Subject: Questions & Answers

Actually the interests you pay mostly depend on how long you take to repay the loan. The weekly payments consist of two amounts, a slice of the capital borrowed and the interests on that slice of capital. For example if you take a maximum loan valued at 35 120 000$ at a rate of 26% for 20 weeks your weekly payments will consist of a slice of capital of 1 756 000$ and interests at 26% on that amount for 456 560$ giving you a total of 2 212 560$ in weekly fees.

Let's say you decide to repay the loan after 10 weeks. You will have already payed half the borrowed amount(17 560 000$) with interests at 26% (4 565 600$) for a total of 22 125 600$. When you prematurely repay a loan, the balance is payed at a rate of 7%, the discount is simply the difference between the amount of interests you would have payed at 26% and the interests you pay at 7%. Your final payment stands at 18 789 200$ consisting of 17 560 000$ in capital and 1 229 200$ in interests. The total interests payed amounts to 5 794 800$ (4 565 600+1 229 200) for an effective interest rate of 16.5% (5 794 800/35 120 000)

If you look at the loan options you could have selected 10 weeks at 16% interests. Like I said the interests you pay mostly depend on how long it takes you to repay the loan and not which loan option you select. Choosing the highest interest rate and repaying prematurely costs sensibly the same as choosing a lower rate loan but letting it run it's course. The advantage of higher rate loans is they allow you more flexibility should you end up needing it while loans with lower interests can save you a few bucks.

The trick is to know how long it should take you to repay your loan and make a decision between flexibility and saving a few bucks. The size of the loan is also an important factor, for small loans the lower interests are almost always the best option while for bigger loans flexibility is essential. For everything in between you need to look at your situation and choose which ratio of flexibility/savings is most appropriate for your particular situation.

I have a couple important games coming up and cant decide which goalie i want to use. Could you all give me your opinions on the better goalie?

G1: 105-78-35 Exp-43, Energy-96
G2: 88-43-50 Exp-19, Energy-97

Now I realize that G1 has higher stats and probably therefore better, but G2 is closer to optimal ratio. Stats wise, they have each played equal amount in league play but G2 has much much better results (may be due to easier competition, but most teams ive played have been similar so that shouldnt be too much difference). G2 has also been on a bit of a hot streak lately, not that it really means anything.

Any thoughts?

Also, do you recommend upping the game importance? Ive noticed there is a lot of debate on wether it is actually beneficial or not, but im still not sure what to take away from it. Sounds like it might just be best to leave it at 3, no?

Since you've been playing them both in league games, look at your most recent match reports for each goalie and play the one with the higher rating.

Actually I just checked for you, and they both get the same rating, so play the one you plan to keep longer and can therefore make more use of the experience.

Why do you have a secondary at 35 on one of your goalies?
That is definitely limiting their ability to play.

I bought him off the market, thats how he came. Ive been trying to get it up but the Qs low and my training facility is not great yet. But i got him for cheap so its no big deal.

Theron Aiken remporte la mise en jeu. Il transmet la rondelle à Oldřich Čepák qui tire depuis le cercle droit. Marcel Bazelya avait une vue dégagée et n'a aucune difficulté pour l'arrêter.

26:39 - Grosse mêlée devant les cages de les As. Le palet arrive jusqu'à Seth Roberts dans le trafic mais il ne peut pas tenter de lancer car il est chargé avec la crosse par Theron Aiken. Une pénalité différée est signalée lorsque Theron Aiken récupère le palet et le balance furieusement de l'autre côté de la patinoire. Un coup de sifflet retentit. Deux minutes de prison pour Theron Aiken.

how comes my player get a penalty and still get the face off?

28:05 for the second sequence

Tu devrait mettre ça dans la section des bugs / You should put this in the Bug's section of the forum. They'll look at it. Good find by the way.

If you play with one line at 45% with highest importance every game, their energy would eventually reach 0, what happens then? Do they die or retire? Or do they just play really badly?

Really badly. Exceptionally bad.

Haha, has anyone experimented with this?

Feel free . I know they play worse as energy decreases. There is a "cliff" around 80 or 85 energy where performance plummets off.

Sad to say it but we lost Frigid Affair recently. His team always played me tough and was the reason I relegated out of the top division.

How did we lose him?