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Fantasy football, real fundraising

WASHINGTON — Fantasy football has become a rite of fall for millions of Americans. As the hobby has grown, it has spawned a multibillion dollar industry and even a successful television show rooted in the obsessive nature that such leagues can create.

The average fantasy football player spends three hours per week managing his roster, but invests a stunning nine additional hours per week either reading or watching something about fantasy sports, according to the Fantasy Sports Trade Association. With an estimated 33 million fantasy sports participants in the U.S., that’s nearly 400 million hours per week spent on what amounts to an imaginary sport.

Some might call that time wasted on something meaningless. And that’s exactly where Meaningful Wins hopes it has found a way to channel all that energy and attention into something productive.

When one thinks about titans of fantasy football, a Major League Baseball executive might not be the first person to come to mind. But Texas Rangers assistant general manager Thad Levine and his business partner and college buddy John Ellis are leading the charge in trying to channel some of the $2.1 billion spent on fantasy football each year into helping worthy causes.

“I’ve been in a league with my college friends ever since we graduated,” says Levine. “Last year, we posed a question to the league: How about instead of personal gain this year, we pick a nonprofit? Everyone was open to it. If anything, it enhanced our experience.”

Now, he’s bringing his idea to the public.

The system is simple: Anyone using an NFL, CBS, Yahoo!, RT or ESPN fantasy platform can sign up and choose how much they want to donate. Each player in the league can pick a beneficiary from 10 featured charities. Win the league, and your chosen nonprofit benefits. If you lose, you’re still donating to a good cause (instead of to your idiot buddy who just got lucky with that waiver-wire claim) and receiving a tax write-off.

It might seem unlikely that people would be willing to part with a portion of their winnings, but Levine points to his group’s research.

“We did some focus groups to try to determine the reason people played,” he says. “It was some combination of staying in touch with old friends, bragging rights, the ability to make trades, and then making money.”

Levine, an Alexandria, Virginia, native and graduate of T.C. Williams High School, didn’t need to go far to look for inspiration for his efforts.

“You turn the calendar to the middle of August, and our players become rabid fantasy football fans,” he says of the Rangers clubhouse. “They all show up wearing the jerseys of their favorite player.”

That passion even extends to baseball: One day in early September 2013, Jayson Werth walked around the Nationals clubhouse, going about his pregame routine. As many of the players do before hitting the field, he wore non-Nationals gear, sporting a sparkling-new New York Giants T-shirt.

Werth, an Illinois native, is not a Giants fan. The only reason for his selection of this particular shirt was to rib coach Trent Jewett, a native of Dallas and a huge Cowboys supporter. Werth, it turns out, had bought a shirt for every opponent the Cowboys faced for the rest of the baseball season.

Adams

Mike Adams (AP)

Former Rangers pitcher Mike Adams is one of the many athletes helping Meaningful Wins get up and running. (AP Photo/Matt Slocum)

Just like the Rangers, and every other team around professional baseball, the Nationals have their own fantasy league. When then-rookie Ian Krol ended up with the first overall pick last season, he was picked on relentlessly.

That good-natured mockery seems pervasive, as Levine describes his interactions with former Rangers reliever and current Philadelphia Phillie Mike Adams.

“You can always trade Mike some third-string wide receiver in exchange for a star, just because he wants all the Cowboys on his team,” jokes Levine.

It’s a sentiment many fantasy players can relate to. But more importantly, that’s the same Mike Adams who encouraged Levine to add Operation Smile to his list of charitable partners. Ever since Adams’ son was born with a cleft lip, he has become one of the organization’s most public supporters, going so far as to help a family he met at the mall pay for a procedure for their son.

While they are rabid fantasy football fans, major league baseball players also have the means to help lift such an effort financially, one that Levine has seen first-hand. That makes them perfect spokesmen for this effort.

“Our players alone give back close to $675,000 to nonprofits each year,” he says.

That’s how most of the 10 featured partners have been chosen — through personal connections of the athletes helping to promote the program. There’s Hall of Famer Greg Maddux’s Candlelighters, the Childhood Cancer Foundation of Nevada, where Maddux calls home. Or former major leaguer and current MLB Network host Kevin Millar’s Children’s Miracle Network, supporting 170 children’s hospitals across the country. There are now close to 120 athletes supporting the product by using it and spreading the word.

“Our criteria was that we only partnered with five-star nonprofits — those that have fulfilled their mission statements to the best of their ability,” says Levine.

Levine hopes to expand to include March Madness in the spring, and perhaps other sports if the idea catches on. For now, there’s still time to register at meaningfulwins.com before the season starts and make sure your fantasy league makes an actual difference in people’s lives.

Follow @WTOP and @WTOPSports on Twitter and WTOP on Facebook.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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