![]() ![]() This format makes in difficult to run a normal bracket pick'em office pool, so instead we recommend trying our Playoffs Block Pool, our Playoff Squares or our Playoff Confidence Pool. Reason for hope: The Ravens have played their best against the best. The winners of each Conference Championship game then go on to play in the Super Bowl. They were swept by the Steelers, losing to Pittsburgh in Weeks 5 and 18, and trounced Miami 56-19 in Week 17. The 3rd and 4th rounds run as you would think, the winners of the Divisional Playoffs go on to play each other in the Conference Championship. 5 seed would go to the bottom bracket and play the winner of the 3 vs 6 seed. An example of this would be if the number 7 seed beats the number 2 seed in the first round the 7th seed would go to the upper bracket and play the number 1 seed and the winner of the 4 seed vs. Please read the bottom of this page for complete directions on running this pool and. We also have the normal Week 12 Pick em Sheets and the Week 12 Confidence Pool available. A Seeded Tournament is usually ran during events such as Baseball, Football, and Wrestling. There are basically two ways to run single and double elimination tournaments, one is 'Seeded' the other is 'Blind Draw'. Please read the bottom of this page for complete directions on running this pool and check. We also have the normal Week 3 Pick 'em Sheets and the Week 3 Confidence Pool available. The printable sheet will be updated with the current point spreads as the prior week comes to a close. The printable sheet will be updated with the current point spreads as the prior week comes to a close. At the bottom of this page you will find all of the free printable Seeded Tournament Brackets that we have available. Below is the Week 3 Pick 'em Against the Spread Pool. We also have the normal Week 12 Pick 'em Sheets and the Week 12 Confidence Pool available. Below is the Week 12 Pick em Against the Spread Pool. But, the second round is rearranged so that the number 1 seed plays the lowest remaining seed left in the tournament(in their conference). Below is the Week 12 Pick 'em Against the Spread Pool. The first round runs as you would think, the 1 seed gets a bye, the 4th seed plays the 5th seed and the 3rd seed plays the 6th seed and the 2nd seed plays the 7th seed. ![]() The NFL playoffs work a little different than the NBA Playoff Bracket or the March Madness Tournament Bracket. Below is a quick explanation of how the Playoff system works, but please read our How do the NFL Playoffs Work article for a complete understanding of the system and check out When do the NFL Playoffs Start to get the playoff dates in advance.
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![]() CNBC Select recommends Ally Bank if you want to save on lender fees and for a straightforward refinance service. If you're choosing between the two options, it may also be helpful to pre-qualify for refinancing with a few lenders to estimate how much it can save you compared to recasting. Recasting also won't help you shorten your loan, so if that's your goal, refinancing might be a better choice. Then, use this mortgage loan calculator to see how much you could reduce your monthly payment with recasting. On the other hand, if you took on a mortgage in a high-interest environment, refinancing can save you more money on interest in the long run, even considering closing costs. Run the numbers on prepayment using this mortgage payoff calculator to see how much you could save on interest. For example, if you secured your mortgage in 2021 when the average mortgage rate dipped below 3%, you probably don't want to part with your low interest rate now that the rates are much higher. This also means you'll have the same interest rate, which can be an advantage if your current rate is low. You won't need to do any of that to recast your mortgage as you'll keep the same loan. It's also a more complicated process - you'll likely have to go through a credit check, home appraisal and income verification. Refinancing requires taking on a new mortgage loan with the goal to get a lower interest rate, which means you'll also have to pay closing costs (usually, between 2% and 6% of the loan amount). Mortgage recasting may be appealing since it allows you to lower your mortgage payment, as well as the total overall interest paid, without having to go through refinancing. Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs Bonds Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score ![]() Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Compared to mortgage refinancing, which involves replacing your old home loan. ![]() ![]() The lower payment might free up cash that you can use for other financial goals, such as paying off other debts or saving for retirement. A lower payment can be easier on your budget. Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business The biggest benefit of recasting is the lower monthly payment. Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief Best Mortgages for Average Credit Score.Best Loans to Refinance Credit Card Debt.Test yourself: Do you know where you stand financially? Take our quiz and read more personal finance advice. The interactive package offers guidance for every life stage, whether you’re just starting out in your career or planning for retirement. Money moves for life: For a more sweeping overview of my timeless money advice, see Michelle Singletary’s Money Milestones. For those looking to get out of credit card debt, see if a balance transfer is right for you. It’s just a myth that it will boost your credit score. Even though it lowered my perfect 850 credit score and my column about it sparked some serious debate with readers, it was one of the best financial decisions I’ve made.Ĭredit card debt: If you’re in the habit of carrying credit card debt, stop. My mortgage payoff story: My husband and I paid off the house in the spring of 2023 thanks to making extra payments and taking advantage of a mortgage recast. If you have a personal finance question for Washington Post columnist Michelle Singletary, please call 1-855-ASK-POST (1-85). The best of Michelle Singletary on personal finance Please consultant your local regulation before you purchase from us. We are not responsible for any damages arose from the use of this item. You must be over 18 years old to bid, buy and/or use crossbows and pistols. Never dry fire the crossbow, which means you will need to always fire with an arrow on it. Before fire a shot, you will need to put the SAFETY SWITCH in FIRE Position, and then you can pull the trigger to fire.
![]() (Scooping directly from the bag compacts the flour, resulting in dry baked goods. When measuring flour, we spoon it into a dry measuring cup and level off excess. Roll the dough into walnut-size balls and place them 2 inches apart on cookie sheets. Preheat oven to 375 degrees and grease 2 cookie sheets or cover with parchment paper and spray lightly with cooking spray. ![]() Beat until combined, scraping sides of bowl occasionally. Add the brown sugar, baking soda, cinnamon, and salt. Cool on the sheet for 10 minutes, and then transfer to a wire rack to cool completely. Let the baking sheet cool, and then repeat with the remaining cookie dough. Cover bowl and let it chill in refrigerator for at least one hour. In a large bowl beat the butter with an electric mixer on medium to high speed for 30 seconds. Panera oatmeal is probably one of the most filling and delicious breakfasts you can get at Panera. Bake until the cookies are lightly golden around the edges, 15 to 20 minutes. Arrange twelve 1-ounce scoops (2-tablespoon portions) of cookie dough on the prepared baking sheet, leaving about 2 inches between each. Fold in the raisins until evenly distributed. Panera Oatmeal Raisin With Berries Cookie Recipe is a delicious and nutritious treat that combines the goodness of oats, raisins, and berries in a soft and chewy cookie. In a small bowl combine the brown suagr wit the cinnamon and set aside. ![]() Add the oats and beat on low speed until combined. Reduce the heat to low and continue cooking stirring ocasionally until the oats are cooked trough and the porridge is creamy. In a medium size mixing bowl, combine flour, oats, baking soda, cinnamon, nutmeg, and salt. In the bowl of a stand mixer, beat together butter, sugars and vanilla extract for 2-3 minutes. Add the dry ingredients and mix on low speed, scraping the bowl as needed, until completely combined. Cover with plastic wrap and microwave for 30 seconds then allow to sit covered until needed. The results are thick soft chewy oatmeal raisin cookies. Add the honey, vanilla, egg and 1 tablespoon warm water and beat on high speed until creamy, scraping the sides and bottom of the bowl, about 3 minutes more. Something magical happens as the dough chills and the cookies bake. Beat the brown sugar and butter in a large bowl with an electric mixer on medium-high speed until light and fluffy, about 3 minutes. Whisk together the flour, salt, baking soda and cinnamon in a small bowl until combined. The food is prepared fresh each day to ensure the best taste possible.īelow are the latest Panera Bread menu prices.Arrange an oven rack in the center of the oven and preheat to 350 degrees F. Line a rimmed baking sheet with parchment paper. In a small mixing bowl, combine flour, baking soda, cinnamon and salt. Panera Bread offers many meals, such as sandwiches, paninis, salads, and various pastries and sweets. In a large mixing bowl, beat the softened butter, brown sugar, granulated sugar, on medium speed until creamy. Cover bowl and let it chill in refrigerator for at least one hour. ![]() Combine flour, salt and cinnamon in a separate bowl. Mix in eggs, one at a time, then stir in vanilla. If you are looking to order Panera for your next event or party, then you can find Panera Catering prices here. Steps: In a medium bowl, cream together butter and sugars. Although the meals are prepared quickly, the restaurant focuses on healthy and quality food. Panera Bread prices are much higher than an average fast-food restaurant, and that’s because it’s not a true fast-food restaurant. Grease a 2-quart baking dish or 8-inch square baking pan with the butter. At Christmas cookies do seem like the thing to. Panera Bread is a cafe-style fast food restaurant with origins in St. Try our make-ahead, bake-on-demand chocolate chip cookie recipe by Donal Skehan, or go for easy peanut butter cookies you can make in 15 minutes. ![]() Open it in a browser, make any changes in your documents, and get back to them at any time in the future - they all will be securely kept in the cloud.The following information is needed when making an online appointment: Use it to prepare personal or professional paperwork from anyplace. Our extensive online solutions are the simplest way to fill out and modify Us dl generator in accordance with your needs. End up editing with the Done key once you ensure everything is correct in the form.Replace pieces of content containing errors and type in text that you need.Erase or blackout the facts you don’t want to be visible to other people.Select colors and thickness for these lines to make your form look professional.Use the Highlight or Line tools to stress on the most significant facts. ![]()
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Free stuff is always great, but sometimes the best only comes if you pay for it. ![]() Officers Ryan and Jordan were shot and killed early Thursday morning when they responded to a domestic dispute at an apartment suite in Inglewood.Īutopsies confirmed gunshot wounds as their cause of death this past weekend. at Immaculate Conception Ukrainian Catholic Church northeast of Calmar (50102 Range Road 265). Obituaries and announcements from Serenity Funeral Service - Leduc, as published in Postmedia Obituaries. This expertise contributes to a meaningful funeral service that gives mourners a chance to say their last farewells. A Funeral Mass for Jerome will be held January 11, 2023, at 10:00a.m. Funeral homes curate a final ceremony that provides space for guests to begin the journey through grief together. at Serenity Funeral Services in Leduc 4702-51 Avenue). ![]() The bodies of the constables will remain at Serenity Funeral Home until the funeral next Monday.ĮPS and family members are still finalizing details for the funeral procession to take place before their celebration of life at Rogers Place at 1 p.m. A visitation will be held on January 10, 2024, from 6:00p.m. "It's not only a loss to their family but to the community as well," he added. (Cam Wiebe/CTV News Edmonton)įor Ahsan Ahmed, lining the funeral procession Tuesday was the "bare minimum" he could do to show respect to the service and the grieving family members. Burial will be at the Immaculate Conception Uk. "They deserve a grandiose goodbye for the service that they have given Edmonton."ĮPS constables Brett Ryan and Travis Jordan were transported from the medical examiner's office to Serenity Funeral Home on Tuesday, March 21, 2023. "They were protecting our community and doing their job, and they got killed in the line of duty," Detta told CTV News Edmonton. This is the full obituary where you can express condolences and share memories. She felt it was important to come to pay her respects to the fallen officers. At the start of the procession route, Michele Detta was one of the dozens who lined the street by the medical examiner's office. ![]() Skilled manual therapy interventions can be the key to your quickest and most complete recovery. Much of the pain and limitation you are experiencing is coming from changes to the joints and surrounding tissues that doing exercise alone will not correct. ![]() There are two major schools of outpatient PT treatment: Manual therapy vs. At Synergy Rehab & Wellness, our thorough, 1 hour evaluations lead to successful treatment plans to achieve the maximum pain relief, healing, self-empowerment, and future injury prevention education. We use sophisticated diagnostic methods to discover the root cause of your pain, which helps determine which services you will benefit from most. Our patients report that 99% of them will return to us for care should they need it in the future, and would recommend us to their friends and family. We have an exceptional success rate with our treatments due to our commitment to providing compassionate, individual and manual therapy focused care as well as having multiple specialties within our practice. We have a highly experienced team of Doctors of Physical Therapy and Licensed PT Assistants, at our Staunton, Waynesboro and Buena Vista, VA locations, who offer specialized treatment services for any pain, injury, or discomfort you may be feeling. 250 in Waynesboro, VA and 2275 Beech in Buena Vista, VA, making them an easy drive from all local cities and well worth the drive! Our offices are very conveniently located on Rt. Synergy Rehab & Wellness is located in Staunton, Waynesboro and Buena Vista, VA, with dedicated staff members that are eager to help you recover. ![]() ![]() You will some type of hat, a bag, and a house badge for each child. Let the kids chose a pretzel rod "wand," dip it in a pot of chocolate, and set it aside to cool for later. Ollivander's Wand Shop (Pretzel Wands dipped in chocolate) This station is really quick.The kids did the puzzles while they were waiting for their turn at other stations.) ![]() Florish & Blotts (Book Shop) The kids pick up their books for Potions and Spells ( Free Printables from Dirt&Sunshine here.) I edited my books to use less paper, and I added a few Harry Potter puzzles from here at the end.(Include the photos in a thank you note from your child after the party.) Madam Malkin's (Photo Booth Station) The kids try on a Hogwarts robe and get their picture taken with a wand the robe.Give them their supply list and send them shopping (3 stations) while they wait for everyone to arrive. I would have loved to make the brick wall, but I simply ran out of time to do anything else! Kids enter and receive their Supply List. Try this brick wall idea from MyHarryPotterParty, or have the kids run toward the door while you quickly open it and let them in. Why reinvent the wheel when you can copy someone else's ideas? Here you go! Children enter through Platform 9 ¾. Be sure to check those ideas out here: Genius Harry Potter Party Ideas You Have to See! Harry Potter Party Timeline In 2019, I hosted my most recent Harry Potter birthday party with several new activities. Now that I've shared the Harry Potter Party Invitations by Owl Post and the party ideas, it's time to reveal the mysteries from the party! I'll share all of my Harry Potter party games and printables, and I'll link you to any that I got from somewhere else. It's easy to create animated videos of your work and share your creations online. With some practice (and skill) it's possible to produce some pretty cool pieces of 3D and 2D art. Its friendly interface makes it easy to get going on creative projects. While it may not be the most sophisticated 3D modeling program, Paint 3D sure is fun. Paint 3D is more geared toward fun rather than professional-level creation. It doesn't, however, claim to be an industry-standard 3D design program, such as Adobe Photoshop's 3D image editing tools or AutoCad. Given that it's aimed at 3D modeling novices, Paint 3D is inevitably going to fall short for those with more design experience. You can save your animations in different formats such as MP4 (video) and GIF, and you can animate both 3D images and regular 2D photos. While users don't need a touch screen or pen-capable PC to use Paint 3D, using one does give editing and creating a more direct, organic feel.Īnother feature that we enjoyed is the ability to create 3D animation. One neat feature of Paint 3D is that its interface is highly touch-compatible. We enjoyed playing around with the different effects possible in Paint 3D to create fun artworks. It's also easy to make your canvas see-through by enabling the toggle for transparent canvas. Depending on what tool you choose to use, you can select its color, its style, thickness, or opacity, and add different textures. 3D Builder, meanwhile, is good for viewing and printing rather than designing 3D models.ĢD drawings are created with tools that include a marker, calligraphy pen, oil brush, spray can, and eraser. Other alternative drawing apps to Paint 3D include Blender and Sketchup Make. In this respect it's very similar to its predecessor, classic MS Paint. The artistic options are endless with Paint 3D.ĭespite a focus on 3D modeling, the program also allows you to create unique 2D art using its brushes, shapes, text, and effects. You can even let your creative instincts run wild by drawing a 3D doodle, which is actually a 2D drawing that you create, add depth to, or inflate like a balloon. You can even share your work with the online community directly from within the program.Īdditionally, you can create any model you want by using the basic 3D objects available. It takes no time at all to produce a cool customized 3D model and the process is really fun. ![]() When you apply a sticker, it automatically wraps itself around the 3D object, while any paint you apply sticks perfectly to the edges of your creation. You can also download stickers from the community, which you can apply to your model for decoration. If you're lacking creative ideas for a more complicated project, you can work with the prebuilt 3D models available in the Remix 3D panel. ![]() The app even includes some predefined 3D models that you can use to practice your 3D modeling skills, including customizing it and viewing it from different angles. Microsoft has lots of tutorials available on how to use Paint 3D, which are useful for beginners. While 3D modeling may sound complicated, Paint 3D's tools are not difficult to use. ![]() You can add 3D text and effects to your creations, before sharing them with others. Users can build 3D objects and even remix models made by other Paint 3D users. Simple yet powerful, Paint 3D introduces users to the world of 3D modeling. As a Windows-only application Paint 3D is also not available for Mac computers. The app is only available in Windows 10 and will not work in older versions such as Windows 7. Microsoft Paint 3D is a completely free program from Microsoft. |
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