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What do you think would happen if most people spent as much time planning their retirement and investments each year as they spend watching football? I suspect we would all have a lot more money, be better prepared for retirement, and maybe even be able to afford tickets to the Super Bowl every year.

Steve Roberts, with nearly twenty years of experience in the financial industry, knows that most people – including himself – would rather play or watch football than the stock market. After all, Steve himself was a three – sport letterman in high school, lettering in football, basketball, and baseball. He was a member of Ricks Junior College football team, and today he coaches youth football. But that doesn’t mean he doesn’t value financial planning and realize its importance. What it does mean is he had the brilliant idea to write a book about financial planning using football metaphors to make the topic not only more interesting but easier to understand for his many readers.

Steve breaks down his new book, «Football Financial Planning,» into three sections: Defense; Offense; and Coaches, Special Teams, and Systems. Then in each section, he discusses a valuable asset for your retirement or investing portfolio, and he compares that investment to a player in football. For example, he compares auto insurance to a defensive tackle and universal life insurance to an outside linebacker – these are players on your defense because you need them to protect your assets. Players on your offense include the center (your checking account), a right tackle (fixed annuity), and a tight end (bonds). Steve realizes that you may not always need every player on your team, but he walks you through the benefits as well as disadvantages of each player so you can decide whom you do want on your team and how you can use those players to create the best possible game plan for yourself.

I’ve read several financial planning books in the past, and they all are helpful in various ways. What makes Football Financial Planning stand out is not only that the football metaphor is fun, but that the way Steve breaks down the team makes each player or financial tool very easy to understand; because each player/investment product is a chapter by itself, the book is also accessible for referring back to and finding specific items later.

Steve makes the discussion easy to follow, and he really made me think about the different financial options out there and why certain ones would be great assets to have on my team while others would not. In the end, he reminds us that each of us is the team owner and even the quarterback of our own team, so we have to make the decisions on the plays.

As an added bonus, Steve provides play charts for avid football fans so they can see how their financial offense or defense adds up. At the end of each chapter, he also provides a short chart or worksheet for the reader to fill out, asking questions about things such as insurance deductibles, projected cash value, or income so people can write all their information down and keep it in one easy to find and remember location, as well as evaluate the different possibilities that exist for their financial game plan.

In the end, Steve’s entire system boils down to determining what system or philosophy works best for you because no one team will work for everyone. Steve highlights this point with the following story:

«To win a game (score big in your investments), it is very important to have a system (philosophy) that matches your quarterback’s abilities and talents. One university that has produced many great college quarterbacks is Brigham Young University (BYU); however, not all of BYU’s great quarterbacks have had success in the NFL. I once heard BYU’s former coach, Lavell Edwards, say that he believes Marc Wilson, one of his great quarterbacks, would have been more successful in the NFL if he had played in a different system. The point here is you need to make sure the system and philosophy your coaches implement matches your needs and abilities. There are systems out there that others are pushing and selling that work for most people, and they may work for you, but they may not be the best fit for you. Some examples of systems that people may be pushing are to buy an outside linebacker term life insurance and invest the rest in mutual fund running backs. This person’s system may also include telling you never to buy a variable annuity. Every person’s situation is different, so everyone else’s team may look a little different than yours; the important thing is to find the system and coaches that work for you.»

Whether you love football or you just want to get clear about your financial situation and be prepared to score a touchdown to win the game when it’s time to retire, Football Financial Planning can give you the tools you need now to create the investing system that works for you. Then, when the game is over, you will have a great nest egg to last you for the rest of your life.

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American and Canadian football both descended from rugby and began in Canada as a game played between British soldiers garrisoned in Montreal. The soldiers played a series of games against students at McGill University. McGill played several games against Harvard in 1874 and a tradition was born. Despite their mutual origins, the Canadian and the American game developed differently and now have substantially different rules and regulations.

The biggest difference between Canadian and American football is the size of the playing field. In Canada, football fields are 110 yards long and 65 yards wide. In America football fields are 100 yards long and 53 and 1/3 yards wide. The goal posts in Canadian football are placed at the front, rather than the back of the end zone which is also deeper in Canadian football than American.

Canadian football teams have twelve players as opposed to the eleven on American teams. Because the same number of players is required at the line of scrimmage in both games, this results in an extra backfield player on Canadian teams. This means that the typical Canadian offensive setup has two slot backs instead of a tight end and on defense, two defensive halfbacks and one safety instead of two safeties as is typical in the American game.

Another difference between the two games is the number of downs. Instead of four as in the American game, Canadian football has three. This results in a more pass and kick oriented game since there are fewer downs available for short-yardage running plays. The kicking rules are also slightly different with the kicker being able to recover and advance his own kick. For this reason, kicking is a much more integral part of Canadian football than American.

The biggest difference between the kicking rules in the two games is that there is no fair catch rule in Canadian football. In American football, if a kick returner thinks he will not be able to advance the ball after recovery, he can signal for a fair catch and be immune from contact. In Canadian football no player on the kicking team except the kicker and any players behind him on the field may ever be within 5 yards of the ball unless it has been touched by an opponent. Also, in Canadian football any kick that goes into the end zone is a live ball, except for successful field goals.

There are other minor differences as well including scoring, motion and time rules but they are not as significant as the major differences noted here.

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Let’s talk about pre-game communication with coaches and school personnel. Some people think we just walk on the field and officiate the game, right? Wrong!! Today I will talk about the pregame routine and all the details we address as a high school football crew.

As a rule, we like to be on the field at least 35 minutes prior to kickoff time. During this time members of the crew should meet with each team’s head coach and follow these rules of communication:

The High School Football white hat (Referee):

* Does most of the talking

* He is your ‘General’ – please allow him to maintain that level of respect and professionalism

* He will introduce the crew members

* Everyone shakes hands, showing the head coach respect

* The referee asks the head coach if all players are legally equipped – do all players have the proper playing equipment?

* Do any players have any casts that may require a doctor’s approved note to play?

* Do any players have any wraps or braces that need to be examined for metal or sharp edges and for proper padding (safety concerns)?

* If there are any casts, wraps or braces the referee instructs the umpire to review them for proper padding

* Does the team run any special formations or trick plays so that the crew knows ahead of time to watch for them?

* Does the team’s quarterback throw left or right handed (so that the referee knows which side to be on for the quarterback’s protection)?

* Is the team’s field goal kicker left or right footed (so that the crew knows their positions on field goals or extra points)?

* The referee states any special points of emphasis this year – sideline clearance in the players box, horse collar, etc.

* Does the home team have any special activities prior to the game or during half time that may take additional time?

* The referee will give the coach a card with the crew’s names and positions

* The referee will ask the coach who is the ‘get back’ coach – this is the coach who helps the side line official control the team box

* The referee will ask the coach to identify the game ball person

* The referee will then ask the coach if he has any questions for the crew

The High School Football Umpire:

* Assists the referee when meeting with coaches

* Allows the referee to do most of the talking

* Reviews any documentation, i.e., doctor’s notes for any players with cast or wraps

* Reviews padding for casts, wraps or braces to assess the proper protection for player safety

The High School Football Linesman

* Checks the «line to gain» equipment for several things

* Checks that the chains actually measure 10 yards (or 15 yards for 6 man) ( don’t laugh, at times the chains are too short!)

* The linesman communicates with the chain crew:

• He explains what they should do and should not do
• He tells them to never move unless the referee or linesman are signaling to move to the next ball spot
• He tells the down box person to move to his spotting foot each down
• He tells the down box person to manage the chain clip (for measurements) each first down
• He tells the down box person where to place the chain clip
• He tells the entire chain crew to never move the chains or down box if they see a penalty marker
• He tells the entire chain crew to drop the chains (another reason for the clip) if play comes their way

* Do the chains have a piece of tape directly in the middle at the 5 yard mark?

* Now why would you ever need a silly piece of tape in the middle of the chains?

• It helps the linesman and referee determine whether the penalty will result in a first down
• The tape makes it easy to know if a 5 yard penalty or penalty inside the 10 (half the distance) will give you a possible first down
• As the referee you don’t have to guess, you can view the tape and know if a 5 yard penalty gives you a first down
• We make a point to replace that tape every game

The High School Football Line Judge:

* Secures and reviews the game balls

* Communicates to the ball person to always stay near the line judge and linesman for quick ball rotation when a ball is needed

* Communicates with the ball person to always retrieve the game balls when they go out of bounds during plays

* Communicates with the ball person to place a ball behind the goal posts prior to an extra point so that the ball is ready for the crew

* Reviews the starting time

The High School Football Back Judge:

* Is responsible for the game timing

* Is responsible for the 25 second clock – timing when the «ready for play» is signaled

* Is responsible for the 45/15 second clock for time outs and between scores

* Is responsible for:

• meeting with the clock operator
• communicating the signals to the clock operator
• communicating the overtime procedure with the clock operator
• communicating to turn off any horns at the end of the period timing
• communicating with the clock operator to look for him to start the half time clock

As a crew, you need to be sure that everyone knows their pre-game responsibility. This will help you maintain credibility with the coaches and school officials which will lead to a much smoother game for everyone.

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The roles of match commissioners in modern-day football cannot be compromised considering their importance to the success of a game. Beginning from their appointment down to their individual character, care must be taken to ensure that the right persons are appointed to commission a match.

As part of their attributes, they must have sound knowledge of the laws of the game and the rules governing any competition. The ability to take prompt and accurate decision and maintain a sound comportment is the hallmarks of a good match commissioner. He/she must also be courageous and bold especially when a game is getting out of hand.

five specific roles

• carry out joint inspection of the field of play prior to the start of a game

The state of a football pitch is very important in a game of football. A field that is water-logged or unmarked may not be suitable for a standard game of football. The pitch must also have perimeter fencing to avoid encroachment.

• ensure that there is adequate security arrangement pt in place by the host team

Security is one of the most important aspects of the game of football as violence can erupt in the course of play. The presence of mobile and regular policemen cannot therefore be compromised. The match commissioner has a duty to insist that the match be discontinued if there is no adequate security for the match officials.

• presides over the meeting of referees and officials of both teams prior to the start of a game

A meeting of all stakeholders is usually held in the morning prior to be kick-off of the match. Some issues usually discussed include security, medical, colors of jersey to be used by both teams and general admonition by the match officials on the need to observe the spirit of fair play before, during and after the game. This meeting is usually chaired by the match commissioner.

• ensure that unauthorized persons or objects do not enter the field or stadium

It is the duty of the match commissioner to ensure that the match venue is free of unauthorized persons and objects in the course of the game. He watches the match in a good position and observes the performance of the referee and his assistants.

• submit a detailed report

He submits a detailed report of the match to the appropriate football authority within 48 hours after the match. The report will include virtually everything that occurred before, during and after the match. In conclusion he must ensure that match officials are given their entitlement by the organizers in accordance to the provisions and regulations of the game.

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James «JT» Thomas, former linebacker of the West Virginia Mountaineers, will be inducted into the Minor League Football News Hall of Fame on Thursday, December 6, 2007 at the Oasis Resort Hotel & Casino in Mesquite, Nevada.

Thomas’ nomination was reviewed by the MLFN’s Board of Directors, and he received notification of his acceptance on July 30.

«It is truly an honor to be receiving this award,» said Thomas. «I owe a big thank you to everyone for supporting me through the years.»

Thomas has used strong leadership skills, tireless work ethic, and passion for the game to become a driving force in the development and promotion of minor league and semi-professional football across the Midwest.

The story of JT Thomas’ football career can be broken into three distinct chapters: player, coach, and executive. Thomas’ collegiate career started at Fort Scott Community College (Kansas) in 1992. Following his sophomore season, Thomas transferred to West Virginia University (WVU).

In two seasons at Fort Scott – both as team captain – Thomas earned two All-Kansas Jayhawk Conference honors at outside linebacker and Defensive Player of the Game in 1992’s Valley of the Sun Bowl. At inside linebacker for WVU, Thomas received two Mountaineer Club Awards for on-field excellence, earned two All-Big East team honors, and won Defensive Player of the Game in the 1994 CarQuest Bowl. He also led both teams in tackles each season.

A successful college career led Thomas to the semi-pro football circuit in 1996 with the Charleston Rockets, where he was able to play with former WVU great Major Harris. Returning to outside linebacker, Thomas led the team in tackles and became a league All-Star as the Rockets finished their 11-game regular season 10-1. Thomas attempted to carry his success from semi-pro ball to the Arena Football League in 1997 with the Albany Firebirds, but sustained a career ending leg injury on the third day of training camp.

Instead of a helmet and pads, the next step of Thomas’ football career featured a headset and clipboard. After a stint as Defensive Coordinator for a championship team of 13-16 year olds, Thomas returned to semi-pro football in 2000 as Head Coach of the West Virginia WHAM! Located in Morgantown, WV, Thomas compiled a .695 winning percentage (41 wins, 18 losses), won three Coach of the Year awards, and coached three league All-Star games in six seasons as WHAM! head coach.

In 2001, Thomas also led the WHAM! to the Mid-Ohio Football League (MOFL) Championship.

During the 2003 season, Thomas took over full ownership of the WHAM! When he stepped off the WHAM! sideline in 2005, he decided to shift his focus full-time towards developing the success of semi-professional football and the WHAM! franchise. In the two years since he has stopped coaching, Thomas has held executive positions within the Ohio Valley Football League and the MOFL. In January of 2007, Thomas was promoted to MOFL Commissioner.

Currently, Thomas oversees the day-to-day operations of the MOFL – an expanding, 10-team semi-pro league across Ohio, Michigan, and Kentucky. His love for semi-professional football is matched only by his desire to see the MOFL – and every minor league football organization – produce a football product that is competitive, organized, developed, and entertaining for the players in the game and the fans in the stands.

Thomas also serves as a Semi-Professional Sports Consultant with League Level, LLC, a company that provides marketing and promotional strategies for organizations with an emphasis in amateur and semi-professional athletics.

He currently resides in Morgantown, WV, with his wife Rochelle and two children, Jared, 3, and AJ, 10 months. Thomas also has son, JT Thomas III, from a previous relationship.

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Today I want to talk with Head Coach Bill Renner and his Spread Offense which he calls: 5-Wide Attack Spread Offense

Article 1 – For an offense, nothing is more frustrating than having a defense that Attacks you to the point that you are passive, defensive, and worried about not being able to get points or move the ball. They have succeeded in making your offense take on a defensive mind set of «just don’t lose the game» or «we will wait for a good opportunity».

Well, the 5 Wide Attack Offense’s mission is to never allow that mind set to become prevalent. In fact, the 5 Wide Attack Offense reverses that mind set and puts the defense in the passive, defensive mode and worries if they can stop it.

HOW does it do this? With formations that limit the defensive alignment so you can practice against exactly what you will see on game day. With a no huddle system that makes the defense play at your tempo. With offense tempo changes that keep the defense from being able to lock in on your offense. With 5 receivers in every pass play and 4 receivers on every run play which disguises their pass run read of your offense.

Good defenses are programmed to react and not think. The 5 Wide Attack Offense does not allow them to ever get in a reacting state, it always keeps them thinking. Thinking defenses are slow defenses which become uncertain defenses who then become targets for your Attack offense. Once you have them confused, doubt creeps in and then the points roll up on the scoreboard.

Instilling the element of doubt in a defense is your chief weapon against an aggressive defense. Never be without the tools to create this doubt so you can score as many points as necessary to win. The 5 Wide Attack Offense will give you those tools!

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Some football cleats are designed for speed! You may argue that you can’t go wrong with a pair of good sturdy football cleats for in any sort of action on a football pitch, but there is so much research in materials while making shoes that it is becoming quite popular to recommend certain types and brands of shoes for certain roles in the field and speed is one requirement for quite a few player positions on a football field.

What are the some of the characteristics of football cleats designed for speed?

· They are low-cut cleats. They do not offer ankle protection, but facilitate better cutting, movement and speed. The mid cut cleats offer some amount of ankle protection, but also allow for speed running and are used by running backs, quarterbacks, etc. It is up to the player which one he feels comfortable in.

· They are lighter. Uppers are in a single layer, and the shoe is built to help players accelerate. The triangular studs at the front of the shoe give more traction while accelerating. Minimum materials are used to maintain the lightness.

· There are filaments which are placed strategically across the topside of the foot, like a suspension bridge, which offer greater support to the foot. Such features are patented technologies of manufacturers. It gives a tight fit, but flexible because it takes on the natural shape of the foot.

· The material for uppers is also an advanced polyester yarn whose weave allows a single, seamless upper that gives greater tenacity. Combined with an injected outsole, this offers speed with lightweight comfort.

· There are insert foams which are shaped exactly like a wearer’s foot, giving a more comfortable fit. This is also a proprietary feature, like the molded tongues which add to the comfort fit in the said models.

Which positions should wear these sorts of cleats and why?

· Quarterbacks moving out of their traditional roles of making accurate passes are having to play the ball more. They need speed and agility, so these cleats are good for them.

· Running Back – where you must get out onto the field and outrun your opponent. They come in handy here as well

· Defensive Back – needs speed and traction

· Tight ends are players who can switch their roles between wide receiver and offensive lineman. Instant speed is required when the catch a pass.

What should a player do before a big game in preparation for it?

· Get a good eight hours of sleep the night before the game.

· Do not have a heavy meal at least a couple of hours before the game

· Mentally get into the week’s game a few days before, stay positive and talk to the coaching staff about strategies along with your teammates.

· On the day of the game, reach at least three hours before. Many players recommend reading the game-day program in detail to calm the mind! Get taped up per your needs with your favorite staff member, after any pregame massages or treatment you may need. Acupuncture works wonders at this last minute of preparation, for nagging pains and aches.

· Jogging round the field and making small cuts to test the cleats for traction and whether they are suited to the surface of the ground and soil conditions is a ritual most footballers can’t do without.

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For all of you «newbies» to football, when watching a game, you may be thinking that just about anything goes. This is football, after all. However true, there are rules that need to be followed and when an offending player commits an infraction, his team must be penalized.

In the NFL, when a player commits a penalty, the Referee announces the penalty to the whole world. He will announce what the penalty is, and who it is on. For example, he will say something like, «Holding, number 74, Offense». This tells everyone that number 74 on the Offense committed a holding penalty. In the NFL, you can run, but you can’t hide. When a player commits a penalty, the Referee (or one of the other Officials that spotted the infraction) tosses a yellow «FLAG» (which is really a weighted down hanky) into the air. So, anytime you are watching a game on TV and you see or hear the word «FLAG», you will know that a player committed a penalty. While there are a number of different penalties that players can commit, I am only going to mention the most common ones. Here they are:

– False start – this occurs when a player on Offense (usually an Offensive Lineman) moves or flinches before the ball is snapped. This is usually a pretty easy penalty to spot. It usually occurs because a player is trying to get a jump on his opponent before the play starts and inadvertently moves before the snap. False start costs the Offense five yards.

– Holding – this occurs when a player grabs hold of his opponent in an illegal manner. While it may appear that holding occurs on just about every play, the Officials must pick and choose their battles. Usually, unless it is pretty obvious, the Officials will let this go. Holding costs a team ten yards if it is on Offense, and five yards and an automatic first down if on the Defense.

– Offsides – usually occurs on the Defense, but an Offensive player may be Offsides as well. Offsides occurs when a player (other than the Center) has any part of his body in or beyond the neutral zone when the ball is snapped. The neutral zone is the area between the lines of scrimmage (or, the length of the ball when it is on the ground at the start of a play). Offsides costs a team five yards.

– Encroachment – this penalty is similar to Offsides in that a player enters the neutral zone before the snap, but on this penalty, he makes contact with an opposing player. The penalty on this is five yards.

So, when watching the game, look for these common penalties. Pretty soon, you’ll be calling them before the Officials.

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Daily/Weekly fantasy football leagues get the most press nowadays but they are still FAR in the minority of desired games that fantasy football participants like playing. Long before then, the majority of people playing fantasy football will be registering their season-long private fantasy football leagues and joining their season-long public fantasy football leagues.

For those wanting to take advantage of unique fantasy football features but don’t have enough people for a private Commissioner League or prefer to play for higher stakes, there are numerous public fantasy football leagues that utilize these options. 2015 public fantasy football leagues are listed below and come in a range of entry fees/payouts.

• Traditional leagues (available in Live Draft and Autodraft) – 10-team head-to-head league featuring the most widely-accepted positions and scoring system: 1 QB, 2 RBs, 3 WR/TE, 1 TE, 1 D, 1 K.
• PPR leagues – 10-team Live Draft head-to-head league resembles the Traditional league but an additional starting RB/WR swing position is added and the scoring system awards a point per reception and RB/WR TDs drop to 4 points each with bonuses awarded (extra 1 or 2 points) for longer TDs.
• TD Only leagues – 10-team Live Draft head-to-head is a big departure from Traditional fantasy leagues and harken back to the days of scoring on paper when the Commissioner made life easy on himself and only needed to score points for Touchdowns. TD scoring only is what you will find here so you won’t have to worry about drafting any idiot kickers. TD points vary with the distant of the touchdown.
• League Average leagues – 10-team Live Draft head-to-head league resembles the Traditional league but an additional starting RB/WR swing position is added and the scoring system matches the standard except for ranges for the kicking and defensive statistics. The twist in this league is you will receive 2 decisions per week; one versus your H2H opponent and one versus the League Average (average score of the starting lineups for that week). This league type awards higher-scoring teams more than standard H2H.
• Bye Week Rollover leagues – 10-team Live Draft head-to-head league resembles the Traditional league but an additional starting RB/WR swing position is added and the scoring system matches the standard except for ranges for the kicking and defensive statistics. The twist in this league is you will be able to choose players the week before they are on Bye and determine if you want their points for that week to also carry-over to their Bye week, thus locking in two weeks (good or bad).
• In-game change leagues – 10-team Live Draft head-to-head league resembles the Traditional league but an additional starting RB/WR swing position is added and the scoring system matches the standard except for ranges for the kicking and defensive statistics. The twist in this league is you will be able to change players at the half. This helps if you have a player that is hurt or underperforming. Of course, the first half is locked in already and you will only be able to replace the second half with another player’s half that is currently open (either first or second half).
• Total Point leagues – 10-team Live Draft Total Point league resembles the Traditional league but an additional starting RB/WR swing position is added and the scoring system matches the standard except for ranges for the kicking and defensive statistics. The twist in this league is that the standings are based off of the total points accumulated over the course of the season by your starting lineup. This league truly awards the highest scoring team. This league runs a full 17-week season and has no playoffs.

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George Steinbrenner is famously known the world over as the owner of the New York Yankees but very few people realize that in the 1950s George Steinbrenner actually served as an assistant coach under legendary Buckeye icon Woody Hayes at Ohio State University (OSU for short). In fact, George was even part of the 1954 Ohio State national championship team that went undefeated.

The New York Yankees organization that Steinbrenner has owned for decades has been valued by Forbes magazine as a $1.5 billion organization which makes it one of the five most valuable sports teams in the world across all sports. Before making his fortune in the family shipping business he lived a somewhat pedestrian life that included college, a stint in the Air Force, marriage, and a brief spell as an assistant football coach at Ohio State. In some regards George Steinbrenner has had an almost Forest Gump type life that has involved playing on his college football team, joining the armed forces, falling in love, making a fortune, numerous chance encounters with historically iconic figures, and a variety of unique business ventures.

Born in Rocky River, Ohio on the northern edge of the state the area that is now an affluent suburb of Cleveland is the area where George grew up before attending a military school in northern Indiana. After graduating from Williams College in Massachusetts in 1952 and spending a couple of years in the Air Force based in Columbus, Ohio at Lockbourne Air Force Base the Ohio native decided to stay in the area following his honorable discharge in 1954. Over the next two years Steinbrenner earned a master’s degree in physical education from nearby Ohio State University.

While doing graduate work at Ohio State George Steinbrenner signed on to help the football team as a graduate assistant where he happened to coach under legendary college football coach Woody Hayes. During the one season that George was with the Buckeyes the team went undefeated with a perfect 10-0 record that included a 20-7 Rose Bowl victory over the University of Southern California (USC) on January 1, 1955.

By capping off a perfect season with a sound Rose Bowl victory Woody Hayes, George Steinbrenner, and the rest of the Ohio State Buckeyes edged out number two ranked UCLA to capture the second football national championship for the Buckeyes ever. In addition to the seven World Series victories (1977, 1978, 1996, 1998, 1999, 2000, 2009) that George Steinbrenner has been a part of as an owner of the New York Yankees since January 3, 1973 the man who was born back on July 4, 1930 can also claim a college football national championship from the 1954 season with iconic College Football Hall of Fame coach Woody Hayes.

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