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tonyd19

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Everything posted by tonyd19

  1. I grew up in Southern California and I now reside in Las Vegas. My Dad's entire family is from Lackawanna and I grew up watching the few Bills games we could get in the late 80's and early 90's with him. The great teams were what originally drew me in, along with the Bills being my fathers team, but what kept me a fan was the 4 Super Bowl losses. I think we can kind of all relate to being so close to your dream and not quite get there, yet still have that determination to buck the odd's. Now, everytime I watch the Bills, I can't help but think to myself how satisfying it will be to someday see them win a Superbowl and how much that will mean.
  2. He's a raging anti-Dontite!
  3. The real question is....Can Jasper leap out of a pool from a standing position?
  4. Who would have thought we could have gotten Dareus, Bowers and Mallet without trading any of our picks two months ago? People would have said you were nuts. I have faith that Chan and Buddy know what they are doing....As with everything time will tell.
  5. Spags is the best character on this board! Love the posts. I don't know what's better, Spags posts, or the people who get upset by them! Pricelsss..
  6. You Are A LIAR SIR.....Ralph & Jerry are in fact the same person known around the universe as Jelph. Jelph has been coordinating the fall of the Bills with the US Government ever since Operation Desert Shield! He is trying to secure an intergallactic Army centered around the Cowboys Cheerleanders....The Bills are just getting in the way. As far as your HYPER- BOWL is concerned, Jelph is not interested in this type of intergalatic game until the Bills can actually win the Super Bowl. (Sarcasm obviously intended)
  7. Make sure he is healthy when he comes back. It's not like if he misses a couple of weeks, it will cost us a playoff spot. It only hinders his development slightly and causes the backs and QB to be more cautious. Although, if it is another season ender, that is obviously much more serious.
  8. I totally agree. I live in Las Vegas and it is the same way here.
  9. Paladino killed his chances of winning with his comments about gay marriage, That will never fly with indpendents in New York.
  10. Yes, anyone who works for a broker or insurance company is paid based upon the products they sell. If you want truly objective advice, you should go to a "fee only" registered investment advisory (RIA) firm. By being "fee only" the company has structured their firm to not accept commissions or other compensation of any kind from investment products or providers. They only generate fee's direcrtly from their clients, much like an attorney or a CPA. Your friend may be a nice guy, but I can assure you he has a conflict of interest with the prodcuts he recommends. I know this because I worked at one of the largest insurance companies in the world for three years as a broker, then for one of the largest investment banks in the world before opening my own fee only practice. I can assure you, an independent, fee only RIA is the best business model for clients and true advisors alike. (Just make sure they have a proper custodian!) An added bonus, RIA's are required by law to take a fiduciary oath to their clients. This means they are required by law to always put the clients best interests first. If they do not, they can be sued. Wirehouses (IE - Merrill Lynch, Goldman Sachs, etc.) Take a fiduciary responsibility to the company they represent first. The same holds true for insurance companies and their representatives. I am knot saying there are not good people at these firms, because there are. All I am saying is that if you want accountability and transperancy to be a requirement, don't invest there. That is actually a good point. When you have acquired a great deal of wealth, most families and foundations are much more interested in preservation than growth. At this point it is even more important to invest prudently and have a disciplined apporach. Inflation averages around 3% per year. So to maintain your standard of wealth, you need to make at least that every year, just to maintain the value of your current assets. But there is no need to be reckless with the money by being overly risky. Keep in mind the cost of capital is the expected return. The more expected return, the greater the risk you take....there are no exceptions to this rule. So to preserve wealth, instead of grow it, you simply build a portfolio that takes on less risk, while attempting to generate a smaller return. This will provide income while preserving the original assets over time if done correctly. If you do this correctly, you are being a real investor, not a sepculator, and you will be successful. +10000000000000000
  11. Here are some basic tips from an honest wealth manager. 1) Invest your money with a fee only or fee based firm. Preferably a Registered Investment Advisor, or a large bank like BNY Mellon or JP Morgan Chase that specializes in wealth management (ie- not the Bank of America's or Wells Fargo's of the world.) 2) Stay away from hedge funds, private equity, penny stocks, etc. Unless you have a minimum of 10 million dollars and you have a lot of knowledge about the firm or companies you are investing with....and you understand the much greater risks you are taking. 3) Primarily invest with index funds, ETF's or Dimensional Funds as the base of your portfolio.....the lower the internal cost and turnover ratio, the better the performance is typically over time. 4) Stay away from the large brokerage houses (Merrill Lynch, Morgan Stanley Smith Barney, Etc.)....They are salesman, not advisors. 5) Stay away from insurance companies (ING, Equitable, The Hartford, Etc)....They are salesman, not advisors. 6) If you go with an RIA (Registered Investment Advisor) Make sure your money is held in custody at a large well known custodian like Schwab or Fidelity, if this is not the case, run away....fast. 7) If you go with a large bank, make sure they will sign or disclose that they have a fiduciary responsibility to you as the client, not to the firm....This rule also applies to RIA's. 8) Make sure all compensation arrangements by your advisor are disclosed to you up front. 9) 95% of all of your returns will come from proper asset allocation and diversification. Your advisor will never create wealth, markets do.....always. Your advisor should stay away from active management, as this typically will cost you more money than you will make. 10) If it sounds too good to be true.....it is....always. You should average around an 8% to 9% annual return in a fairly aggressive, well diversfied portfolio. Make sure your expectations are reasonable and attainable. 11) Have your advisor tilt your equity portfolio to smaller value companies. Make sure your debt portfolio has a shorter duration time (no more than 7 years till maturity.) 12) Stay away from speculation and forecasting what the market will do. I can tell you right now, nobody knows what will happen tomorrow (especially the "experts" in financial magaiznes and on television). If you follow the above rules you will go from being a speculator (gambler) to an actual real investor where the long term odds are in your favor.
  12. I glad everyone here is so happy that our starting right tackle is injured, but seriously, who is going to replace him? Green was like the smartest kid on the short bus. We really have nobody behind him. How does this help our team again???
  13. Take it from somebody who has lived in Las Vegas for the last 10 years....NOOOOOOOOOOO. No more Harry Reid, he has done quite enough thank you.
  14. All that matters is the "W" baby!
  15. The only way Chan Gailey is not the head coach of the Buffalo Bills the next two years is if Bill Cowher comes up to Ralph Wilson and begs him for the job (which wouldn't even happen in a parallel universe.) Or Chan gets sick and or dies. Other than that he is our guy for the next few years. I think he will do fine, we all need to step back and let the man do his job. The real evaluation will begin next season.
  16. Funny story...how did you play?
  17. I thought it was the stork?
  18. Where do good QB's come from??? California Baby!
  19. I challenge you to show us one play, just one play, where Lee Evans has gone over the middle and caught a pass more than 5 yards down field while he has been a member of the Bills? I also challenge you to find one play that has not been a go route where he has made a guy miss and broke away for a large gain. I feel pretty confident that you will not find one. Not saying lee is not a good WR, it just does not seem that he is too enthusiastic about contact and making plays over the middle. The little slant pass last week that Evans caught, was the first time I have seem him do that in about 3 seasons. Exactly, it's probably a combination of he's not very good at those routes and hence the coaches do not call his number for them. Lee Evans is a good WR.....But he's no Andre Reed. Now that guy would do what it took to make a play.
  20. From your post it did not seem like you were bashig him, it just seems that in general he is one of the first players to catch heat when things go bad. I thought he played a really good game last week. As I have said, you can't make players be something they are not. It is not Donte's fault he was drafted 8th overall. Guys are who they are, Donte is a good safety who is a dependable and competitive player. He is not a hall of famer, but I'm glad we drafted him. He has faired far better than most of our draft picks have and if he were traded I believe he would be starting for about 30 other teams.
  21. If Andrew Luck or Ryan Mallett or whomever emerges as a top tier QB are their when we pick next year, I think they will have to go that direction. But, if there is a "Jimmy Clausen" type. IE - A guy who not too many people are high on but a lot of the media have projected as a top pick....I think the Bills will pass and fill a different need. But, we need a franchise QB to build around. The offensive line is acutally not to far away and seem to get better every week. We have 3 or 4 good young lineman already who will continue to develop. And everyone whop declares should be there becasue we will most likely have a top 3 pick.
  22. I still don't understand all the hate for Donte. He was the only player in the secondary who made plays last week. He was all over the field making tackles. Yes.....as so many point out, they were "down field" but the dude is a safety....he does not play up on the line of scrimmage, neither does Poz for that matter. Their tackles will mostly all be down field. Anyone who has actually played football at any point should know this. He does run his mouth a little to much, but it's obvious he cares and wants to win. I hope we keep him and get more players like him in the future. All you haters ask yourself this. Just based on Donte's production...If he was an undrafted free agent that played college ball in Western New York, would you still bash him so much? The guy is who he is. He is a quality safety who plays the run very well and is adequate in coverage. He was a reach at 8 overall and has not been a superstar, but he is a quality starter and someone who takes pride in what he does and wants to be a leader for this organization. As fans, we should be rallying behind guys like that, not tearing them down.
  23. Buddy wasn't behind the Maybin pick, Jauron was. Actually, Maybin is everything that Buddy has said he doesn't look for in talent. One year wonder guy, small and speedy. He likes big physical guys on the line of scrimmage. I agree with you on Modrak though....that guy needs to go.
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