PanthersATL

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

Due to other obligations, was only able to watch the first Dolphins drive (YAY, WE STOPPED 'EM!) and our first offensive drive (blocked punt TD). Saw at one point we were tied 7-7, then couldn't check in until the game was over. Based on the post-game threads, I'll assume my pre-season bets on the Panthers to win the division, the conference, and the SB are no longer worth cheering for? Can someone provide some quick bullets of how bad the Miami game really was? Any phenomenal plays on our side? What were the key moments that doomed us?

Maybe it just comes down to…. Would you rather have Sam or PJ as the primary backup?

what's more important is whether it's something you actually need or not at the time. The 20% off at Goldbelly this weekend? Certainly makes the extra cost of shipped food a bit more reasonable.

Agreed. Wish I was able to buy more than what I did. certainly was better than the year one(?) Chardonnay. Got one of those still stashed away somewhere….

Didn’t use pronouns, too short a convo for those to come up was a light blue 1/4 zip sweater. no native lands that I know of. Bagels may have been present.

happened to run into an active NFL employee for a different team today. Verified the person via a quick Wikipedia search - figured I had a chance to chat quickly with someone with no vested interest in the Panthers directly, but enough NFL experience on a number of teams to warrant having a Wikipedia page of their own. I purposefully kept the conversation we had very short and high level, for various reasons. i was looking for a different perspective of who fan disappointment should be targeted towards during a season with the ups and downs we’ve had this far, from somebody outside our organization who would have some professional perspective. Total conversation lasted two minutes, maybe three max. They were very nice in sharing their thoughts for just a minute or two with some random NFL fan, and I appreciate their taking the time for the conversation. -=-=- what they told me boiled down to this: start with the owner then the coaches then the players if a player is unable to be coached, it may not be the players fault in executing the plan… it could be that the plan was flawed, or the plan for that player was flawed. Every player wants to win, they may be hampered by what they’re being told to do. And, there are always some players that just can’t be coached, or be coached by that particular coach/set of coaches. similarly, the coaches may also be hampered in what they want to do by what ownership is requesting/demanding. Good news? It seems to suggest we’re not totally off base with some of the threads we have going on around here.

I believe in Brand conversations and goals. I think the Panthers org is trying to define it and build from scratch. Unfortunately, this is what we have on the field right now:

here are some off-the-beaten-track holiday songs: https://www.xopublicity.com/xofortheholidays

I thought THIS was the trailer.

Yes, because Panthers are my team i won’t be happy about it, but I’m watching

Blech maybe Miami will be better

This is depressing. I’m not even in cardiac cats mode

Want a legacy? Win this game in the next 90secs

That was for you, Olivia!!!!!!

Evergreen tweet

Dang, chinn

Surprised the refs didn’t call a taunting or unsportsmanlike penalty on cam running to the 50 on that

I HOPE cam tires himself out running to the 50 to celebrate due to the frequency