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Whatamidoinghere said: Jurgen Nobert Klopp said: I stopped getting notifications...-,- Goodnews then.  Happy birthday Bozz. thanks bro it was celebrated in style http://en.strikermanager.com/partido.php?id=17660922&accion=simul&vis=noFlash |
09/03/2015 14:54 |
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My OM fucking his wives, now @ 9goals | 09/03/2015 15:11 |
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The chant in my stadium today. Sicox JNK, Sicox JNK |
09/03/2015 15:16 |
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Whatamidoinghere said: The chant in my stadium today. Sicox JNK, Sicox JNK now 10 for SNEIJDER |
09/03/2015 15:18 |
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And here are the updated promotion/relegation tables after R22. C1  A1  Any errors in the table, PM me. Edited by sicox86 09-03-2015 19:22 |
09/03/2015 19:22 |
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http://en.strikermanager.com/partido.php?id=17648762 Wut? |
09/03/2015 21:30 |
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sicox86 said: And here are the updated promotion/relegation tables after R22. C1 A1 Any errors in the table, PM me. Edited by sicox86 09-03-2015 19:22 The log gives a bit of hope... Nice! |
09/03/2015 22:22 |
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Has anyone been able to AMORTIZE loans today??? It isn't gonna anortize here. | 09/03/2015 22:39 |
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T. Mayor said: Has anyone been able to AMORTIZE loans today??? It isn't gonna anortize here. I never amortize. I just take out the loan at max repayment and either invest it in something that will/did bring a greater return (i.e. stadium) or I stick in deposits. Someone with a little more math than me can tell me if earning 7% divided by 13 weeks makes more money than repaying at 7% over 25 weeks.  |
09/03/2015 23:25 |
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@vgates said: T. Mayor said: Has anyone been able to AMORTIZE loans today??? It isn't gonna anortize here. I never amortize. I just take out the loan at max repayment and either invest it in something that will/did bring a greater return (i.e. stadium) or I stick in deposits. Someone with a little more math than me can tell me if earning 7% divided by 13 weeks makes more money than repaying at 7% over 25 weeks. Deposits  Loan  So you'd be paying 4286€ to make 538€. Not even close! 7% compound in one week is pretty easy to cover, though, if you can buy and sell, or stick it in an investment like the stadium. Just don't put a loan in your deposits if you want to make money. The deposits add 1/13 of 7% flat of your principal each week, whereas the loan charges you 1/t of 7% but over t compounding periods. In this case, t=25. The important thing to remember is that 1+((r/t)^t) > 1+r/t for a constant value of t. If you change the compound t (loan over longer period, you could technically make it work, but with 25 being max you won't get there. Mayor asked about amortizing - I forget what fee this carries, but I think it's about 8%-10% flat of the outstanding amount - pretty expensive, but marginally cheaper than letting the loan run out. There is a reason for this - the parameters of the game mean that if we were able to repay 7% flat it would be the same as a 0% deposit. Which would be pointless (excluding a minor effect of something called the time value of money principle). 8%-10% flat, whatever it is, fits between the 7% compounded rate and the 7% flat rate. Without knowing how much the principal is we can't say for sure, but I'd say that the difference between the flat repayment rate and the compound rate charged on the outstanding debt is so small you'd usually be better off keep in that money and investing in something (time value of money). Boring, I know, but that's why. TL: DR - deposits are a little bit kind, loans are a lot mean. The bank always wins. Edited by sicox86 10-03-2015 00:38 |
10/03/2015 00:26 |
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