text:
It has been reported that the President wants to change the student loan program. One change that is being touted is that students are allowed to consolidate private and public student loans.
Well, this isn't a change. This is a long standing policy. I had both private (i.e. Sallie Mae) and USDE loans (Public). I consolidated them with the USDE in 2000. What they do is average out the interest rates on all your loans to get a new interest rate for your current loan. The benefit is that you make one payment to one lender at one interest rate. Usually this means a single lower monthly payment. Credit counselors have used this trick for years to help "restructure" the debt of their clients. This type of consolidation is not new nor does it represent a change to the current student loan systems.
Assuring that student loan payments don't exceed more than 10% of someone's disposable income doesn't represent much of a change either.The student loan program introduced an "income contingent" repayment plan back in the early 2000s. They take your pay stub and based your monthly student loan payment on your gross salary. The bad news here is that if your income is low, then your monthly payment under the income contingent program may not be enough to cover the interest that accumulates over the moth. Interest that is not paid is capitalized, meaning added to the principle of the loan. So there is a whole cycle there. Interest needs to amortized like they do with home mortgages to really be fair and help students pay down the loans. Building bigger principle is simply a desperate measure to alleviate today's pain. Income contingent re-payment only keeps people under the boot of debt longer.
I am not sure if the Obama Administration is being misunderstood by the media, or if it really is selling a load of crap to the "Occupy" crowd and the voters. I would hate to believe that the Obama Administration is that cynical.
Really the best deal for students and lenders is what I already proposed in my earlier post.
Friday, October 28, 2011
Obama's Proposals Don't Change Student Loans
It has been reported that the President wants to change the student loan program. One change that is being touted is that students are allowed to consolidate private and public student loans.
Posted by USWest at 2:36 PM
69 comments:
- Raised By Republicans said...
What about the 20 year limit? That if your loans aren't paid off in 20 years, they're forgiven. That would seem to be a massive change, especially in combination with the income based limits on monthly payments.
It's not. When I took my loans, they had that provision in there. Then, I think it was rescinded. Now it seems to be back. However, the devil is in the fine print.
Currently, if you work for the federal government, they will forgive you after 10 years. However, over that 10 year period, you have to make payments on the standard re-payment plan. Under this plan, you payments are calculated so that the loan would be paid off in 10 years. Any payments that you make that are less than what you'd pay on the standard plan don't count toward forgiveness.
Therefore, effectively, nothing is forgiven. So I am suspicious about 20 years and forgiveness. If this is true, then we should all pay back as little as possible for 20 years and look forward to forgiveness. I doubt very much that this will be the case. They will make sure to get their flesh.
In 2005 when I got married my husband was able to consolidate his private and federal loans. 3 years later in 2008 when I graduated from law school private and federal loans could no longer be consolidated. (I tried several times). I have 5 student loan payments that total over $2,000/month and a 10% cap of my monthly disposable income would be greatly beneficial! In addition, a 20 year forgiveness is not that unusual, the IRS has a 10 year statute of limitations on their tax liabilities and I see clients pay very little towards their tax liability (based on their monthly disposable income) and at the end of 10 years hundreds of thousands of dollars in tax dollars EXPIRE and the IRS simply wipes it from their record. Look it up.
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text: Stephanie says she loves dirty talk. She likes to laugh and wants a guy who can make her laugh all the time. Stephanie and her friends like to party and play with each other. She says she doesn't mind if they even end up putting on a show for the other party goers. She loves to wakeboard and snowboard.

subset: commoncrawl


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The Bridge (Paperback)
From Pulitzer Prize winner Doug Marlette comes the captivating story of Pick Cantrell, a successful newspaper cartoonist whose career has hit the skids. In the grip of a midlife meltdown, Pick returns with his wife and son to a small North Carolina town, where he confronts the ghosts of his past in the form of the family matriarch and his boyhood nemesis, Mama Lucy. What follows is an extraordinary story within a story, as Pick uncovers startling truths about himself and about the role his grandmother played in the tragic General Textile Strike Of 1934
A novel about family, love, and forgiveness, The Bridge explores how much we ever really know about others, and most important, about ourselves.
About the Author
Doug Marlette is a Pulitzer Prize-winning editorial cartoonist. He lives in North Carolina with his wife and son. The Bridge is his first novel.
Praise For…
Marlette is one of the best new writers Ive read in a long time....[The Bridge] is absolutely compelling.
— ELLE Magazine (Reader's Prize)
"Marlette masterfully evokes the fierce familial bonds that can either devastate or liberate the human spirit."
— --Booklist
"The fiction debut of a gifted and perceptive artist....Engaging."
— Publishers Weekly
"Impressive...Engaging...[Marlette] is a talented novelist."
— Raleigh News & Observer
"Marlette's prose has a straightforward immediacy."
— New York Times Book Review
"The Bridge [is] a well-written, engrossing tale....An impressive debut and powerful read."
— Charlotte Observer
"..one of the best novels to come out of the South in recent years."
— Rhett Jackson, THE HAPPY BOOKSELLER (for Book Sense 76)
The Bridge [is] a great story--exuberant, proud, myth-challenging. A hugely ambitious novel.
— Valerie Sayers, The Washington Post Book World
"[The Bridge]...contains just the right mix of humor and dignity. Recommended."
— Library Journal
"An exceptional first novel from a multi-talented author: gripping, exciting, moving, challenging, illuminating."
— --Jay Hollenberger, Crossroads Market Bookstore, Houston, TX
"Marlette's fiction is as searing and brilliant as his visual art. The Bridge is an exceptional, eloquent book."
— St. Petersburg Times


text:
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A big hug!
Hello gorgeous,
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A big hug!
I'm writing to congratulate you. If you're reading this right now, you're alive, you haven't quit, you haven't given up. You are such a strong person. Many of you come here to look at the pretty pictures or skim through the quotes or learn something interesting. But others come here seeking answers, wanting to feel less alone, wishing to find comfort and hope. The latter, I really do congratulate you (of course I congratulate the former as well, but the latter gets a bit more of a special congrats). Wether I have helped in your being alive and reading this right now or not, I am happy you are here, the world would be less without you. I wish I could be next to you this very moment, hugging you, making you laugh, tickling you… anything.
Throughout the years her0in chic has received many thankful messages. You each know who you are, and I just want to say that I should be the one thanking you. When you were expressing your gratitude towards me with your beautiful and heartfelt words, I was getting the motivation to not give up on my own life and on my own deals. I may have helped you survive or change in some way, but you helped me, too. I wish this is what they meant when they say 'an eye for an eye.'
I've also gained some wonderful friends, and even though I haven't revealed my identity to them, I feel like our bond is stronger than the one I've had with any of my real life friends. I think that this is the meaning of true friendship. You know who you are, too. And I hope we always keep in touch. I love you more than words can say.
I'm always there for anyone who needs me. I enjoy opening Facebook and reading all your messages, even if they're extremely long, they make me so happy. I read them and reply. And yes, I keep the secrets :). So whenever you need to vent, talk to someone, ask for advice, you can write to me through e-mail [email@example.com].
You can follow me on Twitter, where I post many quotes in English, Spanish, Portuguese, Italian and French. Many of which I do not post on the blog, I'm sorry for that, and I promise in the future I'll try to post the same content on both places for those that don't have Twitter.
There's also the Facebook page, where I try to post daily motivational statuses and pictures. Some of which I also do not post on the blog. And you can also find the her0inchic challenge there.
I love each and every one of you that press like, that write comments, that write wall posts, that retweet, that send me messages, everything. I really do, and I am constantly wishing you the best and sending you good vibrations.
I will always be here for you. I love you.
I am touching my screen as I write this. I am thinking of you as I write this. I am picturing you smiling and laughing as I write this. I am wishing you peace as I write this. I send you love.
As you read this.
|Jim Morrison
Yes, I was infatuated with you: I am still. No one has ever heightened such a keen capacity of physical sensation in me. I cut you out because I couldn't stand being a passing fancy. Before I give my body, I must give my thoughts, my mind, my dreams. And you weren't having any of those.
My heart stopped. It just stopped beating. And for the first time in my life, I had that feeling. You know, like the world is moving all around you, all beneath you, all inside you, and you're floating. Floating in midair. And the only thing keeping you from drifting away is the other person's eyes. They're connected to yours by some invisible physical force, and they hold you fast while the rest of the world swirls and twirls and falls completely away.
I've never understood why looking hot had to be equated with sex and conquest. Whatever happened to anticipation, to courtship, to true love? Can't a person look hot and not have it mean something? Call me an old-fashioned Naomi bitch, but I'm holding out for true love. Even if it's an unattainable fantasy
I am proud that I defy your categories. I am proud that I don't fit easily into any box. I am proud of all the things I am and all the things i can be. Question yourself every time you think you only see one thing in me.
people moving all the time
inside a perfectly straight line
don't you want to curve away?
when it's such, it's such a perfect day
~ coldplay ~
Good evening, World.
Allow me first to apologize for this interruption. I do, like many of you, appreciate the comforts of every day routine- the security of the familiar, the tranquility of repetition. I enjoy them as much as any bloke. But in the spirit of commemoration, thereby those important events of the past usually associated with someone's death or the end of some awful bloody struggle, a celebration of a nice holiday, I thought we could mark this November the 5th, a day that is sadly no longer remembered, by taking some time out of our daily lives to sit down and have a little chat.
There are of course those who do not want us to speak. I suspect even now, orders are being shouted into telephones, and men with guns will soon be on their way. Why? Because while the truncheon may be used in lieu of conversation, words will always retain their power. Words offer the means to meaning, and for those who will listen, the enunciation of truth. And the truth is, there is something terribly wrong with this world, isn't there?
Cruelty and injustice, intolerance and oppression. And where once you had the freedom to object, to think and speak as you saw fit, you now have censors and systems of surveillance coercing your conformity and soliciting your submission. How did this happen? Who's to blame? Well certainly there are those more responsible than others, and they will be held accountable, but again truth be told, if you're looking for the guilty, you need only look into a mirror.
I know why you did it. I know you were afraid. Who wouldn't be? War, terror, disease. There were a myriad of problems which conspired to corrupt your reason and rob you of your common sense. Fear got the best of you, and in your panic you turned to your rulers. They promised you order, they promised you peace, and all they demanded in return was your silent, obedient consent.
I seek to end that silence. I want to remind this world of what it has forgotten. More than four hundred years ago a great citizen wished to embed the fifth of November forever in our memory. His hope was to remind the world that fairness, justice, and freedom are more than words, they are perspectives. So if you've seen nothing, if the crimes of the governments remain unknown to you then I would suggest you allow the fifth of November to pass unmarked. But if you see what I see, if you feel as I feel, and if you would seek as I seek, then I ask you to stand beside me, educate yourselves and educate others, fight for your rights, and together we shall give them not only a fifth of November, but years that shall never, ever be forgot.
Life is a moment. There is no hereafter. So make it burn always with the hardest flame.
"There are so many things we've been brought up to believe that it takes you an awfully long time to realize that they aren't you."
|Edward Gorey
So Kim Kardashian is getting a divorce, 72 days after a wedding that is variously reported to have cost $10 million or more. Just to put that in perspective, that sum could have built 200 schools in poor countries around the world for kids who desperately want an education. Then Kardashian could have helped transform the world, not just entertain it. And the schools would have lasted incomparably longer than her marriage. – Nicholas D. Kristof, New York Times columnist and journalist
You may say that I'm a dreamer
But I'm not the only one
I hope someday you'll join us
And the world will live as one
Flight of the Frenchies – an amazing must-see-video documenting the explorations of a few brave individuals as they base jump and tight rope walk in the most incredible locations.
A happy ending to the sad story of Lily, the sightless six-year-old Great Dane, and her guide dog Maddison, who had been handed over to a dog shelter in Roden, Shropshire, this July by owners who could no longer care for them.
Dogs Trust Shrewsbury announced yesterday that it has successfully rehomed the two dogs after fielding some 400 calls from potential caregivers. Anne and Len Williams of Nantwich, Cheshire, won out after converting their garage into a giant dog house for Lily and her companion.
Score 1 for the 99: Backlash from consumers has forced Bank of America to ditch its plan to charge a $5 monthly fee on debit card usage.
"We have listened to our customers very closely over the last few weeks," said Bank of America Co-Chief Operating Officer David Darnell, "and recognize their concern with our proposed debit usage fee."
BoA's shares dropped 6 percent in the wake of the announcement. Several banks recently decided to scrap similar test programs, while others canceled existing fees.
"It's a sign of consumer power in action," Norma Garcia of Consumers Union was quoted as saying. "This is a sign of the marketplace working."
As much as I have boycotted showing models in my website for a long time,
I just had to share this photo shoot.
Adam Levine and his girlfriend, Victoria's Secret model Anne V, are too hot.
I don't understand what happened to his torso in one of the pictures, though…
But apart from the terrible editing job the Photoshoppers did for Russian Vogue,
these pictures are so sexy.
We are in the midst of a painkiller epidemic. A new CDC report found that more Americans die every year from overdosing on prescription pain pills, such as Vicodin and OxyContin, than die from heroin & cocaine combined.
The Centers for Disease Control and Prevention said yesterday that the number of prescription drug deaths, about 40 a day, has more than tripled over the past decade.
"We are in the midst of an epidemic of prescription narcotic overdose," Dr. Thomas Frieden, director of the CDC, said yesterday during a telebriefing.
The most recent statistics, from 2008, show 36,450 drug overdose deaths. Of those, 20,044 were from prescription drugs, and 14,800 of those were narcotic painkillers — nearly four times the painkiller death toll of 4,000 in 1999.
Superagent Ari Emanuel never told his wife Sarah that he was about to be immortalized in "Entourage" by Jeremy Piven — playing Ari Gold — because "I didn't think the show would go anywhere," he told the crowd at a recent visit to PepsiCo headquarters in Purchase, N.Y.
The William Morris Endeavor agency CEO confessed his pessimism for the show's prospects even though "Entourage" was based on and co-created by his client, Mark Wahlberg. The HBO hit ran for eight seasons and is now headed for the big screen.
Sarah eventually learned about Ari Gold and his wife, Melissa, played by Perrey Reeves, from her girlfriends. "He said Ari Gold's personality was based on him, but the show's not a real depiction of his marriage," our tipster added.
Facebook Is Serious Business: Detectives in Des Moines arrested a 30-year-old woman suspected of setting fire to the house of a long-time friend because she recently de-friended her on Facebook.
Jennifer Christine Harris was charged with first-degree arson and is currently being held in the Polk County Jail. No one was injured in the blaze, but the family's garage was destroyed.
According to home owner Jim Rasmussen, Harris and his wife Nikki recently had a falling out "because she ended their friendship on Facebook." It seems the source of the conflict involves a party event that Nikki created on Jen's behalf that received "a lot of 'declines'."
When asked to name a person who might seek to harm, Rasmussen offered Jen's name. A subsequent police investigation strengthened suspicion of her involvement.
New Video: Big Sean ft Nicki Minaj – A$$


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DEFCON has an integrated registration system that allows you to easily purchase the product through the Ambrosia website. Simply launch DEFCON and click on the Continue button in the Register notice to get to the Purchase a Copy page. If DEFCON is already running, go to the DEFCON menu and select Register DEFCON. Then click the Continue button once to get to the Purchase a Copy page.
Click on the Purchase Now! button and you will be taken to the secure Ambrosia online store. Then follow the easy, step-by-step instructions from there. You will receive a license code by email as soon as the transaction has been completed. If no email address is provided the license code will be sent by post card.
Ambrosia Software, Inc. also has a toll free order line that is available from 9AM - 5PM Monday through Friday EST. Please have your Visa, Mastercard, Discover, JCB or American Express credit card handy. Please note that this is an order-only line. They will not be able to answer any technical support questions. Inside the US and Canada, please call: 800.231.1816. Outside of the US and Canada, or for technical support, please call 585.325.1910.
You can also mail your registration information, including User ID, the product being registered, mailing address, and an email address if you have one, to:
Ambrosia Software, Inc.
PO Box 23140
Rochester NY 14692
Once we've processed your registration we'll send the license code to you by email if an address is provided or by post card if not.
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Recently I was brought in to help troubleshoot performance issues on a database server. Going through my typical check list I noticed memory pressure on the box and made the recommendationof more memory which was simple to fix. What caught my attention though was that blocking was occurring on a transaction that was trying to do a simple delete of a few records.
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Maui Vacation
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Joined: 12 Dec 1999
Posts: 18825
Posted: Wed Jul 19, 2006 6:49 pm
Post subject: RE: Maui Vacation
OK: I agree. Ive stayed in Kihei several times, in places ranging from commercial concrete condos to very nice private wooden homes. Love it . . . as long as I have AC. Walk to breakfast, shopping, Star Market in your bare feet. Rig on your own grass and launch 50 feet from your kitchen, sail for hours alone, leave your gear rigged overnight, and hope the same sail works again the next day . . . or drive across the island for lighter wind and crowds that make the Hatchery on the 4th of July look downright deserted. Maybe half the time you HAVE to make the drive because Kiheis not blowing or because the two sails you rented are too big or to small. My favorite restaurant on Maui, besides Haile Maile upcountry, is in Kihei: Erics Seafood. I never met a bite I didnt love there.
Mike \m/
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Joined: 26 Jun 2002
Posts: 128
Location: Berkeley
Posted: Wed Jul 19, 2006 6:49 pm
Post subject: RE: Maui Vacation
Maui is all about staying in Haiku. The north shore is what its all about. Haiku is nice and quiet and you get the Hawaiiana feeling, Kihei is the Orange county of Maui. My last trip there was in April, sailed at Kanaha every afternoon of the trip. All of the rental shops are great, the sailing is awesome, the weather is great. Ah I love Maui. Have fun.
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Joined: 24 Sep 1996
Posts: 2790
Location: oahu
Posted: Wed Jul 19, 2006 8:14 pm
Post subject: RE: Maui Vacation
Yeah bring lots of thin t-shirts.
The heat can be annoyingly difficult at times, but it does depend a lot on where the lodging is, how its constructed, and the type of cooling they have. Many local style accomodations do not have AC, and rely on fans.
The tradewinds do keep things pretty reasonable, but when they stop, even the hard cores that live here sweat it out...like right now !!
I do have AC in the house, but dont use it much, ample fans whirling away do a pretty good job keeping me from meltdown. However I am thinking of switching on the AC in a bit to knock the temp down a few degs.
Didnt Michelle Wie just have a case of heat stroke ?
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Joined: 25 Feb 1997
Posts: 2647
Location: SF bay area
Posted: Thu Jul 20, 2006 10:59 am
Post subject: RE: Maui Vacation
Wow! all the pertinacious viewpoints of Maui. Maui does have many styles that will suit most people. Except maybe Mike who should concider Iceland :>) (seriously dude, I hear its windy there).
Personally, we like Kihei. My non-w.s.ing wife just loves it. (fyi, we rarely use the a/c either). It does have a more suburban feel than Haiku, but we like it that way and it still has island style too. Sailing is much better than most of the local shop employees think, it just usually comes up later than north side. If youre going in the winter, Kihei is often better than the north side. December weather is quite pleasant, weve been going late Dec for years. Comparing Kihei to Orange county is a huge streach. Obviously he hasnt been on the I405 to Orange receintly and he didnt visit the beaches at Kihei/Wailea either.
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Joined: 12 Dec 1999
Posts: 18825
Posted: Thu Jul 20, 2006 12:24 pm
Post subject: RE: Maui Vacation
NOW you have my attention! A few clicks show SERIOUS summertime winds -- right off the North Pole. Who rents gear in Reykjavik?
And I agree -- Kihei has better summertime sailing than MANY locals, shops, or tourists realize. Ive encountered stronger midsummer wind off Kihei than Ive ever found off Kanaha-Sprecks in April, July, August, Oct, or Dec, and sailing for days at a time on a 4.2 with NO OTHER WINDSURFERS IN SIGHT is a Maui treat often worth its smaller swell.
My problem is that Mauis windy season coincides roughly with my local season, and its tough to Leave Wind To Find Wind.
Mike \m/
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Joined: 09 May 1998
Posts: 124
Location: SF Bay Area
Posted: Thu Jul 20, 2006 12:57 pm
Post subject: RE: Maui Vacation
Is the weather significantly different from Kauai. Have been there three times (two of which in the summer) and it was not an issue... and I hate the heat having lived in Walnut Creek for an ungodly four years (granted, zero humity there).
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Joined: 10 May 1998
Posts: 234
Posted: Thu Jul 20, 2006 6:31 pm
Post subject: RE: Maui Vacation
Good recommendation for matching th efamily needs, but Napili to windsurfing is quite a long trek. A 45 minute drive sounds optimistic, and traffic can be bad through that area (passing Lahiana). I suspect the length of teh drive will severely limit your ability to sail as it will be family or sailing - not both.
We have the same situation - I sail, wife and kids do not. We stay in Kihei as you can sail Kihei, Kanaha is 20 minutes away, and the condos have the family setting. I get in a 2 hour session, and am back in 3 hours total so we can do family things as well.
With that said - many places in Kihei are more resort like where Napili has the 2 story condos.
We keep a number of Maui articles and photos online at
- that will give a feel for one of the options there...
Feel free to contact me direct through the site if looking for other Maui info.
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Joined: 12 Dec 1999
Posts: 18825
Posted: Thu Jul 20, 2006 6:51 pm
Post subject: RE: Maui Vacation
The summer ocean temp out there (i.e., the central tropic Pacific) is about 78 degrees. That pretty much guarantees the shoreline air temps cannot go much below 78, and solar heating promises higher temps 78 most of the summer.
The ocean there is also wet. That pretty much guarantees fairly high humidities except maybe on the lee (S-SW) sides of the mountains (e.g., Kihei).
Moist air (ocean . . . remember?) climbing mountains sheds its excess humidity in the form of rain or fog at 100% humidity (e.g., the east sides of those same mountains). Think upcountry.
The rest, and the exceptions, are localized nuances. Its the tropics, and its summer; its going to feel hot and humid unless you live in Houston, Savanna, Tallahassee, Corpus Christi, etc. wihout air conditioning, in which case you wont care. Just accept that fact that it will be hot, chalk it up to the price of tropical winds, dress for it, and enjoy sailing in just board shorts, which I cant do in the gorge or even New Mexico.
Those who say It cools off at night also say It cools off in the winter. I dont know about Jan & Feb, but I surely didnt notice much sea level temperature difference between August and December. Both times, same Kihei lodging, I got sweaty walking 200 feet to the grocery store every day at 7:AM wearing just board shorts and a watch.
But, then, I know people who like living in Phoenix or Florida -- the eastern 2/3 of the
U.S., for that matter.
To each his own. Heck, I put up with the gorges hot spells to live here . . . but I also have AC available.
Mike \m/
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Joined: 24 Sep 1996
Posts: 2790
Location: oahu
Posted: Thu Jul 20, 2006 11:20 pm
Post subject: RE: Maui Vacation
yes Haiku, Kuau, and the surrounding areas are very nice and country-ish.
yet I wouldnt drop Kihei down so far...Ive lived in Orange Co (Tustin) and stayed in Kihei a few times. Kihei is *way* better than OC !!
I did enjoy staying in Kihei, and the sailing can be fun..albeit gusty and sideoff frequently. Although usually uncrowded, except when Kanaha is light, then they all flock to Kihei.
You have more choices of restaurants and stores on the kihei side. But it can be a bit much...
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Joined: 24 Sep 1996
Posts: 2790
Location: oahu
Posted: Thu Jul 20, 2006 11:22 pm
Post subject: RE: Maui Vacation
it does cool down in the winter ! I swear it does !! I even have to drag out a light jacket at times. The ocean temp feels colder too..esp when the North winds blow. BRRRR !! I know you are laughing...but its true.
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Posts Taggedsoulver
The ever-present-ness of your iPhone makes it the ideal device for doing impromptu math. Chances are, you just use the built-in calculator for price calculations, etc. But there's a much better—and more elegant—app for that: Soulver.
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Flames survive, beat Jets in shootoutby Patrick Williams
WINNIPEG – The Calgary Flames and goaltender Reto Berra needed a rebound game Monday night against the Winnipeg Jets, and they got just that in a 5-4 shootout win at MTS Centre.
Flames coach Bob Hartley elected to start Berra again after a rocky outing Saturday against the Edmonton Oilers. The Jets poured 34 shots on Berra through the first two periods, while limiting Calgary to 15 shots. But Berra finished with 43 saves and the Flames survived losing four leads before Sean Monahan won the game in the eighth round of the shootout. The Flames snapped a six-game winless streak.
Calgary (7-11-3) was clinging to a 4-3 game over the final three minutes before Winnipeg center Bryan Little broke the Flames for the fourth time with his team-leading 12th goal with 5.6 seconds left in regulation. Little broke free of the Calgary defense, found the rebound of an Evander Kane shot and fired it into the net before Berra could scramble into position.
"We stuck with it," Flames forward Lee Stempniak said. "We desperately needed this win. It's heart-breaking to give up a [tying] goal with [5.6] seconds left to tie it, but we got through it and had some chances in overtime."
The Flames allowed a 2-0 third-period lead to disintegrate into a 4-2 loss at home against the Oilers and arrived in Winnipeg a struggling group. During its six-game winless streak, five of the losses came in regulation, and the Flames owned one win in their past nine games leading into the team's first-ever visit to MTS Centre. But they found a way to get two points Monday in a playoff-type atmosphere.
"If that was not exciting for [the fans], it sure was for me," Hartley said. "We made it interesting. We made it tough on us, but at the end, we found a way to win.
"I like those guys," Hartley said of his team, "because they're working. We're not perfect, but there is not a day that they're not trying. Some days are tougher than others, some days are better than others, but I can count on those guys. They want to learn, they want to get better and they're certainly very proud of wearing the flaming C."
Berra, who earned Calgary's previous win on the road back on Nov. 3 against the Chicago Blackhawks, won his second NHL game and survived a second period in which he faced 23 Winnipeg shots.
"I rarely [have seen] a goalie give up four goals, [yet] play that well," Hartley said of Berra. "He's really learning quickly."
Berra admitted that he felt pressure during the lengthy shootout to pull out a win for a team needing some good fortune.
"We needed to win so badly," Berra said.
Calgary used second-period goals from Mike Cammalleri and T.J. Brodie to offset a goal sandwiched in between from Winnipeg's Michael Frolik. Former Flames forward Olli Jokinen tied the game at 2-2 eight minutes into the third period.
The Flames' Lance Bouma built a 3-2 lead with a shorthanded goal halfway through the third period before Dustin Byfuglien erased Calgary's third lead of the night with 7:50 left. Jiri Hudler seemingly had put away the Jets with 3:26 remaining when he positioned himself along the boards outside of the right circle and took a feed from Brodie before ripping a shot that beat Jets goaltender Al Montoya high on his seventh goal of the season.
"If you score four goals," Jokinen said, "you should be able to win. That's the bottom line. We gave them too many chances. We didn't play poorly, but we didn't play good enough. We're lucky we got a point."
Montoya made his first start for the Jets since Nov. 6, lending No. 1 goaltender Ondrej Pavelec a break. Montoya made 29 saves.
Winnipeg (10-10-3) needs to begin making up ground in the Western Conference standings. The Jets began the game sitting six points below the line to qualify for the Stanley Cup Playoffs.
"We'll take the one [point]," Jets coach Claude Noel said. "It's not ideal, but that's what we'll take."
The Jets had won four straight games before the Minnesota Wild beat them 2-1 Sunday. Winnipeg is playing a three-game homestand this week before embarking on a six-game road trip through much of the Eastern Conference that will keep the Jets on the road for two weeks.
Cammalleri broke through for the Flames midway through the second. Winnipeg's Grant Clitsome took a penalty behind the play that set up the Jets' second power play. The Flames needed 18 seconds on the man-advantage to strike. Cammalleri set up to Montoya's left and swatted his team-leading ninth goal at 9:01.
However, Frolik's fifth goal of the season answered Cammalleri's goal 2:10 later. Frolik scooped up the rebound of Clitsome's point shot at the left of the net and slammed his fifth goal past Berra that tied the game 1-1.
Brodie took back Calgary's one-goal lead when he lofted a long shot from the right point late in the second period that clipped Byfuglien in front of the net and eluded Montoya at 15:24, his second goal of the season.
Jokinen used his fourth goal of the season in the third period to erase Calgary's second lead of the game. Devin Setoguchi dished off a pass inside the Calgary blue line and Jokinen wheeled to the left boards and floated a shot past three Calgary defenders that climbed over Berra's shoulder at 8:16.
"I wasn't settled all night," Noel admitted. "I was uneasy all night. There was no point that I was comfortable, just because of the way we were thinking and playing."
Chris Butler's tripping penalty halfway through the third period sent the Jets on their third power play of the game. But Bouma and the Flames 28th-ranked penalty kill gave Calgary its third go-ahead goal of the game with 11:17 to go in the third period. Matt Stajan carried the puck over the Winnipeg blue line before Bouma took the puck and beat Montoya.
After a 1-for-47 slide on the power play, the Jets are now 3-for-9 in their past three games.
Calgary's lead survived 53 seconds, however. On the same power play, Byfuglien slipped into the slot and punched a loose puck under Berra at 12:10. After going his first 18 games without a goal, Byfuglien has five goals and three assists over his past five outings.