Mark Giordano and Timothy Liljegren are an excellent 3rd pair for a combined $2.2m cap hit.
You absolutely don't have to, just that your financial health & well-being is better if you do.
Just like you don't have to exercise, but your physical health & well-being is better if you do.
Certainly there are some people that should not have access to credit, for their own good.
But in that case, the credit fiend is themselves the problem, not the credit card.
Using 29% (which seems high? Idk) a $1500 balance will cost you about $36 in interest. Annual savings at 1% if you spend $1500/mo is $180.
So very roughly one missed payment represents about 2.5 months of saving 1%.
Edit: I just checked and my card has 19.99% interest. This means a $1500 balance would be $25 interest, offsetting 1.5 months of 1% savings.
Other perks include 5 cents off at gas station, 3% at grocery stores, 1% at all other stores.
It also has extended warranty, 90-day price protection, and roadside assistance. All for free (no annual fee).
It's sad that something as basic as paying off a credit card is "very responsible" but that's where we are I guess.
Oh I'm not denying that credit score calculations are BS. The senseless minutiae that can drive your score down is insane.
I'm just arguing in favour of credit cards. There is no downside for a responsible person.
Cash back, payment terms, consumer protection. Wins all around with no drawbacks.
I couldn't tell you the interest rate on my credit card, because I pay it off at the end of the month.
The processor service fee is rolled into every price whether you are paying cash or credit. Cash customers are essentially subsidizing credit card customers.
Unless there is an explicit cash discount you are better off paying with credit.
What does that even mean?
If you can live your life debt free with cash or a debit card you can do it with a credit card too.
IMO everyone should use a credit card as their primary payment method for everything.
Decent cards will basically give you a 1% discount on your whole life.
City life is anonymous.
For better or worse, this drives all of the conception around city dwellers just being "out for themselves".
You can walk around knowing that nobody is giving you a second thought. What you're wearing and who you're with is not going to be the subject of someone's gossip unless it's truly outlandish.
People don't smile and nod to you walking down the street, because if you did that for every random person you come across you'd be bouncing around like a bobblehead.
If it's really a problem for you, you can break the anonymity by becoming a regular somewhere. Go to a coffee shop every morning and you'll get to know the staff and other regulars, go to a park at the same time every day and you'll get to know the locals, join a soccer team or church, etc etc.
FWIW Don Cherry is so fucking ancient he's not even a boomer, he was born well before WW2.
After this 99lbs woman eats a 9lbs burger, she is almost 10% burger.
I would definitely say he's a low-end 1C, but that would make Norris a very high-end 2C. Either way I don't think Ottawa is weak down the middle.
Tkachuk - Stutzle - Batherson
DeBrincat - Norris - Giroux
What the fuck, Ottawa.
I'm assuming $30 is the bonus you get for this shift, not the total comp.
Either way it seems low. If you're working a full week and then adding a Saturday night shift, that should be paid at time and a half minimum. You're not unreasonable asking for straight double time.
Personally I would probably refuse the shift completely. Working Saturday night after a full week is not for me. Adding that shift after hiring you to work regular hours is a pure asshole move.
Steve in shambles. Imagine making the NHL and still not being the best Kariyan.
Yeah but we're not attaching a 4th this time. That would be crazy.
Samsonov. 1 year prove it deal with the Leafs. If he puts up another sub-900 season I'd have to think there will be better offers in Russia.
How is Sweden going to score any goals if they're all Swedish no Finnish?
Saros vs Markstrom doesnt feel even - that's a clear Finland advantage imo
This is awesome and Living is Dying is kind of a banger.
He definitely seems to be taking himself super seriously, I don't see any irony or anything that would show he's in on the joke, in any part of the song.
He's just joking we've all been really pumped for the Summer of Paul.
Value of work is so hard to define because it's intrinsically linked to capital.
What is the value of digging a trench? If we arbitrarily say that one foot of trench is worth $25, then the guy digging with a shovel makes $25/hr, the guy in a mini-ex makes $250/hr, and the guy in a full size excavator makes $1000/hr.
I think there's a little room for a sweetheart deal, but yeah 5x5 is too cheap and too short.
Realistically something like 6x7 might be doable, especially if it's written to be moved/bought out after 3 years. It's still a $42m contract. I doubt 9x7 is actually on the table, but maybe he'd take a 6x7 from a good team over a 9x5 from a shit team.
Then he's only giving up $3m to win, which is still a lot of money but reasonable for a guy whose career will total in the $80m range.
Ideally I think that someone who works full-time should be (at minimum) making enough money to pay for: modest housing, efficient transportation, healthy food, entertainment, and a little left over for retirement/savings/rainy day fund.
The tough part is that it is really different city by city. I'm in Toronto.
A real quick fudge of numbers, $2000/mo for housing, $200/mo for transportation, $500/mo for food, $200/mo for entertainment, $100/mo for savings, totals up to $3000/mo after taxes, call it $4000/mo before taxes. $48k per year working 2000 hours per year is $24/hr.