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Texas may be No. 2 two in all the polls as well as being No.2 in the BCS standings but it seems as if its QB, Vince Young, is 'stealing' the hearts of many Heisman experts. I think there is little argument the Reggie Bush's candidacy has lost a lot of momentum since the Notre Dame game plus I get the feeling that too many people are taking for granted the incredible accomplishments of Matt Leinart. Add it all up and Young looks like the favorite. Behind the "Big Three", Brady Quinn of Notre Dame and Drew Olson of UCLA are having Heisman-worthy seasons but unfortunately for both of them, its a case of wrong time, wrong place (season). My latest Heisman update follows.

1) MATT LEINART (USC) Last Week: 1. I'm not ready to drop Leinart from the top spot just yet, although I admit Young is making a very significant challenge. However, Leinart is playing this season under an incredible 'microscope' and with tremendous pressure. He turned down countless millions to stay at USC for an opportunity to lead the school to an unprecedented third straight national title. So far, he's done everything one could ask, and MORE! USC won at Berkeley this past Saturday, beating Cal 35-10. Of course everyone knows it was the Cal Bears who last beat the Trojans, 34-31 in triple-OT (back in 2003). However, USC had little trouble this time around, as Leinart ran for two second-quarter scores, giving USC a 21-3 halftime lead. Leinart didn't have a great game, failing to throw a TD pass for the third time this year and just the fourth time in his career. He finished the game 20-of-32 for 246 yards with one interception and those two rushing TDs (five on the year). He's now led USC to 32 straight wins (tied for the 6th-best streak of all-time) and a record-tying 22 straight Pac-10 wins. He's 35-1 as starter, tossing a Pac-10 record 94 career TD passes (just 22 INTs), while topping 300 yards passing in six games this year. In comparison, he had just five 300-yard games in his first two seasons at USC and Vince Young has just ONE 300-yard game in his entire career! I'll leave further comparisons for future use (if needed). Leinart has two big games left, both versus penis enlargement pill quality opponents. USC hosts No. 16 Fresno State this Saturday and then No. 12 UCLA on December 3. His season stats are: 211-of-318 3017 yards 66.4 23 TDs 7 INTs / 5 rush TDs.

2) VINCE YOUNG (Texas) Last Week: 3. Young has passed Bush in my poll and I'm getting the strong impression that he's the current favorite. Texas beat Kansas just 27-23 last year, in a game which featured some heavy controversy regarding the officiating. The Longhorns left little in the hands of the officials this past Saturday, running up a 52-0 halftime lead. Young misfired on his first three passes but then completed his next eight, including TD throws of 45, 64 and 29 yards. He added a fourth TD pass before the half, giving him a career-high in TD passes for a game and was on the bench with five minutes remaining in the third quarter of a 66-14 Texas win. Young finished 19-of-27 for 281 yards and didn't throw an interception. Only a head-scratching six rushing attempts for minus four yards, kept him from topping 300 yards in total offense for the FIFTH time in his last seven games. After opening the season by averaging 181.3 YPG passing with five TD passes, four interceptions and one rushing TD in his first three games, Young has averaged 267.2 YPG passing while throwing for 17 TDs (just four INTs) and running for seven more over his last seven games. In that stretch, he's averaged 348.9 YPG in total offense. He passed Major Applewhite on Saturday and is now the school-leader in total offense with 8,269 career yards. He's led Texas to 17 straight wins and is 27-2 in his career as a starter. Texas plays Texas A&M on November 25 and then will play in the Big-12 title game on December 3. His season stats are: 155-of-244 63.5 2414 yards 22 TDs 8 INTs / 117 carries 774 yards 6.6 YPC 8 TDs.

3) REGGIE BUSH (USC) Last Week: 2. I can't imagine that even Bush's most ardent supporters don't feel as if the Heisman is slipping from Reggie's grasp. Bush was a spectacular but complimentary play last year when he finished fifth in the voting. However, he was given a bigger role this year and after opening with an 86-yard effort versus Hawaii, ripped off FIVE consecutive 100-yard games (had just two in his career entering this year), peaking with a 160-yard three-TD effort (not to mention his all-important "push") in USC's thrilling 34-31 win at Notre Dame. Bush has failed to top 100 yards in three of his four games since (scoring just two TDs) and often has been overshadowed in the backfield by teammate LenDale White (three TDs in Saturday's win over Cal). When all the votes are in, both Leinart and Bush may suffer from the fact that there is so much talent around them and unlike last year, may actually take votes away from each other. While Bush remains the nation's most SPECTACULAR player (ranks third with 182.5 YPG in all-purpose yards), his opportunities have been limited recently and unlike last year when he made major contributions with his pass-catching abilities (seven TD catches), he's gone seven games without a TD catch and has just two for the entire season. His season stats are: 140 carries 1104 yards 7.9 YPC 11 TDs / 28 catches 315 yards 11.3 YPC 2 TDs.

4) BRADY QUINN (Notre Dame) Last Week: 4. Quinn continues to be a record-breaking 'machine' this year for Notre Dame. In two years under Willingham, Brady completed just over 50 percent of his passes (50.8), throwing 26 TDs and 25 interceptions. However, under the tutelage of Charlie Weis, Quinn has spent the season re-writing the Notre Dame record book. His latest onslaught came in Notre Dame's all-time NCAA record 42nd straight win over Navy, 42-21. Quinn finished 22-of-31 for 284 yards with four TDs and one interception. That fourth-quarter interception ended a stretch of 130 consecutive passes without a 'pick', setting a another Notre Dame record. He extended to 14, his school record of consecutive games with least one TD pass and by game's end, had passed Ron Powlus as the school's career-leader with 53 TD passes (Powlus had 52). He topped 250 yards passing for the 14th time in his career (extending another record) and now owns the school's single-season record with 2,931 passing yards. Quinn is now just 254 yards shy of passing Powlus as the school's all-time leader in passing yards. His season stats are 217-of-330 65.8 2931 yards 27 TDs 5 INTs / 1 rush TD

5) DREW OLSON (UCLA) Last Week: 5. Bruin fans will argue that Olson is having the best year of any QB in the city! They may just be right. Olson had three TD passes and 295 yards passing by the end of the FIRST quarter, in UCLA's 45-35 win over Arizona State this past Saturday. He opened the game with a 91-yard TD pass on the game's first play from scrimmage and never looked back. He finished the game 22-of-27 for a career-high 510 yards with five TDs and no interceptions. He missed by just FOUR yards, of setting a single-game school record for passing yards (Cade McNown threw for 513 yards in UCLA's infamous 49-45 loss at Miami in 1998). His 30 TD passes this year (just three INTs!), easily breaks McNown's single-season record of 25, set in that 1998 season. Olson was the main QB at UCLA for the last two years when the Bruins went 12-13. Similar to Quinn, Olson entered this year without much fanfare (32 TDs and 25 INTs in his three-year career) but has been BRILLIANT! Olson's 172.5 QB rating ranks him FIRST in the nation. By the way, Young is second, Leinart fourth and Quinn fifth. Olson will have to wait until December 3 but he will get his showdown with Los Angeles' "other" QB. His season stats are: 218-of-322 67.7 2909 yards 30 TDs 3 INTs.

Typically, I list five other players six-through 10 but it hardly seems worth it. Last week's sixth-ranked player (Cody Hodges of Texas Tech), saw his team lose to Oklahoma State, a team that entered the game winless in Big-12 play. No. 7 Maurice Drew of UCLA has fallen so far behind teammate Drew Olson, it's not worth arguing. My No. 8 guy last week, DeAngelo Williams of Memphis, missed last week's game versus penis enlargement Tennessee because of injury and the Tigers fell to 4-5 with a 20-16 loss. Laurence Maroney of Minnesota was ranked No. 9 and like Williams, missed the Gophers' game with an injury but Minnesota hardly missed him, beating Michigan State 41-18. As for Washington State's Jerome Harrison (No.10), he ran for 143 yards and has now run for more than 100 yards in all 10 games this year, as well as topping 100 yards in 13 straight games, setting a new Pac-10 record. That being said, his team has lost SEVEN straight games!

Home buyer's who purchase a home without a real estate agent (or sometimes purchase through an inexperienced agent) can find out too late they don't have enough money to close and move.

Top 10 Costs Home Buyers Miss:

1.) Property Taxes and Assessments

Home buyers often need to set up an escrow account with the new mortgage lender. This means that they must pay a portion of taxes upfront. In some states, the seller has already paid the local taxes and this amount must be paid back to the seller at closing. Also, some counties have transfer taxes whenever a property changes hands.

2.) Insurance

Fire insurance or a homeowner�s insurance policy usually needs to be paid for up front. Although you may be able to get an insurance binder from your company on a payment plan, most mortgage companies require the first year paid during escrow or closing.

3.) Appraisal Fees

Mortgage lenders require appraisals to make sure your property covers your loan amount plus their investment risk. The buyer normally pays between $150-$450 to the appraiser.

4.) Survey Fees

Some lenders require a property survey. You may also want a survey if the property lines are in question. Survey fees vary from $600-$2,500, or more for large parcels.

5.) Septic System Certification

If your new property does not connect to public sewers, you may need a septic clearance for your lender. Often the home seller pays this cost, but you want to make sure you get no hidden charges or surprises.

6.) Water Quality Certification

The same holds true for properties with a well and not public water service. For your own piece of mind, you will want to check the water quality and have this clause as a condition in your purchase contract. Not only do you want to make sure the water quality passes, you want to make sure the well has plenty of flow so you don't run out of water.

7.) Miscellaneous Origination and Loan Fees

Your mortgage lender adds fees for processing your loan, document preparation, underwriting, closing, funding, and sometimes "garbage fees." Check your estimated costs statements and look for hidden fees. Before committing to a lender, shop for your best loan and compare lender's costs.

8.) Association and Maintenance Fees

Most buyers understand that a condo comes with association fees. However, some housing developments also charge maintenance fees. Don't assume that the fees will be nominal. Many condos in California have association fees over $400 per month. Some of these fees need to be paid annually, which means a penis enlargement products home buyer needs to pay upfront.

9.) Utility Service Fees

Check your hook up and installation fees for water, gas, electricity, cable or satellite TV, phone, trash, sewer and other services. Sometimes the water department covers the sewer and trash service. These fees quickly add up and you don't want any surprises like a $340 water deposit required by some companies.

10.) Moving Costs

Plan your move before committing to a purchase. Know whether you can move yourself or need to hire professional movers. You may be shocked to find out the costs involved. Ask for referrals of clients and check out moving companies. Prices for truck rental and moving companies vary.

Make sure you have all your purchase review of penis enlargement products and moving costs covered before you make an offer to purchase a home. You don't want to find out when it's too late that you need more money.

Copyright � 2005 Jeanette J. Fisher. All rights reserved. (You may publish this article in its entirety with the following author's information with live links only.)

The Price is Right.

Once upon a time you knew precisely where you stood. You were, metaphorically speaking, peering over the shoulder of the venerable Arthur Negus, denizen of that epitome of middle class culture, The Antiques Roadshow. Now, however, you�re turning this way and that, amidst a plethora of antiques discovery programmes, as you seek to satisfy your voyeuristic craving and perhaps learn a little something as you go.

Life used to be very simple in the antique firmament on TV. Its first airing was Going for a Song in 1965, so ancient a time that England had yet to win the World Cup and I was still in short trousers, in a programme memorably described as a

�Pooterish pottery riddleathon, chaired in its glory days by Max Robertson with Arthur Negus stapled to one side for a bit of gossip. Max would then proffer a vaguely familiar looking antique loom at teams of experts and a clueless public, demanding both date and asking price. Points were awarded for the closest bid.�

That won�t ring too many bells with today�s protagonists top enlargement products, by all accounts. This was an age in which most educated people were expected to have a routine general knowledge of art, antiques and collecting because it suggested some hint of engagement and appreciation of the world around them. Of course, the clueless public were a convenient prop to the cardsharps around them but the scenario hasn�t deviated too far over the last forty years. Having said that, presenters could always be relied upon in yesteryear to wear a jacket and tie and a sensible haircut � this was the BBC after all � so one wasn�t confronted, as is our current misfortune, by a bunch of D listers swathed penile enlargement in Hawaiian tee shirts and an all over tan.

Yet the extraordinary thing is that these programmes � and, believe me, there are plenty of them � have such enduring appeal. The antiques themselves obviously play their part but the real key is the human dimension and, without exception, it is a feature of all the latter day productions that the viewing public are encouraged to make contact and tell their stories. However, whereas The Antiques Roadshow was deliberately more formal in its approach, more recent entrants are positively gushing. The three best examples of this new genre are Flog It, Bargain Hunt and Cash in the Attic, each of which, like The Antiques Roadshow, have spawned some very ugly American hatchlings. More of that anon.

Back here, we have David Dickinson, full of grandiloquent gestures and gravelly tones, hosting Bargain Hunt. Dickinson, notwithstanding that he loves the sound of his own voice, has certainly done the rounds and knows his stuff unlike the motley crew from Cash in the Attic who look like cast offs from a lifestyle channel. Bargain Hunt is not designed to be too successful but just give a taste of what could be achieved with a good eye and a judicious approach though, as ever, it is most watchable when confronted by the unexpected. One contestant so successfully bought and sold a copper log box that Dickinson, momentarily speechless, had to dispatch a crew member to an ATM to cough up enough cash when he ran short. Priceless!

Alan Shearer broke Jackie Milburn's all-time Newcastle scoring record with his 201st goal in a vital 2-0 win over relegation strugglers Portsmouth. The Magpies were playing their first match under temporary manager Glenn Roeder and were 4/5 to win before kick off. An opener from Charles N�Zogbia and a second from Shearer gave Newcastle their first Premiership win in seven attempts.

In another personal goal scoring feat, Thierry Henry netted his 200th goal for Arsenal as the Gunners overcame their away day fragility to win 2-0 at Birmingham City. Arsene Wenger�s side had not won away since beating Charlton Athletic on Boxing Day and will have had plenty of support at 11/10 against bottom-three Birmingham. A debut goal for Emmanuel Adebayor and Henry�s landmark strike was enough to keep Arsenal in fifth place.

Chelsea extended their lead at the top of the Premiership by top enlargement products 15 points after beating Liverpool 2-0 at Stamford Bridge. The rather generous 10/11 on offer of a home penile enlargement win will have had punters drooling and goals for William Gallas and Hernan Crespo secured the Blues� 21st win in 24 league matches this season.

West Bromwich Albion did their relegation battle the power of good with a convincing 2-0 victory over Blackburn Rovers at The Hawthorns. The Baggies have won more home games than any of their rivals in the bottom seven and were an attractive proposition to punters at 19/10. Kevin Campbell marked his 36th birthday with a goal and Jonathan Greening secured the points after 32 minutes.

Meanwhile, Middlesbrough slipped closer to the relegation places when they succumbed 4-0 at home to Aston Villa. A Luke Moore hat-trick and one for former England striker Kevin Phillips secured victory at 21/10 and Middlesbrough, with just one win in their last 11 Premiership matches, can be backed at 9/2 for relegation.

West Ham United condemned Sunderland to their fifth defeat in six league matches with a 2-0 win at Upton Park. At 1/2, the Hammers will have been on many punter�s accumulator�s but it took until 81 minutes for Dean Ashton to break the deadlock and repay some of the �7.25 million invested in him.

On Sunday, Jermaine Defoe continued Tottenham's claims for a Champions League spot with a brace against former club Charlton Athletic. Despite never beating thr Addicks at home in the Premiership, Spurs were odds on at 4/5 before kick off. Two Defoe goals sandwiched Jermain Jenas� strike while Jerome Thomas� goal after 70 minutes was a mere consolation for Charlton.

How do you measure success? Is it by financial security, career growth, community involvement, quality of relationships, spiritual centeredness or the legacy you leave? Whichever measure you choose, your attitude is the single most important factor in achieving success.

The topic of attitude can be conceptual and confusing. In fact, as we go through life we often hear phrases like: �keep your chin up,� �look on the bright side� or �you need a winning attitude.� Unfortunately, we seldom know how to convert these soft sayings into hard results.

This book translates the incomprehensible into the actionable. It is intended to provide you with inspiration and application so you can orchestrate your attitude�.. and your success.

The great news is that even in the worst situations � a victim of a natural disaster, prisoner of war, target of abuse or when hit by a string of unfortunate circumstances - your attitude is something you can always control!

When we control our attitude we influence how our body responds and performs. Where our thoughts and attitudes go, our bodies follow. For example, blushing is a physical reaction to a mere thought. If we have this kind of reaction to a thought, is it such a leap of faith to believe that we can orchestrate our attitudes to affect our bodies in beneficial ways?

In fact, a positive attitude can buffer us against some adverse health effects and depression. Researchers who studied 839 patients over a 30-year period found a link between optimism and lower risk of early death. Specifically, optimism early in life predicts good health later in life.

Additionally, a landmark study shed light on the ultimate benefit of a positive attitude. In this particular study, participants who were more positive lived an average of 10 years longer than the other participants. Considering that smoking has been shown to reduce life expectancy by 5.5 years for men and 7 years for women, your attitude might be a health risk factor worth paying real attention to.

The choice of attitude is yours. Tomorrow you will become what you choose today.

Attitude: Concept or Concrete?

Have you ever thought about what makes you say things like: �that guy has a great attitude,� or �boy, her attitude is really killing the team?� How do you know if someone�s attitude is great or crummy? When most of us hear the word �attitude� we think of a fuzzy concept that somehow makes us happy, sad, content or frustrated.

It is difficult to measure and manage a concept. However, it�s easier to manage and measure behavior. That�s why I will use a broad definition of attitude: a relatively stable and enduring way to behave. This definition and the following explanation are designed to help you get your mind around the concept of attitude. If we can translate a concept like attitude into concrete behaviors, then we can more easily manage and measure - orchestrate - our attitudes.

How Do Attitudes Develop?

Our attitudes develop from repeatedly thinking, speaking and acting the same way, over and over, until it becomes a stable and enduring way we behave � a habit. Although we can hear and see our attitudes in the words and actions we choose, attitudes start developing with our thoughts.

Our minds are our ultimate personal computers! What we program into them determines how they will function. The most powerful computer ever made, programmed with the wrong software or with bad data, will never function to its capacity. For instance, just as we have viruses (bad data) in today�s cyber world that cause computer malfunctions, our mental computers are also susceptible to the data we put into them. If we choose to load them with bad data, it will limit how effective or successful we will be.

Our attitude is our personal boomerang to the world � whatever we throw out will come penis enlargement back to us. Express enthusiasm and it comes back. Offer a smile and it is returned. Start to gossip and that�s what we will hear. Get frustrated about a team member and that�s what we will see. Help a colleague and we will find a helping hand. This boomerang effect holds true for our thoughts about money, relationships, self-worth, a performance goal, team building, a problem colleague or customer, a new project or career.

So, once we develop a habit of choosing a positive or negative attitude, that is exactly what we will send to and receive from the penis enlargement pill world.

Choice: Reaction or Response?

The power of choice is one of the greatest gifts we are given. In fact, it is so important that the privilege of choice is removed from prison inmates as a form of punishment. Although we make many choices every hour of the day, we rarely make neutral choices. Each choice has a positive or negative consequence for us at some level.

Our attitude toward life is the most important choice we make! Let�s look at why such a simple choice � embracing a positive or negative attitude � is more challenging than it appears for many people. The bottom line is that we often forget that we have the power to choose. We relinquish it subconsciously, because we make thousands of decisions daily - about 95% of them are subconscious.

Just think of the last time you were in deep thought about your plans for the evening while driving home from work. As you pull into your driveway you wonder to yourself, �How did I get home?� The car seemed to practically drive itself home. Driving is a relatively complex task, requiring many choices along the way � turn right, turn left, slow down, stop and change lanes. Still, driving home can be successfully performed almost subconsciously. So, consider the multitude of much smaller choices we make each day that we don�t really think about: waking up, brushing our teeth, saying �good morning� to a colleague, eating our lunch, performing a repetitive job duty and so on. Subconscious actions are useful most of the time, but we must also consciously choose our attitude in order to control our results.

Our ability to choose is a gift, but it is also a huge responsibility. No matter what today�s �it�s not my fault� culture encourages, we are all ultimately responsible for our own choices. In fact, I like to write the word �responsibility� as response � ability. As humans, we have the unique ability to respond. It is a choice we make, although many times an instantaneous or subconscious choice.

Here�s a scenario repeated daily. Family dinners are important at the Smith house. Jim and Jane Smith and their two children (Jonnie, age 3 and Janie, age 4) have just seated themselves at the table. Before the first bite of dinner is enjoyed, Jonnie spills his milk and it goes everywhere.

A reaction to this event: �Not again, Jonnie! Every time we eat, this happens. Think, son, think! Do you want to eat in your room from now on?�

A response to this event: �Uh Oh, Jonnie. Let�s get a sponge and clean this up so you can eat your dinner.�

When you react, you make a purely emotional and subconscious decision. Often, because of how your experiences and prior choices have programmed your subconscious mind, your reactions do not help you achieve the best results.

On the other hand, when you respond to a situation, you make a constructive and conscious decision. That's why there are Emergency Response Teams not Emergency Reaction Teams:

- When you simply react, your emotional instinct is in control, with little thought of the long-range consequences.

- When you respond, your brain is fully engaged and your self-awareness is high. You have the long-term consequences in mind.

We all experience plenty of negative situations and people. The key is to be prepared to consciously respond to these negative inputs. Choosing to respond instead of react helps us to positively orchestrate our attitudes�.and our lives.

A Script for Orchestrating Attitude

There are three aspects of the script that work in concert: thoughts, words and actions. By orchestrating each aspect with conscious responses, we positively influence our beliefs, commitments and results.

Orchestrate your THOUGHTS to nfluence BELIEFS.....

Orchestrate your WORDS to influence your COMMITMENTS

Orchestrate your ACTIONS to influence your RESULTS

The script plays out like this:

- Thoughts, the way we choose to interpret our world, directly influence our beliefs.

- Beliefs directly influence the words we choose to peak to others, and more importantly, to ourselves.

- Words reflect our commitments to ourselves and others.

- Commitments influence our choice of actions.

- Finally, our actions directly influence the results we achieve.

This script is self-reinforcing, for better or for worse. The results we achieve reinforce our thoughts and the same script is played out again. So, it all starts with our thoughts. Our thoughts today influence our results tomorrow.

The left side of the script is the side of choice. Each of us chooses our thoughts, words and actions either consciously or subconsciously. Therefore, we influence the right side of the script � the side of responsibility. We must take responsibility for our beliefs, commitments and results. We are each responsible for the choices we make and the results we ultimately achieve. The ultimate choice is ours - victim or victor?

To illustrate how this script plays out, let�s say I am given a new project to lead. I am confident that the prospects for this project are positive. Therefore, I start thinking about how to ensure its success and how I can measure the benefits of the project deliverables. I also think about my talented project team, knowing they will need to go above and beyond to achieve success on this project. My kick-off e-mail contains words like �excited,� �opportunity,� �talented team,� �creative solutions� and �positive impact.� My team members speak and react in kind, �boomeranging� my winning attitude back to me. Meetings are crisp, roles are clearly defined and decisions are made collaboratively, yet quickly.

The expected challenges, even the seemingly big ones, are handled professionally and swiftly because the team knows that failure is not an option, and there are many pathways to success. My thoughts and words have already predisposed the team to acting in alignment with my expectation of success. And our eventual success predisposes me to the same thoughts, words and actions on the next project. This is when the powerful, self-reinforcing script will be played again.

Orchestrating attitude creates a beautiful human symphony. The result is a person of integrity who gets the best from himself and others!

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