Eagles Time Line reset--- pondering Shady's Deal, and a 4-2-5 "Basement Tape"...
Do not adjust your screen or protective cup ... this is a test of the EEB network... We are re-positioning a previous "Shady" blurrger to outwit the recent server migration error which obliterated our Pulitzer Prize-winning essay on the 4-2-5 defensive scheme...
We do this thing... as Brizer completes the final gmish on his Spanish Rabbit Roast...and it's full sail ahead from here...
Shady's Deal is still Cloudy...
I'm not worried about LeSean McCoy's ability to get a contract extension that will pay him feature-back money and keep him happy in 2012... I am a little worried about a possible hold-out through training camp...
T-Bone broke the latest update on the Shady negotiations....
"The Philadelphia Daily News reports the Eagles offered LeSean McCoy a contract extension worth $6 million annually last season...McCoy, of course, turned it down, which could be wise considering Arian Foster's recent five-year extension is worth over $8 million annually. Still only 23 years old, McCoy is currently set to earn $615,000 during the final year of his rookie deal. It would behoove both sides to get an extension done before the start of the season. "
I'm okay with Shady holding out if it results in the extended deal he's looking for in 2012... but there's no guarantee of that happening as we saw in the DeSean Jackson holdout last summer. The Eagles front office does not cave in to stars holding out...
Here's my "exhibit A" for supporting a Shady holdout if necessary: Marion Barber's broken down body at only age 29...and now retired.
Pay the young man now. There's no guarantee of tomorrow in this harsh sport...
Speaking of cruel fate, I apologize to all our EEB readers who witnesed a fresh blurgger vanish before their eyes on Saturday morning. It was a piece called "Eagles quietly installing a 4-2-5 defense..."
No need to rewrite it, I decided. Besides, spies everywhere!
Ironically, the piece got picked up by nearly every major news aggregator, like USA Today.com and Yardbarker.com, but all you get is the headline and a tease of the opening paragraphs...and a link to to a cyberspace station that no longer exists. That's because our network server was migrating all of our work here to a bigger and faster server. Somehow the "4-2-5" piece got lost in the transition.
We'll revisit the subject another day... Besides, it's not as revolutionary a subject as the news services seemed to think. Belichick used it a lot in 2009 and he even used it against the Eagles in the 2006 Super Bowl. The Redskins used it last year against the Packers with very mixed results.
The 4-2-5 concept is simple enough. Instead of 3 linebackers and 2 safeties, you go with 2 linebackers and 3 safeties. We saw a little of that last year when Nnamdi dropped back into a safety position on certain coverages with a linebacker dropping out in coverage, and also when OLB Brian Rolle was basically playing a safety coverage role on certain downs.
Maybe the quickest way to understand the 4-2-5 base defense is to quote coach Johnny Ringo from TCU, which has used the sytem extensively...
In a nutshell:
“We divide our packages into attack groups. The 4 DL & 2 LB’s are one segment of our defense. We align the front 6 and they go one direction. The coverage behind them is what we call a double-quarterback system. We play with 3 safeties on the field. We have a strong, weak and free safety. The free and weak safeties are going to control both halves of the field. They are the quarterbacks and they will make all the calls…
"…In our coverage scheme we are going to divide the formation at the center every snap. We play with 5 defensive backs in the secondary…
"…[If the passing strength is to the defensive left] the FS calls ‘read’ left. The FS is going to talk to the LCB, SS, and the read side LB. The weak safety aligns on the other side and talks to the right corner and right LB…
"…Starting in spring practice, the 1st Monday we teach Cover 2 (Robber). On Tuesday, we teach our Blue coverage (quarters)….On Wednesday we teach squats-&-halves coverage (Cover 5). After that we are done teaching our zone coverages…
"…We don’t worry about formations any more. When you divide the formation down the middle, to each side there are only 3 formations the offense can give the secondary. The offense can give you a pro set, which is a tight end and wideout; a twin set, which is 2 wideouts; or some kind of trips set that the defense will have to defend. That is all they can give you.
"In 3 days we teach our kids to line up in all 3 coverages against those formations…when we start talking about our game play, we never talk about lining up. All we talk about is what the opponent is going to be doing and how we are going to adjust to it.
"Unless the offense lines up in a 3-back wishbone or a no-back set, there are only 3 ways the offense can be aligned and still be sound. Unless we want the coverage to overplay something to one side, we don’t worry about formations….
"…(When we blitz) the secondary doesn’t care what is going on with the front and LB’s. All they know is there is going to be a blitz and both LB’s are going to rush. That tells them they have to cover everybody if there is a pass…
"…If there is a double smoke being run, the FS knows the SS and WS are blitzing off the edge. He has to talk to the 2 LB’s to get them into coverage…
"…In the secondary we have 3 zone coverages. We split the difference in those 3 coverages and it gives us 9 coverages…We can also play cover 25. That means we are playing Cover 2 (Robber) to the FS side and Cover 5 to the weak safety side. The 1st digit in the number is the FS side and the 2nd digit is the weak side…
"…If the offense can’t outrun your defense, they may get some big plays, but there is a chance they won’t score. That is our philosophy…”
That last sentence sums up for me why I think the 4-2-5 is relevant to the Eagles defensive personnel. They're fast enough and quick enough on defense to avoid being outrun...they have big guys in the middle of the line that can stop the run and quick defensive ends on the edges that can rush the pass. They now have a stronger presence at inside linebacker and strong-side linebacker, with the added flexibility of having only 6 men in the box while still rushing the quarterback. Extra pass coverage and tackling support is now allegedly free to come from the 5 guys on the back end.
If the safeties read the offensive play correctly and communicate effectively, you should see a tremendous decrease in the amount of gaping holes and dead coverage zones that were exposed in the early 2011 season with the debut of the "Wide 9" formation.
But it is always prudent to remember Brizer's Law of Scheme: "Great players overcome great schemes..." No defensive scheme is foolproof. Call it a hunch, but judging by the types of personnel the Eagles have been recruiting and promoting over the past two years, I consider them highly 4-2-5 qualified at this point.
Transactions and Notables...
---Patriots sign WR Chad ("Ochocinco") Johnson to a 1-year, $1 mlilion deal with incentives...
---Arizona signs CB William Gay (Steelers) to a 1-year contract, further terms undisclosed...
---New Orleans signs MLB Curtis Lofton to a 5-year, $30 million contract with $9 million guaranteed....
---Denver signs QB Caleb Hanie (Bears) to a 2-year contract, terms undisclosed...
---Buffalo re-signs RB Tashard Choice, terms undisclosed...
---Bengals re-sign DT Pat Sims, terms undisclosed...
---Ravens re-signed ILB and ST specialist Albert McClellan, terms undiscolsed...
---Carolina signed WR Chris Manno (Chiefs, Hofstra), terms undisclosed...
---Arizona re-signed K Jay Feely to a 2-year contract, money terms undisclosed....
---Minnesota re-signed WR Devin Aromashadu to a 1-year deal, terms undisclosed...
---Bengals signed DT/DE Jamaal Anderson (Colts) to a 1-year deal, terms undisclosed...
---New Orleans signed OLB Chris Chamberlain (Rams) to a 3-year contract at $10 million, with $3 milz guaranteed...
---Colts signed WR Donnie Avery (Titans) to a 1-year deal, terms undisclosed...
---Green Bay signed DT Daniel Muir (Colts) to a 1-year deal, terms undisclosed...
---Colts acquired QB Drew Stanton (Jets) and a 7th round draft pick in a trade with Jets for 6th round draft pick in 2012...
---Seattle signed RB Kregg Lumpkin (Tampa Bay) to a 1-year deal, terms undisclosed...
---Atlanta re-signed LS/TE Joe Zelenka to a 1-year deal, terms undisclosed...
---Minnesota re-signed LB Erin Henderson to a 3-year deal, terms undisclosed...
atv i wonder what bank it is that didn't provide you with what we call an amortization chart. it's the ONLY document, aside from the contract you've signed, that will tell you precisely the cost of your mortgage. you have to compare it with the one of the supposed magical new loan, and compare also all costs, fees, and insurance premiums.
other than that, i'm sad to say, there is no way to compare the two. but i'd be wary. i know not what amount is in play, and i don't want to know, but i seriously down that even such a drop in interest would compensate what you pay extra because of the additional 5 years. i find these lengths appalling.
one rule, to remember always : the shorter the loan, the cheaper for you. now if they were willing to renegociate the rate but maintain the duration, that would be interesting to consider.
voilà.
1 Like
Anyone hear if the RB from Tampa was released or is up for auction? Blount is his name I tink...
2 Like
Haha.... It'd my Job, loans.... last place I'd have imagined that topic to be brought up....
1 Like
loans suck... their confusing and the people that you talk to are usually there to confuse you more... present company excluded...
@Spiffo loans are useful. many things couldn't be bought by people if they didn't exist. the laws about loans are more and more severe each year, here, preventing all sorts of catastrophes like your subprime crisis a few years ago. if people don't read what they sign, i don't feel guilty.
1 Like
Kind of got a 'Burning Bush' effect going on there.
I like it. Makes me feel secure.
2 Like
You can designate additional monies monthly towards reducing yur principal. And don't forget that interest payment is deductible whilst reducing principal is not. The smaaartest ploy in today's market ,...low rate and early on reduce yur principal,.if you can afford it. But,..pay attention to yur amort schedule,...because errors can be made,....dopes everywhere. Nite ladies........damnbri.
1 Like
@briviewThat helps. It basically discounts 22% or so, of the interest (so your flushing 80% of that extra money down the toilet, instead of 100%).
TBT,...it really just depends on your long term plans.
If you aren't planning on staying in that house for the remainder of the loan, then ur prob better off wiff da new loan.
If ur planning on staying there for the life of the loan,....then you'd have to consider keeping ur current loan.
2 Like
Seriously though... I do thank everyone for their input... it's a confussing hot mess.... and I think they bank on THAT... I still have my doubts about this, but am leaning towards taking the deal
3 Like
Just got done with the lecture by Broz and Palm........you will be suprised how many people have the same questions that ATV had. I still haven't quie figured it out except that I can somehow specify how much of my mortgage is intended for principal
1 Like
Damn... so I looked again, and used the ammor calc... and found that if I refinance I will drop from $370 going towards principle to $340... but my payment drops by over $300... so iffin I put that savings back into my payment I will almost double the amount going towards principle... does that make sense?
3 Like
Hey Palm,
I sold some car parts this week (thats my gig) to one of your neighbors down there. Shipped to Legends Field in Tampa, cat named Hal Steinbrenner.
Yep, THAT Steinbrenner family. They not only like pinstripes, they must also like Pontiacs!!!!!!
2 Like
I thought of sending some Phillies literature or posters with it but decided against it.
2 Like
w/communication comes knowledge.
Knowledge is light
w/knowledge comes power.
Don't plug your light into Charlie Sheen's power
2 Like
http://bretwhissel.net/cgi-bin/amortize
You can figure it out using this, if you plug in your data. Click "Show Amortization Schedule' before calculating.
You'll notice that after 10 years, you still haven't even payed 20% of the loan off.
After TWENTY years, of a 30 year mortgage, you still haven't even payed HALF off !
Those rat basterds !!!
3 Like
If I keep looking at this bank crap,...BROZ is gonna become da Angriest Assholes on da Earff.
So I'm gonna wartch me some Curb ur Enthusiasm instead !
1 Like
Brozer, Palm, and Abe... sincerest thanks... went online and found that I currently am paying about $380 currently towards principle... I shall just stay put.
3 Like
I'll say it again...!!!..
I come here w./the express intention of talking about football, which is really a very limited view of life.
This is truly a "Full-Service" bored.
No wonder OTI seems so dull to me now.
1 Like
Brozer... a follow up question... if now that I'm past that 5 year mark of most of my payment going towards interest... what percent of my payments going forward would you think will be going to principle? Iffin my payment now is $2,000 do youse think the amount towards principle over the next 25 years be more than $300?
1 Like
@atvcarannhhhh,...IDK,.......I'm sure you can google a million programs that would let you input the principle (assuming it's fixed) and it would show you the curve.
But,...it's always shifting.
We had a mortgage on our first house,....we stayed 7 years, and payed off something like 15 % of it ??
You pay off like 70% of the principal, in the last 10 years or so of the loan. it's crazy.
All Fixed's slide the same way though,....so you could find something to tell you exactly how it does it. And you're loan papers, will tell you what you're payment will be for each of the 30 years of your loan.
1 Like
@atvcar...meaning your loan papers will tell you X amount of dollars goes to princ,..and Y amount is interest....and it breaks it down, for each year, so you can see how much you'll still owe at any given year.
1 Like
@Palm Feathers @Brozer8 @atvcar Broz - misspelt probably made up no way.
It just lists by month:
interest paid principle paid total loan balance
simple as dat
2 Like
ATV - Can you get these peeps to give you an amoriztation (sp) of your current payments and projected over next 25 yrs at new rate? All that is is a list of your payments month by month and where the money goes.
4 Like
I had to drop my 6 pound dog off at "doggie daycare" today, and pick her back up after work.
WTF ?!?!?
My last two dogs (RIP) ate cow turds like eclairs and ran in the woods all day.
Now I'm doing this ?!?!
WTF is next, Doggie Elementary school ?
This whole industry is run/invented by womens.
You combine women, wiff tiny little fluffy dogs,......and some stupid shit is gonna start happening.
1 Like
So, I'll ax my brethern this financial question...Chase sent me a letter today stating that I can now refinance my home (which is severly under water out here in Vegas)... from 5.75 (currently have 25 years left on my mortgage) to 4.5 % fixed for 30 years... with no closing costs. This all seems too good to be true, and I'm hesitant to jump at something that seems a no brainer.... so, I humbly ax youse financial wizards what youse think... do I take the deal?
3 Like
ATV - little help from me is adding $$ to payment to pay off earlier den 25 yrs. My place wasn't that expensive small town large army base. I cut about 5 + years off mine just by adding $100. a month to my payments.
@AbeLinc64 basically I can save about $300 a month... which I then would have to put back into my paymets to offest the extra 5 years... so, the question then becomes will the amount (now that I'm 5 years in) that my current mortgage pays towards principle by more than $300???
3 Like
@atvcarIt's not that simple do,.....there is a trade off. Sure, the interest rate sounds better,...and it is,...assuming there TRULY are no hidden fees or whatever. But remember how loans work: Especially for the first 5 years, ALL you are paying is interest. You're not paying down your mortgage at all (pratically). In years 5-10, you start chipping away.
So, if you re-sign for another 30 years,....you're paying another 5 years, of just interest, where you aren't building equity, and are essentially throwing your money down the drain.
So,....that means for 10 years, you would have been paying almost exclusively interest.
The banks would love to keep re-upping you every 5 years. Then, one day you'll be 60 years old, and you'll still have 28 years left of mortgage payments.
Broz HATES loans of any type.
I'z tried to live my life wiffout them, as much as possible.
It's really robbery, that the interest isn't spread evenly over the course of a loan.
3 Like
....on a side-note, and on an unrelated topic,.....
ATV, I would be pleased to offer you 30,000 dollars for your house,.....after you move out of it,....
......and make 300 EZ-PAY payments of $1999 to me, over the course of 15 years.
..(as long as you roll whatver deficit there is, into your next mortgage)...
If you agree to that, then I'd agree to enter into the "BUY OFF" stage, where you give me the keys,...and 200 thousand dollars,....
AND YOU WALK AWAY SCOTT FREE, WIFF 30 GRAND IN YOUR HANDS !!!!
Just don't let the cops catch youse ! They might arrest you for robbing me !!!
@Palm Feathers @Brozer8 no worries I can afford my current mortgage... I needed that kick in the pants to see the forest from the trees
2 Like
@Brozer8 lemme guess after that you'd like to sell me a bridge... or at least some KY?
2 Like
what he said - seriously.
If you need a lower payment - ehhh.
If all things are equal - I think the last thing a Bank worries about is us.
Besides closing there are Title Fees, possibly a few other fees and some of the banks will value the home at a lower $ than it's worth - asking you for a 'Down-Payment' (not closing fees) to purchase your own home. You'll have a lower mortgage and in addition to what our esteemed collegue from the future says - they get liquid cash and another 5 years of interest.
1 Like
@Palm Feathers @atvcarYeah,...PalmingFatwhores made a good point about them F-ing with the value of your home. Now that those basterds can't give away $500,000 loans to people that can't afford to eat at Red Lobster, they are turning their attention to hard workin' mens and womens,...and trying to gyp THEM out of money.
1 Like
@Palm Feathers Who are you, greatFAT ??? I'm not from da Future.
Dats Bruzer.
I'm from right nows,...and what nots.
Please update your records accordingly.
TYFTP
3 Like
loans are great if your property value climbs like it did 10 years ago ! But if they are stagnant, or declining (like now) then I'd almost rather keep my current loan if I was you, unless you're planning on moving in the next year anyway.....then it really isn't going to matter one way or the other, as long as the principal doesn't change.
1 Like
@Brozer8 finally... that was a counter point I was looking for... now I have something to consider.
1 Like
@Blasphemizer none offered yet... the carrot is only being dangled... yeh, that's what she said.
