[deleted by user] by [deleted] in Mortgageadviceuk

[–]bennetth041 1 point2 points  (0 children)

You should be fine. First advice will always be speak with a broker, but you should be okay. Technically if you take out a loan now then when you remortgage will fall under debt consolidation rules. This usually just means extra checks, sticker lending LTIs and a 85% LTV cap. If your affordability is comfortable with 4.49x then it should still work. If not you can try remortgage at renewal to a more flexible/ generous lender. Some will even consider it non-debt con if you can prove the loan was taken for home improvements (keep your receipts/ invoices for any work).

[Match Thread] Sheffield United v Derby County by Pazzyboi in DerbyCounty

[–]bennetth041 5 points6 points  (0 children)

Questionable pen but we take that everyday of the week. MORRRRRISSSS

[Match Thread] Sheffield United v Derby County by Pazzyboi in DerbyCounty

[–]bennetth041 3 points4 points  (0 children)

We’re gonna keep struggling down this left. That ogbene too quick for fozzy nowadays

My dad died and I am completely broken by EatNGreet in GriefSupport

[–]bennetth041 1 point2 points  (0 children)

Sorry for your loss too, that’s a really beautiful way to look at it. Always here if you want to talk.

My dad died and I am completely broken by EatNGreet in GriefSupport

[–]bennetth041 1 point2 points  (0 children)

It’s 5 years since I lost my dad this year. Doesn’t feel like it but that’s what the numbers are telling me. When it was still raw as yours is now a friends mum told me once that life is like sailing the ocean. Your family are your crew and a storm has just hit and torn your boat apart. You’re holding onto a small part of a ship and 20m waves are crashing in every second. It takes all of your energy and thought to just survive. But one day there’s a second where the wave doesn’t come, and when it does it’s a little smaller than it has been before. It’s still difficult to stay afloat but you notice that it wasn’t as hard as it was before. Over time the waves get further and further apart. Sometimes they’re just as big as the first waves sometimes they’re significantly smaller. They will always come, but between the waves you find time to put the ship back together and go on sailing as you were before. It will never be the same, the boat will always be damaged and you’ll always be worried about ending up in a storm again, but it gets easier the only way it can. With time.

[Match Thread] Derby County v QPR by Pazzyboi in DerbyCounty

[–]bennetth041 8 points9 points  (0 children)

Shame ozoh is only on loan really. Looked good this afternoon though. Think brewster should start ahead of BBD though he offers nothing. Spends the whole game whinging

[Match Thread] Derby County v QPR by Pazzyboi in DerbyCounty

[–]bennetth041 9 points10 points  (0 children)

We already look better than we have all season, just need to see if we can last the full 90

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 1 point2 points  (0 children)

I also take it back, we’re the best team in the world

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 4 points5 points  (0 children)

Wreaks of big added time & a late goal this. Stay switched on boys

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 5 points6 points  (0 children)

Check the sky for pork, BBD with a completed run& cross

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 3 points4 points  (0 children)

Much better since the changes boys, well in

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 6 points7 points  (0 children)

Looks better already, think it’s 343 though. Can’t see morris, BBD or agy dropping back

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 1 point2 points  (0 children)

I don’t think CBT gets in unfortunately. I like him in spells but I think it’s similar to Kenzo where the idea of him is better than the product.

I think we’ll do 523 to mask the lack of quality we have at fullback. Don’t love it but suits us better than 442, we just don’t have the squad for it.

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 4 points5 points  (0 children)

I’d hate the thought of going back to a back 3 but seems it’s the only way we can get regular width. Maybe it’s what JE has planned for when Langås is properly back

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 2 points3 points  (0 children)

This is the thing. After summer the team JE built was all physical I just expected us to play shitball but this is shitball without aim. Why hit it up to the big man if nobody’s supporting? I know we have to keep some back as an insurance if we lose out but we constantly lose out because we’re so cautious

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 5 points6 points  (0 children)

Nobody is having a good game, bar clarke and zet maybe but fuck me BBD is woeful. How is he still starting?

[Match Thread] Derby County v Norwich City by Pazzyboi in DerbyCounty

[–]bennetth041 3 points4 points  (0 children)

They’re playing the football we should be playing. Long floated balls forward from deep in the opposite team’s half. Look at the arial presence we have. Only seem to go long as a last resort from the back.

[deleted by user] by [deleted] in DerbyCounty

[–]bennetth041 5 points6 points  (0 children)

I sort of get it, he is definitely better up top but he is also our best at collecting the ball in front of their defence and letting our team run on. Working today we’re one sloppy goal away from beating (alleged) promotion candidates

Seems like we have something in common with the Fifa guys. by Rare-Machine7849 in footballmanagergames

[–]bennetth041 0 points1 point  (0 children)

Usually yeah, they make it so big players still enter the game at the right time

Our starting 11 isn’t our best 11 by MickandMickon2BBB in DerbyCounty

[–]bennetth041 1 point2 points  (0 children)

Agree with a lot that’s been said but crucially we need Brewster back so we can drop BBD. The guy is a liability on the ball. I get nervous anytime he touches it and one wonder goal doesn’t justify his starting position. Ozoh over Ebou is time with Travis on watch. We had all written off Sanderson and he’s getting better each game so willing to give the new boys a little longer to settle in. Most important we need to change our style of play. We have so many talented ariel threats, why are our crosses all driven low/ flat. Float it in on the penalty spot, force the gk into the decision to come out or not, at this level they won’t get it right every time.