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

1. 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.
2. 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.
   
3. President Barak Obama – Neither color nor religion is an issue if you decide to dress up as Obama this year. Apparently, he’s black/white and Christian/Muslim. All you will need to pull of the Obama look is a suit, big ears, a birth certificate, noble piece price, graying hair, and low approval ratings.
   
4. Sarah Palin – Sarah Palin says so many crazy things that this costume can go a number of ways. Of course, your going to need the famous glasses and crazy hair, but from their you can go a number of directions. Maybe bring along your pet grizzly bear, fishing pole, a dictionary of made up words, a certificate of congratulations for half a term as Governor or Alaska, a gun (fake) or a lamestream media partner.
   
5. Levi Johnston – How can I not include Levi after Sarah? Levi is another easy costume to put together, it’s just going to take a few accessories to tip off who you are supposed to be. Some options could be to bring a “pregnant” partner to play as Bristol Palin, a Playgirl, or a “Vote for Levi” for Mayor sign.
   
6. Bristol Palin – I hate to put all of these back to back, but they play off each other so well. Bristol is a costume that like all of them probably can go a number of ways. You could be pregnant, carry a People magazine, or have a priest almost marry you throughout out the night (there is always a priest at a Halloween party).
   
7. Rod Blagojevich – Close friends call him Blago, we call him crazy. Blagojevich requires a nice mop of hair, a suit, $500 tie, credit card debt, jail jumpsuit, or a “Your Fired” sign.
   
8. Senator Scott Brown (R-MA) – Scott Brown became an instant household name with his surprise win for the late and I will say Great Ted Kennedy. He’s no ordinary Senator, however, he landed on the Hill’s most attractive people list and once was featured as the “Sexiest Man” in a centerfold piece. Again, take this costume how you’d like…
   
9. Tea Partier – This costume might be a little more expensive depending on how you look at it. It could range from a tea party character dating back to the Boston Tea Party or pick out a person in the crowd at any tea party rally and give yourself a prop that gives your costume away. Perfect props could be anti-Obama signs, political signs with misspelled words, and a copy of the constitution or bible.
   
10. Justin Bieber – If you don’t know him, ask your kids, if you still cant find out who he is then Google in him Incognito. I suppose all you need to do is have the Bieber hair due, which is pretty much flat across your forehead slightly to one side and make sure your constantly throwing the hair out of your face. Oh, and you should probably be short and wear extremely tight undies to get your voice at the right octave.
    
11. LeBron James – Normally I don’t think he should be on a Halloween costume list, but after the bizarre year he had how can he not?  [Warning: Do not dress up at LeBron if your going to be going to a Halloween party in the entire state of Ohio]
    
12. Brett Favre – I’m willing to guess this will be the last year Favre makes it on a Halloween costume list, but never say never with Brett. Perhaps a dip in your mouth, a Vikings jersey tucked into tight Wrangler jeans, a walker, and an indecisive drink order all night will work perfect to pull off the Favre.
    
13. Tareq Salahi – Michaele’s husband is not nearly as famous of the two White House party crashers, but definitely will be showing up at parties this Halloween. I’d venture to guess it will be the biggest couples outfit this year. Don’t be afraid to go with a polo outfit.
    
14. Glenn Beck – The man who can compare nearly anything to the Nazi Germany days should be an easy costume to pull together with things you probably already have. The glasses he wears when giving his professor like lectures are a must. If possible, some type of chalkboard, a gold endorsement, and constant chin grabbing.
    
15. Elizabeth Warren – Ok, this costume may only work if you live in the Washington DC area. It was Warren’s idea to have a Consumer Financial Protection Agency, which has recently been created by Congress, and Warren is now a leading contender to get the job. An Academic with, well, an academic look, Warren is a pretty easy costume to pull off. This is either a bust or a hit costume, depending on the party.
    
16. Elena Kagan – Sticking with DC fame, President Obama’s successful Supreme Court pick Elena Kagan, cruised through the confirmation process with relative ease. With her sexuality in question and her love for softball and constant short jokes (even from Obama), Kagan can easily mimicked with a homemade Supreme Court robe.
    

Who are we forgetting?

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.

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

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.

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.

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.

Step 2: Warm Up Your Vehicle

If your car is cold, let it idle for about 10 minutes or however long it takes you to get the engine to normal operating temperature. When the engine heats up, so does the oil, which allows it to drain better.

Step 3:  Drain the Oil

Locate the oil tank under your vehicle.  Usually it is located right next to the oil filter and is plugged with one bolt.  When you have located the oil tank, position an oil pan underneath it, but slightly ahead of the bolt plug. This is because when the bolt is removed, the oil with spit out about a foot because  of the pressure.

Loosen and remove the bolt with an open ended wrench or a socket.  The bolt usually falls into the pan on me, if this happens to you make sure you remove it right away so you don’t have to fish around in the oil for it.  Let all of the oil drain out and then put the bolt back and secure it tight, but be careful not to over tighten it, this can lead to stripping the bolt.

Loosen the oil pan bolt

Let the oil drain into an oil pan

Step 4: Replace the Oil Filter

Some people only replace the oil filter every other time they change the oil, but I replace it every time (oil filter’s only cost around $2-$5).

Locate the filter under the vehicle and place the oil pan underneath it (they usually look like the one in the picture) and simply loosen and remove it with your hand. If you are unable to loosen it with your hand, you can purchase an oil filter wrench for around $10, which will break the old filter loose with ease.  As you can see from the picture, I used an oil filter wrench.  [Tip: Once you loosen the oil filter, let the oil run out for a little bit before completely removing. In addition, immediately after you remove the filter dump the oil left in the filter in your oil pan.]

Before securing the new oil filter, pour a little bit of oil onto the rubber gasket and spread it around with your hand to lubricate the new gasket.  Then simply screw the new filter in place, it only needs to be hand tight.

Loosen the oil filter with a oil filter wrench if it's to tight to remove it by hand

Remove the oil filter

Rub New Oil around the gasket with your finger

Step 5: Replace the Oil

You’re almost done, now all that is left is to replace the oil.  Unscrew the oil cap on the engine head and place a funnel in there, which helps pour in the new oil. Check your vehicles manual to see how much oil your vehicle holds, it is usually around 4 ½ – 5 quarts.  Once you’re done filling the oil, lower the vehicle or drive it off the ramps and let it run again for a few minutes. After the car runs for a little bit, check the oil and add any if you need to. Lastly, check under your vehicle to make sure no oil is leaking [Tip: Don’t let oil that is still hanging around from when you drained it to trick you into thinking its leaking out.]

Replace the oil to the recommended level

That’s all there is to it, in less than 30 minutes you can change your car’s oil, save yourself a few bucks, and ensure your car’s is getting quality oil.

Generally, with most things like fantasy football, I figure if it is worth your time then it is probably worth your money.  So, if you really enjoy playing fantasy football, paying $50 to be in a league is probably a bargain. If you hate it, then of course, it’s probably a waste of your cash.

If you think about it, most buy in fees for fantasy football leagues are relatively low and usually less than the cost of one ticket to an actual NFL game. However, unlike the cost of a game ticket, fantasy football supplies entertainment throughout the entire football season. So if you favorite team is having an awful year or your team isn’t playing on a Monday night, you may still get into a game just to see if your fantasy players can tear it up.

So for a total of around $50 to get into a fantasy football league you are likely getting entertainment out of otherwise completely meaningless games to you, weeks of trash talking (in good fun of course) with your friends of co-workers, and you may even end up winning some if it back. Is fantasy football worth the money? To me, without a doubt, it is.

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.

The solution for me has been Brooks Brothers. I’m sure there are other favorite brands out there, but I have found their iron-free shirts to be completely worth their high price tag. Generally, they run about $60-80 or so for just one shirt, compared to about $15-40 for a cheaper brand when you find them on sale. However, the quality of the material as well as the hassle free maintence of the shirt makes them far worth the extra dollar.

Brooks Brother’s shirts usually always come with the crease running all the way down the arm, which makes it look like it was just dry-cleaned. This crease is permanent, which means it is always going to look like it was just dry-cleaned. And, as advertised, their shirts actually do look great when taken out of the dryer fairly quickly after they are done. This translates into no ironing. I don’t know about you, but I prefer to spend my Sundays watching football with a beer and not ironing my shirts with a spray bottle.

Lastly, for those that do not know or probably just don’t care, Brooks Brothers shirts have a little wrinkle at the cuff of each shirt, which is very faint, but recognizable to those around you that know about fashion/quality. So the next time your in a meeting with “the suites” at your job, I bet you will be able to spot at least one shirt with this wrinkle.

If your going to try spending a little more on a shirt like this, make sure you get sized before you make the purchase and decide if you want a slim fit or traditional fit. In addition, decide if you like the spread collar vs. the traditional collar. You’re going to be spending a lot on a shirt that will last you a long time, so make sure you are getting what you want, because after you wear it, you’re stuck with it.

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.

Everyone can thank the Hoosier state, because as it currently stands, Indiana does allow out of state customers to purchase an E-ZPass AND they do not charge a monthly fee.  Even better, Indiana doesn’t charge you for the pass itself, just $7 shipping and handling (Maryland for example charges $21 for the pass alone).

So, if your tired of paying Maryland’s monthly fee because you barely even use your E-ZPass, then consider getting an account with Indiana or any other state that allows it.

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.

MYM Fee: If an airline can charge me $150 to change my flight, I can charge the airline a your welcome somebody just purchased my seat at the last minute for way more than I did fee.

MYM Fee: If an airline can charge me a fee for requesting an isle seat, then I can charge them a this sucks for sitting in the middle seat fee.

MYM Fee: If a hotel can charge me a $15 fee just for looking at the mini bar, then I can charge the hotel $15 for replacing everything I drank from the liquor store across the street fee.

MYM Fee: If cell phone company can charge me a fee on each text message I go over on my plan, then I can charge the cell phone company for each text message I’m under on my plan fee.

MYM Fee: If a company ever charges a surcharge fee for any reason, then I can charge a for what fee of equal value.

MYM Fee: If I have to pay thousands of dollars in fees in closing costs when buying a home, then I can charge the realtor, the state, the lawyer, and the title company a I don’t know what the hell I’m signing fee.

MYM Fee: If a prepay a bill and a company (probably a bank) uses my extra payment and invests it for profit, they then owe me half of the earnings, plus a loan closing cost fee for the rest of the earnings.

MYM Fee: If a credit card company can charge me a yearly fee just to have the card with them, then I can charge them a yearly fee just for having me as a customer.

MYM Fee: If a bank can charge me a bad deposit fee on a check that bounces when I go to deposit it in my account, I can charge them a how am I supposed to know that the person that wrote this check has no money fee.

MYM Fee: If a credit card company can charge me a fee to transfer a balance to a new account, thus giving them all of the interest money that will ultimately come from the transfer, then I can charge the credit card company a making money off my money that I didn’t have then and still don’t have now fee.

MYM Fee: If a credit card company can charge me a fee for going over my limit, then I can charge a credit card company for setting my limit so low in the first place fee.

MYM Fee: If a credit card company can charge me a same day billing fee, then I can charge the credit card company a your welcome for paying you today fee.

MYM Fee: If mutual funds can charge me a yearly percentage fee for “managing” the fund, then I can charge the mutual fund fee for managing my fund into the ground fee.

MYM Fee: If a grocery store can charge me a 5 cent per bag fee, then I can refuse bags and they can carry all of the my items to my car one-by-one fee.

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.

Music. An iPod isn’t the end all of MP3 players, BlackBerries hold their own pretty well in this category and if your going to be lugging it around anyways, you might as well use it for multiple purposes. How do you put music on your BlackBerry? Its pretty easy and free if you use the mp3’s you already own.  Just connect your BlackBerry to your computer (it should see it as another drive) and then just copy over your mp3’s into your music folder. That’s all there is to it.

Connect your BlackBerry to Your Car’s Stereo. Another way I like to use music on my BlackBerry is by hooking it up to my car speakers, newer cars can do this wirelessly through Bluetooth but older vehicles can hook up to your BlackBerry with a RCA to stereo cable or even through the radio station with a transmitter. Hooking your phone up to your car like this also allows you to talk on the phone over the speakers, which is cool for you but annoying for your friend riding shotgun.

Google Mobile Application. Another must in BlackBerry use is to download and install the Google Mobile Application. Google’s FREE application allows you to get Google maps, sync your phone up to your Gmail account, watch YouTube videos, and play with Google Buzz (I still haven’t really gotten into this yet). The Google Maps function is reason enough to download this on your BlackBerry, this can help you get out of a jam or it can help you find the nearest Chipotle!

Spruce Up Your BlackBerry with the iPhone Theme. So your upset your work only hands out BlackBerries and will never go big with the iPhones? Join the club, however, that doesn’t mean your BlackBerry can’t at least look like an iPhone.  Simply download this FREE theme to spruce up your phone’s appearance.  Don’t let this theme fool, it still won’t be a touch screen.

Control Your Computer with Your BlackBerry. If you often hook up your computer to your TV to watch online videos, shows, or movies and your sick of getting up and walking over to your computer everytime you want to change something, try downloading another FREE application called bluCTRL, which allows you to use your BlackBerry as the mouse and keyboard for your computer.  In order for it to work, your computer must use Bluetooth and if it’s older and doesn’t have onboard Bluetooth, no problem, you can buy a Bluetooth USB Dongle for around $6 which will do the trick. This free application impresses friends and makes being lazy even lazier.

A nice site that is filled with these types of cheap gift ideas for sports fans is CSNStores, which of course sells loads of other products like dining room furniture. I recently got something there for my office that proudly displays the Minnesota Twins logo (don’t worry it’s a business card holder, I wouldn’t stick a Fathead on my wall or anything at work). Their websites sticks sports logos on just about anything you can think of.

Most sports fans really like the “old school” logo of their teams and for these eBay is great. Some of the real vintage sports gear is used, but sometimes that just comes with the territory. Look for great coffee mugs or vintage baseball helmets as good gifts.

Although not online, sometimes it’s a great bargain to buy merchandise on the way to the stadiums from the vendors on the street. Many times their hats and shirts are nearly identical to what you find inside as far as the style and for about half of the price.  This goes for the hotdogs too!

I also think its ok to feel good about your friends success and I also think its good to feel bad for your friends when they are down financially. Hiding behind or masking the realities of your finances with friends hamper these two situations. It’s hard to help out or refer certain opportunities if you don’t know your friends need them.

Of course, we all want to make a lot of money and we all secretly probably want to make more than our friends do, but none of that matters and if anything, it may be a driving factor for us to take chances and work harder to get ahead.

Has anyone had bad experiences sharing their finances with friends? What do you think, is it a good idea to talk bout money with your close friends?

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.

Whether you are on your way to your savings goal or just starting out, maybe some of these tips can help you reach your comfort nest egg

• Treat your savings like a utility bill and pay into your savings every month.
• Budget a reasonable amount per month that you actually deposit money into your savings without having to take it right back out.
• Put all or a significant chunk of bonuses/surprise windfalls into your savings account.
• Log into your savings account every once in awhile to see your progress and remember why you don’t have an iPad yet.
• Setup auto deposits to make your savings from your paychecks happen automatically.
• When you pay off certain items or bills, take that already budgeted amount and put it towards your savings.
• If you are lucky enough to get a raise, take a percentage of it and add it to your savings contributions. You’ll never get ahead if you’re always spending increases.