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  • A cash course for Texans rookies

    chron.com
    Most of the guys sitting in the first five rows of the Texans meeting room Monday afternoon weren't that far removed from being in a classroom.

    A few months ago, several were still in school, finishing up classes and preparing for the NFL draft.

    Now, they are rookies, preparing for camp, a shot at making the team and their first NFL season.

    Their days consist of working out, learning plays and acclimating to life at the pro level.

    And on some days, they find themselves back in the classroom, learning lessons that can help them make the most of their current situations.

    The PowerPoint presentation Monday wasn't about defensive packages or offensive schemes.

    It was about managing finances responsibly. And it's something a lot of professional athletes could use.

    Monday's was one of about 30 life-skills sessions the Texans provide for their rookies. The NFL mandates that each team do a handful of the seminars to help rookies adjust to the league.
    The Texans are one of the few teams that takes it further and does more for its players.

    The topics range from finances to domestic violence to respect in the workplace.

    Senior director of player engagements Sean Washington sets up the presentations and speakers. Alex Butler, a finance professor from Rice, gave the presentation.

    The players sat, attentive for the full hour, their backpacks slung across the leather chairs, paper plates of pizza and Gatorade bottles near their notebooks and iPads.

    The league minimum for rookies is $465,000. Butler started off by explaining that $139,679.30 of that would go toward taxes.

    Paying attention

    There were heavy sighs, a couple of smirks then quiet as they all paid close attention to hear Butler explain how to take care of the money they will make in their first season.

    The lessons Monday were important ones. Few college students leave school and enter the workplace with a complete understanding of how to manage their money properly.

    A small amount of those students will make the salary of an NFL player.

    Historically, several NFL players have failed to properly manage their finances. Vince Young comes to mind, but he's not alone. According to the National Bureau of Economic Research, 15.7 percent of former NFL players file for bankruptcy within 12 years of retiring.

    For most players, retirement comes at a young age. The NFL Players Union estimates the average NFL career at just over three years.

    So these guys are going into the league, making money for a short amount of time, investing and spending it poorly and winding up with little to nothing.

    The Texans and Butler are trying to stop that from happening to the incoming group.

    The first thing Butler told the rookies was to be smart about their first big purchase, explaining that a $100,000 vehicle wasn't a wise investment.

    He went over the pros and cons of renting and buying homes.

    He talked about various types of investments - low and high risk and how to diversify.

    He also explained the differences between tax attorneys and financial advisors and advised the players to hire the right people to handle their money.

    Butler was engaging and entertaining, and the rookies were interested in his message. One even asked when the session was over about a good price range for his first vehicle purchase.

    Important lessons

    The life-skills session brought light to one of the many issues rookies have on the table.

    A couple of them will make it big, maintain careers, make more money.

    A few will be injured and see their careers end.

    Others won't make the cut and will end up needing to find another career path right away.

    The knowledge they are picking up in the life-skills sessions can help them no matter where they end up, and it's a good thing the NFL and the Texans are instituting for their players.

    The response Monday was good. The players were interested. Several stayed to chat with each other and Butler when it was done.

    Next week, the rookies will be done in Houston until they report back for camp.

    They'll all leave with a better knowledge of the NFL, of the Texans, of the playbook.

    They'll also leave with a better understanding of how to navigate the next phase of their lives as NFL players.
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    • Originally posted by H2O4me View Post
      $100,000 vehicle is not a good investment. Someone tell Deshaun Watson. Lol in all seriousness, people in any business or profession spending 25% of their income on any one purchase isn't usually a good idea.
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      Official Texans Beer Thread Creator

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      • Who is the oldest WR on the Texans roster?

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        Answer: http://imgur.com/nUs4s7x
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        • And I know how old he is because I listen to Texans All Access religiously. Marc and John had a really good interview with him a few episodes back. He's 27 and used to be a truck driver. Lol
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          Official Texans Beer Thread Creator

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          • Deshaun Watsom and Carlos Watkins at the White House to celebrate Clemson's national title.

            Cal McNair and wife are with them.

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            • Mark Berman @MarkBermanFox26
              #Texans share Pete Rozelle Award, for top NFL media relations department, with the #Ravens.

              Texans have won it league-high 5 times. Congrats Texans
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              • The Franchise QBs: Rank the top all-time signal-callers for all 32 teams

                Perhaps no athlete in sports is subject to more scrutiny than an NFL quarterback. The fortunes of a franchise either rise or fall based largely on who is receiving the snaps from center.

                Who do you think are the best signal-callers in the history of your favorite team? Now is your chance to rank them in order. Follow the links below for each team's voting page:

                AFC South



                Houston Texans: Sixteen different QBs have made a start since the team's inaugural season in 2002 but which one should lead the pack? Rank 'em


                Indianapolis Colts: Peyton Manning or Johnny Unitas? And where does Andrew Luck fall? Rank 'em


                Jacksonville Jaguars: The Jaguars' field is such that, believe it or not, Blake Bortles has a case for inclusion. Rank 'em


                Tennessee Titans: From Warren Moon to Steve McNair, there's a lot to chew on. Does Marcus Mariota make the cut? Rank 'em

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                • The @HoustonTexans 2017 Media Guide is now available online: texans.1stroundmediagroup.com
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                  • Photo: Larry French/Getty Images

                    Ex-Ravens linebacker Zach Orr visiting Texans

                    By Aaron Wilson
                    Former Baltimore Ravens linebacker Zach Orr is visiting the Texans on Monday, according to NFL sources not authorized to speak publicly.

                    A second-team All-Pro selection who led the Ravens last season with 132 tackles and intercepted three passes, Orr is meeting with multiple NFL teams.

                    The veteran free agent is seeking to relaunch his NFL career after originally deciding to retire in January due to a congenital condition discovered by Ravens team doctors that showed a vertebrae at the top of his neck wasn't completely formed. The birth defect was discovered when Orr sustained a pair of herniated disks in his neck late last season.

                    Orr, 25, has consulted with multiple spine specialists after initially being advised by Ravens team doctors that it wasn't safe for him to play football anymore.

                    Since that diagnosis, though, Orr has sought second opinions and says he has received favorable medical information that his risk of a serious injury isn't higher than other players.

                    A former undrafted free agent from North Texas and the son of former NFL tight end and University of Texas standout Terry Orr, Orr already has met with several NFL teams, including the Detroit Lions, Indianapolis Colts and New York Jets.

                    Orr had a breakthrough season last year as he started all but the final game after getting hurt and being placed on injured reserve. When healthy, the 6-foot, 225-pounder is an athletic, aggressive presence as a run-stopper and in pass coverage. He recorded one forced fumble and five passes defended last season.

                    In order for Orr to play football again, though, he would have to pass a physical. A scan revealed last season that Orr's first cervical vertebrae at the top of his spine didn't fully form.

                    "I had my mind made up," Orr said during an NFL Network interview earlier this summer. "I was like man, the doctors told me I was done. This is a serious issue, so I'm going to leave it alone. But I just kept hearing that from multiple people and some were telling me to just go check out and seek out some more opinions and things like that and come to find out my condition, it is rare - .01 percent of the people have what I have.

                    "But there's no actual evidence or facts that I'm at a higher risk than any other player. And it's actually been documented that a college player who had the exact same thing that I have that returned to play with no problems."
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