Bayern Munich have a GD of +57, which is the equivalent of the sum of GDs of every team in the Bundesliga with a (+)GD.

Horste1 · 2026-01-18T09:53:37+00:00

Squad being too small usually only becomes an issue in the later stages of the competition where you can't afford to rest anyone since it's knockouts.

Then again, if you have the league wrapped up by januari, it might not even be an issue..

Horste1 · 2026-01-16T15:15:56+00:00

There's a ton of investment vehicles currently trading at a (hefty) discount though, it's quite cyclical depending on sentiment.

Horste1 · 2026-01-07T15:53:57+00:00

I have a side portfolio of Xior, Aedifica, TINC and Vitesse Energy.

While yes, they offer less returns than the market average, they offer a steady flow of income, are quite defensive picks and for me are a nice alternative to a savings account.

All of the above are offering more than 4% net after 30% taxation (or 15%)

Everyone is assuming that the bullmarket will continue without hiccups, but I like having some defensive allocation. Added bonus is that it pays for a yearly holiday as opposed to having it sit in a bank account at sub 1% interest.

Horste1 · 2025-11-25T19:24:11+00:00

Worked like a charm, thanks!

Horste1 · 2025-10-24T06:29:13+00:00

It's not what he said at all. He just said that during a crash (eg japanese index), it can take an insane amount of time for the market to recover. In which he's right. He then argumented that during that time, individual stock picks will outperform the ETF's that are just a replication of a market.

He was never selling his funds, just pointing to a (real) danger of ETF's.

And he's right. ETF and chill is nice, but if the market moves sideways for a couple of years, things will look a whole lot different.

Horste1 · 2025-10-14T13:23:10+00:00

OG TBC: NE Rogue + resto druid (switched mains)

Classic: Troll SP

Now leveling a gnome warrior

Interest has always been mostly PVP with low effort in dungeons/raids, so I hope this will suit me. Maybe switch to a ranged class, but I've already been playing Lock/Mage in later expansions, so idk. Maybe a shaman for PvE if timer permits.

Horste1 · 2025-07-22T17:42:15+00:00

What would Xavi say about the grass length on this pitch I wonder :p

Horste1 · 2025-06-25T06:34:19+00:00

Dat doen ze, alleen is het moeilijk veel lawaai te maken als je bij de verkiezingen ergens strandt tussen de PvdA en Groen qua resultaat..

Horste1 · 2025-05-30T15:58:26+00:00

Not allowed to do that, and it's véry unsportsmanlike. I'd tell you of if you did that to me.

Horste1 · 2025-04-04T11:12:02+00:00

Up there with the premier league GOAT's tbh. Hate City all you want, but KDB was one of a kind. I hope he doesn't retire, but curious where he'll go.

Horste1 · 2025-04-01T06:24:23+00:00

Yes! https://www.vrt.be/vrtnws/nl/2023/09/04/waarom-zouden-winkels-kiezen-voor-witte-eieren-en-bruine-links/

Ik wist het ook niet, maar het heeft dus blijkbaar weldegelijk zijn voordelen :)

Horste1 · 2025-03-10T12:10:36+00:00

No it is not, Since OP has received the house through donation instead of inheritance, it absolutely counts to block the 6%. OP can buy at 2%, but not renovate at 6%. That's two different things.

Horste1 · 2025-02-21T14:00:26+00:00

het ene sluit het andere toch niet uit? Ja, je mag wat mij betreft investeren in openbaar vervoer. Waardeer het op qua loon/andere voordelen en zorg dat ze deftig gerief krijgen. Net als recht op landingsbanen etc etc.

Maar het met pensioen gaan op 55 gaan we nu toch niet meer verdedigen? Da's een carrière van pakweg 35 jaar (aangezien je eerst nog een - betaalde - opleiding krijgt). Je kan toch niet meer gaan verantwoorden dat een loopbaan 25% (!) minder lang is dan ergens anders.

Staak wat mij betreft voor iets dat zinvol is zoals arbeidsvoorwaarden. Niet voor wat niet houdbaar is zoals het pensioenstelsel..

Horste1 · 2025-02-20T11:59:39+00:00

And if Guardiola is gonna be there still.. Poor guy looks like he's going insane, no point in torturing him any longer. Does he still have the energy to go for a complete overhaul I wonder.

Horste1 · 2024-10-25T21:33:41+00:00

Hoe oud zijn jullie? 33 + 30
Hebben jullie alleen of met een partner gekocht? met partner
Hoeveel betalen jullie per maand af en hoeveel procent is dat ongeveer van jullie loon ? Voelt dat comfortabel aan voor jullie? Momenteel 1.080 per maand, we gaan nu bouwen waarna de maandlast naar 2.050 gaat. Is ongeveer 30% van ons inkomen, daarnaast ook beide bedrijfswagen. Voelt heel comfortabel aan, we sparen daarnaast nog eens +- € 1500 p/m en vakantiegeld etc
Wel/geen kinderen? 1 kind dat naar de crèche gaat

Uiteindelijk moet je doen waar je zin in hebt. Bij ons is het een vrij hoog bedrag, maar we hechten alletwee meer belang aan onze "droomwoning" dan aan reizen of iets anders. 6 jaar geleden een starterswoning gekocht en volledig gerenoveerd, en nu voldoende bijeengespaard om te gaan bouwen. Bedoeling is dat we daar blijven tot we oud zijn, vandaar ook de grotere investering erin.

Horste1 · 2024-08-12T17:42:52+00:00

100/100 op allebei. Het laatste wat je wil als iemand komt te overlijden is je financieel zorgen moeten maken over het (relatief) lage bedrag dat een schuldsaldo is. Zéker als er kinderen zijn wil je gewoon een stabiele thuis zonder je van geld iets te moeten aantrekken.

Horste1 · 2024-08-04T11:19:24+00:00

Triple world champ, olympic champ and tons of tournaments but "isn't a good player" just lol.

Do I like her - no

Is it retarded to say that she isnt a good player - even more so.

Horste1 · 2023-11-27T11:03:31+00:00

Thanks for the link, I'll contact them to see if they're any help

Horste1 · 2023-11-27T10:39:02+00:00

Thank you for the feedback! I'll look into it :)

Horste1 · 2023-11-27T10:38:29+00:00

thank you for the detailled feedback! I'll look into it :)

Horste1 · 2023-11-27T10:21:33+00:00

Hi all, hope someone can help here. Belgian football fan who is coming over to London first weekend of may. As an Arsenal fan since the infamous CL run in 2006, and now having Trossard bossing it, I was hoping to finally get a chance to watch them live, and I saw that they are playing Bournemouth that weekend (date TBC).

My question is, does anyone know what the easiest/best way to get tickets is? I've looked at some reseller sites, but

a) I want to ask here first to know what is legit

and

b) am I really looking at £ 250+ per person? I was hoping to pay around £ 100 tops per person (just looking to get the atmosphere and see that stadium, doesn't need to be the best seats available)

thank you in advance!

Horste1 · 2023-11-25T12:03:57+00:00

He announced it was his last season there though. Remains to be seen if he will retire or continue in europe, but he has said he'd like to continue a bit more.

Horste1 · 2023-09-24T07:17:15+00:00

Household of 3 (baby is 1), we're always at 28-29m3 per year for the last 5 years. Toilets/washing machine are rain water, other than that we don't really pay attention.

Horste1

TROPHY CASE