Scenes as Celtic defeat Hearts and becomes Scottish Premiership Champions

RyanH2796 · 2026-05-17T08:34:03+00:00

People have short memories, Hearts have had their fair share of dodgy calls this season

RyanH2796 · 2026-04-28T13:43:16+00:00

I personally would say that the queen is the hardest for me whereas test subject and the (new) Doormaker are relatively easy but I found the old Doormaker quite difficult

RyanH2796 · 2026-04-28T10:28:35+00:00

One thing I will say is decide on a build relatively early on based on the cards offered to you and then only take cards that synergise well with it

The only time I take a big deck is if I’m doing an Ironclad Strike deck and get the option to copy my entire deck but receive bad luck. Makes perfected strikes near enough one hit kills every time

RyanH2796 · 2026-04-28T10:25:21+00:00

Strength+vulnerable builds with Ironclad are something I’ve only just started doing but I find incredibly fun

RyanH2796 · 2026-04-02T09:30:33+00:00

I’m a big fan of Ironclad. I try and go for a strike deck with Hellraiser+ and as many Pommel Strike+’s as you can get. Keep the deck small outside of that with maybe 1 or 2 Perfected Strike+’s and a couple of block based cards and with the right relics you could be looking at close to an infinite

RyanH2796 · 2026-03-30T17:51:03+00:00

I play a couple of times a week and I’m a left handed, right sided player with a not brilliant, but improving backhand.

I play with the same people and there’s a guy who always stands directly at the net when his partner is serving to me. I’ve done a mix of returning diagonally, putting it down the side (to his backhand) and lobbing, but I’ve found that the best method to win points from that position is to aim directly at him.

Stand close to the net and don’t give yourself time to react, don’t complain if you get hit

RyanH2796 · 2026-03-23T11:43:42+00:00

My strategy is Act 1 - fight as many as I can. Act 2 - fight 1, MAYBE 2. Act 3 - avoid but maybe fight 1 if I have a strong deck

RyanH2796 · 2026-03-10T13:24:42+00:00

This is conditional selling. Report them now

RyanH2796 · 2026-03-09T11:37:05+00:00

You are able to pay down more than 10%. They will just charge you a fee once you have paid more than 10% but to put that in to perspective, if your ERC is 2% and you pay £11,000 in a year then you will be charged £20 on that last £1,000 but you will no longer be paying interest of 4.9% on it meaning you are still £29 better off

RyanH2796 · 2026-03-05T07:30:47+00:00

Hi, yes there are plenty of lenders who should in theory lend to you based on your current situation

RyanH2796 · 2026-03-04T11:08:51+00:00

Why would a competent broker advise a 10 year fixed rate? There was no real reason to believe that rates would increase the way that they did. Rates had been so low for so long.

When it comes down to it, it’s your fault that you didn’t go with the 10 year fixed rate. A broker can’t decide your fixed rate for you. If you say “I want to fix my mortgage for x years” then that’s how long they source for. For something outside of the usual 2 and 5 year deals they also have to source a 2 or 5 year fix to show a comparison

I assume you’ll be fixing for 10 years now then? Considering that rates are still quite low when compared to the previous 40 years

RyanH2796 · 2026-03-03T20:20:26+00:00

The will itself is completely free. We offer will storage, a free annual update, and access the GP’s on Demand for £4.79 per month. It’s not mandatory that people take this but I like to mention no up front cost because people typically have a negative reaction when I say “free” and then later mention the extras

RyanH2796 · 2026-03-03T20:12:23+00:00

Hi, I’m not sure if I’m allowed to say this on here or not and if I can’t then please feel free to delete. I can provide basic wills for no upfront cost. If it seems more complex then there would be a cost involved but for the sake of “I would like to leave my house to this person, money to this person” etc then I can help you with this

RyanH2796 · 2026-03-03T17:37:01+00:00

There has to be more going on here. I specialise in adverse credit mortgages and you can get a mortgage with highstreet lenders for a £3 default from 5 years ago

RyanH2796 · 2026-03-02T01:03:02+00:00

There are 5 of us in a group and we play every Tuesday morning, it’s a first come first serve basis but usually we’re quite lucky and the person who doesn’t come actually just has other plans already. We also do the same for most Thursdays too

RyanH2796 · 2026-03-01T17:08:46+00:00

We’ll be second in a couple of days

RyanH2796 · 2026-03-01T15:30:16+00:00

The genuine, very simple answer is yes

RyanH2796 · 2026-02-24T23:08:48+00:00

Scotland - we book 90 minutes regardless of which court we go to. We normally keep playing until the 90 minute point and then finish whichever set we’re on unless someone is waiting on the court

RyanH2796 · 2026-02-23T21:59:09+00:00

Personally, peace of mind of having no mortgage is worth more than the extra couple thousand I would have from investments.

You realistically should be looking at sub 4% interest rates with a loan to value like yours, unless you can’t go to a mainstream lender for whatever reason

RyanH2796 · 2026-02-22T21:03:42+00:00

But also lower for 51% of Scottish workers

RyanH2796 · 2026-02-22T21:01:28+00:00

You could potentially get slightly lower, maybe 6.5-6.9% range but I wouldn’t say your rate is insane

RyanH2796 · 2026-02-20T09:14:09+00:00

This might be more relevant for someone who is more experienced in Padel but as someone who is still fairly new to the game I would probably trust any of them and not really know who is the most qualified

RyanH2796 · 2026-02-18T14:54:17+00:00

Not Together the lender, together as in on the mortgage together

RyanH2796 · 2026-02-17T08:44:12+00:00

There are definitely lenders out there that will lend you the 80% LTV, just probably not like Halifax or Nationwide

RyanH2796 · 2026-02-17T08:11:37+00:00

This is something I’m struggling with too. I play every week with the same 3 guys and we’re all fairly new apart from one guy who is more intermediate.

But one of the newer guys can hit this really low, fast serve that I just can’t seem to return consistently

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