STRENGTHS: QB, TE, FS, OLB, RB. WEAKNESSES: OL, CB, WR, special teams. EXPECTATIONS: Up to rookie coach Mike McCoy and rookie general manager Tom Telesco to rebuild team that could miss playoffs for fourth straight season.Most people overpay and overspend on things that they wouldn't even miss. For example, it's often much more affordable (not to mention healthier) to shop seasonally for foods at a farmers' market than a grocery store. It's more affordable to get staples like shampoo at a discount store rather than the convenient highend store with a great atmosphere.

1. Tennessee: Not only does it have a Floridalike climate, but Tennessee also boasts the second lowest cost of living in the country. Combined with a low tax burden and great access to medical care, Tennessee is ideal for retirees living on fixed incomes, Kahn said.Primary among these was Colts coach Chuck Pagano returning to the sidelines after several months' absence as he underwent treatment for leukemia.