NFL free agency: Who’s going where and what to expect
After the NFL scouting combine, the beginning of the free agency period is the next major milestone in the upcoming season’s checklist.
While it officially opens at 4 p.m. Eastern Time on March 15 when the new league year begins in earnest, teams are able to negotiate with the agents of upcoming unrestricted free agents during a two-day period before that point.
Upon the beginning of the new league year, players can officially sign with new teams, trades become official and contracts come to an end.
In recent years, spending has risen – the annual salary cap for each team has grown to $224.8 million per team in 2023 – and teams have been more aggressive with their willingness to part with draft stock for proven assets.
And this year looks to be no different with some massive deals reportedly completed.
All-Pro cornerback Jalen Ramsey has reportedly been traded from the Los Angeles Rams to the Miami Dolphins and numerous quarterbacks have agreed to deals already – Geno Smith at the Seattle Seahawks, Daniel Jones at the New York Giants and Derek Carr with the New Orleans Saints.
ut there are some huge dominoes yet to fall, which could shape the fabric of the league.
Quarterback questions
As the most important position in the sport, it is only right that the biggest questions surround some of the highest profile quarterbacks in the league.
With a young and talented team, the Jets seem just a quarterback away from serious contention and Rodgers could be that missing puzzle piece.
The majority of the interest surrounds two main names at very different points in their careers.
By contrast, Lamar Jackson has a lot more of his career to come but, like Rodgers, could also be heading for pastures new by leaving his longtime home with the Baltimore Ravens.
Having failed to come to terms on a long-term contract over the last two years, the Ravens applied the non-exclusive franchise tag on Jackson last Tuesday. That means that 26-year-old is free to negotiate with other franchises, but should he sign an offer sheet with another team, the Ravens will have five days to either match the deal or receive two first-round picks in return.
The Ravens have made it clear for a while that they want to have Jackson, an MVP winner in 2019, at the helm for many years to come, but the two sides haven’t been able to reach an agreement on a contract for a while now. The non-exclusive tag comes with a salary-cap cost of $32.4 million for the upcoming season.
While Rodgers’ decision appears to be remain in Green Bay or sign with the Jets, Jackson’s options seem wide open. Numerous teams across the league – Atlanta Falcons, Washington Commanders, Indianapolis Colts, Carolina Panthers, Las Vegas Raiders and San Francisco 49ers – are reportedly all interested.
Both Rodgers and Jackson could transform franchises from outsiders to title challengers. But with as many as four quarterbacks projected to be drafted high up in this year’s draft, it throws into question whether teams prefer a long-term project or a short-term fix.
For Aaron Rodgers, he likely has one big decision left in his career at 39 years old.
Despite hinting at a divorce from the Green Bay Packers for multiple seasons, now seems to be the closest Rodgers has come to leaving, with the New York Jets pursuing the four-time NFL MVP with vigor.
Defensive stars on the move
Although offenses have been prioritized over recent years as scoring has gone through the roof, we could see defenses around the league bolstered with some big names on the move.
The biggest move set to happen is Ramsey’s return to Florida after being traded from the Rams to the Dolphins in exchange for a third-round pick and tight end Hunter Long.
The arrival of three-time first team All-Pro Ramsey transforms a Dolphins team from up-and-comer to title challenging outfit, whilst also continuing the Rams’ rebuild.
Elsewhere, there are a number of key defensive players who are available through free agency, including two from last season’s Super Bowl runners up.
Safety Chauncey Gardner-Johnson and cornerback James Bradberry would all make excellent additions to new teams with their contracts with the Philadelphia Eagles having expired, whilst also earning themselves a pretty penny.
Bobby Wagner, Lavonte David, Byron Murphy and Jordan Poyer could all be valid contributors too.
Offensive weapons at a premium
In terms of the offensive side of the ball, teams will have to be selective about the talent they decide to acquire.
Many of the offensive weapons who were scheduled to hit the open market were given the franchise tag by their teams.
That means a one-year tender offer of the average of the top five salaries at the player’s position for the current year, or 120 percent of his previous salary, whichever is greater.
Running back Saquon Barkley will return to the Giants, tight end Evan Engram to the Jacksonville Jaguars, Josh Jacobs to the Las Vegas Raiders and Tony Pollard to the Dallas Cowboys.
Elsewhere, firepower is in high demand and short supply. Odell Beckham did not play last season, Jackobi Myers is a solid No. 2 or No. 3 receiver and JuJu Smith-Schuster, coming off a Super Bowl ring, was quiet in the playoffs.
The tight-end market could prove a little more fruitful for teams, with Dalton Schultz, Mike Gesicki and Robert Tonyan all available.
Teams could also replenish offensive line needs with Orlando Brown, Kaleb McGary, Dalton Risner and Isaiah Wynn available.
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Why Home Mortgage Rates Are High Relative To Treasuries—And When They Will Fall
The interest rate on home mortgages is running much higher than usual relative to the interest rate on long-term treasury bonds. Mortgage industry professionals wonder if the spread will return to normal—meaning lower mortgage rates so long as treasury interest rates remain stable. That will probably happen, but not in 2023.
The spread is wide by historical standards. Before the pandemic, the average spread over all available data was 1.69 percentage points. February 2019, for example, 10-year treasury bonds paid 2.68% interest. The average 30-year fixed rate mortgage cost the homeowner 4.37%, The difference was right at the long-term average of 1.69%. Most of the time the spread ranges between 1.5% and 2.0%.
The home buyer goes to a mortgage originator—usually a mortgage broker or bank—who quotes an interest rate. Then the originator sells the loan, usually to a government sponsored entity such as Fannie Mae or Freddie Mac. Like any middleman, the mortgage originator is paid for this service. The originator is paid a cash equivalent to the value of pushing the interest rate up. The first week of 2020, for example, the average mortgage interest rate was 3.72%. Fannie Mae’s average interest rate paid to investors was 2.61%. What happened to the difference between those two rates, the 1.11% spread? That paid the mortgage originator for his services. That payment can be thought of as the retail mortgage spread.
When Fannie or Freddie sells a bundle of mortgages to investors, the interest rate is based on supply and demand, of course. Investors generally think mortgages are inferior products compared to treasury bonds. Although both are deemed safe, the U.S. treasury will keep paying interest for the term of the bond. But homeowners have the option to refinance when mortgage rates drop. The option to refinance means that when interest rates drop, homeowners refinance. The investors no longer own an old mortgage with a high interest rate. Instead, investors now have cash that they have to reinvest at the new, low interest rates. Investors don’t like this.
When interest rates are rising, investors also have a problem. They are stuck with old, low-interest mortgages that nobody will pay off early. They would like to get their cash back and buy some of the new, high-interest mortgages, but that’s not happening.
The option for homeowners to refinance their mortgages makes mortgage-backed securities an inferior investment option. So investors will buy them only if they offer a premium over treasury bond interest rates. That is the wholesale mortgage spread.
At any moment in time, the total spread is the sum of the retail spread and the wholesale spread. The total spread widened a good bit in the first half of 2020, when the Federal Reserve was pushing interest rates down while the government sent out stimulus checks. Homeowners refinanced their mortgages to take advantage of the lower interest rates. Apartment dwellers started shopping for homes, enabled by cash in their bank accounts plus low mortgage rates. The mortgage originators were swamped with business. They could not handle all of the mortgage refinancings that the public wanted, at least not right away. While they were adding staff and training the new hires, they boosted their profit margins. The retail spread rose a great deal, and the wholesale spread just a little. This was documented by William Emmons of the Federal Reserve Bank of St. Louis.
The wide total spread between mortgage rates and treasury bonds in early 2023 seems to be due to the wholesale level. Bond traders cite volatility of interest rates as the key factor. Remember that rising interest rates mean that mortgage-backed security owners receive few prepayments they most want them. Falling interest rates mean that mortgage-backed securities owners receive most prepayments when they least want them. So the prospect of interest rate changes in either direction spooks investors away from mortgage-backed securities.
At the retail level, some spread widening would be expected due to the mortgage originator’s interest rate risk. The borrower gets an interest rate quote, but then walks away if rates fall, leaving the first originator in the lurch. But if interest rates rise, that borrower holds the originator to the quote. In a more volatile interest rate environment, both spreads increase.
Over the last 52 weeks, the volatility of mortgage rates doubled compared to the preceding 52 weeks (measured as the standard deviation of the absolute value of the weekly rate change).
When does this wide spread return to normal? The key factor will be when interest rates stabilize. That will be after the Federal Reserve has finished its tightening, and then eased back to a stable path for future interest rates. As of March 2023, it looks like more tightening is in store. And at some point, probably in 2024, the Fed will drop rates to get the economy going again. Once they get rates to a level that can continue for years, the spread will narrow.
For prospective home buyers looking at their likely mortgage expense, or for new homeowners looking to refinance, the actual mortgage rate will fall when the Fed starts easing, or possibly earlier in anticipation of that easing. Mortgage rates would fall even if the spread remains wide. The narrowing of the spread, when it occurs, will add more downward pressure to mortgage rates. So mortgage rates will decline, probably gradually starting early in 2024 and continuing for two years or so.
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Jake Paul vs Tommy Fury Post Fight (reaction)
Jake Paul vs Tommy Fury
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Cris Collinsworth & Gronk Return! PLUS NFL Franchise Tag Day | Up & Adams
Kay Adams returned to host the latest episode of 'Up & Adams' LIVE on FanDuel TV! Kay kicked things off by discussing the NFL Franchise Tag day, all the repercussions coming out of it and what might be next for Aaron Rodgers. Then she's joined by a pair of bug guests starting by Cris Collinsworth of NBC Sports and PFF to talk about a number of NFL storylines. Then Rob Gronkowski returns to the show to give his thoughts on Aaron Rodgers, NFL players hosting SNL and so much more.
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🚨HUGE MADDEN NFL 23 UPDATE!🚨 New Superstars & X-Factors, Ultimate Team News, Gameplay Changes & More
🚨HUGE MADDEN NFL 23 UPDATE!🚨 New Superstars & X-Factors, Ultimate Team News, Gameplay Changes & More!!!!
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The Biggest RB Winners, Losers, & Surprises from the NFL Combine
The Biggest RB Winners, Losers, & Surprises from the NFL Combine!!!!
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NOVOS ITENS *GRÁTIS* NO ROBLOX QUE VOCÊ PRECISA TER! 🤩💖[ ATUALIZADO ]
NOVOS ITENS GRÁTIS NO ROBLOX QUE VOCÊ PRECISA TER! 🤩💖[ ATUALIZADO ]-
nesse video vou te mostrar o novos acessórios grátis do roblox,que vem com mais itens grátis.
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NFL Free Agency + Trades Predictions (2023)
I predicted a bunch of NFL Free Agency + Trades in this video! Hope you guys enjoy!
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BRAINS vs BEAUTY WAR in Roblox Brookhaven RP!!
BRAINS vs BEAUTY WAR in Roblox Brookhaven RP!!
In todays video the smart girls and the pretty girls go head to head in a full out war to see who is the best once and for all.. can Calixo convince them to work together before its too late? Watch until the end to find out!!
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We're Becoming FOSTER PARENTS? *MEETING OUR NEW KID* Roblox Bloxburg Roleplay #bloxburgroleplay
💖🌈hii akeilanators
🏡today's bloxburg roleplay we're becoming FOSTER PARENTS and we'll be meeting our NEW KID!
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My BULLY DIED in Roblox!!
You heard it right.. KR THE BULLY has died!! But not has my bully died he has been murdered and i think its my best friend kludemil the bear. Watch until the end to find out who it really was..
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Charles Payne Calls Out Silicon Valley Elites for Bailout
In a recent interview, Charles Payne spoke out against the recent bailout of Silicon Valley elites. He argued that this bailout was unfair and only benefited a select group of wealthy individuals.
According to Payne, the bailout was a form of corporate welfare that rewarded Silicon Valley elites for their bad business decisions. He believes that this money could have been better spent helping small businesses and individuals who are struggling due to the pandemic.
Payne's comments have sparked a debate about the role of government in providing financial assistance during times of crisis. Some argue that government intervention is necessary to prevent economic collapse, while others believe that bailouts only serve to prop up wealthy corporations at the expense of taxpayers.
Watch the full interview to hear Charles Payne's thoughts on the Silicon Valley bailout and its implications for the American economy.
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Laugh Out Loud 😂- Funniest Dogs 🐶 and Cats 😹 - Awesome Funny Pet Animals Videos 2023! #6
Funniest 😂 Dogs and Cats - Awesome Funny Pet Animals Videos
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Hilarious Prank Videos 😂 - Dog 🐶 Reactions to Fake Lion, Tiger, and Box Pranks 2023! #5
Get ready to laugh out loud with our hilarious prank videos featuring dogs! Our video compilation includes fake lion and tiger pranks, as well as a huge box prank, that will have you in stitches.
In the fake lion and tiger pranks, we've set up realistic-looking stuffed animals and watch as the dogs react in funny and unexpected ways. You won't be able to stop laughing as you see the dogs barking and jumping around.
The huge box prank is also a must-see, as we watch dogs try to figure out what's inside the giant box. You won't believe their reactions when they finally get to see what's inside!
So sit back, relax, and get ready to have a good laugh with our troll prank dog funny video compilation!
Don't forget to like, comment, and share this video with your friends and family. And if you're looking for more hilarious pet videos, be sure to subscribe to our channel and turn on notifications to never miss a new upload.
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Laugh Out Loud 😂 - Funniest Animals Videos Best Cats😹 and Dogs🐶 Videos 2023! #4
Get ready to laugh until you cry with our funniest pets animals video compilation of 2023! From cats to dogs and everything in between, we've got the most hilarious moments caught on camera.
Our video features a variety of different pet breeds, each with their unique personalities and quirks. You'll see cats getting into mischief, dogs making funny faces, and plenty of other adorable and silly animal antics.
So sit back, relax, and prepare for a good laugh with the funniest pets animals video compilation of 2023!
Don't forget to like, comment, and share this video with your friends and family. And if you're looking for more funny pet videos, be sure to subscribe to our channel and turn on notifications to never miss a new upload.
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Best Funniest Dogs and Cats 🐱🐶 Funniest Videos Compilation 2023 😍 #3
Welcome to the funniest dogs and cats video compilation of 2023! This hilarious video features some of the most amusing and adorable moments captured on camera. From cats falling off furniture to dogs making silly faces, you won't be able to stop laughing at these funny animal antics.
In this video, you'll see a variety of different dog and cat breeds, each with their unique personalities and quirks. We've included clips of kittens playing with toys, puppies chasing their tails, and cats getting into mischief around the house.
Whether you're a dog lover, a cat lover, or just someone who enjoys a good laugh, this video is sure to put a smile on your face. So sit back, relax, and enjoy the funniest dogs and cats video compilation of 2023!
Don't forget to like, comment, and share this video with your friends and family. And if you're looking for more funny animal videos, be sure to subscribe to our channel and turn on notifications to never miss a new upload.
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Best Funniest Dogs and Cats 🐶🐱 Funniest Videos Compilation 2023 🥰 #2
Welcome to the funniest dogs and cats video compilation of 2023!
This hilarious video features some of the most amusing and adorable moments captured on camera. From cats falling off furniture to dogs making silly faces, you won't be able to stop laughing at these funny animal antics.
In this video, you'll see a variety of different dog and cat breeds, each with their unique personalities and quirks. We've included clips of kittens playing with toys, puppies chasing their tails, and cats getting into mischief around the house.
Whether you're a dog lover, a cat lover, or just someone who enjoys a good laugh, this video is sure to put a smile on your face. So sit back, relax, and enjoy the funniest dogs and cats video compilation of 2023!
Don't forget to like, comment, and share this video with your friends and family. And if you're looking for more funny animal videos, be sure to subscribe to our channel and turn on notifications to never miss a new upload.
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Funniest Dogs And Cats 🐶🐱 Best Funniest Animals 2023 Videos 😍😍#1
Welcome to the funniest dogs and cats video compilation of 2023! This hilarious video features some of the most amusing and adorable moments captured on camera. From cats falling off furniture to dogs making silly faces, you won't be able to stop laughing at these funny animal antics.
In this video, you'll see a variety of different dog and cat breeds, each with their unique personalities and quirks. We've included clips of kittens playing with toys, puppies chasing their tails, and cats getting into mischief around the house.
Whether you're a dog lover, a cat lover, or just someone who enjoys a good laugh, this video is sure to put a smile on your face. So sit back, relax, and enjoy the funniest dogs and cats video compilation of 2023!
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Don't forget to like, comment, and share this video with your friends and family. And if you're looking for more funny animal videos, be sure to subscribe to our channel and turn on notifications to never miss a new upload.
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