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| Its?Friday, July 1, and we should be thinking about our Fourth of July weekend plans. But as baseball fans, we cant. Why? Because today is all about Bobby Bonilla.A man who last played 5,381 days ago owns this day. Not just this?July 1, but every?July 1?through 2035. Its the day when the?New York Mets pay him $1,193,248.20.So with the water cooler and Twitter buzzing about the Bonilla deal, heres your primer.How did the deal present itself?Deferred-money deals have been going on for a long time, but the Mets did more of them than most. The first deferred-money deal we know about is Darryl Strawberrys 1985 contract, in which the Mets deferred 40 percent of his 1990 $1.8 million team option ($700,000) at a 5.1 percent interest rate. The deal, which pays out $1.64 million from 2004 to 2033, was obtained through a life insurance company.Bonillas agent, Dennis Gilbert, was an insurance agent at the same time he developed into a superagent (Gilberts clients included Bonilla, Barry Bonds, Jose Canseco and Danny Tartabull), so he was more uniquely prepared to understand annuity-type payouts than other agents.How does the deal actually work?The Mets owed Bonilla $5.9 million for the 2000 season and no longer wanted him. So the club negotiated with Gilbert to attach an 8 percent annual interest rate to that money. With the clock starting in 2000, that adds up to $29.8 million. The first installment of the payout came on July 1, 2011, and the Mets will pay their sixth installment on Friday.Why did the Mets do the deal?The Mets have never really talked about the deal, but it is well known that their owners, the Wilpons, had many accounts with investor Bernie Madoff. Madoff was returning 12 to 15 percent a year in what we now know were fictional returns. So deferring deals wasnt a problem because the payout would occur years later and the interest rate would be lower than the money they were (fictionally) getting back from Madoff. To see the deal as the Mets would have seen it, lets say the Wilpons put $5.9 million into a Madoff account in 2000 and got a conservative (by Madoff standards) 10 percent annual return. By 2011, when they would have to pay Bonilla for the first time, they would have already grown their pot to $16.83 million. Even with paying off Bonilla every year, they would wind up with a $49 million profit on the deal. Of course, the Madoff returns werent real, which complicates this hindsight.The other way to think of it is that the Mets didnt have to pay Bonilla his $5.9 million in 2000 and could use it on other free agents. Sure enough, the Mets acquired Mike Hampton from the Astros right before they dumped Bonilla. Hamptons cost was conveniently $5.75 million, and his 15-10 record was good enough to help get the Mets to the World Series that year for the first time since 1986.It seems like everyone thinks Bonilla got a great deal by turning $5.9 million into $29.8 million -- did he?The deal is great from a gross money perspective. If you take out the 2000 season -- where the deferred money comes from -- Bonillas career earnings are $46.45 million, so the $29.8 million looms large. Also understand that because he didnt have to earn the money in 2000 and collects years later instead, he isnt paying New York income tax (he lives in Florida, a state with no income tax), nor the so-called jock taxes for earning money on the road in states that do have income tax.But you also have to account for what Bonilla could have done with the money if he did get that $5.9 million in 2000. We did the math by using a conservative strategy of putting that $5.9 million into the market in January 2000, when this deal was struck. We put 60 percent of the money in stocks and 40 percent in bonds and rebalanced the portfolio to those percentages at the start of each year following our gains in each area. Going back historically, we learn that Bonilla would have aggregated $16.5 million by December 2015. Through the deal the Mets gave him, he collected only $5.9 million by December 2015.Looking at it that way, it doesnt look like Bonilla got the steal of the century. But what happens if you assume that Bonilla needs to live off that money starting in the year the deferred money pays out? You put that $5.9 million into the stock and bond market with the same percentages and you withdraw six times. (His first withdrawal would come in 2010 to prepare for 2011.) If you do that, youre left with $7.35 million to reinvest starting in 2016, having taken out $1.19 million six times. This is where you start to stall. You have to make that $7.35 million work for you to get 19 more payments, and youre staring at a market where bonds are generating only 2 percent yields and the stock market isnt so hot. Its nearly impossible to think that you can do that. So in that scenario, Bonilla is better from a financial-planning perspective having accepted the deal from the Mets.So why do the Mets get made fun of for making this deal?This is a complex question. It starts with the fact that Bonilla was a disappointment for the team. In his second stint with the Mets, he was on the disabled list frequently, and when he was playing, he wasnt any good.Its also funny that, as a 53-year-old this year, he is still on the Mets payroll. But I believe that much of why so many people make a big deal about this is because of how cheap the Mets pitching staff is. So much of why Bobby Bonilla trends on Twitter every?July 1?has to do with the fact that he still makes more than most of the teams great young pitchers -- Jacob DeGrom, Noah Syndergaard and Steven Matz all make less than $610,000 per year.Theres also the Madoff part, which leaves the Mets open to ridicule. Of course many Mets fans who make fun of the deal dont follow it through completely. Hampton was with the Mets for one year, but when he went to the Rockies in 2001, the Mets got the 38th pick in the draft, which they used to pick ...?David Wright!What other fun deferred money deals are out there?Aside from paying Bonilla through 2035, the Mets are paying Bret Saberhagen, who was also represented by Gilbert, $250,000 per year through 2029. The Diamondbacks will be paying Bernard Gilkey, who retired in 2001, his last payment next year. Why? Gilkey signed a four-year contract with the Mets from 1997 to 2000. The deal deferred $2.5 million from his 1999 salary and $2.5 million from his 2000 salary, which turned into a $9 million annuity. But the Diamondbacks took on that contract in August 1998.And now get ready for the real kicker. Gilbert recently sat down with ESPN for a new digital series for?FiveThirtyEight, Contracts, debuting later this summer. He said that?Bonilla actually has another deferred deal with the Mets that makes another $12.5 million. It was part of his first deal with the team that ran from 1992 to 1996. The $29 million deal made Bonilla the highest-salaried player in baseball at the time. Part of the deal was to defer some money, which resulted in Bonilla getting $500,000 a year from 2004 through 2023. The Mets shipped Bonilla to the Orioles for the last season and a half of that deal, so they split the fare with Baltimore. Cheap Chicago Bulls Jerseys . Despite the cost, effort and an improved steroid test, its possible that very few -- if any -- positives will be detected, Dr. Richard Budgett told The Associated Press in an interview. "We just dont know what the results from Torino will be," Budgett said. Chandler Hutchison Jersey . The Barrie Colts defenceman, who impressed many with his play for Canada at the World Junior Hockey Championship, is the top-ranked skater in the February rankings. He has 19 goals and 24 assists for 43 points in 45 games with the Colts this season. http://www.cheapbullsjerseys.us/?tag=wendell-carter-jr-jersey . The Vancouver coach and an announced sellout crowd of 18,910 watched in dismay as the Canucks lost 7-4 to the New York Islanders on Monday night by squandering a 3-0 lead in the third period. Wholesale Chicago Bulls Jerseys . From filmmaker Nanette Burstein (On the Ropes), The Price of Gold revisits the saga that rocked the figure skating world ahead of the 1994 Lillehammer Olympic Winter Games: the assault on Nancy Kerrigan, and the plot that led its way back to her rival Tonya Harding. Cheap Womens Bulls Jerseys .C. -- Calgarys Kevin Koe did it the hard way again. Topics this week include a look at what could have been if the Chargers had traded their franchise quarterback for a rookie, a comparison of the way two very different teams have drafted and more.What could have been for Rivers and MariotaPhilip Rivers truly wanted to finish his career as a Charger -- a San Diego Charger -- but when he crosses paths with Marcus Mariota at Qualcomm Stadium on Sunday against the Tennessee Titans, itll allow for one of the more recent intriguing What if? games to be played.What if the Chargers and Titans had pushed to complete a trade in which Rivers went to Tennessee and Mariota would have been the No. 2 overall pick by San Diego in the 2015 NFL draft?Rivers and wife Tiffany would have welcomed their eighth child last October in Nashville, less than 90 miles from where they met as seventh-grade sweethearts in the deep south of Athens, Alabama.Mariota, not Rivers, would have been appearing at public rallies to get a yes vote on Tuesdays stadium initiative to salvage the teams future in Californias deep south, San Diego.Rivers extended family would be making short drives to Nashville to see him play and visit the children. Mariotas family, anchored in Hawaii, would have merely traveled across the Pacific Ocean to enjoy his NFL career.Dan Fouts would still hold the Chargers all-time passing record, and Chargers offensive coordinator Ken Whisenhunt might still be the Titans head coach.Rivers can only live with reality of the here and now. Fact is, he did want to remain a Charger as he entered the final year of his contract in 2015. But if the franchise was truly destined for Los Angeles because of the stadium crisis in San Diego, then taking his large, beautiful family to Nashville would have had its merits as he wound down his career.Mariota seemingly made sense for the Chargers -- he was rated as their top quarterback prospect of the 2015 class. Rivers was the face of the franchise, but Mariota would have provided a fresh face.Rivers certainly made sense for Whisenhunt, who was in his second year as the Titans coach. The two men forged an immediate bond when Whisenhunt served as San Diegos offensive coordinator for 2013. Rivers was the NFL comeback player of the year that season, and completed nearly 70 percent (69.5) of his passes for 4,478 yards, 32 touchdowns and just 11 interceptions.Whisenhunt became a hot commodity again, and chose the Titans over the Detroit Lions for his next head coaching spot in 2014. He was fired eight games into Mariotas 2015 rookie season and rejoined Rivers and the Chargers in January as offensive coordinator.So why didnt a trade happen?The Spanos family that owns and operates the Chargers ultimately wanted Rivers to remain the cornerstone of their franchise, especially as they navigate the rough waters of funding a new stadium or possible relocation. Mariota did have high draft grades, but rookie struggles often come with a price -- just ask Whisenhunt.Mariota is now thriving in his second season, and he no doubt will get the big bucks from the Titans in a couple of years. Last August, the 34-year-old Rivers signed a four-year, $84 million extension with the Chargers with one stipulation -- he insisted upon a no-trade clause.--?Chris MortensenThe difference between the Cowboys and the BrownsThere was once a time when Cowboys owner Jerry Jones had to be talked out of using Dallas first-round pick on quarterback Johnny Manziel while being steered toward guard Zack Martin -- which left Cleveland to use one of its two first-round selections on Manziel.Now Dallas and Cleveland square-off Sunday, and that draft is a prime example of why the Cowboys are 6-1 and the Browns are 0-8.Since 2010, Dallas has picked 11 offensive players in the first four rounds of the draft, and nine of them (81.18 percent) -- Dak Prescott, Ezekiel Elliott, Tyron Smith, Martin, Travis Frederick and Dez Bryant -- are still on the team, the highest percentage in the NFL.The Browns have picked 21 players in the first four rounds of the draft during that same stretch, and only eight are still on the roster (38 percent), which is the NFLs lowest percentage of offensive players picked in the first round that are still on those respective rosters. The players Cleveland picked in those rounds who no longer are on the team include Manziel, Trent Richardson, Brandon Weeden, Travis Benjamin, Jordan Cameron and Colt McCoy.Not many teams have done a better job drafting than Dallas, which has become a model of stability and productivity. Meanwhile, no team in the league has squandered more picks and more opportunities, which is why the Browns are staring straight at the prospect of becoming the fifth NFL team since 1944 to go winless, joining the 1960 Dallas Cowboys (0-11-1), the 1976 Tampa Bay Buccaneers (0-14), the 1982 Baltimore Colts (0-8-1) and the 2008 Detroit Lions (0-16).Once again, Cleveland is armed and loaded with multiple picks in April, including two in the first round. But if the Browns want to catch the Cowboys beyond Sunday, they have to start keeping up with the Joneses.--?Adam SchefterHow soon should Cam Newton expect change?A telephone conversation between NFL commissioner Roger Goodell and Carolina Panthers quarterback Cam Newton after a lower-leg hit by Arizonas Calais Campbell wont instigate renewed dialogue about the re-positioning of the referee, whose duty is to police quarterback protection.Thats a discussion already reserved for another day.Currently, the referee lines up to the right side behind the quarterback, in part to have a better view of the passers arm on a strip-sack fumble. However, those plays are now automatically reviewed by instant replay on a turnover, or by a coachs challenge on whether the quarterbacks arm is coming forward.Proponents within the league believe the referee should be positioned behind the quarterbacks blind side to enable better enforcement of QB protection rules. The leagues competition committee will take it up again in the offseason, according to Dean Blandino, the leagues vice president of officiating.We have talked about that for a few years, Blandino said. It doesnt apply to the Campbell hit because he comes up the middle, but there is some merit to it. We havent seen significantly more missed calls on one side compared to the other in receent seasons but.dddddddddddd.. with replay involved in the strip-sack, that is no longer a reason to keep [the referee] on the right side. [Its] something we will continue to look at.--?Chris MortensenCharles stands out among a strong class of running backsIf Jamaal Charles career is coming to a conclusion for the Kansas City Chiefs, he should be remembered as one of the pleasant surprises to come out of the 2008 draft class that included five first-round running backs.None of those first-rounders were Charles, who was a third-round choice (No. 73 overall) by the Chiefs. Yet, the former Texas Longhorn has accumulated 7,260 yards rushing, 2,457 yards receiving and 63 touchdowns during his career. His 5.5 average per carry is the best in NFL history by a running back with that amount of work.Only one of those first rounders has been more productive than Charles: Chris Johnson, who has racked up 9,537 yards rushing and 2,212 receiving yards with 64 touchdowns during stints with the Titans, Jets and Cardinals.Matt Forte, who was chosen in the second round by the Chicago Bears, likely will finish as the most productive back of the class. He has 9,144 rushing yards, 4,279 receiving yards and 71 touchdowns. He remains the most durable among that class, still productive for the Jets.The 2008 first rounders: Darren McFadden (fourth, Raiders), Jonathan Stewart (13th, Panthers), Felix Jones (22nd, Cowboys), Rashard Mendenhall (23rd, Steelers) and Chris Johnson (24th, Titans).Herm Edwards was in his final season as the Chiefs coach when the team selected Charles to be a complementary back to Larry Johnson.One reason people missed on him is because Texas had such a dominating college team he was out of a lot of games by the third quarter, said Edwards. He was raw because he also had been a track guy and he was somewhat undersized. But, man, that guy could run and he ran with ease. Great kid. Coachs dream. Liked playing football. He worked at it, he learned how to play, how to run in this league and how to catch the ball, especially with Andy (Reid).Even with all the positives I can say about him, nobody imagined he would achieve what he has done. He deserves all the credit and recognition he can get.--?Chris MortensenTunsils domination has quietly paved the way for AjayiEveryone can see the holes that Dolphins running back Jay Ajayi has been running through the past two weeks on his way to two straight 200-plus-yard rushing games. But not nearly as much attention has been paid to one of the lineman opening them: Laremy Tunsil.Game tape of last weeks win over Buffalo showed that the player Tunsil was blocking never made a single tackle, and didnt even come close to getting one. Tunsil wasnt just good; he was dominant. He was, in the words of one Dolphins official, ridiculously good. We were so lucky to get him. He was the best player in the draft.But Tunsil slid for the infamous social media terrorism incident in which he was pictured wearing a gas mask, smoking from a bong. Teams kept passing him up and passing him up, until he slid to Miami at No. 13.He has been a great kid here, said the same Dolphins official. Weve had no issues with him, none. Its a joke what happened to him.For now he is playing left guard in Miami, but eventually, in another season or two, the Dolphins will shift him to left tackle. They plan for him to be their left tackle of the future, their quarterbacks blind side protector. But for now, Tunsil is getting ready for his first test against a stout Jets defensive front, trying to open more holes for the NFLs hottest running back.-- Adam?SchefterCould Jacksonville turn to a former coach in the offseason?Jaguars owner Shad Khan has said hes not making a coaching change now. At the end of the season, however, it could be different story.If Jacksonville does make a coaching change -- and its certainly looking like it will at the end of this season -- heres one name to keep in mind: former Jaguars head coach Tom Coughlin, the first head coach in that franchises history.Coughlin still has a home in Jacksonville, his charity is based there, and he has publicly said he has not retired from coaching. The Jaguars would have to be willing to hire a 71-year-old coach, and that would appear to be the biggest catch and obstacle. But if they can accept that, theyd be getting a two-time Super-Bowl winning coach who knows the city well, has a history of getting production of its teams and would restore instant credibility to the franchise.The Jaguars could hire Coughlin and have him groom a successor, until he is finished coaching and the coaching apprentice is ready.Its important to note that there havent been any conversations that have taken place between the two parties, but as one source close to the situation said last week, Its not the craziest idea in the world.-- Adam SchefterEmptying out the notebookTennessee is still paying its former head coach and current Chargers offensive coordinator Ken Whisenhunt millions of dollars, and in return, hell do everything within his power to beat the Titans on Sunday. Those checks wont let up anytime soon, either; Tennessee will continue signing them through the 2018 season.One reason the Patriots moved on from linebacker Jamie Collins is the play of rookie linebacker Elandon Roberts. Watch Roberts on tape. He is blowing up opposing offensive linemen, and the Patriots want to see more of that.How good has Raiders QB Derek Carr been? In his first 40 NFL games, he has thrown 70 passing touchdowns, the exact same number of passing touchdowns that Peyton Manning had in his first 40 NFL games -- only during that time, Carr has thrown 28 fewer interceptions than Manning.Its been a rough stretch for Cardinals offensive tackle Jared Veldheer. Just last week he underwent finger surgery to repair ligaments, then, playing with that injury, he tore his triceps and now finds himself on injured reserve. The only person who feels worse than Veldheer about his injury is Cardinals QB Carson Palmer. Even with Veldheer on the field last Sunday vs. Carolina, Arizona allowed eight sacks. Palmer took his hits; the Cardinals offensive line is now taking theirs.-- Adam Schefter Wholesale Jerseys 2020 Cheap NFL Jerseys Throwback Wholesale Jerseys Wholesale Jerseys China Cheap NFL Hoodies Wholesale Black NFL Jerseys Discount Jerseys ' ' ' |
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