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Leadership, Genuine, Meaningful and Productive season articles, I mentioned that 23 of the nation's 119 Division I-A schools (almost 20 percent!) would open the 2005 season with a different head coach than they had finished with in 2004. Are most of the schools better for the change? I won't waste time listing each school's individual record but alphabetically from BYU to Western Michigan, the 23 schools that changed head coaches for the 2005 year went a collective 114-149 (.433) in 2004 with an ATS record of 117-138-2 (.459). Heading into this weekend's action, those 23 schools are a combined 70-91 SU (.435) and 66-88-1 ATS (.429).One of the best lessons I have learned is the impact and importance of leadership. It is so easy to identify dysfunctional leadership in a company (or of a governmental entity!). Many times, the common misconception is that the executives in the “ivory tower” sit around and relax, while the “workers” do all the work. Of course, happy and motivated employees are essential to a company (I still teach that in seminars that I conduct). But I have observed and learned that it is the leadership in an enterprise that makes the difference ... and that is not exclusive to commerce.I am an avid devotee of Right Action, and I believe it is the umbrella for everything worthwhile in life, in our endeavors and, in my opinion, a solemn responsibility of every human being. Power comes not from dictatorship but from respect, logic and compassion ... all given by and returned to a quality leader. The substance of any situation is, of course, important ... but what makes any enterpr If a tree falls in the forest and there is no one around to hear it, does it make a sound? While the overall numbers are pretty similar from last year to this year, here are seven schools that have surely noticed a change, either good or bad. Skip Holtz has East Carolina at 3-3 SU and 5-1 ATS, after the Pirates went 2-9 SU and 5-6 ATS in 2004 (ECU was a combined 3-20 in '04 and '03). Hal Mumme brought his supposed "Air Raid" offense to Las Cruces but the Aggies of New Mexico State are averaging just 14.3 Debt Consolidation Tips – Vital Clues For Easing Debt Burden I've been called many things over 22 years in this business but I've NEVER been called a BCS expert. In all honesty, just who would WANT to be known as one? That being said, we're stuck with the BCS determining college football's national title game matchup and most people are a little nervous these days, as almost EVERYONE is anticipating a Texas/USC or USC/Texas (whichever way you prefer) showdown in this year's Rose Bowl.When you have finally decided to make efforts towards clearing debts and have chosen a popular path by the name of debt consolidation, you must consult to some expert of the field for maximum benefits. We can here offer some debt consolidation tips that may make you more aware of what is necessary required for freeing you from shackles of debts.Debt consolidation implies that you intend to replace higher interest rate debts and for doing so you consolidate debts under a new lender or a settlement agency. So the first tip is choosing the right option out of many available in the debt consolidation market. For instance you can take a lower interest rate debt consolidation loan or a home equity loan which come against your valuable property. If your intention is to get rid of those nagging creditors then you need not to put your home at stake for a new loan and instead, you can pay a monthly amount to a debt settlement agency who will disburse it to your creditors for a fe The first BCS standings were released on October 17 and there were rumors that while USC would be No. 1, consensus No. 2 in the polls Texas, could find itself behind Va Tech in the standings. Those fears were unfounded, as USC and Texas were a solid one-two in the first BCS standings. I pause here for a moment to remind everyone that since the BCS' inception in 1998, the two teams ranked first and second in the initial standings of the year, have NEVER met in the BCS' season-ending title game! Moving on, the second BCS standings were released this past Monday. In somewhat of a surprise, USC fell to No. 2 with Texas moving up to the number one spot. The margin of .0007, was the closest-ever between the first two spots in the standings history. USC owns the nation's longest winning streak at 29 games (Texas has the second-best streak at just 14!), has been ranked No. 1 in the AP poll for 26 consecutive polls (an all-time record) and is the two-time defending national champion but now finds itself at No. 2! For USC fans, it's not as bad as is sounds. USC is comfortably ahead of No. 3 Va Tech and remember, No. 2 is just as good as No. 1 in this 'game', as they both advance to the Rose Bowl. Actually, Texas, which has no more ranked teams on its remaining schedule, is in greater danger of falling out of one the top two spots than USC. The Trojans still have Cal (No. 23 in the BCS), Fresno State (unranked in the BCS but 22nd in the AP and 24 in the coaches' poll) and UCLA (No. 9 in the BCS) on their schedule. Currently, Va Tech is in the "dreaded" No. 3 spot (see USC in 2003 and Auburn in 2004). However, the Hokies play Boston College (BCS No. 12) Thursday night plus still have Miami-Fl (No. 8 in the BCS) and a likely ACC title-game showdown on tap with Florida State on December 3 (No. 11 in the BCS), to boost their computer rankings. Currently, there are SIX unbeatens remaining in college football and it's possible that the year could end with as many as four. Either USC or UCLA has to lose when those teams meet on December 3 and assuming Georgia and Alabama were to remain unbeaten through the end of the regular season, the Bulldogs and Crimson Tide would meet in the SEC title game, dropping one or the other from the ranks of the unbeaten. Speaking of unbeatens, Alabama, Georgia, Texas, UCLA, USC and Va Tech are all 7-0. However, only Texas is a perfect 7-0 ATS. The teams combined ATS mark is 26-16, or 61.9 percent. At the other end of the spectrum, FOUR Division I-A schools enter this weekend's action winless. The list includes Buffalo (0-7), New Mexico State (0-7), Rice (0-6) and Temple (0-8). Of those four, only Rice, at 0-6 ATS, is also winless against the points! The combined ATS mark of the four winless schools is 11-17 or 39.3 percent. Here's an interesting fact. You have often heard me and others refer to the pointspread as the "great equalizer." Here's why? The six unbeatens naturally have a winning percentage of 1.000 and the four winless teams naturally are at .000. However, you'll notice that when you compare the two groups' SU winning percentage versus their ATS percentages, here's what you get. The unbeatens' ATS percentage is .619, a difference of .381. As for the winless teams. the difference between their SU and ATS winning percentage is .393. Pretty darn close! Before leaving this discussion of unbeatens and winless teams, I'd be remiss if I didn't mention both Duke and Purdue (although I'm sure those schools would rather I didn't!). While Texas is the nation's ONLY perfect ATS school, Rice is not the nation's only winless ATS school. Joining the Owls are Duke and Purdue. The Blue Devils are 1-7 SU but 0-7 ATS, beating only VMI in a non-lined game. As for the Boilermakers, they are 2-5 SU but 0-7 ATS, as they won but did not cover against Akron and Arizona to open the year, before losing their last five games both SU and ATS! How are those new head coaches doing? In one of may many preseason articles, I mentioned that 23 of the nation's 119 Division I-A schools (almost 20 percent!) would open the 2005 season with a different head coach than they had finished with in 2004. Are most of the schools better for the change? I won't waste time listing each school's individual record but alphabetically from BYU to Western Michigan, the 23 schools that changed head coaches for the 2005 year went a collective 114-149 (.433) in 2004 with an ATS record of 117-138-2 (.459). Heading into this weekend's action, those 23 schools are a combined 70-91 SU (.435) and 66-88-1 ATS (.429). If a tree falls in the forest and there is no one around to hear it, does it make a sound? While the overall numbers are pretty similar from last year to this year, here are seven schools that have surely noticed a change, either good or bad. Skip Holtz has East Carolina at 3-3 SU and 5-1 ATS, after the Pirates went 2-9 SU and 5-6 ATS in 2004 (ECU was a combined 3-20 in '04 and '03). Hal Mumme brought his supposed "Air Raid" offense to Las Cruces but the Aggies of New Mexico State are averaging just 14.3 PPC Management: When To Give Up On A Loser 07, was the closest-ever between the first two spots in the standings history. USC owns the nation's longest winning streak at 29 games (Texas has the second-best streak at just 14!), has been ranked No. 1 in the AP poll for 26 consecutive polls (an all-time record) and is the two-time defending national champion but now finds itself at No. 2!Pay per click (PPC) advertising can be a dream come true. You can get traffic almost immediately from some PPC search engines. And it can be mighty cheap too. Next to joint ventures, PPC search engines have been responsible for most of my online income. I've gotten some great returns on PPC campaigns. And I know other people who have too.Right now, I have one PPC campaign that's making me $56.69 for every $1 I spend. I know, that's pretty incredible. And it's not typical. But I have another that's making me $8.84 for every $1 I spend. Yet another makes $7.73 for every $1.But I have other campaigns that have lost me money. Making money, instead of losing it, with pay per click search engines involves wise management. There are many different factors that decide whether you'll be in the red or in the black. And you need to be aware of what these are.In fact, there are times that even the best management of your PPC campaign won't save it. Some of them will b For USC fans, it's not as bad as is sounds. USC is comfortably ahead of No. 3 Va Tech and remember, No. 2 is just as good as No. 1 in this 'game', as they both advance to the Rose Bowl. Actually, Texas, which has no more ranked teams on its remaining schedule, is in greater danger of falling out of one the top two spots than USC. The Trojans still have Cal (No. 23 in the BCS), Fresno State (unranked in the BCS but 22nd in the AP and 24 in the coaches' poll) and UCLA (No. 9 in the BCS) on their schedule. Currently, Va Tech is in the "dreaded" No. 3 spot (see USC in 2003 and Auburn in 2004). However, the Hokies play Boston College (BCS No. 12) Thursday night plus still have Miami-Fl (No. 8 in the BCS) and a likely ACC title-game showdown on tap with Florida State on December 3 (No. 11 in the BCS), to boost their computer rankings. Currently, there are SIX unbeatens remaining in college football and it's possible that the year could end with as many as four. Either USC or UCLA has to lose when those teams meet on December 3 and assuming Georgia and Alabama were to remain unbeaten through the end of the regular season, the Bulldogs and Crimson Tide would meet in the SEC title game, dropping one or the other from the ranks of the unbeaten. Speaking of unbeatens, Alabama, Georgia, Texas, UCLA, USC and Va Tech are all 7-0. However, only Texas is a perfect 7-0 ATS. The teams combined ATS mark is 26-16, or 61.9 percent. At the other end of the spectrum, FOUR Division I-A schools enter this weekend's action winless. The list includes Buffalo (0-7), New Mexico State (0-7), Rice (0-6) and Temple (0-8). Of those four, only Rice, at 0-6 ATS, is also winless against the points! The combined ATS mark of the four winless schools is 11-17 or 39.3 percent. Here's an interesting fact. You have often heard me and others refer to the pointspread as the "great equalizer." Here's why? The six unbeatens naturally have a winning percentage of 1.000 and the four winless teams naturally are at .000. However, you'll notice that when you compare the two groups' SU winning percentage versus their ATS percentages, here's what you get. The unbeatens' ATS percentage is .619, a difference of .381. As for the winless teams. the difference between their SU and ATS winning percentage is .393. Pretty darn close! Before leaving this discussion of unbeatens and winless teams, I'd be remiss if I didn't mention both Duke and Purdue (although I'm sure those schools would rather I didn't!). While Texas is the nation's ONLY perfect ATS school, Rice is not the nation's only winless ATS school. Joining the Owls are Duke and Purdue. The Blue Devils are 1-7 SU but 0-7 ATS, beating only VMI in a non-lined game. As for the Boilermakers, they are 2-5 SU but 0-7 ATS, as they won but did not cover against Akron and Arizona to open the year, before losing their last five games both SU and ATS! How are those new head coaches doing? In one of may many preseason articles, I mentioned that 23 of the nation's 119 Division I-A schools (almost 20 percent!) would open the 2005 season with a different head coach than they had finished with in 2004. Are most of the schools better for the change? I won't waste time listing each school's individual record but alphabetically from BYU to Western Michigan, the 23 schools that changed head coaches for the 2005 year went a collective 114-149 (.433) in 2004 with an ATS record of 117-138-2 (.459). Heading into this weekend's action, those 23 schools are a combined 70-91 SU (.435) and 66-88-1 ATS (.429). If a tree falls in the forest and there is no one around to hear it, does it make a sound? While the overall numbers are pretty similar from last year to this year, here are seven schools that have surely noticed a change, either good or bad. Skip Holtz has East Carolina at 3-3 SU and 5-1 ATS, after the Pirates went 2-9 SU and 5-6 ATS in 2004 (ECU was a combined 3-20 in '04 and '03). Hal Mumme brought his supposed "Air Raid" offense to Las Cruces but the Aggies of New Mexico State are averaging just 14.3 Writing e-Newsletters - Tricks of the Trade Florida State on December 3 (No. 11 in the BCS), to boost their computer rankings. Currently, there are SIX unbeatens remaining in college football and it's possible that the year could end with as many as four.Follow 10 simple rules of thumb, and you’ll soon be writing great e-newsletters and reaping the rewards.Company e-newsletters can be an amazingly successful marketing technique. Whether you want to up-sell or cross-sell, establish your brand or establish your authority, or simply reach a wider market, an e-newsletter can do the job for you. You just have to make sure you write it right.Television, radio, and print advertising are often too expensive for many businesses to justify – especially small businesses. Fortunately, there is an alternative. Today’s internet and email technologies make company newsletters a very inexpensive, yet surprisingly effective, form of advertising. When it comes to newsletters, big companies and small are finally competing on a level playing field.So what is an email newsletter?An emailed newsletter serves much the same purpose as a traditional company newsletter. Think of it as a short newspaper – but instead of relat Either USC or UCLA has to lose when those teams meet on December 3 and assuming Georgia and Alabama were to remain unbeaten through the end of the regular season, the Bulldogs and Crimson Tide would meet in the SEC title game, dropping one or the other from the ranks of the unbeaten. Speaking of unbeatens, Alabama, Georgia, Texas, UCLA, USC and Va Tech are all 7-0. However, only Texas is a perfect 7-0 ATS. The teams combined ATS mark is 26-16, or 61.9 percent. At the other end of the spectrum, FOUR Division I-A schools enter this weekend's action winless. The list includes Buffalo (0-7), New Mexico State (0-7), Rice (0-6) and Temple (0-8). Of those four, only Rice, at 0-6 ATS, is also winless against the points! The combined ATS mark of the four winless schools is 11-17 or 39.3 percent. Here's an interesting fact. You have often heard me and others refer to the pointspread as the "great equalizer." Here's why? The six unbeatens naturally have a winning percentage of 1.000 and the four winless teams naturally are at .000. However, you'll notice that when you compare the two groups' SU winning percentage versus their ATS percentages, here's what you get. The unbeatens' ATS percentage is .619, a difference of .381. As for the winless teams. the difference between their SU and ATS winning percentage is .393. Pretty darn close! Before leaving this discussion of unbeatens and winless teams, I'd be remiss if I didn't mention both Duke and Purdue (although I'm sure those schools would rather I didn't!). While Texas is the nation's ONLY perfect ATS school, Rice is not the nation's only winless ATS school. Joining the Owls are Duke and Purdue. The Blue Devils are 1-7 SU but 0-7 ATS, beating only VMI in a non-lined game. As for the Boilermakers, they are 2-5 SU but 0-7 ATS, as they won but did not cover against Akron and Arizona to open the year, before losing their last five games both SU and ATS! How are those new head coaches doing? In one of may many preseason articles, I mentioned that 23 of the nation's 119 Division I-A schools (almost 20 percent!) would open the 2005 season with a different head coach than they had finished with in 2004. Are most of the schools better for the change? I won't waste time listing each school's individual record but alphabetically from BYU to Western Michigan, the 23 schools that changed head coaches for the 2005 year went a collective 114-149 (.433) in 2004 with an ATS record of 117-138-2 (.459). Heading into this weekend's action, those 23 schools are a combined 70-91 SU (.435) and 66-88-1 ATS (.429). If a tree falls in the forest and there is no one around to hear it, does it make a sound? While the overall numbers are pretty similar from last year to this year, here are seven schools that have surely noticed a change, either good or bad. Skip Holtz has East Carolina at 3-3 SU and 5-1 ATS, after the Pirates went 2-9 SU and 5-6 ATS in 2004 (ECU was a combined 3-20 in '04 and '03). Hal Mumme brought his supposed "Air Raid" offense to Las Cruces but the Aggies of New Mexico State are averaging just 14.3 Getting Grandma & Grandpa to Use Email II d as the "great equalizer." Here's why? The six unbeatens naturally have a winning percentage of 1.000 and the four winless teams naturally are at .000. However, you'll notice that when you compare the two groups' SU winning percentage versus their ATS percentages, here's what you get. The unbeatens' ATS percentage is .619, a difference of .381. As for the winless teams. the difference between their SU and ATS winning percentage is .393. Pretty darn close!Many years ago, I spent quality time with aunts, uncles and grandparents. My grandparents went to church and read the Bible. They worked hard and they lived a hardy life. Those are the lives grandchildren want and need to know about. I truly enjoy writing email to friends and relatives that have been around all my life, and my grandchildren get a kick out of reading about the things we did. There may be changes in the world, but people are still people.In 1973 a couple of my cousins joined with 21 other members of my mothers family and wrote a genealogy book. It's something that I've enjoyed reading. For each member of the family, there is a blurb written about things they did in their lives. Under my great grandpa it told about him moving west and homesteading in Iowa. His family, from the old country were wealthy. But, where he was born and raised in West Virginia, he never go a chance to learn to read or write, and neither did his wife. They came to Iowa in a covered Before leaving this discussion of unbeatens and winless teams, I'd be remiss if I didn't mention both Duke and Purdue (although I'm sure those schools would rather I didn't!). While Texas is the nation's ONLY perfect ATS school, Rice is not the nation's only winless ATS school. Joining the Owls are Duke and Purdue. The Blue Devils are 1-7 SU but 0-7 ATS, beating only VMI in a non-lined game. As for the Boilermakers, they are 2-5 SU but 0-7 ATS, as they won but did not cover against Akron and Arizona to open the year, before losing their last five games both SU and ATS! How are those new head coaches doing? In one of may many preseason articles, I mentioned that 23 of the nation's 119 Division I-A schools (almost 20 percent!) would open the 2005 season with a different head coach than they had finished with in 2004. Are most of the schools better for the change? I won't waste time listing each school's individual record but alphabetically from BYU to Western Michigan, the 23 schools that changed head coaches for the 2005 year went a collective 114-149 (.433) in 2004 with an ATS record of 117-138-2 (.459). Heading into this weekend's action, those 23 schools are a combined 70-91 SU (.435) and 66-88-1 ATS (.429). If a tree falls in the forest and there is no one around to hear it, does it make a sound? While the overall numbers are pretty similar from last year to this year, here are seven schools that have surely noticed a change, either good or bad. Skip Holtz has East Carolina at 3-3 SU and 5-1 ATS, after the Pirates went 2-9 SU and 5-6 ATS in 2004 (ECU was a combined 3-20 in '04 and '03). Hal Mumme brought his supposed "Air Raid" offense to Las Cruces but the Aggies of New Mexico State are averaging just 14.3 Boost Your Self-Confidence With These Beauty Tips season articles, I mentioned that 23 of the nation's 119 Division I-A schools (almost 20 percent!) would open the 2005 season with a different head coach than they had finished with in 2004. Are most of the schools better for the change? I won't waste time listing each school's individual record but alphabetically from BYU to Western Michigan, the 23 schools that changed head coaches for the 2005 year went a collective 114-149 (.433) in 2004 with an ATS record of 117-138-2 (.459). Heading into this weekend's action, those 23 schools are a combined 70-91 SU (.435) and 66-88-1 ATS (.429).In order to look beautiful, more and more people are into trying and using products that can damage their skin and can even affect their overall health. Before trying drastic moves in order to achieve physical comeliness, try these beauty tips and regiments that can help you achieve that physical beauty you’ve always desired.1. Solve your “mane” issues. Hair is indeed every person’s crowning glory. If you want to look your best, try choosing a hairstyle that would complement the shape of your face.You can do this by going to a salon and asking for a beautician or a stylist’s advice. Straight, curly, long, or short hair cut with different styles would definitely bring out the best in you.You can also ask the stylist to do hairstyle variations for you. If you want to be more daring, try putting color on your hair that would complement your complexion. Make sure that you ask for the service of a stylist so you wont damage your hair.Aside from getting a If a tree falls in the forest and there is no one around to hear it, does it make a sound? While the overall numbers are pretty similar from last year to this year, here are seven schools that have surely noticed a change, either good or bad. Skip Holtz has East Carolina at 3-3 SU and 5-1 ATS, after the Pirates went 2-9 SU and 5-6 ATS in 2004 (ECU was a combined 3-20 in '04 and '03). Hal Mumme brought his supposed "Air Raid" offense to Las Cruces but the Aggies of New Mexico State are averaging just 14.3 PPG and are 0-7 SU and 2-5 ATS after going 5-6 (6-5) in 2004. Mike Gundy took over at Oklahoma State and the Cowboys are 3-4 SU (wins have come over I-AA Montana State, Fla Atlantic and Ark St) and 1-5 ATS, following a 7-5 (7-5) 2004. Greg Robinson got his first head coaching job, after 30 years in the business, at Syracuse this year. However, his mid-season report card is not good, as the Orange are 1-6 SU and 2-5 ATS after going 6-6 (8-4) in Paul Pasqualoni's final year (had 11 winning seasons in 14 years at Syracuse!).Utah set the college football world on its ear in 2004, becoming the first non-BCS conference school to get a BCS bowl bid and finished 12-0 (10-2 ATS). However, Urban Meyer left for Florida (where he's a disappointing 5-2 SU and 3-4 ATS) with former DC Kyle Whittingham taking over for the Utes and going just 4-4 and a pathetic 1-7 ATS so far in 2005. Things are looking up in Kalamazoo these days (try writing that with a straight face!), as Bill Cubit in his first year as a Division I-A head coach, has the Broncos 4-3 SU and 2-4 ATS after the school finished 2004 at 1-10 (3-7). I haven't forgotten about Charlie Weis and Notre Dame, I just left them until last. Weis, with none of his own recruits, took over an offense that had finished 108th in the nation in total offense in 2002, 90th in 2003 and 81st in 2004. After seven games of the 2005 season, Notre Dame is 8th in total offense (492.7 YPG), 12th in scoring (37.9 PPG) and 5-2 SU (6-1 ATS). After going 6-6 SU and ATS in 2004 plus 5-7 SU (4-8) in 2003, Weis has the Irish ranked 9th in the latest AP poll, 10th in the latest coaches' poll and 15th (?) in the latest BCS standings. He's got a QB (Brady Quinn) that's breaking Notre Dame passing records on a weekly basis and would be the Heisman front-runner if not for two guys from USC and a QB from Texas named Young. Most importantly, he's got the Irish in line for a BCS bowl bid, if he can win-out. Out of respect to the Willingham family, I won't mention how Notre Dame's former head coach is doing in Washington. On second thought, I don't know him or any one in his family, so what the heck. Willingham has the Huskies 1-6 SU and 2-4 ATS through seven games, with his lone win coming over an Idaho team which is 1-6. In fairness to Ty, he inherited a team that was 1-10 (3-7) in 2004.
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