Rumours and Stuff

[IFR33K]

I would keep loan open. If shut it can be difficult if want to re draw or turn into an investment.....

I know a few fellas liked my post, but I forgot to add, each repayment is 100k. Lmao

 

[The Predictor]

It's nor really the same, though - they'd be earning an extra $20,000 a year, but they would be putting in extra work to get that extra $20,000.

Football players' jobs don't change - if they get the opportunity to make an extra $50,000, for doing the same job, why wouldn't they take it?

Ditto most of us mere mortals - if someone offered us $20,000 a year more for doing exactly the same job we are doing now, who wouldn't take it?

I disagree, they have a chance at glory and a premiership ring, where as I’m assuming most of us don’t have that opportunity, u can take the money and go to a shit team as most of ours have or u can forgo a couple of $$ that u will probably make in future and stay with ur mates and win a comp, that’s the difference between us an them , incomparable, just my opinion

 

[84 Baby]

yeah I agree.

It's best to stick it in an offset then you pay no interest (unless that money can be invested elsewhere and make more than your Loan interest rate) but the loan is still outstanding as per hindy said.

I always believe that putting extra money in the offset is better than paying off your mortgage.

You might want to buy a new car and the interest rate on your mortgage could be less than a car loan.

I would keep loan open. If shut it can be difficult if want to re draw or turn into an investment.....

Yes but he said he only has 3 repayments left and I assume he means monthly. Not gonna be able to do much with the money AND still make the repayments in that time. I’d go the other way if had available funds and just pay it off now

 

[yy_cheng]

Yes but he said he only has 3 repayments left and I assume he means monthly. Not gonna be able to do much with the money AND still make the repayments in that time. I’d go the other way if had available funds and just pay it off now

Lol he said they are $100k each so $300k.

Change to Interest only with offset. Put the repayments in the offset.

Then when he downsizes or moves out and wants to keep this place, he can pull the $300k out and rent out his property and the interest paid on the remaining mortgage is tax deductible off the rental income.

If he pays it off, and does the same thing. There is not tax deduction on the as there is not cost of interest and then the tax on the rental income can't be reduced.

 

[I'm a loser baby...]

That's exactly what I was going to say.

 

[emjaycee]

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[TheRam]

I am wondering if we can actually hold onto both Drown and Moses for 2024 especially $$ wise.

Dyl has upward potential. Moses kicking is super valuable to us.

But if we can't, we would go after a combo of

6. Dyl
7. Hasting

and the difference from the cost of Moses and Hasting we can invest in a better edge player.

Of course that would be the best scenario if we were to lose Moses, but I don't think we will or at least I really hope we don't. If we were to lose him the chances we would be able to sign Hastings I feel would be very, very slim. I don't think Hastings will be leaving the Tigers. He loves them and feels obligated and loyal to them and the Tigers will be making sure he won't. Even if the likes of the Bulldogs were to come in with a $800k-$900k offer I believe the Tigers would at least match it. They would be mad not to. He is their most valuable player. Genuine halves as we know don't grow on trees. That is why clubs are so desperate to get them to their clubs and why Gould knows he needs to find one real soon if he want to move the needle off the cellar of the ladder.

If we were to lose Moses, Heaven help us, we would quickly move to being a bottom 4 club guaranteed. Our two most valuable players at present are Moses 1st, Gutho 2nd. Without those two we don't make the semis. If Guto wasn't in the team we may make the semis, we may not. Players like Russell may end up being great fullbacks eventually, but he is still an unknown and we would lose a hell off a lot leadership and be much weaker in all the little effort things that Guth does and cleans up and his defense is right up there as last line defender.

Then Dylan and our frontrowers are next most valuable. All the rest are much easier to replace and more or less fillers and why we have made it our priority to sign them already. We don't have any once in a generation type of irreplaceable players, other then Moses who is the best most consistently good to great half we have had since Sterlo and that my friends is so sad for us as a club that even just writing it makes me despondent as a supporter. You ransom your club to get the very best halves if you have to.

Obviously that is hyperbole, but not by far. Our eyes should always be on who the best halves are in the juniors throughout the whole of the country from an early age. When we know that Moses's time with us is close to an end(retiring), I hope that this time around we do a Roosters and bring the best 2 or 3 junior halves to our club with offers to good to refuse. There are risk, for sure, but that is why you bring in at least a couple over a 2 or 3 year period in slightly different age groups. But we need to have a very good eye for talent scouting and equally good development coaches. I don't know if we do.

That is why I am hoping, but I don't think that it will happen, that we sack BA and hire Ciraldo or Flanagan. Both development coaches who build the careers around it and defense. The Tigers seem to be on the verge of getting Ciraldo. If that happens, the core of the squad will stay together and they will build a great team over the next couple of season. The combination of Sheens and Ciraldo will be a dream team that I wish we could have created here at Parra. Oh well, BA and his whoevers are our Plod team and if we all believe pou we can't do any better, so there is no point in trying.

Also special mention to Dylan who may end up a real talent and equal value to us as Moses is now in the next year or two, but at this stage he is a runner(perfect for 5/8th) but not much else when it comes to playmaking and kicking. Not saying he can't do either, but both are not top shelf at this stage.

Also if anyone thinks that Hastings isn't worth $800K-$900K, Chad Townsend says hi.

 

[Rocket man]

That's all part of the gamble.

But with rising costs of living, it puzzles me that people would rather get paid less for the same job.

I think it comes down to the individuals situation.
Whether you have a home loan children etc.

 

[84 Baby]

Lol he said they are $100k each so $300k.

Change to Interest only with offset. Put the repayments in the offset.

Then when he downsizes or moves out and wants to keep this place, he can pull the $300k out and rent out his property and the interest paid on the remaining mortgage is tax deductible off the rental income.

If he pays it off, and does the same thing. There is not tax deduction on the as there is not cost of interest and then the tax on the rental income can't be reduced.

Never take out a loan because of access to tax deductions. You’re paying 100% to get back at most 50%.
On top of that assuming it’s his PPOR, just ripping out the offset doesn’t automatically make the interest deductible even if he rents it out.
The only reason you’d not pay out a loan is if you can utilise the available funds to get a better return/improve asset base. The available funds for him are at most 3 months worth of repayments, which I don’t think is unreasonable to assume would only take him another at most 3 months to replenish once the loan has been repaid.
And maintaining the loan just because it may be difficult to refinance down the track is reliant on future plans (why would you maintain it to fund your future downsizing if that isn’t going to happen for 5-10 years or whatever but lock in the funds now?) but more importantly you’re locking yourself into the current bank situation when the time does come to move on, the situation could be better again.

And as always, gamble responsibly. Or what Emjaycee said

 

[hindy111]

Of course that would be the best scenario if we were to lose Moses, but I don't think we will or at least I really hope we don't. If we were to lose him the chances we would be able to sign Hastings I feel would be very, very slim. I don't think Hastings will be leaving the Tigers. He loves them and feels obligated and loyal to them and the Tigers will be making sure he won't. Even if the likes of the Bulldogs were to come in with a $800k-$900k offer I believe the Tigers would at least match it. They would be mad not to. He is their most valuable player. Genuine halves as we know don't grow on trees. That is why clubs are so desperate to get them to their clubs and why Gould knows he needs to find one real soon if he want to move the needle off the cellar of the ladder.

If we were to lose Moses, Heaven help us, we would quickly move to being a bottom 4 club guaranteed. Our two most valuable players at present are Moses 1st, Gutho 2nd. Without those two we don't make the semis. If Guto wasn't in the team we may make the semis, we may not. Players like Russell may end up being great fullbacks eventually, but he is still an unknown and we would lose a hell off a lot leadership and be much weaker in all the little effort things that Guth does and cleans up and his defense is right up there as last line defender.

Then Dylan and our frontrowers are next most valuable. All the rest are much easier to replace and more or less fillers and why we have made it our priority to sign them already. We don't have any once in a generation type of irreplaceable players, other then Moses who is the best most consistently good to great half we have had since Sterlo and that my friends is so sad for us as a club that even just writing it makes me despondent as a supporter. You ransom your club to get the very best halves if you have to.

Obviously that is hyperbole, but not by far. Our eyes should always be on who the best halves are in the juniors throughout the whole of the country from an early age. When we know that Moses's time with us is close to an end(retiring), I hope that this time around we do a Roosters and bring the best 2 or 3 junior halves to our club with offers to good to refuse. There are risk, for sure, but that is why you bring in at least a couple over a 2 or 3 year period in slightly different age groups. But we need to have a very good eye for talent scouting and equally good development coaches. I don't know if we do.

That is why I am hoping, but I don't think that it will happen, that we sack BA and hire Ciraldo or Flanagan. Both development coaches who build the careers around it and defense. The Tigers seem to be on the verge of getting Ciraldo. If that happens, the core of the squad will stay together and they will build a great team over the next couple of season. The combination of Sheens and Ciraldo will be a dream team that I wish we could have created here at Parra. Oh well, BA and his whoevers are our Plod team and if we all believe pou we can't do any better, so there is no point in trying.

Also special mention to Dylan who may end up a real talent and equal value to us as Moses is now in the next year or two, but at this stage he is a runner(perfect for 5/8th) but not much else when it comes to playmaking and kicking. Not saying he can't do either, but both are not top shelf at this stage.

Also if anyone thinks that Hastings isn't worth $800K-$900K, Chad Townsend says hi.

Best thing I've read all week.
Brilliant

 

[Poupou Escobar]

How did you go with mortgage. They are going up. I have 2.5yrs left of a 1.98% fixed then I will be pummelled/Hammered/Analed by the big 4.

NAB? I have the same interest rate, for just under three more years. Not looking forward to the fixed rate period ending.

 

[hindy111]

NAB? I have the same interest rate, for just under three more years. Not looking forward to the fixed rate period ending.

YES. Sounds like we are in a similar situation. December 2024 my fixed term end. Why I feel at 5-6% which we most likely will face is going to hurt more. I am going to try and save as much as I can and once fixed rates done I hopefuly can take some off so the repayments won't be.so much more.

 

[TheRam]

They mentioned on NRL360 that the Broncos will be trying to shed plenty of their higher paid players and offering to chip in to make it happen.

Would we be interested in any? Staggs and Haas are the only ones I’d take.

Staggs and Haas would be great pickups and would slot straight in. I can’t think of anyone else on their roster that we’d want or need.

Their Lock.

Carrigan?

better than Brown, Niukore, and Stone??

He also plays front row. Very good player and would be a great replacement for Evans, but there is no way in the world they would be letting him go.

Oh already way better then Stone and when he fully develops, it wouldn't surprise me if he is way better then Nuikore too. In fact, I would rather him right now then Nuikore too.

Ploddy Carrigan makes Alvaro look like Jesse Bromwich.

You obviously have no idea.

Plodder? You should watch a little more carefully me thinks.

Cardigan is the ploddiest plodder that ever did plod

LOL!! The bloke makes a lot of hit ups for very little meterage. He's also a walking penalty and has a mistake in him. You want us to chase him when we have Brown??? He's just another massively overhyped Donkey's junior.

I watched just about all their games and he's one of the biggest stats padders i have ever seen.

Maybe you should watch a game a little more carefully.

Pleeeese!

Who said anything about replacing Brown. Jeez some of you guys like to exaggerate like your telling old fishing yarns.

Averages around15 hitups a game for 156m. Post contact metres 1277m. I think only Hass has better in the Broncos team this year. Tackle breaks 24. Offloads 9 in 19 appearances. Not exactly Plodder stats. Oh and he is only 22 years old. Plenty of improvement in him yet.

As I said, you need to watch a little more carefully my friend.

Also like I said not a replacement for brown, but he would make an excellent addition though. But as if they would let him go.

I just think it’s funny you have been critical of a bloke like Alvaro while praising Paddy Stats padding Cardigan.

He’s the new age Paul Gallen, amazing stats padder. If you want a run that isn’t needed Ploddy Cardigan is your man.

And if he isn’t replacing Brown where does he play??? We already have 3 middle forwards that play big mins where does he fit??? Plus Marata who is much more effective in the middle.


Maybe you should think a little more carefully my friend????

I didn't say we should sign him. But he would make a great addition to any roster at the right price of course.

But I repeat, you said he was a plodder. His performances in a abysmal team this year are hardly plodder stats. I consider a player like Josh Jackson as a plodder that so many commentators wax lyrical about.

Like I said, you need to watch much, much more carefully my friend, friend, friend.

I don't mind Carrigan. Young kid with a big motor in the middle. Will only get better. Seems to only be a worker though. Would be a big upgrade on someone like Evans, but would probably cost more than he is worth.

And given we have Paulo, RCG and Brown who already play extended minutes in the middle do we need a worker there? I'd rather we look for another middle-aged hybrid like we have in Marata

Agreed.

Posts Date Starting: Oct 5, 2020

At least Bleed Blue & Gold and Obscene Assassin got it half right.

But for the rest of you sorry to point this out, but sometimes some on here are so way off it an't funny. I won't bother posting similar regarding Herbie Farnworth. But you should know better then to challenge me or Hindy.

How many of you have diarrhea on your face regarding Isaah Yeo that Hindy kept telling you all how good he was going to be and who is now probably the second best player in the comp behind Cleary?

Don't mess with us, we know our sh*t and ours don't stink!

Period!

 

[Rocket man]

YES. Sounds like we are in a similar situation. December 2024 my fixed term end. Why I feel at 5-6% which we most likely will face is going to hurt more. I am going to try and save as much as I can and once fixed rates done I hopefuly can take some off so the repayments won't be.so much more.

I remember when interest rates were 17 &18%.
Would not wish that on anyone.
I don't know how people with $1,000.000 loan would handle the last interest rate increase.

 

[84 Baby]

At least Bleed Blue & Gold and Obscene Assassin got it half right.

But for the rest of you sorry to point this out, but sometimes some on here are so way off it an't funny. I won't bother posting similar regarding Herbie Farnworth. But you should know better then to challenge me or Hindy.

How many of you have diarrhea on your face regarding Isaah Yeo that Hindy kept telling you all how good he was going to be and who is now probably the second best player in the comp behind Cleary?

Don't mess with us, we know our sh*t!

Period!

Lol Cardigan sure did carve up the listless NSW defence last night. Opposed to Yeo who plodded the ploddiest plod that ever plodded

 

[Twizzle]

 

[eels_fan]

Pretty dumb headline. Gould can’t block anything the tigers can or want to do. Ciraldo wouldn’t consider the dogs. A 5 year contract for him however is laughable as whilst he may be great, he may be yet another than shows crazy promise as an assistant and then can’t make the step up.

 

[TheRam]

Pretty dumb headline. Gould can’t block anything the tigers can or want to do. Ciraldo wouldn’t consider the dogs. A 5 year contract for him however is laughable as whilst he may be great, he may be yet another than shows crazy promise as an assistant and then can’t make the step up.

Desperate clubs do desperate things. If we were to sign him for instance we would probably only need to offer him a 2, max 3 season contract and he would jump at it.

 

[84 Baby]

I can’t see any coach looking to build a career as wanting to go to Dogs. Be an absolute puppet role and your future would essentially be at the whims of noted brainsters Paul Vaughan, TPJ & Kikau (maybe)

 

[gaffer]

I remember when interest rates were 17 &18%.
Would not wish that on anyone.
I don't know how people with $1,000.000 loan would handle the last interest rate increase.

me too bought a house at 10% by the time we shifted in they were 17% scary times