634x258 Members
28 July 2013 3153 comments
Mark Mark
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Following on from yesterday’s preview movie, which highlighted the Projections and Rate My Team’s Player List feature at work, we now cast an eye over the Build My Team component.

Once again, I got together with Rate My Team’s creator, Chris Atkinson, to demonstrate and talk you through how this feature works in practice. The movie highlights how you can piece together a pre-season lineup and how, once the season is underway, Rate My Team can help not only with transfer strategies but also with selection dilemmas such as the captaincy and bench order.

In the third part of the Rate My Team movie previews we’ll be talking at length on how the tool works behind the scenes, including a full run through of the steps we take to keep it maintained and providing numbers that can help with your lineups.

Just a note for those looking to add their team id’s in order to retrieve their lineups in Rate My Team – as the movie explains, this feature is not available until squads are locked down for Gameweek 1 and made public. Otherwise, of course, we’d all be able to view each other’s teams right now by just adding ID’s into the tool. Rest assured, once Gameweek 1’s deadlines has passed, you will be able to add and save your team ID to transfer your current lineup into the tool for tinkering.

Fantasy Football Scout Memberships are now available for the pre-season price of £12.50.

Registered users can click here to upgrade their account.

New users can click here to sign up.

For further details on the benefits offered by our membership, view this page.

What is Rate My Team?
Rate My team is a statistical model built specifically to assess every player in the Premier League and return their expected values for Fantasy Premier League (FPL) points in a given Gameweek. The system is a complex and thorough one which, of course, plots the probabilities of a player’s time on the pitch, their expected number of goals, assists, bonus points, yellow and red cards, clean sheets, own goals, goals conceded and saves. The strength of the opponent they are facing in a given Gameweek is also crucial; so every team has an attacking and defensive rating, every player a probability of playing a given match with injuries, suspensions and international absence factored in.

How Can It Help Me?
If you’re a member you can use the Rate My Team tool in a number of ways. Firstly, you can use it as a projections tool to predict what specific players will score, on average, over the next X number of Gameweeks. As you would have seen in our first movie, you have a players table that can be filtered by position or FPL cost and which can be extended to show any number of Gameweeks. You can also sort on ā€œValueā€ to find those players projected to offer the best points per million return.

However, this is just one part of the functionality. Rate My Team can also analyse your existing FPL lineup, recommend captains, vice captains, your bench and bench order, and allow you to model your future transfers. You’ll see this at play in the movie above.

Mark Mark created the beast. He's now looking to tame it.

  1. Bushyzor
    • 12 Years
    12 years, 4 months ago

    Hey all. I'm new to this and would appreciate feedback on my team:

    Mignolet - Davis
    Chester - Turner - Parr - Clark - Collins
    Mata - Hazard - Bale - Wanyama - Thomas
    Van Persie - Benteke - Gayle

    As you can see I've gone very weak on my defenders. Is this a good idea?

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    1. super zlatan
      • 14 Years
      12 years, 4 months ago

      I would consider changing mata to Walcott or silva and get a Chelsea defender as many don't see mata playing the first game.

      Your defence needs work IMO.

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      1. Bushyzor
        • 12 Years
        12 years, 4 months ago

        Thanks.

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    2. Big Fudge
      • 12 Years
      12 years, 4 months ago

      Hey there šŸ™‚

      Not sure about Mata's game time, so maybe get Walcott instead. With the extra 1.0m you could upgrade Parr and Chester to Clyne and Yanga-Mbiwa.

      Hope that helps šŸ˜€

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  2. Acquafresca
    • 14 Years
    12 years, 4 months ago

    Those of you who just had their first top 10k finish, are you confident you can maintain top 10k status, or will you fall under the category of 'one-hit-wonder' ?

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    1. Acquafresca
      • 14 Years
      12 years, 4 months ago

      Berbilly, Parm, Jafooli, Unreal, etc.

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      1. Zep
        • 15 Years
        12 years, 4 months ago

        Well since Unreal can't speak for himself, I will...

        No Mata 😯

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        1. Acquafresca
          • 14 Years
          12 years, 4 months ago

          And TM still owes him 1m dollars šŸ˜†

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        2. Billy Gilmore
          • 13 Years
          12 years, 4 months ago

          šŸ˜€

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    2. Christina.
      • 15 Years
      12 years, 4 months ago

      Those of you who just had their first top 1k finish, are you confident you can maintain top 10k status, or will you fall under the category of 'one-hit-wonder' ?

      Lateriser, Acquafresca...etc

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      1. Pratik
        • 16 Years
        12 years, 4 months ago

        Going by stats, fall this year.....The chances of sub 1k finishes on a consecutive basis are very rare. And they'd their fare share of luck, despite both having a good instinct.

        Where did Aatish finish this year? He got 30 last to last year. Even ENR got < 100 2 years back, pretty sure +10k this year.

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        1. Billy Gilmore
          • 13 Years
          12 years, 4 months ago

          He finished 481st.

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    3. Billy Gilmore
      • 13 Years
      12 years, 4 months ago

      I'm confident.

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      1. Christina.
        • 15 Years
        12 years, 4 months ago

        I hope you don't make it.

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        1. Billy Gilmore
          • 13 Years
          12 years, 4 months ago

          The feeling's mutual, spud.

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    4. smashy 'sophomore slum…
      • 12 Years
      12 years, 4 months ago

      I myself posted just inside 25k in my first season and am targeting a 10k to improve on it. I think I can do it with the help of the illustrious ffs hivemind šŸ™‚

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    5. Mak_Gold
        12 years, 4 months ago

        I'm gutted I missed out on my first top 10K finish. Still finished inside top 15K though. This season will definitely be my first ever top 10K finish, and, if I'm lucky, maybe even top 1K!

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      • Jude Rooney
        • 12 Years
        12 years, 4 months ago

        I'm confident of top 10k but can't see top 100 happening again!!

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        1. PDM TOP 1,000 any Season rc…
          • 16 Years
          12 years, 4 months ago

          WTG Jude Rooney !

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          1. Jude Rooney
            • 12 Years
            12 years, 4 months ago

            Cheers fair bit of luck along the way but finding this site certainly helped.

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      • Gaz Downright
        • Has Moderation Rights
        • 15 Years
        12 years, 4 months ago

        Top 10k is mandatory imo

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      • pundit of punts
        • 12 Years
        12 years, 4 months ago

        i finished at 12,885 and it was my first season. am I elite enough? šŸ˜‰

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        1. Acquafresca
          • 14 Years
          12 years, 4 months ago

          I finished 6.3k my first sesaon and thought i did shite.

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          1. smashy 'sophomore slum…
            • 12 Years
            12 years, 4 months ago

            That's because you're so 'elite' šŸ˜‰

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            1. Acquafresca
              • 14 Years
              12 years, 4 months ago

              just high expectations i guess.

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          2. pundit of punts
            • 12 Years
            12 years, 4 months ago

            was 2011-2012 your first season? i remember you posting here that you couldn't re register with your previous id and had to make a new one which meant your all previous season history disappeared.

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      • Just A Hat
        • 16 Years
        12 years, 4 months ago

        ahh I remember the days of the top 10k finish...good times

        They are well and truly gone

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    6. Comment removed. Please refer to our terms and conditions on posting comments. Do not seek to start discussions about other users.

      1. Billy Gilmore
        • 13 Years
        12 years, 4 months ago

        *beep...beep...beep*

        The Stilibot is coming.

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      2. TorresMagic™
        • Fantasy Football Scout Member
        • Has Moderation Rights
        • 16 Years
        12 years, 4 months ago

        Currently under moderation, discussion needs to stop. Cheers.

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    7. cfreel
      • 12 Years
      12 years, 4 months ago

      WILL J.COLLINS BE IN STARTING 11 FOR WEST HAM?

      Who I go for?

      1) Collins

      2) Reid

      3) Rat

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      1. Epic Fail
        • 15 Years
        12 years, 4 months ago

        1

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      2. Big Fudge
        • 12 Years
        12 years, 4 months ago

        1

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    8. Tornado
      • 16 Years
      12 years, 4 months ago

      miralles + cornelius

      OR

      snodgrass + j rod

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      1. Big Fudge
        • 12 Years
        12 years, 4 months ago

        B

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      2. Epic Fail
        • 15 Years
        12 years, 4 months ago

        A

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        1. Tornado
          • 16 Years
          12 years, 4 months ago

          am leaning towards miralles as i think he could be explosive.....

          cornelius the concern although he had a great season with copenhagen last year

          why are people so hot on j rod?

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    9. Twelve years a slave
      • 15 Years
      12 years, 4 months ago

      Anyone going off the 4.5 or less defence?

      My original defence was Clyne Collins Turner Alcaraz Taylor
      However am gradually coming around to the idea of a slight increase in expenditure. Have bought in Toure
      for Taylor. Only another .5 and provided he nailed on should be a good upgrade.
      Also with the double have removed Clyne for Cole , who will become Mertzacker

      Has a better balance to it , it an extra 2m but should be worth it hopefully , and gives the team a better shape

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      1. Waighty
        • 12 Years
        12 years, 4 months ago

        is toure definitely nailed on?

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      2. Crouch Potato!
        • 14 Years
        12 years, 4 months ago

        No where near deciding, People often discuss defensive spending as if it is wasted cash. I disagree. I need to see the outcome of the Bale situation before I decide how much to invest.

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      3. Jude Rooney
        • 12 Years
        12 years, 4 months ago

        Alcaraz to Coleman for me.....

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      4. cfreel
        • 12 Years
        12 years, 4 months ago

        Kolo Toure?

        If so wouldnt bother with him, but the Cole idea is a good one.

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        1. Crouch Potato!
          • 14 Years
          12 years, 4 months ago

          Why, were he in the starting 11, would be like a sale item in a charity shop.

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          1. cfreel
            • 12 Years
            12 years, 4 months ago

            Don't think he will start above Agger and Skrtel but if he does then could be worth a go

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      5. Jafooli
        • 13 Years
        12 years, 4 months ago

        I think the possibility of extra Bale-less funds will see people strengthen their defences. Might and an extra 1.0-1.5m myself, but not much more.

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      6. Mr Sarcastic
        • 15 Years
        12 years, 4 months ago

        No Mignolet then I suppose?
        I've been changing between Migs + 4.0 and Boruc + Foster...

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      7. Jönny
        • 16 Years
        12 years, 4 months ago

        There's a lot of value in more expensive defenders I think: Toure, Mertesacker and Zabaleta stand out to me. Won't be able to fit all three in at this point, but will probably have a couple. (Although starting with Cole.)

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    10. 4321
      • 13 Years
      12 years, 4 months ago

      So is there much of a template team around yet?

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      1. Epic Fail
        • 15 Years
        12 years, 4 months ago

        Yep.

        RMT = Rate My Template.

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      2. pundit of punts
        • 12 Years
        12 years, 4 months ago

        after every pre season game the template changes. it's always evolving. šŸ˜›

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    11. PDM TOP 1,000 any Season rc…
      • 16 Years
      12 years, 4 months ago

      Haz Bale Wally core of most midfields

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    12. smashy 'sophomore slum…
      • 12 Years
      12 years, 4 months ago

      Ouch! Sorry scouts I didn't mean any harm, was just asking a honest question. Didn't know it was such a sensitive subject.

      Guess I'll go give those terms and conditions a good read....

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      1. Epic Fail
        • 15 Years
        12 years, 4 months ago

        Too late, the damage has already been done. I hope you can live with yourself.

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      2. TorresMagic™
        • Fantasy Football Scout Member
        • Has Moderation Rights
        • 16 Years
        12 years, 4 months ago

        You didn't know, fair enough.
        Still needed to close the discussion down.

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      3. Holy See
        • 15 Years
        12 years, 4 months ago

        I can forgive, but I can't forget.

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      4. TorresMagic™
        • Fantasy Football Scout Member
        • Has Moderation Rights
        • 16 Years
        12 years, 4 months ago

        Will be locking replies to this now.

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    13. lfcserg
      • 13 Years
      12 years, 4 months ago

      RMT (assuming bale leaves)

      Mignolet - Given

      Luiz - Collins - Clyne - Turner - Chester

      Hazard (c) - Walcott - Coutinho - Mirallas - Thomas

      Aguero - Lukaku - Lambert

      Should I do Lambert > Jrod and upgrade my defence?

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      1. Big Fudge
        • 12 Years
        12 years, 4 months ago

        Very nice team. Downgrading Lambert to J Rod could help the defence, but it's up to you šŸ™‚

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      2. MARVELLUS
        • 16 Years
        12 years, 4 months ago

        Looks very good.
        Aguero a risk over game time, especially for the easier games at the start, but I'm sure you know that. He is in my team, but may switch him.
        I prefer Lambert, could switch Migs to a 4.5, bring in Toure to save cash, if you wanted to upgrade defence.

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    14. Waighty
      • 12 Years
      12 years, 4 months ago

      has anyone on here got negredo in their team?

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      1. Epic Fail
        • 15 Years
        12 years, 4 months ago

        He's a consideration.

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        1. Waighty
          • 12 Years
          12 years, 4 months ago

          im thinking about having sturridge for the first few weeks and .5 mill in the bank to monitor him

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      2. Spectre
        • 16 Years
        12 years, 4 months ago

        Monitoring atm. Dzeko is pushing for a starting spot too..

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      3. smashy 'sophomore slum…
        • 12 Years
        12 years, 4 months ago

        Doh!!

        :-p

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    15. rewtasw
      • 13 Years
      12 years, 4 months ago

      What are peoples thoughts on this team?

      Mignolet (Boruc)
      M Turner - Collins - Mertersacker ( Hudson - Coleman)
      Snodgrass - Walcott - Hazard (C) - Coutinho (Koren)
      Sturridge - Benteke - Lukaku

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      1. Epic Fail
        • 15 Years
        12 years, 4 months ago

        Mert to Chelsea defender.

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        1. Jafooli
          • 13 Years
          12 years, 4 months ago

          This for a 8.5/10

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          1. Epic Fail
            • 15 Years
            12 years, 4 months ago

            I think he might need to find 0.5 from somewhere, but should be worth it.

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            1. Jafooli
              • 13 Years
              12 years, 4 months ago

              Maths not my strong point...

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      2. Jafooli
        • 13 Years
        12 years, 4 months ago

        G 7.5/10
        D 7.5/10
        M 8.5/10
        F 8.5/10

        Consistent across the board - 8/10

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      3. Big Fudge
        • 12 Years
        12 years, 4 months ago

        Coleman > Toure

        M. Turner > Clyne

        Hudson > Chester/B. Turner

        Rest of the team looks good šŸ™‚

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      4. Doosra - ☭DeclanMyGeniusā…
        • Fantasy Football Scout Member
        • 16 Years
        12 years, 4 months ago

        May I suggest switch from Bentekke to Agbonlahor or Weimann, and upgrading Koren?

        That way, you can bench the Villa man GW3.

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        1. Doosra - ☭DeclanMyGeniusā…
          • Fantasy Football Scout Member
          • 16 Years
          12 years, 4 months ago

          PS I like your team.

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      5. smashy 'sophomore slum…
        • 12 Years
        12 years, 4 months ago

        Pretty sexy, as it's close to mine šŸ™‚

        I can't resist the Benteke/Lukaku combo for the double....mmmmm

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      6. rewtasw
        • 13 Years
        12 years, 4 months ago

        thanks a lot for advice guys

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    16. Doosra - ☭DeclanMyGeniusā…
      • Fantasy Football Scout Member
      • 16 Years
      12 years, 4 months ago

      Tsk.

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      1. Holy See
        • 15 Years
        12 years, 4 months ago

        Pff.

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      2. Gaz Downright
        • Has Moderation Rights
        • 15 Years
        12 years, 4 months ago

        meh

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        1. Doosra - ☭DeclanMyGeniusā…
          • Fantasy Football Scout Member
          • 16 Years
          12 years, 4 months ago

          šŸ˜€

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      3. Jafooli
        • 13 Years
        12 years, 4 months ago

        tl:dr

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        1. Billy Gilmore
          • 13 Years
          12 years, 4 months ago

          šŸ™‚

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          1. Jafooli
            • 13 Years
            12 years, 4 months ago

            Just read it now - makes sense - agree all points Doos has made....

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      4. Mak_Gold
          12 years, 4 months ago

          Hey Doos, am I in the H2H leagues? You had asked for my details once, so I'm assuming I'm in?

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          1. Doosra - ☭DeclanMyGeniusā…
            • Fantasy Football Scout Member
            • 16 Years
            12 years, 4 months ago

            http://ginkapo.wordpress.com/league-6/

            Code for main league going out tonight/tomorrow.

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            1. Mak_Gold
                12 years, 4 months ago

                Ah, cheers man. šŸ˜€ Really looking forward to it..

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        • ManTree(v2!) or just JAY!
          • 14 Years
          12 years, 4 months ago

          Hey folks

          Can you please RMT:

          Mignolet
          Clyne, Turner, Ivanovic
          Bale, Hazard, Coutinho, Koren
          Benteke, Berbatov, Lukaku

          (£4.0, Thomas, Chester, Turner)

          Also have £2.5m in bank to get RVP
          Thoughts or suggestions please?!
          Thank you

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        • Waighty
          • 12 Years
          12 years, 4 months ago

          Interested in jafooli and anyone else's opinion since he is rating teams
          Mignolet (Boruc)
          Mertesacker, Zaba, Murner (Burner, Clyne)
          Bale, Hazard, Mirallas, Snodgrass (Koren)
          Sturridge, Berbatov, Lukaku

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          1. Waighty
            • 12 Years
            12 years, 4 months ago

            0.5 in the bank

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            1. Jafooli
              • 13 Years
              12 years, 4 months ago

              Also useful to have a few pence in the bank. For the first knee-jerk of the season!!

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          2. Jafooli
            • 13 Years
            12 years, 4 months ago

            G 7.5/10
            D 8/10
            M 8.5/10
            F 9/10

            Overall 8/10, good et up, no massive weak links, but I'm no expert btw, just a random punter šŸ˜€

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          3. Doosra - ☭DeclanMyGeniusā…
            • Fantasy Football Scout Member
            • 16 Years
            12 years, 4 months ago

            Why do you have Boruc with Mignolet?

            Burner may be a no-go.

            Not enough Chelski/Villa.

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        • Luis Suarez Ate My Homework
          • 14 Years
          12 years, 4 months ago

          One must have per position:

          GK:
          DF:
          MF:
          FW:

          GO!

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          1. Gaz Downright
            • Has Moderation Rights
            • 15 Years
            12 years, 4 months ago

            gone

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            1. Doosra - ☭DeclanMyGeniusā…
              • Fantasy Football Scout Member
              • 16 Years
              12 years, 4 months ago

              ... but not forgotten! šŸ˜‰

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          2. Billy Gilmore
            • 13 Years
            12 years, 4 months ago

            GK: -
            DEF: -
            MID: Bale and Hazard
            FW: -

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          3. Epic Fail
            • 15 Years
            12 years, 4 months ago

            No such thing as 'must have' defenders

            MF: Bale

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            1. Doosra - ☭DeclanMyGeniusā…
              • Fantasy Football Scout Member
              • 16 Years
              12 years, 4 months ago

              Oooh yes, there are. Ivanovich. šŸ˜‰

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              1. Epic Fail
                • 15 Years
                12 years, 4 months ago

                Pffft he's so last season. šŸ˜‰

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                1. Doosra - ☭DeclanMyGeniusā…
                  • Fantasy Football Scout Member
                  • 16 Years
                  12 years, 4 months ago

                  True ... and ... šŸ˜‰

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              2. Luis Suarez Ate My Homework
                • 14 Years
                12 years, 4 months ago

                Do you not think Luiz will score higher points this season than Ivanovic?

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            2. Luis Suarez Ate My Homework
              • 14 Years
              12 years, 4 months ago

              Bale............ will he stay or will he go?

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        • Twelve years a slave
          • 15 Years
          12 years, 4 months ago

          Wish Swansea had better fixtures , really want Bony and/or my old mate Michu.
          Man U not the best defence in the world , and Michu does score against the good teams,

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        • markymark
          • 15 Years
          12 years, 4 months ago

          No City cover?

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        • King Huth
          • 13 Years
          12 years, 4 months ago

          Which option is better

          A. luiz/cole and anelka

          B. 4.0 def and Lukaku

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          1. Dogba
            • 13 Years
            12 years, 4 months ago

            I'm thinking B has more potential.

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          2. Tommyg
            • Fantasy Football Scout Member
            • 16 Years
            12 years, 4 months ago

            Lukaku is potentially more profitable but for security go with Luiz.

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            1. Planet Jo
              • 13 Years
              12 years, 4 months ago

              See what happens with Bayern's bid for Luiz

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              1. Lord Flashheart
                • Fantasy Football Scout Member
                • 14 Years
                12 years, 4 months ago

                No chance

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          3. Sánchez
            • 13 Years
            12 years, 4 months ago

            Cole and Cornelius beats em both.

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        • Just A Hat
          • 16 Years
          12 years, 4 months ago

          Heres a good hot topic

          If somebody said for $1000 that you could have UNLIMITED funds in FPL but you need to finish in the top 500 in the world, would you accept?

          If you manage to finish in the top 500 you win $10,000. If you don't, you lose the $1000

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          1. ManTree(v2!) or just JAY!
            • 14 Years
            12 years, 4 months ago

            would be easy i think šŸ™‚

            if you said top 5 it would make me think though...

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            1. Just A Hat
              • 16 Years
              12 years, 4 months ago

              haha I think it would be still quite difficult, plus you have a lot on the line so you'd probably make a few nervy decisons

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              1. Twelve years a slave
                • 15 Years
                12 years, 4 months ago

                Would still be difficult ,

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          2. Jafooli
            • 13 Years
            12 years, 4 months ago

            Prefer unlimited transfers, I think. But probably still manage to balls it up šŸ˜€

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            1. Twelve years a slave
              • 15 Years
              12 years, 4 months ago

              actually it sshould be fairly easy , the defence would make a massive difference ,

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              1. Caine & Co.
                • 15 Years
                12 years, 4 months ago

                defo. and you dont need to worry about value so could change the front 8 all the time as you like

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          3. TheSpethelWon
            • Fantasy Football Scout Member
            • 12 Years
            12 years, 4 months ago

            Remembering that there could be another 1000 people who choose the same option as you that you'd need to finish ahead of.

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        • ManTree(v2!) or just JAY!
          • 14 Years
          12 years, 4 months ago

          Lost at bottom of last page!

          Can you please RMT:

          Mignolet
          Clyne, Turner, Ivanovic
          Bale, Hazard, Coutinho, Koren
          Benteke, Berbatov, Lukaku

          (£4.0, Thomas, Chester, Turner)

          Also have £2.5m in bank to get RVP
          Thoughts or suggestions please?!
          Thank you

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          1. smashy 'sophomore slum…
            • 12 Years
            12 years, 4 months ago

            Nice lookin', except I would give a slight edge to Lambert over Berbs, or upgrade Koren/Thomas.

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        • Planet Jo
          • 13 Years
          12 years, 4 months ago

          How are other RVP-ers shoehorning him into their team?

          I've gone budget strikers (reckon will keep J.Rod as he will rise in value/Weimann to v.Wolf after the DGW).

          Should I downgrade the defence a bit further to free-up funds?

          It's tough, but uncertainty and rotation will badly affect Chelsea/Man City strikers.

          Ming/Boruc
          Mertesacker, Cole, Collins, Clyne, Coleman
          Michu, Pienaar, Hazard, Snodgrass, Kim
          RVP, J.Rod, Weimann

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          1. smashy 'sophomore slum…
            • 12 Years
            12 years, 4 months ago

            Crowbars and duct tape.

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        • Old Schoolᓼˢ “disa…
          • 14 Years
          12 years, 4 months ago

          I hate the tax man... what the feck are voluntary contributions and why do they differ for me and my wife..?

          Unbelievable that my wife has to pay 10 times more than me as she is currently taking a career break to look after the kids but because we don't live in the UK that is irrelevant...

          Rant over...

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          1. Jafooli
            • 13 Years
            12 years, 4 months ago

            Move to Singapore. Tax rate very reasonable and the government spends it wisely. Everything works. Don't begrudge paying it at all. In fact almost a pleasure to contribute when you know it's not going to junket monkeys.

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            1. Old Schoolᓼˢ “disa…
              • 14 Years
              12 years, 4 months ago

              I'd still have to pay these NI contributions if I want a state pension in the UK, even though there is no guarantee there will even be a pension when I get to that age...

              Anyway not not really the place for this but wanted to get it off my chest as just had to fork out GBP 4K for the past 5 years which I am well pi$$ed off about šŸ™

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              1. Jafooli
                • 13 Years
                12 years, 4 months ago

                Ah right NI contributions, got it. Yeah I've kept my upto date also - direct debt ftw - don't even notice it.

                But agreed, state pension in thirty years time, good luck with that 😮

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          2. junitrules
            • 12 Years
            12 years, 4 months ago

            Wouldn't bother with volunatary contributions, look to get a private pension. Most employers are having to bring them in for their employees by law

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            1. Old Schoolᓼˢ “disa…
              • 14 Years
              12 years, 4 months ago

              My missus doesn't have an employer... and is basically being told by the state "because you followed your husband to another country and bring up the kids rather than work, you are irrelevant and have to pay 10 times more than your husband"

              It's shocking but I suppose they are used to people ripping them off so have changed the law to compensate...

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              1. junitrules
                • 12 Years
                12 years, 4 months ago

                But they are voluntary contributions right? There's probably better ways to invest the money you are putting in. Speak to a financial advisor. Even putting money into an ISA you'll probably get more money than the 'state pension'

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                1. Old Schoolᓼˢ “disa…
                  • 14 Years
                  12 years, 4 months ago

                  for 700 quid per year she will get over 7K back per year when she is retired..

                  i will look into private pensions

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                  1. junitrules
                    • 12 Years
                    12 years, 4 months ago

                    Yeah, it's definately worth speaking to a financial advisor though, they'll be able to make your money go further. Check how they are paid, quite a few get the money from the pension provider for example, meaning you don't need to pay them

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            2. pompeyfan
              • 16 Years
              12 years, 4 months ago

              I also wouldn't bother with NI contributions. Since leaving the UK I pay nothing. I wouldn't trust there to be any money left for public pensions anyway. Private pensions are the way forward, and since your wife doesn't have an employer she you could both just put an extra amount away yourselves in a long term bond/stocks/maxi-ISA or something like that.

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              1. Old Schoolᓼˢ “disa…
                • 14 Years
                12 years, 4 months ago

                ta.. as above will look at the private pension route?

                can't do ISA's as non UK resident.

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        • Mak_Gold
            12 years, 4 months ago

            Ah, cheers man. šŸ˜€ Really looking forward to it.

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            1. Mak_Gold
                12 years, 4 months ago

                Reply fail to Doosra on the last page. šŸ™

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            2. System builder
              • 13 Years
              12 years, 4 months ago

              David Luiz or Ashley Cole? which defender will you choose and why?
              [assuming Bayern's bid for Luiz is rejected]

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              1. MARVELLUS
                • 16 Years
                12 years, 4 months ago

                David Luiz, much more exciting.
                Potential pens, free kicks.

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                1. System builder
                  • 13 Years
                  12 years, 4 months ago

                  but is he guaranteed for 90 mins like Cole?

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                  1. MARVELLUS
                    • 16 Years
                    12 years, 4 months ago

                    Guess not, Cahill is in competition, but think he will be a regular, and Bertrand could get the odd start...

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                    1. System builder
                      • 13 Years
                      12 years, 4 months ago

                      tbh, I don't think Bertrand will get the start ahead of Cole like you say at least during the start of the season.

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            3. tommoeommo
              • 16 Years
              12 years, 4 months ago

              This is my first RMT, hoping to get a response as it's early!
              Boruc, Marshall
              Nastasic, Toure, Collins, Luiz, Clyne
              Hazard, Silva, Walcott, Jarvis, Clyne
              Sturridge, Kone, Aguero

              Any opinions would be greatly appreciated!

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              1. tommoeommo
                • 16 Years
                12 years, 4 months ago

                Sorry, 5th midfielder is Barkley, not Clyne***

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                1. junitrules
                  • 12 Years
                  12 years, 4 months ago

                  How much is Barkley? I'm sure there are better options

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              2. Matakuko
                • 14 Years
                12 years, 4 months ago

                Too many players who are not nailed on for my liking.

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              3. Jafooli
                • 13 Years
                12 years, 4 months ago

                Good mix across all sectors - If Bale stay's you'll get him in right?

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            4. Bullet Tooth Bony
              • 13 Years
              12 years, 4 months ago

              A. Cech - Silva - Aspas

              B. Boruc - Bale - J.Rod

              Bale is starting to frustrate me

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              1. Messi & fabregas
                • 14 Years
                12 years, 4 months ago

                a

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            5. Piggs Boson
              • 14 Years
              12 years, 4 months ago

              Best 9m keeper combo?

              Boruc/Speroni?

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              1. HVT
                • Fantasy Football Scout Member
                • 15 Years
                12 years, 4 months ago

                Hi Gb - you playing punty or mainstream this season ?

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                1. Piggs Boson
                  • 14 Years
                  12 years, 4 months ago

                  I'm trying to stay mainstream but I can't seem to manage it. I already have a plan to Rooney instead of RVP šŸ˜†

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                  1. HVT
                    • Fantasy Football Scout Member
                    • 15 Years
                    12 years, 4 months ago

                    šŸ™‚

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              2. Pete Campbell
                • Fantasy Football Scout Member
                • 14 Years
                12 years, 4 months ago

                that or Marshall/Speroni

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            6. chris_webs23
              • 14 Years
              12 years, 4 months ago

              Having a think now, who will score more points do you think? Lukaku or Cech?

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              1. Epic Fail
                • 15 Years
                12 years, 4 months ago

                Lukaku. Provided he gets enough minutes.

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                1. chris_webs23
                  • 14 Years
                  12 years, 4 months ago

                  thats the problem, i think chel$ki will keep 2 cleanies, and obv cech will play full 180...

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              2. Jafooli
                • 13 Years
                12 years, 4 months ago

                Think that could be a close run thing over the season, mainly because more competition for Lukaku's place, otherwise if he was nailed on he would win.

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                1. chris_webs23
                  • 14 Years
                  12 years, 4 months ago

                  i think chelsea will be tighter with jose.

                  and i dont get the love for benteke against big teams anyway

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              3. HVT
                • Fantasy Football Scout Member
                • 15 Years
                12 years, 4 months ago

                Season or Dgw ? Seems to be some confusion , I presume you mean Dgw

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                1. chris_webs23
                  • 14 Years
                  12 years, 4 months ago

                  dgw, its a bit early to pick a team for the season now i think...

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            7. cyw1988
              • 13 Years
              12 years, 4 months ago

              Guys I was looking at the west ham defence... Reid Collins and Tomkins for CB... Is collins really more nailed on than tomkins or reid?

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              1. Jafooli
                • 13 Years
                12 years, 4 months ago

                Doos - what's the latest?

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              2. Old Schoolᓼˢ “disa…
                • 14 Years
                12 years, 4 months ago

                yes against Tomkins. No against Reid

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                1. cyw1988
                  • 13 Years
                  12 years, 4 months ago

                  What about Collins? He is the oldest among the 3... I am very tempted to go Tomkins > Collins cos Newcastle wanted him last time... which meant he is good.. any news that Big sam would utilise him more this time?

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                  1. Old Schoolᓼˢ “disa…
                    • 14 Years
                    12 years, 4 months ago

                    I was answering your question is collins more nailed on....

                    yes against Tomkins. No against Reid

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                    1. cyw1988
                      • 13 Years
                      12 years, 4 months ago

                      sorry about that... i thought you meant tomkins was more nailed on than reid.. haha.. my bad

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