u/DrawBeneficial2373

Draft Philosophy

As we approach fantasy hockey season I’m starting to formulate some ideas of how to approach the draft. I play in a bangers points league. Curious what others may think about these philosophies:

  1. Prioritize a high impact D in rounds 1-2 (eg. Makar, Hughes, Werenski, Bouchard)

I’ve found my most successful seasons to be centered around a strong D core. I usually try to get 2 studs and then fill out the group with a couple peripheral stuffers. It always seems to me that D is the most scarce position when it comes to waivers.

  1. Prioritize wingers over centers

Now, our league doesn’t have FOWs but I’ve just found that in our draft centreman can fall down the board. So, I see good value is giving a slight edge to wingers if I’m ever faced with a C vs LW/RW on the draft board.

  1. Prioritize high floors over high ceilings

Maybe I’m too risk averse in the draft. I would rather chase the boom or bust on the waiver wire rather than in the draft. (eg. Try to find the next Raddysh). I see the draft as my opportunity to build a playoff team and the wire as my opportunity to build a championship team.

I’m curious on others thoughts/priorities or if you have rebuttals to my logic. Fire away!

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u/DrawBeneficial2373 — 2 days ago

Re-amortizing

Married couple (late 20s) HHI 200k. I have DBPP. Only debt is mortgage on our home. We have 2 kids. We want to upsize in the future possibly to my parent’s home.

We have 100k in savings. I’m thinking through this as my sequence:
- Re-amortize on mortgage renewal next year back to 25 years to reduce shock of interest rate jump and protect our monthly savings (2k a month)
- Pour interest free loan we may receive (25 year repayment) money from family into mortgage on renewal.
- Aggressively save in HISA TFSA post renewal to max out and prep for possible move to my parents.
- Execute the move early-mid 30s to parents home (forever home) putting all our cash into it to achieve a manageable mortgage balance and re-amortizing once again
-Go all in on maxing out all registered accounts (RRSP, TFSA.. do RESP through process) in optimal tax saving years of careers
-Pour all extra liquid cash once all accounts maxed into paying down mortgage ASAP.

Any major gaps in my hypothetical plan? All subject to change particularly due to our current homes value being as we bought in 2022 😅

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u/DrawBeneficial2373 — 3 months ago