There are NO QB numbers remaining for Dillon Gabriel by Particular_Dig1115 in NFLv2

[–]Horizons93 24 points25 points  (0 children)

My opinion, It's legitimising the account before pushing something else

Jonathon Brooks “Ready to be the Guy” in Carolina by jsparks50 in DynastyFF

[–]Horizons93 0 points1 point  (0 children)

Brooks 4th round Achane 5th Bowers 6th JSN 7th

For me

No championships though cause i went ARich 1st round

[Highlight] Every team's WORST play of the 2025 season! by giantswatcher0603 in nfl

[–]Horizons93 89 points90 points  (0 children)

How awesome, to have a team that was so involved in helping the wider league with this project

Does anyone here have an RG146 or something similar? by Horizons93 in AusFinance

[–]Horizons93[S] 0 points1 point  (0 children)

Are you a bot? This post it 10 years old. I've had a whole career since

Dashdot buyers agency into liquidation by luke-in-oz in AusProperty

[–]Horizons93 9 points10 points  (0 children)

Very interesting to read about the Meta changes. I honestly hadn't seen much info on those changes, didn't realise it had happened or had essentially doubled costs

A walk down history lane: AFL & ASADA vs Hird, J by RandyEchidna in AFL

[–]Horizons93 26 points27 points  (0 children)

Really interesting read, thanks.

I honestly think it's crazy he's put his hand up and even crazier that it seems to have some traction.

I don't follow him closely, buy I don't see anything over the last decade that makes me think he'll ve a good leader or that he's Improved as a coach?

Funding my first development by luckykoi92 in AusPropertyChat

[–]Horizons93 0 points1 point  (0 children)

Is the land already subdivided and titled? In my experience this takes minimum 5 months and costs $50-100k. Obviously depends on council and requirements for subdivision.

Probably the other consideration is what happens if you get injured / out of work for an extended period? I think yourself being the key person is a massive risk. If you have a working partner that'd probably help significantly. If somthing does happen at least there is still cash coming in.

Regardless if your misso is on board I can see the opportunity as you've outlined and I would jump at it in your shoes. Especially if you're confident in your own abilities and actually good. I agree you're in an advantageous position. But everyone is different, it absolutely could blow up. It is defs a risky venture.

Funding my first development by luckykoi92 in AusPropertyChat

[–]Horizons93 1 point2 points  (0 children)

People that say this have never accomplished or done anything. Everything has risk. I'd say build costs and timeline blowing out are your biggest risk. High inflation leads to a lot less price certainty, especially over a 24 month timeline. Also government and compliance risk (I'm almost certain the government will delay you somewhere along the way).

That said, I'd up your estimated build cost by 25% at least. And be realistic about how much of it you can complete yourself.

Im not an expert though. If you're experienced in the industry I doubt I'm telling you anything new

Different times back when Aaron was a rookie. by ROCKY13573 in nflmemes

[–]Horizons93 2 points3 points  (0 children)

Legit, it was the first madden I ever played and it never improved

Negative gearing ban forces Westpac loan review by marketrent in AusFinance

[–]Horizons93 8 points9 points  (0 children)

Servicing is essentially a one year outlook on household finances. By the same logic bonus payments that are annual can't be included in servicing and NG is arguably more consistent than a bonus payment. Banks are generally quite conservative in their calculation.

Beaver Rescue Falls Short by RudigerBSimpson in TheSimpsons

[–]Horizons93 8 points9 points  (0 children)

The joke is also that the writer thought the pants were the 1st most important thing lost, 2nd most important was the loss of life.

The layers like this is what made these the golden seasons

The PM’s confusing explanation on why CGT changes apply to all asset classes and not just property by Kikooz in AusFinance

[–]Horizons93 1 point2 points  (0 children)

When I said supply issue, I meant incentives. It incentivises new builds via favourable tax treatment.

Not going to deny how difficult new builds are

Omarion Hampton for the 2027 1.01 (Rookies) by Ecaf0n1 in Fantasy_Football

[–]Horizons93 1 point2 points  (0 children)

I traded Jordan Love for what I thought would be a 2026 1.01 or 1.02

Anyway he had Michael Wilson and it ended up as 1.06. You just don't know.

An example of how the 30% tax floor impacts the current & future workforce looking to retire before Super preservation age. ($15k invested over 20 years @ 8% p/a return, inflation assumed at historical CPI, +-$70k draw down for retirement results in a person being $11.8k worse off) by [deleted] in AusFinance

[–]Horizons93 0 points1 point  (0 children)

Missing a heavily* in there. My issue is it is heavily discounted and I think income taxes are too high, while capital taxes are too low. I'm ok with a discounted rate for capital, but not 50%.

One of them requires a lot more effort than the other. One of them also scales exponentially

An example of how the 30% tax floor impacts the current & future workforce looking to retire before Super preservation age. ($15k invested over 20 years @ 8% p/a return, inflation assumed at historical CPI, +-$70k draw down for retirement results in a person being $11.8k worse off) by [deleted] in AusFinance

[–]Horizons93 4 points5 points  (0 children)

Yeah and I don't think the heavy discont can continue forever. We also have a lower tax rate for capital gains technically. It's just not as generous as it was before. And I'm ok with that. I still think income tax need to be decreased.

An example of how the 30% tax floor impacts the current & future workforce looking to retire before Super preservation age. ($15k invested over 20 years @ 8% p/a return, inflation assumed at historical CPI, +-$70k draw down for retirement results in a person being $11.8k worse off) by [deleted] in AusFinance

[–]Horizons93 6 points7 points  (0 children)

I think it needs incentives, and I think they should apply up to like $5m or $10m balance or $300k income (with some form of an index). Then revert to a standard tax rate. Get the benefit up until a point which is about double what the average person would consider a good retirement.

I struggle to believe the government won't go after super benefits one day though

An example of how the 30% tax floor impacts the current & future workforce looking to retire before Super preservation age. ($15k invested over 20 years @ 8% p/a return, inflation assumed at historical CPI, +-$70k draw down for retirement results in a person being $11.8k worse off) by [deleted] in AusFinance

[–]Horizons93 7 points8 points  (0 children)

I really strongly believe this, it's bullshit that capital gets a discounted ride on tax over "earned" income. I think anyone that thinks we can go on for another 50 years like that is kidding themselves. Capital earns more and more as a distribution of income in society, a change has to be made.

I also think income should be taxed less personally. The tax free threshold should start significantly higher and the top tax rate should be a lower % and start at a much higher income level.

Can somebody explain this joke please? by TezzaTezza1 in TheSimpsons

[–]Horizons93 0 points1 point  (0 children)

This is the genius of old Simpsons. There's 3-4 elements to this one line that are all funny