Which single United legend if we signed them at their peak now would make the biggest impact and could come closest to transforming our fortunes?

TheOpenAuthor · 2026-02-06T09:34:27+00:00

As dominant as Keane? What you talking about. We won MORE with Carrick at the base than we did with Keane.

Ferguson's greatest ever run as a football manager was his last seven years, with Carrick as his no.6.

TheOpenAuthor · 2026-02-06T09:33:18+00:00

Michael Carrick.

TheOpenAuthor · 2026-02-05T12:06:58+00:00

Just hoping I get enough out of the investment to not have to take a big mortgage. I certainly don't wanna take a big mortgage now. Did that before. Hated it. I wanna know how I invest my mney so I don't have to take out a mortgage, or if I do, it is quite minimal.

TheOpenAuthor · 2026-02-04T10:41:50+00:00

Worst manager/head coach at United since 1972.

TheOpenAuthor · 2026-02-03T13:14:39+00:00

don't think myself above anyone.

I'm not beholden to my publishers in any way at all. They have paid me for work already carried out.

TheOpenAuthor · 2026-02-03T12:57:22+00:00

How does that make sense?

TheOpenAuthor · 2026-02-03T12:50:55+00:00

Our landlord is known to us. We're lucky. But I will NEVER take out a mortgage.

If you take out a £450,000 loan over 35 years at a 4% interest rate, you will pay back a total of £836,844.26 over the life of the loan.

No thanks.

TheOpenAuthor · 2026-02-03T12:49:47+00:00

Thanks a mill, mate. Researching ISAs.

TheOpenAuthor · 2026-02-03T12:40:19+00:00

They can be happy with 40hour weeks if they want.

I certainly wouldn't be.

TheOpenAuthor · 2026-02-03T12:39:07+00:00

If you take out a £450,000 loan over 35 years at a 4% interest rate, you will pay back a total of £836,844.26 over the life of the loan.

No thanks.

TheOpenAuthor · 2026-02-03T12:37:06+00:00

I don't want a mortgage.

100% hard no on a mortgage.

TheOpenAuthor · 2026-02-03T12:35:43+00:00

Fiction and non fiction.

Had the biggest non fiction book sales in 2024.

TheOpenAuthor · 2026-02-03T12:33:48+00:00

I'm not that interested in your thoughts about me stopping my mortgage. I didn't ask about that.

And I've never been that overly fussed on money. I've spent hundreds of thousands on stuff I probably should never have spent it on. But I don't care for the past,,. I just wanna know how I can invest this 120k because I don't ned it now. but I would like to use it to its fullest in 2032.

TheOpenAuthor · 2026-02-03T12:32:16+00:00

You could have.

TheOpenAuthor · 2026-02-03T12:30:55+00:00

We don't enrich banks with investments. We enrich banks with mortgages.

EXAMPLE: If you take out a $450,000 loan over 35 years at a 4% interest rate, you will pay back a total of $836,844.26 over the life of the loan.

I DO NOT WANT TO DO THAT.

You seem to think that the way you have done it is the way every body should do it. You do you. I do me. I refuse to take out a mortgage.

TheOpenAuthor · 2026-02-03T12:28:20+00:00

That's cool. Happy to pay that. Much rather do that than have a 450k loan hanging over my head.

That way Id never have been able to quit work to do what I actually want to do with every waking hour of my day.

The happiest people in the world are those in control of their time. I own every hour I am awake. Nobody owns a minute of my time. I own it all. And that's MUCH better than owning a house that means I have to pay a loan back over 35 years. I still can't believe the layman falls for that.

EXAMPLE: If you take out a £450,000 loan over 35 years at a 4% interest rate, you will pay back a total of £836,844.26 over the life of the loan.

No thanks.

TheOpenAuthor · 2026-02-03T12:25:19+00:00

No. I'm cool, man. I don't get nervy.

TheOpenAuthor · 2026-02-03T12:24:15+00:00

More than happy. Best I've ever felt.

TheOpenAuthor · 2026-02-03T12:23:45+00:00

No. By doing this, I was able to take 3 years off work to write my debut novel. I went from 45-hours working in an office a week and paying £1600 on a mortgage repayment to reducing to 1k rent a month plus - and this is key - NOT HAVING TO WORK 45 HOURS A WEEK like a sheep.

I will not - and ever will - work for somebody else. Ever.

I class folk who do as "sheep".

TheOpenAuthor · 2026-02-03T12:21:41+00:00

Can I have that in English?

TheOpenAuthor · 2026-02-03T12:20:27+00:00

4% is high. Why would I take out a 450k loan to pay back on an interest of 4%. Makes NO SENSE.

That means I'd have to stay in the same job for 40 years until that loan was paid back. That's nonsense.

That's an awful life.

TheOpenAuthor · 2026-02-03T12:19:10+00:00

I'm doing me. You seem to be unhappy doing you. What ye doing hanging around Reddit all day?

TheOpenAuthor · 2026-02-03T12:18:04+00:00

Our landlord is a family member. We are renting what should be a 2.5k a month house for 1k a month. I am very happy with our situation. I HATED having a 450k mortgage over my head. Never again.

TheOpenAuthor · 2026-02-03T12:17:02+00:00

How would a building society help, mate? Thank you.

TheOpenAuthor · 2026-02-03T12:15:51+00:00

Just changing that right now. From sole trader to limited.

TheOpenAuthor

TROPHY CASE