long time – Juegos Kizi Friv http://juegoskizifriv.net/ Fri, 25 Mar 2022 18:55:33 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://juegoskizifriv.net/wp-content/uploads/2021/10/icon-8-120x120.png long time – Juegos Kizi Friv http://juegoskizifriv.net/ 32 32 The adventures of a capricious parrot https://juegoskizifriv.net/the-adventures-of-a-capricious-parrot/ Fri, 04 Mar 2022 21:24:19 +0000 https://juegoskizifriv.net/the-adventures-of-a-capricious-parrot/ On Tuesday, February 22, in the year of our Lord (AD) 2022, written as 2/22/22 (which is almost as bad as being bombarded with 444-4444) the Mountain Elders met at Mrs. K. in Middlebourg. Not only is the date unusual, but one OF mentioned, even with the warm weather, he claimed that was wrong, and […]]]>

On Tuesday, February 22, in the year of our Lord (AD) 2022, written as 2/22/22 (which is almost as bad as being bombarded with 444-4444) the Mountain Elders met at Mrs. K. in Middlebourg. Not only is the date unusual, but one OF mentioned, even with the warm weather, he claimed that was wrong, and the rodent in Pennsylvania was right, we are going to have another six weeks of winter.

The rotation of the Old Men of the Mountain is out of whack, so the idea that the OFs were there, and next week we are there, is just going to take a weird overshoot to set things right. It’s going to be fun, but spreading wealth is what it’s all about. Some of the OFs said, if we distribute wealth, distribute some of it our way because we could use it.

One thing about the Old Men of the Mountain is that if someone has a ton of money, these OFs hide it very well. The OF who showed off a little died a long time ago.

This OF applied the old trick of taking a few twenty and placing one on each end of a stack on singles, folding it up, then securing it with a rubber band. The wad now looked like a large one, but in reality it was only about fifty or sixty dollars – if that. You have to watch those old goats.

There was a conversation about the Middleburgh Rod and Gun Club and its business. Not only active, but continuously increasing the number of members they now have.

The club would work with Scouts and Cubs, teaching them archery. Additionally, they work with many children on hunting and gun safety. Where else could one go to get the best instruction on these subjects better than a rod and gun club?

As usual at this time of year, the OFs talked about the birds they saw. We’ve reported this many times before.

We pointed out that robins don’t count because some never leave as long as there’s a nice patch of staghorn sumac around to overwinter them. The typical birds, such as the red-winged blackbird, have appeared, so early risers will be surprised by the current weather as if they had not been surprised by bad weather in the past.

An OF said he had a friend who had a parrot and the bird escaped (or maybe just wanted a little adventure in its life) a few weeks ago. The OF said his friend thought he was gone, for several reasons.

The friend thought that maybe someone caught the parrot, or maybe the parrot froze to death, or maybe the parrot had enough sense to keep flying south. For some reason though, the friend thought the parrot was gone.

Ah! But that was not the case!

A few days later, he appeared above the doghouse. The OF said the friend left the back doors open and put food in his cage, brought that cage through the back door, and within hours the parrot flew into the cage and started to eat like it never left. Like in the beginning, the bird just wanted a little adventure.

Where is the younger crowd?

It’s winter and there is still maintenance to be done by the OFs who are interested in the Long Path. The path sees some activity in the winter, but not as much as in the summer.

Snowshoers use a small portion of the trail through Thacher Park during the winter months. Hmmm. When else do people snowshoe other than during the winter months?

At one point, there were a few OMOTMs working on the path, but these OFs are getting old and they mentioned that they didn’t see many youngsters rising up to take their place.

This seems to be the case in many organizations. Many churches have noticed that their congregations are made up mostly of white-haired (or hairless) individuals.

One OF thought the younger crowd attended more active and modern churches; this same OF thinks that volunteering is still at work among the youngest, but it seems to be heading in another direction; however, the OF couldn’t quite put their finger on it.

Another OF mentioned that children today are the same as when OFs were children. Children today are no different. It’s us, we’re old and out of the loop, just like we thought our parents were. We are now our parents.

This scribe received a map from his grandson. It was more or less a proclamation of “the old order of Ye Olde Farts”. This card indicated:

“Let everyone know that you have reached the age of eligibility and been accepted into the ‘Ancient Order of Ye Olde Farts’. Belching, moaning, wheezing and sniffling are bodily noises that you’re now allowed to emit guilt-free, plus you can now pass gas, let a vent, cut cheese, or just fart in public without having to apologize.

Witnesses this February 22, 2022 by the following people present at the restaurant Mrs. K’s in Middleburgh, New York: Joe Rack, Mark Traver, Paul Nelson, Rick LaGrange, Harold Guest, Wally Guest, Glenn Patterson, Jake Lederman, Ted Feurer, Roger Shafer, Russ Pokorny, Jake Herzog, Bill Lichliter, Robie Osterman, Elwood Vanderbilt, Rich Vanderbilt, Dave Hodgetts, Bob Donnelly, John Dabrvalskes and me.

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Rangers take a hard look at why they need a player like JT Miller https://juegoskizifriv.net/rangers-take-a-hard-look-at-why-they-need-a-player-like-jt-miller/ Mon, 28 Feb 2022 05:15:00 +0000 https://juegoskizifriv.net/rangers-take-a-hard-look-at-why-they-need-a-player-like-jt-miller/ So maybe Chris Drury should have traded for JT Miller before the end of Sunday’s game against the Canucks when the Rangers CEO’s suite was just 20 yards behind Vancouver counterpart Jim Rutherford. . It wasn’t pretty at the Garden, with the Blueshirts losing 5-2 in a generally uninspired and uninspired effort midway through the […]]]>

So maybe Chris Drury should have traded for JT Miller before the end of Sunday’s game against the Canucks when the Rangers CEO’s suite was just 20 yards behind Vancouver counterpart Jim Rutherford. .

It wasn’t pretty at the Garden, with the Blueshirts losing 5-2 in a generally uninspired and uninspired effort midway through the first period to midway through the third, while Miller – a Rangers eyeball on the March 21 deadline trades approach – set up both goals for his team in the first period.

The cost of doing business with Rutherford is going to be high, no doubt. The former and possibly prodigal Ranger leads the Canucks with 59 points (20-39), good for a tie for 10th in the league. Since arriving in Vancouver in 2019-20 via Tampa Bay, Miller is 15th in the NHL with 177 points (62-115) in 174 games.

He’s tall, strong in forechecking, he wins his one-on-ones, has become extremely responsible on his side and is an elite passer. Rangers realm for a player with those attributes to slide down the right side with Artemi Panarin and Ryan Strome.

The problem, however, is that it may take a kingdom to get the 15th overall selection from the 2011 entry draft who still has one year remaining on his contract under which he carries an average annual value of 5, $2 million. In other words, he would become a two-playoff acquisition. In other words, there’s no rush for the Canucks to move him over the next three weeks while Rutherford offers him to suitors in need.

JT Miller set up both Canucks goals in the first period.
Corey Sipkins

This one was far more the exception than the rule for the Blueshirts, who created a good number of Grade A chances early on but couldn’t shake keeper Thatcher Demko. When the first period ended 2-0 the other way when Tanner Pearson and Tyler Myers beat Alexandar Georgiev, who was making his first start in a month, the Rangers sagged all over the ice. It was so bad, in fact, that the club was booed off the ice late in the second period after the Canucks extended the lead to 4-0.

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“You get great looks in the first one and you leave two [goals], maybe it’s a little discouraging,” said Strome, who put the Blueshirts within 4-2 at 14:03 of the third before the Canucks sealed the game with an empty net. “As you can see things can change quickly and you definitely need to have a better response in the second half.”

The Strome-Panarin connection wavered for a long time. Neither has played close to their best hockey. Panarin seemed indecisive, unable to get through what he can historically thread through a needle. Strome’s play was halted as opponents took up time and space. Panarin have scored two goals in their last nine games while Strome has netted three in their last 19.

“We’ve found ways to win games, but obviously you want to produce as much as you can because that’s what you depend on for the team,” Strome said. “The work ethic is there, the competition is there and the will is there, but we just have to find the way to push sometimes and achieve that goal. Sometimes that’s the difference in the game of hockey.

“We had one late, so maybe we can build on that. You start pushing a little, you get a little frustrated. The games are a little tighter at this stage of the season, but we have to go in front of the net and score some fat goals. We need to simplify.

Panarin and Strome have mainly played with professional right wings who otherwise carry the last six portfolios such as Jesper Fast, Colin Blackwell and, currently, Dryden Hunt. Kaapo Kakko got a run at the start of the season. All of them work on the boards and do much of the grunt work. It’s their kind. That was the dynamic.

JT Miller
JT Miller
PA

When things got ugly in this one, head coach Gerard Gallant toppled Hunt – whose failure to get the puck out led to Vancouver’s first goal – with third-line Ryan Reaves for the third period. It’s probably not a combination with stamina.

“Would you like to have a top guy who scores a lot of goals on this line?” Gallant asked rhetorically Friday when asked about the lineup. “There’s a salary cap like every other team, and you want certain things, but I like Huntsie there.

“When he plays good hockey, I like what he does there and the most important thing is that these two guys like him.”

But they would certainly like Miller. Who wouldn’t? It’s a matter of cost.

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10 money mistakes and how to fix them https://juegoskizifriv.net/10-money-mistakes-and-how-to-fix-them/ Fri, 11 Feb 2022 14:46:31 +0000 https://juegoskizifriv.net/10-money-mistakes-and-how-to-fix-them/ Lyle Solomon is senior counsel for Oak View Law Group in Auburn. People of all ages can get into deep debt, but young people can be particularly vulnerable due to a lack of financial education and experience. They may continue to shop with their credit cards for the things they want, then be devastated when […]]]>

Lyle Solomon is senior counsel for Oak View Law Group in Auburn.

People of all ages can get into deep debt, but young people can be particularly vulnerable due to a lack of financial education and experience. They may continue to shop with their credit cards for the things they want, then be devastated when they find their bills are out of control. Yes, an expensive lifestyle can put you in serious financial trouble, and no one can force you to learn how to properly manage your funds unless you actively learn from your mistakes.

Money mistakes may not seem serious at first, but if ignored, they could have a huge impact. It is advisable to correct money mistakes to live a financially secure existence. Here are some risky financial mistakes and the steps you can take to avoid them.

1. Not budgeting

You need to create an appropriate budget for yourself. Budgeting is, after all, the foundation of personal finance. You need to keep track of all your expenses, even the smallest ones. You may need to cut back on extra expenses, such as entertainment and dining out, at first. However, if you have regained your financial balance, you can also include these additional expenses in your budget. All of these expenses should be categorized appropriately.

You must set aside a certain amount of money for each category and not exceed this number. By creating a budget, you can better understand how much money you have, what you spend it on, and where you spend it. You’ll be more motivated to save money.

2. Signing up for useless subscriptions or offers

Don’t choose a credit card, gym, or club membership just because of promotional offers and enticing perks. You should carefully study all terms and conditions before deciding whether or not to consider offers. Some specific tacit terms and costs exceed your budget.

3. Having too many credit cards

Carrying too many credit cards is a common mistake among young adults. Keep in mind that having too many credit cards is not good. It encourages people to spend money they don’t have. As a result, they are more likely to fall into the credit card debt trap.

4. Ignore existing debts

Instead of wasting money, you should pay off student loan debt or other financial responsibilities. To live a financially stable life, you need to focus on paying the bills. If you already have debt, pay more than the minimum amount due on those bills. If you only pay the bare minimum, it will take you a long time to pay off your obligations and you will have to pay a lot of interest.

It’s a good idea to pay more than the minimum on a bond, usually with the highest interest rate. The money you save on (long-term) interest will make it easier to pay your bills.

5. Ignore the credit card statement

Ignoring monthly bank statements is risky. Check your bank statements to see if all of your charges are listed correctly and determine whether or not you are in arrears.

Double-checking your statement can also help you spot potential signs of identity theft. Reviewing your bills allows you to notice any outstanding issues and dispute erroneous charges.

6. Not setting aside money in an emergency fund

Emergencies are unpredictable; you need to plan for the possibility of unexpected life events. Build an emergency fund for financial crises if you have no debt. When you have a sufficient savings account, you won’t need to go into debt or borrow money from others in a financial emergency. As a result, you will be able to secure a stable financial future.

7. Not contributing to a retirement account

Make an effort to set aside some of your income for retirement. If you want to be financially happy and live a financially independent life, you need to plan for your retirement years. You need to recognize that your income will cease after you retire, but your costs will not. Preparation for retirement should begin as early as possible. Each month, contribute a portion of your income to your retirement savings, such as a 401(k) or IRA.

8. Regular default of monthly payments

Late and missed payments add to your financial hardship. Missed payments show up on your credit report, indicating a lack of financial responsibility. Additionally, creditors and lenders can revoke discounts and impose fines, late fees, and other expenses, or they can raise rates, further worsening your financial situation. Therefore, make every effort to make all your monthly payments on time.

9. Use credit cards to pay medical bills

Medical bills can be expensive, but paying them with plastic would be a mistake. If you are having financial difficulty, you will need to establish a payment plan for your medical expenses. It is not recommended to pay medical expenses with a credit card.

10. Not paying bills on time

You may accrue further debt or be penalized for late payments once you have made late payments. This will hurt your credit report as well as your credit score. Everything becomes more difficult when you have a bad credit score. The creditor or the insurer can refuse your loan application. A good company may even be hesitant to offer you a job if your neglectful habits show up on your credit report (although employers won’t see your credit score when they do a background check).

How to Work Diligently to Correct Money Mistakes

  • Subtract your total expenses from your total income; you can allocate the remaining amount to another objective (savings, repayment of debts, etc.).
  • Budgeting does not imply deprivation or limitations. You can still enjoy life while saving money if you follow good financial tactics.
  • You need to understand that credit card companies target young adults by advertising unnecessary hot deals and offers. But you should check the interest rate before buying a credit card, and it is advisable to apply for a low interest rate card. If you’re taking a high interest card just to get rewards points, you’re doing it wrong.
  • To eliminate payment headaches, set a reminder or automate your invoices.
  • Be sure to prepare a list of the things you buy. Track expenses and make payments on things you’ve bought recently so you don’t rack up debt.
  • If you have several debts and you cannot repay them, consider debt consolidation. You should understand how to consolidate payday loans first. You can take out a consolidation loan to pay off existing debts. You can also enroll in a debt consolidation program for help with debt relief.
  • You can calculate the total amount you owe credit card companies. If you find that you cannot make payments to creditors, negotiate with the company to reduce the outstanding balance.

Financial liabilities will always be incurred by those who do not correct their money mistakes, but correcting those mistakes is not impossible. Although circumstances sometimes require significant lifestyle changes, these changes will lead to a financially peaceful life.

Lyle Solomon has considerable litigation experience and substantial practical knowledge and expertise in legal analysis and writing. In 1998, he graduated from the McGeorge School of Law at the University of the Pacific in Sacramento, and is now the senior attorney for the Oak View Legal Group in Auburn. He has contributed to publications such as Entrepreneur, All Business, US Chamber, Finance Magnates, Next Avenue and many more.

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Should you take out a bill consolidation loan? https://juegoskizifriv.net/should-you-take-out-a-bill-consolidation-loan/ Fri, 04 Feb 2022 19:31:14 +0000 https://juegoskizifriv.net/should-you-take-out-a-bill-consolidation-loan/ Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own. Taking out a bill consolidation loan can […]]]>

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

Taking out a bill consolidation loan can make it easier to manage your bills and potentially lower your monthly expenses. Learn more. (Shutterstock)

If you’re having trouble coping with multiple debts, bill consolidation could be a solution. Bill consolidation is the process of combining multiple bills (like medical bills and credit card bills) into one debt by taking out a new loan.

A personal loan to consolidate your bills could help you get a lower interest rate if you’re burdened with high-interest debt. But before applying for this type of loan, you should consider all the pros and cons.

What is an Invoice Consolidation Loan?

A bill consolidation loan, also known as a debt consolidation loan, is a personal loan that you use to pay off your existing debt. If you are approved for one, a lender will give you a lump sum that you can then use to pay your bills. Or, the lender can use the funds to pay your creditors directly. Then you will start making payments on the new loan with one monthly payment.

Some benefits of taking out a debt consolidation loan include reducing the number of bills you have to keep track of and potentially reducing your interest rate and monthly payment amount. But some lenders may charge an origination fee for processing the loan, which is usually deducted from your loan amount. Before accepting the loan, make sure you fully understand all fees.

When does a bill consolidation loan make sense?

Signing up for bill consolidation could be a good financial decision in the following scenarios:

You want a lower monthly payment

If you’re having trouble keeping up with your monthly payments, loan consolidation can reduce the amount you pay each month. This could be the case if you get a lower interest rate or replace an existing debt with a loan with a longer repayment period. Remember that choosing a longer repayment period will likely mean you’ll pay more interest over time.

You want a single payment

Coping with multiple bill payments can be a challenge. And if you miss a payment, it could lower your credit score and lead to late fees. A bill consolidation loan combines your monthly payments into one. As a result, you may be less likely to make late payments, which could save you money and help avoid damaging your credit.

You want a lower interest rate

If your credit score and finances have improved since you took on debt, you may qualify for a lower interest rate with a bill consolidation loan. This could help you save money on interest and get out of debt much faster, especially if you’re consolidating high-interest credit card debt.

How to consolidate your debts with a bill consolidation loan

If taking out a bill consolidation loan is right for you, here’s what you should do to consolidate your debt:

  1. Make a list of your debts. Create a list of all the debts you want to consolidate. Add the total to find out exactly how much you need to borrow.
  2. Compare lenders. Research and compare different lenders. This will help you find the lowest rates and the best option for your situation.
  3. Get prequalified. Prequalify with as many lenders as possible to get an idea of ​​the rates and terms you could receive if approved.
  4. Choose the best loan for you. Once you’ve compared several loan options, choose the best lender for your situation.
  5. Submit a loan application. After choosing a lender, submit an official loan application. The lender will look at your credit score, income, debt-to-income ratio (DTI), and other key factors to determine if you qualify.
  6. Receive your loan funds. If you are approved for a loan, your loan funds are usually deposited into your account after you sign your loan agreement. This usually takes one to seven business days, depending on the lender.
  7. Pay off your debts. Use the loan funds to pay off the debts you want to consolidate, if your lender doesn’t pay your debts directly.
  8. Make payments on your bill consolidation loan. Repay your loan as agreed – remember to make payments on time to avoid possible late fees. Sign up for automatic payment, if possible, or use a bill management app to find out when your payment is due.

What to consider when choosing a lender

When shopping for a personal loan, it’s important to compare lenders and rates. This helps you find the best deal available. Here are some things to consider when doing comparison shopping:

  • Annual percentage rate – The APR of your loan takes into account your interest rate plus any fees. This is an important number because it helps you understand the true cost of the loan.
  • Costs – Origination fees, late fees, and prepayment penalties are all common types of personal loan fees. If possible, choose a lender that has no origination fees so that any funds you receive are used to consolidate your debts.
  • It’s time to finance — Consider how long you will need the loan funds. Some lenders can issue your funds the next business day, but others can take much longer. If you need your money quickly, choose a lender known for its speed of financing.
  • Minimum credit score — Different lenders have different minimum credit score requirements. While some lenders will approve borrowers with fair credit, other lenders will require you to have good to excellent credit.
  • Advantages of the lender — Many lenders offer additional perks, such as free credit monitoring and tailored monthly payments. These may be a factor in your decision.

Bill Consolidation Loan FAQs

What types of debt can I consolidate?

You can use your loan funds to consolidate several types of debt, such as credit card bills, utility bills, payday loans, and more. But before taking out a debt consolidation loan, check with the lender if they have any usage restrictions for borrowers. Some lenders may prohibit you from using personal loan funds to repay a student loan.

Should I consolidate all my debts?

You are allowed to choose which debts you want to incorporate into a debt consolidation loan. Consolidating all your debts may not be possible depending on the loan amount you receive. Also, consolidating certain debts may not make sense if it results in a higher interest rate.

Does debt consolidation hurt my credit rating?

When you apply for a debt consolidation loan, a lender does a thorough credit check to review your credit history. As a result, your credit score could temporarily drop by up to five points, according to FICO. But if you pay off your loan on time, it will add a positive payment history to your credit reports, which could increase your score over time.

Bill Consolidation Loan Alternatives

When it comes to simplifying your bills and potentially lowering your interest rate, a The debt consolidation loan is not your only option. Here are some alternatives to consider.

Balance transfer credit card

Looking to consolidate your credit card debt? A balance transfer credit card lets you transfer a balance from one credit card to another, and many offer an introductory interest rate of 0% or low for a certain period of time.

By taking advantage of one of these offers, you could save a lot of money on interest. The downside is that once the promotional period expires, you’ll have to pay the standard credit card interest rate on any remaining balance. Additionally, you may have to pay a balance transfer fee, which typically ranges from 3% to 5% of the transfer amount.

Student Loan Refinance

If you have student loans and want to consolidate them, student loan refinancing is probably a better option than a bill consolidation loan. When you refinance your student loans, you take out a private student loan to pay off your existing federal or private student loans.

If you have good credit and a decent income, you may qualify for a lower interest rate. The downside is that if you refinance your federal student loans, you will lose access to federal benefits, such as income-based and forbearance repayment plans.

The debt avalanche method

If you don’t want to consolidate or refinance your debt, you can use a debt repayment strategy to effectively eliminate your debt.

With the debt avalanche method, you first pay off your debt at the highest interest rate. You are putting any extra money you have on this debt while making the minimum payments on your other debts. Once that debt is paid off, you move on to the debt with the next highest interest rate.

One advantage of this method is that it helps you save the most interest. But it might take you a long time to pay off your debt with the highest interest rate if it is a large amount.

The Debt Snowball Method

The debt snowball method is another popular method you can use. With this repayment strategy, you pay off your debt with the smallest balance first. This means investing any extra money in this debt while making the minimum monthly payments on your other debts. Once that debt is eliminated, you move on to paying off the debt with the next smaller balance.

One of the main advantages of the snowball method is that you will eliminate your small debts more quickly. When you see this progress, it can motivate you to keep reducing your debt. But the downside is that you might pay more interest with this strategy because your high-interest debts might not be the first ones you focus on.

Home equity loan or home equity line of credit

If you’re a homeowner, you may be able to tap into the equity in your home by taking out a home equity loan or a home equity line of credit (HELOC).

Since these loans are secured by your home, they may come with lower interest rates than you would get with an unsecured personal loan. But you risk foreclosure on your home if you fail to repay the loan.

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Jets winless streak reaches five games with loss to first-place Panthers – Winnipeg https://juegoskizifriv.net/jets-winless-streak-reaches-five-games-with-loss-to-first-place-panthers-winnipeg/ Wed, 26 Jan 2022 04:55:18 +0000 https://juegoskizifriv.net/jets-winless-streak-reaches-five-games-with-loss-to-first-place-panthers-winnipeg/ A homecoming didn’t end the Winnipeg Jets’ losing streak. Back at the friendly Canada Life Center for the first time in over a month, the Jets still lost to the Florida Panthers 5-3 on Tuesday. The Jets suffered their fifth straight loss in front of just 250 fans with capacity restricted due to current health […]]]>

A homecoming didn’t end the Winnipeg Jets’ losing streak.

Back at the friendly Canada Life Center for the first time in over a month, the Jets still lost to the Florida Panthers 5-3 on Tuesday. The Jets suffered their fifth straight loss in front of just 250 fans with capacity restricted due to current health restrictions.

The Jets received a heavy blow just an hour before the puck drop, announcing that defenseman Josh Morrissey had entered COVID protocol. This meant that Ville Heinola would make his season debut. The Jets were missing three of their top six defensemen with Dylan DeMelo and Logan Stanley both injured.

The Panthers scored only two minutes into the game and scored two more runs in a high-octane first period that featured five goals. The Jets tied the game early in the second quarter, but the Panthers quickly regained the lead for good.

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“I think we made a lot of mistakes,” head coach Dave Lowry said. “Obviously you find out, and we’re not going to make excuses, but you find out an hour before, you’re going to lose one of your best defenders, aren’t you. By playing one of the best teams and one of the most offensive teams, you take out J-Mo (Morrissey), (you) put guys in positions where they’ve never seen a team like this.

The Panthers are the highest scoring team in the NHL, and the Jets certainly didn’t help their cause with two of the Panthers’ goals being a direct result of Jets turnovers.

“If we want to play their way, we’re not going to win,” Jets forward Paul Stastny said. “I think sometimes you have to stick to your game plan, what makes us work and what makes us successful. Against different teams and different nights, we’re going to have to play in different ways and if we don’t learn a bit to play like that, if we just want to play attack, and we just want to go, go, go – it’s going to be a lot frustration, misery.

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“Everyone wants to contribute, but it means nothing if you don’t win.”

Stastny, Kyle Connor and Pierre-Luc Dubois scored goals for the Jets.

One of the few bright spots for Winnipeg has been rookie Cole Perfetti’s consistent solid play. The 20-year-old had two assists in the loss, registering both his first career assist and his first career multi-point game.

“I really think the more you play, the more comfortable you feel, the more confidence you gain,” Perfetti said. “I think game after game it gets a bit better. Obviously, it’s a pretty tough league, and it’s going to take a long time to learn, but I really feel like it’s slowing down by a hair.

READ MORE: ANALYSIS – Competition is becoming more than just a buzzword for the Jets

It was a gift from Heinola that led directly to Florida’s first goal of the game just over two minutes in. Heinola slid the puck down the boards on his side, but it was intercepted by Anton Lundell, whose shot on net deflected past Connor. Hellebuyck of Mason Marchment.

Marchment had a great chance to make it 2-0 minutes later on a breakaway but he hit the post.

The Jets would even shoot at 8:19. A point shot from Brenden Dillon produced a juicy rebound that Stastny buried past Sergei Bobrovsky.

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Less than four minutes later, Marchment made amends for his missed breakaway. Sam Reinhart won a run for the puck on the Jets side and fed Marchment, who was alone in the slot and covered it past Hellebuyck to give Florida the lead.

But it didn’t last long. 51 seconds later, Connor took a nice pass from Perfetti, deked and beat Bobrovsky to tie the game. It was the first assist of Perfetti’s NHL career.

The first-period back-and-forth came back in Florida’s favor with 2:27 to go. Hellebuyck tried to clear a puck behind his net, but it hit a Panthers player and bounced into the slot where Marchment took a chance on goal that deflected Lundell and inside.

Winnipeg would get the game’s first power play early in the second, and with time ticking away, Perfetti made a great move at the net to set up Dubois for a tap-in goal to tie the game.

Florida regained the lead midway through the period. Hellebuyck was thrown as Aaron Ekblad fired a shot from the point, hitting the goalie’s left leg and sitting in the crease for Carter Verhaeghe to strike home.

Each team would get power-play opportunities later in the period, but the score remained 4-3 in favor of Florida heading into the third.

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The Panthers would score an insurance marker just over 12 minutes into the final period. Anthony Duclair ran through several Jets defensemen and came to the net, he was denied by Hellebuyck but Sam Bennett got the rebound to give the visitors a 5-3 cushion.

It looked like all hope was lost for the Jets when they were awarded a penalty with less than two minutes left, but Adam Lowry came on alone shorthanded and beat Bobrovsky five holes out. Unfortunately for Lowry, the puck somehow drifted away from the net, taking with it any chance of a late comeback.

READ MORE: Penguins rally to edge road-weary Jets 3-2 in shootout

Hellebuyck stopped 27 shots in his 12th straight start, while Bobrovsky made 32 saves for the Panthers’ first-place win.

The Jets were also without forward Dominic Toninato and assistant coach Charlie Huddy after they were also placed on COVID protocol earlier in the day.

The Jets will look to end their losing streak when they host the Canucks on Thursday night. The pregame show begins at 680 CJOB at 5 p.m. with a puck drop shortly after 7 p.m.

© 2022 Global News, a division of Corus Entertainment Inc.

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[COLUMN] Achieve Freedom by Eliminating Your Mountain of Debt — https://juegoskizifriv.net/column-achieve-freedom-by-eliminating-your-mountain-of-debt/ Sun, 23 Jan 2022 04:38:24 +0000 https://juegoskizifriv.net/column-achieve-freedom-by-eliminating-your-mountain-of-debt/ The TOUGH financial times caused by the pandemic are pushing consumers to the limit. Chargebacks and overdue credit card balances are on the rise again. Faced with layoffs and tough economic times, many people are turning to their credit card to pay for basic expenses such as food and housing. Many people dip into their […]]]>

The TOUGH financial times caused by the pandemic are pushing consumers to the limit. Chargebacks and overdue credit card balances are on the rise again. Faced with layoffs and tough economic times, many people are turning to their credit card to pay for basic expenses such as food and housing. Many people dip into their credit card hoping it’s just a temporary fix “until things get better”. The bad news is that credit cards come with a hefty price tag – sky-high interest rates, not to mention late fees and overlimit fees.

Once the credit cards run out, some people resort to even more desperate measures just to make ends meet. Lately, I’ve seen a lot of people go so far as to get some of these so-called “payday” or “emergency” loans, which are ten to thirty times worse than credit cards! In most cases, interest rates on these loans can range from 390% to 900% APR if you continue to “roll over” the loan (i.e. ask for an extension of the payment term)! !! Can you believe that? I have seen clients have 2, 3 or sometimes more payday loans at the same time. No wonder these people are broke before payday even arrives! Loan sharks often prey on people with bad credit who are already over-indebted.

If you’re struggling with debt, you may find it harder and harder to catch up each month. If some of your accounts have been turned over to collections, that’s even worse because it means you can be sued by your creditors at any time. Once they have obtained a judgment, creditors can then garnish your wages or debit your bank accounts. Some people are paralyzed with fear and do nothing, hoping that somehow, by ignoring their debt problems, creditors will just give up. Be real. You cannot ignore your debt problems. If you do nothing, you will realize one of these days that your inaction has only made your debt problems worse.

If you’ve done everything you can but nothing has worked so far, should you declare bankruptcy as a last resort? Bankruptcy can often be an option for many people who can no longer afford to pay their debts. In Chapter 7, credit card debt, personal loans, medical bills, and most types of unsecured debt can be erased. This means you can start over and rebuild your credit instead of having all of your outstanding debt reported to the credit bureaus each month. Your fresh start begins the day your bankruptcy case is filed and creditors can no longer collect from you. For the first time perhaps in a very long time, you can finally breathe and feel like a human again.

If you are able to pay a certain amount each month, you may also qualify for Chapter 13 debt consolidation to significantly lower your monthly payments. In most cases, credit card payments can be reduced to half (or even less) of what you are currently paying. You also pay 0% interest on your credit cards and can get out of debt for 3 to 5 years, depending on the length of your Chapter 13 plan. If you’re in foreclosure, Chapter 13 can also help save your home. and update your payments.

If you’re in debt and need to find the best solution for your situation, call toll-free 1-866-477-7772 to schedule a free consultation.

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NOTE: Due to the COVID-19 pandemic, I am offering free consultations OVER THE PHONE to anyone who needs help dealing with their debt issues.

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None of the information contained herein is intended to provide legal advice for any specific situation. Atti. Ray Bulaon has successfully helped over 5,000 clients get out of debt. For a free evaluation of your situation by an attorney, please call RJB Law Firms toll-free at 1-866-477-7772.

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Rick Bramwell Chronicle: Adventures in Rabbit Hunting | Columns https://juegoskizifriv.net/rick-bramwell-chronicle-adventures-in-rabbit-hunting-columns/ Wed, 19 Jan 2022 22:07:00 +0000 https://juegoskizifriv.net/rick-bramwell-chronicle-adventures-in-rabbit-hunting-columns/ The Iceman is coming, or at least he called Tuesday night. Joe Hale reported catching fish Tuesday in 5 feet of water near the causeway at Summit Lake. Other areas of the lake do not have safe ice, but that could change by Thursday. He found 5 inches of good ice. I feel like I’ve […]]]>

The Iceman is coming, or at least he called Tuesday night. Joe Hale reported catching fish Tuesday in 5 feet of water near the causeway at Summit Lake. Other areas of the lake do not have safe ice, but that could change by Thursday. He found 5 inches of good ice.

I feel like I’ve been waiting all winter for the wind to die down to go rabbit hunting. It fell just under 10 mph on Sunday afternoon. I put my beagle, Tramp, in the front seat and headed east.

I took beginners Thatcher Perkins and Kevin Long. I coached Long’s wife and Perkins’ sister, Paige, in softball.

When a rabbit is jumped and the dog gets on the track, it will usually come back to where you jumped it. If the hunters miss this opportunity, all bets are off. The rabbit could redo this circle or set a new parameter.

The place we were hunting has a weedy creek bottom that hugs a hill. At the top of the ridge is scattered trash. I believe rabbits were trained by coyotes to seek that refuge.

Perkins jumped the first bunny and the dog brought him back. Unfortunately, the young man was on his cell phone. The rabbit heard him and turned around. Rabbit hunting is fun and you can talk until the dog gets on the rabbit.

The second time, Tramp brought the rabbit back between the young man and me. We’ve never seen it, but the dog’s nose doesn’t lie. Bunny Briar had had enough. He crossed the road and passed under the neighbour’s barn.

Since I had to cross the road to get Tramp, we decided to hunt on the north side of the creek – nothing there.

At a steep mountain bike crossing, I headed down to the water’s edge so Tramp could grab a drink. Hunting rabbits is hard work.

We returned to the caveman barn for refreshments and snacks. Soon join us.

We raised four more rabbits. You could guess where they were sitting – sheltered from the wind. My 10 year old dog was enjoying this day. He hunts hard and raises his own rabbits.

Having hunted with dogs most of my life, I have developed a sixth sense of how a rabbit is going to run given the terrain. When Tramp opened he was on the other side of a heather. I kept the junk behind me. Before long, the rabbit appeared on a dead run for safety. My new Henry single shot .410 stopped the bunny from doing it.

Back down near the base of the hill, the dog jumped another bunny. The three of us amigos spread out along the break, but when the bunny turned, he ran down the hill. I didn’t want to climb that ridge again, but I knew I had to.

When I got to the junk heap, Tramp and Long were already there. I asked my boyfriend where the last place the dog had been was. Long has started lifting and moving trash, and the bunny comes out of it. I was excited to have Tramp on this one, but he just skipped another one. The two rabbits have descended a draw that joins another ravine. I bet the bunny takes that cup to the trash.

As Tramp picked out the trail, I waved at Long from a spot overlooking a pile of brush, thinking that might be where the bunny had gone. As the beagle neared the end of the draw, I began to think I was too late.

Some rabbits will let the dog approach a few feet before walking away. This was the case. The bunny burst out of his blanket going as fast as I’ve ever seen him run. I swung the Henry in front of the fleeing rabbit and fired, getting a clean headshot. I left the bunny lying down until Tramp arrived, gave him a pat on the back and attached the leash to his collar.

I must have watched myself kill the two rabbits for a long time.

“It’s a lot more fun than hunting deer,” he said.

Paige is going to have a hard time stopping her husband from buying a beagle.

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Mac Jones is ‘the type of player you hope to build around’ https://juegoskizifriv.net/mac-jones-is-the-type-of-player-you-hope-to-build-around/ Sun, 16 Jan 2022 21:00:00 +0000 https://juegoskizifriv.net/mac-jones-is-the-type-of-player-you-hope-to-build-around/ If you ask captain and special teams Matthew Slater, the New England Patriots shouldn’t lose faith in quarterback Mac Jones, even after throwing two interceptions in the team’s loss to the Buffalo Bills on Saturday. in the playoffs. Jones has had a tough time over the past five games, with two turnovers in the team’s […]]]>

If you ask captain and special teams Matthew Slater, the New England Patriots shouldn’t lose faith in quarterback Mac Jones, even after throwing two interceptions in the team’s loss to the Buffalo Bills on Saturday. in the playoffs.

Jones has had a tough time over the past five games, with two turnovers in the team’s four losses. But the rookie and former 15th overall pick has done more than enough in his rookie season to reassure the Patriots — players, fans and coaches — that he’s the answer for 2022.

“I think the future is bright with this organization with this young man, not just with his game on the pitch but with the character he has,” Slater said Saturday after the game. “He’s the type of player you hope to build with.”

Jones finished the year completing 67.6% of his passes for 3,801, 22 touchdowns and 13 interceptions with the Patriots going 10-7. New England started 2-4 but Jones and the Patriots rode a seven-game winning streak that toppled the team and landed them in the playoffs. Although he’s had his growing pains, Jones seems to have earned Slater’s trust. Jones looks set to correct the mistakes of the offseason and come back stronger in 2022.

“I know my kids and I will watch it for a long time,” Slater said at the postgame press conference. “It was certainly an honor for me to play alongside him and watch him grow over the year. Patriots Nation – they should be thrilled to have the No. 10 as their quarterback.

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Struggling With Debt? Four Ways a Debt Consolidation Loan Can Help You https://juegoskizifriv.net/struggling-with-debt-four-ways-a-debt-consolidation-loan-can-help-you/ Tue, 11 Jan 2022 15:48:53 +0000 https://juegoskizifriv.net/struggling-with-debt-four-ways-a-debt-consolidation-loan-can-help-you/ Views of the publication: 182 Personal debt in the UK has risen by £ 63.7 billion since September 2020, with the average household owing nearly £ 63,000 according to Charity of money. While most people think they can balance their finances, many feel overwhelmed, Citizens Advice currently deals with nearly 2,000 debt issues every day. […]]]>

Views of the publication: 182

Personal debt in the UK has risen by £ 63.7 billion since September 2020, with the average household owing nearly £ 63,000 according to Charity of money. While most people think they can balance their finances, many feel overwhelmed, Citizens Advice currently deals with nearly 2,000 debt issues every day. So it’s no surprise that many are looking for a way to take control of their finances. This is where a debt consolidation loan could be the solution.

A debt consolidation loan involves taking out a larger loan to pay off all of your other debt, leaving you with one more manageable repayment each month. It is often used to simplify finances and get borrowers on the right track if they are struggling to get their debt under control. Here are four ways they can help.

1. Speed ​​up your way to free yourself from your debts

It can be easy to get into the habit of paying only the minimum monthly payment on credit cards, usually just five percent of the outstanding balance. This means that it will usually take decades to clear the balance, while still being charged a hefty amount of interest along the way. You’ll also always have access to whatever credit limit you have left, leaving you at risk of continuing to spend on the card and never actually reducing what you owe.

Likewise, a lot of people go so far with their overdraft that sometimes, even after getting paid, they don’t make it. In this situation, it can be difficult to justify asking your bank to lower your overdraft limit if that leaves you in trouble for the rest of the month. Also, if you accidentally go over your authorized overdraft limit, most banks charge a penalty and higher interest rate, making it a costly situation.

Consolidating your debt into one loan means you’ll have a fixed end date in sight, so you’ll know exactly when you’re debt free. Provided you can follow the repayment schedule, knowing when your debts will be paid off can be a huge relief from financial stress.

The interest rate charged is usually much lower than that of a credit card, and spreading repayments over time can mean those payments are lower and more manageable. However, there are usually fees associated with these types of loans and different providers charge different rates, so it pays to shop around.

To get an idea of ​​how much you might need to borrow and for how long, the experts at Loan.co.uk have a very useful debt consolidation calculator.

2. Only process one refund

If you manage multiple lines of credit, one of the things you will need to manage is multiple amounts and repayment periods. While this is often facilitated by setting up a direct debit for the amount you need to pay, you still need to make sure you have enough funds in your bank account to cover each transaction.

This is where many run into problems: either they don’t have enough money to meet all the direct debits they have set up, or they have so many repayments to make at different times that they it’s easy to forget what you owe where. The problem with missed or late payments is that they usually come with a fee, on top of the interest you would usually pay, which further increases debt. Add to that the damage this causes to your credit score, and it’s not hard to see why multiple repayments can quickly become a serious problem.

A debt consolidation loan benefits from only one repayment, for a fixed amount, at the same time each month until it is repaid. It is common for people to set up a direct debit so that this payment is taken automatically from their bank account shortly after payday. This means that they can be confident that they can repay the right amount, at the right time, month after month.

Another benefit of having only one refund is that it makes day-to-day life more manageable. Without having to keep track of so much, it should be a lot easier to see how much disposable income you have each month and a lot less stressful on you and your finances in general.

3. Potentially get lower interest rates

Most debt consolidation loans will fall under the umbrella of “homeowners” or “secured” loans, which means that your home will be used as collateral against the amount you borrow. Because of this security, there is less risk for the lender, who will therefore be more likely to offer you better interest rates.

This can be especially useful if your debt is spread across multiple lines of credit. In particular, payday loans, overdrafts and some credit cards carry some of the highest interest rates. If you have just enough money to pay off the bare minimum on this type of credit, and the interest rates are high, it could take you decades before you can pay them off completely.

By getting a debt consolidation loan with a lower interest rate, you will find that more of the repayment amount will go towards debt reduction, rather than interest.

Keep in mind that you usually take out a debt consolidation loan for a longer period of time than an unsecured loan. Although the interest rates may be lower, you may be able to pay off more interest overall. However, it is often worth it if it makes everyday life much easier.

4. Improve your credit score over time

If you’re struggling to manage your debt and you’re likely to be late, or worse, miss your payments altogether, it could really hurt your business. credit rating. Any missed or late payments will be recorded on your credit report for six years, which means that even if you’ve been paying off your debt for a long time, you could still suffer the effects for years to come.

Also, if you repeatedly fail to keep up with your repayments, you may find that your lenders are taking extra steps to get their money back. This could include legal action, which could end up with you with a CCJ (County Court Judgment) or IVA (Individual Voluntary Arrangement).

These will also stay on your credit report for six years, but can make it nearly impossible to approve new lines of credit. While it might be best not to borrow more money while you are paying off your debt, it could also affect much more ordinary, day-to-day things like renting out a property and getting a mortgage. mobile phone contract.

Paying off your creditors and closing your accounts with them using a debt consolidation loan is a great first step in improving your credit score. Then, provided you can keep track of your repayments on your debt consolidation loan, you will demonstrate to lenders that you are a responsible borrower who can manage credit well, which can go a long way in improving your credit score.

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Solheim Cup player who missed the LPGA card suddenly at a crossroads https://juegoskizifriv.net/solheim-cup-player-who-missed-the-lpga-card-suddenly-at-a-crossroads/ Tue, 11 Jan 2022 12:00:00 +0000 https://juegoskizifriv.net/solheim-cup-player-who-missed-the-lpga-card-suddenly-at-a-crossroads/ There was a tweet in the wake of LPGA Q-Series that shed light on the ultra-thin lines of this beautifully infuriating game. The tweet came from Kristy McPherson, 40, who missed a full card with one lousy stroke in the 144-hole marathon. McPherson wrote: “I am sad. Disappointed. A little crazy. Heartbroken, but not broken. […]]]>

There was a tweet in the wake of LPGA Q-Series that shed light on the ultra-thin lines of this beautifully infuriating game. The tweet came from Kristy McPherson, 40, who missed a full card with one lousy stroke in the 144-hole marathon.

McPherson wrote: “I am sad. Disappointed. A little crazy. Heartbroken, but not broken. Optimistic. Congratulations to the girls who made it to Q-Series! Pray for the girls below this line because I know the disappointment and grief they feel. After 8 laps, I hit it 571 times. It was one too many.

McPherson is the salt of the earth they come from. A popular player among her peers because she’s the kind of person who sets the mood for a place.

Now she’s at a crossroads.

“The absolute worst-case scenario is suddenly missing,” she said almost a month later. “You prefer to miss at 10 or 8 pm or simply never show up. “

McPherson can imagine every hit she landed in those eight rounds and said, “There’s a million you want to get back.” A bounce, a lip instead of sticking out, and it’s a whole different conversation.

Just over a decade ago, this fast-talking South Carolina graduate was riding the LPGA. A member of the winning team in the 2009 Solheim Cup and finalist to his good friend Brittany Lincicome in what is now known as the Chevron Championship, McPherson finished 16th and 27th on the prize list in 2009 and 2010.

Team USA’s Angela Stanford, Natalie Gulbis, Morgan Pressel, Beth Daniel, Kristy McPherson and Brittany Lincicome greet fans during the opening ceremonies ahead of the start of the 2009 Solheim Cup at Rich Harvest Farms on August 20, 2009 in Sugar Grove , Illinois. (Photo by Scott Halleran / Getty Images)

As a child, she was diagnosed with Still’s disease, a form of juvenile rheumatoid arthritis and spent most of the sixth year in bed. With his beloved team sports out of the equation, McPherson devoted himself to golf. She won seven times as a Gamecock and twice on the Symetra Tour before advancing to the LPGA in 2007.

McPherson has played with pain for most of his life. In fact, at 40, she is feeling much better than she has been for a long time after having surgery on her right hip two years ago. The fact that she now plays painlessly makes the decision to no longer play full time all the more agonizing.

“I’ve had arthritis my whole life,” she says. “There were days when I felt 60 years old. But I feel better now than 10 years ago.”

Maybe she should have had hip surgery a long time ago, she wonders. Again, she’s not the type to live with regrets.

How difficult is McPherson? Consider that at the 2008 Longs Drugs Challenge, she had a flare that made her face swell so hard that her right eye was closed. On the way to the first tee, McPherson told her younger sibling that if she sniffed, it was over.

Instead, she shot 71 while playing one-eyed and eventually finished tied for fifth.

A close friend, Angela Stanford, said when they traveled together she sometimes had to open water bottles for McPherson because arthritis was so bad in her hands.

His father David calls him “tough as a pine knot”.

Which, again, makes the question of what comes next so difficult to answer.

“I go back and forth,” McPherson said. “Am I good enough to play again?” Occasionally. But sometimes not.

McPherson has decided she won’t be returning to the Symetra Tour, where it’s easy to bleed money. Last year she finished 15th at the LPGA event at Kingsmill just before the reshuffle and managed to make it to 10 more events. Looking back, was this rework a blessing or a curse, she wonders. Because now here she is, a year later, having a similar conversation with herself.

“Change is scary for everyone,” Stanford said, “but especially when you’ve only had one thing in your life, and then it gets really scary.”

Brittany Lincicome (L) kisses Kristy McPherson after Lincicome won with an eagle on the last hole in the Kraft Nabisco Championship Final at Mission Hills Country Club on April 5, 2009 in Rancho Mirage, Calif. (Photo by Stephen Dunn / Getty Images)

McPherson set up a phone call with her friend Courtney Trimble, co-founder of Women For Hire, which launched in November and aims to help women find jobs in the golf industry.

As it stands, McPherson would likely appear in five or six LPGA events and should play well enough to move forward in the reshuffle.

So many players have this same conversation with themselves every year. Most are going quietly, while keeping in touch with the game through pro-ams and qualifying.

There are people in this world, Stanford said, who have the ability to dig deeper than most. And McPherson is one of them.

“They might have always struggled,” Stanford said. “It has always been an uphill battle.

That’s why, if there are enough cravings, Stanford would always tell his friend to keep going. The talent is still there.

“I don’t have the answers,” said an emotional McPherson.

But they will come.

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