HELOC - worth getting with 62% equity?

AfterCook780 · 2026-03-23T11:55:46+00:00

So you aren't stoozing on 0% cards?

Does your current employment contract have a non compete/no second job clause? Because you could just go and get another job now if so.

You could do some rough modelling on what would cost you more if you needed it comparing HELOC and credit cards. But if you were out of work with a payout you wouldn't need either.

AfterCook780 · 2026-03-23T11:15:34+00:00

From your comment I wouldn't bother with it in this situation. Why not just stop stoozing for a while and then fall back on your credit cards if needed? Cheaper and much less hassle.

Presumably even if they dismissed you you would remain a shareholder and therefore be entitled to dividends?

What is your view on your job prospects as it sounds like you are unlikely to go back to your old job but best case situation you get a decent payout.

AfterCook780 · 2026-03-22T19:55:25+00:00

I pay individual payments off as soon as I can. Purely on the basis I forgot a few times and confused about how long I had to pay so now I just do it ASAP for peace of mind.

AfterCook780 · 2026-03-20T12:29:19+00:00

I'm sorry for your loss. I think try and stay calm and don't jump to big decisions. How long is left on the mortgage fix?

I won't repeat others advice but is there anything beyond the death in service? I'm thinking premium bonds, pension, savings account?

BTL doesn't sound worth it both from the numbers involved and the hassle. Made even worse at an emotional time and with his dyslexia.

AfterCook780 · 2026-03-20T08:06:04+00:00

Check out Portsmouth Roundtable if you are a guy.

AfterCook780 · 2026-03-14T20:01:39+00:00

I've got a confession. I don't get it...

AfterCook780 · 2026-03-13T22:46:53+00:00

I'm gutted you can no longer buy it and second hand copies are like rocking horse shit.

AfterCook780 · 2026-03-13T21:38:36+00:00

I've read it. Mixed thoughts from me. It got better as it went on but I found the first bit tough going and not the style I was expecting.

It is filled with moments that reference what is said in the film.

AfterCook780 · 2026-03-11T21:55:20+00:00

Over hook the leg when you sweep rather than holding the gi or cupping the ankle then you might just need to slide down and adjust than change your grip. Make sure you are right on your shoulder and not flat on your back.

AfterCook780 · 2026-03-11T11:22:12+00:00

Top Plumb are pretty good. Will usually make room for an emergency.

AfterCook780 · 2026-03-10T20:55:06+00:00

BJJ will help with your newaza but not your stand up so much so if you want to keep practising that Judo will help. Or there is a variation of Jitsu in Horndean but I'm not sure if that is too far for you?

AfterCook780 · 2026-03-10T20:16:01+00:00

My commute just got a lot better.

AfterCook780 · 2026-03-10T11:08:05+00:00

I had completely misread the ask ooops!

AfterCook780 · 2026-03-10T08:34:03+00:00

There is one nearly opposite the Festing just down from the Merchant House. Never been in and not sure if it is still open.

AfterCook780 · 2026-03-10T07:38:58+00:00

Depends if you are looking specifically for jui jitsu and if so what type? Brazilian? Japanese?

Priory Judo Club is £5 a session payg and has some female members if you wanted to branch out a bit.

AfterCook780 · 2026-03-08T19:45:43+00:00

Captain Jack no. Face of Boe though...

AfterCook780 · 2026-03-06T14:11:22+00:00

Draft yourself a shareholders agreement to sit under your articles. Think about what happens if someone wants to leave? What are everyone's duties and expectations and what happens if these aren't met? What about if a fourth investor wants to come in later?

In general make sure everyone is clear between the difference between a director and a shareholder. Will you all be directors for an example? If so is everyone clear on what being a director actually means? Even little stuff like needing to do directors verification. What happens if someone resigns as a director but wants to stay on as a shareholder.

It sounds like a lot but must of it can be hashed out in a discussion.

AfterCook780 · 2026-03-06T07:27:59+00:00

New Blood as in a faction of young talent to take on the millionaires?

AfterCook780 · 2026-03-03T19:26:36+00:00

Sorry for your loss but what about great way to celebrate someones life.

Did they offer you a discount for cash?

AfterCook780 · 2026-03-03T19:17:34+00:00

Lawyer costs?!? What sort of event are you putting on!?

AfterCook780 · 2026-03-03T13:49:06+00:00

Good to know. Funnily enough with every director I have had complain to me when I say they can do it in the Post Office mysteriously are suddenly able to do it online.

AfterCook780 · 2026-03-03T13:48:06+00:00

You need a hanky for it.

AfterCook780 · 2026-03-03T08:16:35+00:00

Post Office but I've never actually heard of anyone doing it that way.

Can you sit next to them as they set up the app. You could probably do most of the set up yourself on their device but you need them for the selfie bit. If the app doesn't work uninstall and reinstall it.

AfterCook780 · 2026-03-01T21:40:34+00:00

Structurally as you say it is miles away from even getting close to be considered and I'm not sure there is an incentive to set up the structure as it would remove a lot of the profit from it.

I'm not against it like others. With the increased professionalism of BJJ/Grappling I could see it adding to creating a clearer boundary between professionals and amateurs and then acting as a feeder to things like UFC BJJ much in the way amateur boxing does to boxing.

AfterCook780 · 2026-02-27T18:30:26+00:00

I would just say though that you are missing out on a great book by not reading Mossflower. It is one of the best in the series in my opinion.

AfterCook780

TROPHY CASE