Well Folks - The layoff was simply TOO LONG.
I logged in and saw I had received over 2,000 views
earlier this week and decided today was the day.
I logged in and saw I had received over 2,000 views
earlier this week and decided today was the day.
It's been exactly 9 months and I think it is time to deliver... 9 months... Deliver... No?
We're getting closer to the holiday season and I am guessing NOW is the time YOU want to start saving.
But first, a little trivia for you.
Can you tell me what this chart is?
Can you tell me what this chart is?
As you can see as time progresses along the x-axis, the y-axis slowly decreases. What could this be?
Give up?
It's the temperature the last month here in Ohio.
If you live in the northern hemisphere that should have been pretty easy.
Okay, so let me give you one that is a little more difficult.
These are the interest rates in Ohio over the last 30 days.
Having trouble reading that?
INTEREST RATES ARE DROPPING!
Yes, it's true, interest rates are dropping once again. They are edging back towards their historical lows so don't be the dummy that misses out again!
Be the smarty pants that takes advantage of Equitable's low to no closing costs, industry low rates, Platinum Level of Service and unmatched know how (even better than that NAPA company).
Did you know when you refinance you will skip at least one mortgage payment AND POSSIBLY TWO!!!
Let me put this is in savings terms (#'s are just examples):
You currently have a Principal and Interest Payment of $1,000.
You refi to a rate lower by .375% and now your P&I Payment is $950.
In 30 days - You save $1,000 by missing a mortgage payment.
In 60 days - You've saved $1,050 after you've made your 1st payment.
After you've made 1 years worth of payments, you've saved $1,600.
Refinancing around the holiday is a great cash flow solution, but remember consult your mortgage professional to make sure it truly makes sense.
If you're only saving some cents, there may be scents of a crappy deal in the air and you don't want to be incensed that because it didn't make sense you only saved a few cents.
FOR THOSE THAT DON'T OWN A HOME BUT STILL WANT TO SAVE MONEY!!!
I suggest taking advantage of a saying traced back to 1562,
The easiest way to save is to forget it's there.
1.) Set up an account with a bank that you don't previously have a relationship with, but is offering a free sign-up bonus.
b.) PNC - $300
c.) CitiBank - $400
***This income is taxable as interest it's such a small amount it is SO worth it ***
2.) Set up a direct deposit into a bank account that is not easily accessible.
This makes getting the money out so much more difficult that it isn't worth your time and forces you to save money.
3.) Cut up your debit card!
This will prevent you from taking money out of the ATM and you should be RESPONSIBLY using your credit card and earning those points anyways.
Now we've talked a little personal finance, we've talked a little mortgage talk the only thing left is sports. These are the picks I really like this week.
SHERMY'S SAFE SIX!
These are going to be the picks that I like the MOST this weekend with a SHORT analysis.
1.) SD (-7.5) @ OAK
SD is 5-0 ATS, OAK is 0-2 ATS at home. Brandon Oliver filled in for what looked like a depleted RB core and did great. The Raiders are 31st against the run, but 5th against the pass. They've played Geno Smith, Ryans (Tannehill and Fitzpatrick) and Mr. Brady being outscored by an average of 13 points (meaning teams weren't throwing in the 4th quarter usually).
2.) JAC @ TEN (-5)
Jacksonville is BAD. They 0-5 ATS and TEN showed they CAN be a good team at times. This is the same team that beat KC in week 1 @ KC, who KILLED the Patriots @ KC, who beat the previous unbeaten Bengals by 26 points.
This Jags offense DOES NOT have the firepower the Browns possess (seems weird saying that) at 28th and 31 overall in passing and rushing. A final Apples to Apples, Jags lost to the Colts by 3 less AT HOME than the Titans did AT INDY. That tells me they are at least 3 points better, plus the 3 at home, plus Delanie Walker is a difference maker that the Jags don't have. Also Toby Gerhat has been ruled out...
3.) PIT @ CLE (Over 47)
Their first meeting was a 30-27 victory with the O/U set at 41. They've upped it a little bit, but I still it going over. You have the 8th and 4th best rushing attacks paired with the browns porous defense, 27th and 30th against the pass and rush. This is just what the Steelers need after losing to the Buccs and relatively speaking, barely beating the Jaguars. It's a rivalry game, the Browns are going to be looking for redemption after they could have won last time. In addition Jordan Cameron is finally back (AND HEALTHIER THAN HE'S BEEN). Pittsburgh is 21st against the TE so I see Jordan Cameron having a big game.
4.) DET @ MIN (Under 43.5)
This supposed dark horse of Detroit has not lived up to expectations. They've scored the 3rd least points in a conference that features Tampa, Minnesota (w/o AP) and the Redskins who can't figure out their QB is. Their running game is HORRENDOUS (28th) and their defense is actually pretty stout 6th and 3rd ATR/ATP. Minnesota on the other hand is 27th in passing yards and 10th in rushing. However, I think Detroit can figure out how to stop Matt Asiata if they figured out how to stop the Jets RB core and Eddie Lacy. It looks like Bridgewater is going to get the start for Minnesota who has looked better than any other options, BUT I still think Detroit shuts him down. TY Hilton had only 12 less receiving yards LAST NIGHT than the Vikings leading receiver Jennings has had in 5 games. As long as Megatron is out as well or still being used as a decoy, I see this one being a 20-14 game.
5.) NE @ BUF (Under 45)
Tom Brady is not the Tom Brady of old. His receivers are not the receivers of old. Buffalo with a combination of EJ Manuel and Kyle Orton have averaged .2 yards less passing per game than Tom Brady. New England scored 43 in a game in which they NEEDED to win, at home, during primetime. This isn't that same setting. Fred Jackson has been ruled "Fine", but even when he was fine they only averaged 19.2 points a game including a "blowout" win at Miami 29-10. The Patriots offense has been up and down, lead often by their running game going against an opponent that is 2nd in rushing yards allowed all year. I see this being a close game that Brady pulls out to take the outright division lead, but low scoring in the end.
6.) Upset Special BAL @ TB (+3.5)
Usually when you're picking the spread, their isn't an upset. After how the season started for these teams, 3-1 Ravens and 1-3 Buccs, this spread should have been considerably more than 3 points. The Buccs ARE NOT looking ahead, with bye week and Minnesota to follow. The Ravens have a potentially tough game coming up against Atlanta. Baltimore is heading down to the sticky Tampa climate after playing either in a dome or above the Mason-Dixon line (I think). Beyond that, Mike Glennon has looked alright... Mike Evans is supposed to be back, hopefully healthy. The Muscle Hamster (which is one of the best nicknames in all of sports) has picked up his YPC in each game as well as added a reception each game he's played. While the Ravens have come off a game against the Colts scoring only 13 versus a team that allows the 3rd most points in their conference (and division for that matter). I actually think the Buccs are going to win straight up.
I don't know if I can keep up with the finance/mortgage weekly, but I will keep up with the sports weekly, so feel free to check back on Friday. Also, if I really like the Thursday game, I may throw up a short writeup about that.
Have a great weekend everyone!
***10/13 Update***
Shermy's Six Went A solid 1-5 in week 1. Ironically the one I got correct I bet against in my own betting and didn't play Jordan Cameron in my fantasy league...
Better weeks to come!
No comments:
Post a Comment