the attacks carried out on the west by groups connected/backed or inspired by Iran ??
    The country in the Middle East that is by far the biggest  threat to western civilians is Saudi Arabia. The country responsible for spreading the extreme Salafi-Wahhabi ideology across the region and around the world  and backing and funding the above groups to destabilise it's neighbouring countries. 15 of the 19 9/11 plane hijackers were Saudi nationals. Yet somehow the Saudis are the west's greatest ally in the region 
  11. Like
    MickeyE got a reaction from Bensif in America's killed an Iranian general - World War 3, we're all gonna die.   
    People talking about how "stupid" and "moronic" Iran are for misidentifying and shooting down a civilian passenger plane but they're not the first to make that mistake. The US themselves shot down an Iranian airbus (flight 655) killing 290 civilians at the end of the 80s.
    Talking about stupidity, I doubt anything will ever come close to  matching the military incompetence of invading a sovereign nation, overthrowing it's regime, occupying it and plunging it into a decade + perpetual state of civil war that has led to hundreds of thousands of civilian deaths on mistaken intelligence that said nation possessed "weapons of mass destruction" and were planning an "imminent attack". Everything the US gets involved in militarily turns into a giant clusterfuck. 
    Iran now being painted as the bogeyman. This latest US offensive was apparently to "protect US lives". What a load of bollox. Iran poses no threat to western civilians. In fact they've probably done more to safeguard western civilians in the last decade or so than all of our own governments put together. 
    Iran has been/are instrumental in fighting against the Wahhabi Sunni militant groups in Syria, Iraq and the wider region. Those groups are the threat to US and western civilians. 9/11, the 7/7 bombers , the Manchester concert bomber, London Bridge attackers, San Bernadino mass shooting, 2015 Paris attacks (138 killed) and countless others all perpetrated by individuals either connected to or inspired by Isis, Al Qaeada or other Sunni extremist groups. 
    If Iran is such a threat to the west where are all the attacks carried out on the west by groups connected/backed or inspired by Iran ??
    The country in the Middle East that is by far the biggest  threat to western civilians is Saudi Arabia. The country responsible for spreading the extreme Salafi-Wahhabi ideology across the region and around the world  and backing and funding the above groups to destabilise it's neighbouring countries. 15 of the 19 9/11 plane hijackers were Saudi nationals. Yet somehow the Saudis are the west's greatest ally in the region 
  12. Like
    MickeyE reacted to Lovelyjubly in America's killed an Iranian general - World War 3, we're all gonna die.   
    People are talking about wars like who's d1ck is bigger than who. 
    Step back realise there are real people involved here . Innocent people get killed.
    For those who are arguing 'who's harder between USA  and Russia ".... if any of these countries got into war ... with the level of nukes they pocesss this could end the entire civilisation .  And no one is safe. Not even behind our  safe little computer or phone.
  13. Like
    MickeyE got a reaction from LethweiUK in America's killed an Iranian general - World War 3, we're all gonna die.   
    Great post. The majority of sheeple are too comatose to see the obvious.
    The US as a country is the world's  greatest threat to peace. Not Iran, N Korea or any other random bogeyman. You only have to look at US military action/interventions since the end of WW2 for clear evidence.
    And it's "allies" are all sh1t scared of it. It's like friends of the playground bully.  They all know it's a horrible *unt but would rather stay on its good side. 
  14. Like
    MickeyE reacted to Denied in America's killed an Iranian general - World War 3, we're all gonna die.   
    Do there actions really make your life safer and give you more freedoms? Ok, so we don't know the outcome of this latest actions but how many times have American actions f**ked it all up for everyone involved. 
    Did supplying arms and funding to Iraq so they could use chemical weapons on the curds and Iranians make things better for us, I doubt it, just makes there hatred for the west even deeper.
    Did helping to create Al Qaeda, then supplying them with arms, have the desired effects, I'm guessing that's a firm no.
    If we go back a little further, before they tried to bring there brand of freedom to the Islamic world, they tried to bring it to communist countries, leading to the war in Cuba, Vietnam and of course the cold war. That certainly didn't make things better for everyone involved. 
    The war on drugs, which the CIA was playing bother sides, taking the money from importing it, whilst using those funds to fight it in South America, with 1000's killed an tortured because of it.
    Is it not about time America and to some extent the rest of the west stopped getting involved in other peoples s**t, as when has, the outcome been a good one?
  15. Like
    MickeyE got a reaction from babyarm in Joshua is a disgrace   
    AJ has won all but 2 of his victories by knock out, knocking out the likes of Klitschko, Povetkin, Whyte....Yet after only his 2nd ever points win he's now a boring fighter.  People talk so much sh1t.
    He fought the right fight. too much at stake to take risks, had he got caught and lost again his career would have been in tatters. 
    AJs natural style is to let his hands go and end fights not win on points and he  has a better knockout ratio than any other top 10 HW even Wilder and against better opposition. But it pays to be smart. Ruiz style is really not good for him. But he outclassed him and got his belts back without having to break a sweat. 
     
     
  16. Like
    MickeyE got a reaction from babyarm in Joshua is a disgrace   
    AJ has won all but 2 of his victories by knock out, knocking out the likes of Klitschko, Povetkin, Whyte....Yet after only his 2nd ever points win he's now a boring fighter.  People talk so much sh1t.
    He fought the right fight. too much at stake to take risks, had he got caught and lost again his career would have been in tatters. 
    AJs natural style is to let his hands go and end fights not win on points and he  has a better knockout ratio than any other top 10 HW even Wilder and against better opposition. But it pays to be smart. Ruiz style is really not good for him. But he outclassed him and got his belts back without having to break a sweat. 
     
     
  17. Like
    MickeyE got a reaction from babyarm in Joshua is a disgrace   
    AJ has won all but 2 of his victories by knock out, knocking out the likes of Klitschko, Povetkin, Whyte....Yet after only his 2nd ever points win he's now a boring fighter.  People talk so much sh1t.
    He fought the right fight. too much at stake to take risks, had he got caught and lost again his career would have been in tatters. 
    AJs natural style is to let his hands go and end fights not win on points and he  has a better knockout ratio than any other top 10 HW even Wilder and against better opposition. But it pays to be smart. Ruiz style is really not good for him. But he outclassed him and got his belts back without having to break a sweat. 
     
     
  18. Like
    MickeyE got a reaction from babyarm in Joshua is a disgrace   
    AJ has won all but 2 of his victories by knock out, knocking out the likes of Klitschko, Povetkin, Whyte....Yet after only his 2nd ever points win he's now a boring fighter.  People talk so much sh1t.
    He fought the right fight. too much at stake to take risks, had he got caught and lost again his career would have been in tatters. 
    AJs natural style is to let his hands go and end fights not win on points and he  has a better knockout ratio than any other top 10 HW even Wilder and against better opposition. But it pays to be smart. Ruiz style is really not good for him. But he outclassed him and got his belts back without having to break a sweat. 
     
     
  19. Like
    MickeyE got a reaction from babyarm in Joshua is a disgrace   
    AJ has won all but 2 of his victories by knock out, knocking out the likes of Klitschko, Povetkin, Whyte....Yet after only his 2nd ever points win he's now a boring fighter.  People talk so much sh1t.
    He fought the right fight. too much at stake to take risks, had he got caught and lost again his career would have been in tatters. 
    AJs natural style is to let his hands go and end fights not win on points and he  has a better knockout ratio than any other top 10 HW even Wilder and against better opposition. But it pays to be smart. Ruiz style is really not good for him. But he outclassed him and got his belts back without having to break a sweat. 
     
     
  20. Like
    MickeyE got a reaction from babyarm in Joshua is a disgrace   
    AJ has won all but 2 of his victories by knock out, knocking out the likes of Klitschko, Povetkin, Whyte....Yet after only his 2nd ever points win he's now a boring fighter.  People talk so much sh1t.
    He fought the right fight. too much at stake to take risks, had he got caught and lost again his career would have been in tatters. 
    AJs natural style is to let his hands go and end fights not win on points and he  has a better knockout ratio than any other top 10 HW even Wilder and against better opposition. But it pays to be smart. Ruiz style is really not good for him. But he outclassed him and got his belts back without having to break a sweat. 
     
     
  21. Like
    MickeyE got a reaction from babyarm in Joshua is a disgrace   
    AJ has won all but 2 of his victories by knock out, knocking out the likes of Klitschko, Povetkin, Whyte....Yet after only his 2nd ever points win he's now a boring fighter.  People talk so much sh1t.
    He fought the right fight. too much at stake to take risks, had he got caught and lost again his career would have been in tatters. 
    AJs natural style is to let his hands go and end fights not win on points and he  has a better knockout ratio than any other top 10 HW even Wilder and against better opposition. But it pays to be smart. Ruiz style is really not good for him. But he outclassed him and got his belts back without having to break a sweat. 
     
     
  22. Sad
    MickeyE reacted to Baz-- in Joshua is a disgrace   
     
    No it wasn't. If you are new to the sport and you listen to the paid commentators i can understand you being swayed, however that was not boxing skills.
    Boxing on the back foot, smart boxing, hitting and not getting hit is done by parrying, slipping shots, fighting behind the shoulder and landing counter shots!! It is not done by getting on your bike and running around all night with the knowledge that the judges will award you the fight as long as you don't get knocked out because your promoter has paid their wages.
    along with smith v Ryder result in the last month i'm done with UK boxing ( mainly Matchroom).
    The sport isn't what i used to be where fighters fought for pride and glory.
  23. Like
    MickeyE reacted to Whatwhat in Joshua is a disgrace   
    Thought it was a good fight and he boxed it well to to his strengths 
  24. Like
    MickeyE got a reaction from ausmaz in AJ v Ruiz who wins?   
    Fury is pillow fisted. If he did beat AJ it would be on points. 
    Fury probably carries less power than any current top 10 HW. He isn't knocking out anyone half decent.
  25. Like
    MickeyE got a reaction from empzb in AJ v Ruiz who wins?   
    Good points. Fury is definitely more fluid and naturally gifted as a boxer than AJ but I think AJ's technical ability is very underrated. He won the first 4 rounds of the Klitscho fight and was ahead on the scorecards at the time it finished. You have to be technically pretty good (at least!) to do that against Klit.
    I think an AJ/Fury fight can end with a points win either way or an AJ knockout. I also agree that Fury won't ever get hit harder than he did against Wilder but Wilder only throws single shots(right hand). AJ has power in both hands and throws combinations , he also has a very good jab.
    I actually think Fury's style may be perfect for AJ, as AJ's real vulnerability is his ability to absorb/recover from a punch . Against Fury not sure whether there will be enough threat of any power coming back to keep AJ at bay. 
    Very interesting times in HW boxing though. Just hope these big fights Wilder/Fury/AJ actually happen while they're all still in their prime. 
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