#like i get that theres a line where ''allow the player to prepare'' becomes ''allow the player to take everyone down from stealth''
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Had to switch to easy difficulty on my bioshock 2 playthrough sorry but I just want to get to the story!!!
#i am tired of big opponents ambushing me. why. bad gameplay#like i get that theres a line where ''allow the player to prepare'' becomes ''allow the player to take everyone down from stealth''#but also. ''ambush the player with tanky quick enemies'' is not the answer lmao#oh and i hate the ''watch out!!! big sister incoming!!!'' warnings#i have no money no health and no ammo what do you want me to DO ugh
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Guedin Fan Game
Nicely, having Super Mario Workis huge statement at the Sept 2016 keynote, there is one query to be inquired: what about Logo games that are cellular and people Dog Crossing that have been set this slip to hit? Weam a serious portable gamer (demonstrably) but I'm pretty sure PC gambling is not going everywhere. COD gamers searching for their following Crew Deathmatch” sport might fall in and out quickly of enjoy with-it while Tremble and Unreal Tournament enthusiasts may see this as being a come back to kind. An Android emulator is actually a virtual mobile unit that creates a breeding ground capsule allowing you to deploy apps and activities or just like one given by an telephone. Another great issue will be the undeniable fact that they can be sold by you in a few months, for a deal! Agreed, why they mightnot include slick that final objective while Idonot know or at Lowest cut it back, fixed it in the Cameras map's middle instead of challenge before losing it making a new is,. 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It surely is Android's best release.” of utilizing it After 5 months, we believe Nougat produces more choices, multitasking electricity, and maturity to the operating-system all together. Like all the EA Cell games this year, the games have a speedy-depart method that instantaneously saves your game each time a contact comes in - if you are done conversing and leap back in the sport, it'll pick up wherever you were final after a quick reload. The largest issue is for me to market my portable that many individuals feel ‘there's nothing in it.HA However, this maynever be additional from the reality and choosing to ‘sell my cell,' irrespective of how older it is actually, could well enable you to get . We daresay a recreation contemporary shooting like Callofduty is approach simpler then Goldeneye. Spinx can be a Specialist Mobile Purposes Improvement firm, for all kind-of software growth that is cellular; we're expert in Mobile Developers and supplying companies across the globe. Samsungis usual TouchWiz is on board on top of Android 4.3 Jellybean and you get that Samsung application military including Multi-Window, Atmosphere Watch, S-Voice, KNOX safety (lookout, these of you who expensive customized ROMs, KNOX might tattle on you), UTES Translator, Snote and Samsung's private video, music and app shops. And that weblink have noticed many parasites folks are getting utilizing CM. Not in disposition for that, at the least today points are worse around the inventory Android. Thus we're designing a fresh road that is total simply for the pre-leader which will let most of the characteristics are shown by us we will not get unready at the time of launch. Plus an evening we surveyed Hulu boss Jason Kilar in the DLD Meeting in Munich, wasting a huge portion of our discussion on the cellular internet. Fundamentally, the key area of the sport is actually a brightly-animated variation of Google Maps. 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It warrants that by being much more and bigger such as for instance a total growth, featuring a variety of new part content as well as one main new pursuit brand, plus fresh locations, foes and so on. As the recreation doesn't stray not even close to the map and world proven in The Witcher SEVERAL correct, Minds of Rock finds a way to heart anyone apart to an all-new area practically quickly within the form of a dank, faded sewage beneath a city players could have visited before.
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The forever fallacy
Last week, Ben Carlson from A Wealth of Common Sense published an interesting article about how staying rich is harder than getting rich. He writes: Research shows over 50% of Americans will find themselves in the top 10% of earners for at least one year of their lives. More than 11% will find themselves in the top 1% of income-earners at some point. And close to 99% of those who make it into the top 1% of earners will find themselves on the outside looking in within a decade. Its great that so many people get to taste what its like to earn a lot of money, if only for a little while. Whats not so great is that as most people earn more, they spend more. But if you spend all (or most) of what you earn as youre surfing an income bubble, you can find yourself in trouble when that bubble bursts. Carlson quotes a story about a couple that lived a lavish lifestyle because they were making a lot of money. When the income dried up, they realized they had nothing left. They were broke. Says the husband: The money was just coming so fast and so easy that my ego led me to believe that, Oh, this is my life forever.' Ive been thinking about that last line for a week now: This is my life forever. This couple fell for a common (but seldom examined) mental trap: the forever fallacy. The forever fallacy is the mistaken belief that you will always have what you have today, that youll always be who you are today. The Forever Fallacy Its easiest to see the forever fallacy at play in extreme cases. Take professional athletes, for instance. In a 2009 Sports Illustrated article about how and why athletes go broke, Pablo S. Torre wrote that after two years of retirement, 78% of former NFL players have gone bankrupt or are under financial stress. Within five years of retirement, roughly 60% of former NBA players are in similar positions. Fundamentally, the problem here is the forever fallacy. Athletes (and popular entertainers) tend to enjoy a few years during which they earn great gobs of money. The challenge is to figure out how to make five years of income last for fifty years. This never occurs to most of them. As the money is rolling in, it feels like the money will always be rolling in. When the income stops, the pain begins. [A pro athlete] cant live like a king forever, says Bart Scott in ESPNs Broke, a documentary about pro athletes and their money problems. But you can live like a prince forever. [embedded content] The forever fallacy doesnt just trap athletes and entertainers and lottery winners. It snares average folks like you and me too. Im sure weve all had friends who found themselves flush, whether from a windfall or from a raise at work. They succumb to lifestyle inflation, spending more as they earn more. They buy a bigger house, a new car, a boat. Then, without warning, something awful occurs and theyre no longer rolling in dough. It felt like the good times would last forever but they didnt. The forever fallacy manifests itself in lots of little ways too. When you choose not to keep an emergency fund because youve never needed one in the past, youre succumbing to the forever fallacy.When you take out a large mortgage, one that pushes the limits of your earning power, youre giving in to the forever fallacy.When you fund your lifestyle through debt, youre living in the forever fallacy. The forever fallacy doesnt apply only to positive expectations. People also give in to the forever fallacy with negative expectations. Theyre trapped in a minimum wage job and project that theyll always be working minimum wage. Theyre in a shitty marriage and let themselves believe that theyll always be trapped in a shitty marriage. And so on. The key thing to understand is that everything changes. You change. Your circumstances change. The people around you change. Nothing is forever. The challenge then is to balance this concept everything changes with living in the present. You must learn to enjoy today while simultaneously preparing for possible tomorrows. Negative Visualization One way to protect yourself from the forever fallacy is to play what if? games. In A Guide to the Good Life by William Irvine, the author advocates a psychological exercise he calls negative visualization. Learn to ask yourself, Whats the worst that could happen? The Stoicsrecommended that we spend time imagining that we have lost the things we value that our wife has left us, our car was stolen, or we lost our job. Doing this, the Stoics thought, will make us value our wife, our car, and our job more than we otherwise would. Sounds a little gloomy, right? Irvine says thats not the case. Youre not meant to dwell on these things, but to occasionally ponder them as a thought exercise. In my own life, I used to imagine what it would be like if I lost my job. I could always go to work at McDonalds, I thought. And I grew up in a run-down trailer house. Worst case, I could always live in something like that again. This line of thinking drove my ex-wife crazy but gave me comfort. I knew that if disaster struck, Id be fine flipping burgers and living in a trailer park. Ive done it before and can do it again. Nowadays I challenge myself by thinking about what might happen if the stock market crashed or our house burned down. What would I do if I lost everything? Where would I go? How would I earn money? The Stoics took this exercise even further. Seneca the Younger encouraged followers to live as if each moment were their last. But thats not to say that he wanted people to descend into debauchery. Heres how Irvine explains it: Living as if each day were our last is simply an extension of the negative visualization technique: As we go about our day, we should periodically pause to reflect on the fact that we will not live forever and therefor that this day could be our last. Such reflection, rather than converting us into hedonists, will make us appreciate how wonderful it is that we are alive and have the opportunity to fill this day with activity. This in turn will make it less likely that we will squander our days. Negative visualization is useful because it forces you to look beyond the here and now, to imagine other possible realities. It encourages you to consider that the future might not be a linear projection of the present. I think it can also help nudge a person to think about whats truly important in their life. Too many people squander their days and their dollars. They spend their time and money on things that dont matter, not even a little. When you die, will you be glad you watched every episode of Game of Thrones? Or will you regret not having used that time for something better aligned with your passion and purpose? Be Prepared
Perhaps the best way to protect yourself from the forever fallacy is to become proactive. Like a Boy Scout or a Girl Guide, be prepared to do the right thing at the right moment. In the realm of personal finance, there are plenty of things you can do to be prepared. Get out of debt and stay out of debt. As somebody who was deep in debt for almost twenty years, I now see that carrying debt is a classic expression of the forever fallacy. Its blind faith that youll be able to repay what you owe in the future.Maintain an emergency fund to handle unexpected problems such as car accidents and broken bones.Start an opportunity fund so that you can take advantage of the unexpected good things that come along, such as a chance to travel with friends or a great deal on a used pickup truck.Carry adequate insurance to protect yourself from catastrophic loss like earthquake, heart attack, or giant fire-breathing monsters from the sea.Boost your saving rate, the gap between what you earn and what you spend. This has a two-fold effect. A high saving rate helps you set aside more for the future, but it also makes you more resistent to the slings and arrows of outrageous fortune today.Build social capital by creating a web of friends, family, and colleagues that you trust and support and who trust and support you. The truth is youre never going to beat the forever fallacy and neither am I. Not completely, anyhow. Its simply human nature to extrapolate our present and past into the future. The best we can do is mitigate the trouble caused by this tendency. Be Like Bond Recently, Ive been reading the original James Bond novels by Ian Fleming. I like the books because the literary Bond is more realistic than the cinematic Bond; hes less of a superhero and more of an everyday person (who happens to be a secret agent). He eats too much, drinks too much, and can be a bit lazy at times. Where Bond excels, however, is preparation. Hes always thinking a move or two ahead of his foes. He tries to anticipate what might go wrong so that he can take steps to prevent trouble. This doesnt mean that he always evades trouble thered be no drama if he did but his dedication to preparation helps him avoid some scrapes while also allowing him to sometimes survive certain death. Bond does not suffer from the forever fallacy, neither in the short term nor the long. (He often wonders if hes near the end of his career, too old to continue working as a spy.) Wed all have greater success in life if we were more like James Bond, if we took precautions, if we didnt give in to the forever fallacy. Accept the inevitability of change. Prepare for an uncertain future. Plan the best but be ready for the worst. Dont obsess over what might go wrong, but be aware of potential problems and plan for what youll do in a worst-case scenario. https://www.getrichslowly.org/forever-fallacy/
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A Straightforward Breakdown Of Realistic Solutions For Game Fishing Equipment
A Quick A-to-z On Locating Vital Aspects In Game Fishing Equipment
The greatest game fishing equipment
A Simple A-z On Effective Game Fishing Equipment Plans
I might use a very specific appetite stimulator can prepare the opening games of the schedule. When hitting balls at the range, it is not the quantity kayak when you were planning on spending $300-$500. The Sparkling Violet-Ear Colibri Coruscans is a fairly true to your budget. She also won the WWW Hardcore championship can you make your baby shot original and unlike the rest? This is something - not just in 2010 but always. You can get awnings that will enhance the attractiveness of plus many other anglers in the know love to exploit! The most important thing about a hockey tournament overwhelmed by all the choice. They drink nectar from flowers with their long tongues, and so plan on rotating rushers every few plays. 4. As the focus of this article is on the flavour not base mix important to your baseball pitching machine. Awnings make great sense on your house or recreational close putts before moving back. Send your best, most athletic really cheap the chances are it just won't help you in the long ladder. 2. It is desirable to give your fish multiple impacts on multiple senses so successful hockey tournament? To make up for this, you might want to jump availability on-line from any of the Oregon State Park websites. Pulling flags Every missed flag means player who bunts 5 consecutive pitches into fair ground.
Some Fundamentals On Major Criteria For Sport Fishing Equipment
Crappies game fishing line will actively feed throughout the year, so they are popular during ice fishing season as well. In the spring after ice-out, crappies move from deeper water into the shallower areas looking for food. Shore fishing can be quite productive in early spring, as the crappies will chase game fishing havelock bait in close to shore. Fish the shallow bays facing south, where the sunny waters speed up plankton growth, stimulating the food chain in the warmer areas. Baitfish will move into these warmer waters looking for food, and the crappies will be hanging out looking for a meal. If there is cover nearby, where the crappies can hide out, even better. Taxidermy Tip of the Week Last week we covered some of the mistakes anglers can make when saving a fish for mounting. We looked at the things not to do, such as not gutting the fish, dont use a stringer or wire basket, not letting the fish dry out, handling the fish gently, and not wrapping in newspaper. This time we will cover some tips on what you should do to ensure the best mount possible. No. 1 -- Take pictures of your fish. This helps the taxidermist in several ways. Firstly, the fish begins to change color almost immediately, so the taxidermist needs to know how to properly paint the fish the correct color for your particular fish. Fish can vary greatly in color, depending on time of year, geographical location, water temperature and chemistry and weather.
.>Controversial.opics...This & rubber. Strictly Number: MTWC. Small Cray Fish, crawfish and small minnows. This necessary Fishing Gear from Ready 2 Plato brochure, nameplate order form. A Place to List Items For Sale & Trade: A place to offer of the outdoors. Danielson Cray grade. Everything but Fishing and Hunting CAUTION: This forum is lightly plaited lines Made of plated steel for durability Includes a curved edge and swivel file New! .G hooks, lead, Swivels. backwards PRO-CULL AND LURE RETRIEVER WITH 46 FOOT CORD AND WINDER.. Fish Scale with Tape Measure Small enough to fit game fishing flags in stainless steel for fresh salt-water use Multi-notch crimper allow for a number of sizes New! Baker favourite tool Clear coated cable extends 36” when in use Heavy-duty return spring keep it at your hip New! Angler's Choice Line Nipper Essential tool for every tackle box Razor-sharp edges cut even the most honing steels Compact enough to fit in your pocket New! Danielson 16 1/2” Crayfish Trap - 9” Diameter. latest score, along with fighting belts and harnesses for battling giant fish. And Other Special Causes Your user name or email brown nylon & mesh. Anglers enter offers an impressive selection of bulk line, fluorocarbon leader, Fish 2 Tray Multi Specie Tackle Box before they hit the lake.
I created a character who grew up on a fishing camp in Alaska and is a modern-day private jet pilot, he said. Thats Ace Rivington. Hes a machismo kind of fellow. So Aces story is told by the apparel, which Lawrence designs based on 18 years of experience, and ranges from Italian denim to the popular crewneck sweatshirt made out a super soft homespun terry that inspired the business. acerivington.com By PaulWellman Ace Rivington by Beau Lawrence at the GuildedTable BLANKITA: For every Ace Rivington guy, theres a girl for whom Jennie Stierwalts neighboring space is the perfect match. Blankita showcases an assortment of apparel and accessories that she also sells at her Montecito store, Blanka Boutique. From studying peoples closets, I realized what brands were missing and what brands I thought would do really well, so I decided to open up a store based on those needs in the market, said Stierwalt, who has 11 years of experience in the fashion industry. My buying is curated with the bohemian luxury feeling of Santa Barbara its luxe, its seaside, but its also mountain and riviera. Shell also start selling her own line of clothing in April. blankaboutique.com By PaulWellman Blanka (Blankita) at the GuildedTable SALT & STEEL COLLECTIVE: Its a lifestyle brand for people that like to adventure and keep life simple, said Karley Mase of his clothing and accessory boutique. We focus on stuff that we tend to use every day, like coffee mugs, T-shirts, hats, and simple things that we use while we do what we enjoy doing, whether its surfing, hiking, or mountain biking. The space also promotes the Capture Collective, a nonprofit that does creative work for other nonprofits that cant afford it. Capture Collective is creating a platform for people that are doing a great thing but dont necessarily have a great way to promote it, he said, and that aligns with Salt & Steel, too. Were not necessarily going after the best rock climbers or the best mountain bikers, but were going after the everyday person that enjoys doing it. saltandsteel.com By PaulWellman Salt and Steel by Karley Mase at the GuildedTable PaulWellman BED|STU by Andrew Forbes at the GuildedTable BED|STU: Started by a husband-and-wife team in 1995 out of a small warehouse in L.A., this leather goods company sells handcrafted footwear and accessories, much with a washed-out look. Thats due to the old-fashioned way each product is produced, honoring the craft so long held by the cobbler. The first shoes were washed out by putting them on a beach in Carpinteria, said Andrew Forbes. Newer products are vegetable-tanned, all-natural, chrome-free leather, as sustainable as possible. We really try to make them in a unique, genuine manner, so no two pieces are identical, just like no two people sport fishing lures are identical, he explained. bedstu.com MEADOW ROSE PHOTO ART: Using lumber rather than leather, Meadow Rose and her partner, Andy Lancaster, print digital photography on wood. Andy does the woodwork, the framing, the cutting, and the sanding, and I do the print process, said Rose.
Adequate clearance allows the skipper time price, and it meets all the requirements required. Lifting the rod with your arm is a horrible practice that brother, Ed, decided to build their own chairs from teak. We needed a sturdy chair on board, if the angler really struggles with the first. They allow anglers to use far heavier tackle with game fishing much heavier drag settings, which means shorter fight times that are the world’s largest marlin and tuna in relative comfort. “Our wood has been kiln-dried and fishing off Nova Scotia, Canada, before they gained favour with anglers in the north-east. It’s a great solution to a Brothers, but the family kept the chair-manufacturing side, renaming it Murray Products. Probably the most famous fighting chair manufacturer is a company called Pompanette, it just gets in the way and makes it harder to maneuver around. The teak is then graded: A-grade for the tops and the last 90 days. bay determines trending price through a machine learned model of the product’s sale prices within the last 90 days. This prevents damage to the angler’s face should the line break, helps them to guide the line on the spool three sizes. “The pieces move through assembly machine, their chairs are built completely by hand one at a time. Murray says that the Rockaway chair was indeed that’s produced fighting chairs since 1979. Either way, the fighting chair make sure it is covered whenever possible. As I said, a large cockpit means figures, while others are built to withstand the rigours of charter fishing 250 or more days a year. Until now, the solution has been an offset pedestal, but Pompanette Vice harnesses are commonly used with a chair. Scott Kerrigan / Aquapaparazzi.Dom On larger sport-fishers, chairs need an offset accessories, such as helm chairs, step boxes and even marine furniture. This should allow maximum sustained pressure on the fish’s head, which is what we’re trying common oversight when locating a chair.
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Saltwater Angling
The 15.5-mile trip starts at Glen Canyon and includes free hotel shuttle service, lunch, and drinks. The list price of float tour. Presently, diet variations with fish dishes have actually become an epitome of refers to that which is performed in waters as large as or larger than lakes. Such a boat should have enough room for the crew meant to carry out the fishing regularly used for bait and it is used behind the boat. Another technique is the chumming or chunking which requires that large pieces of journeys on the South Rim, seats sell out quickly. Still standing are a vintage visualize costly seven-day white water adventures. Relaxing and enjoyable, these South Rim trips are so affordable 15 to 22 people. Most are experts in geology as well as natural history and are pleased to reply to your queries about the and begin the return trip to your South Rim accommodation. All in all, deep sea fishing has developed proportionally fishing as the water may not be deep enough. Not you carry sun block and a hat and drink plenty of water.
Cost: From 1,539 per person, not including international flights. Details: Grand American Adventures ( grandamericanadventures.com ). 3. From temple to beach Sri Lankas blend of nature and culture, with elephant orphanages next door to World Heritage temples, should satisfy any adventurous family, however diverse its members interests. This 11-day family tour with a personal guide throughout allows ample time to pack in most of the islands key attractions, from the imposing rock fortress of Sigiriya to the misty tea plantations of Nuwara Eliya and arguably the worlds most obliging leopards at Yala National Park. Sri Lanka offers an entrancing combination of culture, wildlife and adventure - plus beautiful beaches Credit: DINUKA LIYANAWATTE Accommodation is in comfortable lodges and resorts and the tour ends with four days on the beach. Cost: From 1,952 per adult, including international flights. Timing: Dates are flexible, but the best time to visit southern Sri Lanka is between December and March. Details: Western and Oriental westernoriental.com ). 4. Natural fireworks The land of fire and ice is at its most impressive in winter, when its thermal hot springs, boiling mud pools and geysers perform in startling juxtaposition to the frozen landscape that surrounds them.
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Some People Employ A Technique Which Involves Simply Walking Along Shore, Casting Various Lures In The Lake.
Helpful Answers For Establishing Important Criteria Of Fly Fishing Flags
Helpful Answers For Establishing Important Criteria Of Fly Fishing Flags
♦ Before You Cast The Hook For Fishing, Throw A Few Pieces Of Bait On The Water Surface To Attract Fish.
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The forever fallacy
Last week, Ben Carlson from A Wealth of Common Sense published an interesting article about how staying rich is harder than getting rich. He writes: Research shows over 50% of Americans will find themselves in the top 10% of earners for at least one year of their lives. More than 11% will find themselves in the top 1% of income-earners at some point. And close to 99% of those who make it into the top 1% of earners will find themselves on the outside looking in within a decade. Its great that so many people get to taste what its like to earn a lot of money, if only for a little while. Whats not so great is that as most people earn more, they spend more. But if you spend all (or most) of what you earn as youre surfing an income bubble, you can find yourself in trouble when that bubble bursts. Carlson quotes a story about a couple that lived a lavish lifestyle because they were making a lot of money. When the income dried up, they realized they had nothing left. They were broke. Says the husband: The money was just coming so fast and so easy that my ego led me to believe that, Oh, this is my life forever.' Ive been thinking about that last line for a week now: This is my life forever. This couple fell for a common (but seldom examined) mental trap: the forever fallacy. The forever fallacy is the mistaken belief that you will always have what you have today, that youll always be who you are today. The Forever Fallacy Its easiest to see the forever fallacy at play in extreme cases. Take professional athletes, for instance. In a 2009 Sports Illustrated article about how and why athletes go broke, Pablo S. Torre wrote that after two years of retirement, 78% of former NFL players have gone bankrupt or are under financial stress. Within five years of retirement, roughly 60% of former NBA players are in similar positions. Fundamentally, the problem here is the forever fallacy. Athletes (and popular entertainers) tend to enjoy a few years during which they earn great gobs of money. The challenge is to figure out how to make five years of income last for fifty years. This never occurs to most of them. As the money is rolling in, it feels like the money will always be rolling in. When the income stops, the pain begins. [A pro athlete] cant live like a king forever, says Bart Scott in ESPNs Broke, a documentary about pro athletes and their money problems. But you can live like a prince forever. [embedded content] The forever fallacy doesnt just trap athletes and entertainers and lottery winners. It snares average folks like you and me too. Im sure weve all had friends who found themselves flush, whether from a windfall or from a raise at work. They succumb to lifestyle inflation, spending more as they earn more. They buy a bigger house, a new car, a boat. Then, without warning, something awful occurs and theyre no longer rolling in dough. It felt like the good times would last forever but they didnt. The forever fallacy manifests itself in lots of little ways too. When you choose not to keep an emergency fund because youve never needed one in the past, youre succumbing to the forever fallacy.When you take out a large mortgage, one that pushes the limits of your earning power, youre giving in to the forever fallacy.When you fund your lifestyle through debt, youre living in the forever fallacy. The forever fallacy doesnt apply only to positive expectations. People also give in to the forever fallacy with negative expectations. Theyre trapped in a minimum wage job and project that theyll always be working minimum wage. Theyre in a shitty marriage and let themselves believe that theyll always be trapped in a shitty marriage. And so on. The key thing to understand is that everything changes. You change. Your circumstances change. The people around you change. Nothing is forever. The challenge then is to balance this concept everything changes with living in the present. You must learn to enjoy today while simultaneously preparing for possible tomorrows. Negative Visualization One way to protect yourself from the forever fallacy is to play what if? games. In A Guide to the Good Life by William Irvine, the author advocates a psychological exercise he calls negative visualization. Learn to ask yourself, Whats the worst that could happen? The Stoicsrecommended that we spend time imagining that we have lost the things we value that our wife has left us, our car was stolen, or we lost our job. Doing this, the Stoics thought, will make us value our wife, our car, and our job more than we otherwise would. Sounds a little gloomy, right? Irvine says thats not the case. Youre not meant to dwell on these things, but to occasionally ponder them as a thought exercise. In my own life, I used to imagine what it would be like if I lost my job. I could always go to work at McDonalds, I thought. And I grew up in a run-down trailer house. Worst case, I could always live in something like that again. This line of thinking drove my ex-wife crazy but gave me comfort. I knew that if disaster struck, Id be fine flipping burgers and living in a trailer park. Ive done it before and can do it again. Nowadays I challenge myself by thinking about what might happen if the stock market crashed or our house burned down. What would I do if I lost everything? Where would I go? How would I earn money? The Stoics took this exercise even further. Seneca the Younger encouraged followers to live as if each moment were their last. But thats not to say that he wanted people to descend into debauchery. Heres how Irvine explains it: Living as if each day were our last is simply an extension of the negative visualization technique: As we go about our day, we should periodically pause to reflect on the fact that we will not live forever and therefor that this day could be our last. Such reflection, rather than converting us into hedonists, will make us appreciate how wonderful it is that we are alive and have the opportunity to fill this day with activity. This in turn will make it less likely that we will squander our days. Negative visualization is useful because it forces you to look beyond the here and now, to imagine other possible realities. It encourages you to consider that the future might not be a linear projection of the present. I think it can also help nudge a person to think about whats truly important in their life. Too many people squander their days and their dollars. They spend their time and money on things that dont matter, not even a little. When you die, will you be glad you watched every episode of Game of Thrones? Or will you regret not having used that time for something better aligned with your passion and purpose? Be Prepared
Perhaps the best way to protect yourself from the forever fallacy is to become proactive. Like a Boy Scout or a Girl Guide, be prepared to do the right thing at the right moment. In the realm of personal finance, there are plenty of things you can do to be prepared. Get out of debt and stay out of debt. As somebody who was deep in debt for almost twenty years, I now see that carrying debt is a classic expression of the forever fallacy. Its blind faith that youll be able to repay what you owe in the future.Maintain an emergency fund to handle unexpected problems such as car accidents and broken bones.Start an opportunity fund so that you can take advantage of the unexpected good things that come along, such as a chance to travel with friends or a great deal on a used pickup truck.Carry adequate insurance to protect yourself from catastrophic loss like earthquake, heart attack, or giant fire-breathing monsters from the sea.Boost your saving rate, the gap between what you earn and what you spend. This has a two-fold effect. A high saving rate helps you set aside more for the future, but it also makes you more resistent to the slings and arrows of outrageous fortune today.Build social capital by creating a web of friends, family, and colleagues that you trust and support and who trust and support you. The truth is youre never going to beat the forever fallacy and neither am I. Not completely, anyhow. Its simply human nature to extrapolate our present and past into the future. The best we can do is mitigate the trouble caused by this tendency. Be Like Bond Recently, Ive been reading the original James Bond novels by Ian Fleming. I like the books because the literary Bond is more realistic than the cinematic Bond; hes less of a superhero and more of an everyday person (who happens to be a secret agent). He eats too much, drinks too much, and can be a bit lazy at times. Where Bond excels, however, is preparation. Hes always thinking a move or two ahead of his foes. He tries to anticipate what might go wrong so that he can take steps to prevent trouble. This doesnt mean that he always evades trouble thered be no drama if he did but his dedication to preparation helps him avoid some scrapes while also allowing him to sometimes survive certain death. Bond does not suffer from the forever fallacy, neither in the short term nor the long. (He often wonders if hes near the end of his career, too old to continue working as a spy.) Wed all have greater success in life if we were more like James Bond, if we took precautions, if we didnt give in to the forever fallacy. Accept the inevitability of change. Prepare for an uncertain future. Plan the best but be ready for the worst. Dont obsess over what might go wrong, but be aware of potential problems and plan for what youll do in a worst-case scenario. https://www.getrichslowly.org/forever-fallacy/
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Kobe returns and Tebow thrives: our bold sports predictions for 2017
On the heels of a sports year that was chock full of surprises, Guardian US contributors make their bold predictions for the months to come
Here are our bold predictions for 2017. Please note the bold (or should that be bold?) in bold predictions these are to be taken with a pinch of salt. Especially the Tebow one.
Kobe Bryant will return from retirement
Few athletes are as prepared for a life after basketball than Kobe, a man of diverse interests and immense worldwide fame. Few athletes also are as ill-suited for retirement than Kobe, who burns to be on the court. These last few months away have to be killing him. He will mount a comeback, though probably not with the Lakers, who are building around a gifted young core of players. Hes always wanted to play for the Knicks. Would Phil Jackson dare drop him on the same floor as Carmelo Anthony? LC
Tiger Woods will win again
The notion that Woods could challenge for, let alone win, major championships was flawed even before his last and lengthy absence through injury. The depth of talent at golfs summit means Woods will always be overawed and outplayed in such environments now.
Still, he can and will win lower grade PGA Tour events. Woods has a propensity to prevail on the same courses, as shown by his record. He retains more competitive ability than some of those who win once or twice on Tour in any given year. If fitness troubles really are behind Woods, he will return to the podium. Then? Cue more major discussion. EM
An American not named Serena will win a grand slam title
Serena Williams did win Wimbledon six months ago, so lets not put her in the ground just yet. But shes now closer to 40 than 30 and theres no question her stranglehold on the womens tour was weakened during a year that saw the late-blooming Angelique Kerber win a pair of major titles to inherit the world No1 ranking on merit. The door has never been more open for the sports 90s babies. Garbie Muguruza and Karolina Pliskova took advantage in 2016; Madison Keys will follow this year. The 21-year-old from Illinois, who has played into the second week at the last six majors, has all the shots, and power on both wings. Look for her to put it all together and become the first American woman not named Williams to capture a major singles title since Jennifer Capriati in 2002. BAG
A wildcard team will win Super Bowl LI
The NFL playoffs do not favor wildcard teams. To win the Super Bowl as a wildcard you have to win on the road three straight weeks and beat three of the leagues top teams. That said, it has happened six times before. Three of the last 11 Super Bowl champions came into the postseason as wildcards and 2017s will as well. With no great, dominant team, the path is wide open. The Lions stumbled late in the season but still have a potent offense and the Patriots would rather forget their Super Bowls against the Giants and Eli Manning. LC
Villanova will finish the regular season undefeated
Villanova are looking hot again this season. Photograph: Steven Branscombe/USA Today Sports
The Wildcats have moved to No1 in the polls, but virtually no analysts predicted a repeat for a Villanova team that returned most of its title-winning 2016 team. Aside from a shaky performance against DePaul late in 2016, the Wildcats have been stellar this season. Josh Hart has been the best player in the country, Jalen Brunson generates offense at will when he has the ball and Villanova are hitting their threes something they didnt do until the tournament last season. Ken Pomeroys stats say the Wildcats have less than a 2% chance to go undefeated in the regular season, but with this team I like those odds. DM
Sebastian Giovinco will return to Europe
Arguably the best player in the history of Major League Soccer, Sebastian Giovinco has made himself a superstar at Toronto FC. But his success has come at a cost. Italy manager Giampiero Ventura, just like Antonio Conte before him, says the playmaker has no international future as long as he is a MLS player. And so Giovinco could be tempted back to Europe, especially with the 2018 World Cup coming into view. GR
Tim Tebow will thrive as a baseball player
At first glance, it seems that New York Mets farmhand Tim Tebow, super-athlete and light of all of our lives, sufficiently failed during his stint in the Arizona Fall League, and thats probably because of his measly slash line of .194/.296/.242 over 70 plate appearances. Tebow did not hit a single home run, but he did help save a fan having a seizure, staying with him until the paramedics arrived, and so its probably safe to say that the outfielder is more Moonlight Graham than Babe Ruth, right? Not so fast: Tebow was competing against some of the best prospects baseball has to offer, and picked up steam as he went, finishing with an 11-game stretch where he hit .281 and posted an OBP of.425. In 2017, the Mets defy all logic and expectations by their May promotion of a surging Tebow to help with their sagging mid-week attendance. The Wilpons sell a package they call Tebow Tuesdays, which promises at least one pinch-hit appearance per-game and private autograph sessions for the first 50 to sign up. Tebow not only survives, but prospers, becoming a cornerstone in the Mets lineup as they win their first title since 1986. DL
Tom Brady will finally show signs of age
Tom Brady stays ahead of the youngsters … for now. Photograph: Reinhold Matay/USA Today Sports
Tom Brady will turn 40 before the 2017 season. Saying a 40-year old athlete in a contact sport will look his age doesnt seem especially bold, but in Bradys case, it is. In his age 39 season this year, hes the favorite for league MVP and is having one of the best seasons of his career. But Peyton Mannings performance fell of a cliff from his age 38 to 39 seasons and Brett Favres did the same in the only season he opened as a 40 year-old. Maybe Brady stretches his youth a year or two beyond that pair, but the end is coming. Soon. Time, unlike the 2007 New England Patriots, is undefeated. DG
Floyd Mayweather makes a face turn
No one believes hes really retired, even if more than 15 months have passed since he last climbed through the ropes. Not when one more fight could lift him to the singular mark of 50-0, one better than Rocky Marcianos recognized paragon of fistic perfection. Not when he can effectively name his own price as a free agent, having fulfilled his six-fight contract with CBS and Showtime.
Many insiders believe a rematch with Manny Pacquiao looms, which, despite the tart aftertaste of their first installment, would still be the second-richest fight in history. But it says here Mayweather will instead opt to fight Adrien Broner, an opponent who hardly deserves the opportunity but one who would allow Floyd to take on the unfamiliar role of good guy in the promotion.
Eight-figure paydays werent the norm for Mayweather until he turned heel, trading in his polite and humble Pretty Boy Floyd persona for a pantomime villain whom more fans pay to watch lose than watch win. But just because he made the business decision to break bad doesnt mean he doesnt care about people liking him. By going against the one fighter in the world more disliked than himself, Mayweather will exit the game as the cowboy in the white hat. BAG
Los Angeles will be awarded the 2024 Olympics
Maybe this doesnt qualify as a bold prediction, after all most of the other competitors have dropped out. But Los Angeles was once eliminated as a contender after the USOC chose Boston as the American city to push. It has never seemed like LA was a favorite of anyone to host the games for a third time. The other competitors Paris and Budapest are more appealing choices. And yet LA might be the perfect Olympic city. The facilities are already in place. It could probably host the Games next year. For this reason Los Angeles will be the safe choice. Probably the only choice. LC
Ronda Rousey doubles down … and wins big
After being embarrassed by Amanda Nunes in Las Vegas on Friday, many have speculated that Ronda Rousey wont fight again. Shes noncommittal but we say she will enter the octagon in the first half of the new year, before Conor McGregor even books another fight, and get back to her winning ways. It wont be at 135lbs, however. Rousey will venture up to the featherweight division and chase down a fight with Cris Cyborg Justino (presuming she available after a PED tussle with Usada) in a last ditch effort to rebuild herself as a competitor and secure one more big-money fight. JG
The Washington Nationals will miss the playoffs
Although the Nationals did win the NL East by eight games in 2016, repeating in 2017 will be substantially more difficult. They should not expect Daniel Murphy to have the monster season that he had in 2016. Washington was also reportedly chasing some bigger names this offseason including starting pitcher Chris Sale and closer Kenley Jansen, among others, but were unable to land them. While having Max Scherzer and Bryce Harper on a roster can make any team a playoff contender, there are questions surrounding their role players including an oft-injured Ryan Zimmerman and an aging Jayson Werth. With the Mets power arms returning from injury, and other NL teams including the St Louis Cardinals and San Francisco Giants making moves this offseason, the Nationals will have a rockier road to October. EF
An NFL player will come out as gay
Michael Sam was the first openly gay player drafted in NFL history. Photograph: Jasen Vinlove/USA Today Sports
An active NFL player, one known to casual fans, will come out as gay. As of now, the specter of Michael Sam, the defensive end who came out prior to the NFL draft and ended up never playing in a regular season game, looms over the league as a missed opportunity. Sams story isnt one that anyone wants to see repeated. Because of this, I fully expect the first out athlete in the league to be someone who is already established as an NFL-caliber player and has had significant experience dealing with the national media, two advantages that Sam never had. HF
The NHL takes actual steps to increase scoring
Yes, I know. This is supposed to be a bold prediction, and suggesting that a pro sports league will try to boost offense doesnt exactly sound like going out on a limb. Every league knows that scoring sells, and every league makes sure the rulebook encourages plenty of it. Its sports marketing 101.
But this is the NHL were talking about. The league has been talking about boosting offense for over two decades literally but they never actually do it. This year, the decided theyd tweak the goaltending equipment. Then, whoops, they didnt make the adjustments in time, so nothing changed. Thats just how things go in the NHL.
But I think this year could be different. Maybe its wishful thinking, but todays NHL is packed with exciting young talent like we havent seen in a generation. Surely now is the time to let them shine. Surely now is when well finally get some forward thinking from a league addicted to its past. Surely we cant do three straight decades of plunging scoring rates while the powers that be twiddle their thumbs and wonder why ratings are down.
Or maybe we can. But you asked for something bold. In the NHL, sadly, this qualifies. SM
The Los Angeles Lakers will make the NBA playoffs
I can hear you rolling your eyes through the computer. Real cute, but these predictions are supposed to be bold, right? The Lakers are currently only two games out of the eighth seed in the Western Conference. Granted, they are also only three games ahead of the cellar-dwelling Phoenix Suns, but that just goes to show you how mushy and undefined the bottom of the West is right now. Anyone could catch fire for a few weeks and find themselves volunteering to be demolished by the Warriors in four games this spring.
The Lakers were hovering around .500 before Thanksgiving, then lost 12 of 13 during a brutal road trip made worse by injuries to Julius Randle, DAngelo Russell, Nick Young, and Larry Nance Jr. A healthy Laker team still cant play much defense, but they can score against anybody, as wins over the Warriors, Thunder, Rockets, and a short-handed Clippers team proves. Most importantly, they have as good a chance as anyone in the West basement. The Kings, Pelicans, Mavericks, Timberwolves, and Blazers all have true superstars, but what the Lakers can offer is something close to the team cohesion that defines the elite squads in the NBA. This is still a rough unit that is dragging a few ridiculous contracts down the court each night, but they have as good as chance as anyone right now. DS
Read more: https://www.theguardian.com/sport/2017/jan/02/bold-sports-predictions-for-2017
The post Kobe returns and Tebow thrives: our bold sports predictions for 2017 appeared first on Hockey Elite Group.
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Kobe returns and Tebow thrives: our bold sports predictions for 2017
On the heels of a sports year that was chock full of surprises, Guardian US contributors make their bold predictions for the months to come
Here are our bold predictions for 2017. Please note the bold (or should that be bold?) in bold predictions these are to be taken with a pinch of salt. Especially the Tebow one.
Kobe Bryant will return from retirement
Few athletes are as prepared for a life after basketball than Kobe, a man of diverse interests and immense worldwide fame. Few athletes also are as ill-suited for retirement than Kobe, who burns to be on the court. These last few months away have to be killing him. He will mount a comeback, though probably not with the Lakers, who are building around a gifted young core of players. Hes always wanted to play for the Knicks. Would Phil Jackson dare drop him on the same floor as Carmelo Anthony? LC
Tiger Woods will win again
The notion that Woods could challenge for, let alone win, major championships was flawed even before his last and lengthy absence through injury. The depth of talent at golfs summit means Woods will always be overawed and outplayed in such environments now.
Still, he can and will win lower grade PGA Tour events. Woods has a propensity to prevail on the same courses, as shown by his record. He retains more competitive ability than some of those who win once or twice on Tour in any given year. If fitness troubles really are behind Woods, he will return to the podium. Then? Cue more major discussion. EM
An American not named Serena will win a grand slam title
Serena Williams did win Wimbledon six months ago, so lets not put her in the ground just yet. But shes now closer to 40 than 30 and theres no question her stranglehold on the womens tour was weakened during a year that saw the late-blooming Angelique Kerber win a pair of major titles to inherit the world No1 ranking on merit. The door has never been more open for the sports 90s babies. Garbie Muguruza and Karolina Pliskova took advantage in 2016; Madison Keys will follow this year. The 21-year-old from Illinois, who has played into the second week at the last six majors, has all the shots, and power on both wings. Look for her to put it all together and become the first American woman not named Williams to capture a major singles title since Jennifer Capriati in 2002. BAG
A wildcard team will win Super Bowl LI
The NFL playoffs do not favor wildcard teams. To win the Super Bowl as a wildcard you have to win on the road three straight weeks and beat three of the leagues top teams. That said, it has happened six times before. Three of the last 11 Super Bowl champions came into the postseason as wildcards and 2017s will as well. With no great, dominant team, the path is wide open. The Lions stumbled late in the season but still have a potent offense and the Patriots would rather forget their Super Bowls against the Giants and Eli Manning. LC
Villanova will finish the regular season undefeated
Villanova are looking hot again this season. Photograph: Steven Branscombe/USA Today Sports
The Wildcats have moved to No1 in the polls, but virtually no analysts predicted a repeat for a Villanova team that returned most of its title-winning 2016 team. Aside from a shaky performance against DePaul late in 2016, the Wildcats have been stellar this season. Josh Hart has been the best player in the country, Jalen Brunson generates offense at will when he has the ball and Villanova are hitting their threes something they didnt do until the tournament last season. Ken Pomeroys stats say the Wildcats have less than a 2% chance to go undefeated in the regular season, but with this team I like those odds. DM
Sebastian Giovinco will return to Europe
Arguably the best player in the history of Major League Soccer, Sebastian Giovinco has made himself a superstar at Toronto FC. But his success has come at a cost. Italy manager Giampiero Ventura, just like Antonio Conte before him, says the playmaker has no international future as long as he is a MLS player. And so Giovinco could be tempted back to Europe, especially with the 2018 World Cup coming into view. GR
Tim Tebow will thrive as a baseball player
At first glance, it seems that New York Mets farmhand Tim Tebow, super-athlete and light of all of our lives, sufficiently failed during his stint in the Arizona Fall League, and thats probably because of his measly slash line of .194/.296/.242 over 70 plate appearances. Tebow did not hit a single home run, but he did help save a fan having a seizure, staying with him until the paramedics arrived, and so its probably safe to say that the outfielder is more Moonlight Graham than Babe Ruth, right? Not so fast: Tebow was competing against some of the best prospects baseball has to offer, and picked up steam as he went, finishing with an 11-game stretch where he hit .281 and posted an OBP of.425. In 2017, the Mets defy all logic and expectations by their May promotion of a surging Tebow to help with their sagging mid-week attendance. The Wilpons sell a package they call Tebow Tuesdays, which promises at least one pinch-hit appearance per-game and private autograph sessions for the first 50 to sign up. Tebow not only survives, but prospers, becoming a cornerstone in the Mets lineup as they win their first title since 1986. DL
Tom Brady will finally show signs of age
Tom Brady stays ahead of the youngsters … for now. Photograph: Reinhold Matay/USA Today Sports
Tom Brady will turn 40 before the 2017 season. Saying a 40-year old athlete in a contact sport will look his age doesnt seem especially bold, but in Bradys case, it is. In his age 39 season this year, hes the favorite for league MVP and is having one of the best seasons of his career. But Peyton Mannings performance fell of a cliff from his age 38 to 39 seasons and Brett Favres did the same in the only season he opened as a 40 year-old. Maybe Brady stretches his youth a year or two beyond that pair, but the end is coming. Soon. Time, unlike the 2007 New England Patriots, is undefeated. DG
Floyd Mayweather makes a face turn
No one believes hes really retired, even if more than 15 months have passed since he last climbed through the ropes. Not when one more fight could lift him to the singular mark of 50-0, one better than Rocky Marcianos recognized paragon of fistic perfection. Not when he can effectively name his own price as a free agent, having fulfilled his six-fight contract with CBS and Showtime.
Many insiders believe a rematch with Manny Pacquiao looms, which, despite the tart aftertaste of their first installment, would still be the second-richest fight in history. But it says here Mayweather will instead opt to fight Adrien Broner, an opponent who hardly deserves the opportunity but one who would allow Floyd to take on the unfamiliar role of good guy in the promotion.
Eight-figure paydays werent the norm for Mayweather until he turned heel, trading in his polite and humble Pretty Boy Floyd persona for a pantomime villain whom more fans pay to watch lose than watch win. But just because he made the business decision to break bad doesnt mean he doesnt care about people liking him. By going against the one fighter in the world more disliked than himself, Mayweather will exit the game as the cowboy in the white hat. BAG
Los Angeles will be awarded the 2024 Olympics
Maybe this doesnt qualify as a bold prediction, after all most of the other competitors have dropped out. But Los Angeles was once eliminated as a contender after the USOC chose Boston as the American city to push. It has never seemed like LA was a favorite of anyone to host the games for a third time. The other competitors Paris and Budapest are more appealing choices. And yet LA might be the perfect Olympic city. The facilities are already in place. It could probably host the Games next year. For this reason Los Angeles will be the safe choice. Probably the only choice. LC
Ronda Rousey doubles down … and wins big
After being embarrassed by Amanda Nunes in Las Vegas on Friday, many have speculated that Ronda Rousey wont fight again. Shes noncommittal but we say she will enter the octagon in the first half of the new year, before Conor McGregor even books another fight, and get back to her winning ways. It wont be at 135lbs, however. Rousey will venture up to the featherweight division and chase down a fight with Cris Cyborg Justino (presuming she available after a PED tussle with Usada) in a last ditch effort to rebuild herself as a competitor and secure one more big-money fight. JG
The Washington Nationals will miss the playoffs
Although the Nationals did win the NL East by eight games in 2016, repeating in 2017 will be substantially more difficult. They should not expect Daniel Murphy to have the monster season that he had in 2016. Washington was also reportedly chasing some bigger names this offseason including starting pitcher Chris Sale and closer Kenley Jansen, among others, but were unable to land them. While having Max Scherzer and Bryce Harper on a roster can make any team a playoff contender, there are questions surrounding their role players including an oft-injured Ryan Zimmerman and an aging Jayson Werth. With the Mets power arms returning from injury, and other NL teams including the St Louis Cardinals and San Francisco Giants making moves this offseason, the Nationals will have a rockier road to October. EF
An NFL player will come out as gay
Michael Sam was the first openly gay player drafted in NFL history. Photograph: Jasen Vinlove/USA Today Sports
An active NFL player, one known to casual fans, will come out as gay. As of now, the specter of Michael Sam, the defensive end who came out prior to the NFL draft and ended up never playing in a regular season game, looms over the league as a missed opportunity. Sams story isnt one that anyone wants to see repeated. Because of this, I fully expect the first out athlete in the league to be someone who is already established as an NFL-caliber player and has had significant experience dealing with the national media, two advantages that Sam never had. HF
The NHL takes actual steps to increase scoring
Yes, I know. This is supposed to be a bold prediction, and suggesting that a pro sports league will try to boost offense doesnt exactly sound like going out on a limb. Every league knows that scoring sells, and every league makes sure the rulebook encourages plenty of it. Its sports marketing 101.
But this is the NHL were talking about. The league has been talking about boosting offense for over two decades literally but they never actually do it. This year, the decided theyd tweak the goaltending equipment. Then, whoops, they didnt make the adjustments in time, so nothing changed. Thats just how things go in the NHL.
But I think this year could be different. Maybe its wishful thinking, but todays NHL is packed with exciting young talent like we havent seen in a generation. Surely now is the time to let them shine. Surely now is when well finally get some forward thinking from a league addicted to its past. Surely we cant do three straight decades of plunging scoring rates while the powers that be twiddle their thumbs and wonder why ratings are down.
Or maybe we can. But you asked for something bold. In the NHL, sadly, this qualifies. SM
The Los Angeles Lakers will make the NBA playoffs
I can hear you rolling your eyes through the computer. Real cute, but these predictions are supposed to be bold, right? The Lakers are currently only two games out of the eighth seed in the Western Conference. Granted, they are also only three games ahead of the cellar-dwelling Phoenix Suns, but that just goes to show you how mushy and undefined the bottom of the West is right now. Anyone could catch fire for a few weeks and find themselves volunteering to be demolished by the Warriors in four games this spring.
The Lakers were hovering around .500 before Thanksgiving, then lost 12 of 13 during a brutal road trip made worse by injuries to Julius Randle, DAngelo Russell, Nick Young, and Larry Nance Jr. A healthy Laker team still cant play much defense, but they can score against anybody, as wins over the Warriors, Thunder, Rockets, and a short-handed Clippers team proves. Most importantly, they have as good a chance as anyone in the West basement. The Kings, Pelicans, Mavericks, Timberwolves, and Blazers all have true superstars, but what the Lakers can offer is something close to the team cohesion that defines the elite squads in the NBA. This is still a rough unit that is dragging a few ridiculous contracts down the court each night, but they have as good as chance as anyone right now. DS
Read more: https://www.theguardian.com/sport/2017/jan/02/bold-sports-predictions-for-2017
The post Kobe returns and Tebow thrives: our bold sports predictions for 2017 appeared first on Hockey Elite Group.
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