I can appreciate Mr. Farmer stated skepticism, it smacks of actual journalism, a refreshing Times Sports page approach. Mr.Other big shifts: Tebow, who ranked No. 1 through November, finished No. 5.

DeAngelo Hall (Cornerback / Washington Redskins)Another year, another team and a large contract for the troublesome cornerback, Angelo Hall. Yes, DeAngelo Hall was on his best behavior for half a season, but does this earn him a reprieve from his past issues. Let us not forget, DeAngelo Hall's performance dropped in the second half when he arrived in Washington.I don't mean that you need to run out and get a financial adviser right this moment. I mean that you should be talking to your insurance agent if you have any insurance questions. You should be talking to your banker if you have questions about loans.

Alan was a member of Calvary Baptist Church, Morristown, active in their Youth Council, DARE program and Youth Mentor program. He loved cooking, photography and mu