The field is set.The Monster Energy NASCAR Cup Series Playoffs begin this weekend at Las Vegas Motor Speedway, and we know which 16 drivers will compete for the championship when the postseason opens at LVMS for the first time in series history.Two spots were up for grabs at Indianapolis Motor Speedway on Monday in the regular-season finale, with 10 drivers having locked in their spots already via wins and four clinched via points.MORE: Photos from Indy weekendThose outside the playoff picture entering Indianapolis were in a win-or-bust mode, and the upset victory didn’t materialize with Brad Keselowski winning at the Brickyard.Below is the 16-driver field with the official seeding and points.MORE: Keselowski wins at Indianapolis1. Kyle Busch: 2,050 points2. Kevin Harvick: 2,050 points3. Martin Truex Jr.: 2,035 points4. Brad Keselowski: 2,019 points5. Clint Bowyer: 2,015 points6. Joey Logano: 2014 points7. Kurt Busch: 2,014 points8. Chase Elliott: 2,008 points9. Ryan Blaney: 2,007 points10. Erik Jones: 2,005 points11. Austin Dillon: 2,005 points12. Kyle Larson: 2,005 points13. Denny Hamlin: 2,003 points14. Aric Almirola: 2,001 points15. Jimmie Johnson: 2,000 points16. Alex Bowman: 2,000 pointsRegular Season Champion: Kyle Busch clinched the honor at Indy, becoming the second driver to win the distinction since NASCAR moved to this playoffs format prior to the 2017 season. Last year’s Regular Season Champion, Martin Truex Jr., went on to win the championship in Miami. For Busch, in addition to winning the honor and receiving a trophy, he receives a crucial 15 playoff points to add to his total and carry over from round to round.Last In: Hendrick Motorsports teammates Jimmie Johnson and Alex Bowman entered Indianapolis on the good side of the playoff bubble, but not locked in. Both could breathe a sigh of relief when a first-time 2018 winner positioned below the cutoff line didn’t throw the field into disarray by winning.First Out: Ryan Newman finished the regular season in the top 16 of the driver standings, but he’s not in the 16-driver postseason field. That’s because Austin Dillon, who stood 18th in the standings after Indianapolis, won the Daytona 500 — and in this format, winning trumps all. Newman missed the playoffs this year after qualifying for the postseason in 2017. Ricky Stenhouse Jr., Jamie McMurray, Kasey Kahne and Matt Kenseth (part time in 2018) were the other playoff drivers who missed out this year.First-timers: Erik Jones, in his second full-time Monster Energy Series season, qualified for the series’ playoffs for the first time. He’s the only first-timer in the field, although Aric Almirola and Ryan Blaney qualified for the second time in their respective careers.
Mattituck-Laurel LibraryThe Mattituck-Laurel Library will screen “The Bookshop,” a PG-rated film set in England during the late 1950s when a woman decides to open a bookshop, on February 15 at 1:30 PM.The library will also sponsor the concert “Something Romantic with Mitch Kahn,” in which Kahn will sing covers of love songs by Cole Porter, Jacques Brel, Kurt Weill, Andrew Lloyd Webber, and other artists, on Sunday, February 17, at 2 PM.The library will present “I Shall Be Good Health to You: 1819-2019 Whitman Bicentennial Celebration” on Tuesday, February 19, at 11 AM. Jerry Matovcik will offer an overview of Walt Whitman’s life and poems. Register at the circulation desk.The library will also offer health insurance counseling on Tuesday, February 19, from 1:30 to 3 PM for seniors and other Medicare-eligible persons, sponsored by the Suffolk County Office for the Aging. Call the circulation desk for an appointment.The events and services are free. For more information, visit www.mattitucklaurellibrary.org or call 631-298-4134.Jamesport Farm BreweryJamesport Farm Brewery in Riverhead will host a “Pints, Flights, & Trivia Night” on Friday, February 15, at 6:30 p.m. Groups of three can sign up for the hour-long trivia night. Winners will be awarded prizes.Southold Historical SocietyThe Southold Historical Society will present “The Story of Long Beach Bar Lighthouse (Bug Light)” as part of the Winter Lecture Series on March 5 at 4 PM.A navigational tool for mariners around the hazardous sandbar located between Orient Harbor and Gardner’s Bay, the Bug Light welcomes mariners to the protected waters of Peconic Bay. Ted Webb, the chairman of Southold Town Historic Preservation Commission, will trace the history of the lighthouse from the 1870s to the present and also show the video “The Re-Building of Bug Light.”Webb is also the chairman of Brecknock Hall Foundation, secretary of the Peconic Landing Board of Trustees, and a narrator of the Offshore Lighthouse Cruises Cross Sound Ferry.“Ted Webb is an enthralling speaker,” Deanna Witte-Walker, the executive director of the Southold Historical Society, said. “He has a terrific way of sharing his extensive knowledge of local history as well as his personal experiences on the North Fork.”The talk will be held at the Peconic Landing Auditorium in Greenport. Call 631-765-5500 to RSVP. Admission is free.Suffolk County Historical SocietyThe Suffolk County Historical Society Museum will host will host “Book & Bottle: African Genealogy” with Sandi Brewster-Walker on Saturday, February 16, at 1 PM.Attendees can learn about African American family history research accompanied by resources for consolation. Light refreshments and admission to current exhibitions will be included. The event is free for members and $5 for non-members. To RSVP, call 631-727-2881, extension 100. The society is at 300 West Main Street in Riverhead.Compiled By Genevieve M. Kotz Share
When it comes to borrowing money, many loans offer benefits beyond simple financing. With that in mind, it’s important to understand how one type of loan may be right for making home improvements, while another may be a better match for financing a wedding. The key is to research the various types of loans, know what services they’re designed to provide and then choose the one that best fits your financial needs.Credit card, personal and home equity loans are all great options to help finance purchases and achieve financial goals. Here’s a rundown of how each type of loan works:Credit card – Many people don’t realize that credit cards are actually loans, and users can make those loans as short-term or long-term as they need. Some credit cards provide low- or no-interest, short-term financing as long as the monthly statement is paid in full and on time. Users also have the option to turn their credit card balance into a longer-term loan, which may result in higher interest rates. Some credit cards may also charge an annual fee. Credit card loans can be used for common household expenses like groceries, gas or even to make automated payments for items like a magazine subscription. And if the user’s credit limit is high enough, credit cards can be used to fund larger expenses like furniture or electronics.Personal loan – Having a balance on more than one credit card can be a burden, especially if the rates are high. To help manage their budget, many consumers opt to use a personal loan to consolidate their higher-interest loans. Using a personal loan to pay down debt may save borrowers on interest payments if the rate on the personal loan is lower than on the credit card. Additionally, personal loans can give people more control over the size and timing of monthly payments.Personal loans can be used to pay for major events or expenses, such as a wedding, a big trip or those unexpected life moments such as a child’s new braces or an emergency car repair. Additionally, approved borrowers can receive their money quickly.There are also online resources, such as financial calculators, that can help borrowers visualize what their finances will look like when taking on a personal loan. Discover Personal Loans offers online debt consolidation and personal loan calculators to provide consumers with an idea of the repayment time frame as well as what potential loans payments could be on a monthly basis.Home equity loan – Once a homeowner has earned equity in their home, she or he can use that as collateral to get a loan for large expenses. Many homeowners obtain a home equity loan to finance a very costly home repair or home renovation project. This allows them to use their equity to potentially help increase the home’s value, and may increase resale profits. Other uses for home equity loans include consolidating large debt or paying for major expenses like medical bills. Typically, home equity loans have a fixed interest rate, terms and monthly payments. Interest on a home equity loan may be 100 percent tax deductible. Borrowers should consult their tax advisor about any benefits a loan may bring.Loans can help borrowers regain control of their finances but are not “one size fits all.” Different types of loans should be used for different types of expenses. The key is for borrowers to consider the type of expense they are looking to fund, the available loans and lender offerings, and determine which type of loan is most suitable for them.