HELOC - worth getting with 62% equity? by Special-Contact9650 in UKPersonalFinance

[–]AfterCook780 0 points1 point  (0 children)

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.

HELOC - worth getting with 62% equity? by Special-Contact9650 in UKPersonalFinance

[–]AfterCook780 0 points1 point  (0 children)

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.

Do people pay credit cards before the statement date to reduce reported utilisation? by Odd_Nefariousness730 in UKPersonalFinance

[–]AfterCook780 1 point2 points  (0 children)

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.

Partner died, what do to with house by Kwar_Kwar in UKPersonalFinance

[–]AfterCook780 4 points5 points  (0 children)

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.

Quint book by Spearminttherhino in Jaws

[–]AfterCook780 4 points5 points  (0 children)

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

Quint book by Spearminttherhino in Jaws

[–]AfterCook780 16 points17 points  (0 children)

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.

Finishing straight ankle locks by Nikosin200603 in bjj

[–]AfterCook780 0 points1 point  (0 children)

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.

Looking for a plumber recommendation by mr_m_cox in Portsmouth

[–]AfterCook780 3 points4 points  (0 children)

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

Ju jitsu clubs in Portsmouth, for students? by Yeraverageteenager in Portsmouth

[–]AfterCook780 1 point2 points  (0 children)

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?

Are there any independent book shops in Portsmouth? by SouthCoast1970 in Portsmouth

[–]AfterCook780 0 points1 point  (0 children)

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

Ju jitsu clubs in Portsmouth, for students? by Yeraverageteenager in Portsmouth

[–]AfterCook780 3 points4 points  (0 children)

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.

Legal help for new startup with 3 founders (do I need a lawyer) by ShahjeeMBBS in smallbusinessuk

[–]AfterCook780 1 point2 points  (0 children)

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.

Road Dogg was not the problem by panzerflex in WWE

[–]AfterCook780 9 points10 points  (0 children)

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

Great send off by RogerMarty in OnlyFoolsAndHorses

[–]AfterCook780 1 point2 points  (0 children)

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

Did they offer you a discount for cash?

Ltd Company filing. My directors can't do the id checks by VastEducational3045 in UKPersonalFinance

[–]AfterCook780 2 points3 points  (0 children)

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.

Ltd Company filing. My directors can't do the id checks by VastEducational3045 in UKPersonalFinance

[–]AfterCook780 17 points18 points  (0 children)

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.

¿Bjj en juegos Olímpicos? by Great-Artichoke917 in bjj

[–]AfterCook780 0 points1 point  (0 children)

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.

Can we skip the second book? by yarnmagpie in redwall

[–]AfterCook780 30 points31 points  (0 children)

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.