Albany,n.y.

I don't quite understand your statement. Here's what I calculated. I took the 1st year's interest (to keep the calculation simple) on a $147,600 loan at 5.75% 15 years & a $147,600 loan at 6% for 30 years. The difference in interest x 30% (rounded for fed & NYS taxes) tax break ended up being around $170/year. I added the $170 to the $4,080 to equal the $4,250. I referred to this $4,250 as the after tax difference since $4,080 is before extra tax breaks. I'm not an accountant, so if an accountant would call it something different so be it. Edit-I forgot to add the last step. I then took the FV of $105,000, payment of $4,250, plugged in 15 years, hit i on HP12C & got 6.76% on the non rounded #s. It's 6.78% using the rounded #s.

Without the if I sell part, I get an extra $885/mo in my pocket when I need it by investing an extra $340 /mo when I can afford it.

To losmanera: By your original post's logic, (before they cut him) Tampa Bay's signing of Akili Smith was equal to getting the 3rd pick in the NFL draft. Once a player is cut (like Gandy was in Chicago) his value is the same as signing any street free agent, the player's value isn't equal to his original draft position.

Time to climb out on the limb. By the end of preseason Dylan McFarland will be ahead of Gandy on the OT depth chart. Now this is not necessarily a vote of confidence in McFarland. I don't think Gandy is going to start, & once "Drum" Gandy is benched, I'd say it's 50-50 he doesn't even make the team. I remember last year at this time there was a lineman who was #1 on the depth chart at LG-Mike Pucillo. Gandy is this year's Pucillo.

In rounded #s I'd rather spend the extra $4,080 (before taxes) a year to make my payments on a 15 year mortgage than have a 30 year mortgage & still owe $105,000 on my house with an $885 mortgage for the next 15 years when I retire. In order for me to break even using the $4,250 (includes income tax break differences)per year to invest, I'd have to get a 6.76% Return On Investment. I don't know where I can get a certain, zero risk 6.76% per year ROI. However I do know that by spending that extra $4,250 I'm not investing, I've assured myself of an extra $885/month or an extra $105,000 (rounded) in my pocket if I sell. By paying my mortgage with a 15 year loan @ $1,225/mo instead of a 30 year loan @ $885/mo, I am building wealth-I've got a present value of $105,000 in 15 years by "investing" an extra $340/mo into my mortgage. ...and that extra $885/mo (or $105,000 in my pocket) certainly will go a long way towards paying my bills.

The one thing the article completely fails to address is that you want your mortgage paid by the time you retire. He states a mortgage is a loan on your income. When you retire, your income drops-so your best choice is to have your housing cost go down, not up. If you're still paying a mortgage at retirement, your housing cost is rising because taxes always go up. He completely ignored this issue. Also, a 30 year unpaid mortgage isn't a good thing if you buy later than the average purchaser. I was almost 50 when I bought my 1st house. Having a 30 year loan was a guarantee that I would be carrying a mortgage well past retirement. I chose a 15 year mortgage to coincide with my anticipated retirement.

Robot You are 85% Rational, 14% Extroverted, 0% Brutal, and 42% Arrogant. You are the Robot! You are characterized by your rationality. In fact, this is really ALL you are characterized by. Like a cold, heartless machine, you are so logical and unemotional that you scarcely seem human. For instance, you are very humble and don't bother thinking of your own interests, you are very gentle and lack emotion, and you are also very introverted and introspective. You may have noticed that these traits are just as applicable to your laptop as they are to a human being. In short, your personality defect is that you don't really HAVE a personality. You are one of those annoying, super-logical people that never gets upset or flustered. Unless, of course, you short circuit. To put it less negatively: 1. You are more RATIONAL than intuitive. 2. You are more INTROVERTED than extroverted. 3. You are more GENTLE than brutal. 4. You are more HUMBLE than arrogant.

1000% better than that ESPN insider article. I especially liked: And while Losman, who tossed 60 touchdown passes at Tulane, must prove he can make good decisions against NFL defenses, he can't do any worse than Bledsoe, who had 43 turnovers in his last 32 games as a Bill.

Totally unprofessional article that a 5 year old Bills fan could have done a better job on. Some have already been mentioned, but I wrote down all the mistakes to skewer them with: Holcomb is 32 (just turned 32 7/9) not 33 If they wanted Woodbury to be #3, they wouldn't be wasting Shane's time by resigning him. As noted, the didn't mention Rashard Lee They don't know that Moulds will have to be restructured again because his cap hit is huge for 2006, so the signed through 2007 & probably a career Bill is tenuous at best As noted, Everett won't be playing in camp (he'll probably be PUPd) Mike Williams is in the best shape of his career, contrary to their statement that he needs to get in better shape Bannan is slated to go back to DT. After signing Anderson & drafting 2 OL, Bannan will have to make the team as a backup DL. Lindell made big strides-IS HE ON CRACK? Pochman & Rheem have already been cut & won't even be in camp. As noted we were 9-7, not 7-9

At this point the team realizes that all decent kickers are committed to teams for camp. We'll be scouting tapes of games with every kicker who plays in preseason being evaluated. We're either going to pick up someone on waivers or trade a late rounder for a kicker who has a good preseason & gets caught up in the #s. Unless Lindell kicks like Superman in preseason, he'll be cut the week of the opener. He may be on the team at the 53 man cut, but he'll be gone by opening day.

It's John Roberts

Before he fished the kid out, he got him to sign on & Drew gets 10% of the kid's lifetime earnings.

I used to listen to Rush all the time when he 1st started his national show. He used to be a pretty funny guy before he started to take himself too seriously. He also used to talk about sports a lot. I don't get to hear him too often so I don't know if he still does. I'm usually in the office so I don't get the radio going. Today I was in the field & he was on the clearest station. I listen & watch both sides. I'm not registered with any party because I prefer to have an open mind than follow robotically to what either Democrats or Republicans say.

I was in my car today & started listening to Rush Limbaugh. Today he got on a rant about how they won't get Karl Rove. I thought OK, I expect Rush to be supporting Rove. Then he kept on how not only won't they get get Rove, but they won't get Bush either, like they did when Richard Nixon was forced to resign. Is Rush back on drugs? When has there ever been a link to any of Rove's leaking (whether he did or not is not relevant to this post) & people forcing Bush out of office. Bush is is zero danger of losing the presidency, so WTF is Rush babbling about when he says they won't get Bush like they did with Nixon?

Bush will name Karl Rove, just to see Ted Kennedy's large head explode

Thanks for the post Kzoo. Now if you add non 1st rounder Tom Brady, who played in 1 game and completed 1 pass in 3 attempts for 6 yards with a 42.4 QB rating his rookie year & won the Super Bowl his next season, maybe the Negative Nancys will get off JP's case. One could also look at Kurt Warner, who was in his 2nd NFL season and also won the Super Bowl completing 4 of 11 passes for 39 yards and a 47.2 QB rating as an "NFL Rookie"-I don't buy into the Arenaball & Europe "experience". JP was 3 for 5 32 yards 39.2 rating. Not much worse than the 2 Super Bowl winning QBs the season before they won the Super Bowl. The only struggling I expect from JP is when he struggles to get off the field next February in Detroit with all the reporters wanting to talk to him after he's the winning QB of SBXL

Ali G is the worst show I've ever seen! I have no interest in watching the Rome show on HBO unless they change the format & make it The Jungle.

It's their 6th & 7th, Donahoe is a moron! It's a 3rd, stop trying to read more into the trade than what it is. Donahoe said in the press conference it's a 3rd, end of speculation

If I were choosing to trade with the 49ers or the Eagles, I'm pretty confident I could make the trade knowing the 49ers will be picking before the Eagles. The Titans are rebuilding. The Jags are not. When you are choosing between two teams going in opposite directions, you have a pretty good shot of getting right which team will have the better record. Your % may not be 100%, but saying THERE IS ABSOLUTELY NO WAY OF KNOWING how a team will finish when narrowing it down to 2 teams is absurd. Here are the 3 teams that I believe will be bad this year: Cleveland San Francisco Tennessee I'm pretty confident that I have an absolutely great shot that I can safely predict Jacksonville will be better than any of those 3.

Backup QB for the KC Chiefs. Todd Collins has made millions of dollars watching games the past 7 seasons. The only other player who comes to mind as pocketing $ for watching games is the NFL's all time "Mr. Inactive" Victor Allotey, who also was a member (I couldn't say also played with) both the Bills & KC.

The Colts couldn't get a 1st for Faulk in his prime, so I don't think the RB market is down from prior years. The one thing Faulk & Henry had in common is they both wanted out & had the contract status to pull it off. Getting a 3rd for Henry is better than keeping him as a disgruntled backup for a year & then he leaves for nothing (since we better get a FA or 2 next year which would have negated getting a comp pick for TH) Holmes was the abberation-getting a 4th in midseason for a guy on the last year of his contract.

What about integrity? Once you agree on a deal, it's a done deal (unless your name is Dusty Zeigler). If you run your business by agreeing to deals and then backing out of them after you've given your word, your word is worth nothing. I'd rather pick 10 spots lower than make a promise & break it. Word gets around and nobody trusts you anymore. That's why the whining from some other team when we didn't trade Henry to them on draft day was so laughable-they were never given a promise that the deal was done.

It's amazing that when you read out of town articles on the Bills, half the time there is a factual inaccuracy that mkes you realize how little they know about what they are paid to write about. I'd be embarrassed to put my name on a published article and misstate my incorrect memories as facts. It's one thing if amateurs like us get something wrong, but someone is paying these guys-they should be held to a higher standard. Just today, on the main page I found two statements that were inaccurate. These guys need a fact checker before they go to the presses. The Tennessean: Henry became disgruntled when the Bills drafted Willis McGahee in 2001, then demanded a trade when he lost his starting job to the second-round pick. Fact: McGahee was a 1st round pick in 2003, Henry was the 2nd round pick in 2001. Sun Herald (South Mississippi) Losman was a first-round draft pick out of Tulane in 2004, but missed all of last season with a broken leg. When Buffalo's starting QB from last year, Drew Bledsoe, signed with Dallas in the offseason, Losman ascended to the starting position. Fact: Losman did not miss the entire season. He was the 3rd string QB for the final 8 games and played in several of those games. Technically, his statement about Bledsoe is misleading-Losman was named the starter, Bledsoe was released & then signed with Dallas. The writer's timeframe makes it look like Drew left by choice & the Bills were left with Losman as the starter.

Because the Tennessee 3rd should end up very high 3rd round & Jax won't go beyond a 3rd with a contingent 2nd. Jax pick will be much lower in the round, so even if we go with the contingent 2nd, there's a chance Taylor comes back, puts Henry on the bench & we only get Jax's 3rd when we could have picked 20-25 picks higher with Tennessee's. Take the more certain thing now. I never could figure out why Jax was even negotiating an extension with a better back already there unless they feared Taylor is done, in which case they should have just given us a flat 2. Tennessee on the other hand will upgrade the position with Henry & an extension makes a lot more sense.

He never came on, the host said Mortensen confirmed with league sources that Henry would go to Tennessee by Monday or Tuesday for a straight up pick not contingent pick. (Malta's version may be more accurate since I was typing when they were talking) Most prior reports are 3rd rounder, which if Tennessee is as bad as most people think will be in the mid 60's, almost as good as a late 2nd.