With the big day finally here for us football fans let me give you a word of advice. Most of us don't make picks because we need the $. We do it because we like the excitement it adds to a sport we love. Play responsibly. The money you use on this "hobby" should never exceed what you deem "expendable" money. Never...Don't treat this as a way to have another income. Trust me, its not. This is for fun, that's it. So use spare "fun money" not money you depend on for life. Be responsible. Now let's have a great day and a great NFL season fellas! Good luck to the Patriots and Seahawks fans tonight and to everyone else's teams the rest of the season (unless you have the Cowboys on your schedule. Hope you suck that day).