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  1. 4 simple ways to boost how much you save

    Saving more money is one of those things that take just a few additional minutes each day, if done cautiously. These few recommendations can help you save much more cash. How many times have you needed additional information on how to apply for a payday loan, and resorted to a web site search on "instant pay day loan?" Look no further, all the info you will need is at

    1 - Save first with direct deposit

    Most people have direct deposit, so their paydays are deposited into their checking account instantly. Switch this to your savings account, and then manually transfer over the amount of money you have budgeted for the time period. When you have to transfer cash whenever you go off budget, it will force you to take a second thought about going over.

    2 - Set up regular contributions

    Budget your cash as if it has never entered your account by setting up automatic contributions to your retirement or savings accounts. It will come out of your accounts electronically with regular contributions.

    3 - Cash helps

    Use an ATM or visit the bank to pull out your spending money in money for each budget cycle. Using money means you are regularly and instantly linked to the amount of spending cash you have inside your budget and can make real-time decisions without having to check your account or consult anything else, just count the money you have available. Debit cards and charge cards are intended to disconnect you from your money, money will help reconnect you.

    4 - Clean out pockets of change

    It may feel like an old-fashioned way to save, but a change jar can truly add up. Every night or morning, clean your pockets of all change and put it in a jar or container of some kind. Most banks have change counters that will deposit your cash directly into your savings or checking account without applying for any fees. If your bank does not have a change counter, then you are able to use a CoinStar or comparable machine to count your change for a fee.
    Tags: savings
  2. Prepaid debit card from Chase

    Chase has announced the Chase Liquid, the prepaid debit card from J.P. Morgan Chase. JPMorgan's retail banking division is the most recent of large banking organizations to incorporate prepaid cards to its financial product collection. How often have you expected additional information on ways to get a quick cash advance and resorted to a web site search on electronic payday loans?" Look no further, all the facts you will need is at

    Larger players getting involved

    The New York Times explained that there are some big players associated with prepaid debit cards right now, despite the belief that they generally would not be associated with one another. Visa and MasterCard both have the prepaid cards along with American Express. There are not prepaid cards offered by Regions Financial and Wells Fargo also.

    Another big player, Chase bank, is about to enter the prepaid debit card market too. According to the Washington Post, this program is called Chase Liquid and is already found in 200 branches. All branches will have it before the summer is over. Many people will appreciate the service.

    Great service or fee grab

    Chase may be just attempting to get more fee revenue, or it might just be trying to offer services to people who would not be able to get the services usually. It is most likely a combination.

    There is a $4.95 monthly fee on the card that is waived as long as the consumer loads cash or deposits a check onto the card at a “reload friendly” Chase ATM. There are over 10,500 to select from in the country. It is free to get cash off of the card at a Chase ATM, but a minimum $25 deposit is required to start the car up, according to CNBC.

    The Dodd Frank Act Durbin amendment is the one that limits how much banks can charge to merchants in fees to process a transaction. According to the Baltimore Sun, prepaid cards do not apply to that part of the law though. The prepaid debit card fee averages 1.70 percent while the average debit card fee is only 0.25 percent.

    Some may want prepaid

    There are over 22,000 ATMs in the MoneyPass network that Green Dot holders can use for free. This is just one of the many benefits that prepaid cards have over debit cards with checking accounts, according to CNN. You can get around withdrawal and reloading charges with most of the cards, and they will never overdraft. You will be denied if there is no money left on the card.

    In spite of all this, you have to be careful about the fees on the debit card account. Do enough research to make sure you are getting a good deal when you start looking around. A Nerdwallet survey showed that $110 is the average amount of charges from a debit card at a bank while the prepaid debit card average is closer to $300. It is clear that some prepaid cards are not worth it.


    New York Times

    Washington Post


    Baltimore Sun:,7161777.story

  3. Spring Football - Spring Game - 4/5/14: Offense

    Quote Originally Posted by ftblbob5 View Post
    Spring Football’s Spring Game

    Yesterday’s spring game concluded a month of quality work for the 2013 Big XII Champs. Gone are several major contributors to Baylor’s first-ever Big XII Conference Championship in football. While there are several young men that are willingly trying to take the place of these Bears that are moving on to bigger and better things, it remains to be seen if they can replace the understanding of the scheme and the leadership this prolific graduating class provided in 2013.

    It’s always hard to evaluate the relative strength of a team when you watch spring football. If the offense does well, does it mean that the defense is lousy, the offense is very good, or both are mediocre, but the mediocre offense is just a little better than the defense. While the entire performance of a team is hard to quantify when you are playing against your own team, you can see flashes of ability that catch your eye and indicate promise. On the other hand, you can see mismatches that occur which could indicate possible weaknesses, too.

    The inability of several players to be able to compete for all or most of spring practice leaves a lot of questions unresolved in regards to depth charts and pecking order. The absences of Spencer Drango (58), Pat Colbert (69), Blake Muir (73), Sam Ukwuachu(86), Chris Sanders (1), Terrell Bur (13), Davion Hall (16), Anthony Webb (20), and Bryce Hager (44) – among others - left major holes in the individual position groups of both the offense and the defense. A positive benefit from this is that several young players got increased reps at a level elevated from what they might have expected going into spring practice.

    One of the goals of spring football is to get a solid evaluation of the relative abilities of each of the players on the squad. Because coaches (and players) don’t have the pressure of having to prepare for a contest at the end of the week, it makes it possible to give quality reps to each level of your squad and to mix-and-match your units so that you can see if particular players can measure up to the demands of elevated competition. Because of the injuries, several players were forced to compete at higher levels than anticipated. While it might have been exasperating, at times, these reps will produce increased dividends for the depth of the squad going into the fall.

    There were several young men that probably were able to improve the evaluation of their performance due to playing time made available as a result of the demands of the depth chart this spring. That means that there will be increased competition for positions in the fall that might have appeared to be a little more “set-in-stone” going into spring workouts.


    One position that is not in question at all is quarterback. Bryce Petty (14) is QB1 and it isn’t even close. The returning All-Big XII First Team Quarterback appears ready to reclaim his status as the team leader on offense and one of the leading offensive players in the conference and in the nation. Petty still has a very strong arm, he is very stout (6’3”, 230, 3L, Sr) in the pocket (you’re not going to just bump this guy down), and he is extremely careful with the football. On the afternoon, Bryce was a solid 10 of 15 for 135 yards and 2 touchdowns. Truthfully, it could have been even more spectacular. Bryce just missed on several deep balls that would have gone the distance had they been complete. In fact, this is my one criticism of the number one quarterback’s performance: he continues to over throw the deep ball to avoid any possibility of an interception. The fact that Bryce threw only 3 interceptions last fall was phenomenal. But he missed several deep throws for touchdowns at the expense of keeping his interception totals low. Picking at nits here, I’d like to see Bryce be a little more willing to trust his receivers to keep interceptions from occurring and be a little more willing to drop the ball into the window with a little finer tuning.

    The backup quarterback situation was a little more troubling. Seth Russell (17, 6’3”, 205, 1L, So) didn’t have a stellar day and Chris Johnson (13, 6’4”, 220, RFr) still doesn’t appear to quite be ready for prime time. To be fair, (unlike previous years) I haven’t seen a practice prior to the spring game. It is entirely possible that both of these young men have been terrific in previous practices. But Saturday’s performance by either of these two young men didn’t make Baylor fans as comfortable as you would like about the ability of either of these two players to come in for an injured Bryce Petty and have the offense not skip a beat. Russell continues to have accuracy issues and is still a little slow with his decision-making process. While Johnson appeared to have been slightly improved, it was obvious that the staff feels he is still the third in line when it comes to the quarterback position. Both of these young men need to have a great summer and come into fall camp vastly improved.

    The running backs are terrific. In his only carry, Shock Linwood (32, 5’8”, 200, 1L, So) demonstrated the great vision and explosion we saw in last year’s game against OU. He bounced an inside zone outside, outran the interior defense to the edge, and finished the run by splitting secondary defenders for additional yardage. This young man has nothing further to prove. Devin Chafin (28, 6’, 220, 1L, So) only got one carry on an outside zone/read that still demonstrated his unquestioned ability to get to the edge. It only gained 4 yards, but he showed enough last fall to continue to be a very important cog in the Baylor rushing attack.

    The two young men that everyone wants to know more about are Johnny Jefferson (2, 5’11”, 200, RFr) and Terence Williams (22, 6’3”, 220, true Fr). Jefferson had the more explosive afternoon (5 carries for 30 yards), but both of these young men appear to be the next generation of dynamic Baylor backs with explosive ability. These two young men will be a lot of fun to watch on the turf in McLane Stadium. It was obvious that both of these guys will be getting a lot of Baylor fans out of their seats as they break into the open for quality yardage.

    The receiving corps is STACKED!!!!! While Clay Fuller (23, 6’1”, 210, 3L, Sr) was out with an injury and Levi Norwood (42, 6’1”, 195, 3L, Sr)/Antwan Goodley (5, 5’10”, 225, 3L, Sr) saw only spot duty (Davion Hall was out with a shoulder injury, too), it was obvious that the remaining receivers have plenty of talent and skill to test even the toughest coverage units. Corey Coleman (1, 5’10”, 185, 1L, So) was the go-to target on the afternoon accounting for 5 receptions for 47 yards. Coleman appears to be more mature and reliable (although he did have a couple of drops of balls that you would expect him to corral). Jay Lee (4, 6’2”, 215, 2L, Jr) seemed to be much more capable against tight coverage (something he struggled with last fall). Jay had two receptions; one was a beautiful 40 yard touchdown. Robbie Rhodes (3, 6’, 190, 1L, So) caught a 38 yard touchdown pass where there was a complete breakdown in coverage (probably the CB’s mistake). Quan Jones (12, 6’4”, 200, RFr) and Jay Lee could be major factors on the outside of Baylor’s offensive formations if they would just become a little more consistent. These two guys are big. They have real potential, but as of yet it hasn’t come to what appears to be its possible ceiling. Carl Spangler (80, 5’10”, 185, Jr) and Brandon Brown (26, 5’11”, 185, So) both had quality contributions to yesterday’s efforts.

    The offensive line has a lot of missing pieces. Those guys that are returning are solid. Desmine Hilliard (67, 6’4”, 330, 2L, Jr), Kyle Fuller (55, 6’4”, 305, 1L, So), and Troy Baker (75, 6’6”, 310, 3L, Sr) appear to be very solid. Fuller is more athletic than the prior centers we have seen, he just needs playing time. Hilliard appears to have stepped up where he left off last fall. Look for him to be a real stalwart in the offensive line this year. It was a little troubling that Troy Baker had so much trouble with Jamal Palmer(92). One two separate occasions, Jamal had “words” with Troy that appeared directly related to the fact that Troy felt it was necessary to hold Palmer rather than give up a sack to the athletic defensive end. Troy is still trying to get back to his stellar level of performance prior to his knee injury of 2012. While his run blocking appears to be right on track, it appears the Connally HS product might still be a little slow on his movement in pass protection.

    The left guard position is being manned by LaQuan McGowan (60, 6’6”, 385?,1L, Jr). McGowan is a mountain-of-a-man that has surprising quickness and agility. He is still quite a bit over-weight and needs to lose 30-50 pounds prior to next fall. But this guy has great potential. While he has the unenviable task of replacing one of the best guards Baylor has ever produced, McGowan has the potential to work himself into a position where he might be mentioned with the greats by the time he is finished at Baylor. At this point, LaQuan has not shown the self-discipline necessary to get him into good enough shape to be able to achieve that promise. It will be interesting to see if he has the focus and toughness to accomplish this without losing strength and the stamina necessary to compete in the Big XII.

    The left tackle position is wide open with the incumbent starter (Spencer Drango) on the mend from back surgery to repair a herniated disk. It is not known (for sure) whether this surgery will enable Drango (6’5”, 315, 2L, Jr) to recover to the point that he can play effectively next fall. Most anticipate his return, but until he actually steps into the fray it is too soon to tell. In his place, two transfers are fighting it out for the starting spot. Jarell Broxton (61, 6’5”, 325, Jr Tr) and Jason Osei (76, 6’4”, 310, 1L, So) are both very impressive athletes, but they have a ways to go before they remind anyone of Spencer Drango. While their performance didn’t stall the offensive attack, these two don’t provide the level of comfort Baylor fans have come to expect from a position manned by Drango. Their development, or the rehab of Spencer Drango, will be a vital part of deciding whether or not the Baylor offense can approach previous levels of performance.

    When an offense goes against its own defense every day for an entire spring, the defense gets pretty good at defending what they are seeing. It was obvious that the Baylor defense had benefitted from those reps with quality recognition of what they were seeing. Because of this, the quarterbacks had to be content with mostly underneath throws to intermediate and short receivers. In fact, there was only one obvious breakdown that resulted in a completely open vertical opportunity. Most opponents next fall will only have one week to get ready for the Baylor attack. They will continue to struggle with recognition and the speed with which the skill players make it happen. This should result in increased opportunities to get vertical.

    Overall, the offensive performance was very solid. I hope I’m not getting too jaded by the success Coach Art Briles, Coach Montgomery, Coach Clements, the rest of the offensive staff, and the players have been able to produce and as a result agree with Bryce Petty when he said, “To be honest with you. It was okay…just okay. It wasn’t as good as I wanted it.”

    The health of the offensive line is a primary concern. The lack of reps for people that were predicted to be front line starters this fall means that summer workouts and fall camp will be critical to building the performance and chemistry necessary to compete at a level that would be required of a team hoping to win a conference championship that would require being able to win in Austin and Norman.

    Work hard, young men, work hard.
  4. 7 of top 10 recruiting classes are from SEC

    Quote Originally Posted by ToiletDuck View Post
    Baylor has more to prove. However pre season rankings could help us a lot.

    Sent from my HTC One using Tapatalk
    Rivals does not have us in the top 25.
  5. Ieshia Small

    Quote Originally Posted by WasheFuzzy View Post
    Small needs the ball in her hands and needs to play at the point. She does not seem to be a wing player to me. I would like to see Small play extended minutes at the point and I think we would see the player that she really is. Her shot is not as good as Wright's but she certainly has a good handle and can slice to the basket, which Johnson really cannot.

    Do you have any idea what it takes to play the PG position? You say she can slice to the basket, can this not be done from the wing position such as an isolation set? With her size, I would utilize her more in the post as a a big guard, BTW, which she is really comfortable doing. IMO, her current strengths and skill set isn't being utilized to allow her to be effective. I believe the offensive structure will change next season which will force KM to have more of a motion offense vs the isolation sets she currently has in place now featuring a lot of Sims. When you have players on the move constantly (which is not the case in 50% of the sets) they are harder to guard and this is the type of movement that plays more to Ieshia's strength to utilize her athletic ability. Look at Stanford, Notre Dame & UCONN offensive movement, rarely does a player have the ball in their hand longer than 2-3 secs in the 1/2 court set. Ieshia will come along but the notion of her playing PG so she could be more effective just doesn't make sense.
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