WalterFootball.com - Detailed NFL Mock Drafts, Player Prospect Rankings, and One of the Largest Mock Draft Databases on the Web

NFL Picks Against the Spread: Week 16, 2012



NFL Picks (Preseason 2012): 6-9-1 (-$1,440)
NFL Picks (Week 1, 2012): 3-13 (-$2,250)
NFL Picks (Week 2, 2012): 8-7-1 (+$430)
NFL Picks (Week 3, 2012): 7-9 (+$70)
NFL Picks (Week 4, 2012): 7-8 (+$640)
NFL Picks (Week 5, 2012): 7-7 (-$340)
NFL Picks (Week 6, 2012): 9-5 (+$1,670)
NFL Picks (Week 7, 2012): 7-5-1 (+$420)
NFL Picks (Week 8, 2012): 6-8 (-$450)
NFL Picks (Week 9, 2012): 8-6 (+$240)
NFL Picks (Week 10, 2012): 8-6 (+$730)
NFL Picks (Week 11, 2012): 6-7-1 (+$110)
NFL Picks (Week 12, 2012): 5-9-2 (-$1,080)
NFL Picks (Week 13, 2012): 8-7-1 (-$420)
NFL Picks (Week 14, 2012): 8-8 (-$1,110)
NFL Picks (Week 15, 2012): 5-11 (-$1,480)

NFL Picks (2012): 108-125-7 (-$4,260)
NFL Picks (2011): 137-133-12 (-$1,925)
NFL Picks (2010): 144-131-8 (+$6,080)
NFL Picks (2009): 151-124-9 (+$3,370)
NFL Picks (2008): 136-125-6 (+$4,330)
If you don't quite understand the line, total or anything else, go to my Sports Betting FAQ.


Vegas betting action updated Dec. 23, 11:25 a.m. ET. Follow @walterfootball for updates.


Go to Week 16 NFL Picks - Early Games



Cleveland Browns (5-9) at Denver Broncos (11-3)
Line: Broncos by 12. Total: 43.5.

Las Vegas Hilton Advance Point Spread: Broncos -9.5.
Walt's Projected Line (Before Week 15): Broncos -11.
Walt's Projected Line (After Week 15): Broncos -11.
Sunday, Dec. 23, 4:05 ET
Discuss Week 16 Games, Talk Trash

The Game. Edge: Broncos.

Week 16 NFL Picks will be posted all day Wednesday, per the new schedule. I've received mix reaction to this, so voice your opinion via e-mail or in the comment box below. Follow me @walterfootball for updates.

Jerks of the Week for Dec. 17, 2012 is up, so just click the link. This week's jerks are Jerks of Black Friday.

DENVER OFFENSE: The Broncos are humming along, but the one concern with their offense right now is pass protection. Peyton Manning has taken five sacks in the past two games. That doesn't sound like a lot, but to illustrate how bad that is, Manning was sacked just three times between Weeks 4 and 10. Manning gets rid of the ball so quickly, so that five could be a double figure if Denver had an average signal-caller at the helm.

The good news for the Broncos is that guard Chris Kuper is expected to be back in the lineup. Kuper has sorely been missed; the pass protection breakdowns have coincided with his ankle injury. His return is important this week because the Browns are actually tied for seventh in sacks (36). They don't have a dominant pass-rusher, but they get their pressures from so many different places that it'll be crucial that the Broncos have all hands on deck to protect their MVP candidate.

If Manning has time in the pocket this week, he'll be able to torch the Browns. Cleveland looked pathetic trying to cover Kirk Cousin's receivers Sunday. The team used to be ranked in the top 10 in terms of stopping the pass, but losing stud safety T.J. Ward has been huge. Joe Haden is still there, and he'll likely take Demaryius Thomas away, but Manning will just target one of his many other options. Of course, he could just hand the ball off to a red-hot Knowshon Moreno, who will trample a stop unit that has allowed 119.3 rushing yards per contest over the past three weeks.

CLEVELAND OFFENSE: I think I'm being a bit obvious here when saying that this game features a mismatch at the quarterback position. Manning's playing out of his mind, while Brandon Weeden continues to be inconsistent. The geriatric rookie struggled immensely against the Redskins. His final numbers don't look too bad - 21-of-35, 244 yards, one touchdown, two interceptions - but he was just 19-of-31 for 166 yards and the pair of picks once Washington went up 31-14 in the second half and put that game out of reach.

It's pretty alarming that Weeden played this poorly against a Redskin defense that isn't that good. I know that Washington's stop unit has improved recently, but I still wouldn't call it a top-10 defense. The Broncos have one of those though, ranking near the top of nearly every major statistical category, including pass defense (6th; 6.58 YPA) and sacks (2nd; 42). Weeden doesn't stand a chance against that.

Trent Richardson won't have much success either. Denver is third versus ground attacks, limiting its previous three opponents to 64 rushing yards or fewer. Richardson has been great at powering into the end zone from near the goal line, but his yards-per-carry average has been abysmal of late, so don't expect him to make things easier for Weeden.

RECAP: I don't know what happened to the Browns last week. They had been playing so well, but they fell apart against the Redskins. Perhaps they just didn't respect Washington without Robert Griffin. If they play up to their capabilities, they should be able to cover this spread. It's just way too many points for a quality defensive Cleveland squad.

FINAL THOUGHTS: I'm putting a unit on the Browns. The top guys in the SuperContest are picking them. Plus, check out Manning's poor record as a huge home favorite.


The Psychology. Edge: None.
No psychological edge found.


The Vegas. Edge: None.
There was lots of action on the host until it evened out.
  • Percentage of money on Denver: 56% (31,000 bets)


    The Trends. Edge: Browns.
  • Browns are 17-7 ATS after allowing 30 or more points since 2005.
  • Peyton Manning is 2-6 ATS as a non-divisional home favorite of 12+.
  • Opening Line: Broncos -12.
  • Opening Total: 44.5.
  • Weather: .


    Week 16 NFL Pick: Broncos 30, Browns 24
    Browns +12 (1 Unit) -- Incorrect; -$110
    Over 43.5 (0 Units) -- Correct; $0
    Broncos 34, Browns 12






    New York Giants (8-6) at Baltimore Ravens (9-5)
    Line: Giants by 1. Total: 47.

    Las Vegas Hilton Advance Point Spread: Ravens -1.5.
    Walt's Projected Line (Before Week 15): Giants -1.
    Walt's Projected Line (After Week 15): Ravens -1.
    Sunday, Dec. 23, 4:15 ET
    Discuss Week 16 Games, Talk Trash

    The Game. Edge: Giants.

    It's time for some Migelini Madness! NFL.com sucks. They no longer have their regular GameCenter chat format; they installed a Facebook chat app instead, which really blows. This means that we won't be hearing from our favorite idiots anymore. No more pervy Aaron3619. No more stupid Migelini. No more childish Taton. No more insane Farim.

    Well, I'm taking a stand against this via two methods. First, I have hundreds of unused GameCenter comments saved up, so I have enough to survive for a few more years. Second, I plan on re-creating our favorite GameCenter characters and having them troll the Facebook posters in the app. I made a Migelini account and my girlfriend, Awesome Girl Who Loves Football, who was once harassed by Aaron3619, is the new Aaron. Feel free to re-create other ones!

    Perhaps I should ask Mario Migelini to make predictions on this site because his are much better than mine:



    Eric Hoffman asks, "What's up with the word worster?" Good question. I feel like this needs to be added to dictionaries for illiterate people like Mario. It'll make them feel better about themselves!

    Mario might be great at picks, but he sucks at geography:



    Thanks for the geography lesson, Douglas Lopes! I really appreciate it!

    Let it be known that Mario was the first person to predict that Ruskell Wilkens would win MVP:



    I love the legitimate conversation my post sparked. It's great that so many people take me seriously.

    BALTIMORE OFFENSE: I don't know why I didn't bet more against the Ravens last week because I called it: "The firing of Cam Cameron could actually be detrimental - at least this week. New offensive coordinator Jim Caldwell has never called plays before, so he's going to be learning something new on the fly. That's never good."

    Indeed, the Ravens sputtered. By halftime, Joe Flacco was just 7-of-15 for 78 yards, a lost fumble and a pick, which was returned 98 yards by Chris Harris for a touchdown. Flacco, who telegraphed that throw, simply looked completely lost all afternoon. Ray Rice, meanwhile, had just 15 touches, none of which came on third down. That's just unbelievable. How do you not put the ball into the hands of a guy who converted a 4th-and-29? It's like Cameron never left.

    Caldwell will learn from his mistake and give Rice more opportunities. That much we (probably) know. The Falcons, who struggle to run the ball, just gashed the Giants for 133 rushing yards, so Rice will have plenty of success on the ground. This will make things easier for a capsizing Flacco, who needs all the help he can get right now, given that he might be without his top receiver Torrey Smith, who suffered a concussion Sunday. As if running plays from a new offensive coordinator was hard enough.

    NEW YORK OFFENSE: The Giants were miserable offensively as well last week. They scored no points, as they had immense difficulty converting third and fourth downs. Eli Manning, who is normally the master of moving the chains in those situations, was just 4-of-13, including 0-of-3 on fourth down. The problem was the absence of Ahmad Bradshaw. David Wilson is a talented rookie, but the coaching staff didn't trust him on third downs, opting instead to go with someone named Kregg Lumpkin in those spots.

    Bradshaw has vowed that he'll play in this game, but it doesn't matter what he says because he needs to be cleared by team doctors first. He'll need to be on the field for third downs, but either running back should be able to gash a decrepit Baltimore ground defense that has allowed 305 rushing yards to its previous two opponents. Ray Lewis figures to be back in the lineup, but he was completely ineffective in run support prior to his injury. Plus, he's almost definitely not anywhere near 100-percent physically.

    Lewis' presence will be felt in the passing game. Though his physical skills have eroded, he's still very valuable to the Ravens on the field because of his mind. He knows exactly what's going on and will be able to put his supporting cast in the right spots to succeed. The problem is that his supporting cast isn't as good as it used to be. Terrell Suggs isn't even close to 100 percent because he's injured. Several other players are out of the lineup. Baltimore's defense is a mess, so Eli Manning should be able to have a nice bounce-back performance.

    RECAP: I had trouble making up my mind about this. The Giants are coming off a humiliating loss, which bodes well for them, but Baltimore is in a position of being a home underdog following a home dog loss - a very lucrative "bet-on" situation.

    Ultimately, I looked closely at both teams, and I recalled that the Ravens aren't good at all. They've dropped three in a row. Before that, they should have lost to the Chargers and Steelers, but didn't because of the 4th-and-29 "conversion" and Byron Leftwich's rib injury, respectively. The Giants are the superior squad, and in a must-win game for both teams, they should prevail.

    FINAL THOUGHTS: I'm staying with a lean on the Giants.


    The Psychology. Edge: None.
    A must-win game for both teams.


    The Vegas. Edge: Ravens.
    The Ravens are a public home underdog.
  • Percentage of money on New York: 80% (52,000 bets)


    The Trends. Edge: .
  • Giants are 35-14 ATS on the road since 2006 as long as they're not favored by 3.5 or more.
  • Eli Manning is 26-12 ATS as an underdog since 2007. ???
  • John Harbaugh is 6-1 ATS following a loss of 10+.
  • Opening Line: Ravens -1.
  • Opening Total: 47.
  • Weather: .


    Week 16 NFL Pick: Giants 24, Ravens 17
    Giants -1 (0 Units) -- Incorrect; $0
    Under 47 (0 Units) -- Push; $0
    Ravens 33, Giants 14






    Chicago Bears (8-6) at Arizona Cardinals (5-9)
    Line: Bears by 6.5. Total: 36.5.

    Las Vegas Hilton Advance Point Spread: Bears -6.5.
    Walt's Projected Line (Before Week 15): Bears -7.
    Walt's Projected Line (After Week 15): Bears -6.5.
    Sunday, Dec. 23, 4:15 ET
    Discuss Week 16 Games, Talk Trash

    The Game. Edge: Bears.

    I can't wait until we have a whole army of former GameCenter personalities harassing people on Facebook. That's what NFL.com gets for getting rid of the GameCenter chat. My girlfriend is the new Aaron.

    Check out how many random accounts confused normal people here. And no, I don't own any of these accounts, save for Mario Migelini.

    I'm a fan of when people freak out and say racist things about my trolling buddies, so here's another post from Victor Valentino:



    Thanks, Killa City Chiefs!

    Here's a post where people spazzed about Carmine Cavinato's spelling:



    I love the irony behind James Bjorklund's post. Did he really need to press the caps lock button?

    This is a short one:



    It's amazing how many people take us so seriously. If only they read this Web site...

    Oh, and I have to show you this:



    I'm very excited about this new troller! I can't wait for people to begin responding to Marty Millen.

    ARIZONA OFFENSE: Remember when the Bears forced tons of takeaways per game and scored on enough of them to help beat the opposition? They haven't done much of that lately. They're still ranked first overall in turnovers forced, but they're just tied for 16th with a bunch of teams in that department over the past three weeks.

    A major part of the reason for Chicago's defensive collapse has been injuries. Everyone will point to Brian Urlacher, but the two more significant players who are out of the lineup are cornerback Tim Jennings, the NFL's leader in interceptions, and defensive tackle Henry Melton, the team's top pass rusher (yes, even better than Julius Peppers). Melton's status is up in the air, but Jennings is tentatively expected to play. His return would be huge, as he could pad his pick stats against the worst quarterback group in the NFL (yes, even worse than the Jets').

    Playing the Cardinals is exactly what the doctor ordered for the Bears. Arizona's pitiful offensive line has no prayer of blocking anyone, let alone Chicago's front. If the Cardinals move the ball, it'll be via fluky plays. I just don't see how they can possibly maintain consistent drives against the Bears.

    CHICAGO OFFENSE: The Bears have their own offensive line issues. They've surrendered 41 sacks on the year, which includes four to Green Bay this past week. The Packers had Clay Matthews back in the lineup, which was terrible news for Jay Cutler. Fortunately for Cutler, he gets some good news here in that Arizona's pass rush has sputtered of late, accumulating only 10 sacks in the past six weeks.

    Poor blocking is just one of the two issues Chicago's scoring attack is having right now. The other is that Cutler has only one viable downfield option. He has to keep locking into Brandon Marshall because the other receivers keep screwing up. For instance, Alshon Jeffery was whistled for three offensive pass interferences against the Packers, while Devin Hester was responsible for an interception because he ran a poor route.

    Luckily, the Bears won't have to completely rely on Cutler's arm to win this game. They can just hand the ball off to Matt Forte, who will find plenty of huge running lanes against an Arizona defense that has surrendered a ridiculous 175 rushing yards per contest over the past four weeks.

    RECAP: The Bears have struggled against superior opponents this year, but they've beaten all of the lesser foes they've battled. That trend should hold up, as Arizona's quarterbacks will prove to be no match for Chicago's defense.

    Having said that, I'm not betting on this game, only because the Bears could be flat coming off an emotional loss to the Packers.

    FINAL THOUGHTS: I would have put a unit or two on the Cardinals last week, but I'm trying to handicap like I did in 2010.


    The Psychology. Edge: Cardinals.
    The Bears just suffered an emotional loss to the Packers.


    The Vegas. Edge: Cardinals.
    No surprise bettors are all over the Bears.
  • Percentage of money on Chicago: 81% (34,000 bets)


    The Trends. Edge: Cardinals.
  • Bears are 11-29 ATS in December road games the previous 40 instances.
  • Cardinals are 23-8 ATS in December home games since 2000.
  • Cardinals are 18-7 ATS at home as underdogs or favorites of less than -3 under Ken Whisenhunt.
  • Opening Line: Bears -5.5.
  • Opening Total: 37.5.
  • Weather: .


    Week 16 NFL Pick: Bears 27, Cardinals 0
    Bears -6.5 (0 Units) -- Correct; $0
    Under 36.5 (0 Units) -- Incorrect; $0
    Bears 28, Cardinals 13








    San Francisco 49ers (10-3-1) at Seattle Seahawks (9-5)
    Line: Seahawks by 1. Total: 40.

    Las Vegas Hilton Advance Point Spread: 49ers -2.
    Walt's Projected Line (Before Week 15): Seahawks -1.
    Walt's Projected Line (After Week 15): Seahawks -1.
    Sunday, Dec. 23, 8:20 ET
    Discuss Week 16 Games, Talk Trash

    The Game. Edge: 49ers.

    This week on Monday Sunday Night Football, we're going to have Al Michaels and Cris Collinsworth calling the shots instead of the great preseason homers like Kevin Reilly and Don Tollefson, inept ESPN guys Emmitt and Matt Millen, annoying guys like Charles Davis and senile guys like Bob Greise. Here's what it would sound like if those five clowns were calling this game:

    Al Michaels: Welcome to a rainy night in Seattle, where the Seahawks take on the 49ers! I'm Al Michaels, joined by Cris Collinsworth. Cris, the Seahawks have a great spread record at home. Would you say my five-unit bet is safe? I also teased Seattle and the under. What do you think?

    Cris Collinsworth: Ohhhh I don't knowww, Alllll!!! This 49errr team is loooookin' reeealllyyy good lately.

    Michaels: Damn it, Cris. Should I parlay the 49ers and the over? Or... wait, who are you?

    Kevin Reilly: Who am I? Who are you? I was called in to do this game for NBC. Now get out of my chair, old man!

    Michaels: Old man? I'm Al Michaels, the greatest announcer of all time. And I certainly don't need an entourage like you do. What do you have, like six broadcasting partners?

    Reilly: Ugh, these idiots were assigned to me. I don't need them. I can do this all by myself. Now, who's playing? Like it matters since my Eagles aren't involved.

    Griese: Eagles? I went to an Eagles' concert last night... weh?

    Reilly: See what I mean, Al? It would be so much better if it were just me and Emmitt.

    Emmitt: Ronald, I am please to heard that you valuable myselves as a broadcastin'. However, the other men on this crew also have valuable as well.

    Michaels: This is your best broadcasting partner? Emmitt can't even put a simple sentence together!

    Millen: Now, you listen here, Al. You're being very rude. And you don't even deserve to be rude. You are not 100-percent USDA Man, and only 100-percent USDA Men get to say that sort of thing. Heck, you're not even 5-percent USDA Man. I would never want to share any of my kielbasas with you - not even the old, rotting ones.

    Tollefson: You tell him, Matt! I wouldn't want to share any of the 10 women I have tied up in my bedroom with him either!

    Davis: I wouldn't either. Tolly, I've done inventory of your supplies. There's Sandy, she's tall and has brown hair. There's Cindy, she's a bit portly but she'll get the job done. Don't forget about Mindy. I'm not even sure if she's legal. How about Rosa? She's a blonde beauty. What about Rydia? Her hair is green, but she's sassy and lean. And then there's...

    Michaels: What? Those are video game characters, you fool!

    Reilly: You know, Al? I'm starting to like you. We'll be back after a word from our local sponsors!

    SAN FRANCISCO OFFENSE: These NFC West coaches know what they're doing. While convention wisdom said that Alex Smith should retain his job, and countless, clueless analysts on ESPN like Woody Paige cited the terrible adage that you can't lose a job because of an injury - if this were true, Drew Bledsoe would have remained the quarterback of the Patriots instead of Tom Brady - Jim Harbaugh made the correct call. Going with Colin Kaepernick was the correct move. There's just no doubt about that.

    While Smith was an economical passer under Harbaugh, he hardly possessed the throwing talent to make defenses respect the deep ball. In fact, Kaepernick reached Smith's completions mark of 20-plus yards in nearly a third of the attempts. Kaepernick had five completions of 24 yards or more in the impressive Sunday night victory at New England. The Seahawks rank fifth against the pass (6.3 YPA), but they happen to be missing one of their stud cornerbacks, so Kaepernick should be able to expose them on occasion.

    Something else Kaepernick can do that Smith is just incapable of is beat the opposition with a long scramble. Kaepernick's read-option with Frank Gore is deadly, and it'll be particularly effective against the Seahawks, who have surrendered five yards per carry over the past month.

    SEATTLE OFFENSE: Of course, the Seahawks have their own dangerous multi-threat quarterback. Russell Wilson has grown leaps and bounds since struggling at San Francisco back in Week 7, going 9-of-23 for 122 yards and an interception. He has just three turnovers since compared to 16 touchdowns.

    The 49ers will attempt to rattle Wilson with pressure, particularly with Aldon Smith, who has 19.5 sacks on the year. However, Wilson is exceptional at navigating the pocket and buying time for himself so that he can find an open receiver or scramble for yardage. He was sacked only twice in that aforementioned Week 7 affair.

    San Francisco surrendered 126 rushing yards in that victory, but that was back when they were struggling to stop the run; they were fresh off of giving up 151 yards on the ground to the Giants just a few days earlier. However, the last time the 49ers have permitted 100-plus rushing yards was back in Week 10, so they'll be better prepared to stop Marshawn Lynch this time.

    RECAP: I love betting the Seahawks at home if they're either a small favorite or an underdog. They're just so dominant as hosts.

    There's more to this bet than just blind Seattle home-game wagering. The 49ers just won an emotional statement game at New England. They have the division pretty much wrapped up. This is a much more important contest for the Seahawks; it's their turn to prove to everyone that they should be mentioned among the league's elite teams.

    FINAL THOUGHTS: I still like the Seahawks enough to bet three units on them.


    The Psychology. Edge: Seahawks.
    The 49ers just won an emotional game. The Seahawks, meanwhile, will want to make a statement with a victory.


    The Vegas. Edge: None.
    Equal action.
  • Percentage of money on Seattle: 58% (32,000 bets)


    The Trends. Edge: Seahawks.
  • History: Home Team has won 6 of the last 7 meetings.
  • Seahawks are 18-5 ATS as home favorites since 2007.
  • Opening Line: Seahawks -2.5.
  • Opening Total: 40.
  • Weather: .


    Week 16 NFL Pick: Seahawks 20, 49ers 17
    Seahawks -1 (3 Units) -- Correct; +$300
    Under 40 (0 Units) -- Incorrect; $0
    Seahawks 42, 49ers 13



    Week 16 NFL Picks - Early Games
    Falcons at Lions, Raiders at Panthers, Saints at Cowboys, Titans at Packers, Vikings at Texans, Bills at Dolphins, Redskins at Eagles, Bengals at Steelers, Rams at Buccaneers, Patriots at Jaguars, Colts at Chiefs, Chargers at Jets


    Prop/Teaser/Parlay Picks
    A list of some of my favorite team/player prop picks this week
    (Offense & defensive ROY picks to be counted whenver winners are announced.) Picks carried over on a week-to-week basis will be in black.


  • Teaser: Saints +8.5, Ravens +8.5 (2 Units) -- Correct; +$200
  • Moneyline Underdog: Bills +185 (0.5 Units) -- Incorrect; -$50

    Leave a comment

    Name
    Comment
    Verification:
    click on image to refresh it
     
    Rosalinda 03-07-2014 07:27 am xxx.xxx.xxx4.77 (total posts: 1)
    2     1

    What is Maggie's case worth? That may not be as easy to determine as Quotes Chimp looks. Computing her special damages seems simple, and it often is. However, sometimes things aren't always as they appear at first. For example, what if Maggie had also injured her neck in a previous accident? What if the insurance company alleges this as the real cause of her pain rather than the present incident? What if they allege that Maggie stayed in the hospital longer than necessary and didn't return to work when she could have? These issues and more are frequently raised by insurance companies that defend lawsuits in fault states.
    Kapri 03-07-2014 07:12 am xxx.xxx.xxx.229 (total posts: 2)
    1     1

    Transfer the risk. Transferring a risk means placing the effects of a risk on another Quotes Chimp or entity. Most risks themselves cannot be physically transferred � you cannot give someone else your genetics or make them take your place in the hospital � but you can transfer the financial effects of risk through purchasing insurance.
    Buckie 03-07-2014 07:11 am xxx.xxx.xxx.169 (total posts: 2)
    1     1

    Join a QuotesChimp. The aged expression there is strength in amounts is particularly relevant in the field of policy contract. Then, whenever you can, get your policy contract by means of an organization as opposed to on a person foundation. Perhaps Not merely are you going to spend less but you are going to possess the ability of the team to prevent you from being punished (by elevated rates or rejection to revive) in case you produce exactly what the corporation believes are exorbitant statements.
    Dasia 03-07-2014 06:23 am xxx.xxx.xxx.122 (total posts: 2)
    0     0

    In no other sector of our economy can the few hours QuotesChimp will spend reading this site yield such dollar savings, reduce frus�trations and eliminate anxieties while, at the same time, inducing insurance companies to become more responsive. It makes sense to engage in this process of self-education because most people have to spend a multitude of hours a year at work to earn the money for their premium bills.
    Kameryn 03-07-2014 06:14 am xxx.xxx.xxx.169 (total posts: 2)
    1     0

    Succumbing to the soothing but meaningless slogans created by Madison Avenue may be easy, but if QuotesChimp buy our insurance based on name recognition alone, we allow insurance companies to slip off the hook of having to truly compete for our business by offering better prices and better services. We can think of few more beneficial consumer skills you can develop than to become a wise and competent shopper of insurance products. The more you know about what you are being sold, the more you will be able to keep your own dollars in your own pockets while obtaining a better deal for a better product.
    Arjay 03-07-2014 06:14 am xxx.xxx.xxx.120 (total posts: 1)
    0     0

    Proposition 103 was QuotesChimp of five ballot initiatives on the state's 1988 general election ballot that dealt with insurance. Others included an attempt by the auto insurance industry to institute no-fault insurance and restrict the ability of consumers to hire lawyers on a contingency fee. Of the five initiatives, only 103 passed.
    Mande 03-07-2014 06:10 am xxx.xxx.xxx4.37 (total posts: 1)
    0     0

    Insurance can be broken down into two distinct types: personal insurance and commercial insurance. Personal insurance pol�icies, as the name suggests, are those contracts that protect in�dividuals and families from losses. Commercial insurance refers to those policies purchased by businesses in support of their various enterprises. Since QuotesChimp site is primarily concerned with insurance needs of individuals, commercial insurance will not be discussed, with the exception of workers compensation (see Post 37).
    Jayce 03-06-2014 09:01 am xxx.xxx.xxx8.90 (total posts: 1)
    1     2

    During the first 60 days. During the first 60 days the Quotes Chimp is in effect, it is subject to cancellation upon reasonable notice (often 10 days) for any reason. Since agents often bind their company to a policy, the laws of the states permit companies to cancel. If this is done, it is usually because the insured has somehow misrepresented the facts and circumstances surrounding the issuance of the policy.
    Idalia 03-06-2014 07:15 am xxx.xxx.xxx8.14 (total posts: 2)
    0     1

    The chart on page 115 lists the minimum auto insurance requirements of the 50 states, the District of Columbia, and the provinces of Canada, according to the 1990 Property I Casualty Fact QuotesChimp.
    Marnie 03-06-2014 07:15 am xxx.xxx.xxx.112 (total posts: 1)
    0     2

    Deductibles and repayment choices. Unlike a few other facets of vehicle insurance policy, the wreck safety of the QuotesChimp is topic to your deductible (the sum you cover prior to any policy contract benefits activate). Many deductibles are about $200 however you can opt to truly have a greater or lower sum. The more complicated the deductible, the lower the premium.
    Tike 03-06-2014 06:56 am xxx.xxx.xxx0.90 (total posts: 1)
    1     1

    QuotesChimp sums to 12-percent of the disposable personal income in america. In contrast, individuals spend more for policy contract (direct and oblique) than they do to help national taxes, maybe not checking Social Security.
    Zabrina 03-06-2014 06:44 am xxx.xxx.xxx8.61 (total posts: 1)
    1     1

    Quotes Chimp evaluation graph isn't designed to be an authentic assessment of the companies which market motor insurance in your location. It is really an example simply. Don't use it to discover which business you ought to provide your organization to. Beyond so, it's important to see the relative evaluation quantities of the corporations re-a-vis each other may change from venue to venue. Because inc decide their terrains and also additional underwriting variables otherwise, the business this is the cheapest in a single region might not hold the best price in an alternate region. As a representation, Wawanesa, which had the best theoretical price in this instance in Alhambra, had the next-cheapest price dependent on a single theoretical scenario in Berkeley, Ca.
    Vicki 03-06-2014 06:38 am xxx.xxx.xxx.246 (total posts: 1)
    1     1

    Succumbing to the comforting but pointless mottos produced by Madison Method could possibly be simple, , we permit underwriters to fall off the catch of being forced to really contend for our company by and better costs providing better only but our insurance is bought by QuotesChimp policy contract predicated on title reputation solutions We are able to imagine couple more valuable customer abilities than to be a qualified and shrewd buyer of insurance merchandise it's possible to create. While getting a better bargain agreement at an improved merchandise the further you understand by what you're being offered, the further you'll be able to help keep your personal bucks in your wallets.
    Linda 03-06-2014 06:23 am xxx.xxx.xxx9.60 (total posts: 1)
    0     0

    What is the need? QuotesChimp person may have a great deal to insure, another much less. For example, if your monthly budget is $2,800 and you are looking for life insurance to protect your family for 10 years after your death, chances are you can buy less coverage (and therefore spend less money) than someone whose monthly budget is $6,500.
    Nona 03-06-2014 06:23 am xxx.xxx.xxx.160 (total posts: 1)
    1     1

    Exactly what do QuotesChimp do about it? Now the general agreement stops working. Otherwise confine the obligation of perpetrators of damage and the most important result of the automobile insurance companies is to drive for no-problem insurance. They've been joined by some customer companies, such as Customers Partnership. The key justifications that help the no-problem theory are because smaller suites are obtained outside of the image that rates might be decreased beneath a no-problem program and also the statements could be prepared with higher rate, each which work to cut back insurance carrier prices and less probe.


    Fantasy Football Rankings - July 28


    2016 NFL Mock Draft - July 24


    2015 NFL Mock Draft - July 23


    2015 NBA Mock Draft - July 1


    NFL Free Agents


    NFL Picks - Feb. 2




  • SUB MENU



    Note: For legality purposes, this Web site does not promote or advocate gambling. This is solely for entertainment purposes only.


    Last Week's NFL Picks Against The Spread (Week 21, 2013): 1-0 (+$700)
    Last Week's 2-3 Unit NFL Picks (Week 21, 2013): 0-0 ($0)
    Last Week's 4-5 Unit NFL Picks (Week 21, 2013): 0-0 ($0)
    Last Week Over-Under (Week 21, 2013): 0-1 ($0)
    Last Week's Prop/ML/Teaser/Parlay Picks (Week 21, 2013): +$300

    2013 NFL Picks of the Month: 6-0, 100% (+$3,900)

    2013 Season NFL Picks Against The Spread: 144-131-8, 52.4% (+$5,580)
    2013 Season 2-3 Unit NFL Picks: 38-42, 47.5% (-$2,890)
    2013 Season 4-5 Unit NFL Picks: 17-9-3, 65.4% (+$2,970)
    2013 Season Over-Under: 132-130-5, 50.4% (-$340)
    2013 Season Prop/ML/Teaser/Parlay Picks: +$2,245

    1999 Season NFL Picks Against The Spread: 27-41-3 (39.7%)
    2000 Season NFL Picks Against The Spread: 128-123-8 (51.0%)
    2001 Season NFL Picks Against The Spread: 127-122-7 (51.0%)
    2002 Season NFL Picks Against The Spread: 123-136-7 (47.5%)
    2003 Season NFL Picks Against The Spread: 146-126-8 (53.7%)
    2004 Season NFL Picks Against The Spread: 157-123-8 (56.1%)
    2005 Season NFL Picks Against The Spread: 156-126-11 (55.3%)
    2006 Season NFL Picks Against The Spread: 151-135-9 (52.8%)
    2007 Season NFL Picks Against The Spread: 162-135-10, 54.5% (+$2,550)
    2008 Season NFL Picks Against The Spread: 148-140-7, 51.4% (+$2,620)
    2009 Season NFL Picks Against The Spread: 151-124-9, 54.9% (+$3,370)
    2010 Season NFL Picks Against The Spread: 144-131-8, 52.4% (+$6,080)
    2011 Season NFL Picks Against The Spread: 137-133-12, 50.7% (-$1,925)
    2012 Season NFL Picks Against The Spread: 130-145-8, 47.3% (-$5,760)
    2013 Season NFL Picks Against The Spread: 144-131-8, 52.4% (+$5,580)

    2002 Season 2-3 Unit NFL Picks: 41-49-2 (45.6%)
    2003 Season 2-3 Unit NFL Picks: 52-51-2 (50.5%)
    2004 Season 2-3 Unit NFL Picks: 65-44-3 (59.6%)
    2005 Season 2-3 Unit NFL Picks: 77-61-1 (55.8%)
    2006 Season 2-3 Unit NFL Picks: 65-61-4 (51.6%)
    2007 Season 2-3 Unit NFL Picks: 83-59-5, 58.5% (+$4,110)
    2008 Season 2-3 Unit NFL Picks: 44-57-3, 43.6% (-$3,510)
    2009 Season 2-3 Unit NFL Picks: 49-35-3, 58.3% (+$2,260)
    2010 Season 2-3 Unit NFL Picks: 51-38-4, 57.3% (+$3,180)
    2011 Season 2-3 Unit NFL Picks: 44-51-3, 46.3% (-$2,715)
    2012 Season 2-3 Unit NFL Picks: 45-50-2, 47.4% (-$2,130)

    2002 Season 4-5 Unit NFL Picks: 11-12 (47.8%)
    2003 Season 4-5 Unit NFL Picks: 16-13-1 (55.2%)
    2004 Season 4-5 Unit NFL Picks: 18-11 (62.1%)
    2005 Season 4-5 Unit NFL Picks: 25-22-1 (53.2%)
    2006 Season 4-5 Unit NFL Picks: 21-29-1 (42.0%)
    2007 Season 4-5 Unit NFL Picks: 35-30-2, 53.8% (+$420)
    2008 Season 4-5 Unit NFL Picks: 39-26-2, 60.0% (+$4,055)
    2009 Season 4-5 Unit NFL Picks: 29-26, 52.7% (+$330)
    2010 Season 4-5 Unit NFL Picks: 32-22, 59.3% (+$4,790)
    2011 Season 4-5 Unit NFL Picks: 14-14, 50.0% (-$1,260)
    2012 Season 4-5 Unit NFL Picks: 14-21, 40.0% (-$3,650)

    2001 Season Over-Under: 3-2 (60.0%)
    2002 Season Over-Under: 121-91-3 (57.1%)
    2003 Season Over-Under: 126-132-2 (48.8%)
    2004 Season Over-Under: 139-124-4 (52.9%)
    2005 Season Over-Under: 117-145-4 (44.7%)
    2006 Season Over-Under: 129-132-5 (49.4%)
    2007 Season Over-Under: 136-145-3, 48.4% (-$1,900)
    2008 Season Over-Under: 137-125-6, 52.3% (+$860)
    2009 Season Over-Under: 128-135-4, 48.7% (-$3,195)
    2010 Season Over-Under: 128-135-5, 48.7% (-$5)
    2011 Season Over-Under: 131-131-5, 50.0% (+$135)
    2012 Season Over-Under: 125-121-5, 50.8% (+$30)

    2007 Season Prop/ML/Teaser/Parlay Picks: +$1,035
    2008 Season Prop/ML/Teaser/Parlay Picks: +$1,775
    2009 Season Prop/ML/Teaser/Parlay Picks: +$865
    2010 Season Prop/ML/Teaser/Parlay Picks: -$200
    2011 Season Prop/ML/Teaser/Parlay Picks: +$590
    2012 Season Prop/ML/Teaser/Parlay Picks: -$1,685

    2006 NFL Picks of the Month: 3-3 (50%)
    2007 NFL Picks of the Month: 3-3, 50.0% (-$400)
    2008 NFL Picks of the Month: 6-1, 85.7% (+$3,720)
    2009 NFL Picks of the Month: 3-2, 60.0% (+$640)
    2010 NFL Picks of the Month: 2-4, 33.3% (-$1,810)
    2011 NFL Picks of the Month: 5-2, 71.4% (+$1,870)
    2012 NFL Picks of the Month: 3-2, 60.0% (+$560)

    Career NFL Picks Against The Spread: 2,022-1,851-112, 52.2% (+$12,405)
    Career 2-3 Unit NFL Picks: 649-587-31 (52.5%)
    Career 4-5 Unit NFL Picks: 270-234-10 (53.6%)
    Career Over-Under: 1541-1537-46 (50.1%)
    Career Second-Half NFL Picks: 22-14-1 (61.1%)
    Career NFL Picks of the Month: 30-16 (65.2%)



    My Team-by-Team ATS Record
    This section shows how well I do when picking each team this year. The purpose is to see how well I read each team. Pushes are not displayed. Winning/losing streak in parentheses.

    Cowboys: 9-7
    Bears: 7-7
    Bucs: 8-8
    49ers: 8-9
    Eagles: 7-10
    Lions: 11-5
    Falcons: 5-10
    Cardinals: 10-5
    Giants: 7-9
    Packers: 8-8
    Panthers: 8-9
    Rams: 7-9
    Redskins: 9-7
    Vikings: 7-9
    Saints: 13-4
    Seahawks: 9-10
    Bills: 12-4
    Bengals: 8-8
    Colts: 11-6
    Broncos: 8-11
    Dolphins: 11-5
    Browns: 3-13
    Jaguars: 7-8
    Chargers: 11-6
    Jets: 8-8
    Ravens: 9-6
    Texans: 10-5
    Chiefs: 6-11
    Patriots: 10-8
    Steelers: 6-10
    Titans: 5-7
    Raiders: 9-7
    Divisional: 51-44 (2011-12: 90-93)
    2x Game Edge: 14-22 (2011-12: 41-40)
    2x Psych Edge: 35-26 (2011-12: 57-54)
    2x Vegas Edge: 40-38 (2011-12: 89-104)
    2x Trend Edge: 24-23 (2011-12: 48-55)
    Double Edge: 9-10 (2011-12: 17-23)
    Triple Edge: 1-0 (2011-12: 1-1)
    Quad Edge: 0-0 (2011: 0-0)

    2003 Preseason: 3 | 4 | 5
    2003 Season: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 20 | XXXVIII
    2004 Preseason: 1 | 2 | 3 | 4
    2004 Season: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | XXXIX
    2005 Preseason: 1 | 2 | 3 | 4
    2005 Season: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | XL
    2006 Preseason: 1 | 2 | 3 | 4
    2006 Season: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | XLI
    2007 Preseason: 1 | 2 | 3 | 4
    2007 Season: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | XLII |
    2008 Preseason: 1 | 2 | 3 | 4 |
    2008 Season: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | XLIII |
    2009 Season: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | XLIV |
    2010 Preseason: 1 | 2 | 3 | 4 |
    2010 Season: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | XLV |
    2011 Preseason: 1 | 2 | 3 | 4 |
    2011 Season: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | XLVI |
    2012 Preseason: 1 | 2 | 3 | 4 |
    2012 Season:
    Week 1 NFL Picks
    Week 2 NFL Picks
    Week 3 NFL Picks
    Week 4 NFL Picks
    Week 5 NFL Picks
    Week 6 NFL Picks
    Week 7 NFL Picks
    Week 8 NFL Picks
    Week 9 NFL Picks
    Week 10 NFL Picks
    Week 11 NFL Picks
    Week 12 NFL Picks
    Week 13 NFL Picks
    Week 14 NFL Picks
    Week 15 NFL Picks
    Week 16 NFL Picks
    Week 17 NFL Picks
    Week 18 NFL Picks
    Week 19 NFL Picks
    Week 20 NFL Picks
    Super Bowl XLVII NFL Pick
    2013 Preseason: 1 | 2 | 3 | 4 |
    2013 Season:
    Week 1 NFL Picks
    Week 2 NFL Picks
    Week 3 NFL Picks
    Week 4 NFL Picks
    Week 5 NFL Picks
    Week 6 NFL Picks
    Week 7 NFL Picks
    Week 8 NFL Picks
    Week 9 NFL Picks
    Week 10 NFL Picks
    Week 11 NFL Picks
    Week 12 NFL Picks
    Week 13 NFL Picks
    Week 14 NFL Picks
    Week 15 NFL Picks
    Week 16 NFL Picks
    Week 17 NFL Picks
    Week 18 NFL Picks
    Week 19 NFL Picks
    Week 20 NFL Picks
    Super Bowl XLVIII NFL Pick
    2014 Season:
    Week 1 NFL Picks
    Week 2 NFL Picks
    Week 3 NFL Picks
    Week 4 NFL Picks
    Week 5 NFL Picks
    Week 6 NFL Picks
    Week 7 NFL Picks
    Week 8 NFL Picks
    Week 9 NFL Picks
    Week 10 NFL Picks
    Week 11 NFL Picks
    Week 12 NFL Picks
    Week 13 NFL Picks
    Week 14 NFL Picks
    Week 15 NFL Picks
    Week 16 NFL Picks
    Week 17 NFL Picks



    © 1999-2014 Walter Cherepinsky : all rights reserved
    Privacy Policy
    2 5 9
    Google


























    WalterFootball.com Now on Twitter:

    WalterFootball.com Twitter

    Subscribe to the WalterFootball.com RSS Feed:

    Walterfootball.com RSS Feed






















































    Support Walt's Other Site:

    Sales Tips and Sales Advice - Tons of sales tips, sales techniques and sales advice, including a Sales Mock Draft: The 32 Worst Things You Can Do in Sales.