List Mgmt. 2025 Trade/FA Thread

[sideswipe]

I'm referring to your savings. It was 100percent pa. I don't think the borrowing rate was 13% at the time, it was much less than that. I'm talking mid 80's.

You don't get a deposit rate of 10% without borrowing rates north of 12%, no matter the era.

 

[Pistol Night]

He'll probably go to Geelong and win a flag next year while the sookies on here complain about how much of a dickhead he is.

 

[manicpie]

You don't get a deposit rate of 10% without borrowing rates north of 12%, no matter the era.

It's not worth the argument, I lived and experienced it. Interest rates were no where near 13% at the time, it was about 5% from memory. It was also a time when banks weren't on the stock market and privately owned.

 

[sideswipe]

It's not worth the argument, I lived and experienced it. Interest rates were no where near 13% at the time, it was about 5% from memory. It was also a time when banks weren't on the stock market and privately owned.

Sorry, you are spouting nonsense. It doesn't matter who owns banks or what point it was in history, if they earn 5% on their money(ie. lend it) and borrow(ie. pay depositors) at 10%, can you see the problem?

 

[Bramax]

He wont get there. They cant do it surely

Cats will probably get Curnow, Butters and Merrett.

 

[manicpie]

Sorry, you are spouting nonsense. It doesn't matter who owns banks or what point it was in history, if they earn 5% on their money(ie. lend it) and borrow(ie. pay depositors) at 10%, can you see the problem?

It might pay to do some research. You're the one spouting nonsense. We got 10% return on our savings regardless of what you say.
A quick search will show you that savings rates were above double figures. It's the reason we had a recession in the 80's nonsense spouter

 

[Bramax]

I find that hard to believe. They may be playing for less than what they may get from another club, but l think they would still be on decent coin. Holmes was getting big offers from other clubs before he re-signed in 2024.
I don't think Holmes said pay me alot less, and l will just stay in Geelong because its Geelong...lol

If there’s not a salary cap squeeze yet, it is coming.

 

[Jafo]

Cats will probably get Curnow, Butters and Merrett.

Wouldn’t be surprised either

 

[sideswipe]

It might pay to do some research. You're the one spouting nonsense. We got 10% return on our savings regardless of what you say.

FFS, the only way you were getting a 10% return when prevailing borrowing rates are 5% is by investing your savings in something that wasn't a deposit rate offered by a bank, ie. you were taking on more risk. Do you understand the concept of a bank's lending margin?

 

[manicpie]

FFS, the only way you were getting a 10% return when prevailing borrowing rates are 5% is by investing your savings in something that wasn't a deposit rate offered by a bank, ie. you were taking on more risk. Do you understand the concept of a bank's lending margin?

Ffs, do your research, you're wrong bro, accept it and move on

 

[sideswipe]

Ffs, do your research, you're wrong bro, accept it and move on

Accept what? An impossibility? Explain how a bank can borrow at 10% and lend at 5% without going broke and I will accept your make believe story.

 

[manicpie]

Accept what? An impossibility? Explain how a bank can borrow at 10% and lend at 5% without going broke and I will accept your make believe story.

 

[Ugene41]

"Talks about retiring" are pretty much limited to "I'm retiring". And that's it.

Probably talks of retiring after a 2 year extension to his current contract.

 

[sideswipe]

View attachment 2429355

That doesn't explain the other side, ie. what the banks were lending at? Once again, it's called a margin, and it's kind of important.

 

[gouki88]

Accept what? An impossibility? Explain how a bank can borrow at 10% and lend at 5% without going broke and I will accept your make believe story.

Can you two campaigners stop bickering and buy me a house

 

[Jafo]

Those smiles won't last. He is about to have a kid. He doesn't know it yet, but his life is over.

Especially if he has a girl. Bang Bang Chitty Chitty Bang Bang

 

[Ugene41]

I would totally take May. Our defense is the key to our game plan and our KPD depth is paper thin.

He's probably a d!ckhead at Melbourne because there's a leadership vacuum there and he's meant to be a leader. At the pies he can be taken under the wing of elders like Pendles/Howe.

 

[manicpie]

That doesn't explain the other side, ie. what the banks were lending at? Once again, it's called a margin, and it's kind of important.

I wasn't talking about the other side, you chose to add that to try and denigrate me. Interest rates on borrowings were sub 10%. As I said, it's the reason we had the recession we had to have. Now, the right thing to do is to apologise to me for calling me a liar.

 

[sr36]

Can you two campaigners stop bickering and buy me a house

****ers.

Boomer 1 - I bought a heap of houses really cheap and made a heap of money
Boomer 2 - I also bought a heap of houses and made a heap of money, but they weren't as cheap as you remember.
Boomer 1 - Nah they were ****ing cheap
Boomer 2 - Nah they weren't you dickhead

 

[sideswipe]

I wasn't talking about the other side, you chose to add that to try and denigrate me. Interest rates on borrowings were sub 10%. As I said, it's the reason we had the recession we had to have. Now, the right thing to do is to apologise to me for calling me a liar.

My first comment in this exchange was about the hurt of high borrowing rates because you brought up high deposit rates. Since then you have been spouting absolute nonsense which I have tried to help you understand is an impossibility.

Banks with negative margins was not the reason we had the recession. There were many factors, but one massive one was shoddy lending standards. It wasn't negative margins(even the worst banker in the world wouldn't let that happen), put simply, what killed the housing(and broader property) market was that banks lent stupid money on erroneous valuations. And then they mis-managed wide scale mortgage enforcements.

I could go on, but I don't think it's gonna stick.

 

[manicpie]

Can you two campaigners stop bickering and buy me a house

It's just the weekly manic v sidey stoush. I'm sure he'll mellow once his golf improves

 

[manicpie]

My first comment in this exchange was about the hurt of high borrowing rates because you brought up high deposit rates. Since then you have been spouting absolute nonsense which I have tried to help you understand is an impossibility.

Banks with negative margins was not the reason we had the recession. There were many factors, but one massive one was shoddy lending standards. It wasn't negative margins(even the worst banker in the world wouldn't let that happen), put simply, what killed the housing(and broader property) market was that banks lent stupid money on erroneous valuations. And then they mis-managed wide scale mortgage enforcements.

I could go on, but I don't think it's gonna stick.

Is it really that hard to admit you're wrong. You're just trying to change history now to enhance your incorrect assumption. Just move on, you won't be the first person to get things wrong.

 

[sideswipe]

Is it really that hard to admit you're wrong. You're just trying to change history now to enhance your incorrect assumption. Just move on, you won't be the first person to get things wrong.

For the last time, if you were earning 10% on your cash, you weren't borrowing at anything other than 12/13% or more. it's not even an argument. You are proposing the impossible.

 

[sideswipe]

****ers.

Boomer 1 - I bought a heap of houses really cheap and made a heap of money
Boomer 2 - I also bought a heap of houses and made a heap of money, but they weren't as cheap as you remember.
Boomer 1 - Nah they were ****ing cheap
Boomer 2 - Nah they weren't you dickhead

Excuse me, I'm Gen X. We are the ones who had to fix all the problems created by the Boomers who f-ed things up with bad lending standards.

 

[gouki88]

****ers.

Boomer 1 - I bought a heap of houses really cheap and made a heap of money
Boomer 2 - I also bought a heap of houses and made a heap of money, but they weren't as cheap as you remember.
Boomer 1 - Nah they were ****ing cheap
Boomer 2 - Nah they weren't you dickhead

I will never forgive my parents for bringing me into the world in the 90s. I would have been a great boomer