Excel 2010 Ultimate Free Fantasy Football Cheatsheet Download
Ok, so maybe it’s not the ultimate cheatsheet, but it is free and probably will be helpful! I put this excel document together to get ready for my upcoming 2010 fantasy football draft and I thought I may as well share it with all the MYM readers!
Included in this document is one excel sheet with different pages for the top 200 pinks, top QB’s, RB’s, WR’s, TE’s, and Defenses oh wait don’t forget kickers…
The ratings are from the most recent fftoolbox.com lists.
Good luck..
2010 Excel Fantasy Football Cheatsheet Download
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Top Affordable Halloween Costumes for 2010
The following list completely ignores all of the typical Halloween costumes like vampires, those go without saying, rather, this list is aimed more at the trend of dressing up like somebody famous or recently made famous. Every year there seems to be a new batch of celebs thanks to politics, reality shows, and balloon boy stunts. Below is the MYM’s top 2010 list of affordable costumes for 2010.
- Steven Slater – Made famous by freaking out on a passenger on a plane, while working as a flight attendant, Slater stole a beer and slid down the emergency exit on a JetBlue flight. Slater adds another reason to consider purchasing the all you can fly deal from JetBlue. A Slater costume can range from a flight attendant getup to well a flight attendant getup.

- Michaele Salahi – I guess you don’t have to be invited to the party if you show up dressed as Michaele Salahi. The famous White House party crasher and now apparently a DC Housewife, requires a blond wig and a dress, I guess.
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Should You Snake Your Clogged Drain or Use Drano Products?
While pouring a bottle of Drano down your drain is probably easier, it’s definitely more expensive and will likely have to be down again after a few months. Generally, most people experience problems in their shower with draining problems from hair and God know what else, and the some what lazy solution is to buy an expensive bottle of Drano and pour it down the drain, let it sit and rinse it down. This does work, but I would consider buying a snake and manually unclogging the drain.
I got a drain snake for about $4.00 at Harbor Freight Tools, which will last forever, compared to an $8 bottle of Drano that might be enough to clear two plugged drains. It is without a doubt cheaper in the long run to manually snake your clogged drain and I feel like it does a much better job as well because you are actually pulling all of the junk out of the drain rather than trying to force some of it down the drain.
So the next time you see a drain snake on sale, snatch it up and give it a try. Don’t worry, it doesn’t take a DIY’er to unclogged a drain, just a snake and few minutes.
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Use a Cheap Candle Warmer for a Coffee Mug Warmer
Awhile back, I looked everywhere for a coffee cup warmer because I cant stand when my coffee gets cold at work. I was tired of pouring cold coffee down the drain or getting a buzz by slamming the cup before it chilled. After looking everywhere for a coffee mug warmer, I finally just settled on a candle warmer from Bed Bath & Beyond for relatively cheap (don’t forget to use one of the 20% coupons that seem to always come in the mail).
I’m happy to report that it does actually keep the coffee warm, but not hot. Basically, for me it keeps the drink warm enough to drink, which is exactly the purpose in the first place. They do serve USB coffee cup warmers that plug into a USB port on your computer, but I have read that these don’t really produce a whole lot of heat. The candle warmer will heat up your mug to the point where the bottom will be pretty hot to the touch.
So if you are looking for a gift to give a coworker or you just hate cold coffee, then try buying a cheap candle warmer, just don’t forget to turn it off, burnt coffee smells…Choose from the most used tags in Post Tags
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Should You Switch Electricity Providers from BGE to Dominion?
If you live in Maryland, you likely received a promotional letter from Dominion Retail urging you to switch electricity providers from BGE to them. If your like me, the letter and whole setup is a little confusing. Apparently, if you switch to Dominion, all this really means is they will “arrange” the supply of electricity that BGE delivers to you. So your billing, services, and repairs will continue be through BGE, it’s really the back end work that would be changing.
Should we all be switching to Dominion is the question. Consider the following before making a decision:
- If you make the switch by September 17, 2010 and your one of the first 25,000 customers who enrolls, you are guaranteed a rate of 9.67 cents/kWh until May 2011. So essentially a year’s worth of cheaper electricity.
- Currently BGE’s rate is 11.901 cents/kWh, effective through September 30, 2010 and the rate will be reduced to 10.083 cents/kWh beginning on October 1, 2010 through May 31, 2011. Basically, because BGE is lowering their rate starting in October, the difference in rates for the year if you switch would be 0.413 cents/kWh—not a whole lot of difference really.
So, should you switch? I guess it doesn’t hurt because nothing really changes as far as your service, billing etc., just your rate, which will drop 0.413 cents/kWh. Also, after the promotional period, you have the option to continue with Dominion or you could switch back to BGE. At that point, you could just do another rate comparison and make a decision in 2011 based on which company will have the lowest rate (I was told that the average Dominion rate currently is 11.33 cents/kWh, higher than BGE’s “normal” rate for the year).
So for a guaranteed reduction in electricity with no real change in service and no fees to make the switch (I was also told on the phone that all of the fees associated with delivering the electricity that you see on your bill will remain the same), I don’t really see a reason not to switch to Dominion—at least during the promotional period.
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Increase the Life Of Your Dress Shirts with Metal Collar Stays
For those of you that have to wear a button up shirt to work everyday, metal collar stays is must have item to expand the life of your shirts and keep you looking good. Generally, all button up shirts come with plastic collar stays, which mysteriously get eaten by the washing machine. When the shirt is relatively new, this can go unnoticed, but when a shirt starts ware, you will see the collars start to curl up around the edges. This is where replacement metal collar stays come into play.
For relatively cheap (usually around $15) you can get a set of metal collar stays of different sizes that will last you forever. The weight of the metal collar keeps the collar flat and crisp and unlike plastic ones, they will not bend and get disfigured over time. When your collar starts to the wrap around, it really ages the look of your shirt, so don’t toss it and buy another, straighten it up with a collar stay.


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DIY: How to Change the Oil in Your Car
I think there are a number of reasons why changing your oil yourself is worth the time and money. For one, the quality of oil and filter that you can buy when you change the oil yourself will be of higher quality than a place near your charging about $20 for an oil change. There’s also the confidence that when you do it yourself, it’s done right. Lastly, if you’re like me, you may just enjoy doing it.
Before I get into the details of how to change your car’s oil, here are a few answers to common questions of first time oil changers:
Where is the cheapest place to buy oil? Generally, Wal-Mart tends to have some of the best priced oil, however, many auto stores will run specials on 5 quarts of oil and a filter, so keep an eye out for those.
What type of oil should you buy? Your vehicles manual will tell you the recommended type of oil to use for your vehicle, there is a reason they choose a certain type so I suggest abiding. Generally, I use 10W30 or 5W30 and I do get the high mileage oil for my car that has over 75,000 miles.
Should I use synthetic oil in my vehicle? If you’re not currently using synthetic oil, you generally can switch to it. The advantage is it is better for the engine and can go longer in-between oil changes. However, I don’t recommend synthetic oil for older vehicles with a lot of miles because synthetic oil flows better, which may lead to leaks in an older vehicle (this is my experience anyways).
How often should you change your vehicles oil? If you are using good quality synthetic oil, it’s recommended you change your oil every 5-7k miles or six months (I usually change it around 5k). If you are using normal oil, it’s recommended you change it every 3-5k miles (on my older vehicle not using synthetic oil, I change it every 4k miles).
How to Change the Oil in Your Car
Step 1: Raise Your Vehicle
The first thing you want to do is jack your vehicle up and support it securely with jack stands. Or you can use ramps like I used in the picture. If you will be using jack stands, make sure you vehicle is in park and put wheel chocks behind the rear tires to make sure it won’t roll anywhere.
If you know you’ll be doing more than just one oil change, you might want to invest in ramps (usually around $40). I feel a lot safer under the vehicle compared to jack stands and it’s just a lot easier to pull up onto the ramps. [Tip: Have a helper guide you up onto the ramps so you don’t overshoot them.]

Raise your vehicle to access the oil tank.
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Its Fantasy Football Time, Is it Worth the Money?
As football preseason begins with much disgust to many wives out there, football fans around the country are now starting to strategize for their upcoming fantasy football draft. Most leagues, as everyone is well aware, usually require some sort of buy in, which usually goes to a fund for the winners and to pay for a website to tally your scores each week. Is this buy in worth it?
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Save Money on Men’s Dress Shirts by Paying More
It does actually pain me a little bit to write an article about spending more as an attempt to actually save yourself money in the long run. Usually, I will fight this notion, but when it comes to men’s dress shirts, I have found through experience, that it really does make much more sense to spend more on the front end.
Having to wear a suit everyday for work, I have purchased many dress shirts over the years at places like Kohl’s, Macy’s, Marshals, and Ross. But the problem with all of these shirts that I felt like I was getting a great deal on is that they are just simply ok. Many of them, even though they are advertised as “iron-free,” still come out of the dryer with plenty of wrinkles. In addition, many of these shirts would get wrinkly quickly throughout the day losing their crisp ironed look.
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How to Avoid Maryland’s E-ZPass Monthly Fee
Recently, Maryland started charging a monthly “maintenance” fee to hold an E-ZPass of $1.50/month. I know, $1.50 per month isn’t that much, but consider this fee for the commuter who rarely even uses the E-ZPass. For a total of $18 year, many E-ZPass holders find themselves barely even paying $18 in actual tolls for the entire year.
So how do you avoid paying the monthly E-ZPass fee? First remember that an E-ZPass is pretty much good in every state and every toll location. Therefore, if you received your E-ZPass in Maryland, you can use it in New York or Chicago. This is important because some of these states do not charge their users a monthly fee. Second, it’s important to find out what states allow out of state customers to purchase an E-ZPass from them. Some states will refer you to your resident state when you try to purchase a pass from them.
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Payback: List of Fees Customers should be able to Charge Businesses
MYM Fee: If I go to the ATM and it’s out of order, the bank owes me $2.75
MYM Fee: If I choose to print a ticket from my computer with my paper and ink, then Ticketmaster owes me a $5.00 processing fee.
MYM Fee: If I bring my own carry on luggage on a flight, put all of my liquids in little zip lock bag, take off my shoes, get a full body scan, leave 2 hours prior to my flight, pay $30 to check my bag (each way), pay $50 to park my car at the airport, and cannot use my phone in mid-air, then the airline owes me a free beer fee.
MYM Fee: If the Metro in Washington, DC can now charge me a peak of the peak charge, I can charge metro a peak away from the peak discount.
MYM Fee: If I buy an item on eBay and I’m charged $15.00 for shipping and when the item arrives with a postage stamp of $1.50, I can charge the seller a $13.50 greedy fee.
MYM Fee: If virtually every company can charge me a late fee on any payment for anything, then I can charge them a paid you back early fee.
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Free Ways and Applications to Get the Most from Your BlackBerry
Do you own a BlackBerry and feel like you should be milking it for more than just sending text messages/emails and making phone calls? Well if you don’t, then what are you lugging around that clunker for anyways?
The first thing I would recommend for BlackBerry users is to purchase a Flash memory card (micro SDHC). The size of the card you purchase depends on what you will be using your phone for, but generally an 8GB card will be more than enough for the average user. Don’t worry, they don’t cost too much, especially if you order one online. Newegg sells an 8GB card for just 16.99 w/ free shipping. This card will allow you to store pictures, videos, music and more—it’s a must for all BlackBerry owners.
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Shop Online for Sports Memorabilia Gifts
As a big Minnesota sports fan, I often get presents from friends and family of logo filled memorabilia and as lame is it sounds, I love it. It seems like now, most sports memorabilia can really set you back financially. For example, a jersey can cost well over $100 and mug or shot glass at the stadium can easily cost upwards of $20-30. Online is by far the cheapest place to get these types of items for people as gifts not only because of the price, but because of the options.
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Do You Know How Much Your Friends Make?
I think it is natural to pretend you don’t care how much your friends make, but really find your self curious to find out. I have never fully understood why people treat their salaries like a secret vote on a hotly polarizing issue. While I do understand why some people are just not comfortable letting everyone know how much they make, I do not necessarily see any bad in sharing the information.
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Ways to Increase Your Savings Account
It wasn’t long ago when we were writing about the horrible savings habits of U.S. households. Only a few years ago, the personal savings rate bottomed at less than 1%, meaning that Americans were saving less than 1% of what their take home pay was. Now, the personal savings rate is higher than it has been in a while at 6.4% in June. While this still is not the ideal number, it is a significant jump. Are you contributing to this spike in savings?
It’s only natural after a economic downturn and job instability that consumers are more or less scared into saving. Scared or planned, it is encouraging to see that some are starting to plan for their futures instead of outspend the present. How much should you have saved up? This is an evolving figure that nobody really seems to agree upon, but I think if you have between 2-6 months worth of living expenses, you are well prepared.
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