College Football 2012 Stock Options: Buy, Sell or Hold Rating on All 120 Teams

Many times we look ahead to project where a team may be in one week, one month or even one year.

It is more exciting to imagine the glory and fame a team could experience down the road than to focus in on the daily drudgery of practice and preparation (leave that to the coaches, right?)

With that in mind, here is a forecast of how every college football team will fare throughout the 2012 season—only with one little twist.

This is a buy/sell/hold game—meaning, how well will the team do through 2012 in comparison to where they stand right now, this week?

This takes into account where the team is now, how they will finish the 2011 season, and how they will finish through the 2012 season. Therefore, it is mindful of everything that is going to take place over the next 14 months.

Remember, this is where a team will be in relation to today, it isn't how good they'll be overall. So just because I may buy a Sun Belt team and sell an SEC team, it doesn't mean I think the former will be better than the latter.

Enjoy!

Air Force

Verdict: Sell

Many thought that Air Force could be a sleeper team in the Mountain West this season.

They haven't been able to live up to such a high billing and will have difficulty matching this season's success next season.

They lose QB Tim Jefferson and leading running back Asher Clark. Defensively, they're going to lose four of their five leading tacklers.

This is a team that has been slightly disappointing this year.

They're 5-5 and in need of a win against UNLV or Colorado State to become bowl-eligible. They will get it, but next year could be a rebuilding season for the Air Force.

Akron

Verdict: Buy

Akron was predicted to be one of the worst teams in the entire nation this season, and unfortunately, they haven't done much to change that ranking.

They have one win this season—to FCS Virginia Military Institute.

I do like the way they've competed in the MAC, though.

They lost to EMU by eight and CMU by one. Those are some close losses that could have given the team a big confidence boost had they gone the other way.

They're going to have everyone back on the offense next season, including freshman-standout RB Jawon Chisholm. Four of their five top tacklers on defense are juniors or freshmen.

Akron isn't a great team with a storied history.

They've been to one bowl game in the history of their school. I don't think they're going to make it two next season, but I do feel like they may be scratching the surface of improvement as of late. I think they can win around three to four games next season.

Buy them—you can't go down at this point.

Alabama

Verdict: Hold

It will be interesting to see how the season finishes out for Alabama.

It seems as if all they need is for Oklahoma State to lose and they can find themselves back in the BCS National Title Game.

Since this is entirely possible, it would be foolish to sell any Alabama stock right now.

Following the season, Trent Richardson, Dont'a Hightower and Dre Kirkpatrick will have decisions on whether or not to leave for the NFL. Maze, Hanks, Upshaw and Barron are all gone for sure. 

As you can expect, they will be good again next year, but it's hard to improve from where they are now, so this is a classic "hold" situation.

Arizona

Verdict: Hold

Say what you want about Mike Stoops, but he got the Wildcats to be expecting a bowl game every single year.

After being absent from a bowl since 1998, Stoops got the Wildcats to three straight in 2008-2010.

With a slow start this season, he was fired. In a way, he was a victim of his own success.

This has made Arizona a potential hot-spot for coaches. Rumors have circulated about Stoops' replacement with names like Art Briles entering the mix.

Arizona has a chance to ignite some optimism into the fanbase with a big signing.

That said, whoever takes over in 2012 will do so without Nick Foles and Juron Criner, the Wildcats' two best players. They'll return their entire offensive line, but it will be a rebuilding year next season.

Given where they are now, this is a "hold" situation.

Arizona State

Verdict: Hold

Believe it or not, but Arizona State still has a good chance of winning the Pac-12 South and playing in the inaugural Pac-12 title game.

This is despite losing back-to-back games against UCLA and Washington State.

This has become the Sun Devils' M.O. over the past couple of years.

Compete and play hard against big-name teams and self-destruct against inferior competition.

They still need help to get to the Pac-12 title game, as UCLA controls their own destiny. Even then, the Sun Devils will be big underdogs at either Oregon or Stanford.

Following the season, they will lose a majority of their offensive line and defense.

I want to buy this team, but they're too inconsistent to give a full recommendation. The way they're playing now, they deserve a "hold."

Arkansas

Verdict: Hold

Arkansas' entire season comes down to the LSU game.

Win, and they split the division title (at the least) and could find themselves in the SEC title game. Lose, and they finish in third and will have to settle for a New Year's Day bowl game.

They'll return Tyler Wilson and Knile Davis (assuming he's healthy) next season but lose all of their superstar wide receivers.

A loss to LSU, followed by a loss of talent, would see the Razorbacks fall significantly.

On the other hand, a win against LSU would have them ranked their highest in decades. It's safest just to "hold" for now.

Arkansas State

Verdict: Hold

The Red Wolves have a very, very nice team.

They need to win one of their final two games for a conference title, and their success should continue into 2012.

ASU needs to beat MTSU or Troy to win the Sun Belt (or have WKU lose a game).

If they win both games, they'll run the table in the conference and go 10-2.

Their only two losses? The first week against Illinois (by 18), and at VT (by 19). Not too shabby.

Ryan Aplin will return next season. The dual-threat QB has thrown for 2,500 yards and rushed for another 500.

I'd buy the Red Wolves if they had more of their defense coming back. They figure to lose their five best players on that side of the ball.

Fair or not, it's hard to buy a team that is already going to win 11 games and lose a lot on defense. I still expect them to compete for a Sun Belt title, meaning this is a perfect "hold" situation.

Army

Verdict: Buy

Army came back down after a surprising season in 2010.

Last year, they won seven games and made their first bowl in 16 years.

This season, they suffered through a tough schedule, competed the entire way, but are currently 3-7.

There really were no cupcakes on Army's schedule this season (except for Fordham, who they defeated), and that should fare well for the Knights next season.

The Knights only had 11 starters back from last year's winning team.

Next season, they'll have their entire backfield back (No. 1 rushing team) and an improved offensive line. They'll also return 19 of their top 21 tacklers.

Think of this season as a buildup to greater things for the Knights. Just like college basketball teams schedule tough games early to build a team up for March Madness, so too did the Knights this season.

With more experience back next year, they should return to a bowl.

Auburn

Verdict: Buy

One has to consider this season a success for Auburn.

No, they're not going to win the national title, but with only six returning starters, the Tigers are going to win at least seven games while playing in the toughest division in the nation.

Next year, they will return a large number of starters, including running back Michael Dyer.

They will return approximately 10 starters on defense.

They had a top-10 recruiting class last season and are about to chalk up another top-10 class this season.

There's no reason not to expect Auburn to be back in the Top 25 all season next year.

Ball State

Verdict: Sell

I hate to sell the Cardinals here, as they are one of the surprise teams in the nation.

Despite returning 17 starters, no one gave them a chance in the MAC West.

Yet here they are, two weeks left to go and in control of their own destiny.

They're 6-4 with two tough games left against NIU and Toledo. Obviously it is a long shot (they're 17-point underdogs to NIU alone), but just to be in this position is a surprise.

Ball State isn't going to be as fortunate with returning starters next season.

They're going to graduate their two leading receivers and a few offensive linemen. Worse yet, they're going to lose five of their top 11 tacklers.

This is a marginal sell.

I'd love to even hold onto Cardinals stock, but I think they're going to lose their next two games and then lose a lot of talent in the offseason. It could be that they're back here next season with a similar record, but it's more likely that they'll regress a bit.

Baylor

Verdict: Buy

Baylor got off to a hot start this season but has fizzled as of late. It seems as if everyone is rooting for them or wants them to do well, but their wishes may be a year pre-mature.

Next season, however, they can return nearly every single player on their offense (Griffin III is the biggest question mark, but I expect him to return). If he does, the Baylor offense will be one of the best in the nation, again.

The defense is relatively young this season and will return a lot of starters as a result.

Finally, there is the question of their coach, Art Briles.

Briles' name has come up in relation to many coaching vacancies around the nation. Fair or not, we have to consider the possibility of Briles leaving Waco.

They finish with three home games, but two are against Oklahoma and Texas. They will be headed for a bowl game for the second straight season after missing out on a bowl for 16 straight seasons.

My hunch is that Griffin III and Briles both stay, which makes this a "buy." It's risky...if they both leave, Baylor's stock could plummet.

Boise State

Verdict: Sell

It will be interesting to see what happens with Boise State in relation to the BCS this season. They are currently ranked 10th, one spot ahead of undefeated Houston. Would a one-loss Boise team steal a bid from Houston (it would be the case of the team that always gets mistreated mistreating someone else)?

Regardless of all the BCS garbage, Boise's stock took a hit this past week with a home loss against TCU, their first home loss in six years. Now they figure to finish second in the Mountain West conference.

They will also graduate Kellen Moore, Doug Martin and nearly their entire defense.

Their is no justifying hanging on to your Boise stock as of right now.

Boston College

Verdict: Buy

This is more of a "stock is so low that you have to buy" situation.

Boston College is a storied football program that has improbably and suddenly fallen on hard times. They were victims of some close losses early, but they have continued to compete and have now won two ACC games in the past three weeks.

They're a young team that will return a lot of players next season. Head Coach Frank Spaziani's status as head coach is in jeopardy, but regardless, I expect the Eagles to rebound and compete for a bowl game again next season.

Bowling Green

Verdict: Buy

Bowling Green is a surprising 4-6 and has competed against superior competition. They lost to Wyoming by one, Toledo by seven and beat Temple. If they can somehow upset Ohio, and then beat Buffalo, they will be bowl eligible.

They've been able to throw the ball very well. They'll return QB Matt Schilz next season, but lose their top two receivers. They return their top three rushers, so either they'll have other receivers step up, or become a more balanced team.

Defense has been porous at times this season. But they'll have everyone back next year. Well, almost everyone. Ten of the top 11 tacklers figure to return.

They won two games last season. They already have four this season. They're going to return a lot of players next season. Don't be surprised if they end up in a bowl at the end of 2012.

Buffalo

Verdict: Hold

Buffalo has struggled this season, beating only Stony Brook and then somehow managing a one-point win over Ohio.

Their defense has given up 30 points per game, but they only lose two leading tacklers. It could be an improved unit next season.

They rank 109th in the nation in scoring, averaging only 18.7 points per game. They're going to lose dual-threat QB Chazz Anderson and two of their leading receivers. While neither spells relief for a struggling offense, they will return sophomore RB Branden Oliver, who has rushed for over 1,000 yards already this season.

Unless Oliver gets major help all over the field, Buffalo will continue to struggle. I don't see them improving enough to advocate a buy, and obviously don't see them getting much worse.

Brigham Young

Verdict: Hold

BYU has the chance to very quietly go 9-3 in their first year of independence. The reason it is quiet is because they've lost to Texas, Utah and TCU, and beaten up on the teams they should have beaten.

They're going to have a solid offense next season with the return of Heaps, Cody Hoffman, Ross Apo and Michael Alisa. They should be able to throw the ball better and put points on the board.

Defensively, they're going to lose some of their better players. Four of their top 11 tacklers are gone including Jordan Pendleton.

It's a mixed bag with BYU. I don't see them regressing too much next season, but I don't expect them to be an un-defeated BCS threat. It's a safe hold here.

California

Verdict: Buy

The Bears missed a bowl game last season for the first time ever under Jeff Tedford (nine seasons). They have looked shaky and inconsistent at times this season, but will return to a bowl.

Next year they return nearly their entire offensive line, superstar Wide Receiver Keenan Allen, and QB Zach Maynard. Maynard has undergone the most growing pains this season, inheriting the job from Brock Mansion. He should be better next season.

The Bears will also feel better returning to Memorial Stadium next season, which was under construction this entire season. They should continue to get better and could post eight wins next season.

Central Michigan

Verdict: Buy

The last two seasons in Mount Pleasant have been anything but. Following a three-win season last year, CMU has matched their win total with only one game left (Toledo).

They've been able to throw the ball, unable to run, and unable to stop anyone.

Next year could be different though. They'll have nearly all their linemen and offensive personnel back. Defensively, they'll return 13 of their top 16 tacklers.

The Chippewas have fallen on hard times since the departures of Brian Kelly and Butch Jones. Dan Enos will be entering his third season next year, and they have a chance to re-capture glory in the MAC. I expect them to compete.

Cincinnati

Verdict: Hold

This certainly would have been one of the best "buys" before the season began. As it stands now, however, the Bearcats are atop the Big East and could only go down in stock.

There's no reason to expect this, however. They could have virtually locked up the conference with a win last week against West Virginia but they fell short. Now they're one game ahead of four teams in the Big East (and UConn is only one loss behind, but 1.5 games behind overall). What a cluster.

The Bearcats close out with road games against Rutgers and Syracuse before returning home to face UConn, so winning all the games isn't a lock. I can't begin to speculate on any tie-breaker situations.

The Bearcats are going to lose a lot of talent in the offseason (Collaros, Pead, Woods and a majority of the defense), so a regression should be in line. Still, you have to at least hold onto Bearcats stock as they could be a few weeks away from playing in the Orange Bowl, and still have a really nice team this year.

Clemson

Verdict: Buy

Clemson has already won their division and is going to play in the ACC title game for just the second time.

Here's the worst that can happen: Clemson loses to South Carolina, loses the ACC title game and then under-performs in a bowl game. Even then, they return Tajh Boyd, Sammy Watkins, Dwayne Allen (presumably) and a majority of their back seven.

They'll also add a top-10 recruiting class to go along with the one they had last season.

Of course best case scenario is they beat their in-state rivals, beat Virginia Tech again (or whomever they play in the ACC title game) and win the Orange Bowl.

Right now, even with unconvincing wins against Wake Forest, Maryland and a loss to GT, I'm leaning towards the "best-case" happening. Either way, they'll be loaded with talent again next season.

Clemson is a buy right now.

Colorado

Verdict: Hold

The first season in the Pac-12 hasn't been successful for the Buffaloes. They've been decimated by injuries, forcing back-up receivers to turn into defensive backs mid-season. As a result, they haven't had much success slowing down opponents' passing games.

But there is hope. They were blown-out by USC but competed throughout the entire game. That effort paid off the following week with a win over Arizona, the Buffaloes first ever Pac-12 win.

I want to buy the Buffaloes, especially since their stock is so low. But, they will lose QB Tyler Hansen, RB Rodney Stewart and a majority of their offensive line next season. They'll return a majority of their defense, but it still feels like a re-building year in Boulder.

They haven't had a winning season since 2005 and haven't made a bowl since 2007, so expecting a huge increase in wins next season would be unreasonable. With that, a "hold" seems like the choice here.

Colorado State

Verdict: Hold

Disappointing year for the Rams. They figured to compete for bowl eligibility. Instead they're 3-6 with losses to UTEP, UNLV and SJSU.

A lot of the skill positions on the offense are coming back, but not much of the line, which could be problematic. Defensively, they have most of their playmakers back, including Nordly Capi.

They need to start winning close games if they want to be successful overall. Three of their six losses are by seven points or less.

With some returning starters coming back next season, they should be able to compete for a bowl once again. We've seen before, however, that doesn't mean they will.

Connecticut

Verdict: Hold

UConn had to replace many integral parts from their Fiesta Bowl team from a year ago and they struggled out of the gates as result.

Since, they've improved. They've won two of their last three, and actually find themselves in the hunt for a Big East title (as does everyone else).

Their goal should be to win two of their final three and make a bowl game. It will be a significant accomplishment if they do that, as no one expected much from them this season, especially after they started 2-4.

Next year they'll return their Quarterback Johnny McEntee and leading rusher Lyle McCombs, but lose their star receivers and most of their line.

I expect UConn to continue to improve and be slightly better next year. One can't expect major improvement, however, and therefore UConn remains a team you should "hold" on.

Duke

Verdict: Buy

If I started this game in 2009 and kept up with it, I'd be embarrassed by how much Duke stock I possessed. Still, I'm willing to continue to buy and invest in the Blue Devils.

I keep expecting Duke to break through and make a bowl game, but that expectation has yet to come to fruition. Four wins in 2008, five in 2008, three last year and three so far this season has believers frustrated.

Next year there are no excuses. The Devils will return around 16 starters and will be in the fifth season under David Cutcliffe. It has to be the season they finally break through and make their first bowl game since 1994.

East Carolina

Verdict: Hold

ECU hasn't been as successful under Ruffin McNeill as they were under Skip Holtz. The Pirates went from back-to-back C-USA titles to 6-7 in 2010, and now are 4-6. Last weekends loss to UTEP was especially painful, as a win would have made it much more likely they would return to a bowl.

ECU is going to lose their best player in QB Dominique Davis. That said, they will return most of their receivers and backs. They'll also return 12 of their top 15 tacklers.

The defense has been bad under McNeill, which is odd since he was a defensive coordinator at ECU. He hasn't been able to establish an identity with these Pirates yet. Next season could be the make or break year for McNeill. The defense will have a lot of players returning, and they must improve as the team breaks in a new QB. I'm not willing to sell quite yet...

Eastern Michigan

Verdict: Hold

How about the job Ron English has done at EMU this season? In his first season the Eagles won zero games. Last season they won two. This year they've already won six.

They need one more win to become bowl eligible for the first time since 1987, and only the second time ever!

They've done it on the ground, rushing for 229 yards per game. They also allow only 24.6 points per game, which is good for the MAC.

Next year they'll return all their offensive skill positions, including dual-threat QB Alex Gillett.

The main reason for concern will be rebuilding the front four of the defense. Six of the top eight in tackles for loss will be gone next year. Three of the four sack-leaders will be gone.

The defense will most likely take a step back next year, but that is Ron English's forte. If the offense improves and continues to run the ball well, the Eagles can still compete in the MAC, just like they have this year.

Florida

Verdict: Hold

People are wondering what is going on in Gainesville, and I really don't have an answer for them. The Gators started 4-0 and looked very talented but have struggled recently. Injuries are only an excuse for so much, as the Gators have really struggled on offense.

The bad news is that they will graduate almost all of their skill positions on offense. The good news is that they will return a majority of their defense (which is by far the strength of their team). Also, they continue to recruit well and will be entering the second season of Charlie Weis' offense as well as Will Muschamp's second season as head coach.

Oh, and if they beat Furman this week, they will be bowl eligible. Which means you can make a bowl game by beating Furman, Tennessee, UAB, FAU, Kentucky and Vanderbilt.

Florida Atlantic

Verdict: Hold

FAU is the only winless team in the nation. Therefore we can't really sell them.

They need help everywhere. They're ranked in the triple digits in rushing offense, passing offense, scoring offense and scoring defense.

RB Alfred Morris has accounted for 98.43 percent of the teams' rushing offense, and he will be gone next season. Also gone is legendary coach Howard Schnellenberger, who oversaw the inception of the program, got them to a bowl game and built the team a new stadium.

If there's a positive, it is that their better defenders are all returning next season.

I can't advocate a buy. And I can't sell. Therefore, just hold on to your FAU stock.

FIU

Verdict: Hold

FIU started hot and seemed like they were a team capable of winning the Sun Belt. Once they entered their conference slate, however, they've sputtered. Still, wins over ULM and MTSU to close can give the Panthers eight wins on the season, which would be an all-time high.

They're going to lose a lot of their talent on the offense this off-season. QB Wesley Carroll will be gone, as well as superstar T.Y. Hilton (to the NFL I would presume).

The defensive side of the ball is another story. FIU could return every single starter from this years team. This should be encouraging since they Panthers only give up 19.8 points per game.

I was about to give this team a "buy" stamp, but losing Carroll and Hilton will be big blows. I'd like to see them rebound and be one of the better teams in the Sun Belt, and I think they are capable of doing so. It remains to be seen though.

Florida State

Verdict: Hold

Everyone wanted to claim that FSU was going to return to glory this season but as it turns out, they may have been one season too early.

If FSU wins out they will go 10-3, which would match last season's win total. That may be a disappointment from their pre-season No. 5 ranking, but it isn't too shabby.

Next year they have the potential to return a majority of a great defense. Their entire defensive line is juniors, but many have been speculating a jump to the NFL. They will return E.J. Manuel on offense.

They are ranked No. 2 in the ESPN's 2012 recruiting rankings. This comes on the heels of a No. 1 ranking in 2010 and a No. 6 ranking in 2009. The talent is there.

I was ready to label FSU as a "buy"...but I want to wait and see what happens with the defensive players and the NFL.

Fresno State

Verdict: Hold

Fresno State is no longer the feared Cinderella of the college football world. They're currently 3-7, and will not be going to a bowl for the first time since 2006.

The offense has been adequate with QB Derek Carr. He and other star players such as RB Robbie Rouse will return next year.

It's the defense which has been putrid. They're giving up 37.5 points per game and will be losing their best player in Logan Harrell.

I say "hold" because I expect Fresno to bounce back slightly next year. I'm not calling for a WAC title, but I do expect them to return to a bowl. It's hard to get much lower as far as Fresno goes, so that seems like a safe bet.

Georgia

Verdict: Buy

Here's the reality about Georgia: their defense is playing outstanding, and the team is getting better every single game. They will pose a major threat to whoever they play in the SEC Title game (assuming they beat Kentucky).

Next season they will return Aaron Murray, Isiah Crowell, all of their receivers and most importantly, a majority of their defense. If they can patch up their offensive line (which figures to lose a few starters), they can easily be a top-ten team next season.

With the way the Dawgs have been playing, combined with what they have slated to return next season, this is an easy buy.

Georgia Tech

Verdict: Hold

Tech is going to return their entire offensive line along with QB Tevin Washington, David Sims and Orwin Smith next season. So the running game should be excellent, but what else is new?

The cause for concern is the defense, particularly up front. GT has had trouble stopping opponents on the ground this season, and they will graduate nearly their entire front line.

Still, they could beat in-state rival UGA in two weeks and end up with 10 wins, which would be a great season. Or, they could sputter down the stretch and finish with eight wins.

I'd expect GT to have similar success next season. This is a hold.

Hawaii

Verdict: Sell

Hawaii is similar today to the glory days of June Jones. They throw a lot, run a little and their defense is average at best. The only problem is that they execute each of those characterizations a little worse than they used to.

What I mean is, the passing game isn't as crisp. Moniz only threw for 2700 yards up until last game when he broke his ankle. He will miss the rest of the season.

The running game isn't as solid; they average 4.25 yards per game. And the defense isn't great; they allow 29 points per game.

Overall, Hawaii is average. They are 5-5 and have to win two of their final three games to become bowl-eligible (Tulane, Fresno, BYU).

This off-season they'll graduate Moniz and their best wide receiver, Royce Pollard. Defensively they're going to lose eight of their 12 top tacklers.

This season was a small step back for the Warriors. Next season expect a re-building year.

Houston

Verdict: Sell

Houston is a few weeks away from going undefeated and making a BCS bowl game (I would imagine they'd get in). Along the way, Senior QB Case Keenum has broken nearly every single passing record for his career.

It should be a great finish to 2011 for the Cougars. Next season they'll lose Keenum, they'll lose their three leading receivers in Patrick Edwards, Tyron Carrier and Justin Johnson. And, they may lose their coach! Kevin Sumlin has been a rumored hot-candidate for many of the coaching positions that are already open.

So Houston isn't going to be as good next season. Normally such an exodus of talent would immediately garner a "sell" label, but I struggled with this one. I considered applying a "hold" label as long as they were undefeated and in the driver's seat for a BCS berth.

In the long run, I don't think Houston is going to make it. I think they slip up against Tulsa the day after Thanksgiving, which would not only knock them out of the BCS, but knock them out of the C-USA title game as well. With that in mind, I advocate selling Houston's stock.

Idaho

Verdict: Hold

Very disappointing season for the Vandals. Two seasons ago they were 8-5 and won the Humanitarian Bowl. Last year they were 7-6. This season, just 2-8 with wins over SJSU and North Dakota.

The offense has been really bad and will graduate a majority of their skill positions. Defensively, they graduate five of their top nine tacklers.

It may be another tough season in Moscow next year. Or, fresh blood can revitalize the program. It is hard to go down from here, but there is no indication that they're going to break out and make a bowl game either. Therefore, hold.

Illinois

Verdict: Sell

A tale of two seasons for the Illini. They started 6-0 for the first time in 60 years, and as a result they locked up their first back-to-back bowl berths in 19 years.

Since, they've gone 0-4 and have had major trouble moving the ball. There's a real possibility that they lose their next two games and head to Detroit for a bowl.

The offensive line was supposed to be their strength this season, but it hasn't been. They will lose almost all their starters on the line.

They will lose A.J. Jenkins, who has been by far the most explosive player on their offense.

Finally, national sack leader Whitney Mercilus may realize his stock is at its highest and declare for the NFL draft.

Illinois got to six wins in part due to the benefit of an easy schedule. With key players leaving this season, and no signs of talent stepping up to replace them, you can expect a regression from the Illini next season. It's tough to sell a team that is going to play in back-to-back bowl games for the first time in nearly two decades, but that's the case with Illinois.

Indiana

Verdict: Buy

Buy low, sell high, right? That's what you'd be doing with Indiana.

Even if Gunner Kiel doesn't end up going to Indiana, the Hoosiers should improve next season as they'll enter the second season under head coach Kevin Wilson.

They were young this season and suffered through injuries. Expect improvement next year.

Iowa

Verdict: Hold

I think Iowa has played well beyond their means this season. They struggled against Pitt before rebounding to win and also beat Michigan, but they looked really bad against Iowa State, Michigan State and Minnesota.

Despite the inconsistencies, they will play in their fourth consecutive bowl. That should be something to build off of with James Vandenberg and Marcus Coker returning.

Now they just need to figure out how to replace Marvin McNutt, and how to get back to playing Hawkeye defense. Until then, hold their stock and see what happens.

Iowa State

Verdict: Sell

Iowa State is 5-4 overall, but just 2-4 in the Big 12. If they want to become bowl eligible they will need to pull an upset in the final three weeks (Oklahoma State, Oklahoma, Kansas State).

They will graduate a few players on their offensive line and a majority of their defense. I don't expect them to win another game and become bowl eligible. Following that, I don't know where the playmakers to compete in the Big 12 are going to come from next season.

Kansas

Verdict: Hold

I can't fully endorse a buy on Kansas as long as they have the nation's worst defense. They haven't shown signs of improvement in this regard and there is no reason to think that this will change drastically next season.

They were putting up some big numbers on offense early in the season but have since struggled, scoring only 40 points in the last three games.

Turner Gill's seat is starting to get a little hotter in Lawrence. All of the above give no reason to rush out and buy the Jayhawks for a bounce-back anytime soon. I wouldn't sell them either because they can't really go down.

Kansas State

Verdict: Buy

It may seem that this violates the ideology of not buying a team when they are high and may have peaked, but I don't really expect the Wildcats to go anywhere. In fact, I think they're going to continue to improve under Bill Snyder.

They didn't play well against Oklahoma. Then, they played Oklahoma State tougher than any other team has this season by far. It would seem that they were due for a major letdown and that they could just fold up their tent and play out the rest of the season. Instead they rebounded and beat Texas A&M in four overtimes.

I expect them to finish with nine-plus wins this season. They return all of the integral parts on offense next season and a majority of their maligned defense. I expect the latter to improve and for the Wildcats to continue to be a top-10 team and compete for the Big 12 title once again.

Kent State

Verdict: Hold

Kent State has come on in a flash (pun intended) to improve their record to 4-6 and 3-3 in the MAC. The question is, where was this all season?

The Flashes were 5-7 last season and returned 14 starters. A 1-6 start dashed any hopes of a MAC title, but now wins against Temple and EMU would have KSU bowl-eligible.

Will they learn from their early season missteps? I say they do.

They return starting QB Spencer Keith but none of their star receivers. They also return nine of their top 11 tacklers.

If they can get any explosiveness on offense, any at all, they can make a bowl game next season. It would be their first in 40 years (1972 Tangerine Bowl, coached by Don James, with Nick Saban and Gary Pinkel playing for the Flashes).

Kentucky

Verdict: Sell

Kentucky has fallen hard this season, going from a bowl team that competed with Auburn and beat South Carolina, to a four-win team that has really struggled to score.

I'm unsure of where the talent on offense is going to come from to turn things around. They figure to graduate a majority of their offensive line.

The defense has been serviceable at times, but there will be a mass exodus of talent this off-season.

Unfortunately, I expect things to get worse before they get better in Lexington.

Lousiana-Lafayette

Verdict: Sell

Louisiana-Lafayette came out of nowhere this season to compete for the Sun Belt title. A tough loss this past weekend to Arkansas State squashed any dreams of that, but the Cajuns are 8-3! Fans can't ask for much more out of first-year coach Mark Hudspeth.

My hopes are that they get selected to go to a bowl game; it would be the first one in the history of the program.

It has been a great year, but they may come back to Earth next season.

They're going to lose nine of their 11 defensive starters next season. That may be enough for a backslide. They should have most of their offense back which will keep them competitive, but to expect another eight-win campaign out of a team which has not had success like this ever is asking a little much.

Louisiana Tech

Verdict: Hold

The Bulldogs looked like they were on the right track under Coach Derek Dooley when they went 8-5 in 2008. A losing season followed, and Dooley left for Tennessee.

Last season the Bulldogs went 5-7 under Sonny Dykes. This year they're already 6-4 and have a huge game in Reno this upcoming weekend. A win would put them in the driver's seat for the WAC championship (Nevada is favored by 7.5).

Either way the season is a success. The Bulldogs will return to a bowl game, only their third since 1998.

They're going to lose RB Lennon Creer and WR Ahmad Paige, but their entire offensive line should be back. Defensively they'll lose a lot of their leading tacklers.

Therefore, it is tough to bank on LT competing for a WAC title again next season, but no one expected it this year. They should be better on offense, a little down on defense, but overall, a bowl team once again.

Also, that's a great quote. If you want more Dykes, check out this, a DVD four-pack of how Dykes likes to throw the ball. It's only 140 dollars.

Louisville

Verdict: Buy

Louisville is on the rebound thanks in large part to Charlie Strong's defense. The Cardinals are allowing only 18.6 points per game, good for 12th in the nation.

They've won three of their last four, but missed a big opportunity to become bowl-eligible with a home loss against Pitt this past week. Now, one win from bowl eligibility, they have to go on the road to UConn and USF in their final two games.

I expect them to get a win in one of the games and advance to a bowl—an accomplishment no one expected this season from them.

With Strong signed to a long extension, a majority of the players coming back, this is an easy buy.

LSU

Verdict: Hold

Being the No. 1 team in the nation, and thus having the highest "stock price" makes it hard to buy any more into LSU.

Since they're a few short weeks away from playing for a National Championship in their own backyard, I obviously would not sell them.

Therefore, for the purposes of this game, they're a hold.

They will return plenty of talent next season: Mathieu, Montgomery, Ware, Ford, Reid and Blue are all sophomores. Randle, Shepard and Claiborne are all juniors. If they all return, LSU will be top five again.

Marshall

Verdict: Hold

Marshall played a difficult schedule this season and are at 4-6 as a result. Best case is they beat Memphis and ECU and are invited to a bowl. Worst case is they miss out.

They were ridiculously young this season. They've rotated a freshman and a sophomore at QB. They'll return their entire backfield and lose only one receiver.

They're going to miss Vinny Curry, Delvin Johnson, Omar Brown and George Carpenter next year. The defense will be decimated by graduation, and be young on that side of the ball next season.

It's remarkable that they're 4-6 with their schedule and talent level. The defense kept them in a lot of games. Next season, it may be flipped. Either way, I can't see much change in their final record.

Maryland

Verdict: Hold

Things haven't gone as planned for Randy Edsall at his "dream job." The Terps have won once since the opening week...and that was against Towson.

I'd like to think that they're going to rebound and improve next season, which would merit a "buy." Until Edsall and Crowton figure out what they want to do at quarterback, however, I'm going to stick with a hold on the Terps (they should be playing C.J. Brown).

If they don't get consistent with their QB play and don't improve their defense, they won't improve next season.

Memphis

Verdict: Hold

Memphis has been one of the worst teams in the nation the past few years and there hasn't been any indication of an impending change. They're 2-8 this season and put up only 16.6 points per game.

I just don't see where any firepower is going to come from on the offense next season. They will return QB Taylor Reed, but lose some of their receivers and backs. They'll need some new players to emerge for them to even come close to making a bowl game again.

Until that happens, just hold on Memphis.

Miami-Florida

Verdict: Sell

With the uncertainty surrounding the program in the future, along with inconsistent on-the-field performances this year, the Canes are an easy sell.

They should win one of their last two games (USF and BC) to become bowl-eligible.

Following this season, Harris, a majority of their offensive line, a majority of their wide receivers and almost all of their defensive line are gone (along with Linebacker Sean Spence).

It is going to be a re-building season for the Canes next season, and there are already rumors circulating that it could be without first year coach Al Golden. Having such frequent coaching turnover and the allegations out there isn't good.

Sidenote: The FSU-Miami game was this weekend without its usual fanfare. Some of that was due to the PSU scandal, while the other portion of it was due to the teams not being as good as they once were. Raise your hand if 10 years ago you could have predicted that a Stanford-Oregon game would over-shadow Miami-FSU in a major way.

Miami-Ohio

Verdict: Hold

Miami-OH went from a 10-win team to a 4-6 team. They started 0-4 and have had no running game all season. In fact it ranks last in the nation at 77 yards per game.

QB Zac Dysert and WR Nick Harwell have turned into an effective combo, and both will return next season. Most of the line will return, so there is the possibility that they get some running game going.

They're going to lose their two best defenders in C.J. Marck and Jerrell Wedge.

When its all said and done, this is a hold situation. I want to upgrade the offense, but I can't as long as they have the worst rush attack. I want to downgrade the defense, but they'll return a handful of starters. Overall, we've come to expect more from Miami-Ohio. I expect them to compete for a bowl game again next year.

Michigan

Verdict: Buy

Michigan has exceeded expectations this season, but still isn't the classic Michigan teams we've come to know. That may change soon.

The Wolverines are 8-2 and are just two home games away from finishing with double-digit wins (Nebraska and Ohio State). If that happens, don't be surprised to see Michigan in a BCS game. They would be 10-2, they wouldn't have to play in the championship game (MSU would most likely do that), and they would be Michigan—they're too attractive for the money-grubbing bowl commissioners to pass up on (I wouldn't expect them to beat any top-10 team).

They should continue to improve next season. Robinson, Toussaint and Roundtree should be back. The defense, which ranks fifth in the nation in scoring, will continue to be a force, even with losses such as Mike Martin and Ryan Van Bergen on the front line.

And of course, they will continue to line up with great talent. They currently have the sixth-ranked recruiting class.

Michigan State

Verdict: Hold

MSU is two-wins-away against Indiana and Northwestern from winning the Legends division and going 7-1 in the Big Ten for the second consecutive season (they could be only one win away from winning the division depending what Nebraska does). Still, they're expected to win the Legends and play for the Big Ten title.

Next season they will lose a lot of talent on offense, but return nearly every significant contributor on defense (if Worthy elects to come back). In short, their already great defense is going to be great again next season.

Right now they're too high to buy. I don't expect them to win the Big Ten title, but the possibility is certainly out there. Following this season, they should continue to compete in the Big Ten. All in all, they're a hold.

Middle Tennessee

Verdict: Hold

MTSU won 10 games just two seasons ago, and have been in back-to-back bowl games. They won't return to one this season as they are 2-7, but they will return enough talent to be competitive again next season.

MTSU has a solid passing offense, 28th in the nation, but that hasn't translated into points. While MTSU loses their top two receivers, they have enough weapons to be effective through the air again next year. Now they just have to put the ball in the end zone.

The defense has been bad this year, but it was made up of eight new starters. Unfortunately the Raiders will have to go through a similar experience next season. The top five tacklers on the team are all seniors.

It sounds like next year will be another three-four win season. Until a more solid defense is established, it's hard to project more than that.

Minnesota

Verdict: Buy

Minnesota has refused to give up this season. They had one of their worst starts ever, going 1-6 with losses to New Mexico State and North Dakota State.

Since they've beaten Iowa and played MSU down to the wire.

They may not win another game this season, which would mean they would finish 2-10. Then again, they could win both games (Northwestern and Illinois), which would mean they increased their win total from last season. That would be truly remarkable given their start.

With another year of development for Marqueis Gray, the Gophers should improve next season. We can't say that for sure until their defense (ranked 104th in points allowed) improves. There is no indication that they won't finish with three or four wins next season again.

Mississippi

Verdict: Hold

We should hold onto Ole Miss stock until we see who the next coach is. Whoever comes in will inherit a lot of returning starters on both sides of the ball and will have a chance to infuse his own energy and style on to the team.

That said, Ole Miss is struggling because they are lacking talent. Until that changes, the Rebels won't compete in the SEC (they are 0-6 this season). Therefore, we can't buy the Rebels improving quite yet.

But it can't get much worse than 2-10, right? Hold onto the stock for now.

Mississippi State

Verdict: Sell

Mississippi State is one of the more disappointing teams this season. They won nine games last season and returned 16 starters, but they find themselves just 5-5 with games against Arkansas and Ole Miss remaining.

Next season their defense can continue to play well as they return most starters. Their offense is going to be a major concern though.

This year MSU has had trouble scoring. This will not be aided by Chris Relf and Vick Ballard graduating this season. Coach Dan Mullen has tried to ease Tyler Russell into the starter's role. This is a smart move, but Russell hasn't shown any flashes of brilliance quite yet.

It would have been wise to sell MSU stock at the beginning of the season when they were rated highly. I still think it is the right move today. The offense is going to struggle next season, and the division isn't going to get any easier.

Missouri

Verdict: Hold

Mizzou is a forgotten team this season. They're 5-5, they're in the middle of the Big 12, and they don't produce the large offensive numbers they used to. None of that means they aren't good or can't compete.

They scored a big win over Texas this past week. Now they close with a home game against Texas Tech and then Kansas at Arrowhead. They should win both games.

James Franklin has improved this season and the Tigers are doing a great job running the ball.

Those all sounded like positives, right? Why am I holding?

They will lose four starters on the offensive line. They will lose a majority of their playmakers on defense.

I don't want to sell them, especially as Franklin and Henry Josey continue to produce on offense. But with all they are going to lose, I can't buy them to improve their lot in a tough Big 12 either.

See how the defense fares early next year and how they re-build their line before making a decision.

Navy

Verdict: Buy

This is the worst Navy has been in recent memory. More accurately, the Midshipmen haven't missed a bowl since 2002, a dubious feat they will accomplish this season.

They returned only three starters on defense last year. Next year they'll return in the vicinity of eight. The offense will have a lot of turnover, but that is always the case at Navy.

It is likely that this season was a sort of anomaly. With the starters lost on defense, combined with some close losses (four by three points or less!) it is no wonder that they're 4-6.

And at 4-6, they can still make a bowl with wins against SMU and Army. That would be remarkable.

Give them a more experienced defense next year and reverse their fortune in close games and they'll be just fine.

Nebraska

Verdict: Buy

I would argue that Nebraska has the second-best chance of winning the Legends division, behind MSU (they won the head-to-head), but it will all come down to Nebraska and Michigan this weekend. If Nebraska wins but MSU doesn't slip up, we may find Nebraska as an at-large in the BCS (same argument I made for Michigan).

Regardless of what happens, I'm buying Nebraska. They are going to return a majority of their offense next season, including Martinez and presumably Burkhead. More importantly, they will return a majority of their offensive line. This should make the Huskers' rushing game even more potent.

Losing Lavonte David will hurt the Huskers, but they should still have a lot of returning playmakers on defense. I expect them to be the favorite in the Big Ten Legends next season.

Nevada

Verdict: Buy

With Boise out of the way, Nevada can reign supreme in the WAC for years (or until they get rid of it or combine it with three other conferences).

The Wolfpack went 13-1 and won the WAC title last season. In the off-season they graduate Colin Kaepernick and only return 12 starters. So what do they do? They start 6-3 with losses to Oregon, Boise and Texas Tech (by 1), and are a win against LT away from repeating as WAC champions.

They've been doing most of this with freshman QB Cody Fajardo. Leading rusher Mike Ball will be back next season as well.  They'll continue to be a great rushing team.

They're going to lose quite a bit on defense, but I expect them to re-load. They'll return Khalid Wooten and Jeremiah Green.

New Mexico

Verdict: Buy

The Lobos are 1-9 with their lone-win coming this past weekend against UNLV. Nowhere to go but up, right? Plus, they're going to be with a new coach, as the Mike Locksley era came to an unceremonious end.

New Mexico has a long way to go. But, they're going to return all their skill players on offense. They're going to return most of their line. They're going to return 16 of their top 20 tacklers.

They have to do better than one win, right?

New Mexico State

Verdict: Sell

NMSU is 4-6 and has to win out to become bowl eligible (BYU, La Tech, Utah State). Most likely it won't happen, but no one expected four wins to begin with out of the Aggies!

They're going to lose a lot of talent on offense including QB Matt Christian and WR Taveon Rodgers. Defensively, they'll lose their top five tacklers, and six of their top seven.

I love the surprise that DeWayne Walker's team has produced this season. With all the losses, however, it is going to be difficult to match the success next year.

North Carolina

Verdict: Hold

I feel as if UNC missed an opportunity to be successful in the ACC this season (they certainly missed one last year). They're just 2-4 in the ACC and have been mediocre in all areas of the game.

They're going to lose talent on defense. Coples will be gone, as will Donte Paige-Moss (although he should probably stay). These two were supposed to be sack machines, but have combined for just 6.5 on the season.

Bryn Renner has been a nice surprise, and they've found a solid back in Giovanni Bernard. With a few returning starters on their line, UNC should be able to continue to improve their running game next season.

With an improved offense and a regressing defense, this is a hold.

North Carolina State

Verdict: Sell

N.C. State is as inconsistent as you can get. A shutout loss was followed by a shutout win against UNC, which was all followed by a loss to Boston College. What can you say?

Two of their five wins have come against FCS opponents, so the Wolfpack need to beat both Clemson and Maryland to become bowl eligible.

Mike Glennon is done after this season, along with two of the top three receivers. That isn't good considering the Pack are 111th in rush offense.

With Tom O'Brien sitting on a hot seat, it's time to sell the Wolfpack.

North Texas

Verdict: Hold

North Texas has had a better-than-expected season so far. They're 4-6 with a win over Indiana. Their six losses are all to teams with more talent than them (most notably Alabama). So even if they don't beat WKU and MTSU to finish .500, the season has been successful.

They're going to lose RB Lance Dunbar, who is very talented and will be much missed. Otherwise, their offense will remain nearly intact. Defensively, they will lose a majority of their starters.

It will be the second season for head coach Dan McCarney. I expect him to eventually bring the program back to prominence, but doing so next season might be wishful thinking. Still, expect the Mean Green to compete and win a few games in 2012.

Northern Illinois

Verdict: Hold

NIU has developed a program that will compete for the MAC title every single season. Last year they dominated everyone in the MAC before being upset in the title game. This season they were expected to regress a bit, and haven't. Instead they're 7-3 and control their own destiny in the MAC (they have Ball State and EMU at home).

It's astounding that they're doing this with just two returning starters on defense. Next year they'll be more fortuitous as they return 13 of the top 16 tacklers on the team, including their top two sack-men, Sean Progar and Alan Baxter.

The main blow will come with the loss of QB Chandler Harnish. Harnish has thrown for 2,256 yards and 20 touchdowns, and added 1,022 on the ground! It is going to be very difficult to match that productivity.

Additionally, the Huskies are going to lose a majority of their offensive line and RB Jasmin Hopkins.

In short, the defense will be better, the offense worse. Don't expect any more 63-60 games like we had this season.

It would be expected if NIU took a step back next season. Don't be surprised if they end up competing in the MAC once again though. Besides, as long as they're in the driver's seat for the title like they are this season, you have to classify them as a "hold."

Northwestern

Verdict: Sell

A disappointing season for Northwestern started with an injury to star QB Dan Persa. They were lost early on but have been able to rebound for three straight wins to improve to 5-5. Now a win over Minnesota will give them a bowl berth.

But what about after that? The Wildcats will lose Persa at the end of the season. They will lose their best receiver in Jeremy Ebert. They will also lose a majority of their defensive line.

We've seen what Northwestern does without Persa and with injuries. It isn't pretty. Next year they will have to face a similar situation with all the players graduated. It isn't likely they will make a bowl next season (if they make one this year, it will have been four-straight).

Notre Dame

Verdict: Hold

This was supposed to be a big year for Notre Dame. They had some talent, a favorable schedule and momentum from last season. All of it was supposed to lead to a BCS bowl game.

Instead, they came up short. They are most likely headed for the Champs Sports Bowl, regardless of what happens in two weeks against Stanford.

They're going to lose their two best players in Floyd and Te'o (if Te'o elects to leave). Te'o returning would be a big boost for them, since their defense has been average throughout the season.

They're going to return all their offensive weapons except for Floyd, so it can continue to be an offense that puts up big points. Plus, they will have back-to-back top-10 recruiting classes, so Kelly will finally have "his players."

I don't expect anything from Notre Dame next season that I didn't see this season. They're not going to win the BCS championship, and they won't be awful either. Expect eight wins.

Ohio

Verdict: Buy

Ohio is going to continue to be the creme de la creme in the MAC as long as Frank Solich is around. The Bobcats control their own destiny this season. With a win against Bowling Green and Miami-OH, they will be headed to a MAC title game.

The team will return a majority of their line and QB Tyler Tettleton, but they will have to replace a lot of the skill players around him. Gone is RB Donte Harden and receiver LaVon Brazill.

Defensively they have the chance to be real special. They are only going to lose two of their top 11 tacklers from this season. They're going to have around nine starters back from a team that only allows 22 points per game this season.

I expect them to make the MAC title game this season and have a great game against whomever they play. Next year, I expect them to be back there again.

Ohio State

Verdict: Buy

Buckeye fans have to be encouraged with how their team has performed this season, even with a loss to Purdue this past week.

Next season they will return Miller and literally every single player who has caught a pass this season (save for Herron). They should be able to improve on offense, even with the loss of Herron.

Only one interception on the team belongs to a senior. Fifty of the 57 Tackles for loss are from Juniors or younger, as are 21 of the 22 sacks.

All of this and no mention of the head coach. I wouldn't get rid of Fickell unless they had someone huge lined up (like Urban Meyer).

Either way they figure to be very successful next season.

Oklahoma

Verdict: Sell

Oklahoma came in as the No. 1 team in the nation and lost the ranking before even losing to Texas Tech. Once they did, they put themselves behind the eight-ball as far as returning to the BCS national title game.

They can still win the Big 12 (and I guess make the national title, although this is much more unlikely).

They're going to lose a lot of talent this off-season though. Gone is career-receptions leader Ryan Broyles. Gone is Frank Alexander. Gone is Travis Lewis.

Much of the team's success will come down to the Landry Jones' decision on whether or not to return. If he doesn't, there could be trouble in Norman. If he does, Oklahoma will be solid again, but may have trouble competing for a national title regardless.

Oklahoma State

Verdict: Hold

Oklahoma State is No. 2 in the nation and controls their own destiny as far as making the National Title. Therefore, we're not selling.

Following this season the Cowboys will lose Weeden, a majority of their offensive line and perhaps Blackmon. Their defense will return a majority of starters, and thus improve, but OSU won't compete for a national title again next season.

But for now, hold onto their stock. They're two games away from going to New Orleans.

Oregon

Verdict: Hold

In my mind, this year's Oregon team is much better than last year's Oregon team. Barner is a bigger factor, Thomas is throwing the ball much better, and I think they are slightly better on defense, even without Harris.

They have two home games against USC and Oregon State to get through before they win the inaugural Pac-12 north division.

They will return nearly all their talent on offense next season, which is scary for opposing teams. But, they will lose a majority of their playmakers on defense.

Overall, they figure to be the best team in the Pac-12 North again next season. No reason to sell right now, but I can't buy until I see how they replace their front seven.

Oregon State

Verdict: Hold

Oregon State has no offense to speak of. Their rushing attack is 119th in the nation, and freshman Sean Mannion has struggled under center. They need to fix their offensive line.

They aren't much better on defense, allowing 30 points per game.

They graduate a lot of players on both sides of the ball. This could mean that they will continue to struggle next season, or it could be a blessing. It remains to be seen. It is hard to imagine that they will do worse next year, but there really isn't any indication of improvement, so a hold is the right move.

Penn State

I don't want to trivialize the situation going on in Happy Valley, but unfortunately, playing a game such as "buy/sell" does that. I don't know how Penn State is going to respond with everything that is going on, with an entirely new coaching staff, new A.D, new President, etc. The whole scandal is just one of the most awful scenarios imaginable.

Pittsburgh

Verdict: Hold

The Panthers have disappointed many this season, turning from Big East contenders to a 5-5 team (I don't think they can win the Big East anymore, but who knows...seriously, look at this). 

The main source of concern is the offensive line. Pitt leads the nation in sacks allowed. As a result, Todd Graham has been unable to get his offense going.

Until we know if they can fix it, we can't say much about Pitt. They will have Graham back from an injury next season, and Sunseri will return for his senior season.

They will lose just about everyone defensively, save for defensive tackle Aaron Donald. It could be a re-building year on defense.

The o-line needs to be fixed. Immediately. They can't be struggling on both sides of the ball. If they fix it and are able to replace the defensive players, they can compete in the Big East. If not, they'll continue to be .500.

Purdue

Verdict: Buy

Purdue is 5-5 and one win away from bowl eligibility (host Iowa, travel to Indiana). It would be their first bowl berth since 2007.

This is unexpected after the Boilers' start. They escaped with a win against MTSU, and then lost to Rice. They improved every week though, beating Illinois and Ohio State along the way and playing PSU to the wire.

They're going to lose their second leading wide receiver, Justin Siller, but everyone else on the offense should be back.

They will lose a few pieces on defense, but if they can convince Kawann Short to stay another year, they can have a solid defense up the middle (Short on the line, Holland at linebacker). They'll need to re-build their secondary, but if they continue to improve, they'll be in a bowl again.

Rice

Verdict: Sell

Rice got out of the gates well enough, pulling an upset against Purdue and competing with superior teams. Then we found out that their defense isn't very good, and they've struggled in C-USA as a result.

Combine that with the fact that they're losing their best defensive players (Scott Solomon and Justin Allen for starters) and it's easy to see that there is a long way to go in Houston for the Owls.

The Owls had 17 starters coming back this season and were unable to capitalize on their four wins from last year. Now they're going to enter a rebuilding year.

Rutgers

Verdict: Buy

The Knights have seven wins and are in second place in the Big East despite being ranked 118th in rushing offense. Their three losses have been by a combined 14 points.

Their defense is what is keeping them in games. They allow only 18.2 points per game, good for 11th in the nation. What really has fans excited is that other than DE Justin Francis, nearly every major contributor on the defense is a junior or younger.

They'll have every skill player back on offense. They're exceeding expectations this season, but with an under-rated, forgotten coach like Schiano, there's no reason to think they won't continue to improve and come out and compete for the Big East once again in 2012.

San Diego State

Verdict: Hold

San Diego State experienced a great resurgence the past couple of years. Last season they went 8-5 and won the Poinsettia Bowl. This season they're 6-3 with two winnable games left, and will thus be in consecutive bowl games after not appearing in one since 1998.

They will be hurt by Ryan Lindley leaving, but superstar Ronnie Hillman returns. Hillman had 1600 rushing yards last season, he has 1,278 this season (meaning he's on pace for 1.846). He's incredible.

Defensively they will lose a lot of their leading tacklers.

Next year will be a re-building year, no doubt. With Hillman present, however, they can advance to a third-straight bowl game.

San Jose State

Verdict: Sell

SJSU returned all 11 starters on defense this past season. Despite this, they're ranked 93rd in the nation in points allowed. Next year they'll only have a few starters back on this side of the ball.

Offensively they are going to lose their starting QB, starting RB and a majority of their offensive line.

It's hard to sell a team with three wins. But, SJSU had an opportunity for major improvement this season and did not cash in. Now they will lose a majority of their players and have to start over again.

SMU

Verdict: Hold

I'm holding off on SMU. June Jones was able to get the biggest win of his tenure in Dallas with a win over TCU earlier this season, but the Mustangs aren't there yet. Surprisingly, it's been the offense that has struggled. The Mustangs have combined for just 10 points in their two C-USA losses (Southern Miss and Tulsa).

The Mustangs are going to have to either revert back to Kyle Padron or find a new QB next season because J.J. McDermott is out. Zach Line and Darius Johnson will do their best to help the new guy out.

The defense is going to be strong next season. They only allow 23 points-per-game this season, and will return seven starters next season. They are going to be a veteran defense.

With a new QB and a new offensive line, I'm going to hold off on buying them. I don't expect them to destruct with the changes, so I'm not selling. If a new QB can come in and distribute the ball the way Jones wants, they could emerge as the best team in C-USA, but, we'll see.

South Carolina

Verdict: Buy

I'm going to continue to buy into South Carolina. It seems like a regression this season; going from SEC East champions to most likely second place, but in a lot of ways they've played better than last year (after all, they were 9-5). If they win two combined games between The Citadel, Clemson, and their bowl game, they'll win 10 games this year. That will be the first time that happened under Spurrier.

Having to play Connor Shaw early as a replacement for Garcia might be a blessing in disguise. Now the Sophomore has some playing experience to go on going into next year. Lattimore will return from injury, Brandon Wilds will provide an effective spell, and they will return a majority of their receivers. Jeffery is only a junior, but will likely go to the NFL draft.

The defense will lose two big players in Melvin Ingram and Antonio Allen. Spurrier needs to convince Devin Taylor to stay and line up opposite Jadeveon Clowney. Then, the Gamecocks can be good on defense again, and put up another double digit win season.

Southern Mississippi

Verdict: Hold

Southern Miss has already locked up a spot in the C-USA title game. They're 9-1, undefeated in conference, ranked No. 22 in the nation, and only have games against bottom feeders Memphis and UAB left before the title game.

As long as they have that in front of them, I'm not going to sell their stock. Larry Fedora inherited a winning program and has done nothing to change it, winning 31 games in three plus years.

They're going to lose QB Austin Davis and all of their big time receivers. An experienced offensive line coming back will have to help the new QB and running game.

They'll also lose a majority of their defense.

Fedora and the players know that the time for success is now. A C-USA title is within their grasp. After this season, expect a regression, but for now, enjoy watching them play; they're a great team.

Stanford

Verdict: Sell

This decision unfortunately became very obvious following this past weekend. Stanford went from national-title hopes to needing help to win the division. Such is the life of college football.

It's a shame. There's no reason to think Stanford is going to lose again this season, and if they don't, they'll be 23-2 in their last 25 games with no conference title to show for it. If they do run the table, they should be invited to a BCS bowl game for the second consecutive year.

*Sidenote: Looking back, there wasn't that big of a fuss that a rule got TCU into the Rose Bowl instead of Stanford last season. It ended up being an amazing Rose Bowl, but even before the game, no one was complaining about the un-traditional match-up. I guess there aren't as many purists out there as we thought.

Everyone knows that Luck will leave at the end of the year, which will significantly hurt Stanford's chances for continuing such a high level of success. Also gone will be Chris Owusu, Coby Fleener and Griff Whalen. This all indicates that Stanford will definitely be a rushing team next year.

Defensively they're going to lose Chase and Michael Thomas.

They're going to regress next year. It's an unfortunate reality.

Syracuse

Verdict: Sell

Syracuse continues to surprise a lot of people. They weren't supposed to go to a bowl game last year, but they did. They weren't supposed to go to a bowl game this season, but they can with a win against Cincy or Pitt.

They will graduate their leading rusher Antwon Bailey. After him they have...not much. Starting QB Ryan Nassib will also be leaving after this season, leaving a huge need for offensive production from the Orange.

The defense returns enough players next year to perform on a level that is equivalent to this season's team. Still, without much help from the offense, they will struggle.

Therefore, I regretfully and most likely wrongfully am going to sell Syracuse. They've surprised before.

TCU

Verdict: Buy

TCU went ahead and reminded Boise of who the conference belongs to this past weekend.

After going undefeated and winning the Rose Bowl last season many expected a letdown this season. They got it; sort of. They lost two close games to Baylor and SMU. What many didn't expect is a repeat MWC title. TCU is two home wins against Colorado State and UNLV from accomplishing that (running the table in the process).

They're going to return QB Casey Pachall. They're going to return every RB. They're going to return almost every wide receiver. The defense, which has improved over the course of the season, will return approximately seven starters.

Due to the move to the Big 12, the Frogs will get more notoriety. The move for TCU is good right now. Don't expect them to regress because they are playing tougher competition; expect them to go out and dominate. They've shown they can beat anybody they play.

Temple

Verdict: Hold

Temple has fared just fine without head coach Al Golden. They aren't going to win the MAC, but they are 6-4 with games against Kent State and Army remaining. They could match last year's win total of eight (when they were inexplicably uninvited to a bowl).

The defense only allows 13 points-per-game, but it is senior-dominated. The top five tacklers will be gone, including stars Adrian Robinson and Tahir Whitehead.

They will lose almost all of their receivers, but the strength of this offense is RB Bernard Pierce. He should return for his senior year.

If Temple can run the ball and re-load on defense they'll be great. If they don't they'll regress slightly, but could still compete for a MAC title. I don't see them falling enough to merit a "sell."

Tennessee

Verdict: Buy

The beating Tennessee put on Cincinnati in the second week of the season seems like light-years ago now. Tennessee has been destroyed by injuries all around, none bigger than to QB Tyler Bray. It hurts as the Vols seemed to be a team headed in the right direction under Derek Dooley.

They're going to have all their receivers back next season, along with Bray and they should have a more experienced offensive line. All that together, they could be a lot better on offense.

They're also young in the secondary and on the d-line this season. Next season, with another year of experience, the defense should be much improved.

If the line improves, Tennessee can go back to competing in the SEC East. If they don't and they're oft-injured again, then they will continue to struggle. Still, I like them to bounce back from a difficult year and make a bowl again next season (wins against Vandy and Kentucky will get them to one this year).

Texas

Verdict: Buy

I never would have thought I'd buy the Longhorns after their performance against Oklahoma, but here I am. They have an extremely talented backfield with Malcolm Brown and Joe Bergeron. They're also going to return a majority of their offensive line and go with a quarterback who wants to play for them (apparently Gilbert did not).

The defense is going to miss Emmanuel Acho and Keenan Robinson, but most of their talent will be back. And of course, they have been recruiting well and will be able to fill holes up with some talent.

There certainly is some room for improvement. They are coming off of a 17-5 loss to Mizzou, so it isn't as if Texas is back to the Vince Young glory days. Still, I like what I've seen this year compared to last, and I expect the improvement and resurgence to continue.

Texas A&M

Verdict: Sell

Texas A&M missed their chance for something great. Many crowned Texas A&M as a sleeper after their exciting finish to the season last year, but instead they have struggled on defense and are just 5-5.

*Note: I want to point out that last season LSU played Texas A&M in the Cotton Bowl. LSU won 41-24. This season, A&M returned 18 starters and LSU 15. LSU was ranked No. 4 pre-season, A&M No. 8. Their seasons have taken different paths since then.

A&M is going to lose Ryan Tannehill and Cyrus Gray next season, which other than Ryan Swope and Christine Michael, is pretty much 100 percent of their offense.

The defense is going to return a lot of starters and can't help but get better.

With a depleted offense, a re-building defense and a coach potentially on the hot seat, you're going to want to sell Texas A&M.

Texas Tech

Verdict: Hold

After beating Oklahoma the Red Raiders did the unthinkable. They lost three straight games by 34, 32 and 60. How is that even possible?

Now they have to pull an upset in their final two games (at Mizzou, Baylor) to become bowl eligible. Yikes. The defense is giving up 37.4 points per game. Yikes again.

The defense is going to return its top nine tacklers. They were a young unit this season. Now, its up to them to improve and make a contribution.

Tech should have every significant contributor on offense back next season, which means they will still have the ability to score and the propensity for an upset. Until anything happens with the defense, however, we can't buy.

Toledo

Verdict: Sell

Toledo only has one MAC loss—a defeat to NIU that might eventually keep them out of the title game. Beyond the MAC, they should have beaten Syracuse (bad ref call) and could have beaten Ohio State.

They'll miss Adonis Thomas and Morgan Williams in the backfield. The duo combined for 19 touchdowns so far this season, and Thomas gives them a passing threat out of the backfield.

Defensively they're going to be decimated by graduation. Nine of their top-11 tacklers are seniors. It will be tough to replace all that.

I love what Toledo has done so far this season. They have been successful and can still get back into the MAC title game if NIU slips up.

With all the talent that is leaving, however, they're due for a slight rebuilding year next year.

Troy

Verdict: Buy

Troy is going through a very uncharacteristic season. By that I mean they're losing! Troy hasn't lost since 2005, and since then they have won or shared the Sun Belt title every single season. This year, however, they're only 2-7.

Insiders have told me that it is the change in coordinators that have gotten the Trojans into trouble. Certainly the defense isn't playing up to how it has in the past. Just three years ago they allowed 21 points per game. This season...34.6.

They'll have almost their entire offense back, so expect an improvement in their 22 points per game stat next season. They're going to have another change over on defense, replacing approximately half the starters. They will bring back Jonathan Massaquoi, a solid defensive end.

I'm buying Troy because it is just silly to see them at 2-7. It's even worse to think they'll continue performing this way.

Tulane

Verdict: Hold

It didn't work out for Bob Toledo in New Orleans, and I'm worried that a regime change will set the Green Wave back to square one.

Tulane is just 2-9 and has not been to a bowl game since 2002. This year they are given up 38 points-per-game, the third worst in the nation.

They will have a lot of starters back on offense. It will be interesting to see who the new head coach is and what type of scheme he brings. With the experience they are returning, they could be successful rather quickly (as long as they don't run the Pelican-thing they've been running the past few years).

They're young defensively and return a lot of players. Again, a new coach can come in, look at a lot of experience and make something happen. I'm optimistic Tulane will turn it around, but they haven't won more than four games since 2005, so a buy here would be wishful thinking.

Tulsa

Verdict: Hold

I love the way Tulsa went out and scheduled tough non-conference opponents. It's a move we see oftentimes in basketball, but rarely in football. The Golden Hurricane played Oklahoma, Oklahoma State and Boise State non-conference this season. All losses, yes, but those are the only losses for Tulsa this season. Now, they're in position to win the C-USA West division (showdown against Houston).

They have two sophomore running backs with over 700 yards (Ja'Terian Douglas and Trey Watts) and will return their top two receivers as well (and possibly Damaris Johnson if he's reinstated). They will lose GJ Kinne, however, who will be difficult to replace.

They'll also lose approximately half of their defense, including their best player Tyrunn Walker.

I love the attitude and I love what they have created in Tulsa. They can be very good again, but they will have to replace a lot of key players. Better to hold off right now before investing further on the Hurricanes.

UAB

Verdict: Hold

UAB came in off a four-win season with 16-returning starters. With a tailor-made schedule, many thought they should improve upon their four win season. Instead they're 2-8.

They'll return a lot of their skill positions on offense, but may have to replace all of their offensive line, a dubious endeavor for a 2-8 team. The defense also figures to lose a lot.

They are 2-8 this season. Therefore it is hard to go down, and a large changeover may be what the doctor ordered. Still, UAB isn't a team you can buy in to right now.

UCF

Verdict: Buy

We've seen odd regressions from UCF before. In 2005 they won eight games, and then four the next season. In 2007 they won 10, followed by four. Last season they won 11, and this year they're just 4-6.

They haven't won the close games this year. Southern Miss by one point and UAB by two would have been enough to get this team bowl eligible. Instead they have to beat ECU and UTEP to get into the postseason.

They still play great defense; allowing only 16.7 points-per-game. They are going to return a lot of their starters on defense and be even better next season.

With a more experienced offense, I fully expect UCF to be back competing for a C-USA title next year. Buy this team.

UCLA

Verdict: Buy

I'm buying UCLA because of the progress they have made this season. It's easy to say they're a Jekyll & Hyde type team, and losing to Arizona by 30-plus and then beating Arizona State two weeks later would support this, but they have gotten better as the season has gone on.

I expect UCLA to beat Colorado and become bowl eligible as a result. After that they need to beat USC to win the division. They'll be big underdogs at the Coliseum, but stranger things have happened.

They should be even better next season. They'll return Johnathan Franklin. They'll return Kevin Prince and Richard Brehaut, which will set up "Quarterback Battle Westwood Part IV."

And, they'll be able to mix in Freshman Brett Hundley a bit more (the highest rated QB from last season's recruiting class, Hundley figures to be the best fit for the pistol offense).

The Bruins are young on defense. Only one of their top 13 tacklers is a senior, and none of the juniors figure to leave early.

UCLA has been hurt in the past few years because they haven't been able to get into a pattern. What I mean by that is, they've suffered injuries, they've rotated quarterbacks, they've installed a new offense, they've changed coordinators multiple times, etc. 

If they go into next season with the same coaching staff, the personnel they expect to have and avoid any major injuries, should be better.

ULM

Verdict: Buy

Monroe returned 17 starters this season and figured to be one of the stronger teams in the Sun Belt. Many thought they could compete for the title and make their first bowl game. Unfortunately a difficult early schedule derailed them permanently.

They're going to return every skill player next season and around half of their offensive line. They have to improve on their 25 points-per-game status.

Defensively Monroe has given up 27 points-per-game. Neither of these stats are awful, and they really shouldn't produce a 3-7 record.

It was a combination of a tough schedule (FSU, TCU, Iowa) and close losses (Lafayette by 1, WKU in OT, Arkansas State by five) that produced this record.

With a lot of their players coming back with a tough year experience under their belt, improved fortune could get Monroe back into the Sun Belt discussion (and it will be coach Todd Berry's third season at the helm). I think this team is ready to compete.

UNLV

Verdict: Sell

UNLV has developed into one of the weaker teams in the nation. The Rebels are 2-7 with nice wins over Hawaii and Colorado State, but bad losses to New Mexico and Southern Utah (41-16 no less).

They haven't made a bowl since 2000, and have averaged three wins per season the past six years. Therefore it is really difficult to buy into the Rebels as of right now.

They should hang their hats on this though. They will have a quarterback and backfield entirely back. They will have an entire offensive line back. They will be entering the third year under coach Bobby Hauck.

Finally, they've beaten Hawaii and Colorado State. Build off of that. No one is expecting you to beat Boise, compete for the MWC or even make a bowl.

Focus in on what you've done well, try to win more than a couple of games and good things will happen.

USC

Verdict: Buy

This might be my biggest buy in the entire nation. For whatever reason, the Trojans are getting no respect from the national media. That is going to change soon.

They're guaranteed that some great players come back (Woods, Telfer, Lee, Robey, Grimble), and have the potential to return Barkley, McDonald, Perry, McNeal and Horton.

Anyone who has watched them this season can see that the Trojans are stockpiled with talent. With half of the "maybes" back, they're a top-20 team and back in bowl contention. With Barkley back, they're a top five team.

It is pretty annoying to hear USC talked about as if they are an unranked team, yet people do. National media will say that "Notre Dame lost to an unranked USC" or "Stanford is hurt by going to three OTs against an un-ranked USC team."

USC is ranked 18th in the AP poll. They're not ranked in the Coaches Poll due to the sanctions. They get ranked in the BCS to help figure out other teams' ranking (strength of schedule stuff), but then it is thrown out.

So next time you're at a party and someone perpetuates this myth that USC is "unranked" just because there isn't a little number next to their name on the TV, kindly tell them they don't know what they're talking about.

USF

Verdict: Hold

USF can't win the Big East, but they can become bowl eligible with one more win. They end the season with three straight home games against Miami, Louisville and West Virginia.

It's a disappointing second season for Skip Holtz. Optimism was at a high after an opening-week win against Notre Dame. Then, three more wins against inferior competition. Since then, the Bulls have struggled in the Big East.

Will they ever get over the hump and win the conference? It seems as if they start strong every single season and then fade down the stretch (it seems this way because it is this way).

It appears as if every skill player on offense will return next season, along with an entire linebacking corps, which is solid.

I hate to say it again, but USF could be the best team in the Big East next year. We all know what that means. Just hold on for now.

Utah

Verdict: Buy

The Utes certainly experienced a rude welcome into the Pac-12. They suffered through injuries and started 3-4.

Now, after three-straight wins they're bowl-eligible for the ninth-straight season. With a game against Wazzu and Colorado, eight wins isn't out of the realm of possibility (and then the bowl game).

Jordan Wynn will be back from an injury next season and John White IV should accompany him. With their entire receiving corps and most of their offensive line back, the Utes can be formidable on offense.

Utah State

Verdict: Buy

Utah State wasn't expected to do much this season. They won four games last year and were expected to repeat that output.

They are currently 4-5, but they had Auburn on the ropes, they blew a game to BYU, lost to Colorado State by one and lost to La Tech by seven.

What I'm trying to say is, they could have seven wins and be in second place in the WAC right now.

They're going to get everyone back on the offense when it comes to the skill positions, and they're going to return a majority of an improving offensive line. The team is currently 21st in the nation in scoring offense, and that should improve.

They're going to lose their two best defensive players: Levi Koskan and Bobby Wagner, but will return a majority of starters.

With so much experience coming back off of a season of highs and lows, I expect this team to make a bowl next year.

UTEP

Verdict: Buy

I'm going to buy UTEP for a couple of reasons. One, they're one win away from making a second-straight bowl game. This would be a major accomplishment considering they had only two starters returning on offense.

Secondly, they are going to return their entire o-line next season. Same QB in Nick Lamaison, a few of the same receivers and a new backfield. All of that pales in comparison to an intact offensive line.

Defensively, only three of the team's 22 sacks come from seniors. Similarly, only 18.5 of the teams 57 TFLs are from seniors.There will be some bodies to replace, but the best players are coming back.

UTEP showed that they had staying-power despite a re-building year. Now, they can build off this experience and improve next year.

Vanderbilt

Verdict: Buy

If you've read any of my other posts, you will know how big of a fan I am of Vanderbilt and coach James Franklin. The Dores finish with two road games against Tennessee and Wake Forest, needing to win one to become bowl eligible. I hope they get it.

Next year they'll have Jordan Rodgers back. They'll have RB Zac Stacy back. They'll have every major wide receiver back. They'll have a majority of their line back. They'll lose some talent up front on defense, but should be able to work around it.

Forget all that though. The main change that has occurred at Vanderbilt is their attitude. See it again in this video. "We're not going to sit back and take stuff from anybody. Anybody. No one. Those days are long gone, and they are never coming back. Ever."

Franklin is going to find 22 guys to play for him, and they will continue to improve.

Virginia

Verdict: Hold

Mike London's Cavaliers team controls their own destiny in the ACC. Not bad for a 4-8 team that was predicted to finish in second-to-last in the ACC. The odds are stacked against them, but they already have seven wins and will be going to a bowl game for the first time since 2007.

They will return both Perry Jones and Kevin Parks at running back next season. They will also return QB Mike Rocco.

The team is going to be hurt by a loss of a lot from the front seven. Cam Johnson and Matt Conrath each have double-digit tackles for loss, and both will be gone. The Cavs only have five sacks from non-seniors this season.

I'd love to buy Virginia for everything they have done. The prudent move would have been to buy them at the beginning of the season. As of now, however, they may be close to their ceiling.

That said, I expect them to be in a bowl game again next season. A "hold" is the right move.

Virginia Tech

Verdict: Buy

Virginia Tech wins the What About Bob award for never actually being gone despite any evidence to the contrary. 

The Hokies had their national title hopes dashed when they were decimated at home by Clemson. If the Hokies win against Virginia in two weeks, they will get their re-match against the Tigers (or if Virginia loses to FSU and VT beats UNC).

And don't look now, but Tech is going to bring a lot of players back next season. David Wilson and Logan Thomas will both be back, along with nearly the entire front seven.

Virginia Tech has 32 sacks on the season. Not one has come from a senior.

Wake Forest

Verdict: Hold

Wake has surprised everyone with their play this year. This past weekend they missed a golden opportunity to gain control of their division. Instead, they blew the game at Clemson and are now 5-5 on the season.

Can you believe it? They lose and they're not even bowl eligible. They win, and they have to beat Maryland to make the ACC title game. Yes, it was a big game.

They should get a win and become bowl eligible.

Next season they return QB Tanner Price and a majority of their skill players. But, they will lose almost their entire offensive line and their two top tacklers on defense. There are still a few playmakers in the front seven on defense to keep them competitive.

I expect Wake to be a bowl team again next season. This is what I have come to expect from Jim Grobe, one of the nation's finest coaches. They should make it again, but it isn't as if they are flooded with talent. This is a hold situation.

Washington

Verdict: Buy

Washington gets better every single year under Coach Steve Sarkisian. Five wins in 2009, seven last year and six already this year. They were able to continue their progression as a program despite losing Jake Locker to the NFL draft.

With two winnable games left, a repeat trip to the Holiday Bowl and a nine win season isn't out of the question.

Next year they will Keith Price (or Nick Montana, should they want to go that route). Chris Polk figures to return, even though when this season is all said and done, he'll have around 3,000 all purpose yards the last two seasons combined.

They have enough talent returning on defense that they can continue to improve in this facet of the game.

Buy them now. They will continue to get better under Sark.

Washington State

Verdict: Buy

Washington State is one of the nation's surprise teams, even with a 4-6 record. That is because you have to consider that the Cougars' three FBS wins this season matches their total from the last three seasons combined.

They did it through injuries as well. QB Jeff Tuel went down early in the season, but Senior Marshall Lobbestael stepped in and performed very well.

Next season will see Tuel in his senior season. It will also see under-appreciated WR Marquess Wilson return for his junior season. And freshman RB Rickey Galvin will be back...and defensive standout Travis Long. In short, Wazzu will have plenty of contributors back next year.

The offensive line is going to be the main area of concern; they will have to replace a majority of it. Still, this is a team that could have won six games this season (close losses to SDSU, UCLA), and did beat Pac-12 south favorite Arizona State. Why not buy them?

West Virginia

Verdict: Hold

I believe in Dana Holgorsen as a coach and play-caller. I believe that Geno Smith will return for his senior season, and the Mountaineers offense will be more potent in 2012. Bailey and McCartney will definitely be back at Wide Receiver, and Tavon Austin should return.

Now they just need to develop a running game.

They're going to lose some talent on defense, most notably in the form of DE Bruce Irvin. This is the side of the ball that has struggled and will need to improve.

Until that happens, I can't advocate a buy. I'd like to with the potential prowess of the offense, but let's be realistic. The offense is very good this season...that doesn't stop you from allowing 49 to Syracuse or 38 to Louisville the way the Mountaineers have this season.

Western Michigan

Verdict: Buy

WMU is better than their 5-5 record would indicate. They lost to Michigan in a rain-out, lost to Illinois by three and had to play Toledo and NIU, their division rivals, on the road.

In reality they own the nation's eighth best passing offense. They'll return QB Alex Carder, the entire backfield and most of the offensive line, but they'll lose their top three receivers. That includes Jordan White who will be playing on Sunday.

Their defense figures to return a majority of starters as well. With so much talent coming back, I fully expect WMU to be competing for a MAC title again next year.

Wisconsin

Verdict: Buy

I fully expect Wisconsin to win their final two games against Illinois and Penn State, and then go on and defeat the Legends division representative in the Big Ten title game. This would give the Badgers back-to-back Rose Bowl berths.

Believe it or not, even without Wilson, the Badgers could be better next year.

They are going to return a majority of their stellar offensive line. They're going to return Ball and White.

They will return a majority of their defensive weapons, starting with LB Chris Borland. They have the potential to return six of their starting front seven.

Don't expect the Badgers to go anywhere.

WKU

Verdict: Hold

WKU has had great success in the Sun Belt this year. They're 5-5 overall, and 5-1 in the Sun Belt! Their non-conference losses? Kentucky, Navy, Indiana State and LSU (that Sycamore loss hurts).

They were considered one of the worst teams in the nation coming into the season. Instead they're 500 and in second place in the conference. A couple more wins and they may find themselves in their first bowl ever (this is only their fifth season as an FBS team).

They're going to lose RB Bobby Rainey which is the star of the team. His 1,200 rushing yards aren't going to be replace easily.

That said, they will return a majority of their O-Line. Better yet, they're going to return their best defenders: Andrew Jackson, Quanterus Smith and Xavius Boyd.

This is an interesting team to watch. They've exceeded everyone's expectations this year. I wouldn't be surprised to see them take another step next year and make a bowl.

For now, however, we need to see how they handle success and how they rebound after losing their best player. This is all foreign territory for WKU. Let's see what happens.

Wyoming

Verdict: Buy

Wyoming was predicted to finish third to last in the MWC, ahead of only New Mexico and UNLV. Instead they're tied for second in the conference and are 6-3 overall. They'll be going to just their third bowl game since 1993.

And guess what? They've done it all with a freshman quarterback. Brett Smith has thrown for 2,000-plus yards and has a 14-5 TD-Int ratio. That's outstanding for a freshman.

Throw in the fact that they're going to return their entire backfield, four of their top receivers, most of their offensive line and you can see that there is a lot to be excited about in Laramie.

With TCU leaving, Air Force in a partial slide and SDSU losing a key player like Hillman, next year would be a great opportunity for Wyoming to go out and finish in a strong second place in the MWC.

They've gotten better every single game this year. They've beaten SDSU and Air Force. I expect them to get better in the off-season under coach Todd Christensen. This team is one that's on the rise.