Subject: Questions & Answers

Loans are not as expensive as they appear to be. A Large loan with 20 weekly installments may show an interest rate of 26% but unless you let the loan run it's 20 week course you will end up paying much less. Let's take a look at how loans work, say a large loan of 50M$ with 8 weekly installments at 14% interest. How are weekly payments calculated? simply divide the 50M$ in 8 equal payments and add 14% interest to the weekly payment. In this case we repay 6.25M$ of the borrowed amount in addition to 875K$ in interests for a total of 7.125M$ each week. If we let the loan run it's course, we will have paid 14% interest on the loan.

How does the loan above compare to a 20 week loan at 26% of the same amount but where we decide to do an early repayment after 8 weeks. The weekly payments become 2.5M(50/20) of the borrowed amount and 650K$(26%) of weekly interests for a total 3.15M$. After 8 weeks we would have 30M$ of the initial borrowed amount left to repay. Early repayments use a 7% interest rate, this means we would repay 30M$ in addition to 2.1M$ in interests. If you're wondering where I got the 7%, it is simply (Final payment-remainder of borrowed amount)/remainder of borrowed amount. How much interest did we pay in this scenario, 8 weeks at 26% for 5.2M$ in addition to the 2.1M$ in early repayment for a total of 7.3M$. Based on the 50M$ we initially borrowed we get a final interest rate of 14.6% after 8 weeks which is a 0.6% difference from the first scenario.

The point of all this is to show that the interest rate you see on the loan page is not what you will be paying assuming of course an early repayment instead of letting the loan run out. So what does that 0.6% buy you? flexibility, longer loans mean smaller weekly payments which means we have more cash on hand to upgrade other facilities or buy players on the market if we wish. Shorter term loans cost a bit less but they stifle your finances while you are repaying them. Longer loans cost a bit more but allow us maneuvering room should we need to push back the final repayment a week or 2, in the second example we would have paid 16.5% interest if we let the loan run 10 weeks.

I recommend taking the maximum duration on loans and building one or two upgrades before doing an early repayment and I generally target an early repayment in the 6-8 week area.

Thanks for this detailed response. I feel like they are worth it, especially while upgrading your arena capacity.

This will be my first full season as I started at the half way point last season. I am curious what the best way to rotate players is? I currently have a level 6 regeneration facility and want to know how many games my players should play per week?

Thanks in advance!

As for Arenas, I took a different, though not necessarily better, approach. I went to maxed Single-Floor Multi-Purpose stands first. 6400 seats VS 8000 seats assuming minimum Triple-Floors, but I still get both Press Centers and the Skybox. The savings is $10.2M on each stand, so $81.6M in total, plus less maintenance costs. I'll skip Double-Floors and minimum seating on Triples, instead waiting until I can afford to build them with the full 2500 seats.

my players play in every game of the week. even friendlies.

to me, it depends on how good your regen is. with great regen, you can ice the same lineup, but with bad regen like mine, players who play the game will train less to a noticeable amount, and to avoid that, i ice players that i don't think will be on my team long term for friendly games. but then, friendly games are a great way to get players chemistry without hampering the league games. do what works for you!

I would also suggest taking loans out on a Thursday. It gives you the opportunity to payoff the loan on the Wednesday when we get paid saving a weeks interest.

Good thinking!

Anybody knows if there is a particular pattern for lines matchups or it is absolutely random? I noted that in today's game I let in two goals when my 3rd and 4th lines played against opponent's top line. Do the top two lines play against each other as well?

Ya it is random, weighted by their tactic line time percentages.

For sure? I thought that home ice advantage meant line matching in a favourable way.

99.999999931415926535897932384699999% sure.

So you're saying that there is a .000000068584000001% chance that my assumption is correct?

Within rounding error yes.

Would you give me those odds if we took this question to the developers on a $1 bet?