Delphinho123

21 minutes ago, Tomaszk said:

That's what it comes down to isn't it. Yourself and some others, clearly don't think it's absolutely terrible. I disagree.

Those making the odd point defending Gerrard, I can't see what will turn them over to being 'I want the manager replaced'. What possibly could? A few wins/losses shouldn't matter in the grand scheme. It gets any worse we're in the bottom 3.

I wonder if we can be sat in the relegation zone and still have people on his side because he isn't Dean Smith. Fascinating.

Is this football worth it for the points return? Not for me.

Have we been unlucky and should have more points, and actually the performances have been OK? Not for me.

Is there anything building...like some good play that just isn't coming off? No.

We got 55 points two seasons ago. With a much worse squad. Miles worse. El Ghazi, Trezeguet, Targett, Traore, McGinn all playing 30+ games.

We are garbage. And worse, we are frighteningly less than the sum of our very expensive parts.

Never a truer word spoken. 

37 minutes ago, sidcow said:

No, I only recommend bad ones 

Right now, I'd take one of them!

Can anyone recommend a good mortgage broker? 

Just now, ender4 said:

3.1% is a pretty good interest rate, it might take a few years to get back below that rate.  And at least you won’t be paying 6-8% over the next 2-3 years!

That’s what I’m thinking. I’m going to pull the trigger on it as soon as possible I think. Just wish Barclays would pick up the phone!

18 minutes ago, markavfc40 said:

I wouldn't even look at it like that mate. You can't put a price on peace of mind so if you can fix for 5 or 10 years at a rate/repayments that you can reasonably comfortably afford then do it. 

I fixed for 10 years at 2.49% at the end of 2016 and I am in no doubt that I have been paying slightly over the odds for much of that period, given how low interest rates dropped, but I have never beat myself up about it. The flipside to that is now interest rates are rising rapidly I don't have to worry and you can't put a value on that.  

This is where I’m at Mark. Right now, I feel like not doing anything isn’t an option as it’s gambling with my house. 

If I have to move from paying £900 a month to £1200 a month and lock something in long term, then so be it. I can afford £1200 (begrudgingly), but what I can’t afford is £1600/£1700 which is where it’s headed given a lot of the predictions I’m reading.

Scary times

18 minutes ago, Genie said:

Have you spoken to them about taking another deal with them earlier? Sometimes they will waiver the fee if you take another product from them. Or they might add it to the loan. It’ll cost more in the long run but your savings / safety money is safe.

They won’t waive the fee. It’s up front as well, not added to the mortgage. I can secure another product 6 months out (1st Dec) but the rates will have gone up again then I imagine. Problem is, anything I ‘lock in’ may then get pulled if they keep going up by May. 

Barclays will allow me to switch on Jan 1st to a fairly attractive rate (all things considered) but all this talk of emergency interest rate increases puts paid to everything. 

Rignt now, I’m really thinking the only option is a 6k early repayment to try and lock in a long term interest rate of roughly 3.1%. 

3 minutes ago, ender4 said:

Though if you fix for 10 years then the interest rate is tracking much lower so that might be the best thing to do if the alternative is to lose your house or struggle in the short term.

I’m looking at a 10 year fixed. They have you by the balls with the early repayment charge but I don’t actually want to move house ever anyway.

The killer is if interest rates drop back down to 0.25% in 3/4 years time. 

Im going to be royally screwed either way. At the moment, it’s all about trying to keep hold of my house. My fixed rate comes to an end at the end of May ‘23. I’ll probably have to pay the 5.8k to get out of this fixed period early and secure a new mortgage. That’s all my savings gone. Feel sick. 

If interest rates hit 6% I’ll have to sell my house. Really scary times at the minute.

7 hours ago, bickster said:

This man / youth clearly gives no f***s about what he's doing here.

This is utterly enthralling. 

Out of interest, how long does it to take to build a fighter jet (ignoring the obvious variables). Roughly I mean.

If I’m one of those 300,000 now, I’m palling up with another conscript, somehow trying to get hold of some plain clothes and disappearing somewhere at night. 

On 20/09/2022 at 11:46, VillaChris said:

It's basically the same midfield we've had since promotion that hasn't got us to 10th once.

Luiz could well leave in January, McGinn isn't the same as two years back, Sanson will probably just be promoted to brief 10 minute cameos and I don't quite think on his own Dendoncker has influence to lift us from 14th to 8th somehow.

It's going to be a hard watch. We needed to sign another top midfielder alongside Kamara in the summer so at least that should mean we get one in January (Dendoncker certainly wasn't a player we were tracking for six months).

Here here.

Is the announcement about the referendums they’re having on the Donetsk region? 

Could it be that they’re properly declaring it Russian now and that means they can use more aggressive means to defend it…? 

On 17/09/2022 at 23:31, Villaphan04 said:

echo the Alex Scott shout, would be a top, top signing

He’s the closest thing to Grealish I’ve seen. Obviously not as good, but plays in an almost identical fashion. 

I think he’d be a top signing.

Unfortunately, our squad is still bloated though. The next two windows are going to be about who we can shift as much as it is about who we’ll sign. Personally, I think the club would listen to offers for both Buendia and Bailey. 

2 hours ago, Marka Ragnos said:

How about vs. Leeds? Not sure of Cash's status, tbh. Coutinho is the playmaker. Bailey, Ramsey would come on as impact subs.

Suicide.

Never looked up to much to me, even in the juniors. Will probably play at L1 level or below at best.

He’s going to be massively important now Kamara is out injured. Should be starting every week regardless, but now he almost certainly will. 

2 minutes ago, IrishVilla10 said:

You think Buendia played worse than bailey last night? 

There wasn’t much between them! 

8 minutes ago, IrishVilla10 said:

I don’t think buendias ever played as badly as bailey did last night. 

What about last night? 

He was pretty woeful to be honest. Lost the ball nearly every time it came to him. 

I find him hugely frustrating to watch. 

2 hours ago, Tomaszk said:

 

Well...

He's trying to get into the team.

I agree with you on almost everything @Tomaszk, you know that!

But on this one, I’m sorry, this idea that Buendia is a great player and ‘our best player’ just doesn’t fit what I’m seeing on the pitch. 

He loses the ball way too often to play centrally and he doesn’t have the pace or strength to play out wide. 

He’s capable of the sublime, and by that, I mean his ability to pick a defence splitting pass is excellent, but he just gets caught in possession so often.

Right now, if I had to pick 2 of Bailey, Coutinho and Buendia, Buendia would be my last pick. 

5 hours ago, Tomaszk said:

Wrong.

Too weak, too slow.