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Macca89

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  1. Love
    Macca89 reacted to WelchyTV in Helldivers 2 Max Capacity Servers Dilemma   
    Ok, @Diddums and @GazzaGarratt you have sold me. Seems like the right time to jump in. 
     
    It’s pay day too, so I’m going to make the purchase and jump in this weekend! 
  2. Haha
    Macca89 reacted to Luseth in Helldivers 2   
    @Stretch616 just you wait till @Macca89 get's a montage sorted of last nights schenanigans!
  3. Like
    Macca89 got a reaction from Lurchzy in MW3 FG Updates and Stories!   
    Loved this mate! Class stuff! 
  4. Love
    Macca89 got a reaction from Riff Machine in What are your top 3 movies of all time?   
    1. Independence Day
    2. The Dark Knight
    3. Man Fire 
  5. Love
    Macca89 got a reaction from GazzaGarratt in What are your top 3 movies of all time?   
    1. Independence Day
    2. The Dark Knight
    3. Man Fire 
  6. Like
    Macca89 got a reaction from GazzaGarratt in MW3 FG Updates and Stories!   
    Loved this mate! Class stuff! 
  7. Like
    Macca89 got a reaction from IRaMPaGe in MW3 FG Updates and Stories!   
    Loved this mate! Class stuff! 
  8. Love
    Macca89 got a reaction from IRaMPaGe in What are your top 3 movies of all time?   
    1. Independence Day
    2. The Dark Knight
    3. Man Fire 
  9. Like
    Macca89 reacted to GazzaGarratt in MW3 FG Updates and Stories!   
    Last few nights FG went on another flying winstreak. Mitch, @Lurchzy, @Macca89, @Luseth, @Greboth were on board and last night it ended at around 35 for me with the same peeps including @Misneach_ and @LordBaguette. A great game where we were 98-0 down on Terminal and flipped it around to win 250-221. Even a late game on Highrise would you believe was losing for half the game on Domination but managed to turn the tide to win by around a small 15 points in the end. Trying to fend off the opposition on Point B on that map is a nightmare.
     
    Can't believe I have to sing Tom's praises but Smoke grenades have super helped in tight games when you want to lockdown a flag or a hardpoint.
  10. Like
    Macca89 got a reaction from Riff Machine in Watchmen — One of the greatest superhero films of all time?   
    Forgot about robocop (original) loved that growing up
  11. Like
    Macca89 got a reaction from Riff Machine in Watchmen — One of the greatest superhero films of all time?   
    Funny thing is mate, I've probably watched Watchmen about 5 times and like I said, I'm not saying it's a bad film, it's just not a good superhero film.
     
    Logan
    Avengers
    Infinity War
    Endgame 
    Iron-man
    Thor Ragnorok
    Guardians 1 & 3
    Shang Chi
    Spiderman 1 & 2 (Tobey)
    Spiderman No way home
    Black Panther 1 & 2
    Captain America Winter Soldier
    Captain America
    Batman Begins
    The Dark Knight
    The Dark Knight Rises
    The Batman
    Justice League (Snyder Cut) 
    Dr Strange
     
    All better 'Superhero' films for me.
     
    The thing with MCU pal to why people like it so much isn't due to attention grabbing explosions, it's because of the 10 year project they put together for the Infinity Saga, putting so many bits and pieces together and linking it all together at the end for 2 incredible films to close it out. 
     
  12. Like
    Macca89 got a reaction from Riff Machine in Watchmen — One of the greatest superhero films of all time?   
    And this proves why Watchmen is not a good superhero movie, it tries to cater to "highly educated" and goes way over the top for what it needs to be. Taking the superhero aspect out of it, probably a decent film, but your not going into a superhero film wanting to listen to bullshit political views for half the film, bored the living fuck out of me, felt like I was running a pub again listening to drunk pissheads talk about politics. 6/10
  13. Like
    Macca89 got a reaction from Lurchzy in Watchmen — One of the greatest superhero films of all time?   
    Forgot about robocop (original) loved that growing up
  14. Like
    Macca89 got a reaction from GazzaGarratt in Game of the Year   
    Great shout this!!! Deffo up for it
  15. Like
    Macca89 got a reaction from Riff Machine in Game of the Year   
    Great shout this!!! Deffo up for it
  16. Like
    Macca89 reacted to GazzaGarratt in MW3 FG Updates and Stories!   
    Lets get a thread going to share all our game night exploits on a regular basis. Let everyone know how last night went; good, horrible or hilarious. Let see some stories unfold on how the carnage unfolded!
     
    We've had a pretty decent start to the new MW3 this time round. Definitely focusing on Win/Loss Ratio more than anything else. After about 3 sessions, I've personally not lost more than 10 games so far because of the beautiful thing that is FG. We currently have about 5 FGers sitting above 2.0 W/L which is ace - I'm thinking we can get at least 20 (yep TWENTY) FGers above that figure if we keep on grouping up together. Lets see how high we can go!
     
    I mostly used the Holger AR last night - I'm now on the Gilded (Gold) challenge for it which hopefully I can get done later this week.
     
    How was last night's escapades for everyone else?
  17. Like
    Macca89 reacted to Lurchzy in EA Sports FC 24   
    Decided to purchase the Ultimate Edition as I'm hoping to get a PS5 for my birthday in November. Looking forward to starting a new career mode too, might look to record it for fun.
  18. Love
    Macca89 got a reaction from Middle Class Caveman in I wrote this post about money during Covid and never posted it   
    Great read tbf mate, actually opened a Monzo account the minute I read this! 
     
    Very informative 💪💪💪
  19. Love
    Macca89 reacted to Middle Class Caveman in I wrote this post about money during Covid and never posted it   
    In the group chat today @Macca89 and I were having a civilised discussion about money (unit @Greboth decide to intervene with a 'mum' joke...) and it reminded me about a post I wrote back in March 2020. I never posted it because after asking @GazzaGarratt to proof read it we both agreed that the timing was poor.
     
    Sadly, I think considering the economic climate right now, I should have posted it. However, I am posting it now and I hope it lands well and that it sparks some discussion?
     
    I'd love to do a full in-depth post about money and wealth etc but I'm also aware that this is a gaming forum! So...let me know?
     
    Enjoy!
     
    Covid-19 What can we learn?
     
    I’m currently sat in my garden smoking a beautiful Lancero cigar soaking up the sun and reflecting on something my sister said to me this morning. ‘We aren’t getting any wages until May’.
     
    With the current global pandemic there has been a real shift back to what I would consider ‘socialist ideals’. People clapping for the NHS and demanding they get more pay and resources, the government offering to cover 80% of wages etc and the outrage of the self employed not getting anything. My sister and brother in law fall into the third category, they are both self employed - a hairdresser and a stone mason.
     
    One of my reflections and the purpose of this article is to make people think about their financial security and position because unfortunately the government response hasn’t been what some people had hoped.
     
    Here is an unpopular opinion and I apologise if I offend anyone BUT it is not the governments job to pay for you in times of crisis. We live in one of the most prosperous economies in the world, if you aren’t prepared for tough times then you have been negligent.
     
    I’m known as the money guy, so i’m going to play that role today and offer some practical advice you can apply once the world is back to normal that will hopefully remedy the opinion I stated above.
     
    Firstly, lets start with some of the issues that people have been facing. A lot of people have been laid off as a result of this situation because they are non-essential, others have been home bound and unable to do their self employed job. This has put a serious financial strain on the whole world, people are hurting. Lets examine the reasons why.
     
    People are living pay cheque to pay cheque
    People don’t have any savings
    People are laden with debt and this is soaking up their financial resources
     
    My sister and brother in law both fit all three categories, I fall into the third as I have two mortgages and a car to pay for. The combination of these three issues have meant that even just staying at home for 3 weeks has become a very daunting task for significants amount of people.
     
    So what’s the remedy?
     
    Well, i’m going to give you some advice that you can begin to put in place after this is all over that will hopefully help you become more resilient to global downturns (I’m thinking about the next recession!).
     
    Have an emergency fund
     
    I’m sure you’ve all heard of this before but i’m going to spell it out here. You should have 8 to 12 weeks worth of living money saved up somewhere that you can fall back on should you find yourself out of work. This took me a long time to commit too as a younger man but now that I have it, I feel very safe. It’s stored in a cash isa that my wife and I have access to at any time but not with our current banking provider. We both bank with Santander, so it’s in Lloyds. The reason being is that when I log into my internet banking if I see a fair wedge of money just sitting there, i’m going to find a way to spend it. Try to build on this once we get back to something of a normal economy.
     
    Reduce your spending and/or save first
     
    Again, this one is a tough one because we all generally live to the means we have. When I first started teaching I was earning £800 a month and I spent it all! I’ve been teaching for 17 years and I earn 5 times that now, I could easily spend it all too. This was something I had to help my wife with when we decided to have children because she would get to the end of the month and have nothing left in her account, when we talked about having a baby I suggested that she could save almost £1000 a month (once I took a look at the maths) before the baby was due to make sure we were flush during maternity leave. She didn’t believe me but after a few conversations about making her see where she was wasting money she took my advice. On payday she took £600 (a compromise) straight out of her account and put it in a separate savings else where. Low and behold she managed to save £5000 before the baby was born. What was she missing out on? Takeaways, costa coffees, random trips to shops on the way too and from work. Everyone wastes money, even me - i’m sat here smoking a cigar! Making spending cuts doesn’t have to be drastic but a small change can add up to a big reward.
     
    Ice cream in the freezer…..
     
    My economics lecturer taught me this saying and it has some truth to it. If I had a tub of ben and jerry’s in the freezer - it wouldn’t stay there long. Like, a week at most? I would eat it, why? Because it makes me feel good! Money is the same, if you have money in your pocket, you will spend it. Companies have become surgical in their ability to separating you from your money. So if you have it to hand you will spend it. So my last suggestion is simple. Have many different accounts for different purposes and only carry the card that you have allowed for disposable income. Here is a list of my accounts for illustration:
     
    Barclays Wages - my wages go in here and this is where I pay for my phone, insurances, my car etc. I have set up standing orders on payday that separate my pay into various other accounts and my savings. I don’t carry the card for this account.
    Monzo - this is my disposable income, every month I transfer in £400, thats £100 a week. I use this account for my petrol and anything else I want. Once it’s gone, it’s gone.
    Joint account - this is where the wife and I put money in together and its where our mortgage, council tax and utilities come out from. We don’t carry the cards for this account.
    Teacher discount card - this is a card we load up with £300 a month to go shopping with, we get 3% cash back from shopping at major supermarkets. This is the only card we will use for shopping etc, once it’s gone, it’s gone.
     
    This means that all of my savings are in place and I never overspend because I know EXACTLY how much disposable money I have - Monzo is a great bank for that as it’s all online and works well with apple pay etc, even gives you a little progress bar that tells you how much money you have left for a certain period of time and is colour coded.
     
    Hopefully this article has been useful and has given some of you some ideas that you could use to make yourself crisis/recession proof.
     
    Much love,
    Elliott
  20. Haha
    Macca89 reacted to Greboth in Why Just Why!?   
    I've got no problem with them adding Nicki Minaj.  All the people who turtle up with riot shields on their back are going to be easy targets when their ass is twice as wide as the shield.
  21. Like
    Macca89 got a reaction from IRaMPaGe in EA Sports FC 24   
    EA Sports FC 24 official reveal in 10 mins!!
  22. Love
    Macca89 got a reaction from GazzaGarratt in FIFA 23 with FG!   
    So with my unbeaten streak gone 😔 I've now set a new target, to be in the top 1000 in the world ranked on seasons. 💪😁
     
    Atm out of 1.4 million players, I'm ranked 15,191..... My record standing at......
     
    Games played 104
    Wins 98
    Draws 4 
    Losses 2
     
    Winning the division 1 title 6 times. 
     
    Will keep you all posted on my progress
    💪💪

  23. Like
    Macca89 got a reaction from Luseth in FIFA 23 with FG!   
    So with my unbeaten streak gone 😔 I've now set a new target, to be in the top 1000 in the world ranked on seasons. 💪😁
     
    Atm out of 1.4 million players, I'm ranked 15,191..... My record standing at......
     
    Games played 104
    Wins 98
    Draws 4 
    Losses 2
     
    Winning the division 1 title 6 times. 
     
    Will keep you all posted on my progress
    💪💪

  24. Like
    Macca89 got a reaction from Lurchzy in FIFA 23 with FG!   
    So with my unbeaten streak gone 😔 I've now set a new target, to be in the top 1000 in the world ranked on seasons. 💪😁
     
    Atm out of 1.4 million players, I'm ranked 15,191..... My record standing at......
     
    Games played 104
    Wins 98
    Draws 4 
    Losses 2
     
    Winning the division 1 title 6 times. 
     
    Will keep you all posted on my progress
    💪💪

  25. Love
    Macca89 got a reaction from IRaMPaGe in FIFA 23 with FG!   
    So with my unbeaten streak gone 😔 I've now set a new target, to be in the top 1000 in the world ranked on seasons. 💪😁
     
    Atm out of 1.4 million players, I'm ranked 15,191..... My record standing at......
     
    Games played 104
    Wins 98
    Draws 4 
    Losses 2
     
    Winning the division 1 title 6 times. 
     
    Will keep you all posted on my progress
    💪💪

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