Friday, October 16, 2009

Betting the Pass Line (Last Week: 4-1 Season: 14-11)

Giants at Saints (-3)
An exquisite contest. Drew Brees and Eli Manning amass three touchdowns. Reggie Bush and Ahmad Bradshaw record scores. In the fourth quarter, the Saints survive.

Ravens at Vikings (-3)
In their initial three contests, the Ravens defeated the Chiefs, Chargers, and Browns. In their previous contests, the Patriots and Bengals defeated the Ravens. Favor the Vikings.

Cardinals (+3) at Seahawks
In 2008, the Cardinals won the NFC Championship. The Seahawks were 4-12. Why would they exchange statuses?

Bears at Falcons (-3)
Last season, the Falcons defeated the Chicago Bears 22-20. On Sunday, history will reoccur.

Broncos (-3) at Chargers
Preseason, the Chargers expectations were enormous. The Broncos expectations were non existent. The realities are reversed.

Betting the Pass Line (Last Week: 1-4 Season: 16-14)

Oklahoma (+3 ½) at Texas
From 2000-2004, Oklahoma won five contests. Since 2005, Texas has won three of four contests. Eventually, Bob Stoops must win another elite contest.

Iowa (-2 ½) at Wisconsin
In 1985, the Iowa Hawkeyes commenced 7-0. In 2009, history will reoccur.

USC at Notre Dame (+10)
Since 2005, USC has outscored Notre Dame 154-58. On Saturday, the Fighting Irish reestablish their prestige.

Virginia Tech (-3) at Georgia Tech
In four seasons, Georgia Tech and Virginia Tech have exchanged victories. In this contest, Virginia Tech concludes the swapping.

South Carolina (+17) at Alabama
Versus Steve Spurrier, Nick Saban has lost consecutive contests. South Carolina will not win. However, they will compete.

Yahoo Finance: Seven Self-Inflicted Financial Setbacks

A recent study found that showerheads are apparently a nightclub of sorts for bacteria -- a warm, dark haven to party and multiply. An analysis of 50 showerheads from nine U.S. cities found about 30 percent contained high levels of a strain of bacteria that can cause lung infections when inhaled or swallowed. The levels were 100 times higher in showerheads than in typical household water, the researchers found.

This means your everyday routine may involve luxuriating in a cascade of germs. Aside from pondering the prospects of companies that manufacture showerheads, the report made me wonder: What dark corruption might be lurking behind your daily money routines, imperiling your road to wealth? What every day activities may be threatening your financial health? Here are seven:

1. Tossing out the "junk mail" from your credit card company.
The Credit Card Holders Bill of Rights Act goes into full effect in February. Ahead of that deadline, companies are changing the terms of customer agreements. For example, the new law prohibits raising the interest rate on existing balances unless a customer pays more than 60 days late. To skirt that provision, firms are notifying customers that their cards are now "variable rate." (Translation: We can jack up your rate whenever we please.) So watch those benign notices, and be ready to call and demand a fixed-rate card or take your business elsewhere. Amid these tactics, a new bill calls for moving up the deadline on the credit card law to Dec. 1.

2. Using a debit card without writing down the transactions in your account register.
Debit cards are expected to account for 60 percent of transactions this year, but debit-card users tend to lose track of their money: Swiping plastic triggers 44 percent of overdraft fees, while paper checks account for just 27 percent. A new report finds 50 million Americans overdrew their accounts at least once in a 12-month period, and 27 million incurred five or more overdraft fees. At an average of $34 a pop, that's a lot of beans -- literally. By one account, Americans spend about the same amount on overdraft fees as they do on fresh vegetables. Why write down debit spending? Because swiping a card doesn't feel the same as laying out cash. The discipline of recording the transaction may reduce mindless spending and makes money easier to track. Simplify your money trail by using online bill pay for all your regular monthly bills, rather than having money withdrawn from your account by outside companies. Then take 30 seconds a day to log on to your account, add the pending transactions in bill pay to the outstanding checks and debits listed in your register that haven't cleared yet. Subtract from the current balance. If the result is nearing zero, add money to the account. Voila -- no overdrafts, no fees.

3. Ignoring new bank charges.
You may have noticed banks are a bit desperate these days to make a buck. One of the more recent innovations is dinging customers who make electronic transfers to an external account. Example: In the last year, Wachovia started charging customers $3 per transfer to an outside bank. Let's say you automatically stash $100 a week into a savings account at an online bank offering 1.8 percent interest (the current top rate). Smart move. Except Wachovia will now ding you for 3 percent of that weekly deposit. Annual cost? $156. Meanwhile, Wachovia doesn't offer any savings accounts that compete with a 1.8 percent rate (except Way to Save, which severely restricts the amount you can deposit). Solution: Find a local bank or credit union with no transfer fees, so you're free to access higher returns.

4. Investing time in the wrong things.
Maybe you're someone who will drive 20 minutes to a store on your lunch hour to get $5 off a $20 sweater. Or you'll spend 45 minutes on the phone protesting a $3 error on the cable bill. But when you start a new job, you procrastinate for two years before joining the 401(k) plan or leave your contribution languishing in a money-market account. Make a weekly to-do list of your financial decisions (savings and spending) and then prioritize them in terms of bang-for-the-buck over time. When you do the math, you'll see why paying off credit cards in full and contributing to a retirement plan that offers a match should be at the top of the list.

5. Spending with no goals to guide you.
One definition of insanity, attributed to Albert Einstein, is doing the same thing over and over again and expecting different results. Yet that's how some people approach their finances. They earn and spend and earn and spend, and wonder why they aren't making any progress. Break the mindless cycle by figuring out what you value most, whether it's world travel, returning to school to change careers, home ownership, a peaceful retirement or a debt-free college education for the kids. Then set specific goals, with real time frames, and track your advancement on a monthly basis. Make this a daily discipline by putting a list of those goals in your face -- the fridge, your desk at work, your wallet.

6. Failing to track spending.
You can't succeed at No. 5 if you don't know precisely where your money is going. When I first started working, I carried a pencil and paper around and wrote everything down. Today, there are numerous desktop software applications and Web sites that will aggregate your finances and track your spending and savings. You can pay upfront for software. Choose an online program that's free, but supported by sponsored ads and offers you'll see when you log in (and the service may sell your data). Or you can pay a monthly fee for a site with no outside ads or offers. Check out this recent list of budgeting tools at the blog Get Rich Slowly.

7. Failing to exercise.
How can this hurt your finances? Daily physical activity lowers the risk of a multitude of ailments, from heart disease to diabetes to certain kinds of cancer, which are obviously expensive to treat, even for people who have health insurance. A Harvard study found medical bills are behind 60 percent of U.S. bankruptcies, and more than 75 percent of bankrupt families had health insurance at the onset of the illness. Meanwhile, a regular work-out might get you a raise. Studies have found exercise can improve your performance at work by boosting cognitive skills and productivity, and reducing stress and absenteeism. In the meantime, while you're thinking about health, consider changing the showerhead.

Thursday, October 15, 2009

Recession Reaffirmed

In 2010, Social Security will not increase cost of living. America’s economic crisis has not concluded.

Republicans Reiterate, Democrats Dismiss Guantanamo Importance

Representative Peter Hoekstra (R-MI): "The Obama Administration has avoided all transparency on the Gitmo issue with Congress, so Congress should avoid giving the administration any wiggle room to slip terrorist detainees into the United States."

Representative Jerry Lewis (R-CA): "Terrorists should not be treated like common criminals in federal court. These detainees are enemies of the state, and should be treated as such by being held and brought to justice right where they are -- in Guantanamo Bay."

Representative Baron Hill (D-IN): "I haven't had one person ask me about Guantanamo."

Representative Dan Maffai (D-NY): "It's a non-issue. Inside the beltway stuff. People care about jobs, the economy, health care."

Wednesday, October 14, 2009

Jones-Drew Discusses Ballroom Dancing, Offense, & Respect

Maurice Jones-Drew: “I don't like to be embarrassed, so I do get upset about it. You lead by actions. You can only say so much. You can talk to somebody until you're blue in the face and they're not going to do anything. But if you go out there and show why you're upset and you try to do something to correct your mistakes, then they'll pay attention.”

“We have to figure out a way to be consistent. The running game is like chess. The running game is your pawns. They don't really mean that much in the beginning, but at the end, they surround the king and it's check mate. That's what the running game is. We're not going to break 30-yard runs every play. You're going to get 2, 3 yards a pop. You might get a negative run, but [defenses are] going to respect the run game and that's going to open up the pass game and open up the run game later on, where you're going to be breaking 10-, 15-yard chunks.”

“It just seems like now if we don't get 30 yards [rushing], we just go away from it. I've never been a part of a team like that. I don't know what it is. We're still trying to figure out what our identity is right now. As soon as we figure that out, I'll gladly be able to let you guys know. That's a big issue. How can you get continuity, how can you get chemistry going on when guys are rotating in and out? That doesn't happen.”

“It's like ballroom dancing. You have to be able to move one way or another at the same time, fluently, otherwise you're going to step on her toes and she's going to step on yours. When your left tackle and left guard have been working together all week, and they're starting to get this chemistry buildup ... then you throw a guy in or you move a guy from here to here, you're throwing off something.”

“Respect is all you can gain now. It's all about the respect. It's not even about anything else. Do they respect us as an offense? That's the question. And right now, no one respects us. We just got blown out. We didn't put up no points. ... Who respects that? What do you think St. Louis is going to come in here and do? We have to go back and gain the respect of everybody in this league this week.”

Forbes: Hottest Halloween Costumes

Knock knock! Who's there? According to interviews with employees at retailers like Ricky's, Halloween Express, Halloween Adventure, Buy Costumes, and Disguise Costumes, as well as the National Retail Federation, these costumes are expected to be waiting on the other side of the door this year.

Bernie Madoff
Madoff masks are selling well at Spirit Halloween's New York Store. An added benefit to trick-or-treaters? Don a suit, and you've got a low-cost, ready-made costume.

Politicians
Obama's Nobel Peace Prize may be drawing criticism from some circles, but sales of his caricature masks are among the most robust at Spirit Halloween Costumes in New York City. Also popular: Michelle Obama and Sarah Palin.

Vampires
Dracula is out. Edward Cullen is in. The vampire from Stephenie Meyer's books and movies will definitely be roaming the neighborhood Halloween night. Also, the cult following for TV shows like True Blood and Vampire Diaries has brought out the fangs in many, according to the National Retail Federation's 2009

Star Trek/GI Joe/Transformers
"For young boys, summer movies are always popular," says Rachel Kuebbing, director of public relations at BuyCostumes.com. The sequel to the Transformers movie has sparked an interest in Optimus Prime and Bumblebee costumes. GI Joe and Star Trek, two franchises that have had enormous adult cult followings for years, are expected to draw younger fans who have recently been introduced to the remade movies.

Harry Potter
The franchise's popularity with both kids and adults has not waned, if Halloween sales of Harry's trademark glasses and Hermione's wig are any indication. The next movie — Harry Potter and the Deathly Hallows — is set to hit theaters next year.

Lady Gaga
Lady Gaga's two singles, "Just Dance" and "Poker Face," have become international hits, making her one of the world's best-selling artists. Her quirky style and avant-garde clothes are likely to show up on scores of trick-or-treaters this month. Platinum blond wigs, black lipstick and bedazzled sunglasses are among the best-selling accessories at Spirit Halloween in New York City.

Alice in Wonderland Characters
Tim Burton's anticipated film has costume seekers snatching up Queen of Hearts, Alice and Madhatter outfits.

A Comic For All Mediums

Captain Lou Albano
(1933-2009)

Monday, October 12, 2009

GAME BALLS (NFL Edition)

Miles Austin (WR – Cowboys): 10 receptions, 250 yards, 2 td
(Win: 26-20 at Chiefs)

Cedric Benson (RB – Bengals): 27 carries, 120 yards, 1 td
(Win: 17-14 at Ravens)

Jamal Lewis (RB – Browns): 31 carries, 117 yards
(Win: 6-3 at Bills)

Kyle Orton (WR – Broncos): 35/48, 330 yards, 2 td
(Win: 20-17 vs. Patriots)

Tony Romo (QB – Cowboys): 20/34, 351 yards, 2 td
(Win: 26-20 at Chiefs)

Matt Ryan (QB – Falcons): 22/32, 329 yards, 2 td
(Win: 45-10 at 49ers)

Kurt Warner (QB – Cardinals): 26/38, 302 yards, 2 td
(Win: 28-21 vs. Texans)

Roddy White (WR – Falcons): 8 receptions, 210 yards, 2 td
(Win: 45-10 at 49ers)

GAME BALLS (College Football Edition)

Freddie Barnes (WR – Bowling Green): 22 receptions, 278 yards, 3 td
(Win: 36-35 at Kent State)

Mark Ingram (RB – Alabama): 28 carries, 172 yards, 1 td
(Win: 22-3 at Mississippi)

Case Keenum (QB – Houston): 39/52, 434 yards, 4 td
(Win: 31-24 at Mississippi State)

Thaddeus Lewis (QB – Duke): 40/50, 459 yards, 5 td
(Win: 49-28 at North Carolina State)

Niles Paul (WR – Nebraska): 6 receptions, 102 yards, 2 td
(Win: 27-12 at Missouri)

Todd Reesing (QB – Kansas): 37/49, 442 yards, 4 td
(Win: 41-36 vs. Iowa State)

Jacquizz Rodgers (RB – Oregon State): 33 carries, 189 yards, 4 td
(Win: 38-28 vs. Stanford)

Tyler Sheehan (QB – Bowling Green): 44/36, 505 yards, 4 td
(Win: 36-35 at Kent State)

Steven Sheffield (QB – Texas Tech): 33/41, 490 yards, 7 td
(Win: 66-14 vs. Kansas State)

Riley Skinner (QB – Wake Forest): 24/33, 360 yards, 4 td
(Win: 42-32 vs. Maryland)

Michael Smith (RB – Arkansas): 18 carries, 145 yards, 1 td
(Win: 44-23 vs. Auburn)

Curtis Steele (RB – Memphis): 39 carries, 240 yards, 2 td
(Win: 35-20 vs. UTEP)

Fox News: Gumption Over Perception

When former President Jimmy Carter said racism was an underlying factor in attacks on President Obama, it's safe to say he had no intention of boosting Allen West's campaign for Congress in Florida's Broward County.

But according to West, a retired Army colonel who is running for the second time against Democratic Rep. Ron Klein in Florida's 22nd congressional district, that is exactly what has happened. "Since (Democrats) have thrown out the race card, it has made me more appealing," says West, one of a small but determined group of black Republicans running for seats in the U.S. Senate or House of Representatives in 2010.

Eager to overturn the "conventional wisdom" that the GOP is mainly a white bread party that offers few opportunities for minorities, these black Republicans believe they can attract increasingly agitated conservatives, as well as independents, to make 2010 their year.

They also conceded in interviews that the injection of race -- a familiar theme since Obama's election last year -- has given them a certain edge and authority when they speak out against the president's agenda. Because they're black, they say, they can lead the charge against Democratic policies without being called "racist." In fact, they say, their skin color may make them more attractive candidates.

"A lot of people who don't want to be part of Obama's policies are being called racist," West said. "Then they say, 'Hey, this guy, Colonel West -- he's black and I support him. It's made me more appealing because it shows the contrast of our principles -- how different we are even though we both have permanent tans."

Ryan Frazier, a 31-year-old councilman from Colorado, is running for U.S Senate against Democratic Sen. Michael Bennet. He, too, thinks his black skin will make it impossible to label him a racist because he opposes the president. "I don't think they will be able to use that argument against me or engage in those tactics against me -- I certainly don't hate myself," Frazier said.

Michael Williams, the four-term Texas railroad commissioner who plans to run for the U.S Senate seat being vacated by Republican Sen. Kay Bailey Hutchinson next year, says being black will help him, too. "One of the things it allows me to do, "it allows me to speak very, very frankly about what I believe, and what I feel, and nobody is going to call me a racist. " Williams said. "They may try and call me a sell-out ... but I've been doing this for 11 years and that certainly doesn't bother me anymore."

Williams wrote a strident response to Carter on his Web site last month, saying that "stigmatizing honest opposition as 'racist' appears to be a way of not answering legitimate questions about policy reform. I, for one, oppose the president's health care plan because it will explode the deficit, allow further government intrusion into the doctor-patient relationship, and continue to insulate healthcare consumers from the true cost of their care."

John Gizzi, political editor for the conservative Human Events magazine, said emerging "top tier" black Republicans like Williams and West "are the worst nightmare for Democrats," because "they will be the ones who can go toe-to-toe with Barack Obama and the media will pay attention. "The very fact that these candidates, who happen to be African-American, can address the issue (of health care) ... is very, very significant," Gizzi said. "People are going to listen because they will eliminate any racially incendiary issues that have entered into this debate."

Black Republicans have been trying for years to break onto the scene with notable, but minimal, success, Gizzi said. There have been four black U.S senators since Reconstruction. The first was Massachusetts Sen. Edward Brooke, a Republican, who served from 1967-1979. The other three were all Illinois Democrats -- Carol Mosely Braun (1993-1999), Obama (2005-2008) and Roland Burris, who replaced Obama last year.

In 1990, Gary Franks of Connecticut was elected to the U.S. House of Representatives -- the first black Republican elected to the House since1932. He served three terms before he was defeated in 1996. Since Franks, there has been only one black Republican in the House -- J.C. Watts of Oklahoma, who served from 1995 to 2003.

There have been some notable also-rans, most recently former NFL star Lynn Swann, who ran and lost against Democrat Ed Rendell for governor of Pennsylvania in 2006. At the same time, Republican Secretary of State Ken Blackwell ran and lost a bid for governor in Ohio. After losing his bid for U.S. Senate in 2006, former Maryland Lt. Gov. Michael Steele became the second black official to head a major political party when he was elected Republican National Committee chairman 10 months ago. The other black party chairman was Ron Brown, who headed the Democratic National Committee from 1989 to 1993.

The GOP still calls itself the "Party of Lincoln" because of its historical ties to the abolition of American slavery, and blacks remained loyal to the party after Reconstruction as Southern Democrats established segregationist Jim Crow laws. But the scene began to shift during the Depression, as blacks voted in large numbers for President Franklin Delano Roosevelt and his New Deal policies.

The Democrats cemented their lock on black voters in the 1960s when President Lyndon Johnson pushed his Great Society programs and, more importantly, the landmark Civil Rights Act of 1964 through Congress. Four years later, in 1968, Richard Nixon wooed disenchanted Southern Democrats to win the presidency, setting the GOP on its current course, demographically, with voters of color. "[Blacks] are the most reliable, monolithic voting component in the Democratic Party," Gizzi said.

It means candidates like Williams and West are rare, but it also gives them an appeal: they are running against stereotypes, with conservative ideas they insist should appeal to people of all colors. They believe blind faith in government has hurt the black community, and want to make that case plainly. "Our time will come," Williams said. "And when it does, the floodgates will open."

Frazier said he believes the current political climate favors a push toward diversification in the GOP. "I think it's reasonable to say the landscape is unfolding in such a way in which Republicans in general have an opportunity to gain the confidence of the people, and a big part of that is going to require the Republican Party to put forth new voices and different people," Frazier told FOXNews.com. "In order for Republicans ... to grow its ranks, it must reflect America. Race has nothing to do with it."

But at least one black Republican says race has everything to do with it, and he complains that the current crop of candidates are running "color blind.” And essentially ignoring their roots and writing off the black vote. "They are a total embarrassment," political consultant Raynard Jackson, a black Republican.

Jackson said there have been incidents in which the rhetoric among some Republican activists has gone too far, and that black Republicans would have been better served to say so. "They seem more intent about being accepted into the party than calling a spade a spade," he told FOXNews.com. He said black candidates do not put other blacks in positions of authority in their campaigns, nor do they spend time cultivating special relationships within the black community that might earn them fundraising dollars and valuable support down the road.

More importantly, he said, they do not craft their campaign rhetoric or platforms to reach out to black voters, and in their zeal to be "color blind," they likely miss out on some real opportunities to change minds and win votes in a "lost" community. "They are missing out on a golden opportunity, he said. "Messaging. That's marketing 101. If you don't recognize the color ... you will not be able to formulate a message to reach out to the different demographics."

But the candidates themselves disagree that they should make a central theme of their campaigns. They think their success relies on broad conservative appeal, not color appeal. "Our folks are saying they want a reliable conservative -- that happens to be what's catching on with me," Williams told FOXNews.com. "It just happens to be an added plus, me being an African-American."

West, who captured 45 percent of the vote in his Florida swing district in 2008, says his positions on the economy and national security are resonating with his constituents. "It has nothing to do with race," he said. "People don't care about your color, they care about your character."

Retired Army Col. Louis Huddleston, who is running for Congress against incumbent Rep. Larry Kissell, D-N.C., is blunt when talking about race. "My bona fides and my credibility ... have nothing to do with my race," he said. "It may be good for copy or for media sensationalism. But my success will not be based on race. "I don't function from that paradigm," he said. "Race is a benign characteristic. It is who you are and what motivates you that matters."

Frazier said he's not living in a bubble -- "I go anywhere, the NAACP as well as the tea parties." He is also sure that Carter's comments "did nothing to further race relations in this country."

"Does racism exist in this country? Sure. But I think the overwhelming majority of Americans who care about this country do not care about skin color," Frazier said. "My candidacy is based on solutions and beliefs I hold near and dear. It's not going to be about race, and when I oppose Obama, it is going to be purely because I believe his administration is headed the wrong way."

Sunday, October 11, 2009

Big Five & Hot Five

Line of the Morning


Senator Carl Levin (D-MI)

“I'm saying at this time, don't send more combat troops.”