PanthersATL

It was announced back in November, and they’re giving subscribers more features with the price hike. So not really a predatory price hike in reaction to YouTube.

There's a lot of good stuff on Hulu too. And the ESPN+ specials, like the Peyton stuff, is decent

I blame the dog.

CBS's mock draft has us picking up QB Matt Corral https://www.cbssports.com/nfl/draft/news/2022-nfl-mock-draft-saints-and-panthers-land-qbs-only-two-signal-callers-selected-in-round-1/

(hopefully the link will work)

Also from from the report: The adoption of COVID-safe practices - for cocaine We found that overall, people who used cannabis were more likely to report safer use practices (55%) after the onset of the pandemic than people who used cocaine (42%). Considering country differences in cocaine safer-use practices, the countries with highest rates of increased frequency of COVID-safe practices were Brazil (59%) and Sweden (58%); while countries reporting the greatest increases in risky cocaine behaviours included Poland (50%) and Romania (44%).

Source: https://www.globaldrugsurvey.com/wp-content/uploads/2021/12/Report2021_global.pdf "Times drunk" "Feeling regret" "Reasons for regret"

If we do end up needing to pick up a new HC this off-season (or earlier!!!), who is realistically on the list? Chances are we won't be able to talk to Eric Bieniemy until late January at the earliest. What other names are you thinking?

London was fun.

Ugh, we have these Buffalo? FOX announcers next week in buffalo?

I've always not been a fan of the BOA shadows on the field. Dunno if aligning the stadium differently would have helped or not

There are a lot of conversations/collabs that are missed by not being in the same space and having hallway meetings or casually running into someone and saying "oh, YOU remind me of this idea blah blah blah" thing.

Company health insurance would cover that, I suppose...

This chart is flawed. https://nerdist.com/article/us-map-popular-christmas-movies-each-state/

Good idea for employees, maybe not a great idea for employers: A German court has ruled that a man who slipped while walking a few metres from his bed to his home office can claim on workplace accident insurance as he was technically commuting. The court noted that the employee usually started working in his home office “immediately without having breakfast beforehand”, but did not explain why that was relevant to the case. However, later it said that statutory accident insurance was only afforded to the “first” journey to work, suggesting that a trip on the way to get breakfast after already being in the home office could be rejected. https://www.theguardian.com/world/2021/dec/09/fall-on-walk-from-bed-to-desk-is-workplace-accident-german-court-rules

The album wasn't as good as that one song. Different list.

Yup. But gotta start with the discipline first, though.

which comes back to Dave Ramsay's advice --- coming up with what your monthly budget happens to be. Break out necessities vs nice-to-haves, and run the numbers. What can you reasonable cut back on? Make a spreadsheet and (at a minimum) include these items: Rent/Mortgage + car/transport costs + insurance + heat + electric + water + garbage + Internet connectivity + basic food + basic toiletry/household supplies. don't forget other monthly debt payments. You may be surprised at how much just the basics run you, before you get to the nice-to-haves. Whatever those basics are? Make sure that you got at least a 6 month cushion to support those. Everything else is gravy

The Dave Ramsay concepts are common sense, it just takes dedication. "Pay yourself first" "You gotta either increase your income or decrease your spending. Or both" For "pay yourself first", it's the "don't buy a starbucks coffee every day" that seems to get people in a tizzy. DON'T TELL ME NOT TO TREAT MYSELF! Nobody said not to treat yourself. What they're saying is to take that $5 daily and put it away for later. $5/day. That's just $25/week. So setup an auto-draft from your checking account to your savings account of $25/week. Then, if you still want that Starbucks coffee, go ahead and buy it from your checking account. As long as you don't touch your savings account (unless an emergency comes up, of course), then over time, you'll still be setting aside $1200 a year. Get a raise? Then take one half of your increase in weekly take home pay and add it to your weekly auto-draft for safe keeping. Eventually you'll find you have $5,000 in savings. Then hopefully $10,000. Then it'll keep rolling, building that safety cushion.

right, but that money doesn't necessarily go into Tepper's personal bank account. Some is going to go to the Panthers account. For all the talk about "Tepper has tons of money", there should be some fiscal accounting at the Panthers organization level, right?

Check with a local school district; they may be looking for interesting after-school programs and volunteers to lead 'em. You may need to come up with a semester-long project plan. Stuff like The Stock Market Game and similar may help with some of that after-school concept and coursework.

Pros and cons for both. @d-dave is saying that there's emotional benefit from having "one less debt to pay off", so closing out the smallest debts first can make someone feel like they're achieving. @Happy Panther is the more practical approach, in terms of biggest financial benefit of eliminating higher interest as quickly as possible I'd suggest -- if it's possible -- one extra step of trying to consolidate debts into a single lender (or as few lenders as one can). Best example is to try to merge multiple credit cards into a single as-low-as-you-can-get-interest-wise credit card... only if you can do it with a no-charge transfer. Making a single debt payment vs multiple ones can make payoffs faster.

Question about Rhule's contract and money flow from Tepper to the organization: Coach contracts are paid for by the Panthers organization, for whatever $$ they happen to be. If Tepper (or whomever) decides to go out and hire a new coach for $200 million -- I'm assuming that money is coming out of the Panthers operating budget, since the coach would be a Panthers employee. For such a crazy $$ amount, would Tepper write a personal check to the Panthers to fulfill that contract, or do the Panthers have to find that money on their own in the Panthers BoA reserve account without any backfill from Tepper? In other words, while we do a lot of talk about "it's Tepper's money"... how much of what we hear about is *actually* Tepper's money vs the organization's funds? Does he have an automatic investment transfer every month of $1m to cover standard operating costs and utilities at BoA?

I've said it before. I won't be happy about it, but I'll still watch every week