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Duncan Clench

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Everything posted by Duncan Clench

  1. Duncan Clench

    Mortgages

    Great advice, this. Avoid putting credit card debt onto the mortgage unless you're desperate or disciplined enough to make overpayments. A low rate of interest is only good to you if the debt lasts the same amount of time. You're on 0% so for now I wouldn't do anything with it. If you get a good mortgage advisor then they're worth their weight in gold. Much like a good accountant. These fellas have to work their arses off to stay up with all the 'products' and rules that change daily, and the commission is crap. If you've got a good one they do the work and give good advice. This is also why a lot are seen as being shite, it's because they're not up to date and see the commission as being too small to put the effort in. Just one thing to add, it MIGHT be worth getting your home valued again so that your LTV (loan to value) looks better and therefore you could get a better rate. From memory, the rate drops quite significantly if you're below 75% LTV.
  2. Duncan Clench

    Joke!

    Apparently the Pope loves cats... ...yeah he's a cat-holic alright.
  3. Duncan Clench

    life Wins

    We lost a car key ages ago and we were just about making do with the one, but I was worried that if that got lost we'd really be in the shit. So I got in touch with the local garage who would need £250 to get and program a new one. Silly money. Couple of weeks back I was going through some old clothes I was taking to charity and just before I flung the bag in the boot I thought I'd better check for money and rubbish in the pockets. Found the car key. Almost made me feel guilty about blaming the wife for losing it.
  4. Duncan Clench

    Instant cunt identifiers

    My brother in law and his wife were invited to 'brunch' by a couple of her mates (who are cunts) - and instructed to meet up at 13:30. The cunts.
  5. Duncan Clench

    Sky Offer

    Yeah not seen Sky Q to be fair. I've got the Sky+ HD one and it's spot on. A few differences, but £90 a month cheaper.
  6. Duncan Clench

    Sky Offer

    To be fair, the Sky skins that you get on the Zgemma and Open V8 boxes are damn close to the native Sky menus with the same channel numbers and all that. It's very good.
  7. Poached popcorn can't be good. (smiley face) I can do a great poached egg. None of this swirling the water around nonsense. Just good, fresh eggs in a pan of water. Easy.
  8. Duncan Clench

    Sky Offer

    Shame... I was looking to pay more. Otherwise I would definitely go with Squeasant.net.
  9. Duncan Clench

    Sky Offer

    Depends on how you do it mate. The boxes are around £80 to buy, and then you can install everything yourself following this sort of guide: Then you'd need to buy the 'line'. From what I've read/seen, eBay lines can be a bit flaky, in that the line goes down and the sellers disappear. Or, you can buy one fully set up with the line (subscription) included for about £180 (that's for twin tuners - so you can record). I'm not sure how much this fella charges for the line only but I've been watching this page for quite a few weeks and found them to be quick to respond to any problems people have and very knowledgeable. https://www.facebook.com/groups/1554631864838536/ I think both those links are from here, somewhere in this thread.
  10. Duncan Clench

    Sky Offer

    I'm officially out of contract with Sky in a few days. I've had the Zgemma box plugged in for the best part of a week and it's going well so far. IPTV area is excellent. The interface is EXACTLY like Sky TV. The only difference at the moment is that series linking programs is a bit less user friendly. That being said, I've only got a 32gb USB stick in the back at the moment. I'll be giving it a while longer before I invest in a dedicated external hard drive for it. So far, so excellent.
  11. Duncan Clench

    Sky Offer

    Sorry again... HD channels from Sky which you DON'T get! 1 hour on the phone to those bastards today, and I'm sure that's just the start.
  12. Duncan Clench

    Sky Offer

    Sorry mate, missed your response there! Yeah, just the HD channels from Sky which you get, but in standard definition. Which is fine. I'm cancelling Sky right now, and the Zgemma is arriving any day now. I"m sure it'll take some getting used to, but my TV only package was over £90 a month with multi room and HD. The gave me 30% off last year, and I'm paying £77.50 right now.
  13. Duncan Clench

    Sky Offer

    You get the free-to-air ones, but not Sky. I think you get the BT Sports ones as well. I'm currently looking at this and planning to bin Sky off entirely. My understanding is that you plug your Sky cables in, and the box decodes the signals. The Sky HD ones are encrypted so they can't get decode them at the moment.
  14. Duncan Clench

    supermarket own brand stuff....

    Asda's kitchen roll and bog roll are good, but they're not much cheaper than the brands these days. I've been trying out many and various own brand items recently and I think they're the only things I've stuck with aside from packs of cheesy balls and the odd pizza. I like Asda. They're fruit and veg is definitely more tasty than Sainsbury's or Tesco and it's cheaper. I've heard Aldi's is even better but there's not one around where I live. They need to work on the layout of their stores though. Fucking hell.
  15. I think I might need an eye test. How long am I supposed to wait before I finally get round to booking one? Was thinking 4 years.
  16. Duncan Clench

    The world of a woman.

    My wife was cooking he other day and left the frying pan on the hob, forgetting about it. I was watching TV and her head poked around the corner and said, cool as a cucumber: "What do we do when the frying pan catches fire?". I don't know about you but I would be inclined to extinguish the fire as soon as possible. She turned the extractor up to full power which didn't seem to do the trick.
  17. Duncan Clench

    little things that annoy the shit out of you

    When you're shopping online and trying to get a closer look at something so you click on 'Enlarge Picture' only for the website to bring up the same sized fucking picture on a big background.
  18. Duncan Clench

    Fart fans

    Easyjet flight back from Krakow after a weekend getting extremely drunk and eating nothing but meat (ooo-er) I let one go. I've never before had a fart that anyone in a plane has even got wind of (pun intended) but this one just permeated throughout the aircraft. It was probably the worst I've ever done. People 10 rows back were exclaiming and I actually turned round and owned up to it because I couldn't let anyone else take credit for a guff of that magnitude.
  19. Duncan Clench

    E-Cigarettes

    By the way, as I said I've been looking for a mod to replace the Cool Fire iv and stumbled across the Eleaf iPower. 5000mah and about the same size as the Cool Fire. Got rave reviews so I'll be getting that on payday.
  20. Duncan Clench

    E-Cigarettes

    Yeah it's a 2ml tank but I got the extension pack to make it 4ml. I read that the 1.5ohm coils are shit for flavour but the 1.8ohm ones are good. I went straight in at 1.8 and have no complaints. There are plenty of leak-proof tanks around now and they all have the air intake at the top. The Joyetech Cubis is another I've tried, but found the coils to burn out too quick. Only tried one type of coil though, so it might be worth giving that another go. Totally leak proof. Every other tank leaks.
  21. Duncan Clench

    E-Cigarettes

    Same as Turdseye really. Gave up the piggies 2 years ago and vape 6mg nicotine strength right now. In a few months I'll go to 3mg I guess. It's a recurring thing with the wife.... why don't I give up vaping? Well I like it. It's not like smoking where you try to convince people you like it. It's actually a pleasant taste and it's not expensive. So I'll probably vape forever. 0mg nicotine I hope.
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