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Score a Touchdown and Win the Game With New Football Finance Book

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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HACEMOS la CONVOCATORIA de la SELECCIÓN ARGENTINA para el MUNDIAL



En el vídeo de hoy, Arnau y Marcel nos traen la posible convocatoria de la selección Argentina para el Mundial 2022.
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Differences Between Canadian and American Football

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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Messi y la Selección Argentina ?? en la gala del Balón de Oro

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High School Football Officiating – Pregame Communication With Coaches

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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SERGIO AGÜERO DOCUMENTARY | Made in Argentina Film



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A MUST-WATCH! The making of Sergio ‘Kun’ Agüero, told through the eyes of his Mum, Dad, childhood friends, Lionel Messi, Pablo Zabaleta, César Luis Menotti and more!

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The Role of the Match Commissioner in the Game of Football

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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FIFA 13 iPhone/iPad – Argentina vs. FC Barcelona


JOIN THE CLUB! EA SPORTS presents FIFA 13 for the iPhone, iPad and iPod touch that connects fans to the real world football and enables them to play the most popular sports franchise against friends and other fans from all over the world.

More realistic than ever, FIFA 13 comes with dramatically improved graphics and an improved control scheme, delivering all the authenticity and innovation that the FIFA franchise is known for.

For the first time ever, players are able to enjoy competing with friends anytime, anywhere using Online Multiplayer. Rise to the top of the Leaderboards taking superstars like Messi and Benzema on the pitch against your friends or other competitors in the FIFA online world.

EA SPORTS Football Club connects players to the real-world competitions, enabling you to support your favorite club as well as connect with friends, rivals and millions of other players around the world. Earn experience points and level up to build status. You can relive crucial real-world football events through regular challenges so that FIFA 13 will look, feel and play like the real-world season.

Featuring 30 leagues, more than 500 teams and more than 15,000 players, the ultimate football experience is now available on the App Store.

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JT Thomas Inducted Into Minor League Football News Hall of Fame

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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